interactive visualization loans and deposits at big 5 canadian banks - serene zawaydeh

Interactive Visualization

of Loans and Deposits of Big 5 Canadian Banks

Q3 2014

Prepared by

Serene Zawaydeh

26-10-14

Using Tableau Public

https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/Dashboard1?:showVizHome=no#1

Source of Data: Banks’ Quarterly Results

Can we view these figures differently?

https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/Figuresmillion?:showVizHome=no

Serene Zawaydeh serene.zawaydeh@gmail.com

Dashboard

https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/Dashboard1?:showVizHome=no

Serene Zawaydeh serene.zawaydeh@gmail.com

RBC was the leading bank with highestTotal Assets in Q3 2012…

• Followed by TD Bank, Scotia Bank, BMO, CIBC

https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/AssetsQ32012?:showVizHome=no

Serene Zawaydeh serene.zawaydeh@gmail.com

TD Bank’s Total Assets Exceeded RBC’s in Q3 2014

https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/Assets-BusinessPersonalLoans?:showVizHome=no

Serene Zawaydeh serene.zawaydeh@gmail.com

A closer look at TD Bank and RBC…

TD Bank’s Total Assets Growth Accelerated in Q4 2013, exceeding RBC’s

https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/TDBankvsRBC-Q413TDexceedsRBC?:showVizHome=noSerene Zawaydeh serene.zawaydeh@gmail.com

Loan to Deposit Ratio Retail versus Businesses

https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/LoantoDeposit-

PersonalvsBusinessQ32014?:showVizHome=no

Serene Zawaydeh serene.zawaydeh@gmail.com

Turning Deposits to Loans… TD Bank’s Personal Loans are close to personal deposits.. 3x business loans

RBC’s Personal Loans are close to Business Deposits

Scotia Bank’s Personal Loans are close to Business + Personal Deposits

BMO’s Business Loans twice CIBC’s… CIBC’s Personal Loans 1.2x BMO’s

https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/Matrix-BanksQ32014Q32013?:showVizHome=no#1

Serene Zawaydeh serene.zawaydeh@gmail.com

Highest Business Deposits: RBC & Scotia Bank

Highest Personal Deposits: TD Bank

Highest Personal Loans: Scotia Bank

https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/PersonalandBusinessLoansQ32014vsQ3201

2?:showVizHome=no

Serene Zawaydeh serene.zawaydeh@gmail.com

Personal vs BusinessLoans and Deposits

https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/LoansandDeposits?

:showVizHome=no

Serene Zawaydeh serene.zawaydeh@gmail.com

5 Banks Combined

https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/Total5Banks?:showVizHome=no

Serene Zawaydeh serene.zawaydeh@gmail.com

High Personal Loans… Lower Deposits

Low Business Loans.. Higher Deposits

https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/PersonalvsBusinessLoansDeposits?:showVizHome=no

Serene Zawaydeh serene.zawaydeh@gmail.com

High Personal Loans…

Low Personal Deposits

• High mortgages, credit card loans, car loans,

student loans

• Higher personal loans … higher interest

expenses

• Low personal deposits

– Low individual savings

– Low to no interest for deposits at bank

Serene Zawaydeh serene.zawaydeh@gmail.com

Funding Gap• Crowdfunding campaigns were launched by

individuals and startups seeking funding for their

projects

• Loans to businesses and government can

accelerate economic activity, creating more

projects that generate more revenues, increasing

profitability, while hiring more people, reducing

unemployment, and creating wealth.

Serene Zawaydeh serene.zawaydeh@gmail.com

TD BankBalance Sheet Visualization

https://public.tableausoftware.com/views/BalanceSheetVisualization/Bubbles?:showVizHome=no#1

Serene Zawaydeh serene.zawaydeh@gmail.com

Thank You

Serene Zawaydeh

serene.zawaydeh@gmail.com

ca.linkedin.com/in/serenezawaydeh/