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Commercial Banking in Canada: Market Research Report

Market Research • Market Size • Industry Statistics • Industry Analysis • Industry Trends

Commercial Banking in Canada Market Research Report | NAICS 52211CA | Dec 2015

Open vault: A higher overnight rate will boost interest income, but regulation will limit growth

The Commercial Banking market research report provides key industry analysis and industry statistics, measures market size, analyzes current and future industry trends and shows market share for the industry’s largest companies. IBISWorld publishes the largest collection of industry reports so you can see an industry’s supply chain, economic drivers and key buyers and markets.

Report Snapshot
Industry Statistics & Market Size
Revenue
$57bn
Annual Growth 10-15
0.9%
Annual Growth 15-20
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Profit
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Employment
276,423
Businesses
80
Industry Analysis & Industry Trends

Despite the low interest rates that emerged as a result of the global financial crisis, the Commercial Banking industry has performed relatively well over the five years to 2015. Over this period, the overnight rate, which is strongly correlated with interest rates charged by commercial banks, is expected to increase slightly in the five years to 2015. In the coming years, projected increases in the overnight rate and improvements in corporate profit are anticipated to boost interest income from lending products. However, mounting regulation and capital requirements hold the potential to limit the flexibility of industry operators and make them less competitive on a global scale... purchase to read more

Industry Report - Starting a New Business Chapter

The Commercial Banking industry has high barriers to entry. An organization must receive prior approval from the Office of the Superintendent of Financial Institutions (OSFI) to initiate operations. The organization is then subject to ongoing supervision and regular inspections by the OSFI and provincial governments. Depending on what designation a bank receives from the OSFI, it may be restricted in its range of activities and acquisitions of competing banks.

Perhaps the largest barrier to entry for potential operators is obtaining and maintaining sufficient capital levels for operations. By the first quarter of 2014, commercial banks were expected to meet a total Tier 1 capital ratio of 8.5% and total capital ratio of 10.5%... purchase to read more

 


Industry ProductsRelated ReportsTable of Contents

What is the Commercial Banking Industry?

Operators in this industry provide financial services to retail and business clients in the form of commercial, industrial and consumer loans. Banks also accept deposits from customers, which are used as a source of funding for the loans. Banks in this industry include those that are regulated by the Office of the Superintendent of Financial Institutions.

Industry Products
Consumer lendingReal estate secured lendingPersonal depositsBusiness banking
 
Industry Activities
Providing home equity loans and lines of creditProviding automobile loansProviding real estate secured lendingProviding personal deposit productsProviding business banking services


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