Commercial Banking in the US - Industry Market Research Report

Commercial Banking in the US - Industry Market Research Report

  • November 2020 •
  • 55 pages •
  • Report ID: 199021 •
  • Format: PDF
Secure assets: An expected improvement in the post-pandemic economy will aid industry revenue

Abstract

Commercial Banking in the US
The Commercial Banking industry is composed of banks regulated by the Office of the Comptroller of the Currency, the Federal Reserve Board and the Federal Deposit Insurance Corporation (FDIC). Industry revenue finally returned to growth in 2015 after declining in each year since 2008. Declining revenue in 2014 is attributable to the effect that the subprime mortgage crisis had on the banking market. Additionally, the Federal Reserve’s gradual process of interest rate normalization between 2015 and 2018 lead to eight increases of the federal funds rate. This helped interest rates economy-wide rise during the period. Over the five years to 2024, government regulation and technology-driven competition are forecast to change the business model that commercial banks use. During the five-year period, industry revenue will be less volatile than over the previous five years. In addition, too-big-to-fail banks will grow deposits at a faster rate than smaller savings institutions, whose reputations were severely damaged due to the significant number of bank failures that occurred during the economic downturn.

The Commercial Banking industry comprises banks that provide financial services to retail and business clients in the form of commercial, industrial and consumer loans. Banks accept deposits from customers, which are used as sources of funding for loans. Banks in this industry are regulated by the Office of the Comptroller of the Currency.

This report covers the scope, size, disposition and growth of the industry including the key sensitivities and success factors. Also included are five year industry forecasts, growth rates and an analysis of the industry key players and their market shares.
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