Brazil Commercial Banking Report

Published 06 August 2015

  • 69 pages
  • Instant access to your report online and PDF format through your account library
  • Includes 3 free updated quarterly reports
$1,295.00
Brazil Commercial Banking Report
Commercial Banking Sector Indicators
Date Total assets Client loans Bond portfolio Other Liabilities and capital Capital Client deposits Other
Source: BMI, Central banks, Regulators
May 2014, BRLbn 6,000.5 3,567.8 1,660.3 772.5 6,000.5 843.7 3,867.7 1,289.2
May 2015, BRLbn 6,679.4 3,886.9 1,894.7 897.8 6,679.4 802.2 4,432.1 1,445.1
% change y-o-y 11.3% 8.9% 14.1% 16.2% 11.3% -4.9% 14.6% 12.1%
May 2014, USDbn 2,677.0 1,591.7 740.7 344.6 2,677.0 376.4 1,725.5 575.1
May 2015, USDbn 2,101.3 1,222.8 596.1 282.5 2,101.3 252.4 1,394.3 454.6
% change y-o-y -21.5% -23.2% -19.5% -18.0% -21.5% -32.9% -19.2% -21.0%
Commercial Banking Sector Key Ratios, May 2015
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio GDP Per Capita, USD Deposits per capita, USD
Source: BMI, Central banks, Regulators
87.70% 58.19% 72.19% 8,794.1 6,878.3
Falling Falling Falling n.a. n.a.
Annual Growth Rate Projections 2014-2019 (%)
Assets Loans Deposits
Source: BMI, Central banks, Regulators
Annual Growth Rate 13 13 12
CAGR 12 11 12
Ranking 20 24 20
Ranking Out Of 73 Countries Reviewed In 2015
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio
Source: BMI, Central banks, Regulators
36 35 27
Local currency asset growth Local currency loan growth Local currency deposit growth
26 28 23
...
Commercial Banking Sector Indicators, 2012-2019
2012 2013 2014 2015f 2016f 2017f 2018f 2019f
e/f = estimate/forecast. Source: BMI, Central banks, Regulators
Total assets, BRLbn 5,277.1 5,779.3 6,458.0 7,103.8 7,885.2 8,870.8 9,979.7 11,277.0
BMI Industry View
7
Table: Commercial Banking Sector Indicators
7
Table: Commercial Banking Sector Key Ratios, May 2015
7
Table: Annual Growth Rate Projections 2014-2019 (%)
7
Table: Ranking Out Of 73 Countries Reviewed In 2015
8
Table: Commercial Banking Sector Indicators, 2012-2019
8
SWOT
9
Commercial Banking
9
Political
10
Economic
11
Operational Risk
12
Industry Forecast
14
Table: Brazil - Banking Sector Risk Snapshot
14
Table: Brazil - Banking Sector Overview
18
Commercial Banking Risk/Reward Index
19
Latin America Commercial Banking Risk/Reward Index
19
Table: Latin America Commercial Banking Risk/Reward Index
20
Market Overview
21
Latin America Commercial Banking Outlook
21
Table: Banks' Bond Portfolios, 2013
21
Table: Comparison of Loan/Deposit & Loan/Asset & Loan/GDP ratios, 2015
21
Table: Comparison of Total Assets & Client Loans & Client Deposits (USDbn)
22
Table: Comparison of USD Per Capita Deposits, 2015
22
Economic Analysis
23
Table: GDP By Expenditure (Brazil 2012-2019)
28
Competitive Landscape
29
Market Structure
29
Protagonists
29
Table: Protagonists In Brazil's Commercial Banking Sector
29
Definition Of The Commercial Banking Universe
29
List of Banks
30
Table: 50 Largest Banks In Brazil (by total assets)
30
Company Profile
32
Banco do Brasil
32
Table: Stock Market Indicators
34
Table: Balance Sheet (BRLmn)
34
Table: Balance Sheet (USDmn)
34
Table: Key Ratios (%)
35
Banco Safra
36
Table: Balance Sheet (BRLmn)
37
Table: Balance Sheet (USDmn)
37
Table: Key Ratios (%)
38
Bradesco
39
Table: Stock Market Indicators
40
Table: Balance Sheet (BRLmn)
41
Table: Balance Sheet (USDmn)
41
Table: Key Ratios (%)
41
Caixa Economica Federal
42
Table: Balance Sheet (BRLmn)
43
Table: Balance Sheet (USDmn)
44
Table: Key Ratios (%)
44
Santander
45
Table: Stock Market Indicators
47
Table: Balance Sheet (BRLmn)
47
Table: Balance Sheet (USDmn)
47
Table: Key Ratios (%)
48
Regional Overview
49
Industry Forecast
49
Global Industry Overview
54
Global Commercial Banking Outlook
54
Demographic Forecast
60
Table: Population Headline Indicators (Brazil 1990-2025)
61
Table: Key Population Ratios (Brazil 1990-2025)
61
Table: Urban/Rural Population & Life Expectancy (Brazil 1990-2025)
62
Table: Population By Age Group (Brazil 1990-2025)
62
Table: Population By Age Group % (Brazil 1990-2025)
63
Methodology
65
Industry Forecast Methodology
65
Sector-Specific Methodology
66
Risk/Reward Index Methodology
67
Table: Commercial Banking Risk/Reward Index Indicators
68
Table: Weighting Of Indicators
69

The Brazil Commercial Banking Report has been researched at source and features BMI Research's independent assessment and forecasts for the commercial banking sector in Brazil. It examines key drivers of growth and future prospects, including the macroeconomic situation, the level of development and potential for growth of the banking sector, the commercial initiatives of major players, government policy and the regulatory environment. Leading banks are profiled, covering total assets, liabilities, client deposits, lending, bond holdings, main products and services, competitive positioning and ownership structure.

BMI's Brazil Commercial Banking Report provides industry professionals and strategists, sector analysts, business investors, trade associations and regulatory bodies with independent forecasts and competitive intelligence on the commercial banking industry in Brazil.

Key Benefits

  • Benchmark BMI's independent commercial banking industry forecasts for Brazil to test other views - a key input for successful budgeting and strategic business planning in the Brazilian commercial banking market.
  • Target business opportunities and risks in Brazil through our reviews of latest industry trends, regulatory changes, and major deals, investments and macroeconomic developments.
  • Exploit latest competitive intelligence on your competitors, partners and clients via our Company Profiles (inc. SWOTs, KPIs and latest activity) and Competitive Landscape Analysis.

Coverage

BMI Industry View

Key insights into the commercial banking market, covering industry trends, key players and the regulatory environment, plus snapshots of assets, liabilities, client loans and client deposits in local currency and USD.

Industry SWOT Analysis

Analysis of the major strengths, weaknesses, opportunities and threats within the commercial banking sector and within the broader political, economic and business environment.

BMI’s Commercial Banking Risk Reward Index

BMI’s Risk Reward Index provides investors and participants looking for opportunities in the region with a clear country-comparative assessment of a market’s risks and potential rewards. Each of the country markets are scored using a sophisticated model that includes more than 40 industry, economic and demographic points. These provide indices of highest to lowest appeal to investors, with each position explained.

Global, Regional and Country Industry Overviews

In-depth analysis of the major global and regional developments in the market, which can be linked with the country industry overview, providing cross-country investment, product and financing trends that will affect each market, supported by BMI’s global and regional industry forecasts.

BMI Economic Forecasts

BMI forecasts to end-2019 for all headline macroeconomic indicators, including real GDP growth, inflation, fiscal balance, trade balance, current account and external debt.

  • Competitive Landscape Market Data: Analysis of market size, dominant trends, competitive landscape and key annual and quarterly data.
  • Company Database: A comprehensive breakdown of KPIs of the leading commercial banks, including assets and liabilities, client loans, client deposits, capital, bond holdings, loan-deposit ratio, tier 1 capital, return on assets, earnings per share and market capitalisation.

Company Profiles and SWOTs

Examines the competitive positioning and short- to medium-term business strategies of key industry players. Strategy is examined within the context of BMI’s industry forecasts, our macroeconomic views and our understanding of the wider competitive landscape to generate company SWOT analyses.

The latest financial and operating statistics and key company developments are also incorporated within the company profiles, enabling a full evaluation of recent company performance and future growth prospects.

Sources

The Commercial Banking reports draw on a network of primary sources, such as multilateral organisations, government departments, industry associations, chambers and company reports.

*Company profiles are not available for every country. Those reports instead contain information on the current activities of prominent companies operating in the market.

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