BENCHMARKS REPORT

Industry Measure: Business Segment Data
| SIC: | 6141 |
| INDUSTRY: | PERSONAL CREDIT INSTITUTIONS (ISSUING) |
| BENCHMARKS FOR THE INDUSTRY |
| NO. OF SEGMENTS REPORTING IN THE INDUSTRY: 53 |
|
1997 SALES FOR THE INDUSTRY: $ 130472 (Total Sales in $Millions) |
|
OPERATING MARGIN: 15.6 (Allocated Operating Profits (divided by) Segment Sales) |
|
ASSET INTENSITY: 668.2 (Allocated Assets (divided by) Segment Sales) |
|
SALES GROWTH: 20.5 (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: GENERAL ELECTRIC CO |
23.9 | 1.8 |
| #2: GENERAL ELECTRIC CAP CORP |
10.2 | 0.5 |
| #3: GENERAL ELECTRIC CAP CORP |
10.2 | 0.5 |
| #4: GENERAL MOTORS CORP |
9.6 | 1.2 |
| Total of #1-4: | 53.9 | 2.3 |