BENCHMARKS REPORT

Industry Measure: Business Segment Data
| SIC: | 6099 |
| INDUSTRY: | FUNCTIONS REL TO DEP BKE, NE |
| BENCHMARKS FOR THE INDUSTRY |
| NO. OF SEGMENTS REPORTING IN THE INDUSTRY: 12 |
|
1997 SALES FOR THE INDUSTRY: $ 13639 (Total Sales in $Millions) |
|
OPERATING MARGIN: 14.5 (Allocated Operating Profits (divided by) Segment Sales) |
|
ASSET INTENSITY: 355.7 (Allocated Assets (divided by) Segment Sales) |
|
SALES GROWTH: 10.5 (Compound 3-Year Growth Rate in Sales for the Median Participant in the Industry) |
| BENCHMARKS FOR THE TOP FOUR COMPETITORS |
| ROA: Allocated Operating Profits (divided by) Allocated Operating Assets |
| Competitor/Rank by Sales |
Market Share (% Ind. Sales) |
ROA |
| #1: AMERICAN EXPRESS |
92.9 | 4.0 |
| #2: NATIONAL PROCESSING INC |
3.0 | 8.1 |
| #3: CONCORD EFS INC |
1.8 | 15.4 |
| #4: DELUXE CORP |
1.1 | -16.4 |
| Total of #1-4: | 98.7 | 4.1 |