Resources Platform for Management Consultants

Consumer Banking

 Product

 

Credit cards, consumer loans, deposit-based services, securitization/proprietary trading

 

Distribution

 

ATM, Online, branches/tellers

 

Customer

 

Individual customer, High net worth customers, small/medium business without financial service

 

Competition

 

Large national players, regional banks

 

Key Trends

 

(1) Increasing use of ATM and online distribution;

(2) Demographic shift: aging population;

(3) Increasing offshoring of call centers, back office functions etc;

(4) Primary growth through M&A

 

Revenues

 

Fees, borrowing rates

 

Costs

 

Borrowing costs, overhead (branches, administrative, compliances), salaries, bad debts

 

 

 

 

Resources

 

Haider Z (2015) Commercial Banking in the US, IBISWorld Inc, Los Angeles

 

Hoopes S (2015) Global Commercial Banks, IBISWorld Inc, Los Angeles

 

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