Overview

Full market: Continued interest rate hikes will bolster industry revenue

IBISWorld’s Commercial Banking in Florida Industry Research Report offers insight into the market at the national level. Our analysis highlights macro trends in the overall sector and the micro trends faced by companies that do business in the Commercial Banking in Florida industry. Our five-year outlook forecasts explain how the market is set to change and the product segments that will drive growth.

REPORT SNAPSHOT

Industry Threats & Opportunities

  • The low interest rate environment spurred consumer and business demand for credit, pushing loan volumes upward
  • Noninterest income has yet to reach prerecession levels
  • The regulatory environment of this industry has the potential to change significantly

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    Industry Analysis & Industry Trends

    Over the past five years, the Commercial Banking industry in Florida grew as demand for financial services increased. The low interest rate environment spurred consumer and business demand for credit, pushing loan volumes upward. As a result, the total value of loans and leases in Florida increased significantly, driving interest income growth. Additionally, general improvements to the economy have made the average borrower more creditworthy, positively influencing bank profit margins. Nevertheless, while the total value of loans has increased, interest income remains far below prerecession levels but will continue to grow as interest rates grow alongside loan volumes...

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    Industry Report - Industry Products Chapter

    Florida's Commercial Banking industry earns revenue in two distinct ways: interest revenue from loan products and noninterest revenue from fees and other services.

    Real estate loans

    This segment includes all mortgage products for retail consumers and is the largest segment in the state. This segment includes loans secured by refinancing activity and lease financing and receivables. Florida is significantly more dependent than the United States as a whole on its real estate loans segment. Overall, real estate loans in Florida are expected to account for 60.1% of commercial banking revenue in 2017, growing over the past five years.

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    Additional Insights for the Commercial Banking in Florida Industry

    IBISWorld identifies 250 Key Success Factors for a business.The most important for the Commercial Banking in Florida Industry are

  • Having a good reputation
  • Membership of joint marketing/distribution operations
  • Superior financial management and debt management
  • IBISWorld analysts also discuss how external factors such as Corporate profit and Prime rate in the Commercial Banking in Florida industry impact industry performance..

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    Look under the hood?

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    Industry Products

    What is the Commercial Banking in Florida Industry?

    This industry comprises banks that provide financial services to retail and business clients in the form of commercial, industrial and consumer loans. Banks accept deposits from customers, which are used as sources of funding for loans. Banks in this industry are regulated by the Office of the Comptroller of the Currency.

    Industry Products
    Real estate
    Depository services and related fees
    Loans to individuals
    Commercial and industrial loans
    All others
    Industry Activities
    Receiving deposits from customers
    Issuing consumer, commercial and industrial loans

    Table of Contents

    About this Industry
    Industry Definition
    Main Activities
    Similar Industries
    Additional Resources
    Industry at a Glance
    Industry Statistics Snapshot
    Industry Structure
    Executive Summary
    Industry Performance
    Executive Summary
    Key External Drivers
  • Corporate profit
  • Prime rate
  • Access to Credit in Florida
  • External competition for the Commercial Banking industry
  • Regulation for the Banking sector

  • Current Performance
  • Interest rate environment
  • Noninterest income and profit increase
  • Regulation drives consolidation
  • Chart: Revenue Growth

  • Industry Outlook
  • Interest rates increase
  • Technological change
  • Table: Commercial Banking in Florida Industry Revenue Outlook

  • Industry Life Cycle
  • Life cycle reasons
  • Chart: Benchmarking - Commercial Banking in Florida Industry Lifecycle vs The Economy

  • Products & Markets
    Supply Chains
    Key Buying Industries
  • Agriculture, Forestry, Fishing and Hunting
  • Mining
  • Construction
  • Information
  • Consumers

  • Key Selling Industries
  • Central Banking
  • Commercial Leasing

  • Products & Services
  • Real estate
  • Commercial and industrial loans
  • Depository services and related fees
  • All others
  • Loans to individuals
  • Chart: Commercial Banking in Florida Industry Products and Services Segmentation

  • Major Markets
  • Retail
  • Corporate
  • Other
  • Chart: Major Market Segmentation for the Commercial Banking in Florida Industry

  • Business Locations
    Chart: Business Locations by State
    Competitive Landscape
    Market Share Concentration
    Key Success Factors
    Cost Structure Benchmarks
  • Profit
  • Wages
  • Other expenses
  • Depreciation, rent and utilities
  • Chart: Cost Structure Benchmarking – Sector vs Commercial Banking in Florida

  • Basis of Competition
    Barriers to Entry
  • Table: Barrier to Entry Checklist for the Commercial Banking in Florida Industry

  • Major Companies
    Wells Fargo & CompanyBank of America Corporation SunTrust Banks Inc.JPMorgan Chase & Co.
  • Table: Wells Fargo & Company - financial performance
  • Table: Bank of America Corporation - financial performance
  • Table: SunTrust Banks Inc. - financial performance
  • Table: JPMorgan Chase & Co. - financial performance

  • Operating Conditions
    Capital Intensity
  • Chart: Level of Capital Intensity for the Commercial Banking in Florida Industry
  • Chart: Tools of the Trade: Growth Strategies for Success

  • Technology & Systems
    Revenue Volatility
  • Chart: Volatility vs Industry Growth

  • Regulation & Policy
    Industry Assistance
    Key Statistics
    Table: Industry Data for the Commercial Banking in Florida Industry
    Includes:
  • Industry Revenue (2008-2022)
  • Establishments (2008-2022)
  • Businesses (2008-2022)
  • Employment (2008-2022)
  • Wages (2008-2022)
  • Prime Rate (2008-2022)

  • Table: Annual Percentage Change for Key Industry Data
    Table: Key Ratios for Industry Key Data
    Jargon & Glossary
    Generation Y
  • The demographic of Americans generally aged 10 to 30.
  • Loan And Lease Loss Provision
  • An amount set aside as an allowance for bad debts (i.e. debts where the customer defaults or where the terms of the loan need to be renegotiated).
  • Loan Default
  • When a customer fails to pay back money received through a loan to the bank.
  • Subprime Mortgage
  • A type of mortgage made out to borrowers with lower credit ratings. Lending institutions often charge higher interest on subprime mortgages to compensate themselves for carrying more risk.
  • Warrant
  • A type of security that entitles the holder to purchase stock in the issuing company at a specified price.
  • Write-Down
  • A deliberate reduction in the value of an asset to reflect its current market value.
  • Why buy this report?

    IBISWorld industry market research reports enable you to:
    • Find out about key industry trends
    • Identify threats and opportunities
    • Inform your decisions for marketing, strategy and planning
    • Quickly build competitive intelligence
    This report on Commercial Banking in Florida:
    • Provides Market Size information to assist with planning and strategic decisions.
    • Includes the necessary information to perform SWOT, PEST and STEER analysis.
    • Helps you understand market dynamics to give you a deeper understanding of industry competition and the supply chain.
    • Analyses key performance and operational metrics so that you can benchmark against your own business, that of your customers’ businesses, or your competitors’ businesses.
    The Commercial Banking in Florida market research report includes:
    • Historical data and analysis for the key drivers of this industry
    • A five-year forecast of the market and noted trends
    • Detailed research and segmentation for the main products and markets
    • An assessment of the competitive landscape and market shares for major companies
    • And of course, much more

    IBISWorld reports on thousands of industries around the world. Our clients rely on our information and data to stay up-to-date on industry trends across all industries. With this IBISWorld Industry Research Report on Commercial Banking in Florida, you can expect thoroughly researched, reliable and current information that will help you to make faster, better business decisions.

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