interactive visualization loans and deposits at big 5 canadian banks - serene zawaydeh
TRANSCRIPT
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 [email protected]
Dashboard
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/Dashboard1?:showVizHome=no
Serene Zawaydeh [email protected]
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 [email protected]
TD Bank’s Total Assets Exceeded RBC’s in Q3 2014
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/Assets-BusinessPersonalLoans?:showVizHome=no
Serene Zawaydeh [email protected]
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 [email protected]
Loan to Deposit Ratio Retail versus Businesses
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/LoantoDeposit-
PersonalvsBusinessQ32014?:showVizHome=no
Serene Zawaydeh [email protected]
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 [email protected]
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 [email protected]
Personal vs BusinessLoans and Deposits
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/LoansandDeposits?
:showVizHome=no
Serene Zawaydeh [email protected]
5 Banks Combined
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/Total5Banks?:showVizHome=no
Serene Zawaydeh [email protected]
High Personal Loans… Lower Deposits
Low Business Loans.. Higher Deposits
https://public.tableausoftware.com/views/InteractiveVisualizationofSelectedBalanceSheetItemsforCanadianBanksQ32014/PersonalvsBusinessLoansDeposits?:showVizHome=no
Serene Zawaydeh [email protected]
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 [email protected]
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 [email protected]
TD BankBalance Sheet Visualization
https://public.tableausoftware.com/views/BalanceSheetVisualization/Bubbles?:showVizHome=no#1
Serene Zawaydeh [email protected]
