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To become a top mortgage company, finance and its management are not the only things required. Hist

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

ory indicates that innovation is the prime driving force in leading a mortgage company to the top.

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

A case in point is Citigroup, considered by many pundits to be the leading mortgage company worldw

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

de today. Citigroup developed its roots in America – it has been functioning since 1970 – but has s

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

pread throughout the world in the last decade. It operates in 54 countries outside the US today, ma

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

king most of its revenue from virgin territories; i.e. countries that have never considered mortgag

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

s as financial options before. Currently it has assets of $1.3 trillion, and its revenue last year

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

was $108 billion. Citigroup leads the Forbes list of 2005 mortgage companies.

The Bank of America,

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

one of the oldest banks in the US and currently the third-largest bank in the country, is another

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

uge mortgage loan provider. It has today assets of $74 billion. Apart from mortgage loans, it also

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

leads the country in providing loans to small businesses and in lending credit cards (especially af

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

ter its merger with MBNC). Bank of America ranks second on the Forbes list of 2005 among mortgage c

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

mpanies.

Wells Fargo, the third in the current Forbes list of top mortgage companies, has about 1,

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

000 home-mortgage branches all over the US and in some foreign countries. It mostly services sub-pr

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

ime mortgage customers. It had revenue of over $33 million in 2005, and a major chunk of the revenu

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

was through mortgage lending.

Wachovia is the fourth-largest mortgage bank in the US. Its assets

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

in the last financial year were over $28 million. Wachovia bank’s purchase of Western Financial ban

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

k will make it the ninth-largest auto mortgage provider in the US.

Other top mortgage companies th

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

t figure in the Forbes 500 list of 2005 are BB&T, Golden West Financial, Marshall and Ilsley, M&T,

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

AmSouth Bancorp, Popular, Synovus Financial, Zions Bancorp, Compass Bancshares and Commerce Bancorp

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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