Industry Surveys：Banking( Standard & Poor’s)

November 30, 2006 ４４页 .pdf

Banks see shift in earnings drivers
Review of recent results
Economic outlook shows signs of improvement
Hurricane Katrina’s impact on banking
Bankruptcy reform
Mortgage volume decline likely to continue
Our banking industry outlook
S&P Credit Market Services View:
Regional banks show solid performance, slowing momentum

US bank industry consolidation continues at a slow pace
Mergers raise industry concentration
INDUSTRY TRENDS .................................................................................8
Consolidation likely to resume in long term
Fewer banks going bust
Consumer bankruptcies tumble under new law
Customer service and convenience remain a focus for some banks
New regulations raising costs
HOW THE INDUSTRY OPERATES .............................................................14
Business type
Bank assets
Bank liabilities
Interest rate risks
Regulation: the Fed’s influence
Interest rates: a factor in profits
Infrastructure and operating costs
Competitive strategies: retail and commercial
KEY INDUSTRY RATIOS AND STATISTICS ...................................................20
HOW TO ANALYZE A BANK ..................................................................21
Profitability measures
Measures of financial condition
S&P Credit Market Services View:
Evaluating a commercial bank’s creditworthiness
GLOSSARY.............................................................................................29
INDUSTRY REFERENCES.....................................................................31
COMPARATIVE COMPANY ANALYSIS ..............................................34

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