Question-and-Answer Session
Operator
(Operator Instructions) Our first question comes from Henry Kirn – UBS.
Henry Kirn - UBS
Wondering if you could talk a little about the historical experience when you closed branches that are within 20 miles of another, how much have you been able to keep in house and how much has leaked out?
Michael Kneeland
Actually when you go through the analysis, by the way I just want to quantify by we go into a very deep, deep analysis process that involves not only finance, but the operators, all the way down to the local level. And we annualized our deliver-to radius and as a result we would expect to retain somewhere around two thirds to 60% of the revenue. Some of the other business which is walk in and the cash business, will go away, but it should have a high retention level. Each branch is really determined on its market and where it's position, but on balance that's where it falls out.
Henry Kirn - UBS
Okay, and is it possible to talk a little about, maybe as we go a couple quarters out what the potential recurring tailwind from not having those branches around anymore would be?
William Plummer
Without going into specifics, we do expect that there will be a incremental impact to EBITDA positive. It's not going to make the year for us but it certainly will be a positive. We do expect that we will improve margins as a result of the closures. Again, at the scale of what we're closing, it will be there, but it may not move the needle on our overall corporate margin. But certainly it's headed in the right direction.
And certainly we expect that some of the other key metrics that we look like, that we look at, in terms of performance, per-branch performance, per employee, other measures, such like, will be improved as well.
Michael Kneeland
Henry, I also wanted to and kind of dropped back to the other question, which may help you, as well, when you take a look at this. We look at not only where we are today, but where we expect this branch to perform over the next three to five years, using some projects and, whether it's be the population shift, whether it be some of the McGraw-Hill projections.
We've had a better understanding of where the market is, and so all of those go into that equation when we look at these branches. And it's part of our longer-term strategy that we will emerge as a lender, stronger, more-efficient company, as we come out of this.
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