Business Monitor International


Brazil Commercial Banking Report

Published 06 May 2014

  • 71 pages
 
$1,295.00
Brazil Commercial Banking Report
Commercial Banking Sector Indicators 
Date Total assets Client loans Bond portfolio Other Liabilities and capital Capital Client deposits Other
April 2013, BRLbn 5,458.3 3,120.4 1,669.2 668.7 5,458.3 770.5 3,524.1 1,163.7
April 2014, BRLbn 5,926.9 3,523.5 1,651.3 752.1 5,926.9 833.2 3,813.5 1,280.2
% change y-o-y 8.6% 12.9% -1.1% 12.5% 8.6% 8.1% 8.2% 10.0%
April 2013, USDbn 2,727.0 1,558.9 833.9 334.1 2,727.0 385.0 1,760.6 581.4
April 2014, USDbn 2,655.3 1,578.6 739.8 336.9 2,655.3 373.3 1,708.5 573.5
% change y-o-y -2.6% 1.3% -11.3% 0.9% -2.6% -3.0% -3.0% -1.3%
Source: BMI, Central banks, Regulators 
Commercial Banking Sector Key Ratios, April 2014
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio GDP Per Capita, USD Deposits per capita, USD
92.40% 59.45% 70.72% 11,201.9 8,503.4
Rising Rising Rising n.a. n.a.
Source: BMI, Central banks, Regulators 
Annual Growth Rate Projections 2013-2018 (%) 
  Assets Loans Deposits
Annual Growth Rate 12 12 13
CAGR 12 12 12
Ranking 24 25 22
Source: BMI, Central banks, Regulators
Ranking Out Of 73 Countries Reviewed In 2014
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio
29 33 32
Local currency asset growth Local currency loan growth Local currency deposit growth
22 16 23
Source: BMI, Central banks, Regulators 
Commercial Banking Sector Indicators, 2011-2018 
  2011 2012 2013 2014f 2015f 2016f 2017f 2018f
Total assets, BRLbn 4,601.7 5,277.1 5,779.3 6,444.0 7,249.5 8,155.6 9,134.3 10,230.4
Total assets, USDbn 2,469.6 2,571.8 2,446.7 2,685.0 2,899.8 3,198.3...

Table of Contents

BMI Industry View
7
Table: Commercial Banking Sector Indicators
7
Table: Commercial Banking Sector Key Ratios, February 2014
7
Table: Annual Growth Rate Projections 2013-2018 (%)
7
Table: Ranking Out Of 72 Countries Reviewed In 2014
8
Table: Commercial Banking Sector Indicators, 2011-2018
8
SWOT
9
Commercial Banking
9
Political
10
Economic
11
Business Environment
12
Industry Forecast
13
Table: Brazil - Banking Sector Overview
20
Industry Risk Reward Ratings
21
Latin America Commercial Banking Risk/Reward Ratings
21
Table: Latin America Commercial Banking Risk/Reward Ratings
22
Market Overview
23
Latin America Commercial Banking Outlook
23
Table: Banks' Bond Portfolios, 2013
23
Table: Comparison of Loan/Deposit & Loan/Asset & Loan/GDP ratios, 2014
23
Table: Comparison of Total Assets & Client Loans & Client Deposits (USDbn)
24
Table: Comparison of USD Per Capita Deposits, 2014
24
Economic Analysis
25
Table: Brazil - Economic Activity
30
Competitive Landscape
31
Market Structure
31
Protagonists
31
Table: Protagonists In Brazil's Commercial Banking Sector
31
Definition Of The Commercial Banking Universe
31
List of Banks
32
Table: 50 Largest Banks In Brazil
32
Company Profile
34
Banco do Brasil
34
Table: Stock Market Indicators
35
Table: Balance Sheet (BRLmn)
36
Table: Balance Sheet (USDmn)
36
Table: Key Ratios (%)
36
Banco Safra
37
Table: Balance Sheet (BRLmn)
38
Table: Balance Sheet (USDmn)
38
Table: Key Ratios (%)
38
Bradesco
39
Table: Stock Market Indicators
40
Table: Balance Sheet (BRLmn)
41
Table: Balance Sheet (USDmn)
41
Table: Key Ratios (%)
41
Caixa Economica Federal
42
Table: Balance Sheet (BRLmn)
44
Table: Balance Sheet (USDmn)
44
Table: Key Ratios (%)
44
Citibank
45
HSBC
46
Table: Balance Sheet (BRLmn)
47
Table: Balance Sheet (USDmn)
48
Table: Key Ratios (%)
48
Santander
49
Table: Stock Market Indicators
51
Table: Balance Sheet (BRLmn)
51
Table: Balance Sheet (USDmn)
51
Table: Key Ratios (%)
52
Regional Overview
53
Latin America Overview
53
Global Industry Overview
60
Global Commercial Banking Outlook
60
Regional Outlooks
60
Demographic Forecast
67
Table: Brazil's Population By Age Group, 1990-2020 ('000)
68
Table: Brazil's Population By Age Group, 1990-2020 (% of total)
69
Table: Brazil's Key Population Ratios, 1990-2020
70
Table: Brazil's Rural And Urban Population, 1990-2020
70
Methodology
71
Industry Forecast Methodology
71
Sector Specific Methodology
72
Risk/Reward Ratings Methodology
73
Sector Specific Methodology
74
Table: Commercial Banking Risk/Reward Rating Indicators
74
Weighting
75
Table: Weighting Of Indicators
75

The Brazil Commercial Banking Report has been researched at source and features Business Monitor International (BMI)'s independent assessment and forecasts for the commercial banking sector in Brazil. 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 Brazil 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 Brazil.

Key Benefits

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

Executive Summary

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 US$.

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.

Business Environment Ratings

BMI's Commercial Banking Business Environment Ratings provide a country-comparative Risk-Reward Ratings index aimed at investors and participants in the regional commercial banking market.

The ratings methodology makes sophisticated use of over 40 industry, economic and demographic data points and is part of BMI's integrated Country Risk-Industry Ratings products.

Global, Regional and Country Industry

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-2017 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 (Strengths, Weaknesses, Opportunities and Threats) 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.

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