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Commercial Banking in the US - Industry Market Research Report

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  • 51 Pages
  • July 2022
  • Region: United States
  • IBISWorld
  • ID: 16866

Making a loan: Overall improvement in economic activity will likely stimulate demand for loans

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.

Table of Contents

About this Industry

  • Industry Definition
  • Main Activities
  • Similar Industries
  • Additional Resources

Industry at a Glance

Industry Performance

  • Executive Summary
  • Key External Drivers
  • Current Performance
  • Industry Outlook
  • Industry Life Cycle

Products & Markets

  • Supply Chain
  • Products & Services
  • Demand Determinants
  • Major Markets
  • International Trade
  • Business Locations

Competitive Landscape

  • Market Share Concentration
  • Key Success Factors
  • Cost Structure Benchmarks
  • Basis of Competition
  • Barriers to Entry
  • Industry Globalization

Major Companies

Operating Conditions

  • Capital Intensity
  • Technology & Systems
  • Revenue Volatility
  • Regulation & Policy
  • Industry Assistance

Key Statistics

  • Industry Data
  • Annual Change
  • Key Ratios

Jargon & Glossary

Companies Mentioned

A selection of companies mentioned in this report includes:

  • Jpmorgan Chase & Co
  • Wells Fargo & Company
  • Bank Of America Corporation
  • Truist Financial Corporation
  • Citigroup inc.
  • Huntington Bancshares Incorporated
  • Loomis AB
  • Citizens Financial Group, Inc.
  • Fifth Third Bank
  • Deutsche Bank Ag
  • Fnb Corp
  • BMO Harris Bank NA