Despite the low interest rates that emerged as a result of the global financial crisis, the Commercial Banking industry has performed relatively well over the five years to 2016. Howecer, over this period, the overnight rate, which is strongly correlated with interest rates charged by commercial banks, is expected to decrease. In the coming years, projected increases in the overnight rate and improvements in corporate profit are anticipated to boost interest income from lending products. However, mounting regulation and capital requirements hold the potential to limit the flexibility of industry operators and make them less competitive on a global scale.
Operators in this industry provide financial services to retail and business clients in the form of commercial, industrial and consumer loans. Banks also accept deposits from customers, which are used as a source of funding for the loans. Banks in this industry include those that are regulated by the Office of the Superintendent of Financial Institutions.
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.