Commercial Banking: market research reports

Though commercial banks provide a variety of services; the primary activities of a commercial bank are receiving deposits and issuing commercial and industrial loans. There are several types of loans which may commonly be offered by commercial banks. Secured loans which require the borrower to provide collateral and mortgage loans are often common in commercial banking. Also, many commercial banks may use the deposits from customers to grant commercial and industrial loans at a higher interest rate.

Commercial banks may also provide services to consumers as well as businesses as business and individual clients may require many of the same services though on a different scale. Because of this commercial banks have a variety of drivers which affect the industry.

The commercial banking industry has experienced a great deal of ups and downs in the past five years as the industry and the economy has changed. Factors such as employment rates, interest rates and overall consumer confidence have played a major role in the success or lack of, in the commercial banking industry.