What Was The Distribution Of Loans Across Categories For The Largest U.S. Banks In Q3 2016?

November 23rd, 2016 by Trefis Team
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WFC: Wells Fargo logo
WFC
Wells Fargo

With the largest total loan portfolio among all U.S. banks, Wells Fargo manages more mortgages, commercial real estate (CRE) loans and retail loans than any other bank in the U.S. While Bank of America leads in terms of outstanding commercial & industrial (C&I) loans, Citigroup has the largest card balances thanks to its strong card business globally.

CB_QA_LoanPortfolioSplit_16Q3

The highlighted figures in each row above show the bank with the most outstanding loans in a particular category

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Notably, in terms of the composition of loans for each of these banks, commercial & industrial loans have the largest share of the loan portfolio for each of the five largest U.S. banks – making up just under 40% of total loans for these banks taken together.

CB_QA_LoanPortfolioSplitP_16Q3

This has not generally been the case for Wells Fargo since its acquisition of Wachovia in 2009, though, as the bank’s portfolio of residential mortgages formed a majority of outstanding loans. It was only in the first quarter of 2016 that Wells Fargo’s commercial loan portfolio edged ahead of mortgages. The chart below captures our forecast for Wells Fargo’s commercial lending portfolio, and you can see how changes to this affects our price estimate for the bank by modifying this chart.

See the links below for more information about the 5 largest U.S. commercial banks:

See full analysis for U.S. Bancorp | Wells Fargo | JPMorgan | Bank of America | Citigroup

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