Israel Commercial Banking Report

Providing expert analysis, independent forecasts and competitive intelligence on the commercial banking industry.

Report includes: BMI Industry View, Industry SWOT Analysis, Commercial Banking Risk Reward Index, Economic Forecasts, Global, Regional and Country Industry Overviews and Company Profiles.

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  • Benefit from the latest market opportunities
  • Understand the threats to your operations and investments and protect your company against future risks
  • Gain insight on emerging trends that could support, strengthen or disrupt your activities in the market
  • Get a full view of the competitive landscape to assess your market position
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Israel Commercial Banking Report
Product Price
$1,295.00
Commercial Banking Sector Indicators
Date Total assets Client loans Bond portfolio Other Liabilities and capital Capital Client deposits Other
Source: BMI; Central banks; Regulators
March 2015, ILSbn 1,307.9 813.3 159.9 334.7 1,307.9 70.3 1,042.3 195.3
March 2016, ILSbn 1,383.8 859.2 193.2 331.4 1,383.8 89.3 1,120.5 174.0
% change y-o-y 5.8% 5.6% 20.8% -1.0% 5.8% 27.1% 7.5% -10.9%
March 2015, USDbn 328.6 204.3 40.2 84.1 328.6 1765.2% 26188.6% 4908.2%
March 2016, USDbn 368.4 228.7 51.4 88.2 368.4 2376.9% 29830.8% 4633.4%
% change y-o-y 12.1% 11.9% 28.0% 4.9% 12.1% 34.7% 13.9% -5.6%
Commercial Banking Sector Key Ratios, March 2016
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio GDP Per Capita, USD Deposits per capita, USD
Source: BMI; Central banks; Regulators
76.68% 62.09% 76.66% 35,260.5 36,845.7
Falling Rising Rising na na
Annual Growth Rate Projections, 2015-2020 (%)
Assets Loans Deposits
Source: BMI; Central banks; Regulators
Annual Growth Rate 4 3 5
CAGR 5 3 4
Ranking 55 65 62
Ranking Out Of 75 Countries Reviewed In 2016
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio
Source: BMI; Central banks; Regulators
58 31 25
Local currency asset growth Local currency loan growth Local currency deposit growth
38 53 55
Commercial Banking Sector Indicators, 2013-2020
2013 2014 2015e 2016f 2017f 2018f 2019f 2020f
e/f = BMI estimate/forecast. Source: BMI; Central banks; Regulators
Total assets, ILSbn 1,215.6 1,289.6 1,365.1 1,453.8 1,526.5 1,587.6 1,649.0 1,712.0
Total assets, USDbn 349.9 330.8 354.6 377.6 407.1 435.0 451.8 465.8
Client loans, ILSbn 772.0 802.5 845.8 874.6 903.4 933.2 963.4 994.3
Client loans, USDbn 222.2 205.8 219.7 227.2 240.9 255.7 263.9 270.6
Client deposits, ILSbn 982.3 1,040.1 1,104.2 1,142.8 1,182.8 1,230.1 1,281.4 1,339.8
Client deposits, USDbn 282.8 266.8 286.8 296.8 315.4 337.0 351.1 364.6
BMI Industry View
7
Table: Commercial Banking Sector Indicators
7
Table: Commercial Banking Sector Key Ratios, March 2016
7
Table: Annual Growth Rate Projections, 2015-2020 (%)
7
Table: Ranking Out Of 75 Countries Reviewed In 2016
8
Table: Commercial Banking Sector Indicators, 2013-2020
8
SWOT
9
Commercial Banking
9
Political
11
Economic
13
Operational Risk
14
Industry Forecast
16
Commercial Banking Risk/Reward Index
21
Middle East and Africa Commercial Banking Risk/Reward Index
21
Table: Middle East and Africa Commercial Banking Risk/Reward Index
22
Market Overview
23
Israel - Gas Framework Approval No Game Change
23
Domestic Political Instability Not Over
25
No Breakthrough For Regional Cooperation
27
Middle East and Africa Commercial Banking Outlook
28
Table: Banks' Bond Portfolios, 2014
28
Table: Comparison Of Loan/Deposit, Loan/Asset And Loan/GDP Ratios, 2016
29
Table: Comparison Of Total Assets, Client Loans And Client Deposits (USDbn)
30
Table: Comparison Of USD Per Capita Deposits, 2016
31
Competitive Landscape
32
Market Structure
32
Protagonists
32
Table: Protagonists In Israel's Commercial Banking Sector
32
Definition Of The Commercial Banking Universe
32
List Of Banks
33
Table: Banks In Israel
33
Company Profile
34
Bank Hapoalim
34
Table: Stock Market Indicators
36
Table: Balance Sheet (ILSmn)
36
Table: Balance Sheet (USDmn)
37
Table: Key Ratios (%)
37
Bank Leumi Le-Israel
38
Table: Stock Market Indicators
41
Table: Balance Sheet (ILSmn)
41
Table: Balance Sheet (USDmn)
41
Table: Key Ratios (%)
42
First International Bank of Israel
43
Table: Stock Market Indicators
45
Table: Balance Sheet (ILSmn)
45
Table: Balance Sheet (USDmn)
46
Table: Key Ratios (%)
46
Israel Discount Bank
47
Table: Stock Market Indicators
49
Table: Balance Sheet (ILSmn)
49
Table: Balance Sheet (USDmn)
49
Table: Key Ratios (%)
50
Mizrahi Tefahot Bank
51
Table: Stock Market Indicators
53
Table: Balance Sheet (ILSmn)
53
Table: Balance Sheet (USDmn)
53
Table: Key Ratios (%)
54
Regional Overview
55
Middle East Overview
55
Iran Offers Opportunities
59
Global Industry Overview
61
Industry Forecast
61
The Reserves Penalty
61
Mixed Results So Far
64
Not Far Enough, Or Too Far Already-
69
In The End, Negative Rates Unlikely To Become Much More Prevalent
70
Table: Negative Interest Rates - Summary
72
Demographic Forecast
73
Table: Population Headline Indicators (Israel 1990-2025)
74
Table: Key Population Ratios (Israel 1990-2025)
75
Table: Urban/Rural Population & Life Expectancy (Israel 1990-2025)
75
Table: Population By Age Group (Israel 1990-2025)
76
Table: Population By Age Group % (Israel 1990-2025)
77
Methodology
78
Industry Forecast Methodology
78
Sector-Specific Methodology
79
Risk/Reward Index Methodology
80
Table: Commercial Banking Risk/Reward Index Indicators
81
Table: Weighting Of Indicators
82

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.