Bank Industry Standards applies standard analytics & forecasts to 800+ banks, Bank Industry Standards

Steve Lander

Bank Industry Standards applies standard analytics & forecasts to 800+ banks

Bank Industry Standards

Equity Bottom-Up

In the next banking downcycle, Fifth Third is likely to utterly reverse its experience post GFC. Advantage is due to a healthy C&amp;I loanbook vs MidWest and national peers.&nbsp; Loanbook yield is competitive, loan delinquency is comparatively low and cost of funds has now opened up a significant advantage.

In the next banking downcycle, Fifth Third is likely to utterly reverse its experience post GFC. Advantage is due to a healthy C&amp;I loanbook vs MidWest and national peers.&nbsp; Loanbook yield is competitive, loan delinquency is comparatively low and cost of funds has now opened up a significant advantage.  

Fifth Third Bancorp : in future, a positive reversal

PNC Financial has traditionally been driven more from its non-interest income than its banking business.&nbsp; No surprise, then, that the Fed's base case scenarios hits PNC's capital base hard, while the Fed's adverse and severe scenarios do not.Tier 1 ratio (now 11.1%) grows to 12.1% (adverse) and 15.0% (severe) in the 4Q17 forecast quarter.&nbsp; Base case, however, computes to 8.1% in 4Q17. The difference is the size of securities book that can grow in the absence of lending growth.&nbsp; PNC makes positive returns on its cost of funds, and inserts more to Securities under the more challenging scenarios.

PNC Financial has traditionally been driven more from its non-interest income than its banking business.&nbsp; No surprise, then, that the Fed's base case scenarios hits PNC's capital base hard, while the Fed's adverse and severe scenarios do not.Tier 1 ratio (now 11.1%) grows to 12.1% (adverse) and 15.0% (severe) in the 4Q17 forecast quarter.&nbsp; Base case, however, computes to 8.1% in 4Q17. The difference is the size of securities book that can grow in the absence of lending growth.&nbsp; PNC makes positive returns on its cost of funds, and inserts more to Securities under the more challenging scenarios. 

United States

Fifth Third Bancorp is a diversified financial services company that operates banking centers in the Midwestern and Southeastern regions of the United States. The Company's principal businesses include retail banking, commercial banking, investment advisory, and data processing.

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Fifth Third Ban (FITB US)

Fifth Third Bancorp : in future, a positive reversal

In the next banking downcycle, Fifth Third is likely to utterly reverse its experience post GFC.Advantage is due to a healthy C&I loanbook vs...

Steve Lander

Stress Test applied to PNC Financial

PNC Financial has traditionally been driven more from its non-interest income than its banking business. No surprise, then, that the Fed's base...

Steve Lander

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