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Industrial Banks

Industrial Banks

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Executive summary

Over the five years to 2022, the Industrial Banks industry has advanced further into the public spotlight. Industrial banks, also known as industrial loan companies (ILCs), are FDIC-insured banking institutions that can be owned and operated by nonfinancial institutions. They are often established by nonfinancial enterprises to provide consumer financing, make intracompany transactions or simply enter the credit market. The FDIC's high liquidity requirements as well as competition in this highly concentrated industry have spurred the exit of the least competitive industrial banks.
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industry revenue;

industry profit;

industry margin;

industry employment;

industry major players;

industry key external drivers;

industry product & structure segmentation;

industry key trends;

industry Life Cycle;

industry Geographic Breakdown;

industry Key Success Factors;

industry Key statistics for previous years;

forecast of industry Key statistics for the next 5 years;

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Reference Wordlist

High barriers to entry mean that new companies struggle to enter an industry, while low barriers mean it is easy for new companies to enter an industry.

Compares the amount of money spent on capital (plant, machinery and equipment) with that spent on labor.
IBISWorld uses the ratio of depreciation to wages as a proxy for capital intensity. High capital intensity is more than $ 0.333 of capital to $ 1 of labor; medium is $ 0.125 to $ 0.333 of capital to $ 1 of labor; low is less than $ 0.125 of capital for every $ 1 of labor.

The dollar figures in the Key Statistics table, including forecasts, are adjusted for inflation using the current year (i.e. year published) as the base year. This removes the impact of changes in the purchasing power of the dollar, leaving only the "real" growth or decline in industry metrics. The inflation adjustments in IBISWorld’s reports are made using the US Bureau of Economic Analysis’ implicit GDP price deflator.

Spending on industry goods and services within the United States, regardless of their country of origin. It is derived by adding imports to industry revenue, and then subtracting exports.

Colloquial Terminology

A depositor's savings account from which funds may be transferred automatically to the same depositor's checking account to cover a check written or to maintain a minimum balance.

A short- or medium-term, interest-bearing, FDIC-insured account.

Accounts insured by the federal government that offer many of the same services as checking accounts. They are more limited in their transactions and carry slightly more risk.


The industry's core business of issuing credit cards and originating loans has grown for much of the period.
However, over some years, trouble hurt the industry. In 2018, industry revenue declined sharply due to the conversion of American Express Centurion Bank (AECB) to American Express National Bank, as the company converted its industrial loan company charter to a national bank charter. Since American Express was the largest operator in the industry, its exit caused total industry revenue to plunge in 2018. Furthermore, impacts of COVID-19 (coronavirus) on the general economy led to declining interest rates resulted in a 7.1% industry revenue decline revenue in 2020. However, economic recovery and rising interest rates have led to growth in industry revenue towards the end of the period. According to IBISWorld estimates, industry revenue has declined at an annualized rate of 8.8% to $13.1 billion over the five years to 2022, including an estimated 4.5% growth in 2022 alone.
Moreover, recently decreased rates along with the exit of AECB has helped bolster average industry profitability during the period. Accordingly, industry profit, measured as earnings before interest and taxes, is expected to reach 50.5% of revenue in 2021.

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