Table of Contents
- Scope and Themes
- What you need to know
- Scope of the report
- Abbreviations and terms
- Terms
- Executive Summary
- Top trends and issues in the industry
- Economic and financial overview
- Mortgage and insurance markets
- Credit and debit
- Competitive trends
- Canadian banking customers are loyal
- Personal service is important
- The consumer and online banking
- Opportunities for organic growth
- Overview of the Canadian Banking Sector
- History
- Figure 1: Distribution of deposit-taking institution branches in Canada,
2003
- Domestic vs. foreign, and new competitors
- Figure 2: Real value of services produced (VSP) by type of institution,
1997 and 2004
- Figure 3: Market share by type of institution, Canada, 1997-2004
- Figure 4: Market share of real value of services produced (vsp) by
business line, Canada, 1997 to 20041
- Income from traditional sources
- Figure 5: Financial institution income from traditional sources,
1995-2003
- Domestic bank non-interest income results align with Canadian stock indexes
- Figure 6: Non-interest income for Canadian financial institutions,
1996-2004
- Market Drivers
- Demographic market drivers
- Figure 7: Components of Canadian population growth, July 2005-June 2006
- Aging
- Figure 8: Median age of the Canadian population, 1921-2004
- Figure 9: Population, median age and age distribution, Canada,1946 to
2056
- International banking penetration--a comparison
- Figure 10: Percentage of population with an account at a financial
institution, by country, 2005
- Economic market drivers
- Figure 11: Composite Economic Indexes, September 2005-September 2006
- Effects of the U.S. economy on the Canadian financial sector
- Figure 12: Selected interest rates, 2001-05
- Figure 13: Canadian conventional one-, three- and five-year mortgage
rates, 1996-2006
- Canadian GDP
- Figure 14: Canadian gross domestic product, annualized, quarter to
quarter change, 2003-06
- New mortgage loan products available in Canada
- Figure 15: Chartered bank administered interest rate--prime rate,
1996-2006
- Canadian GICs
- Technological market drivers
- Finance, marketing and technology
- Figure 16: Chronology of advances in Canadian banking, 1968-2005
- The Internet and online banking
- Figure 17: Percentage of adult Canadians using the Internet, 2005
- Figure 18: Concerns about online banking, 2005
- Figure 19: Potential steps to increase trust and protect privacy, 2005
- Figure 20: Reasons adult home Internet users go online, 2005
- Figure 21: Characteristics of individuals using the Internet in Canada,
2005
- Household statistics
- Household debt to service ratio
- Figure 22: Household debt and assets as a percentage of disposable
income, 1965-2005
- Household savings
- Figure 23: Household savings as a percentage of disposable income,
1960-2005
- Housing prices
- Immigration
- Figure 24: Percentage of visible minorities in metropolitan areas, 2001
and 2017(proj.)
- Banks targeting new immigrants
- Figure 25: Ranking of banking institutions by share of primary
relationships for ethnic groups, 2005
- India
- China
- Banks in the sub-prime sector
- Low-cost accounts
- Figure 26: Designated ' low-cost account' features, 2006
- Automated Banking Machines (ABMs)
- Figure 27: Number of bank-owned ABMs in Canada, 1995-2005
- Figure 28: ABM statistics, 2005
- Regulatory issues
- Basel II accord
- Market Size and Segmentation
- Figure 29: Canadian market share of domestic assets, deposits, consumer
credit and mortgages, by banking type. 2005
- Figure 30: Market share of Canadian banking institutions as of Q4 2005
- Figure 31: Canadian financial institution market share of total banking
assets, by type of institution, 2005
- Sub-sectors of Canada' s finance and insurance sector
- Canadian financial sector quick facts and statistics
- The chartered banks
- The ' Big Six'
- Figure 32: Canadian domestic banks by type of company, 2006
- Foreign banks operating in Canada
- Provincial cooperative credit associations
- Trust companies
- Loan companies
- Regulatory environment, financial standards and associations
- Notable financial regulatory amendments
- CDIC
- OSFI
- Insurance product networks
- Mortgage insurance
- Domestic market shares
- Trust companies
- Market share for Registered Retirement Savings Plan assets
- Figure 33: Financial institution market share for RRSP accounts, 2005
- Mortgages and mortgage-backed securities
- Figure 34: Total outstanding balances of residential mortgage credit by
institution type, 2000-05
- Consumer credit excluding mortgages
- Figure 35: Graph: Market share for consumer credit excluding mortgages,
by type of institution, 2005
- Competitive Landscape
- Figure 36: The Top 25 Boards Ranked by Canada Business Online-2006
(financial companies only)
- Figure 37: Top Six Chartered Banks by Net Income, 2003-05
- Canadian banks abroad
- Figure 38: Assets owned abroad by Canadian financial institutions,
1996-2004
- Chartered bank mergers
- Canadian chartered bank market shares
- Figure 39: Canadian banks ranking by assets, 2005
- Figure 40: Top six banks ranked by deposits/savings, 2005
- The financial co-Operatives, credit unions and caisses populaires
- Figure 41: Number of credit unions in Canada, 1987-2005
- Figure 42: Canadian credit union ranking by revenue, year-end 2005
- Advertising and Promotion
- Top direct mailers 2006
- Figure 43: Top ten Canadian banking acquisition direct mailers, Q1--Q3
2006
- Figure 44: Top ten Canadian banking portfolio direct mailers, Q1--Q3 2006
- Notable banking direct mailers 2006
- Figure 45: Notable mailers of 2006
- ING Direct
- Figure 46: ING Direct Investment Savings Account acquisition mailing,
September 2006
- Figure 47: Royal Bank No Limit Account acquisition mailing, September
2006
- Figure 48: Royal Bank No Limit Account acquisition mailing (continued),
September 2006
- Figure 49: President' s Choice Federal No Fee Bank Account
retention/cross-sell mailing, October 2006
- Top credit card mailers
- Figure 50: Top Canadian credit card acquisition mailers, July 2005
through September 2006
- Notable credit card mailers, 2006
- Figure 51: Capital One Gold Mastercard, 2006
- Figure 52: American Express Air Miles Card, 2006
- Television advertising
- Figure 53: Bank of Montreal, 2006
- Figure 54: Assurances Banque Nationale, 2006
- Figure 55: BMO Bank of Montreal, 2006
- Figure 56: CIBC bank, 2006
- Figure 57: HSBC (corporate), 2006
- Figure 58: Royal Bank of Canada, 2006
- Figure 59: Scotiabank, 2006
- Figure 60: TD Canada Trust Bank, 2006
- The Consumer
- Summary
- Canadian banking customers are loyal
- How and where they do their banking
- Why consumers choose a bank
- Number of banking relationships
- Mintel' s Canadian banking consumer survey
- Type of banking institution preferred
- Figure 61: Type of institution for primary banking relationship,
December 2006
- Figure 62: Type of institution for primary banking relationship,
December 2006
- Figure 63: Type of institution for primary banking relationship,
December 2006
- Figure 64: Type of institution for primary banking relationship, by
province, December 2006
- Primary influence in choice of bank
- Figure 65: Primary influence in choice of bank, by gender, December 2006
- Figure 66: Primary influence in choice of bank, by age, December 2006
- Figure 67: Primary influence in choice of bank, by income, December 2006
- Figure 68: Primary influence in choice of bank, by province, December
2006
- Number of banking relationships
- Figure 69: Number of bankig relationships, by gender, December 2006
- Figure 70: Number of banking relationships, by age, December 2006
- Figure 71: Number of bankig relationships, by income, December 2006
- Type of accounts at primary bank
- Figure 72: Type of accounts at primary bank, by gender, December 2006
- Figure 73: Type of accounts at primary bank, by age, December 2006
- Figure 74: Type of accounts at primary bank, by income, December 2006
- Types of accounts at other institutions
- Figure 75: Type of accounts at any financial services company other than
primary institution, by gender, December 2006
- Figure 76: Type of accounts at any financial services company other than
primary institution, by age, December 2006
- Figure 77: Type of accounts at any financial services company other than
primary institution, by income, December 2006
- Importance of banking services
- Figure 78: Importance of banking services, overall, December 2006
- Figure 79: Importance of banking services, males, December 2006
- Figure 80: Importance of banking services, females, December 2006
- Switching frequency
- Figure 81: Frequency respondents have changed banks in last five years,
by gender, December 2006
- Figure 82: Frequency respondents have changed banks in last five years,
by age, December 2006
- Figure 83: Frequency respondents have changed banks in last five years,
by income, December 2006
- Why respondents would switch
- Figure 84: Products/services that would potentially influence
respondents to switch banks, by gender, December 2006
- Figure 85: Products/services that would potentially influence
respondents to switch banks, by age,
- Figure 86: Products/services that would potentially influence
respondents to switch banks, by income, December 2006
- Other consumer surveys
- Age and finance
- Figure 87: How young Canadians learn about savings and bank accounts,
2006
- Figure 88: Average age for opening first bank account, 2006
- Figure 89: Reason for opening first bank account, 2006
- Financial Consumer Banking Preferences
- Figure 90: Canadians' primary methods of banking, 2005
- Figure 91: Canadians' primary means of bill payment, 2005
- Payment method preferences
- Figure 92: Preferred payment methods for consumers, 1998--2004
- Figure 93: Estimated volume of transactions at point of sale, by payment
method, 1997-2004
- Figure 94: Consumer preferences for payment method by transaction value,
2005
- Future Trends
- Bank earnings growth likely to slow
- Bank of Montreal Outlook
- CIBC Outlook
- Figure 95: CIBC Economic Outlook, 2005-07
- CDIC Outlook
- The Bank of Canada Outlook
- National Bank of Canada Outlook
- Future financial institution expansion strategies and capital use
- Demographic trends changing the future customer base
- The importance of technological innovation
- Figure 96: Potential steps to increase trust and protect privacy, 2005
- Organic growth and expansion--the "booming" and the "struggling" provinces
- Global economics in 2007
- New sources of competition
- Appendix: Trade Associations
|
Related Report
|
View Cart
