The banking industry has changed significantly since the 2008 financial crisis—transforming from high growth to stagnation. Banks that are claimed to be “too big to fail” are facing litigation that translates into huge costs affecting profitability. Most investment banks have either already announced or are scheduled to announce new business strategies or operating models that would make the organizations leaner and more productive and profitable. Several mergers, acquisitions, and spin-off transactions may take place through 2019 as a result of banks’ strategic initiatives to discard their noncore businesses while focusing on and developing core strengths. The industry’s widespread and unavoidable cost-saving measures have included adoption of more efficient technology that reduces turnaround time, conservative risk management practices, salary caps, and layoffs. Additional costs to comply with Basel III, the Dodd-Frank Act, and other regulations have affected capital base, return on equity, and other operating metrics. Customer centricity, digital convergence, increasing competition, revenue growth struggles, process integration, product innovation, defining new target segments, and changing business models are the real challenges facing the industry. The new banking landscape that meets these challenges will strike a balance between risk and profitability and be more stable, dependable, and sustainable.
This research provides an overall perspective of the US banking industry, including market statistics, business models, products and operating environment, financial strength analysis, and transaction and investment analysis.
About this report
This research service provides a holistic picture of the US banking industry, including market statistics, business models, products, and operating environment. It analyzes financial strength, as well as transactions and investments including mergers, private placements, and public offerings. The study period for financial analysis is from 2009 to 2013, while for transaction analysis it is from January 2007 to July 2014. The study includes a ranking of the top 100 companies based on Frost & Sullivan’s financial assessment methodology, which includes profitability management, cost management, capital management, solvency, and liquidity management.
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