11/28/12
`
`Sector: 52 Finance and Insurance
`
`U.S. Census Bureau
`
`·, -·
`
`NAICS Sector: 52 Finance and Insurance
`
`The Finance and Insurance sector comprises establishments primarily engaged in financial transactions (transactions involving the creation, liquidation, or change in
`O\Wership of financial assets) and/or in facilitating financial transactions. Three principal types of activities are identified:
`
`Raising funds by taking deposits and/or issuing securities and, in the process, incurring liabilities. Establishments engaged in this activity use raised funds to acquire
`financial assets by making loans and/or purchasing securities. Putting themselves at risk, they channel funds from lenders to borrowers and transfurm or repackage the
`funds with respect to maturity, scale and risk. This activity is kno\W as financial intermediation
`
`Pooling of risk by IDl.derwriting insurance and annuities. Establislunents engaged in this activity collect tees, insurance premiums, or annuity considerations; build up
`reserves; invest those reserves; and make contractual payments. Fees are based on the expected incilence of the insured risk and the expected return on investment.
`
`Providing specialized services filcilitating or supporting financial intermediation, insurance, and employee benefit programs.
`
`In addition, monetary authorities charged with monetary control are included in this sector.
`
`The subsectors, industry groups, and industries within the NAICS Finance and Insurance sector are defined on the basis oftheir unique production processes. As
`with all industries, the production processes are distinguished by their use of specialized human resources and specialized physical capital In addition, the way in
`which these establislunents acquire and allocate financial capital, their source of funds, and the use of those funds provides a third basis fur distinguishing
`characteristics of the production process. For instance, the production process in raising funds through deposit-taking is difierent from the process of raising funds in
`bond or money markets. The process of making loans to individuals also requires difierent production processes than does the creati:m of investment pools or the
`IDl.derwriting of securities.
`
`Most of the Finance and Insurance subsectors contain one or more industry groups of(l) intermediaries with similar patterns of raising and using funds and (2)
`establishments engaged in activities that facilitate, or are otherwise related to, that type of financial or insurance intermediation
`
`Industries within this sector are defined in terms of activities fur which a production process can be specified, and many of these activities are not exclusive to a
`particular type of financial institution To deal with the varied activities taking place within existing financial institutions, the approach is to split these institutions into
`components perfurrning specialized services. This requires defining the ID1.its engaged in providing those services and developing procedures that allow fur their
`delineation These ID1.its are the equivalents fur finance and insurance of the establishments defined fur other industries.
`
`The output of many financial services, as well as the inputs and the processes by which they are combined, cannot be observed at a single location and can only be
`defined at a higher level of the organizational structure of the enterprise. Additionally, a number of independent activities that represent separate and distinct
`producti:>n processes may take place at a single location belonging to a muhilocation financial :firm. Activities are more likely to be homogeneous with respect to
`producti>n characteristics than are locations, at least in financial services. The classification defines activities broadly enough that it can be used both by those
`classiJYing by location and by those employing a more top-do\W approach to the delineation of the establishment.
`
`Establishments engaged in activities that facilitate, or are otherwise related to, the various types of intermediation have been included in individual subsectors, rather
`than in a separate subsector dedicated to services alone because these services are perfurmed by intermediaries as well as by specialist establishments and the extent
`to which the activity of the intermediaries can be separately identified is not clear.
`
`The Finance and Insurance sector has been defined to encompass establishments prirnanly engaged in financial transactions; that is, transactions involving the creation,
`liquidation, or change in O\Wership of financial assets or in filcilitating financial transactions. Financial industries are extensive users of electronic means fur facilitating
`the verification of financial balances, authorizing transactions, transrerring funds to and from transactors' accoiDl.ts, notiJYing banks (or credit card issuers) of the
`individual transactions, and providing daily summaries. Since these transaction processing activities are integral to the production of finance and insurance services,
`establishments that principally provide a financial transaction processing service are classified to this sector, rather than to the data processing industry in the
`InfOrmation sector.
`
`Legal entities that hold portfOlios of assets on behalf of others are significant and data on them are required fur a variety of purposes. Thus fur NAICS, these funds,
`trusts, and other financial vehicles are the fifth subsector of the Finance and Insurance sector. These entities earn interest, dividends, and other property income, but
`have little or no employment and no revenue from the sale of services. Separate establishments and employees devoted to the management of funds are classified in
`Industry Group 5239, Other Financial Investment Activities.
`
`Measuring America- Pe o pl e. Places. and Our Economy
`
`ABOUT US
`Are You tn a Survev?
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`Reg10na1 Off1ces
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`
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`Help '!1\\h Your Forms
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`
`PEOPLE & HOUSEHOLDS
`2010 CenSliS
`:oooeensus
`.!..l'l"encan CciTTl\Jnlty sur._.f.
`lnCOI'l"P-
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`Housing
`
`GEOGRAPHY
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`
`NElliS ROOM
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`Release Schedule
`
`VERSATA EXHIBIT 2056
`SAP v. VERSATA
`CASE CBM2012-00001
`
`www.census.gov/epcd/ec97/def/52. HTM
`
`1/2
`
`
`
`Sector: 52 Finance and Insurance
`
`U.S. Census Bureau
`
`·, -·
`
`NAICS Sector: 52 Finance and Insurance
`
`The Finance and Insurance sector comprises establishments primarily engaged in financial transactions (transactions involving the creation, liquidation, or change in
`O\Wership of financial assets) and/or in facilitating financial transactions. Three principal types of activities are identified:
`
`Raising funds by taking deposits and/or issuing securities and, in the process, incurring liabilities. Establishments engaged in this activity use raised funds to acquire
`financial assets by making loans and/or purchasing securities. Putting themselves at risk, they channel funds from lenders to borrowers and transfurm or repackage the
`funds with respect to maturity, scale and risk. This activity is kno\W as financial intermediation
`
`Pooling of risk by IDl.derwriting insurance and annuities. Establislunents engaged in this activity collect tees, insurance premiums, or annuity considerations; build up
`reserves; invest those reserves; and make contractual payments. Fees are based on the expected incilence of the insured risk and the expected return on investment.
`
`Providing specialized services filcilitating or supporting financial intermediation, insurance, and employee benefit programs.
`
`In addition, monetary authorities charged with monetary control are included in this sector.
`
`The subsectors, industry groups, and industries within the NAICS Finance and Insurance sector are defined on the basis oftheir unique production processes. As
`with all industries, the production processes are distinguished by their use of specialized human resources and specialized physical capital In addition, the way in
`which these establislunents acquire and allocate financial capital, their source of funds, and the use of those funds provides a third basis fur distinguishing
`characteristics of the production process. For instance, the production process in raising funds through deposit-taking is difierent from the process of raising funds in
`bond or money markets. The process of making loans to individuals also requires difierent production processes than does the creati:m of investment pools or the
`IDl.derwriting of securities.
`
`Most of the Finance and Insurance subsectors contain one or more industry groups of(l) intermediaries with similar patterns of raising and using funds and (2)
`establishments engaged in activities that facilitate, or are otherwise related to, that type of financial or insurance intermediation
`
`Industries within this sector are defined in terms of activities fur which a production process can be specified, and many of these activities are not exclusive to a
`particular type of financial institution To deal with the varied activities taking place within existing financial institutions, the approach is to split these institutions into
`components perfurrning specialized services. This requires defining the ID1.its engaged in providing those services and developing procedures that allow fur their
`delineation These ID1.its are the equivalents fur finance and insurance of the establishments defined fur other industries.
`
`The output of many financial services, as well as the inputs and the processes by which they are combined, cannot be observed at a single location and can only be
`defined at a higher level of the organizational structure of the enterprise. Additionally, a number of independent activities that represent separate and distinct
`producti:>n processes may take place at a single location belonging to a muhilocation financial :firm. Activities are more likely to be homogeneous with respect to
`producti>n characteristics than are locations, at least in financial services. The classification defines activities broadly enough that it can be used both by those
`classiJYing by location and by those employing a more top-do\W approach to the delineation of the establishment.
`
`Establishments engaged in activities that facilitate, or are otherwise related to, the various types of intermediation have been included in individual subsectors, rather
`than in a separate subsector dedicated to services alone because these services are perfurmed by intermediaries as well as by specialist establishments and the extent
`to which the activity of the intermediaries can be separately identified is not clear.
`
`The Finance and Insurance sector has been defined to encompass establishments prirnanly engaged in financial transactions; that is, transactions involving the creation,
`liquidation, or change in O\Wership of financial assets or in filcilitating financial transactions. Financial industries are extensive users of electronic means fur facilitating
`the verification of financial balances, authorizing transactions, transrerring funds to and from transactors' accoiDl.ts, notiJYing banks (or credit card issuers) of the
`individual transactions, and providing daily summaries. Since these transaction processing activities are integral to the production of finance and insurance services,
`establishments that principally provide a financial transaction processing service are classified to this sector, rather than to the data processing industry in the
`InfOrmation sector.
`
`Legal entities that hold portfOlios of assets on behalf of others are significant and data on them are required fur a variety of purposes. Thus fur NAICS, these funds,
`trusts, and other financial vehicles are the fifth subsector of the Finance and Insurance sector. These entities earn interest, dividends, and other property income, but
`have little or no employment and no revenue from the sale of services. Separate establishments and employees devoted to the management of funds are classified in
`Industry Group 5239, Other Financial Investment Activities.
`
`Measuring America- Pe o pl e. Places. and Our Economy
`
`ABOUT US
`Are You tn a Survev?
`FA Qs
`Dtectcr"s Corner
`Reg10na1 Off1ces
`History
`Research
`Scientific Integrity
`Jobs @ Census
`Dversil)' @ Census
`
`FIND DATA
`OutckFacts
`A rrencan FactF•nder
`
`Populat o n Rnder
`2010 Census
`Economc Census
`tmeractove Maps
`Tratnong & Workshops
`Data Tools
`Davelopers
`
`BUSINESS & INDUSTRY
`Help '!1\\h Your Forms
`E:c.onomc Indicators
`Econornc Census
`E-Stats
`Fora~gn Trade
`Export Cedes
`fi<'.ICS
`Go\•ernrrents
`Local 8rploymcnt [)yNmcs
`
`PEOPLE & HOUSEHOLDS
`2010 CenSliS
`:oooeensus
`.!..l'l"encan CciTTl\Jnlty sur._.f.
`lnCOI'l"P-
`Povarty
`Fbpulati~n Es tun::uas
`PopulatiOn A'oject1ons
`Healtr, lnsi.Jrance
`Housing
`
`GEOGRAPHY
`Maps and Mapping
`TIGER
`
`NElliS ROOM
`News Releases
`Release Schedule
`
`VERSATA EXHIBIT 2056
`SAP v. VERSATA
`CASE CBM2012-00001
`
`www.census.gov/epcd/ec97/def/52. HTM
`
`1/2
`
`
`
`11/28/12
`
`Sector: 52 Finance and Insurance
`
`NAICS Sector: 52 Finance and Insurance
`
`The Finance and Insurance sector comprises establishments primarily engaged in financial transactions (transactions involving the creation, liquidation, or change in
`ownership of financial assets) and/or in facilitating financial transactions. Three principal types of activities are identified:
`
`Raising funds by taking deposits and/or issuing securities and, in the process, incurring liabilities. Establishments engaged in this activity use raised funds to acquire
`financial assets by making loans and/or purchasing securities. Putting themselves at risk, they channel funds from lenders to borrowers and transform or repackage the
`funds with respect to maturity, scale and risk. This activity is known as financial intermediation.
`
`Pooling of risk by underwriting insurance and annuities. Establishments engaged in this activity collect fees, insurance premiums, or annuity considerations; build up
`reserves; invest those reserves; and make contractual payments. Fees are based on the expected incidence of the insured risk and the expected return on investment.
`
`Providing specialized services facilitating or supporting financial intermediation, insurance, and employee benefit programs.
`
`In addition, monetary authorities charged with monetary control are included in this sector.
`
`The subsectors, industry groups, and industries within the NAICS Finance and Insurance sector are defined on the basis of their unique production processes. As
`with all industries, the production processes are distinguished by their use of specialized human resources and specialized physical capital. In addition, the way in
`which these establishments acquire and allocate financial capital, their source of funds, and the use of those funds provides a third basis for distinguishing
`characteristics of the production process. For instance, the production process in raising funds through deposit-taking is different from the process of raising funds in
`bond or money markets. The process of making loans to individuals also requires different production processes than does the creation of investment pools or the
`underwriting of securities.
`
`Most of the Finance and Insurance subsectors contain one or more industry groups of (1) intermediaries with similar patterns of raising and using funds and (2)
`establishments engaged in activities that facilitate, or are otherwise related to, that type of financial or insurance intermediation.
`
`Industries within this sector are defined in terms of activities for which a production process can be specified, and many of these activities are not exclusive to a
`particular type of financial institution. To deal with the varied activities taking place within existing financial institutions, the approach is to split these institutions into
`components performing specialized services. This requires defining the units engaged in providing those services and developing procedures that allow for their
`delineation. These units are the equivalents for finance and insurance of the establishments defined for other industries.
`
`The output of many financial services, as well as the inputs and the processes by which they are combined, cannot be observed at a single location and can only be
`defined at a higher level of the organizational structure of the enterprise. Additionally, a number of independent activities that represent separate and distinct
`production processes may take place at a single location belonging to a multilocation financial firm. Activities are more likely to be homogeneous with respect to
`production characteristics than are locations, at least in financial services. The classification defines activities broadly enough that it can be used both by those
`classifying by location and by those employing a more top-down approach to the delineation of the establishment.
`
`Establishments engaged in activities that facilitate, or are otherwise related to, the various types of intermediation have been included in individual subsectors, rather
`than in a separate subsector dedicated to services alone because these services are performed by intermediaries as well as by specialist establishments and the extent
`to which the activity of the intermediaries can be separately identified is not clear.
`
`The Finance and Insurance sector has been defined to encompass establishments primarily engaged in financial transactions; that is, transactions involving the creation,
`liquidation, or change in ownership of financial assets or in facilitating financial transactions. Financial industries are extensive users of electronic means for facilitating
`the verification of financial balances, authorizing transactions, transferring funds to and from transactors' accounts, notifying banks (or credit card issuers) of the
`individual transactions, and providing daily summaries. Since these transaction processing activities are integral to the production of finance and insurance services,
`establishments that principally provide a financial transaction processing service are classified to this sector, rather than to the data processing industry in the
`Information sector.
`
`Legal entities that hold portfolios of assets on behalf of others are significant and data on them are required for a variety of purposes. Thus for NAICS, these funds,
`trusts, and other financial vehicles are the fifth subsector of the Finance and Insurance sector. These entities earn interest, dividends, and other property income, but
`have little or no employment and no revenue from the sale of services. Separate establishments and employees devoted to the management of funds are classified in
`Industry Group 5239, Other Financial Investment Activities.
`
`Measuring America—People, Places, and Our Economy
`
`ABOUT US
`Are You in a Survey?
`FAQs
`Director's Corner
`Regional Offices
`History
`Research
`Scientific Integrity
`Jobs @ Census
`Diversity @ Census
`
`FIND DATA
`QuickFacts
`American FactFinder
`Population Finder
`2010 Census
`Economic Census
`Interactive Maps
`Training & Workshops
`Data Tools
`Developers
`
`BUSINESS & INDUSTRY
`Help With Your Forms
`Economic Indicators
`Economic Census
`E-Stats
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`Local Employment Dynamics
`
`PEOPLE & HOUSEHOLDS
`2010 Census
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`Income
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`Population Estimates
`Population Projections
`Health Insurance
`Housing
`
`GEOGRAPHY
`Maps and Mapping
`TIGER
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`SPECIAL TOPICS
`Statistics in Schools
`Tribal Resources (AIAN)
`Emergency Preparedness
`Statistical Abstract
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`
`1/2
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`
`11/28/12
`
`Business Opportunities
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`Sector: 52 Finance and Insurance
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`www.census.gov/epcd/ec97/def/52.HTM
`
`2/2
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`
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