The Top Ten Global Retail Banks

Positioning, Performance and SWOT Analyses

Publication Date	June 2008
Publisher	Business Insights
Product Type	Report
Pages	172
ISBN Number	not applicable
Product Code	RBI00245

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Summary

The Top Ten Global Retail Banks is a report published by Business Insights that examines market dynamics in the retail banking sector focusing on the top ten retail banks. This new report highlights the strengths and weaknesses of the top ten banks, analyzes the reasons behind the growth of their businesses and indicates any potential problems they could face in the short term. Through analysis and forecasts, this report provides insight into the direction of the retail banking market.

Assess the world's leading retail banks, anticipate future trends and enhance your competitive strategies with this new report.

This new report will provide you with

Strategic profiles of the ten largest global retail banks providing SWOT analyses, highlighting examples of best practice, analyzing the strategies driving their growth and indicating any potential problems they could face in the future
Analysis of the financial performance of the world's leading retail banks based on financial and operational performance by business segment from 2003-2007
Comparative analysis of the top ten retail banks in terms of revenue growth, revenue per branch operating margins, and geographical coverage
Snapshots of key retail banks outside the top 10 providing market shares, revenues, employees, business segments and detailing financial performance between 2003-2007

This report will enable you to

Create more effective competitive strategies based on the financial and SWOT analyses of the top ten global retail banks detailed in this report
Benchmark your performance against leading retail banks with this report's ranking of the top ten retail banks, their financial performance and market share by company and category
Identify and target future growth areas from this report's analysis of the acquisitions and divestments made by leading retail banks and their strategies for growth
Understand the key issues in the retail banking sector and the impact that they are expected to have on the market using this report's assessment of the subprime crisis, US credit card debt, cross-border consolidation and rising interest rates
Save time, money and resources on researching the performance and best practice strategies of the key players in global retail banking using this report

Content

The Top Ten Global Retail Banks
Executive Summary
- Market development
- Citigroup
- Bank of America
- HSBC
- JP Morgan Chase
- Royal Bank of Scotland
- Banco Santander
- Wells Fargo
- BNP Paribas
- Wachovia
- Socit Gnrale
Chapter 1 Introduction
- What is this report about?
- Methodology
Chapter 2 Market development
- Summary
- Introduction
- Market size
- Positioning and performance of top ten companies
- Key trends in the retail banking market
- Credit crisis
- Increasing direct and online banking
- Cross-border banking consolidation continues
- Summary of trends
Chapter 3 Citigroup
- Summary
- History
- Business segments
- Recent financial performance
- Performance by business segments
- Acquisitions and divestments
- Growth strategies
- Restructuring of the US residential mortgage business
- International expansion
- Innovative card products
- SWOT analysis
- Strengths
- Strong market position
- Strong growth in international consumer business
- Weaknesses
- Declining capital adequacy ratio
- Opportunities
- Growing US credit card market
- Growing global banking industry
- Threats
- Weak mortgage market in the US
Chapter 4 Bank of America
- Summary
- History
- Business segments
- Recent financial performance
- Performance by business segments
- Acquisitions and divestments
- Growth strategies
- Innovative products
- Targeting the Hispanic population
- SWOT analysis
- Strengths
- Strong market position
- Strong balance sheet
- Weaknesses
- Declining net interest margin
- Opportunities
- Acquisition of Countrywide Financial Corporation
- Threats
- Subprime crisis
Chapter 5 HSBC
- Summary
- History
- Business segments
- Recent financial performance
- Performance by business segments
- Acquisitions and divestments
- Growth strategies
- Expansion in high growth economies
- Focus on HSBC Premier
- Restructuring retail operations in the US
- SWOT analysis
- Strengths
- Strong presence in emerging markets
- Strong focus on cards
- Weaknesses
- Weak performance of Personal Financial Services
- Opportunities
- HSBC Direct
- HSBC Rural Bank in China
- Threats
- Rising defaults in the US subprime mortgage market
Chapter 6 JP Morgan Chase
- Summary
- History
- Business segments
- Recent financial performance
- Performance by business segments
- Acquisitions and divestments
- Growth strategies
- Strengthening retail network
- Focused on technology conversion
- SWOT analysis
- Strengths
- Strong retail distribution
- Leading credit cards issuer in the US
- Weaknesses
- Poor financial performance of Retail Financial Services
- Opportunities
- ChaseHealthAdvance financing
- Threats
- US credit card debt
Chapter 7 Royal Bank of Scotland
- Summary
- History
- Business segments
- Recent financial performance
- Performance by business segments
- Acquisitions and divestments
- Growth strategies
- Multiple brand retail strategy
- SWOT analysis
- Strengths
- Leading provider of financial services in the UK
- Strong presence in Asia Pacific
- Weaknesses
- Falling liquidity
- Opportunities
- Growing wealth management market
- Expanding footprint in Ireland
- Threats
- Slowdown in the economic and monetary environment
Chapter 8 Banco Santander
- Summary
- History
- Business segments
- Recent financial performance
- Performance by business segments
- Acquisitions and divestments
- Growth strategies
- Expansion in Latin America
- Strengthening consumer finance
- SWOT analysis
- Strengths
- Robust operational performance
- Strong market position in Latin America
- Weaknesses
- Negligible presence in Asia
- Opportunities
- Launch of euribor + 0.25
- Threats
- Interest rates hike
Chapter 9 Wells Fargo
- Summary
- History
- Business segments
- Recent financial performance
- Performance by business segments
- Acquisitions and divestments
- Growth strategies
- Cross sell strategy
- Inorganic growth
- SWOT analysis
- Strengths
- Strong distribution network
- Credit rating
- Weaknesses
- High exposure to real estate
- Opportunities
- Launch of Mobile Text Banking Service
- Threats
- Rise in phishing
Chapter 10 BNP Paribas
- Summary
- History
- Business segments
- Recent financial performance
- Performance by business segments
- Acquisitions and divestments
- Growth strategies
- Reorganizing business activities in Europe
- Focusing on retail banking operations in Russia
- SWOT analysis
- Strengths
- Growing IRFS business
- Weaknesses
- Weak Tier 1 ratio
- Opportunities
- Developing Italy as second domestic market
- Threats
- Weak anti-fraud controls
Chapter 11 Wachovia
- Summary
- History
- Business segments
- Recent financial performance
- Performance by business segments
- Acquisitions and divestments
- Growth strategies
- Inorganic growth
- SWOT analysis
- Strengths
- Strong general banking segment
- Weaknesses
- Geographically concentrated operations
- Litigation
- Opportunities
- Launch of PatientPOS
- Threats
- Consolidation of global banking
Chapter 12 Socit Gnrale
- Summary
- History
- Business segments
- Recent financial performance
- Performance by business segments
- Acquisitions and divestments
- Growth strategies
- Balanced business mix
- Expansion of Financial Services operations
- SWOT analysis
- Strengths
- Strong French retail network
- Weaknesses
- Lower solvency ratio
- Opportunities
- Acquisition of majority stake in Rosbank
- Opportunities in Brazil, Argentina and Mexico
- Threats
- Bank trading frauds
Chapter 13 11 to 20 Companies
- Barclays
  - Business segments
  - Recent financial performance
- Crdit Agricole
  - Business segments
  - Recent financial performance
- Lloyds TSB
  - Business segments
  - Recent financial performance
- UniCredit
  - Business segments
  - Recent financial performance
- Washington Mutual
  - Business segments
  - Recent financial performance
- Bank of China
  - Business segments
  - Recent financial performance
- HBOS
  - Business segments
  - Recent financial performance
- Rabobank
  - Business segments
  - Recent financial performance
- Industrial and Commercial Bank of China
  - Business segments
  - Recent financial performance
- Mitsubishi UFJ Financial
  - Business segments
  - Recent financial performance
Chapter 14 Appendix
- Glossary
- Index
List of Figures
- Figure 2.1: Top ten banks market share, 2007
- Figure 2.2: Market positioning of top ten banks, 2007
- Figure 2.3: Comparative analysis of top ten retail banks
- Figure 3.4: Citigroup retail banking financial performance, 20032007
- Figure 3.5: Citigroup SWOT analysis
- Figure 4.6: Bank of America retail banking financial performance, 20032007
- Figure 4.7: Bank of America SWOT analysis
- Figure 5.8: HSBC retail banking financial performance, 2003-2007
- Figure 5.9: HSBC SWOT analysis
- Figure 6.10: JP Morgan Chase retail banking financial performance, 20032007
- Figure 6.11: JP Morgan Chase SWOT analysis
- Figure 7.12: Royal Bank of Scotland retail banking financial performance, 2004-2007
- Figure 7.13: Royal Bank of Scotland SWOT analysis
- Figure 8.14: Banco Santander retail banking financial performance, 20032007
- Figure 8.15: Banco Santander SWOT analysis
- Figure 9.16: Wells Fargo retail banking financial performance, 20032007
- Figure 9.17: Wells Fargo SWOT analysis
- Figure 10.18: BNP Paribas retail banking financial performance, 20032007
- Figure 10.19: BNP Paribas SWOT analysis
- Figure 11.20: Wachovia retail banking financial performance, 20032007
- Figure 11.21: Wachovia SWOT analysis
- Figure 12.22: Socit Gnrale retail banking financial performance, 20032007
- Figure 12.23: Socit Gnrale SWOT analysis
List of Tables
- Table 2.1: Top ten banks growth & profitability
- Table 3.2: Citigroup snapshot
- Table 3.3: Citigroup key milestones
- Table 3.4: Citigroup retail banking financial performance, 20032007
- Table 3.5: Citigroup business segment performance, 2007
- Table 4.6: Bank of America snapshot
- Table 4.7: Bank of America key milestones
- Table 4.8: Bank of America retail banking financial performance, 20032007
- Table 4.9: Bank of America business segment performance, 2007
- Table 5.10: HSBC snapshot
- Table 5.11: HSBC key milestones
- Table 5.12: HSBC retail banking financial performance, 20032007
- Table 5.13: HSBC business segment performance, 2007
- Table 6.14: JP Morgan Chase snapshot
- Table 6.15: JP Morgan Chase key milestones
- Table 6.16: JP Morgan Chase retail banking financial performance, 20032007
- Table 6.17: JP Morgan Chase business segment performance, 2007
- Table 7.18: Royal Bank of Scotland snapshot
- Table 7.19: Royal Bank of Scotland key milestones
- Table 7.20: Royal Bank of Scotland retail banking financial performance, 2004-2007
- Table 7.21: Royal Bank of Scotland business segment performance, 2007
- Table 8.22: Banco Santander snapshot
- Table 8.23: Banco Santander key milestones
- Table 8.24: Banco Santander retail banking financial performance, 20032007
- Table 8.25: Banco Santander business segment performance, 2007
- Table 9.26: Wells Fargo snapshot
- Table 9.27: Wells Fargo key milestones
- Table 9.28: Wells Fargo retail banking financial performance, 20032007
- Table 9.29: Wells Fargo business segment performance, 2007
- Table 10.30: BNP Paribas snapshot
- Table 10.31: BNP Paribas key milestones
- Table 10.32: BNP Paribas retail banking financial performance, 20032007
- Table 10.33: BNP Paribas business segment performance, 2007
- Table 11.34: Wachovia snapshot
- Table 11.35: Wachovia key milestones
- Table 11.36: Wachovia retail banking financial performance, 20032007
- Table 11.37: Wachovia business segment performance, 2007
- Table 12.38: Socit Gnrale snapshot
- Table 12.39: Socit Gnrale key milestones
- Table 12.40: Socit Gnrale retail banking financial performance, 20032007
- Table 12.41: Socit Gnrale business segment performance, 2007
- Table 13.42: Barclays snapshot
- Table 13.43: Barclays retail banking financial performance, 20032007
- Table 13.44: Crdit Agricole snapshot
- Table 13.45: Crdit Agricole retail banking financial performance, 20032007
- Table 13.46: Lloyds TSB snapshot
- Table 13.47: Lloyds TSB retail banking financial performance, 20032007
- Table 13.48: UniCredit snapshot
- Table 13.49: UniCredit retail banking financial performance, 20032007
- Table 13.50: Washington Mutual snapshot
- Table 13.51: Washington Mutual retail banking financial performance, 20032007
- Table 13.52: Bank of China snapshot
- Table 13.53: Bank of China retail banking financial performance, 20052007
- Table 13.54: HBOS Group snapshot
- Table 13.55: HBOS retail banking financial performance, 20032007
- Table 13.56: Rabobank snapshot
- Table 13.57: Rabobank retail banking financial performance, 20032007
- Table 13.58: Industrial and Commercial Bank of China snapshot
- Table 13.59: Industrial and Commercial Bank of China retail banking financial performance, 2005
2007
- Table 13.60: Mitsubishi UFJ snapshot
- Table 13.61: Mitsubishi UFJ retail banking financial performance, 20032007