Survey Contents: Commercial Banking 2005

1. Executive Summary
2. Highlights
3. Industry Overview

3.1 Introduction
3.2 Industry size
3.3 Segmentation
3.3.1 By geography
3.3.2 By products
3.4 Demand–supply
3.5 Major players
3.6 Major trends
3.6.1 Customer focus
3.6.2 Leveraging human capital to increase revenue
3.6.3 Offshoring
3.6.4 Basel II capital accord compliance
3.6.5 Corporate governance
3.6.6 Keeping pace with technology
3.6.7 Globalization and consolidation
3.7 Conclusion
3.8 References

4. Growth Drivers

4.1 Introduction
4.2 Major growth drivers
4.2.1 Macroeconomic factors
4.2.2 Untapped business potential
4.2.3 Globalization
4.2.4 Deregulation of banking industry
4.2.5 Technological development
4.2.6 Retail banking
4.2.7 Innovative products and marketing
4.3 Conclusion
4.4 References

5. Issues and Challenges

5. 1 Introduction
5.2 Globalization and consolidation
5.3 Retail resurgence—quality service remains a critical issue
5.4 Preparing the next generation of talent
5.5 Offshoring—a critical decision
5.6 Monitoring credit quality
5.7 Risk management
5.8 Coping with tighter regulations
5.8.1 Basel II—driving enterprise-wide change
5.8.2 Corporate governance—boards in the spotlight
5.8.3 The last stretch for IAS 39 implementation
5.9 Conclusion
5.10 References

6. Technology

6.1 Introduction
6.2 Internet banking
6.3 ATM
6.3.1 Advanced functionality in ATM
6.3.2 ATM outsourcing
6.4 Mobile banking
6.5 New technologies
6.6 IT spending in major regions
6.6.1 US banks
6.6.2 European banks
6.6.3 Japanese banks
6.6.4 Chinese banks
6.6.5 Indian banks
6.7 Conclusion
6.8 References

7. Major Markets

7.1 Introduction
7.2 The US
7.2.1 Overview
7.2.2 Market size
7.2.3 Market segmentation
7.2.4 Competition
7.2.5 Major players and trends
7.3 The UK
7.3.1 Overview
7.3.2 Market size
7.3.3 Market segmentation
7.3.4 Competition
7.3.5 Major players
7.4 European Union
7.4.1 Overview
7.4.2 Market size
7.4.3 Major players
7.5 Japan
7.5.1 Overview
7.5.2 Market size
7.5.3 Major players
7.6 China
7.6.1 Overview
7.6.2 Market size
7.6.3 Major players
7.7 India
7.7.1 Overview
7.7.2 Market size
7.7.3 Market segmentation
7.8 Conclusion
7.9 References

8. Major Players

8.1 Introduction
8.2 Citigroup
8.2.1 Business profile
8.2.2 Financial analysis
8.2.3 Stock performance
8.2.4 Key strategies
8.2.5 Outlook
8.3 Bank of America
8.3.1 Business profile
8.3.2 Financial profile
8.3.3 Stock performance
8.3.4 Key strategies
8.3.5 Outlook
8.4 HSBC
8.4.1 Business portfolio
8.4.2 Financial analysis
8.4.3 Stock performance
8.4.4 Key strategies
8.4.5 Outlook
8.5 JPMorgan Chase
8.5.1 Business profile
8.5.2 Financial analysis
8.5.3 Stock performance
8.5.4 Key strategies
8.5.5 Outlook
8.6 UBS
8.6.1 Business profile
8.6.2 Financial profile
8.6.3 Stock performance
8.6.4 Key strategies
8.6.5 Outlook
8.7. Royal Bank of Scotland
8.7.1 Business profile
8.7.2 Financial profile
8.7.3 Stock performance
8.7.4 Key strategies
8.7.5 Outlook
8.8 BNP Paribas
8.8.1 Business profile
8.8.2 Financial profile
8.8.3 Stock performance
8.8.4 Key strategies
8.8.5 Outlook
8.9 Deutsche Bank
8.9.1 Business profile
8.9.2 Financial profile
8.9.3 Stock performance
8.9.4 Key strategies
8.9.5 Outlook
8.10 Credit Agricole
8.10.1 Business profile
8.10.2 Financial analysis
8.10.3 Stock performance
8.10.4 Key strategies
8.10.5 Outlook
8.11 Sumitomo Mitsui Banking Corporation
8.11.1 Business profile
8.11.2 Financial analysis
8.11.3 Key strategies
8.11.4 Outlook
8.12 Conclusion
8.13 References

9. Regulatory Aspects

9.1 Introduction
9.2 International regulations
9.3 Basel II—revolution disguised as regulation
9.3.1 Basel II and its implications for the banking industry
9.3.2 Basel II in the European Union
9.3.3 Basel II and Regulators—European Union
9.3.4 Basel II and Regulators—US
9.4 Regulatory bodies and laws governing the industry
9.4.1 US
9.4.2 UK
9.4.3 European Union
9.4.4 Japan
9.4.5 Emerging markets
9.5 Conclusion
9.6 References

10. Mergers & Acquisitions

10.1 Introduction
10.2 Major M&A
10.3 US
10.4 Europe
10.5 Asia Pacific
10.6 Rationale for M&A
10.6.1 Greater efficiency
10.6.2 Leveraging technology
10.6.3 Changing laws
10.6.4 Diversification
10.6.5 Broader array of products
10.7 Key drivers for M&A
10.7.1 Deregulation
10.7.2 Technology
10.7.3 Globalization
10.8 Impact of M&A
10.8.1 Impact on customers
10.8.2 Impact on communities
10.8.3 Impact on small businesses
10.9 Conclusion
10.10 References

11. Critical Success Factors

11.1 Introduction
11.2 Trade off between technology investment and return
11.3 Outsourcing
11.4 Enterprise risk management
11.5 Know your customer
11.6 Information security
11.7 Conclusion
11.8 References

12. Future Outlook

12.1 Introduction
12.2 Economic outlook
12.3 Regional outlook
12.3.1 US
12.3.2 UK
12.3.3 Europe Union
12.3.4 Asia-Pacific