Israel Commercial Banking Report

Published 30 June 2015

  • 74 pages
  • Instant access to your report online and PDF format through your account library
  • Includes 3 free updated quarterly reports
 
$1,295.00
Israel 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
December 2013, ILSbn 1,215.6 772.0 155.5 288.1 1,215.6 77.2 982.3 156.1
December 2014, ILSbn 1,288.8 147.6 338.6 1,288.8 80.1 1,040.5 168.3
% change y-o-y 6.0% 4.0% -5.0% 17.5% 6.0% 3.7% 5.9% 7.8%
December 2013, USDbn 349.9 222.2 44.8 83.0 349.9 22.2 282.8 44.9
December 2014, USDbn 330.6 205.9 37.9 86.8 330.6 20.5 266.9 43.2
% change y-o-y -5.5% -7.4% -15.4% 4.7% -5.5% -7.6% -5.6% -4.0%
Commercial Banking Sector Key Ratios, December 2014
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio GDP Per Capita, USD Deposits per capita, USD
Source: BMI; Central banks; Regulators
77.14% 62.28% 74.06% 36,497.2 34,118.5
Falling Falling Falling n.a. n.a.
Annual Growth Rate Projections, 2014-2019 (%)
Assets Loans Deposits
Source: BMI; Central banks; Regulators
Annual Growth Rate 4 3 4
CAGR 4 3 4
Ranking 56 60 65
Ranking Out Of 73 Countries Reviewed In 2015
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio
Source: BMI; Central banks; Regulators
59 28 28
Local currency asset growth Local currency loan growth Local currency deposit growth
53 53 63
Commercial Banking Sector Indicators, 2012-2019
2012 2013 2014 2015f 2016f 2017f 2018f 2019f
e/f = BMI estimate/forecast. Source: BMI; Central banks; Regulators
Total assets, ILSbn 1,182.6 1,215.6 1,288.8 1,343.0 1,399.4 1,455.4 1,513.6 1,572.1
Total assets, USDbn 316.7

Table of Contents

BMI Industry View
7
Table: Commercial Banking Sector Indicators
7
Table: Commercial Banking Sector Key Ratios, December 2014
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
Economic Analysis
14
Slowdown In Deposit Growth Ahead
16
Industry Risk Reward Ratings
18
Middle East and Africa Commercial Banking Risk/Reward Index
18
Table: Middle East and Africa Commercial Banking Risk/Reward Index
19
Market Overview
20
Middle East and Africa Commercial Banking Outlook
20
Table: Banks' Bond Portfolios, 2013
20
Table: Comparison Of Loan/Deposit, Loan/Asset And Loan/GDP Ratios, 2015
21
Table: Comparison Of Total Assets, Client Loans And Client Deposits (USDbn)
22
Table: Comparison Of USD Per Capita Deposits, 2015
23
Economic Activity
24
Table: MENA - Operational Risk
27
Table: Economic Activity (Israel 2009-2018)
30
Competitive Landscape
31
Market Structure
31
Protagonists
31
Table: Protagonists In Israel's Commercial Banking Sector
31
Definition Of The Commercial Banking Universe
31
List of Banks
32
Table: Banks In Israel
32
Company Profile
33
Bank Hapoalim
33
Table: Stock Market Indicators
35
Table: Balance Sheet (ILSmn)
35
Table: Balance Sheet (USDmn)
36
Table: Key Ratios (%)
36
Bank Leumi Le-Israel
37
Table: Stock Market Indicators
40
Table: Balance Sheet (ILSmn)
40
Table: Balance Sheet (USDmn)
40
Table: Key Ratios (%)
41
First International Bank of Israel
42
Table: Stock Market Indicators
44
Table: Balance Sheet (ILSmn)
44
Table: Balance Sheet (USDmn)
44
Table: Key Ratios (%)
45
Israel Discount Bank
46
Table: Stock Market Indicators
48
Table: Balance Sheet (ILSmn)
48
Table: Balance Sheet (USDmn)
48
Table: Key Ratios (%)
49
Mizrahi Tefahot Bank
50
Table: Stock Market Indicators
52
Table: Balance Sheet (ILSmn)
52
Table: Balance Sheet (USDmn)
52
Table: Key Ratios (%)
53
Regional Overview
54
Middle East Overview
54
Oil Importers: Positive On Egypt And Morocco
57
Global Industry Overview
60
Global Commercial Banking Outlook
60
EM External Corporate Debt A Potential Risk To Financial Stability
60
Eurozone and US Banking Outlooks
62
Emerging Market Regional Outlooks
62
Demographic Forecast
67
Table: Population Headline Indicators (Israel 1990-2025)
68
Table: Key Population Ratios (Israel 1990-2025)
69
Table: Urban/Rural Population & Life Expectancy (Israel 1990-2025)
69
Table: Population By Age Group (Israel 1990-2025)
70
Table: Population By Age Group % (Israel 1990-2025)
71
Methodology
72
Industry Forecast Methodology
72
Sector-Specific Methodology
73
Risk/Reward Ratings Methodology
74
Table: Commercial Banking Risk/Reward Rating Indicators
75
Table: Weighting Of Indicators
76

The Israel Commercial Banking Report has been researched at source and features BMI Research's independent assessment and forecasts for the commercial banking sector in Israel. 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 Israel 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 Israel.

Key Benefits

  • Benchmark BMI's independent commercial banking industry forecasts for Israel to test other views - a key input for successful budgeting and strategic business planning in the Israeli commercial banking market.
  • Target business opportunities and risks in Israel 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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Testimonials

'An essential, multi-faceted research tool. BMI’s thorough understanding of the major market players enables an informed – and informative – review of the sector’s actual performance, together with useful insights into current industry issues, which are topped-off with detailed and invaluable forecasts of industry and macroeconomic trends.’

Senior Research Analyst, ABC International Bank plc