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Commercial Banking Performance — 2nd Quarter 2017

Commercial ROA continues to improve despite weak deposit and lending growth.

Trends ROA Rising: ROA has risen 37 bps from the five-year low of 1% in 1Q16. It is now at 137 bps for the quarter, returning to pre-2015 levels. NIM increases and provision expense decreases have largely driven this improvement. Net income for the last twelve months grew 19.4% vs. LTM 2Q16. NIM Rising: NIM has risen by 13 bps since the start of the rising rate environment (Target FF +100bp, 3-mo LIBOR +89bp), although some banks have capitalized on the rising rate environment more than others. The NIM expansion is largely due to Commercial LOBs holding standard deposit rates ...

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