National and Regional Commercial Banks in Australia - Market Research Report

National and Regional Commercial Banks industry trends (2014-2019)

poll Average industry growth 2014–2019: -0.3%

The National and Regional Commercial Banks industry has recorded a decline in industry revenue over the past five years. This decline has largely been due to low interest rates weighing on the industry with the cash rate falling to and remaining at a record low since August 2016. Overall, industry revenue is expected to decline at an annualised 0.3% over the five years through 2018-19, to $152.8 billion. Despite the cash rate remaining unchanged since August 2016, banks have made out-of-cycle interest rate hikes on various mortgage and business lending products. Banks have increased interest rates due to higher capital adequacy requirements, increased funding costs and tighter lending standards over the past two years. These factors are expected to c...
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National and Regional Commercial Banks industry outlook (2019-2024)

poll Average industry growth 2019-2024: x.xlockPurchase this report or a membership to unlock the average company profit margin for this industry.

The National and Regional Commercial Banks industry is projected to grow over the next five years, largely due to increases in interest rates and the growth of banks' lending books. As the economy improves, the RBA is anticipated to start lifting the cash rate to target inflation and to mitigate housing price growth. A higher cash rate is anticipated to curb demand for credit and will likely benefit the industry through higher interest revenue earned on loan portfolios. However, domestic banks are still anticipated to face several challenges over the next five years from higher capital adequacy requirements and potential banking reforms stemming from the Financial Services Royal Commission. Despite potential challenges for the industry, revenue is f...
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National and Regional Commercial Banks industry statistics

  • attach_money Market Size: $153bn
  • business Number of Businesses: 4,878
  • poll Average Industry Profit Margin: x.x%
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  • supervisor_account Industry Employment: 158,444

Biggest companies in the National and Regional Commercial Banks industry

The companies holding the largest market share in the National and Regional Commercial Banks in Australia industry include Commonwealth Bank of Australia, Westpac Banking Corporation, National Australia Bank Limited and Australia and New Zealand Banking Group Limited.

  • pie_chart Commonwealth Bank of Australia Market Share: x.x%
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  • pie_chart Westpac Banking Corporation Market Share: x.x%
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  • pie_chart National Australia Bank Limited Market Share: x.x%
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  • pie_chart Australia and New Zealand Banking Group Limited Market Share: x.x%
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What is National and Regional Commercial Banks industry?

Industry Definition

Industry enterprises are Australian-owned and operated banks engaged in banking activities. National and regional banks primarily generate revenue through interest income on loans, incurring liabilities through accepting deposits and issuing consumer and commercial loans. Industry operators also generate revenue from investments, advances, fees and commission income.

Industry Products and Services

  • Home loans
  • Business loans
  • Personal lending
  • Other
  • All Others

Industry Activities

  • Development bank operations
  • Savings bank operations
  • Trading bank operations

Market research report - table of contents

Industry Definition

Industry enterprises are Australian-owned and operated banks engaged in banking activities. National and regional banks primarily generate revenue through interest income on loans, incurring liabilities through accepting deposits and issuing consumer and commercial loans. Industry operators also generate revenue from investments, advances, fees and commission income.

Main Activities

  • Development bank operations
  • Savings bank operations
  • Trading bank operations

Similar Industries

Additional Resources

Industry Statistics Snapshot

Industry Structure

Executive Summary

Key External Drivers

The interest on banks' lending products is linked with the RBA's cash rate. A higher cash rate typically leads to higher interest rates charged on outstan...
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Cash rate
Number of housing transfers
Residential property yields
Ratio of interest payments to disposable income

Current Performance

Greater competition
 Chart: Revenue Growth

Industry Outlook

Technology
 Table: National and Regional Commercial Banks in Australia - Market Research Report Industry Revenue Outlook

Industry Life Cycle

Life Cycle Reasons
 Chart: Benchmarking - National and Regional Commercial Banks in Australia - Market Research Report Industry Lifecycle vs The Economy

Supply Chain

Key Buying Industries

Mining
Construction in Australia
Professional Services in Australia
Integrated Logistics in Australia
Consumers in Australia


Key Selling Industries

Legal Services in Australia
Accounting Services in Australia
Finance in Australia




Products & Services

The primary source of revenue for industry operators is interest earned on various types of loans like mortgages, business loans and personal loans. Banks...
Businesses
Government and not-for-profit organisations




Demand Determinants

A range of factors influence demand for products provided by domestic banks. The cost of debt relative to the cost of equity is a significant factor drivi...
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Major Markets

Businesses
Government and not-for-profit organisations





 Chart: Major Market Segmentation for the National and Regional Commercial Banks in Australia - Market Research Report Industry

International Trade

Business Locations

Chart: Business Locations by State Chart: Business Locations by State

Market Share Concentration

The National and Regional Commercial Banks industry has high market share concentration, with the four largest players accounting for over 70% of industry...
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Key Success Factors

Cost Structure Benchmarks

Profit, Purchases, Wages, Other Costs
 Chart: Cost Structure Benchmarking – Sector vs National and Regional Commercial Banks in Australia - Market Research Report

Basis of Competition

Internal competition
External competition

Barriers to Entry

 Table: Barriers to Entry Checklist for the National and Regional Commercial Banks in Australia - Market Research Report Industry

Industry Globalization

The Commonwealth Bank of Australia (CBA) is a locally owned publicly listed financial institution providing a full range of financial products and service...
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Commonwealth Bank

 Table: Commonwealth Bank - financial performance

Westpac

 Table: Westpac - financial performance

NAB

 Table: NAB - financial performance

ANZ Banking Group

 Table: ANZ Banking Group - financial performance

Capital Intensity

The National and Regional Commercial Banks industry exhibits a low level of capital intensity. In 2018-19, for every dollar paid as wages, an estimated $0...
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 Chart: Level of Capital Intensity for the National and Regional Commercial Banks in Australia - Market Research Report Industry
 Chart: Tools of the Trade: Growth Strategies for Success

Technology & Systems

Revenue Volatility

Chart: Volatility vs Industry Growth Chart: Volatility vs Industry Growth

Regulation & Policy

Industry Assistance

Table: Industry data Table: Industry Data for the National and Regional Commercial Banks in Australia Industry

Industry Revenue (2007-2025)
Industry Gross Product (2007-2025)
Establishments (2007-2025)
Businesses (2007-2025)
Employment (2007-2025)
Exports (2007-2025)
Imports (2007-2025)
Wages (2007-2025)
Domestic Demand (2007-2025)

Table: Annual Percentage Change for Key Industry Data Table: Annual Percentage Change for Key Industry Data

Table: Key Ratios for Industry Key Dat Table: Key Ratios for Industry Key Data

Table: Industry Financial Ratios Table: Industry Financial Ratios

Liquidity Ratios
Coverage Ratios
Leverage Ratios
Operating Ratios
Cash Flow & Debt Service Ratios (% of Sales)
Assets, %
Liabilities, %

BIG FOUR

CASH RATE

CET1 (COMMON EQUITY TIER 1)

FOUR PILLARS POLICY

NEOBANK

NET INTEREST MARGIN

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Included in Report

  • Industry Financial Ratios
    Industry Financial Ratios
  • Revenue Forecasts
    Revenue Forecasts
  • Historical and Forecast Growth
    Historical and Forecast Growth
  • Industry Market Size
    Industry Market Size
  • Industry Major Players
    Industry Major Players
  • Profitability Analysis
    Profitability Analysis
  • SWOT Analysis
    SWOT Analysis
  • Industry Trends
    Industry Trends
  • Industry Operating Conditions
    Industry Operating Conditions
  • Porter's 5 Forces Analysis
    Porter's 5 Forces Analysis

Why buy this report on the National and Regional Commercial Banks industry?

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This report on National and Regional Commercial Banks in Australia:

  • Provides Market Size information to assist with planning and strategic decisions.
  • Includes the necessary information to perform SWOT, PEST and STEER analysis.
  • Helps you understand market dynamics to give you a deeper understanding of industry competition and the supply chain.
  • Analyses key performance and operational metrics so that you can benchmark against your own business, that of your customers’ businesses, or your competitors’ businesses.

The National and Regional Commercial Banks in Australia market research report includes:

  • Historical data and analysis for the key drivers of this industry
  • A five-year forecast of the market and noted trends
  • Detailed research and segmentation for the main products and markets
  • An assessment of the competitive landscape and market shares for major companies
  • And of course, much more

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