BENCHMARKS REPORT

Industry Measure: Business Segment Data
| SIC: | 6153 |
| INDUSTRY: | SHORT-TERM BUS CREDIT, EX AG |
| BENCHMARKS FOR THE INDUSTRY |
| NO. OF SEGMENTS REPORTING IN THE INDUSTRY: 37 |
|
1997 SALES FOR THE INDUSTRY: $ 18512 (Total Sales in $Millions) |
|
OPERATING MARGIN: 37.7 (Allocated Operating Profits (divided by) Segment Sales) |
|
ASSET INTENSITY: 974.5 (Allocated Assets (divided by) Segment Sales) |
|
SALES GROWTH: 16.7 (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: TOYOTA MOTOR CORP -ADR |
20.8 | 1.0 |
| #2: AMERICAN EXPRESS CREDIT CORP |
11.1 | 6.3 |
| #3: ASSOC FST CAPITAL CP -CL A |
10.5 | 2.3 |
| #4: ASSOCIATES CP-N AM |
9.8 | 3.0 |
| Total of #1-4: | 52.3 | 3.9 |