What Is The Breakup Of Outstanding Loans Across U.S. Banks By Loan Type?
Residential mortgages and commercial loans together account for almost 50% of all outstanding loans for the U.S. banking industry.
* Credit card loans include unsecured revolving credit, while retail loans include auto loans, student loans and other secured consumer loans. Other loans comprise of loans to financial institutions as well as the lending of federal funds and reverse repurchase agreements.
Notably, growth in commercial loans has significantly outpaced mortgages for all U.S. banks since 2011. With this trend likely to continue in the near future, we expect total commercial loans to exceed total outstanding mortgages by the end of 2017. This should have a positive impact on JPMorgan’s share value going forward, as we capture in the chart below.
See the links below for more information about the 5 largest U.S. commercial banks:
- What Was The Total Size Of Outstanding Domestic And Foreign Loans For The Largest U.S. Banks In Q2 2016?
- How Has The Total Loan Portfolio Of The Largest U.S. Banks Changed Over The Last 5 Quarters?
- How Much In Domestic And Foreign Deposits Did The Largest U.S. Banks Hold In Q2 2016?
- How Have Total Deposits For The Largest U.S. Banks Changed Over The Last 5 Quarters?
- How Have The Loan-To-Deposit Ratios For U.S. Banks Trended Over Recent Quarters?
Notes:
1) The purpose of these analyses is to help readers focus on a few important things. We hope such lean communication sparks thinking, and encourages readers to comment/ ask questions on the comment section
2) Figures mentioned are approximate values to help our readers remember the key concepts more intuitively. For precise figures, please refer to the full Trefis analysis for U.S. Bancorp | Wells Fargo | JPMorgan | Bank of America | Citigroup
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