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The Premium Report on Credit Card Issuing contains information used by Marketing Departments in many of the Fortune 1,000 companies and beyond. The report helps identify industry changes, trends, key players, and growth opportunities.

Contents:
Current State of the Industry
Market Size
Market Forecast
Products and Services Breakdown
Financial Statements - Income Statement
Salary & Compensation Statistics
Key Companies
Public Company News
Largest Government Vendors

Current State of the Credit Card Issuing Industry

This section provides answers to five fundamental and commonly-asked questions about the industry:

1. What is the total market size ($ millions)?
2. How much has the market grown or declined?
3. Are long term forecasts positive or negative?
4. How large is the average company?
5. How many companies are in the industry?

Market Size - Credit Card Issuing

The total U.S. market size for the Credit Card Issuing industry includes all companies, both public and private. In addition to total revenue, the table contains details on employees, companies, and average firm size.

Metrics	2004        2005        2006        2007        2008        2009
Market Size (Total Industry Sales)		Available Included with Instant Access Order at top of page
Total Firms
Total Locations (Headquarters and Branches)
Total Employees
Average Revenue Per Firm
Average Employees Per Firm

Source: Analysis of US Census data, updated June 8 2010

Charts and graphs can be copied to Microsoft Word and Powerpoint presentations.

Market Forecast - Credit Card Issuing

Market forecasts show the long term outlook for the Credit Card Issuing industry. The following five-year forecast utilizes advanced econometric techniques that take into account both short-term and long-term industry trends.

Forecast	2009	2010	2011	2012	2013	2014
Revenue ($ billion)	AVAILABLE

Source: AnythingResearch.com Economic Analysis

Product & Services Breakdown

The following products and services account for the largest source of revenues in the Credit Card Issuing industry. Note that there are multiple levels of classification, so some line items are contained within other lines.

Product Description	Number of Companies	Sales ($ millions)	Percent of Total Sales
Industry Total	AVAILABLE
Credit Card Products - Income	AVAILABLE
Credit Card Cardholder Products - Business And Government	AVAILABLE
Credit Card Cardholder Products - Consumer	AVAILABLE
Credit Card Merchant Products	AVAILABLE
Credit Card Association Products	AVAILABLE
Other Products Supporting Financial Services - Fees	AVAILABLE

Income Statement (Average Financial Metrics) - Credit Card Issuing

Financial metrics provide a snapshot view of an "average" company in the Credit Card Issuing industry. Key business metrics show revenue and operating costs. The data collected is industry-wide, covering both public and private companies in the industry.

	Industry Average	Percent of Sales
Total Revenue	AVAILABLE Included in Report Order at top of page
Operating Revenue
Cost of Goods Sold
Gross Profit
Operating Expenses
Pension, profit sharing plans, stock, annuity
Repairs
Rent paid on business property
Charitable Contributions
Depletion
Domestic production activities deduction
Advertising
Compensation of officers
Salaries and wages
Employee benefit programs
Taxes and Licenses
Bad Debts
Depreciation
Amortization
Other Operating Expenses
Total Operating Expenses
Operating Income
Non-Operating Income
EBIT (Earnings Before Interest and Taxes)
Interest Expense
Earnings Before Taxes
Income Tax
Net Profit

Source: Analysis of U.S. federal statistics

Financial Ratio Analysis - Credit Card Issuing

Financial ratios can be used to compare how a company in the Credit Card Issuing industry is performing relative to its peers. Financial ratios are calculated from the industry-average for income statements and balance sheets.

Liquidity Ratios - Credit Card Issuing Industry	Industry Average
Liquidity Ratios measure how liquid a business is. Bankers and suppliers may use these to determine creditworthiness and identify potential threats to a company's financial viability.
Current Ratio Measures a firm's ability to pay its debts over the next 12 months.	Included
Quick Ratio (Acid Test) Calculates liquid assets relative to liabilities, excluding inventories.	Included

Efficiency Ratios - Credit Card Issuing Industry	Industry Average
Efficiency Ratios measure how quickly products and services sell, and effectively collections policies are implemented.
Receivables Turnover Ratio If this number is low compared to the industry average, it may mean your payment terms are too lenient or that you are not doing a good enough job on collections.	Included
Average Collection Period Based on the Receivables Turnover Ratio, this estimates the collection period in days. Calculated as 365 divided by the Receivables Turnover Ratio	Included
Inventory Turnover Ratio A low turnover rate may point to overstocking, obsolescence, or deficiencies in the product line or marketing effort.	Included
Fixed-Asset Turnover Ratio Generally, a higher ratio is better, since it indicates the business has less money tied up in fixed assets for each dollar of sales revenue.	Included

Geographic Distribution

The concentration of employees by states indicates how the industry (companies and workforce) is distributed throughout the country.

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Move mouse over states to see employment numbers
Note: Round numbers are estimates. Precise numbers are actuals.

Source: US Census

Compensation & Salary Surveys for Employees Working in Credit Card Issuing

Compensation statistics provides an accurate assessment of jobs in the Credit Card Issuing industry and national salary averages. This information can be used to asses which positions are most common, and high, low, and average annual wages.

Title	Percent of Workforce	Bottom Quartile	Average (Median) Salary	Upper Quartile
Management occupations	8%	AVAILABLE Included in Report Order at top of page
Chief executives	0%
General and operations managers	2%
Business and financial operations occupations	27%
Loan officers	14%
Sales and related occupations	10%
Office and administrative support occupations	48%
Bill and account collectors	7%
Customer service representatives	10%
Loan interviewers and clerks	10%

Source: Bureau of Labor Statistics

Companies in Credit Card Issuing and Adjacent Industries

Company	Address	Key Contact
AVAILABLE	AVAILABLE	AVAILABLE

Public Credit Card Issuing Company News

Web scan for recent news about publicly traded companies in the Credit Card Issuing industry.

Government Contracts Related to Credit Card Issuing

In 2008, the federal government spent a total of $64,417 on Credit Card Issuing. It has awarded 7 contracts to 4 companies, with an average value of $16,104 per company.   

Top government vendors:

Company	Federal Contracts	Total Award Amount
AVAILABLE	AVAILABLE	AVAILABLE

The Industry Report on Credit Card Issuing contains the key pieces of information used by strategy and management consultants to identify market trends and accurately measure growth and industry performance.

Contents:
Current State of the Industry
Market Size
Financial Statements - Income Statement
Salary & Compensation Statistics
Key Companies
Public Company News

Current State of the Credit Card Issuing Industry

This section provides answers to five fundamental and commonly-asked questions about the industry:

1. What is the total market size ($ millions)?
2. How much has the market grown or declined?
3. Are long term forecasts positive or negative?
4. How large is the average company?
5. How many companies are in the industry?

Market Size - Credit Card Issuing

The total U.S. market size for the Credit Card Issuing industry includes all companies, both public and private. In addition to total revenue, the table contains details on employees, companies, and average firm size.

Metrics	2004        2005        2006        2007        2008        2009
Market Size (Total Industry Sales)		Available Included with Instant Access Order at top of page
Total Firms
Total Locations (Headquarters and Branches)
Total Employees
Average Revenue Per Firm
Average Employees Per Firm

Source: Analysis of US Census data, updated June 8 2010

Charts and graphs can be copied to Microsoft Word and Powerpoint presentations.

Income Statement (Average Financial Metrics) - Credit Card Issuing

Financial metrics provide a snapshot view of an "average" company in the Credit Card Issuing industry. Key business metrics show revenue and operating costs. The data collected is industry-wide, covering both public and private companies in the industry.

	Industry Average	Percent of Sales
Total Revenue	AVAILABLE Included in Report Order at top of page
Operating Revenue
Cost of Goods Sold
Gross Profit
Operating Expenses
Pension, profit sharing plans, stock, annuity
Repairs
Rent paid on business property
Charitable Contributions
Depletion
Domestic production activities deduction
Advertising
Compensation of officers
Salaries and wages
Employee benefit programs
Taxes and Licenses
Bad Debts
Depreciation
Amortization
Other Operating Expenses
Total Operating Expenses
Operating Income
Non-Operating Income
EBIT (Earnings Before Interest and Taxes)
Interest Expense
Earnings Before Taxes
Income Tax
Net Profit

Source: Analysis of U.S. federal statistics

Financial Ratio Analysis - Credit Card Issuing

Financial ratios can be used to compare how a company in the Credit Card Issuing industry is performing relative to its peers. Financial ratios are calculated from the industry-average for income statements and balance sheets.

Liquidity Ratios - Credit Card Issuing Industry	Industry Average
Liquidity Ratios measure how liquid a business is. Bankers and suppliers may use these to determine creditworthiness and identify potential threats to a company's financial viability.
Current Ratio Measures a firm's ability to pay its debts over the next 12 months.	Included
Quick Ratio (Acid Test) Calculates liquid assets relative to liabilities, excluding inventories.	Included

Efficiency Ratios - Credit Card Issuing Industry	Industry Average
Efficiency Ratios measure how quickly products and services sell, and effectively collections policies are implemented.
Receivables Turnover Ratio If this number is low compared to the industry average, it may mean your payment terms are too lenient or that you are not doing a good enough job on collections.	Included
Average Collection Period Based on the Receivables Turnover Ratio, this estimates the collection period in days. Calculated as 365 divided by the Receivables Turnover Ratio	Included
Inventory Turnover Ratio A low turnover rate may point to overstocking, obsolescence, or deficiencies in the product line or marketing effort.	Included
Fixed-Asset Turnover Ratio Generally, a higher ratio is better, since it indicates the business has less money tied up in fixed assets for each dollar of sales revenue.	Included

Compensation & Salary Surveys for Employees Working in Credit Card Issuing

Compensation statistics provides an accurate assessment of jobs in the Credit Card Issuing industry and national salary averages. This information can be used to asses which positions are most common, and high, low, and average annual wages.

Title	Percent of Workforce	Bottom Quartile	Average (Median) Salary	Upper Quartile
Management occupations	8%	AVAILABLE Included in Report Order at top of page
Chief executives	0%
General and operations managers	2%
Business and financial operations occupations	27%
Loan officers	14%
Sales and related occupations	10%
Office and administrative support occupations	48%
Bill and account collectors	7%
Customer service representatives	10%
Loan interviewers and clerks	10%

Source: Bureau of Labor Statistics

Companies in Credit Card Issuing and Adjacent Industries

Company	Address	Key Contact
AVAILABLE	AVAILABLE	AVAILABLE

Public Credit Card Issuing Company News

Web scan for recent news about publicly traded companies in the Credit Card Issuing industry.

• Durbin cedes ground on debit-card fee limits: U.S. Sen. Richard Durbin, faced with growing opposition and slipping support for his proposal to cap debit-card swipe fees, said he is working to exempt prepaid cards governments use to distribute benefits.
• Durbin Cedes Ground on Debit-Card Fee Limits as Support Erodes: U.S. Senator Richard Durbin, faced with growing opposition and slipping support for his proposal to cap debit-card swipe fees, said he is working to exempt prepaid cards governments use to distribute benefits.
• After Master Card, now Visa: Bank Of Bhutan 17 June, 2010 - Less than a week after the oldest bank, Bank of Bhutan became a member of MasterCard, it has now become a primary member of Visa. Visa like MasterCard provides financial institutions the right to issue Visa-branded credit and debit cards used to its customers.
• Jennifer Waters's Consumer Confidential: Debit-card fee debate could cost consumers: Most shoppers dont realize they are in the middle of a heated debate over the fees merchants pay to banks on debit-card transactions, but the outcome may bring steeper costs and fewer rewards for consumers.
• Area retailers seeking 'swipe fee' reform: SCRANTON - Area retail business leaders gathered Wednesday at the Steamtown Mall to address the need to bring credit card "swipe fees" under control.
• Police, Credit Union Warn of Phone Scam Resurfacing: Lakeview Credit Union says automated phone calls are telling people their credit or debit card has been compromised then asks them to type in the card number.
• BankAtlantic Converts Instant Issue Program to Unembossed Debit Cards Utilizing Dynamic Card Solutions Instant Issue ...: Dynamic Card Solutions (DCS), the leading provider of instant issuance and PIN selection solutions for banks, credit unions and retailers that issue magnetic stripe, EMV and contactless cards, today announced that BankAtlantic, one of the largest financial institutions headquartered in Florida, has upgraded their instant card issuance technology to offer unembossed debit cards at 99 of its ...
• Loyalty to 1st credit card: SINGAPORE consumers stay loyal to their first card issuer and charge the highest outstanding balance to it, Credit Bureau Singapore (CBS) has concluded in its first-ever study on credit card loyalty among consumers here. The highest proportion of consumers have their highest credit card balances with their first card issuing bank, it said.
• Credit card holders stay loyal to their first card issuer: CBS: SINGAPORE: Financial institutions that are earliest in issuing to customers a credit card can expect to gain a larger share of their wallet, according to a new study by Credit Bureau Singapore, CBS.
• Credit card base up after 18 months: The aggressive clean-up operation on banks credit card portfolios may finally be paying dividends, with issuers returning to the growth path. Data released by the Reserve Bank of India (RBI) showed that in April, the number of new cards issued was a million higher than the inactive and loss-making accounts culled. After falling for 18 straight months, the number of credit cards in circulation ...
• Credit card issuers try to find a balance: William Janklow's law office in Sioux Falls, S.D., is crowded with mementos from his 16 years as a Republican governor. On a low wooden bookcase, near bottles of hot sauce custom labeled for his annual Buffalo Roundup, he keeps a 4-foot length of red ribbon... Credit card - Republican Party - Hot sauce - Lawyer - Bill Janklow
• Credit card lenders adjust to recession, regulation: William Janklow is the politician who in 1981 brought Citibank to South Dakota.
• Credit cards making banks hemorrhage cash: Credit card issuers wrote off a record total of $89 billion in card debt in 2009 after losing $56 billion in 2008.
• Credit card issuers try to find a balance: William Janklow's law office in Sioux Falls, S.D., is crowded with mementos from his 16 years as a Republican governor. On a low wooden bookcase, near bottles of hot sauce custom labeled for his annual Buffalo Roundup, he keeps a 4-foot length of red ribbon... Credit card - Republican Party - Hot sauce - Lawyer - Red ribbon
• Credit card industry goes from boom to bust: South Dakota's Janklow changed how credit card firms did business. The economy has changed the game again.

Markets Related to Credit Card Issuing