Business Monitor International


United States Commercial Banking Report

Published 20 August 2014

  • 71 pages
 
$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
June 2013, USDbn 13,516.1 10,023.0 482.8 3,010.4 13,516.1 1,489.8 9,385.1 2,641.2
June 2014, USDbn 14,662.3 10,464.5 548.5 3,649.4 14,662.3 1,559.2 10,113.2 2,990.0
% change y-o-y 8.5% 4.4% 13.6% 21.2% 8.5% 4.7% 7.8% 13.2%
June 2013, USDbn 13,516.1 10,023.0 482.8 3,010.4 13,516.1 1,489.8 9,385.1 2,641.2
June 2014, USDbn 14,662.3 10,464.5 548.5 3,649.4 14,662.3 1,559.2 10,113.2 2,990.0
% change y-o-y 8.5% 4.4% 13.6% 21.2% 8.5% 4.7% 7.8% 13.2%
Source: BMI; Central banks; Regulators
Commercial Banking Sector Key Ratios, June 2014
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio GDP Per Capita, USD Deposits per capita, USD
103.47% 71.37% 60.94% 52,490.7 31,474.2
Rising Falling Rising n.a. n.a.
na = not available/applicable. Source: BMI; Central banks; Regulators 
Annual Growth Rate Projections 2013-2018 (%)
  Assets Loans Deposits
Annual Growth Rate 5 5 5
CAGR 6 6 5
Ranking 48 47 55
Source: BMI; Central banks; Regulators
Ranking Out Of 73 Countries Reviewed In 2014
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio
19 7 39
Local currency asset growth Local currency loan growth Local currency deposit growth
40 35 38
Source: BMI; Central banks; Regulators 
Commercial Banking Sector Indicators, 2011-2018
  2011 2012 2013 2014f 2015f 2016f 2017f 2018f
Total assets, USDbn 12,575.5 13,142.7 13,991.0 14,970.4 15,793.7 16,662.4 17,495.5 18,370.3
Total assets, USDbn 12,575.5 ...

Table of Contents

BMI Industry View
7
Table: Commercial Banking Sector Indicators
7
Table: Commercial Banking Sector Key Ratios, March 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: UNITED STATES - BANKING SECTOR CLIENT LOANS
20
Industry Risk Reward Ratings
22
Developed States Commercial Banking Risk/Reward Ratings
22
Table: Developed States Commercial Banking Risk/Reward Ratings
23
Market Overview
24
Developed States Commercial Banking Outlook
24
Table: Banks' Bond Portfolios, 2013
24
Table: Comparison of Loan/Deposit & Loan/Asset & Loan/GDP ratios, 2014
25
Table: Comparison of Total Assets & Client Loans & Client Deposits (USDbn)
25
Table: Comparison of USD Per Capita Deposits, 2014
26
Economic Analysis
26
Table: UNITED STATES - GDP BY EXPENDITURE
33
Competitive Landscape
35
Market Structure
35
Protagonists
35
Table: Protagonists In The US Commercial Banking Sector
35
Definition Of The Commercial Banking Universe
36
List Of Banks
36
Table: Top 50 Bank Holding Companies In Terms Of Total Domestic Deposits
36
Company Profile
38
Bank of America
38
Table: Stock Market Indicators
40
Table: Balance Sheet (USDmn)
40
Table: Key Ratios (%)
41
BB&T Corporation
42
Table: Stock Market Indicators
43
Table: Balance Sheet (USDmn)
44
Table: Key Ratios (%)
44
Citigroup
45
Table: Stock Market Indicators
47
Table: Balance Sheet (USDmn)
47
Table: Key Ratios (%)
47
JPMorgan Chase
48
Table: Stock Market Indicators
50
Table: Balance Sheet (USDmn)
51
Table: Key Ratios (%)
51
US Bancorp
52
Table: Stock Market Indicators
54
Table: Balance Sheet (USDmn)
54
Table: Key Ratios (%)
55
Wells Fargo
56
Table: Stock Market Indicators
58
Table: Balance Sheet (USDmn)
58
Table: Key Ratios (%)
59
Global Industry Overview
60
Global Commercial Banking Outlook
60
Regional Outlooks
60
Demographic Forecast
67
Table: The United States' Population By Age Group, 1990-2020 ('000)
68
Table: The United States' Population By Age Group, 1990-2020 (% of total)
69
Table: The United States' Key Population Ratios, 1990-2020
70
Table: The United States' 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 United States 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 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

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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