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The Premium Report on Credit Intermediation 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 Intermediation 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 Intermediation

The total U.S. market size for the Credit Intermediation 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 Intermediation

Market forecasts show the long term outlook for the Credit Intermediation 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 Intermediation 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
Loan Products - Income	AVAILABLE
Loans To Businesses - Commercial And Industrial Mortgages	AVAILABLE
Loans To Businesses - Other	AVAILABLE
Loans To Consumers - Secured, Residential Mortgages	AVAILABLE
Loans To Consumers - Secured, Home Equity	AVAILABLE
Loans To Consumers - Secured, Vehicle	AVAILABLE
Loans To Consumers - Secured, Other	AVAILABLE
Loans To Consumers - Unsecured	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
All Other Credit Financing Products - Income	AVAILABLE
Brokering And Dealing Products - Debt Instruments	AVAILABLE
Separately-Priced Deposit Account Products	AVAILABLE
Cash Handling And Management Products	AVAILABLE
Document Payment Products	AVAILABLE
Automated Clearinghouse (Ach) Products - Fees	AVAILABLE
Other Products Supporting Financial Services - Fees	AVAILABLE

Income Statement (Average Financial Metrics) - Credit Intermediation

Financial metrics provide a snapshot view of an "average" company in the Credit Intermediation 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 Intermediation

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

Liquidity Ratios - Credit Intermediation 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 Intermediation 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 Intermediation

Compensation statistics provides an accurate assessment of jobs in the Credit Intermediation 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	6%	AVAILABLE Included in Report Order at top of page
Chief executives	0%
General and operations managers	2%
Business and financial operations occupations	26%
Loan officers	16%
Computer and mathematical science occupations	5%
Sales and related occupations	10%
Office and administrative support occupations	51%
Tellers	8%
Customer service representatives	11%
Loan interviewers and clerks	7%

Source: Bureau of Labor Statistics

Companies in Credit Intermediation and Adjacent Industries

Company	Address	Key Contact
AVAILABLE	AVAILABLE	AVAILABLE

Public Credit Intermediation Company News

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

Government Contracts Related to Credit Intermediation

In 2008, the federal government spent a total of $86,934,276 on Credit Intermediation. It has awarded 368 contracts to 54 companies, with an average value of $1,609,894 per company.   

Top government vendors:

Company	Federal Contracts	Total Award Amount
AVAILABLE	AVAILABLE	AVAILABLE

The Industry Report on Credit Intermediation 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 Intermediation 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 Intermediation

The total U.S. market size for the Credit Intermediation 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 Intermediation

Financial metrics provide a snapshot view of an "average" company in the Credit Intermediation 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 Intermediation

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

Liquidity Ratios - Credit Intermediation 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 Intermediation 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 Intermediation

Compensation statistics provides an accurate assessment of jobs in the Credit Intermediation 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	6%	AVAILABLE Included in Report Order at top of page
Chief executives	0%
General and operations managers	2%
Business and financial operations occupations	26%
Loan officers	16%
Computer and mathematical science occupations	5%
Sales and related occupations	10%
Office and administrative support occupations	51%
Tellers	8%
Customer service representatives	11%
Loan interviewers and clerks	7%

Source: Bureau of Labor Statistics

Companies in Credit Intermediation and Adjacent Industries

Company	Address	Key Contact
AVAILABLE	AVAILABLE	AVAILABLE

Public Credit Intermediation Company News

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

• ECB's Bini Smaghi Calls For Intl Coordination In Banking Regulation: International coordination and cooperation among financial authorities are crucial for the success of the regulatory efforts to shape a better prudential framework, European Central Bank Executive Board member Lorenzo Bini Smaghi said Wednesday.
• Research and Markets: Personal Assets in Bulgaria: Financial Wealth and Housing Market/Q2 2010: DUBLIN----Research and Markets has announced the addition of the "Personal Assets in Bulgaria: Financial Wealth and Housing Market/Q2 2010" report to their offering.
• Bini Smaghi: ECB Intervened To Restore Dysfunctional Markets, Not To Finance Public Debt: The European Central Bank's Securities Markets Programme was aimed to restore markets, which are dysfunctional and not to finance public debt, the bank's Executive Board member Lorenzo Bini Smaghi said Monday.
• Base rate unlikely to push fund costs: The Reserve Bank of India on Monday said some apprehension that the forthcoming base rate system from July...
• PRODUCT PROFILE: The value of all loans to the private sector from banks fell by 9.3pc in the first quarter of this year but some two-thirds of this was due to write-downs of existing credit arrangements and increased provisions for bad and doubtful debts.
• No golden time, but a time for gold: The price of gold soared from US$712 an ounce in October 2008 to $1,246 an ounce in May 2010 - and to more than $1,250 this week. The rapid appreciation of gold has meant a rapid depreciation of reserve currencies.
• Greenspans froth not bubble, 5 years later: Welcome to National Froth Day, an annual event at Lansner on Real Estate, where we honor our inability to see a brewing bubble. It was this day, five years ago, where then-Fed boss Alan Greenspan and then-reigning Maestro of the economy ...
• Bank lending posts 6.7% gain in April: The Bangko Sentral ng Pilipinas (BSP) Wednesday reported that big banks' outstanding loans grew by 6.7 percent year-on-year to P2.12 trillion as of April.
• Bank lending continues growth in April: Bank lending exhibited continuous growth in April, and with the higher-than-expected first quarter growth in the countrys gross domestic product, a higher bank lending rate is possible.
• Loans taken from banks grew in 1st four monthsBSP: Outstanding loans from universal and commercial banks grew at a faster pace in April in what monetary officials said should help sustain the robust growth of the economy in the first quarter.
• Bank lending growth slows down in March: Loans granted by the countrys banks continued to grow in March, albeit lower than the previous months level, the Bangko Sentral ng Pilipinas (BSP) said.
• The die is cast: My secular bearish view is premised on the serial bubble thesis: the current backdrop is the product of more than two decades of ever-expanding bubbles and increasingly expansive government reflationary measures.
• The day government bond trading stopped being boring: Government bond trading used to be dull. Unlike their cousins in the equities or credit markets, where large swings in prices are the norm, government bond traders traditionally operated in a world of low volatility, where changes in fractions of percentage points were considered a big deal.
• Laurence J. Kotlikoff: Open Letter to Lord Turner: An open letter from Laurence Kotlikoff of Boston University to Lord Turner, chairman of Britain's Financial Services Authority Dear Adair, I listened to your terrific...
• The Hindu Business Line : Micro-finance, a success story: The Indian microfinance sector has played a laudable role in improving the lot of the economically disadvantaged. What's more, it has unleashedthe potential of the economically challenged, propelling them up the economic ladder.

Markets Related to Credit Intermediation