United States Commercial Banking Report

Published 06 August 2015

  • 67 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
June 2014, USDbn 14,648.2 10,479.8 549.3 3,619.1 14,648.2 1,559.2 10,127.7 2,961.3
June 2015, USDbn 15,308.8 11,285.2 658.6 3,365.1 15,308.8 1,683.3 10,700.5 2,925.0
% change y-o-y 4.5% 7.7% 19.9% -7.0% 4.5% 8.0% 5.7% -1.2%
Commercial Banking Sector Key Ratios, June 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
105.46% 73.72% 63.44% 53,573.7 33,041.1
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
20 7 33
Local currency asset growth Local currency loan growth Local currency deposit growth
41 37 43
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 13,151.0 14,039.2 15,048.8 16,026.9 17,068.7 18,092.8 18,997.5 19,947.3
Client loans, USDbn 10,017.2 10,148.6 10,905.8 11,723.7 12,485.8 13,234.9 13,896.7 14,591.5
Client deposits, USDbn 9,335.5 9,885.1 10,550.5 11,183.5 11,742.7 12,329.8 12,946.3 13,593.6
BMI Industry View
7
Table: Commercial Banking Sector Indicators
7
Table: Commercial Banking Sector Key Ratios, June 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
13
Table: US - Banking Sector Risk Snapshot
13
Industry Risk Reward Ratings
18
Developed States Commercial Banking Risk/Reward Index
18
Table: Developed States Commercial Banking Risk/Reward Index
19
Market Overview
20
Developed States Commercial Banking Outlook
20
Table: Banks' Bond Portfolios, 2013
20
Table: Comparison of Loan/Deposit & Loan/Asset & Loan/GDP Ratios, 2015
20
Table: Comparison of Total Assets & Client Loans & Client Deposits (USDbn)
21
Table: Comparison of USD Per Capita Deposits, 2015
22
Economic Analysis
23
Table: US - Key Economic Indicators
23
Table: US - Private Consumption Forecasts
25
Table: US - Private Investment Forecasts
25
Table: US - Government Consumption And Investment Forecasts
27
Table: US - Net Exports Forecasts
28
Competitive Landscape
29
Market Structure
29
Protagonists
29
Table: Protagonists In The US Commercial Banking Sector
29
Definition Of The Commercial Banking Universe
30
List Of Banks
30
Table: Top 50 Bank Holding Companies In Terms Of Total Domestic Deposits
30
Company Profile
32
Bank of America
32
Table: Stock Market Indicators
35
Table: Balance Sheet (USDmn)
35
Table: Key Ratios (%)
35
Citigroup
36
Table: Stock Market Indicators
39
Table: Balance Sheet (USDmn)
39
Table: Key Ratios (%)
39
JPMorgan Chase
40
Table: Stock Market Indicators
43
Table: Balance Sheet (USDmn)
43
Table: Key Ratios (%)
43
US Bancorp
44
Table: Stock Market Indicators
47
Table: Balance Sheet (USDmn)
47
Table: Key Ratios (%)
47
Wells Fargo
48
Table: Stock Market Indicators
50
Table: Balance Sheet (USDmn)
50
Table: Key Ratios (%)
51
Global Industry Overview
52
Global Commercial Banking Outlook
52
Demographic Forecast
58
Table: Population Headline Indicators (United States 1990-2025)
59
Table: Key Population Ratios (United States 1990-2025)
59
Table: Urban/Rural Population & Life Expectancy (United States 1990-2025)
60
Table: Population By Age Group (United States 1990-2025)
60
Table: Population By Age Group % (United States 1990-2025)
61
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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