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Interactive Visualization
of Loans and Deposits
of Big 5 Canadian Banks
Q3 2014
Prepared by
Serene Zawaydeh
26-10-14
Using Tableau Public
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/Dashboard1?:showVizHome=no#1
Source of Data: Banks’ Quarterly Results
Can we view these figures differently?
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/Figuresmillion?:showVizHome=no
Serene Zawaydeh serene.zawaydeh@gmail.com
Dashboard
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/Dashboard1?:showVizHome=no
Serene Zawaydeh serene.zawaydeh@gmail.com
RBC was the leading bank with highest
Total Assets in Q3 2012…
• Followed by TD Bank, Scotia Bank, BMO, CIBC
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/AssetsQ32012?:showVizHome=no
Serene Zawaydeh serene.zawaydeh@gmail.com
TD Bank’s Total Assets Exceeded RBC’s in Q3 2014
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/Assets-BusinessPersonalLoans?:showVizHome=no
Serene Zawaydeh serene.zawaydeh@gmail.com
A closer look at TD Bank and RBC…
TD Bank’s Total Assets Growth Accelerated in Q4 2013, exceeding RBC’s
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/TDBankvsRBC-Q413TDexceedsRBC?:showVizHome=no
Serene Zawaydeh serene.zawaydeh@gmail.com
Loan to Deposit Ratio
Retail versus Businesses
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/LoantoDeposit-
PersonalvsBusinessQ32014?:showVizHome=no
Serene Zawaydeh serene.zawaydeh@gmail.com
Turning Deposits to Loans…
TD Bank’s Personal Loans are close to personal deposits.. 3x business loans
RBC’s Personal Loans are close to Business Deposits
Scotia Bank’s Personal Loans are close to Business + Personal Deposits
BMO’s Business Loans twice CIBC’s… CIBC’s Personal Loans 1.2x BMO’s
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/Matrix-BanksQ32014Q32013?:showVizHome=no#1
Serene Zawaydeh serene.zawaydeh@gmail.com
Highest Business Deposits: RBC & Scotia Bank
Highest Personal Deposits: TD Bank
Highest Personal Loans: Scotia Bank
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/PersonalandBusinessLoansQ32014vsQ3201
2?:showVizHome=no
Serene Zawaydeh serene.zawaydeh@gmail.com
Personal vs Business
Loans and Deposits
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/LoansandDeposits?
:showVizHome=no
Serene Zawaydeh serene.zawaydeh@gmail.com
5 Banks Combined
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/Total5Banks?:showVizHome=no
Serene Zawaydeh serene.zawaydeh@gmail.com
High Personal Loans… Lower Deposits
Low Business Loans.. Higher Deposits
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/PersonalvsBusinessLoansDeposits?:showVizHome=no
Serene Zawaydeh serene.zawaydeh@gmail.com
High Personal Loans…
Low Personal Deposits
• High mortgages, credit card loans, car loans,
student loans
• Higher personal loans … higher interest
expenses
• Low personal deposits
– Low individual savings
– Low to no interest for deposits at bank
Serene Zawaydeh serene.zawaydeh@gmail.com
Funding Gap
• Crowdfunding campaigns were launched by
individuals and startups seeking funding for their
projects
• Loans to businesses and government can
accelerate economic activity, creating more
projects that generate more revenues, increasing
profitability, while hiring more people, reducing
unemployment, and creating wealth.
Serene Zawaydeh serene.zawaydeh@gmail.com
TD Bank
Balance Sheet Visualization
https://public.tableausoftware.com/views/BalanceSheetVisualization/Bubbles?:showVizHome=no#1
Serene Zawaydeh serene.zawaydeh@gmail.com
Thank You
Serene Zawaydeh
serene.zawaydeh@gmail.com
ca.linkedin.com/in/serenezawaydeh/

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Interactive visualization loans and deposits at big 5 canadian banks - serene zawaydeh

  • 1. Interactive Visualization of Loans and Deposits of Big 5 Canadian Banks Q3 2014 Prepared by Serene Zawaydeh 26-10-14 Using Tableau Public https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/Dashboard1?:showVizHome=no#1 Source of Data: Banks’ Quarterly Results
  • 2. Can we view these figures differently? https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/Figuresmillion?:showVizHome=no Serene Zawaydeh serene.zawaydeh@gmail.com
  • 4. RBC was the leading bank with highest Total Assets in Q3 2012… • Followed by TD Bank, Scotia Bank, BMO, CIBC https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/AssetsQ32012?:showVizHome=no Serene Zawaydeh serene.zawaydeh@gmail.com
  • 5. TD Bank’s Total Assets Exceeded RBC’s in Q3 2014 https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/Assets-BusinessPersonalLoans?:showVizHome=no Serene Zawaydeh serene.zawaydeh@gmail.com
  • 6. A closer look at TD Bank and RBC… TD Bank’s Total Assets Growth Accelerated in Q4 2013, exceeding RBC’s https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/TDBankvsRBC-Q413TDexceedsRBC?:showVizHome=no Serene Zawaydeh serene.zawaydeh@gmail.com
  • 7. Loan to Deposit Ratio Retail versus Businesses https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/LoantoDeposit- PersonalvsBusinessQ32014?:showVizHome=no Serene Zawaydeh serene.zawaydeh@gmail.com
  • 8. Turning Deposits to Loans… TD Bank’s Personal Loans are close to personal deposits.. 3x business loans RBC’s Personal Loans are close to Business Deposits Scotia Bank’s Personal Loans are close to Business + Personal Deposits BMO’s Business Loans twice CIBC’s… CIBC’s Personal Loans 1.2x BMO’s https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/Matrix-BanksQ32014Q32013?:showVizHome=no#1 Serene Zawaydeh serene.zawaydeh@gmail.com
  • 9. Highest Business Deposits: RBC & Scotia Bank Highest Personal Deposits: TD Bank Highest Personal Loans: Scotia Bank https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/PersonalandBusinessLoansQ32014vsQ3201 2?:showVizHome=no Serene Zawaydeh serene.zawaydeh@gmail.com
  • 10. Personal vs Business Loans and Deposits https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/LoansandDeposits? :showVizHome=no Serene Zawaydeh serene.zawaydeh@gmail.com
  • 12. High Personal Loans… Lower Deposits Low Business Loans.. Higher Deposits https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/PersonalvsBusinessLoansDeposits?:showVizHome=no Serene Zawaydeh serene.zawaydeh@gmail.com
  • 13. High Personal Loans… Low Personal Deposits • High mortgages, credit card loans, car loans, student loans • Higher personal loans … higher interest expenses • Low personal deposits – Low individual savings – Low to no interest for deposits at bank Serene Zawaydeh serene.zawaydeh@gmail.com
  • 14. Funding Gap • Crowdfunding campaigns were launched by individuals and startups seeking funding for their projects • Loans to businesses and government can accelerate economic activity, creating more projects that generate more revenues, increasing profitability, while hiring more people, reducing unemployment, and creating wealth. Serene Zawaydeh serene.zawaydeh@gmail.com
  • 15. TD Bank Balance Sheet Visualization https://public.tableausoftware.com/views/BalanceSheetVisualization/Bubbles?:showVizHome=no#1 Serene Zawaydeh serene.zawaydeh@gmail.com