United States Commercial Banking Report

Published 13 February 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
United States 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
March 2014, USDbn 14,324.8 10,269.8 516.8 3,538.2 14,324.8 1,559.2 10,023.9 2,741.7
March 2015, USDbn 15,296.2 11,089.0 655.7 3,551.5 15,296.2 1,645.0 10,718.9 2,932.3
% change y-o-y 6.8% 8.0% 26.9% 0.4% 6.8% 5.5% 6.9% 7.0%
March 2014, USDbn 14,324.8 10,269.8 516.8 3,538.2 14,324.8 1,559.2 10,023.9 2,741.7
March 2015, USDbn 15,296.2 11,089.0 655.7 3,551.5 15,296.2 1,645.0 10,718.9 2,932.3
% change y-o-y 6.8% 8.0% 26.9% 0.4% 6.8% 5.5% 6.9% 7.0%
Commercial Banking Sector Key Ratios, March 2015
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio GDP Per Capita, USD Deposits per capita, USD
na = not available/applicable. Source: BMI; Central banks; Regulators
103.45% 72.50% 62.99% 51,980.7 33,162.9
Rising Rising Rising n.a. n.a.
Annual Growth Rate Projections 2014-2019 (%)
Assets Loans Deposits
Source: BMI; Central banks; Regulators
Annual Growth Rate 5 5 5
CAGR 6 6 5
Ranking 50 48 53
Ranking Out Of 73 Countries Reviewed In 2015
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio
Source: BMI; Central banks; Regulators
21 7 36
Local currency asset growth Local currency loan growth Local currency deposit growth
41 37 45
...
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, USDbn 13,142.6 14,030.4 15,047.1

Table of Contents

BMI Industry View
7
Table: Commercial Banking Sector Indicators
7
Table: Commercial Banking Sector Key Ratios, September 2014
7
Table: Annual Growth Rate Projections 2013-2018 (%)
7
Table: Ranking Out Of 73 Countries Reviewed In 2014
8
Table: Commercial Banking Sector Indicators, 2011-2018
8
SWOT
9
Commercial Banking
9
Political
10
Economic
11
Industry Forecast
12
Table: UNITED STATES - BANKING SECTOR OVERVIEW
16
Industry Risk Reward Ratings
17
Developed States Commercial Banking Risk/Reward Index
17
Table: Developed States Commercial Banking Risk/Reward Index
18
Market Overview
19
Developed States Commercial Banking Outlook
19
Table: Banks' Bond Portfolios, 2013
19
Table: Comparison of Loan/Deposit & Loan/Asset & Loan/GDP ratios, 2014
20
Table: Comparison of Total Assets & Client Loans & Client Deposits (USDbn)
20
Table: Comparison of USD Per Capita Deposits, 2014
21
Economic Analysis
21
Table: Economic Activity (United States 2009-2018)
27
Competitive Landscape
28
Market Structure
28
Protagonists
28
Table: Protagonists In The US Commercial Banking Sector
28
Definition Of The Commercial Banking Universe
29
List Of Banks
29
Table: Top 50 Bank Holding Companies In Terms Of Total Domestic Deposits
29
Company Profile
31
Bank of America
31
Table: Stock Market Indicators
33
Table: Balance Sheet (USDmn)
33
Table: Key Ratios (%)
34
Citigroup
35
Table: Stock Market Indicators
37
Table: Balance Sheet (USDmn)
37
Table: Key Ratios (%)
37
JPMorgan Chase
38
Table: Stock Market Indicators
40
Table: Balance Sheet (USDmn)
41
Table: Key Ratios (%)
41
US Bancorp
42
Table: Stock Market Indicators
44
Table: Balance Sheet (USDmn)
44
Table: Key Ratios (%)
45
Wells Fargo
46
Table: Stock Market Indicators
48
Table: Balance Sheet (USDmn)
48
Table: Key Ratios (%)
49
Global Industry Overview
50
Global Commercial Banking Outlook
50
Financial Sector Reform A Key Factor In Loan Growth
55
Demographic Forecast
59
Table: The United States' Population By Age Group, 1990-2020 ('000)
60
Table: The United States' Population By Age Group, 1990-2020 (% of total)
61
Table: The United States' Key Population Ratios, 1990-2020
62
Table: The United States' Rural And Urban Population, 1990-2020
62
Methodology
63
Industry Forecast Methodology
63
Sector-Specific Methodology
64
Risk/Reward Index Methodology
65
Table: Commercial Banking Risk/Reward Index Indicators
66
Table: Weighting Of Indicators
67

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

Key Benefits

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