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...KeyCorp is a bank holding company. Through its principal subsidiary, KeyBank National Association and certain other subsidiaries, the company has the following main business segments: Consumer Bank, which serves individuals and small businesses by providing a variety of deposit and investment products, personal finance and financial wellness services, lending, mortgage and home equity, student loan refinancing, credit card, treasury services, and business advisory services; and Commercial Bank, which is focused principally on serving the needs of middle market clients in the following industry sectors, including consumer, energy, healthcare, industrial, public sector, real estate, and technology.
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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