Reanalyzing Bank Profitability: Funding Advantages, NIMs, and Peak Profitability Amid Rate Changes
One of the biggest historical differentiators between strong and weak banking franchises was the deposit base. With interest rates so low for so long, however, deposit cost advantages had largely disappeared. With interest rates trending higher, funding costs are coming back into the forefront, and it is imperative for investors to understand exactly how rising rates affect profitability, and to be able to pick winners and losers in the current rising rate environment. Overall, after an extensiv...Citigroup is a financial services holding company whose businesses provide consumers, corporations, governments and institutions with a range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, trade and securities services and wealth management. The company operates via two primary business segments: Global Consumer Banking, which provides banking services to retail customers through retail banking, Citi-branded cards and Citi retail services; and Institutional Clients Group, which includes banking and markets and securities services.
Morningstar, Inc. is a leading provider of independent investment research in North America, Europe, Australia, and Asia. The company offer an extensive line of products and services for individual investors, financial advisors, asset managers, and retirement plan providers and sponsors.
Morningstar provides data on approximately 530,000 investment offerings, including stocks, mutual funds, and similar vehicles, along with real-time global market data on more than 18 million equities, indexes, futures, options, commodities, and precious metals, in addition to foreign exchange and Treasury markets. Morningstar also offers investment management services through its investment advisory subsidiaries and had approximately $185 billion in assets under advisement and management as of June 30, 2016.
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