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Commercial Banking Performance — 4th Quarter 2016

Commercial LOBs saw double-digit earnings growth in 4Q16, with strong NIM improvement and a return to stable provision – but also slowing of loan growth.

Overall 4Q16 Results: Net Income was up 12% with ROA rising to 132 bp and NIM to 251 bp. The gap between loan growth and deposit growth narrowed as loan growth fell to single digits versus a year ago while deposit growth rose to 4% YoY. Looking Ahead: Loan growth continued to slow, with the weakest growth being C&I. While CRE growth has outpaced C&I growth for the last several quarters we may begin to see this gap close as (1) some banks tightened underwriting standards on CRE loans in 4Q16, (2) banks may began to ease standards on C&I ...

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