The Top Ten Global Retail Banks: Positioning, Performance and SWOT Analyses

Transcription

1 Brochure More information from The Top Ten Global Retail Banks: Positioning, Performance and SWOT Analyses Description: Benchmark the performance of the world s leading retail banks, identify their strengths and weaknesses and learn from their growth strategies with this new management report... Key questions answered by this report... - Which are the key trends in the global retail banking industry? - Who are the top 10 retail banks in the market and who ranks 11 to 20? - What are the strategies that are driving the revenue and market share of the leading retail banks? - How do the leading retail banks compare in terms of financial and operational performance? - What is the market share of each global bank? - What is the future outlook for the retail banking industry? This new report will provide you with... -Strategic profiles of the ten largest global retail banks providing SWOT analyses, highlighting examples of best practice, analyzing the strategies driving their growth and indicating any potential problems they could face in the future. - Analysis of the financial performance of the world s leading retail banks based on financial and operational performance by business segment from Comparative analysis of the top ten retail banks in terms of revenue growth, revenue per branch operating margins, and geographical coverage. - Snapshots of key retail banks outside the top 10 providing market shares, revenues, employees, business segments and detailing financial performance between The global retail banking market valued $3,026bn in 2007, with the top 10 banks representing about 19.8% of this total. The US subprime mortgage crisis, expansion of direct and online banking and cross-border consolidation are the main forces affecting retail banking at present. The Top Ten Global Retail Banks: Positioning, performance and SWOT analyses is a new report that examines market dynamics in the retail banking sector focusing on the top ten retail banks. This new report highlights the strengths and weaknesses of the top ten banks, analyzes the reasons behind the growth of their businesses and indicates any potential problems they could face in the short term. Through analysis and forecasts, this report provides insight into the direction of the retail banking market. Assess the world s leading retail banks, anticipate future trends and enhance your competitive strategies with this new report. This new report will enable you to... - Create more effective competitive strategies based on the financial and SWOT analyses of the top ten global retail banks detailed in this report. - Benchmark your performance against leading retail banks with this report s ranking of the top ten retail banks, their financial performance and market share by company and category. - Identify and target future growth areas from this report s analysis of the acquisitions and divestments made by leading retail banks and their strategies for growth. - Understand the key issues in the retail banking sector and the impact that they are expected to have on the market using this report s assessment of the subprime crisis, US credit card debt, cross-border consolidation

2 and rising interest rates. - Save time, money and resources on researching the performance and best practice strategies of the key players in global retail banking using this report. Key issues examined by this report... - Subprime crisis. The US credit crunch caused by mortgage-backed securities led to increased provision for credit losses and higher net charge-offs. This affected the retail operations earnings of many leading banks in the US and Europe in US credit card debt. In the aftermath of the US mortgage crisis, credit card debt in the US rose to unprecedented levels. A slowing of the mortgage expansion rate has resulted in a substantial shift to credit card borrowing from mortgage debt. - Cross-border banking consolidation. Cross-border consolidation gained a new momentum following the recent $100bn acquisition of ABN AMRO by a consortium of European banks led by RBS. - Rising interest rates. High interest rates combined with lower growth rates will adversely affect the demand for retail and corporate credit and also decrease the interest spreads, which in turn, will negatively impact on banks' profitability. Contents: The Top Ten Global Retail Banks Executive Summary 14 Market development 14 Citigroup 14 Bank of America 15 HSBC 15 JP Morgan Chase 16 Royal Bank of Scotland 16 Banco Santander 17 Wells Fargo 17 BNP Paribas 18 Wachovia 18 Société Générale 19 Chapter 1 Introduction 22 What is this report about? 22 Methodology 22 Chapter 2 Market development 26 Summary 26 Introduction 27 Market size 27 Positioning and performance of top ten companies 28 Key trends in the retail banking market 30 Credit crisis 30 Increasing direct and online banking 30 Cross-border banking consolidation continues 32 Summary of trends 32 Chapter 3 Citigroup 36 Summary 36 History 37 Business segments 37 Recent financial performance 38 Performance by business segments 40 Acquisitions and divestments 40 Growth strategies 41 Restructuring of the US residential mortgage business 41 International expansion 42 Innovative card products 42 SWOT analysis 43

3 Strengths 43 Strong market position 43 Strong growth in international consumer business 44 Weaknesses 44 Declining capital adequacy ratio 44 Opportunities 45 Growing US credit card market 45 Growing global banking industry 45 Threats 45 Weak mortgage market in the US 45 Chapter 4 Bank of America 48 Summary 48 History 49 Business segments 50 Recent financial performance 51 Performance by business segments 52 Acquisitions and divestments 53 Growth strategies 54 Innovative products 54 Targeting the Hispanic population 54 SWOT analysis 55 Strengths 56 Strong market position 56 Strong balance sheet 56 Weaknesses 56 Declining net interest margin 56 Opportunities 57 Acquisition of Countrywide Financial Corporation 57 Threats 57 Subprime crisis 57 Chapter 5 HSBC 60 Summary 60 History 61 Business segments 61 Recent financial performance 62 Performance by business segments 63 Acquisitions and divestments 64 Growth strategies 65 Expansion in high growth economies 65 Focus on HSBC Premier 65 Restructuring retail operations in the US 66 SWOT analysis 67 Strengths 67 Strong presence in emerging markets 67 Strong focus on cards 68 Weaknesses 68 Weak performance of Personal Financial Services 68 Opportunities 69 HSBC Direct 69 HSBC Rural Bank in China 69 Threats 70 Rising defaults in the US subprime mortgage market 70 Chapter 6 JP Morgan Chase 72 Summary 72 History 73 Business segments 73 Recent financial performance 74 Performance by business segments 75 Acquisitions and divestments 76 Growth strategies 77

4 Strengthening retail network 77 Focused on technology conversion 77 SWOT analysis 78 Strengths 79 Strong retail distribution 79 Leading credit cards issuer in the US 79 Weaknesses 79 Poor financial performance of Retail Financial Services 79 Opportunities 80 ChaseHealthAdvance financing 80 Threats 80 US credit card debt 80 Chapter 7 Royal Bank of Scotland 82 Summary 82 History 83 Business segments 83 Recent financial performance 84 Performance by business segments 86 Acquisitions and divestments 87 Growth strategies 88 Multiple brand retail strategy 88 SWOT analysis 89 Strengths 89 Leading provider of financial services in the UK 89 Strong presence in Asia Pacific 90 Weaknesses 90 Falling liquidity 90 Opportunities 90 Growing wealth management market 90 Expanding footprint in Ireland 91 Threats 91 Slowdown in the economic and monetary environment 91 Chapter 8 Banco Santander 94 Summary 94 History 95 Business segments 95 Recent financial performance 96 Performance by business segments 97 Acquisitions and divestments 98 Growth strategies 99 Expansion in Latin America 99 Strengthening consumer finance 99 SWOT analysis 100 Strengths 100 Robust operational performance 100 Strong market position in Latin America 101 Weaknesses 101 Negligible presence in Asia 101 Opportunities 102 Launch of euribor Threats 102 Interest rates hike 102 Chapter 9 Wells Fargo 104 Summary 104 History 105 Business segments 105 Recent financial performance 106 Performance by business segments 107 Acquisitions and divestments 108 Growth strategies 109

5 Cross sell strategy 109 Inorganic growth 109 SWOT analysis 110 Strengths 110 Strong distribution network 110 Credit rating 111 Weaknesses 111 High exposure to real estate 111 Opportunities 111 Launch of Mobile Text Banking Service 111 Threats 112 Rise in phishing 112 Chapter 10 BNP Paribas 114 Summary 114 History 115 Business segments 115 Recent financial performance 116 Performance by business segments 118 Acquisitions and divestments 118 Growth strategies 120 Reorganizing business activities in Europe 120 Focusing on retail banking operations in Russia 120 SWOT analysis 121 Strengths 121 Growing IRFS business 121 Weaknesses 122 Weak Tier 1 ratio 122 Opportunities 122 Developing Italy as second domestic market 122 Threats 122 Weak anti-fraud controls 122 Chapter 11 Wachovia 126 Summary 126 History 127 Business segments 127 Recent financial performance 128 Performance by business segments 130 Acquisitions and divestments 130 Growth strategies 131 Inorganic growth 131 SWOT analysis 132 Strengths 132 Strong general banking segment 132 Weaknesses 133 Geographically concentrated operations 133 Litigation 133 Opportunities 134 Launch of PatientPOS 134 Threats 134 Consolidation of global banking 134 Chapter 12 Société Générale 136 Summary 136 History 137 Business segments 137 Recent financial performance 138 Performance by business segments 140 Acquisitions and divestments 140 Growth strategies 141 Balanced business mix 141 Expansion of Financial Services operations 141

6 SWOT analysis 142 Strengths 143 Strong French retail network 143 Weaknesses 143 Lower solvency ratio 143 Opportunities 143 Acquisition of majority stake in Rosbank 143 Opportunities in Brazil, Argentina and Mexico 144 Threats 144 Bank trading frauds 144 Chapter to 20 Companies 146 Barclays 146 Business segments 146 Recent financial performance 147 Crédit Agricole 149 Business segments 149 Recent financial performance 150 Lloyds TSB 152 Business segments 152 Recent financial performance 153 UniCredit 154 Business segments 154 Recent financial performance 154 Washington Mutual 156 Business segments 156 Recent financial performance 157 Bank of China 158 Business segments 158 Recent financial performance 159 HBOS 160 Business segments 160 Recent financial performance 161 Rabobank 162 Business segments 162 Recent financial performance 163 Ordering: Order Online - Order by Fax - using the form below Order by Post - print the order form below and send to Research and Markets, Guinness Centre, Taylors Lane, Dublin 8, Ireland.

7 Page 1 of 2 Fax Order Form To place an order via fax simply print this form, fill in the information below and fax the completed form to (from USA) or (from Rest of World). If you have any questions please visit Order Information Please verify that the product information is correct and select the format(s) you require. Product Name: Web Address: Office Code: The Top Ten Global Retail Banks: Positioning, Performance and SWOT Analyses SC Product Formats Please select the product formats and quantity you require: Quantity Hard Copy: Electronic (PDF) - Single User: Electronic - Enterprisewide: USD USD 58 Shipping/Handling USD 2875 USD * Shipping/Handling is only charged once per order. Contact Information Please enter all the information below in BLOCK CAPITALS Title: Mr Mrs Dr Miss Ms Prof First Name: Last Name: Address: * Job Title: Organisation: Address: City: Postal / Zip Code: Country: Phone Number: Fax Number: * Please refrain from using free accounts when ordering (e.g. Yahoo, Hotmail, AOL)

8 Page 2 of 2 Payment Information Please indicate the payment method you would like to use by selecting the appropriate box. Pay by credit card: You will receive an with a link to a secure webpage to enter your credit card details. Pay by check: Please post the check, accompanied by this form, to: Research and Markets, Guinness Center, Taylors Lane, Dublin 8, Ireland. Pay by wire transfer: Please transfer funds to: Account number Sort code Swift code IBAN number Bank Address ULSBIE2D IE78ULSB Ulster Bank, Main Street, Blackrock, Co. Dublin, Ireland. If you have a Marketing Code please enter it below: Marketing Code: Please note that by ordering from Research and Markets you are agreeing to our Terms and Conditions at Please fax this form to: (646) or (646) From USA or From Rest of World