Commercial Banking Market Expected to Reach $7404.4 Billion by 2031

Commercial Banking Market

Report Code : A06184

quote According to Aarti Goswami, Research Analyst, BFSI at Allied Market Research, “The commercial banking market is experiencing a significant growth, and will grow considerably in the next few years. The evolution of commercial banking in BFSI sector provides lucrative opportunities to all kinds of enterprises to obtain funds from commercial banks and put them to productive uses to contribute to the economy’s growth.” quote

Vineet Kumar - Manager
BFSI at Allied Market Research

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According to a new report published by Allied Market Research, titled, “Commercial Banking Market," The commercial banking market size was valued at $2540.33 billion in 2021, and is estimated to reach $7404.4 billion by 2031, growing at a CAGR of 11.5% from 2022 to 2031.

Furthermore, small & medium enterprises play a vital role in determining the overall performance of the economy by various means such as employment, innovation, and technology. On the contrary, commercial international bank accelerate the development of a country’s economy. Hence, commercial banks are assisting by providing credit to SMEs for business growth, positively influencing by understanding the matter of loans between the investor and the borrower, and ensuring efficient use of depositor funds. Primarily, commercial banks are helping in making credit available by organizing surplus funds from depositors who have no need of immediate money and transforming them into credit for investors who have excellent ideas and further creating additional wealth in the economy. In respect of the Wall Street Journal, as SMEs are very important for economic growth, commercial banks provide loans only after tacking the following things such as assets, sales projection, and business growth.

On the basis of application, the healthcare segment is the fastest growing segment. This is attributed to the fact that commercial bank online offers commercial health insurance for the commercial sector. The premiums and coverage amounts offered by commercial health insurance are designed to create a profit for the insurance company as well as wellness for the commercial sector employees. As a result, this is considered the major factor driving the growth of the commercial banking industry.

On the basis of region, North America attained the highest commercial banking market growth in 2021. This is attributed to the fact that commercial banks in North America have profited significantly from recent economic upswings during the past several years. On the volume side, deposits and balances grew by approximately 5% CAGR as companies translated higher profits into cash holdings. Moreover, across loans and deposits, net-interest margins widened significantly, with 10 to 20% increases common across banks. As a result, growth has been broad-based, with most North American commercial banks recording strong results in recent years.   

Commercial banks were in operation during COVID-19 and were considered an essential service. Moreover, due to the fear of spread of virus, consumers were hesitant about visiting the branch physically. However, banks adopted online banking systems and offered banking services to their customers through their mobile phones. Furthermore, it led to increased customer satisfaction, and consumers were attracted to the innovative and fast services provided by the online banking apps. Thus, COVID-19 positively impacted the commercial banking market trends.   

Key Findings of the Study

  • By product, the commercial lending segment led the commercial banking market in terms of revenue in 2021.
  • By application, the healthcare segment accounted for the highest commercial banking market share in 2021.
  • By region, North America generated the highest revenue in 2021.

The key players profiled in the commercial banking market analysis are Bank of America Corporation, Bank of China (BOC), Barclays Bank PLC, BNP Paribas, China Construction Bank, Citigroup Inc., HSBC Group, J.P. Morgan Chase & Co., U.S. Bank, and Wells Fargo. These players have adopted various strategies to increase their market penetration and strengthen their position in the industry.

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quote Commercial Banking Market by Products (Commercial Lending, Treasury Management, Project Finance, Syndicated Loans, Capital Market, Others), by Application (Healthcare, Construction, Transportation And Logistics, Media And Entertainment, Others): Global Opportunity Analysis and Industry Forecast, 2021-2031 quote

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