That is the point. They should have numbers to show which industries get rates, and targets that a company meet (how is an open question - it might not be possible) to move to a different rate - either up or down.
That leaves only illegal black markets where those involved avoid banks anyway because banks report activity to the local government. (illegal money laundering schemes do use banks, but there are numbers for banks to use even if they don't know about the illegal side of the business)
Once in a while there is a brand new industry, but they tend to start small enough that banks can figure out numbers before the risk is too big to worry about.
