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Published by: BCC Research
Published: Jun. 1, 2002 - 138 Pages
Table of Contents
Title
Introduction
Study Goals And Objectives
Reasons For Doing The Study
Contribution Of The Study And For Whom
Scope, Format, And Methodology
Information Sources
Related Bcc Publications
Reports
Monthly Newsletter
Bcc On-Line Services
Summary
Overview
Banking History
U.S. Early Banking System
Free Banking Act
National Bank And Federal Reserve Acts
Additional Legislation
The Glass-Steagall Act And The Banking Act
History Of International Banks
Bank Failures And Deregulation
Financial Services Modernization Act
Commercial Banking Industry Structure
Commercial Banks Versus Savings Banks
Commercial Banks By Type
Commercial Banking Industry Assets
Influence Of The Internet
Largest U.S. Commercial Banks
Commercial Banking Industry Trends
Seeking Additional Forms Of Revenue
Banking Liquidity Crisis
Noninterest Income To Rise
Online Banking Versus Branches
Internet Banking Households To Rise
Profits From Internet To Soar
Pc Home And Internet Banking To Increase
Internet Cash Management Offered By Banks
Surge In Spending On Electronic Bill Presentment
The History Of Electronic Bill Presentment
E-Payments
E-Payment Partnerships
Other Online Banking Capabilities
Online Applications
Online Account Access
Online Account Transfers
The Online Banking Business Model
Drawbacks
Netbank Profile
Security First Network Bank Profile
Online Cross-Selling
One Stop Shopping For Financial Services
Financial Advisors Guide Customers
Portal Offerings
Account Aggregation Use To Increase
Banks Account Aggregation Concerns
Aggregation As A Marketing Tool
Account Aggregation’s Technical Difficulties
Account Aggregation Security And Privacy Issues
Financial Portals And Account Aggregation
Online Product Aggregators
Categories Of Online Mortgage Aggregators
E-Loan Profile
Online Aggregator Partnerships
Other Online Mortgage Aggregators
Products
Mortgages
Commercial Banks Dominate Residential Loans
Retail Side Of Mortgage Origination Slipping
Housing Starts And Home Sales Steady
Online Mortgages To Rise
Online Auto Loans Increase
The Home Buyers Market
Mortgage Brokers
Commercial Bank Providers
Thrift Mortgage Providers
Credit Unions
Subservicing
Banks Realty Portfolios
Risks Of Mortgage Backed Securities
Insurance
Commercial Bank Percentage To Grow
Bank Distribution Of Insurance
Insurance Sales On Internet To Rise
Insurance Distribution
Determining What Types Of Insurance To Sell
Hiring Insurance Agents For Branches
Impersonal Channels And Indirect Marketing
Property/Casualty And Life/Health Competitors
Mutual Funds
Commercial Bank Share To Grow
Mutual Fund Market
Money Market Funds Increase
Bank Trust Channel Increase
Rise Of The Mutual Fund Marketplace
Expansion Of Mutual Fund Offerings For Banks
Leading Mutual Fund Competitors By Assets
Brokerage/Security Market
Bank Subsidiaries To Make Inroads
Online Brokerage Accounts Grow
Internet Brokerage Services
Bank Brokerage Firms Must Be Subsidiaries
Rise Of Securities Trading Markets
Online Brokers And Large Commissions Hinder Retail Brokerage Business
Online Brokerage Marketplace
Charles Schwab’s Mutual Fund Onesource
Non-Bank Competitors Enter Banking Business
Securites Marketplace
Credit Cards
Commercial Bank Share To Rise
Online Credit Card Lending To Increase
Top Bank Card Issuers
Credit Card Marketplace
Co-Branding Of Credit Cards
Credit Cards And Technology
Smart Cards
Smart Card Usage To Increase In The U.S.
Features Of American Express’ Blue Card
Adaptation In Europe To Smart Card Technology
Online Uses For Smart Cards
Smart Cards And Added Security
Smart Card Business To Business Uses
The Future Of Smart Cards
Effects Of Mergers
Mergersto Go Up; Charters Fall
Intrastate Mergers To Fall; Interstate Mergers To Rise
Cross-Industry Mergers
J.P. Morgan Chase & Co.
Citigroup
Morgan Stanley Dean Witter
Evaluation Of Various Mergers’ Success
Two Divergent Outcomes: Mellon Bank And Conseco, Inc.
Summit Bancorp: Another Merger Lesson
Benefits And Drawbacks Of Mergers
Transition The Key
Mergers: The End For Community Banks?
Customers Appreciate Local Banks
The Future Of Banking
Data Mining Has Leveled The Playing Field
Impact Of Technology
Wireless Usage: An International Phenomenon
Percentage
Playing Catch-Up
Wireless Services Must Be Made Easy
Wireless Can Boost Online Banking
Wireless Technology Not Cost Prohibitive
Mobile Internet: U.S./ International
Wireless Application Protocol
Wireless Joint Ventures And Alliances
Other Wireless Issues
Wireless Creates M-Commerce Opportunities
Information Technology (It)
Trends In Global Retail It Spending
Technology Increasing Economies Of Scale
Bank Joint Ventures To Share Technology Costs
Joint Venture’s Gone Wrong
Hope For Successful Bank Cooperation Remains Alive
Future Of Banking Joint Ventures
Other Technological Capabilities Impacting Banking Industry
New Delivery Systems
Insurance Database
Island Ecn
Biometrics
Telephone Technology
Third Generation Wireless (3gw)
Multimedia Broadband Delivery System
Xml
Bluetooth
Unified Messaging (Um)
Procurement Transformation
Point-Of-Sale Technology
Databases
Automated Billing
Automated Customer Service
Automated Bill Collection
Digital Ids
Voice Recognition
Other Fraud Fighting Technologies
Public Key Infrastructure (Pki)
E-Payment Glitches
International
Global Bank Leaders
Government Regulation
Attempting A Cure
Inflation Takes Its Toll
Commercial Ban Ends
Spurring The Banks
Regulations For Commercial Bank Product Sales
Securities
Insurance
The Financial Services Modernization Act
Community Bank Subsidiaries Can Provide
Company Profiles
Mellon Bank
Disciplined Divesture
Chase Manhattan Bank
Retail Opportunities Versus B2b Advantages
Chase’s Internet Council
First Data
First Data’s Challenges
First Data’s Growth
First Data’s Future
Online Credit Card Payments
Forming An Alliance
Intuit
History Of Intuit
Quicken: A Mortgage Aggregator
Appendix
Glossary Of Acronyms
List Of Tables
Summary Table: Commercial Banking Assets, Through 2006
1 Total Number Of Commercial Banks Versus Savings Banks, Through 2006
2 Total Assets Of Commercial Banks Versus Savings Banks, Through 2006
3 Number Of Commercial Banks By Bank Type/Size, Through 2006
4 Commercial Banking Assets By Bank Type/Size, Through 2006
5 Assets And Net Income Of Fdic Insured Commerical Banks, Through 2006
6 Commercial Banking Assets By Type, Through 2006
7 Influence Of Internet Technology On Commercial Bank Assets, Through 2006
8 10 Largest U.S. Commercial Banks By Asset Size, 2000
9 Trends In Internet Banking Households, Through 2006
10 Trends In E-Finance Penetration For Banks And Non-Banks:,Through 2006
11 Percentage Of Bank Profits From Internet Banking Households, 1996-2006
12 Current And Projected Trends In Pc Banking, 2001-2006
13 Trends In The Percentage Of Banks Offering Internet Cash Management, Through 2006
14 Regional Trends By Financial Institutions On Electronic Bill Presentment, Through 2006
15 Trends In Electronic Payment Volume, Through 2006
16 Trends In Financial Consumers Using Account Aggregation Services, Through 2006
17 Commercial Bank Value And Percentage Of Residential Loan Market, Through 2006
18 Top Mortgage Selling Banks Measured In Total Residential Loan Volume, 2000
19 Commercial Banks Lead Top Residential Lenders, Through 2006
20 Production Percentages Of Major Loan Channels, 1998-2006
21 Housing Starts And Home Sales Market, Through 2006
22 Growth Of Online Mortgages, Through 2006
23 Growth Of Online Auto Loans, Through 2006
24 Commercial Bank Value And Percentage Of Insurance Market, Through 2006
25 Trends In Net Influenced Insurance Sales Purchases, Through 2006
26 Leading Life/ Health Insurers Marketplace Competitors By Assets, 2000
27 Commercial Bank Value And Percentage Of Mutual Fund Market, Through 2006
28 Mutual Fund Assets And Total Number Of Funds, Through 2006
29 Mutual Fund Assets And Total Number Of Funds, 1997 To 2006
30 Retail Net Cash Flow To Money Market Funds, Through 2006
31 Shift In Sales Of Third - Party Fund Sales, 1990 - 2006
32 Leading Banks In Mutual Fund Asset Management, 2000
33 Leading Mutual Fund Competitors By Assets, 2000
34 Bank Value And Percentage Of Brokerage Market, Through 2006
35 Projected Growth Of Online Brokerage Accounts, Through 2006
36 Trends In Spending On Internet Brokerage Services, Through 2006
37 Leading Securites Dealers By Revenue, 2000
38 Bank And Non-Bank Market Share Of Credit Cards, 1996-2006
39 Growth Of Online Credit Card Lending, Through 2006
40 Top Bank Card Issuers By Accounts, 2000
41 Global Charge Volume For Visa, Mastercard, And American Express, Through 2006
42 Current And Projected Smart Card Utilization In The U.S., Through 2006
43 Trends In Mergers, New Charters And Failures In Commercial Banks, Through 2006
44 Trends In Bank Mergers, Through 2006
45 Trends In Spending By Region On Wireless Financial Services, Through 2006
46 Trends In Wireless Financial Service Usage By Geographic Region, Through 2006
47 Trends In The Percentage Of Top Financial Institutions In North America Offering Wireless Financial Services, 1999-2006
48 Industry Segment Breakdown Of Trends In Global Retail Financial Services Strategic It Spending, 2001 And 2006
49 Regional Breakdown Of Trends In Global Retail Financial Services Strategic It Spending, 2001 And 2006
50 World’s Top 10 Largest Banks By Assets, 2000
51 Top 10 Largest Foreign Banks In The U.S. By Assets, 2000
52 Top 10 Largest U.S. Bank Foreign Offices By Deposits, 2000
List Of Figures
Summary Figure: Commercial Banking Assets, 2001 And 2006
1 Assets And Net Income Of Fdic Insured Commerical Banks, 1997-2006
2 Trends In Internet Banking Households, 2001 And 2006
3 Trends In E-Finance Penetration For Banks And Non-Banks, 1998-2006
4 Percentage Of Bank Profits From Internet Banking Households, 1996-2006
5 Current And Projected Trends In Pc Banking, 2001-2006
6 Trends In The Percentage Of Banks Offering Internet Cash Management, 1998-2006
7 Regional Trends By Financial Institutions On Electronic Bill Presentment, 1999-2006
8 Trends In Electronic Payment Volume, 2001 And 2006
9 Trends In Financial Consumers Using Account Aggregation Services, 2001 And 2006
10 Commercial Bank Value Of Residential Loan Market, 2001 And 2006
11 Commercial Banks Lead Top Residential Lenders, 2001 And 2006
12 Production Percentages Of Major Loan Channels, 1998-2006
13 Housing Starts And Home Sales Market, 1999 To 2006
14 Growth Of Online Mortgages, 1997 To 2006
15 Growth Of Online Auto Loans, 1997-2006
16 Commercial Bank Value And Percentage Of Insurance Market, 2001 And 2006
17 Trends In Net Influenced Insurance Sales Purchases, 1998 And 2006
18 Leading Property/Casualty Insurers Marketplace Competitors By Assets, 2000
19 Commercial Bank Value And Percentage Of Mutual Fund Market, 2001 And 2006
20 Retail Net Cash Flow To Money Market Funds, 1996-2006
21 Shift In Sales Of Third - Party Fund Sales, 1990 - 2006
22 Bank Value Of Brokerage Market, Through 2006
23 Projected Growth Of Online Brokerage Accounts, 2000-2006
24 Trends In Spending On Internet Brokerage Services, 1998-2006
25 Bank And Non-Bank Market Share Of Credit Cards, 1996 - 2006
26 Growth Of Online Credit Card Lending, 1997-2006
27 Global Charge Volume For Visa, Mastercard, And American Express, 1995-2006
28 Current And Projected Smart Card Utilization In The U.S., 2000-2006
29 Trends In Mergers, New Charters And Failures In Commercial Banks, 1997-2006
30 Trends In Bank Mergers, 1997-2006
31 Trends In Spending By Region On Wireless Financial Services, 2000-2006
32 Trends In Wireless Financial Service Usage By Geographic Region, 2001 And 2006
33 Trends In The Percentage Of Top Financial Institutions In North America Offering Wireless Financial Services, 1999 - 2006
34 Industry Segment Breakdown Of Trends In Global Retail Financial Services Strategic It Spending, 2001 And 2006
35 Regional Breakdown Of Trends In Global Retail Financial Services Strategic It Spending, 2001 And 2006
AbstractThe commercial banking industry over the past few years has been revolutionized by deregulation and the rise of the Internet. The passage of financial modernization legislation by Congress in 1999 removed barriers, allowing banks to expand product offerings, while the potential of the Internet as a sales, marketing and delivery tool, widened the avenues to sell and deliver these products. The main products of the commercial banking industry-insurance, securities, mortgages, mutual funds and consumer credit-have all benefited from these changes. This report will examine the extent to which increased product sales have influenced overall bank assets and how commercial banks' increased market share in each of these products areas over the next five years will raise overall bank income and assets. Market forecasts are given for the period 1999 through 2006.
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