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Saul Perez

Disclosure: I am in full compliance with all ethics and other policies for Market Realist research analysts. I am not invested in securities that I cover on Market Realist.

More From Saul Perez

  • uploads///US Bank Revenue
    Financials

    Analyzing U.S. Bank’s strong 4Q14 results

    U.S. Bank (USB) reported strong 4Q14 results on Wednesday, January 21. The bank reported revenue of $5,169 million for 4Q14. This was a growth of 5.7%.

    By Saul Perez
  • Financials

    Must-know: The future of banking risks and regulations

    Despite Basel III’s shortcomings, you must remember that it wasn’t the Basel norms that precipitated the subprime or global financial crisis. It was the people who didn’t implement the rules properly. Basel III is currently the best possible regulatory framework.

    By Saul Perez
  • uploads///JPM Q Markets Commercial Banking
    Financials

    JPMorgan’s Commercial Banking segment had mild results in the 4Q

    JPMorgan Chase’s (JPM) Commercial Banking segment provides conventional banking services to corporate clients. It’s JPMorgan’s third largest business segment.

    By Saul Perez
  • Financials

    Why Wells Fargo leads in loans

    The bank has always focused on its bread and butter revenue-earning stream: loans. Over the years, Wells Fargo slowly realized its goal of achieving a strong market share in lending.

    By Saul Perez
  • uploads///US Bank Profitability
    Financials

    U.S. Bank’s operational profitability measures were mixed in 4Q14

    For a bank, the core operational profitability measures are net interest income and net interest margins. U.S. Bank’s net interest income grew 2.4% in 4Q14.

    By Saul Perez
  • Financials

    Must-know: Determining a bank’s value

    The first challenge is that banks are highly regulated and any change in regulations has a huge impact on the valuation of a bank—the second challenge is that it’s difficult to determine cash flow for a bank because both debt and reinvestment are difficult to calculate.

    By Saul Perez
  • uploads/// Consumer Banking
    Company & Industry Overviews

    Capital One’s consumer banking business disappointed in 2014

    Overall, Capital One’s consumer banking results were below expectations in 2014. Consumer banking’s total revenue stood at $6,432 million in 2014.

    By Saul Perez
  • uploads///Return on Equity
    Financials

    How did banking sector returns fare in 2014?

    During 2014, return on equity and return on assets both fell for the banking sector.

    By Saul Perez
  • uploads///Residential Mortgage Loans
    Financials

    U.S. Bank’s growth in residential mortgage loans was modest

    At U.S. Bank (USB), residential mortgage loans were $51,872 million at the end of 4Q14. This was a modest growth of 2.2%—compared to 4Q13.

    By Saul Perez
  • Financials

    Why Wells Fargo has the highest net interest margin

    Maintaining a high net interest margin has always been part of Wells Fargo’s (WFC) strategy. Wells Fargo has consistently been better than the industry’s average net interest margin.

    By Saul Perez
  • Financials

    Must-know: Putting the price–to-book value ratio in perspective

    We explored the most commonly used valuation metric for financial companies—the price-book value. We also understood the relation between price-book value and return on equity.

    By Saul Perez
  • Financials

    Must-know: Is Wells Fargo making boring attractive for investors?

    Wells Fargo’s (WFC) broad operation level strategy over the long run can be described by two words—slow and steady. It doesn’t take many risks. It’s stable and boring.

    By Saul Perez
  • uploads///Debt Rating
    Financials

    Why U.S. Bank needs to maintain low-cost funding in 2015

    Low-cost funding helps U.S. Bank maintain better net interest margins. It gives the bank a strong competitive advantage.

    By Saul Perez
  • uploads/// Deposits
    Financials

    Wells Fargo remains number one in low-cost deposits

    Wells Fargo continues to remain a sector leader in raising low-cost deposits. It grew its noninterest deposits by nearly 7.0% compared to 4Q14.

    By Saul Perez
  • Financials

    Why Wells Fargo’s future goals will help it grow more

    Management sets the vision for an organization. Wells Fargo’s vision is large, but it’s already halfway there. Wells Fargo is the largest bank in the U.S.—by market capitalization.

    By Saul Perez
  • uploads/// types of Asset Managers Saul
    Financials

    Traditional assets: Defining active and passive management

    Active asset management refers to those asset managers that essentially try to outperform the average market return, a benchmark, or a hurdle rate that may have been set internally.

    By Saul Perez
  • Financials

    Why low funding cost is an advantage for Wells Fargo

    If a bank is able to keep its cost of deposits low, it will have a competitive advantage. Wells Fargo has the lowest cost of deposits among its peers—despite having a very high deposit base.

    By Saul Perez
  • Financials

    Why Wells Fargo focuses on non-interest income

    Wells Fargo wants to maintain a balance between its interest income from loans and non-interest income. Non-interest income accounts for nearly 49% of Wells Fargo’s revenues.

    By Saul Perez
  • Financials

    Why cross-selling is part of Wells Fargo’s strategy

    Wells Fargo’s (WFC) first, and possibly the most important, operational strategy is focusing on cross-selling. It’s the most important pillar of its operational strategy.

    By Saul Perez
  • Financials

    Why Wells Fargo is leveraging technology to cut costs

    Online banking is the cheapest mode for servicing the customer in the long run. Online banking involves a one-time fixed cost. After that, the maintenance cost is very low.

    By Saul Perez
  • Financials

    Why Wells Fargo uses human resources as a strategic tool

    Wells Fargo (WFC) believes that people are a competitive advantage source. Integrating sound human resource practices lies at the core of Wells Fargo’s strategy.

    By Saul Perez
  • uploads///US Bank Deposit growth
    Financials

    Low-cost deposit growth is a key strength for U.S. Bank

    U.S. Bank does well in increasing its low-cost deposit base. In 4Q14, money market deposits grew the fastest at 19.7%—compared to 4Q13.

    By Saul Perez
  • uploads/// Non Interest Expense
    Company & Industry Overviews

    Capital One’s non-interest expenses are controlled

    For banks, non-interest expenses can be controlled. Controlling non-interest expenses helps a bank have higher net profitability.

    By Saul Perez
  • uploads///Loan by type
    Financials

    How did loan types fare in 2014?

    The individual auto loan was the fastest growing segment in 2014, driven primarily by strong demand, low rates, and banks relaxing lending criteria.

    By Saul Perez
  • Financials

    Must-know: The banking landscape

    There a large number of players that are each vying for share in the same market—there are a few large players who are present across the U.S., but most banks have pockets of strength.

    By Saul Perez
  • uploads///Presence of Asset Managers Saul
    Financials

    The main players in asset management

    The efficient market hypothesis maintains that the market prices everything correctly and so it isn’t possible to outperform the market in the long run.

    By Saul Perez
  • uploads///Total AUM by Type
    Financials

    How big is the asset management industry?

    Audited and verified annual figures at the end of 2013 indicate that total assets under management of US registered investment companies equalled nearly $17.1 trillion.

    By Saul Perez
  • uploads///MF Magellan Assets Saul
    Financials

    The salient features of mutual funds

    There are investors who are willing to take on higher risk to generate above-average market returns. For these investors, active funds offer the optimal investment avenue.

    By Saul Perez
  • uploads///Net Inflows to Index mutual funds Saul
    Financials

    Low cost, human-error-free index funds gain in popularity

    Low cost is one of the reasons we’re seeing growing confidence in index funds. Index funds have experienced net inflows in each of last five years

    By Saul Perez
  • uploads///Comparison of Popular AM Products Saul
    Financials

    Close-ended funds: A niche product for wealthy investors

    Close-ended funds are a cross between actively managed mutual funds and ETFs. But the cost of trading in close-ended funds is much higher.

    By Saul Perez
  • uploads///UIT Comparison with others Saul
    Financials

    The unit investment trust: Asset with an expiry date

    UITs investing in bonds have a predefined rate of return for the duration with regular interest payments. This makes the products suitable for long-term investors, retirees, and pensioners.

    By Saul Perez
  • uploads///UIT AUM Saul
    Financials

    Unit investment trusts seek investors

    Unit investment trusts account for a minuscule 0.05% of the total assets under the traditional investment management space.

    By Saul Perez
  • uploads///Total asset managers Saul
    Financials

    Traditional asset management strong despite challenges

    A number of factors have contributed to the impressive growth in traditional asset management. Yet at the end of the day, the industry has grown so tremendously because asset managers have listened to customers.

    By Saul Perez
  • uploads///Total branches
    Financials

    Banks continued to consolidate branch networks in 2014

    Banks grew their branch networks at a fast clip from 2000 to 2010. Over the last five years, more banks have been cutting down on the number of branches.

    By Saul Perez
  • uploads///Efficiency ratio
    Financials

    Were banks more efficient in 2014?

    In 2014, the banking sector saw increasing efficiency, which saw the long-term trend of efficiency ratios declining.

    By Saul Perez
  • uploads///LD ratio
    Financials

    Loan-to-deposit ratio remained weak in 2014

    The Bank of America (BAC), Wells Fargo (WFC), and JPMorgan (JPM), three of the big four, have seen the LDR fall in 2014.

    By Saul Perez
  • uploads/// Performance of big  in
    Financials

    Wells Fargo: Best performing stock of the big four

    Wells Fargo was the best performing stock among the big four banks in 2014. It outperformed the other three banks in a range of 6% to 14%.

    By Saul Perez
  • uploads/// Loan Segments Q
    Financials

    Wells Fargo continues to impress with consumer loan growth

    Wells Fargo’s largest line of consumer loans is its first family mortgages. Those loans stood at $265.4 billion in 4Q14, a growth of 1.9% compared to 4Q13.

    By Saul Perez
  • uploads/// Loan Segments Q
    Financials

    Credit card loan growth strong for Wells Fargo in 4Q14

    Total credit card loans outstanding at Wells Fargo stood at $31.12 billion at the end of 4Q14. This was a growth of 16% compared to 4Q14.

    By Saul Perez
  • uploads/// C I Loan Growth Q
    Financials

    Wells Fargo’s commercial loan segment is the star of 4Q14

    Total commercial loans outstanding at Wells Fargo stood at $414.83 billion at the end of 4Q14. This was nearly 48.09% of Wells Fargo’s total loan book.

    By Saul Perez
  • uploads///MF Income Cost Saul
    Financials

    Show it: How mutual funds make money

    In return for investing a client’s money, mutual funds charge a fee, generally an annual fee set as a percentage of the client’s assets. This fee is the only source of income for a mutual fund-focused asset manager.

    By Saul Perez
  • uploads///JPM PE
    Financials

    JPMorgan’s Private Equity segment was a money spinner in the 4Q

    JPMorgan’s last business segment is Corporate/Private Equity. This business segment derives its revenue from JPMorgan’s private equity and corporate functions.

    By Saul Perez
  • uploads///US Bank Non Interest Income
    Financials

    U.S. Bank’s non-interest income was impressive in 4Q14

    U.S. Bank (USB) has a balanced revenue profile. U.S. Bank’s non-interest income, also called fee income, accounts for nearly 45% of the bank’s revenue.

    By Saul Perez
  • uploads///US Bank NPA
    Financials

    U.S. Bank’s non-performing assets declined in 4Q14

    U.S. Bank’s (USB) non-performing assets were $1,808 million at the end of 4Q14. The ratio declined by 11.24%—compared to 4Q13.

    By Saul Perez
  • uploads///Index Inex to total MF Saul
    Financials

    Index funds offer innovative products, remain competitive

    Index funds’ product offerings have evolved. For example, funds based on sector indices have been created, such as the First Trust NYSE Arca Biotechnology Index Fund.

    By Saul Perez
  • uploads///Benefits of Alternates
    Financials

    How investors benefit from alternative assets

    Despite a unique set of risks, alternative assets provide tools to sophisticated investors to improve the risk-return tradeoff in their portfolios.

    By Saul Perez
  • uploads/// Alternates
    Financials

    Private equity, hedge funds, and other alternative assets

    Private equity is capital invested in companies that aren’t listed on stock exchanges. These alternative assets include venture capital.

    By Saul Perez
  • uploads///Alternates vs traditional
    Financials

    The defining aspects of alternative assets

    Defining alternative assets accurately is difficult, and consensus is hard to find. An important feature of these assets is that they’re actively managed.

    By Saul Perez
  • uploads///Main Playersof Alternates
    Financials

    The many players in alternative asset management

    Some players are present across the spectrum of alternative assets, but most alternative asset managers are present only in a particular asset area.

    By Saul Perez
  • uploads///Alternates Mkt Share Saul
    Financials

    The relative share of the alternative asset management space

    Alternative assets account for about 10% of the total global asset management industry that’s valued at $63.9 trillion. Private equity contributes most.

    By Saul Perez
  • uploads///Pension funds in Alternates
    Financials

    Growing institutional interest in alternative assets

    Pension funds are responsible for 33% of all investments in alternative assets, making them the biggest institutional player in this class.

    By Saul Perez
  • uploads///Addtiton to ETF Alternatives
    Financials

    Alternative asset managers open the door to retail investors

    Retail investors are more aware about the benefits of alternative assets. In 2014, investments in alternative-focused ETFs increased by nearly 50%.

    By Saul Perez
  • uploads///Breakdown of Alternatives
    Financials

    Alternative assets likely to see contined growth in coming years

    Until now, the clientele for alternative assets was limited. To capture future growth, companies will need to build strong brands and reach more investors.

    By Saul Perez
  • uploads///Top  concentration Alternatives Traditional
    Financials

    Alternative asset management trends in 2015

    One defining trend to expect in the alternative asset management sector is increased consolidation. Economies of scale will enable operational cost savings.

    By Saul Perez
  • uploads///JPM Q Banking CIB
    Financials

    Results for JPMorgan’s Corporate & Investment Bank sub-segment

    The Corporate & Investment Bank business segment is JPMorgan Chase’s (JPM) second largest segment—by sales and profits.

    By Saul Perez
  • uploads///JPM Q Net Income Consumer Community
    Financials

    JPMorgan’s Consumer & Community Banking segment’s results

    The Consumer & Community Banking segment provides services to retain customers and communities. The fourth quarter wasn’t good for this segment.

    By Saul Perez
  • uploads///JPM  largest Auto Exposure Saul
    Financials

    JPMorgan’s retail-focused sub-segment declined in the 4Q

    The Card, Merchant & Auto sub-segment provides credit card, merchant payment systems, and auto loans to a wide variety of clients.

    By Saul Perez
  • uploads///JPM Q Markets CIB
    Financials

    JPMorgan’s market and investor services were hit in the 4Q

    In market and investor services, the best performing product was equity markets. Equity markets’ revenue was $1.1 billion. This was a handsome rise of 25% YoY.

    By Saul Perez
  • uploads///JPM Employee Reduction
    Financials

    Analyzing the negative trends in JPMorgan’s 4Q results

    There were many negatives for JPMorgan in the fourth quarter. We’ll look at the two main negative trends. They were a drag on JPMorgan’s performance.

    By Saul Perez
  • uploads///USB Geographical
    Financials

    A brief overview of U.S. Bank

    We’ll provide an overview of U.S. Bank. It’s the fifth largest retail bank in the US—by deposits and assets. At the end of September 2014, it held $391 billion in assets.

    By Saul Perez
  • uploads///Commercial Loans
    Financials

    Commercial loans were positive for U.S. Bank in 4Q14

    The commercial loan segment is U.S. Bank’s biggest loan segment. Commercial loans accounts for nearly 30% of U.S. Bank’s total loan book.

    By Saul Perez
  • uploads///US Bank Loan book growth
    Financials

    Why U.S. Bank’s loan growth showed interesting trends

    You need to understand loan categories better in order to see some very interesting trends in U.S. Bank’s loan growth. Its loans are divided into five main categories.

    By Saul Perez
  • uploads///US Bank Efficiency Ratio
    Financials

    Efficiency ratio improved for U.S. Bank in 4Q14

    U.S. Bank led the industry in terms of the bank efficiency ratio. At the end of 4Q14, the sector efficiency ratio was 68.66%.

    By Saul Perez
  • uploads///US Bank Non Interest Expense
    Financials

    Why U.S. Bank’s non-interest expenses rose in 4Q14

    For banks, non-interest expenses are similar to operating costs for other companies. Controlling non-interest expenses helps a bank have higher net profitability.

    By Saul Perez
  • uploads///US Bank Loans Deposits
    Financials

    U.S. Bank’s loans and deposits stayed strong in 4Q14

    On the loans front, U.S. Bank had a loan book of $246.4 billion at the end of 4Q14. This was a growth of 5.9%—compared to 4Q13.

    By Saul Perez
  • uploads///US Bank RoE
    Financials

    U.S. Bank’s return on equity and assets fell in 4Q14

    U.S. Bank’s (USB) return on equity was 14.4% at the end of 4Q14. This was lower than a return on equity of 15.4% at the end of 4Q13.

    By Saul Perez
  • uploads///Other Retail Loans
    Financials

    U.S. Bank’s retail loans performed well in 4Q14

    Retail loans account for close to 11% of U.S. Bank’s total loan book. It’s a big focus for most of the banks in the Financial Select Sector SPDR (XLF).

    By Saul Perez
  • uploads///Credit card Loans
    Financials

    Why U.S. Bank’s credit card loan growth was moderate in 4Q14

    U.S. Bank’s (USB) credit card loan book was $17,990 million at the end of 4Q14. Credit card loans accounted for nearly 7% of U.S. Bank’s total loan book.

    By Saul Perez
  • uploads/// Wealth Brokerage Banking Q
    Financials

    Wealth, brokerage, and retirement performed well for Wells Fargo

    Wells Fargo’s wealth, brokerage, and retirement segment reported net income of $514 million in 4Q14. This was an increase of nearly 5% compared to 4Q13.

    By Saul Perez
  • uploads/// Payout ratios
    Financials

    Wells Fargo’s payout ratios improve in 4Q14

    Wells Fargo’s payout ratios improved in 2014. Dividend payout ratio rose 34% in 4Q14 compared to 29% in 4Q13 due to the bank’s strong capital position.

    By Saul Perez
  • uploads/// Tier
    Financials

    Wells Fargo’s Tier 1 capital position: One of the best

    Wells Fargo’s Tier 1 capital declined in 2014, but it’s not an indicator of weakness. The bank had capital far in excess of regulatory requirements.

    By Saul Perez
  • uploads/// NPA
    Financials

    Wells Fargo’s nonperforming assets drop: Why that’s significant

    Wells Fargo’s nonperforming assets were $15.5 billion for 4Q14, a fall of $739 million from 3Q14. The drop was in nonaccrual loans and foreclosed assets.

    By Saul Perez
  • Financials

    Must-know: Traditional banks face challenges

    When a borrower isn’t able to pay back the loan, the loan is considered a non-performing asset (or NPA)—since the money for lending came from a depositor, the bank needs a large enough pool of capital to withstand such a shock.

    By Saul Perez
  • Financials

    Must-know: Why the FDIC is the second major banking regulator

    The Federal Deposit Insurance Corporation (or FDIC) is the second most important banking regulator in the U.S. The FDIC directly examines and supervises more than 4,500 banks and savings banks for operational safety and soundness.

    By Saul Perez
  • uploads///PBV
    Financials

    Why the price-to-book value ratio’s the most used valuation

    The price-book value ratio is the ratio of the market value of equity to the book value of equity. Price stands for the current market price of a stock. Book value is the total assets minus liabilities, or net worth, which is the accounting measure of shareholders’ equity in the balance sheet.

    By Saul Perez
  • uploads///
    Company & Industry Overviews

    Acquisitions Should Be Treated with Circumspection

    Wells Fargo has always been smart about acquisitions. The same can be said of some of Berkshire’s other holdings such as IBM (IBM) and Coca-Cola (KO).

    By Saul Perez
  • uploads///
    Company & Industry Overviews

    Borrowing to Invest Does More Harm Than Good

    Borrowing to invest is no way to make money, says Warren Buffet in one of his many letters to Berkshire Hathaway investors.

    By Saul Perez
  • uploads///
    Company & Industry Overviews

    Risk Is a Permanent Loss of Capital

    If investors fear price volatility, erroneously viewing it as a measure of risk, they may end up doing some very risky things.

    By Saul Perez
  • uploads///
    Company & Industry Overviews

    Big Investors Have No Real Advantage over Small Investors

    Big investors are likely to have more biases. The most important of these biases is the bigger investors’ self-perceived authority to invest.

    By Saul Perez
  • uploads///
    Company & Industry Overviews

    Free Cash Generating Businesses Are Best

    Investor Warren Buffett believes that the primary objective of any good business should be to generate lots of free cash.

    By Saul Perez
  • uploads///
    Company & Industry Overviews

    Management Is of Paramount Importance

    Would you trust a thoroughbred to win if it had an average or worse, a poor jockey? No, you wouldn’t. It’s the same thing with the management of a company.

    By Saul Perez
  • uploads///
    Company & Industry Overviews

    Price Is What You Pay—Value Is What You Get

    Will the future growth justify the current price? If the price is much higher, then it’s best to avoid investing.

    By Saul Perez
  • uploads///
    Company & Industry Overviews

    Long-Term Investing Pays the Best

    Most of the money Buffett made in stocks including Wells Fargo & Co. (WFC), Coca-Cola (KO), and IBM (IBM) is the result of long-term investing.

    By Saul Perez
  • uploads///
    Company & Industry Overviews

    Stocks Beat Bonds over the Long Run By a Big Margin

    The majority of investors believe bonds are safer than stocks. The main reason is that bonds pay regular interest.

    By Saul Perez
  • uploads///
    Company & Industry Overviews

    The Buffett Letters: 10 Commandments to Investors

    We all know what a great investor Warren Buffett is. His investing prowess is unmatched. And each one of his letters is packed with words of wisdom.

    By Saul Perez
  • uploads/// Commercial Banking
    Company & Industry Overviews

    Capital One’s commercial banking loan growth is on track

    Commercial banking is used to provide lending and depository services, treasury management, and private banking and wealth management services.

    By Saul Perez
  • uploads/// Deposits
    Company & Industry Overviews

    Strength in numbers: Capital One has a healthy deposit base

    Over the years, Capital One’s deposit base increased at a steady rate. At the end of 2014, its total deposits stood at $246.34 billion. It was an increase of 9.41%.

    By Saul Perez
  • uploads/// Securities Growth
    Macroeconomic Analysis

    What are the recent trends in US Treasury holdings growth?

    US Treasury holdings growth has been huge in 4Q14 at $405.35 billion, an absolute increase of nearly $60 billion.

    By Saul Perez
  • uploads/// Trading Assets by Bank Size
    Macroeconomic Analysis

    What are the trends in trading assets?

    As banks get smaller, trading assets decline significantly. Banks with an asset size lower than $500 million have negligible trading assets.

    By Saul Perez
  • uploads/// Trading Assets
    Macroeconomic Analysis

    Why trading assets are an important indicator for banks

    Total trading assets at banks stood at $655 billion at the end of 2014. Trading assets have increased by 24 basis points since 2Q14.

    By Saul Perez
  • uploads/// Performance in
    Company & Industry Overviews

    Valuation of PNC Bank is close to historical mean

    PNC stock was trading at a PBV ratio of 0.75 in November 2012. Since then, the stock has seen a smart move up and trades at a PBV multiple of ~1.08.

    By Saul Perez
  • uploads/// Strengths Weaknesses
    Company & Industry Overviews

    PNC Bank’s financial strengths outweigh its weaknesses

    PNC Bank has done a good job at reducing its non-interest expenses, but the bank’s efficiency ratio still remains above 60%.

    By Saul Perez
  • uploads/// RoE
    Company & Industry Overviews

    PNC Bank sees improved return on equity

    PNC Bank improving its ROE to above 9% and is now outperforming the sector averages in this important return indicator.

    By Saul Perez
  • uploads/// NPA
    Company & Industry Overviews

    Non-performing assets are at a manageable level

    PNC Bank saw a declining trend in non-performing assets in the medium term and reported declining NPA for 12 continuous quarters.

    By Saul Perez
  • uploads/// Loans by Size
    Macroeconomic Analysis

    Why loans are the most important earning asset for smaller banks

    Loans as assets are less important for larger banks, as large banks tend to have a more diversified asset portfolio.

    By Saul Perez
  • uploads/// Intnl Credit Card
    Company & Industry Overviews

    A legacy – Capital One’s credit card business

    The credit card business is Capital One’s oldest and the most important business. It’s a business where the bank enjoys significant competitive advantages.

    By Saul Perez
  • uploads/// Domestic Credit Card
    Company & Industry Overviews

    Money spinner – Capital One’s domestic credit card business

    The total revenue from Capital One’s domestic credit card business was $13,621 million. This was a decrease of 4.66%—compared to 2013.

    By Saul Perez
  • uploads/// Total Loans
    Macroeconomic Analysis

    Why loan assets are gaining importance in the banking sector

    In recent years, trading assets had grown in importance, but after the sub-prime crisis, the importance of loan assets increased again.

    By Saul Perez
  • uploads/// Earning Assets
    Macroeconomic Analysis

    How have individual banks fared in earning assets?

    Nearly 90% of Wells Fargo’s (WFC) assets are earning assets. This makes it the bank with the largest percentage of earning assets among the big four banks.

    By Saul Perez
  • uploads/// Total Earning Assets by Bank Category
    Macroeconomic Analysis

    Earning assets: What do trends indicate?

    There are four banks with asset sizes greater than $1 trillion. Larger banks tend to have lower earning assets.

    By Saul Perez
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