Industry Analysis & Industry Trends
Although the industry experienced severe ups and downs over the past five years, commercial banks are set to recover in the five years to 2019. Banks endured massive loan losses as a result of the credit crisis, causing revenue to contract significantly. However, improving consumer confidence and corporate profit will facilitate improvements in the credit market, enabling operators to grow their deposits and offer competitive rates... purchase to read more
Industry Report - Industry Products Chapter
The Commercial Banking industry earns interest revenue from loan products and noninterest revenue from fees and other services. In 2014, about 70.0% of industry revenue is expected to come from interest income from loans, while the remaining 30.0% will come from service fees.
Real estate loans
This category includes all mortgage products for retail consumers, including loans secured by refinancing activity and lease financing and receivables. Real estate loans account for an estimated 40.0% of commercial banking revenue in 2014, which is largely unchanged from 2009, as mortgage markets have yet to recover from the subprime mortgage crisis.
Mortgage product offerings are for home purchasing and refinancing needs and have fixed or variable rates... purchase to read more