United States 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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United States Commercial Banking Report
Product Price
$1,295.00
Commercial Banking Sector Indicators
February 2015, USDbn 15,254.8 11,033.2 663.4 3,558.2 15,254.8 1,640.5 10,629.3 2,985.1
Source: BMI; Central banks; Regulators
February 2016, USDbn 15,739.2 11,835.2 686.6 3,217.3 15,739.2 0.0 11,030.6 4,708.5
% change y-o-y 3.2% 7.3% 3.5% -9.6% 3.2% -100.0% 3.8% 57.7%
February 2015, USDbn 15,254.8 11,033.2 663.4 3,558.2 15,254.8 1,640.5 10,629.3 2,985.1
Commercial Banking Sector Key Ratios, February 2016
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
107.29% 75.20% 65.4% 54,132.2 34,239.1
Rising Rising Rising na na
Annual Growth Rate Projections 2015-2020 (%)
Assets Loans Deposits
Source: BMI; Central banks; Regulators
Annual Growth Rate 4 4 5
CAGR 5 5 5
Ranking 52 54 52
Ranking Out Of 75 Countries Reviewed In 2016
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio
Source: BMI; Central banks; Regulators
15 2 38
Local currency asset growth Local currency loan growth Local currency deposit growth
50 55 42
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, USDbn 14,052 15,055 15,562 16,185 17,156 18,014 18,914 19,734
Client loans, USDbn 10,162 10,918 11,742 12,095 12,820 13,461 14,134 14,747
Client deposits, USDbn 9,885 10,550 11,008 11,559 12,137 12,744 13,381 14,050
BMI Industry View
7
Table: Commercial Banking Sector Indicators
7
Table: Commercial Banking Sector Key Ratios, February 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
12
Operational Risk
13
Industry Forecast
14
Commercial Banking Risk/Reward Index
19
Developed States Commercial Banking Risk/Reward Index
19
Table: Developed States Commercial Banking Risk/Reward Index
20
Market Overview
21
Developed States Commercial Banking Outlook
21
Table: Banks' Bond Portfolios, 2014
21
Table: Comparison of Loan/Deposit & Loan/Asset & Loan/GDP Ratios, 2016
21
Table: Comparison of Total Assets & Client Loans & Client Deposits (USDbn)
22
Table: Comparison of USD Per Capita Deposits, 2016
23
Economic Analysis
24
Competitive Landscape
27
Market Structure
27
Protagonists
27
Table: Protagonists In The US Commercial Banking Sector
27
Definition Of The Commercial Banking Universe
28
List Of Banks
28
Table: Top 50 Bank Holding Companies In Terms Of Total Domestic Deposits
28
Company Profile
30
Bank of America
30
Table: Stock Market Indicators
33
Table: Balance Sheet (USDmn)
33
Table: Key Ratios (%)
33
Citigroup
34
Table: Stock Market Indicators
36
Table: Balance Sheet (USDmn)
36
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)
45
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
Industry Forecast
50
The Reserves Penalty
50
Mixed Results So Far
53
Not Far Enough, Or Too Far Already-
58
In The End, Negative Rates Unlikely To Become Much More Prevalent
59
Table: Negative Interest Rates - Summary
61
Demographic Forecast
62
Table: Population Headline Indicators (United States 1990-2025)
63
Table: Key Population Ratios (United States 1990-2025)
63
Table: Urban/Rural Population & Life Expectancy (United States 1990-2025)
64
Table: Population By Age Group (United States 1990-2025)
64
Table: Population By Age Group % (United States 1990-2025)
65
Methodology
67
Industry Forecast Methodology
67
Sector-Specific Methodology
68
Risk/Reward Index Methodology
69
Table: Commercial Banking Risk/Reward Index Indicators
70
Table: Weighting Of Indicators
71

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.