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Commercial Banking Market By Products (Industrial Loans, Project Finance, Syndicated Loans, Leasing, Foreign Trade Financing, and Bills of Exchange), and Functions (Accepting Deposits, Advancing Loans, Credit Creation, Financing Foreign Trade, Agency Services and Others): Global Opportunity Analysis and Industry Forecast, 2020-2027

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Commercial Banking Market Outlook - 2027

The global commercial banking market is experiencing a significant growth, and will grow considerably in next few years. The evolution of commercial banking in BFSI sector provide lucrative opportunities to all kind of enterprises to undertake funds from commercial banks and put in to productive uses in order to contribute in economy’s growth. It performs the tasks of accepting deposits from the public and giving loans against deposits for investment purposes with the intention of earning profit. 

 

They are basically profit-seeking institutions as these banks do business for earning profits. Commercial banks is more beneficial and preferable in comparison to other banks, as it offersa wide variety of products and services with discounts such as checking, saving accounts, mortgage, payment & transaction processing fees, and low interest rates on real estate loans.

The profit earned by commercial banks is the difference between in interest of two rates, one, which they borrow and another they accept from depositors. There are few examples of commercial banks such as ICICI Bank, State Bank of India, Axis Bank, HDFC Bank, and Punjab National bank. The other benefits provided by commercial bank sare that it offers financial services to SMEs and public who need funds for ensuring economic and social stability and sustainable growth of the economy.Credit creation is the most significant function of commercial banks.

The global commercial banking market is segmented on the basis of products, functions and region. Based on products, the market is bifurcated into industrial loans, project finance, syndicated loans, leasing, foreign trade financing, and bills of exchange. Depending on functions, the market is divided into accepting deposits, advancing loans, credit creation, financing foreign trade, agency services and others.  Geographically, the market is analysed across several regions such as North America, Europe, Asia-Pacific, and LAMEA. 

Key players profiled in the market include Industrial and Commercial Bank of China, China Construction Bank Corporation, Agriculture Bank of China, J.P. Morgan Chase, HSBC Holdings PLC, Bank of America, Wells Fargo, BNP Paribas, Mitsubishi UFJ Financial Group, and Bank of China. These key players have adopted strategies, such as product portfolio expansion, mergers & acquisitions, agreements, geographical expansion, and collaborations, to enhance their market penetration.

Top Impacting Factors

The notable factors positively affecting the global commercial banking market include rise in development of small and medium enterprises, increase in number of internet users, technological innovations, increase in population, and growing disposable income. However, lack of standardization and possibility of fraudulent attacks are expected to hinder the market growth. Moreover, surge in need of banking in rural areas in emerging countries offer huge market opportunities in the coming years.

Some Major Factors Impacting the Commercial Banking Market Growth are Given Below:

Rise in Development of Small and Medium Enterprises 

Small and medium enterprises play an important role in determining the overall performance of an economy by various means such as employment, innovation, and technology. On the other hand, commercial banks also play an essential role in the development of a country's economic. Hence, commercial banks are helping by providing credit to SMEs for the growth of their business, influencing positively by understanding the matter of loans between the investor and the borrower and ensuring efficient use of depositor funds.

Basically, commercial banks are helping in making the credit available by organising surplus fund from depositor who have no need of immediate money and transform in the form of credit to investors who have excellent ideas and create additional wealth in the economy. In respect of wall street journal, SMEs are very important for economic growth. As, commercial banks provide loans to SMEs only after tacking the following things such as assets, sales projection, and growth. In Brazil, SMEs are known for contributing for more than 98.5% in all enterprises and, 20% to the GDP and only 1% to exports.

Surge in Need of Banking in Rural Market in Emerging Countries

Banks plays an important role in the evolution and development of countries such as India. Banks are adopting the efficient and effective’s approaches of monetary system in order to ensure the smooth flow of functions. Since the beginning of the liberalization and globalization of the economy, the financial sector plays an important role, as it is responsible  overall growth of the economy  .Commercial banks are impacting both urban and rural markets significantly. In India, more than 50 percent of the people are based in rural areas. Though the Indian banks are penetrating the rural areas in order to meet the rural customers' demands, but still, they have not achieved the target. 

Thus, there is still an opportunity open for the commercial banks to provide effective services and offerings to rural population in order make economy strong and penetrate the rural sector so that the economy can grow asa whole.  For instance, commercial banks are helping in organising various programs in rural areas for economic development i.e. NABARD, well-known for the 'SHG Bank Linkage Programme'  that promotes banks from India to carry out lending of money to uplift rural banking Self Help Groupsas SHGs.

Key Benefits of the Report:

  • This study presents the analytical depiction of the global commercial banking industry along with the current trends and future estimations to determine the imminent investment pockets.

  • The report presents information related to key drivers, restraints, and opportunities along with detailed analysis of the global commercial banking market share.

  • The current market is quantitatively analyzed from 2020 to 2027 to highlight the global commercial banking market growth scenario.

  • Porter’s five forces analysis illustrates the potency of buyers & suppliers in the market. 

  • The report provides a detailed global commercial banking market analysis based on competitive intensity and how the competition will take shape in coming years. 

 

Scope of the Report:

                   Report Metric

                                         Details

  Market Size Available For Years

  2020-2027

  Base Year Considered

  2019

  Forecast Period

  2020-2027

  Forecast Units

  Value (USD)

  Segments Covered

  Products, Functions and Region

  Geographies Covered

North America (US and Canada), Europe (Germany, UK, France, and the Rest of Europe), Asia Pacific (China, Japan, India, and the Rest of Asia Pacific), Latin America (Brazil, Mexico, and the Rest of LATAM) and The Middle East and Africa

  Companies Covered

Major players analysed include Industrial and Commercial Bank of China, China Construction Bank Corporation, Agriculture Bank of China, J.P. Morgan Chase, HSBC Holdings PLC, Bank of America, Wells Fargo, BNP Paribas, Mitsubishi UFJ Financial Group and Bank of China.

 

Key Segments:

                       Segments

                             Sub-Segments

  Products

  • Industrial Loans
  • Project Finance
  • Syndicated Loans
  • Leasing
  • Foreign Trade Financing
  • Bills Of Exchange

  Functions

  • Accepting Deposits
  • Advancing Loans
  • Credit Creation
  • Financing Foreign Trade
  • Agency Services
  • Others


Questions Answered in the Commercial Banking Market Research Report:

  • What are the leading market players active in the commercial banking market?

  • What are the current commercial banking market trends will influence the market in the next few years?

  • What are the driving factors, restraints, and opportunities in the market?

  • What are the projections for the future that would help in taking further strategic steps?

 

 
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