Executive Summary 5
Table: Levels (AUDbn) 5
Table: Levels (US$bn) . 5
Table: Levels At March 2012 5
Table: Annual Growth Rate Projections 2012-2016 (%) 6
Table: Ranking Out Of 59 Countries Reviewed In 2011 6
Table: Projected Levels (AUDbn) . 6
Table: Projected Levels (US$bn) 6
SWOT Analysis 7
Australia Commercial Banking SWOT 7
Australia Political SWOT . 8
Australia Economic SWOT 9
Australia Business Environment SWOT 10
Business Environment Outlook 11
Commercial Banking Business Environment Rating 11
Table: Commercial Banking Business Environment Ratings 11
Commercial Banking Business Environment Rating Methodology 12
Table: Developed States Commercial Banking Business Environment Ratings . 13
Global Commercial Banking Outlook 14
Regional Banking Sector Outlook 22
Developed States Banking Sector Forecast Overview – Q3 2012 . 22
Table: Banks'' Bond Portfolios 2011 22
Table: Developed States Commercial Banking Business Environment Ratings . 23
Table: Comparison of Loan/Deposit & Loan/Asset & Loan/GDP ratios 24
Table: Anticipated Developments in 2012. 25
Table: Comparison of Total Assets & Client Loans & Client Deposits (US$bn) 26
Table: Comparison of US$ Per Capita Deposits (2011) . 27
Table: Interbank Rates and Bond Yields 28
Australia Banking Sector Outlook 29
Economic Outlook 33
Table: Australia – Economic Activity, 2011-2016 36
Competitive Landscape 37
Market Structure 37
Protagonists . 37
Table: Protagonists In Australia''s Commercial Banking Sector 37
Definition Of The Commercial Banking Universe 37
List Of Banks 38
Table: Major Banks 38
Table: Other Domestic Banks . 38
Company Profiles 39
Bendigo and Adelaide Bank 39
Table: Stock Market Indicators 40
Table: Balance Sheet (AUDmn) 40
Table: Balance Sheet (US$mn) 41
Table: Key Ratios (%) 41
Bank of Queensland 42
Table: Stock Market Indicators 43
Table: Balance Sheet (AUDmn) 43
Table: Balance Sheet (US$mn) 44
Table: Key Ratios (%) 44
AMP Bank 45
Table: Stock Market Indicators 46
Table: Balance Sheet (AUDmn) 46
Table: Balance Sheet (US$mn) 46
Table: Key Ratios (%) 47
Westpac Banking Corporation 48
Table: Stock Market Indicators 49
Table: Balance Sheet (AUDmn) 49
Table: Balance Sheet (US$mn) 50
Table: Key Ratios (%) 50
National Australia Bank. 51
Table: Stock Market Indicators 52
Table: Balance Sheet (AUDmn) 52
Table: Balance Sheet (US$mn) 53
Table: Key Ratios (%) 53
Commonwealth Bank of Australia 54
Table: Stock Market Indicators 55
Table: Balance Sheet (AUDmn) 55
Table: Balance Sheet (US$mn) 56
Table: Key Ratios (%) 56
Australia and New Zealand Banking Group . 57
Table: Stock Market Indicators 58
Table: Balance Sheet (AUDmn) 58
Table: Balance Sheet (US$mn) 58
Table: Key Ratios (%) 59
BMI Banking Sector Methodology 60
Table: Commercial Banking Business Environment Indicators And Rationale 62
Table: Weighting Of Indicators 63
Demographic Forecast . 64
Table: Australia''s Population By Age Group, 1990-2020 (''000) 65
Table: Australia''s Population By Age Group, 1990-2020 (% of total) 66
Table: Australia''s Key Population Ratios, 1990-2020 67
Table: Australia''s Rural And Urban Population, 1990-2020 67Table: Levels (AUDbn) . 5
Table: Levels (US$bn) . 5
Table: Levels At March 2012 . 5
Table: Annual Growth Rate Projections 2012-2016 (%) . 6
Table: Ranking Out Of 59 Countries Reviewed In 2011 . 6
Table: Projected Levels (AUDbn) . 6
Table: Projected Levels (US$bn) . 6
Table: Commercial Banking Business Environment Ratings . 11
Table: Developed States Commercial Banking Business Environment Ratings . 13
Table: Banks'' Bond Portfolios 2011 . 22
Table: Developed States Commercial Banking Business Environment Ratings . 23
Table: Comparison of Loan/Deposit & Loan/Asset & Loan/GDP ratios . 24
Table: Anticipated Developments in 2012. 25
Table: Comparison of Total Assets & Client Loans & Client Deposits (US$bn) . 26
Table: Comparison of US$ Per Capita Deposits (2011) . 27
Table: Interbank Rates and Bond Yields . 28
Table: Australia – Economic Activity, 2011-2016. 36
Table: Protagonists In Australia''s Commercial Banking Sector . 37
Table: Major Banks . 38
Table: Other Domestic Banks . 38
Table: Stock Market Indicators . 40
Table: Balance Sheet (AUDmn) . 40
Table: Balance Sheet (US$mn) . 41
Table: Key Ratios (%) . 41
Table: Stock Market Indicators . 43
Table: Balance Sheet (AUDmn) . 43
Table: Balance Sheet (US$mn) . 44
Table: Key Ratios (%) . 44
Table: Stock Market Indicators . 46
Table: Balance Sheet (AUDmn) . 46
Table: Balance Sheet (US$mn) . 46
Table: Key Ratios (%) . 47
Table: Stock Market Indicators . 49
Table: Balance Sheet (AUDmn) . 49
Table: Balance Sheet (US$mn) . 50
Table: Key Ratios (%) . 50
Table: Stock Market Indicators . 52
Table: Balance Sheet (AUDmn) . 52
Table: Balance Sheet (US$mn) . 53
Table: Key Ratios (%) . 53
Table: Stock Market Indicators . 55
Table: Balance Sheet (AUDmn) . 55
Table: Balance Sheet (US$mn) . 56
Table: Key Ratios (%) . 56
Table: Stock Market Indicators . 58
Table: Balance Sheet (AUDmn) . 58
Table: Balance Sheet (US$mn) . 58
Table: Key Ratios (%) . 59
Table: Commercial Banking Business Environment Indicators And Rationale . 62
Table: Weighting Of Indicators. 63
Table: Australia''s Population By Age Group, 1990-2020 (''000) . 65
Table: Australia''s Population By Age Group, 1990-2020 (% of total) . 66
Table: Australia''s Key Population Ratios, 1990-2020 . 67
Table: Australia''s Rural And Urban Population, 1990-2020 . 67