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1 Bank Aggressively Lending to Businesses
 

1 Bank Aggressively Lending to Businesses

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With the commercial loan industry rebounding, one bank has been issuing loans faster than its peers.

With the commercial loan industry rebounding, one bank has been issuing loans faster than its peers.

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    1 Bank Aggressively Lending to Businesses 1 Bank Aggressively Lending to Businesses Presentation Transcript

    • 1 Bank Aggressively Lending to Businesses
    • Industry Overview Since the end of 2010, commercial loan balances at all commercial banks have risen by almost 30%: Source: Federal Reserve Bank of St. Louis
    • Industry Overview Despite shrinking net interest margins for all U.S. banks, the spread on commercial and industrial loans has also ballooned in recent years: Source: Federal Reserve Bank
    • Let’s check in on five banks often described as regional or commercial banks to see which has one taken advantage of this banking business with growing margins and growing capacity.
    • 5. BB&T (NYSE: BBT) Source: Company Earnings Report Commercial Loan Balance: $38.4 Billion Annual Growth Rate Since 2010: 7.5%
    • 4. Sun Trust (NYSE: STI) Source: Company Earnings Report Commercial Loan Balance: $54.5 Billion Annual Growth Rate Since 2010: 8.2%
    • 3. U.S. Bancorp (NYSE: USB) Source: Company Earnings Report Commercial Loan Balance: $68.2 Billion Annual Growth Rate Since 2010: 14.7%
    • 2. Fifth Third Bank (NYSE: FITB) Source: Company Earnings Report Commercial Loan Balance: $37.6 Billion Annual Growth Rate Since 2010: 15.3%
    • 1. PNC (NYSE: PNC) Source: Company Earnings Report Commercial Loan Balance: $86.0 Billion Annual Growth Rate Since 2010: 19.4%
    • PNC CEO Bill Demchak recently noted the bank added commercial loans “when risk adjusted returns were at a premium,” and they accelerated issuing these loans “at a time when you got paid to do so.” As a result of this issuance of loans and expansion into the Southeast and beyond, PNC has watched its corporate business grow 45% since 2010. Now, this group makes up 37% of the bank’s assets (up from 29%), and generates returns that are almost 1.5 times better than the rest of the bank’s assets. Hitting the sweet spot
    • With its larger footprint and diversified operations, PNC looks like an bank well- positioned to gain market share and a stock that could be poised to climb higher. Looking ahead…
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