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Global Commercial Banking Market Report

 

Commercial banks are divisions of banks that provide banking services to businesses ranging from small companies to large corporations. They offer many of the same services offered in retail banking, such as current (checking) accounts and other deposit or special interest accounts, with the facility to transfer money between accounts. They also provide services for the payment of regular bills through standing orders or direct debits and offer loans based on various types and levels of security.

 

These institutions also provide insurance services and foreign exchange services to their business clients.

 

The Industrial & Commercial Bank of China Limited, JPMorgan Chase & Co., BNP Paribas SA and HSBC Holdings are some of the prominent players in commercial banking across the globe.

 

Key Segments

 

Commercial banks can be segmented according to ownership into state-owned and privately- owned banks and by geographic presence.

 

Banks where the major stake is held by the government include the National Bank of Australia, the State Bank of India and all of the major Chinese banks. Privately owned banks are the major competitors in the US and European commercial banking market; Wells Fargo, Bank of America and Barclays are some of the big players operating in this segment.

 

Most banks are focused mainly on their domestic market, but some have global operations; these include Hong Kong and Shanghai Banking Corporation (HSBC), Citibank, ING Group and Standard & Chartered Bank. This is particularly important to larger companies with an international presence which need global commercial banking support.

 

 

Regional Market Shares

 

The key geographies for commercial banking include China, Europe & the USA.

 

China has some of the largest banks in the world. The Industrial and Commercial Bank of China, the China Construction Bank, the Agricultural Bank of China and the Bank of China together have most of the Chinese market. The Chinese government exerts strong influence in the banking sector, which continues to develop commercially and globally.

 

Europe is another major region for the business banking industry, where Germany, the UK, France and Italy are some of the largest markets. 80% of European businesses meet their capital requirements through bank financed debt, unlike in the USA where 85% of business capital is funded through equity. The largest commercial banking groups operating in Europe include Barclays, ING Group, HSBC and Deutsche Bank. Development in this region is now moving to expand the Eastern Europe banking sector, particularly in countries like Poland, where a thriving economy  and rising credit demand create a favorable destination for banking sector investment.

 

The US banking industry is concentrated: the top five players. JPMorgan Chase, Bank of America, Wells Fargo, Citigroup and US Bancorp together hold around $7 trillion in assets of the total $15 trillion held by US banks.

 

 

Market Outlook

 

Banks are investing in data analytics in order to reap the value of the data they possess about customers’ banking, purchasing and investing habits. Anti-money laundering analytics, for example, are helping banks to stay ahead of fraudsters. Marketing analytics can help banks segment, target, acquire and retain commercial customers.

 

The rapid growth of digital channels is a significant recent trend in the banking sector.  Growing access to the internet and the proliferation of mobile phones is fuelling the trend. Banks are now pursuing campaigns to include more digital marketing. According to the European Financial Marketing Association and Wipro’s Global Retail Digital Marketing analysis, about 90% of banks expect online/mobile to be the primary channel for transactions in the near future. To capitalize on this growing trend banks such as Canadian Imperial Bank of Commerce (CIBC) have started to offer its business customers an edeposit facility for cheques, allowing them to scan, upload and deposit multiple cheques in a single transaction, using a desktop cheque scanner and CIBC’s online deposit application.

 

Another major shift in the banking space is the increasing preference of businesses for partnering with banks that have a global footprint. Doing business overseas is complex and challenging and so associating with a bank with global resources is becoming imperative for the global business world. This trend is likely to encourage more banks to adopt a “follow your customer” strategy.

 

Business lending by US banks is rapidly increasing as prevailing low interest rates are encouraging businesses to tap into available credit lines. According to Federal Deposit Insurance Corp. estimates, commercial and industrial loans account for over 20% of outstanding loan balances at US banks.

 

The growth of emerging economies provides opportunities for the top banks in developed nations to increase their scale of operations beyond their domestic presence.  According to the International Monetary Fund, emerging and developed markets each account for half of the world’s GDP currently but in the future a reverse trend is expected, with the emerging markets contributing more to global GDP.  

 

Business lending by US banks is rapidly increasing as prevailing low interest rates are encouraging businesses to tap into available credit lines. According to Federal Deposit Insurance Corp. estimates, commercial and industrial loans account for over 20% of outstanding loan balances at US banks.

 

 

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