01 Industry overview
The banking financial services industry at a glance
Global banking expanded in 2025, with bank-held deposits, loans and assets under management reaching $406 trillion while profitability rose to $1.3 trillion.
- $406T[23]
- Bank-held balances, 2025
- $1.3T[23]
- Global banking profits, 2025
- 38.8%[85]
- Banks’ global asset share, 2023
- 79%[86]
- Adults with financial accounts, 2024
- Market size
- Banks held $406 trillion in deposits, loans and assets under management in 2025, up from $381 trillion in 2024. The broader global financial system held $468 trillion in 2025.[23]
- Forecast & CAGR
- A single, reliable global CAGR for the full banking financial services industry was not identified. Deloitte forecasts embedded banking growth to accelerate from an 18% CAGR in 2027 to 28% by 2030, a narrower segment rather than the whole industry.[15]
- Market share & regions
- Banks represented 38.8% of global financial assets at the end of 2023, compared with 49.1% for non-bank financial intermediation. Banks accounted for 58.6% of financial assets in emerging-market economies and 33.3% in advanced economies.[85]
- Segmentation
- Banking revenues are increasingly divided between balance-sheet activities and transaction banking and distribution. In 2025, transaction banking and distribution generated an estimated 47% of revenues and 57% of profits, while balance-sheet activities generated 53% of revenues and 43% of profits.[23]
- Key players & concentration
- Industrial and Commercial Bank of China remained the world’s largest bank by assets in S&P Global Market Intelligence’s latest ranking, holding that position for 13 consecutive years. The 1,000 largest banks reached $180.7 trillion in assets in fiscal 2025.[6][87]
- Pricing
- McKinsey measured global bank net interest margin at 1.63% in 2025, down from 1.65% in 2024. Revenue margins after risk costs declined from 0.97% of balances in 2024 to 0.94% in 2025.[23]
- Trends, drivers & challenges
- Profitability benefited from elevated margins and growth in financial assets, but banks face pressure from declining revenue margins, technology disruption, cyber risk and competition from non-bank financial intermediaries. NBFI assets grew 8.5% year over year in 2023, versus 3.3% for banks.[23][85]
- Consumer behavior & competition
- The World Bank reported that 79% of adults globally owned a financial account in 2024, up from 74% in 2021. Competition is shifting toward digital payments, mobile access and embedded financial products as transaction banking and distribution account for 47% of global banking revenue.[86][23]
- M&A
- Banking M&A became more active in 2026: Santander agreed to acquire Webster Financial for $12.2 billion, while UniCredit pursued Commerzbank in a transaction valued at about €37 billion. The UniCredit–Commerzbank deal was expected to receive unconditional EU antitrust approval by November 16, 2026.[88][89]
- Regulation
- The Federal Reserve reported that U.S. banking agencies requested comment in March 2026 on proposals to modernize risk-based capital requirements and finalize Basel III implementation. Switzerland separately opened a consultation in August 2026 to strengthen governance, crisis preparedness and liquidity access for systemically important banks.[62][90]
- Latest news
- As of November 10, 2026, cybersecurity and AI-related operational risk were major industry stories. U.S. regulators contacted banks after a reported $6.3 billion Binance hack, while European banks reviewed resilience after a cyberattack on French banking group Crédit Mutuel Arkéa.[91][92]
02 Ranking
Top 10 Companies in the Banking Financial Services Industry
The leading companies in the banking financial services industry, ranked on market impact, performance, momentum, innovation and brand popularity.
Updated November 10, 2026 · Next review December 10, 2026
Morgan Stanley and Mitsubishi UFJ Financial Group are tied at the top of Gitnux's 2026 banking financial services ranking with an Overall score of 9.3 each.
Ranked by Overall score · How we score ↓
Editor's top 3 picks
Where to start, by need.
#1 Overall · Leader in wealth and asset management
Morgan Stanley
US
Ranked #1 · 9.3 · Wealth and asset management
Why we picked it: It reports large investment banking, wealth and asset management revenue, supporting scale in transaction and capital-markets activity.
Leader in commercial banking
Mitsubishi UFJ Financial Group
JP
Ranked #2 · 9.3 · Commercial banking
Why we picked it: It operates commercial banking with reported fiscal revenue scale and an employee base of about 150,800.
Leader in investment banking and markets
Goldman Sachs
US
Ranked #4 · 8.9 · Investment banking and markets
Why we picked it: Its global investment banking and financial markets mix centers on net revenue, with a reported $58.3B figure for 2025.
Pick 1 is the #1 company overall. Picks 2 and 3 are the highest-ranked companies in the top 5 that add a new segment.
Full ranking
| # | Company | Overall ↓ | Impact | Performance | Momentum | Innovation | Company snapshot |
|---|---|---|---|---|---|---|---|
| 1 | Morgan Stanley Wealth and asset management · US | 9.3 | 9.3 | 9.7 | 9.8 | 8.0 | |
Company snapshot · Morgan Stanley · Data as of November 10, 2026 Morgan Stanley reported $70.6 billion in 2025 net revenues and $9.3 trillion in client assets.[93]
| |||||||
| 2 | Mitsubishi UFJ Financial Group Commercial banking · JP | 9.3 | 9.5 | 9.9 | 9.9 | 8.0 | |
Company snapshot · Mitsubishi UFJ Financial Group · Data as of November 10, 2026 MUFG reported approximately 150,800 employees and ¥10.8 trillion total revenue for fiscal 2025.[94]
| |||||||
| 3 | Bank of America Commercial banking · US | 8.9 | 9.9 | 7.8 | 8.3 | 8.0 | |
Company snapshot · Bank of America · Data as of November 10, 2026 Bank of America served approximately 69 million consumer and small-business clients in 2025.[95]
| |||||||
| 4 | Goldman Sachs Investment banking and markets · US | 8.9 | 8.5 | 8.9 | 9.0 | 8.9 | |
Company snapshot · Goldman Sachs · Data as of November 10, 2026 Goldman Sachs reported $58.3 billion in 2025 net revenues.[96]
| |||||||
| 5 | JPMorgan Chase Investment banking and markets · US | 8.8 | 9.2 | 7.3 | 8.6 | 9.9 | |
Company snapshot · JPMorgan Chase · Data as of November 10, 2026 JPMorganChase reported $182.4 billion in 2025 total net revenue.[95]
| |||||||
| 6 | BNP Paribas European commercial and corporate banking · FR | 8.7 | 9.5 | 9.2 | 9.0 | 8.0 | |
Company snapshot · BNP Paribas · Data as of November 10, 2026 BNP Paribas operates in 64 countries and provides financing, investment, savings and protection services.[97]
| |||||||
| 7 | Wells Fargo U.S. consumer, commercial and investment banking · US | 8.2 | 9.2 | 7.2 | 7.5 | 7.0 | |
Company snapshot · Wells Fargo · Data as of November 10, 2026 Wells Fargo was the fourth-largest U.S. bank holding company by assets at year-end 2025.[98]
| |||||||
| 8 | Santander Global retail and commercial banking · ES | 8.1 | 8.0 | 7.0 | 8.5 | 8.0 | |
Company snapshot · Santander · Data as of November 10, 2026 Santander operated in nine core markets with 189 million customers and more than 6,000 branches.[99]
| |||||||
| 9 | Citigroup Global institutional and consumer banking · US | 8.0 | 9.3 | 7.8 | 7.8 | 7.0 | |
Company snapshot · Citigroup · Data as of November 10, 2026 Citi reported $85.2 billion in 2025 revenue and operates in more than 90 countries.[100]
| |||||||
| 10 | UBS Global wealth and investment banking · CH | 8.0 | 7.8 | 7.7 | 8.0 | 8.0 | |
Company snapshot · UBS · Data as of November 10, 2026 UBS had 105,236 employees across 51 countries and jurisdictions at year-end 2025.[101]
| |||||||
How we score
- Impact (30%): scale and weight in the market (revenue, market share, employees, market position).
- Performance (20%): recent revenue growth and operating margin; an analyst assessment where a company does not publish them.
- Momentum (20%): growth trajectory and future potential.
- Innovation (15%): R&D intensity and how technologically advanced the company is.
Popularity (brand search demand, 15%) counts toward Overall but is not published as a column. Overall leaves out what is not known.
Scale Scores are shown on a 7–10 scale with one decimal; bars start at 7.0.
Cadence Recalculated when new figures are published; next review December 10, 2026.
Independence. Rankings are editorially independent. Scores, ranks, picks and the verdict follow the method above; no company can pay to change them.
Cite this ranking
APA
Samuel Norberg. (2026, November 10). Top 10 companies in the banking financial services industry. In Banking Financial Services Industry Statistics. Gitnux. https://gitnux.org/banking-financial-services-industry-statistics/#top-companies
Total loans of FDIC-insured institutions (United States)
Total loans of FDIC-insured institutions grew from $11.2T in 2021 to $12.7T in 2024.
03 Trends & forecasts
Top 10 Banking Financial Services Industry Trends & Forecasts 2027
What is changing in the banking financial services industry, with the evidence behind each trend and a forecast for 2027.
Forecasts were generated by an AI model from the cited evidence. They are estimates, not guarantees.
01Banking balances continue expanding
High confidenceBank-held deposits, loans and assets under management rose from $381 trillion in 2024 to $406 trillion in 2025, a 6.5% increase. Global banking net income reached $1.3 trillion in 2025, up 7% year over year.[23]
Forecast 2027: Bank-held balances should continue growing in 2027, but likely at a slower pace than in 2025 as interest-rate effects fade and more assets move into non-bank channels. A plausible range is mid-single-digit growth, assuming no major global recession.
02Net interest margins edge lower
High confidenceGlobal banking net interest margin declined from 1.65% in 2024 to 1.63% in 2025 as rates began to fall in major markets. Revenue margins after risk costs also fell from 0.97% of balances to 0.94%.[23]
Forecast 2027: Margins are likely to remain under pressure in 2027 as deposit repricing, competition for funding and lower policy rates constrain spreads. Banks will increasingly offset weaker spreads through fees, automation and balance-sheet discipline.
03Transaction banking gains profit share
High confidenceTransaction banking and distribution generated an estimated 47% of global banking revenue and 57% of profits in 2025, while balance-sheet activities generated 53% of revenue and 43% of profits. The share of global financial-system funds held on bank balance sheets fell from 44% in 2022 to 40% in 2025.[23]
Forecast 2027: By 2027, transaction banking, payments, brokerage and distribution should take a larger share of industry economics. Banks with strong client data, payment infrastructure and fee-generating platforms are likely to outperform lenders dependent mainly on net interest income.
04Non-bank finance outpaces banks
High confidenceNon-bank financial intermediation assets increased 8.5% in 2023, more than twice the 3.3% growth of banking assets, lifting the NBFI share of global financial assets to 49.1%. Investment funds continued to drive much of the sector’s expansion.[85]
Forecast 2027: NBFI growth should remain faster than traditional banking in 2027, particularly in private credit, investment funds and money-market products. Banks will respond through partnerships, fund distribution, balance-sheet financing and selective acquisitions.
05Fintech competition becomes more selective
Medium confidenceFintech revenue reached about $650 billion in 2025, compared with $7.3 trillion for banking, while fintech capital flows had recovered by roughly 40% from 2023. Payments, wealth management, capital markets and lending were the principal competitive areas.[23]
Forecast 2027: In 2027, competition should concentrate on scaled fintechs with profitable economics rather than the broader startup population. Banks are likely to buy or partner with specialist firms in payments, fraud prevention, lending technology and wealth platforms.
06Digital account ownership approaches saturation
High confidenceThe World Bank reported that 79% of adults globally had a financial account in 2024, up from 74% in 2021. Ownership in low- and middle-income economies reached 75% in 2024, compared with 95% in high-income economies.[102]
Forecast 2027: Global account ownership should rise further in 2027, but new growth will be concentrated in low- and middle-income markets and among underserved groups. Competition will shift from acquiring first-time account holders to increasing usage, deposits, credit and digital payments per customer.
07Instant payments scale across Europe
High confidenceTransaction volumes on the ECB’s TIPS instant-payment platform grew 82.5% in 2025. EU rules require euro-area payment providers to offer instant payments and equal pricing, with additional implementation deadlines applying in 2027 to non-euro-area providers and payment institutions.[74]
Forecast 2027: Instant payments should become a standard account feature across the EU in 2027, increasing pressure on banks to modernize fraud controls, liquidity management and customer interfaces. Payment revenues will face further compression as speed and pricing become less differentiating.
08AI deployment accelerates across banks
Medium confidenceMcKinsey describes an unprecedented pace of AI adoption in banking and identifies agentic AI as capable of monitoring balances, comparing returns, moving cash and resolving customer issues. The technology is expected to affect deposits, servicing and other established banking profit pools.[23]
Forecast 2027: By 2027, leading banks should move from pilots toward controlled production use of agentic AI in customer service, fraud operations, underwriting support and employee productivity. Gains will be strongest where banks can connect AI to high-quality internal data while maintaining human approval for material decisions.
09AI raises operational-risk costs
High confidenceThe BIS warned in September 2026 that frontier AI can autonomously identify vulnerabilities, develop exploits and conduct multi-step cyber operations. It said the technology compresses remediation windows, increases breach likelihood and amplifies third-party dependencies.[1]
Forecast 2027: In 2027, banks will increase spending on AI model governance, privileged-access controls, software patching, red-team testing and third-party oversight. Operational-risk budgets are likely to rise even where automation lowers other technology costs.
10Cyber resilience becomes a board priority
High confidenceThe Basel Committee published 2026 practices on ICT risk management, noting that digitalization has made resilience to non-malicious ICT incidents increasingly important. The report complements existing work on cyber resilience and highlights the continuing need to monitor AI-related security implications.[1]
Forecast 2027: By 2027, supervisors and boards should treat cyber and technology outages as core prudential risks rather than purely IT issues. Banks will be expected to demonstrate recovery testing, concentration-risk management and resilience across cloud and other critical providers.
04 Statistics
Technology & Innovation
AI adoption spans assessments and operations, with 80% of UK firms reporting AI agents deployed in 2026 and 94% of international banks using AI in 2024.
AI in the banking financial services industry
- 16% of UK financial-services respondents used AI for credit-risk assessment in 2024, while 19% planned to do so within three years.[1]
- 41% of UK financial-services respondents used AI to optimise internal processes in 2024.[1]
- 94% of international banks responding to the UK survey were using AI in 2024.[2]
- 80% of UK financial-services firms reported having AI agents deployed in 2026, while a further 14% planned deployment within 12 months.[2]
- 58% of AI-using small UK financial-services firms predominantly used general-purpose large language models in 2026.[2]
- 73% of small UK financial-services firms surveyed reported using AI in 2026.[2]
Automation in the banking financial services industry
- 64% of surveyed EU banks used AI to optimise internal processes in spring 2025.[3]
- 35% of U.S. credit unions surveyed had deployed chatbots by 2024.[4]
- 27% of U.S. banks surveyed had deployed robotic process automation by 2024.[4]
- 16% of U.S. banks surveyed had deployed machine learning by 2023.[4]
- 64% of surveyed EU banks used AI for fraud detection in spring 2025.[3]
- 21% of U.S. credit unions surveyed had deployed machine learning by 2024.[4]
Digital Transformation in the financial services sector (sector benchmark)
- 27% of financial services firms reported financial benefits from AI in 2026, up from 14% in 2025.[5]
- 26% of financial services firms reported using agentic AI in 2026, according to a global digital-transformation study.[5]
- 84% of financial services firms said integrating front-, middle- and back-office systems into one platform is important in 2026.[5]
- 43% of financial services firms said they will need an entirely new technology stack to succeed in the age of AI.[5]
- 80% of financial services firms reported active AI use in 2026, up from 31% in 2025.[5]
Technology Adoption in the financial services sector (sector benchmark)
- 54% of surveyed financial services companies had deployed AI initiatives by January 2025, up from 40% one year earlier.[6]
- 35% of financial institutions adopted or improved generative-AI capabilities during the 12 months covered by the 2024 survey.[7]
- 59% of finance leaders reported using AI in their finance function in 2025, according to Gartner’s survey of 183 senior finance leaders.[8]
- About one-third of financial services companies reported using generative AI by January 2025, compared with 21% a year earlier.[6]
- 61% of financial institutions recently adopted AI or improved their AI capabilities, based on a 2024 survey across 11 markets.[7]
Cloud Computing in the financial services sector (sector benchmark)
- 91% of financial organizations had at least one cloud platform in 2023, up from 37% in 2020.[9]
- 43% of banking and financial services organizations were moving toward a cloud-first analytics approach in the WNS-Forrester survey.[10]
- 33% of financial services firms were highly satisfied with cloud-related reductions in operational costs in Capgemini’s 2024 survey.[9]
- 87% of financial services firms increased cloud investment during the two years preceding LSEG’s 2025 global survey.[11]
- 82% of financial services firms used a hybrid- or multi-cloud strategy in LSEG’s 2025 global survey.[11]
Big Data in the financial services sector (sector benchmark)
- 18% of finance firms adopted big-data analytics in the OECD’s cross-country comparison; the European data refer to 2019.[12]
- 11% of surveyed bank marketers were very confident in the accuracy of the data they regularly used in 2024.[13]
- 37% of surveyed bank marketers said their bank was on the way to using data and analytics to support strategic goals in 2024.[13]
05 Statistics
Data & Analytics
Business intelligence in the banking financial services industry
- 25% of banks’ data-access and reporting workloads had been migrated to the cloud by 2022, according to Accenture’s Banking Cloud Rotation Index.[14]
- 24% of banks’ data-storage and governance workloads had been migrated to the cloud by 2022.[14]
- 86% of banking and capital-markets respondents ranked ease of data access and use among their top data concerns in 2024.[15]
- 94% of banking and capital-markets respondents ranked data accuracy and reliability among their top data priorities in 2024.[15]
- 36% of surveyed banking and capital-markets organizations cited improved performance and latency as a top reason for adopting a multi-cloud approach.[15]
- 23% of banks’ data-onboarding and management workloads had been migrated to the cloud by 2022.[14]
Data analytics in the banking financial services industry
- 60% of EU banks used AI to optimize internal processes in autumn 2024.[3]
- 66% of EU banks used AI for anti-money-laundering and counter-terrorist-financing activities in autumn 2024.[3]
- 82% of EU banks used big-data analytics in 2024, compared with 70% in 2020.[3]
- 54% of EU banks used AI for credit scoring in autumn 2024.[3]
- 71% of EU banks used AI for profiling or clustering clients or transactions in autumn 2024.[3]
- 66% of EU banks used AI for customer support, including chatbots, in autumn 2024.[3]
Data Quality in the financial services sector (sector benchmark)
- Across U.S. banking and capital markets, 86% of respondents named data access and usability as a top concern in 2024.[15]
- Across significant European banking institutions, 32% did not apply data-quality-management principles to end-user computing in 2023.[16]
- Across U.S. banking and capital markets, 94% of respondents named data accuracy and reliability as a priority in 2024.[15]
- Across global financial services, 34% of organizations rated their data excellent for accuracy and integrity in 2024.[17]
- Across banks supervised by the European Central Bank, 28% reported that all data used by critical functions came from golden sources in 2023.[16]
- Across global financial services, 36% of organizations rated their data excellent for quantity and completeness in 2024.[17]
Data Governance in the financial services sector (sector benchmark)
- Across financial-services organizations surveyed globally, 43.7% lacked a standardized certification process for analytics content in 2025.[18]
- Across financial-services organizations surveyed globally, 82.9% had implemented governance policies specifically applying to business intelligence and analytics in 2025.[18]
- Across global financial services, 54% of companies rated data governance at one of the two highest maturity levels in 2024.[19]
- Across 35 surveyed banks, insurers, and financial-services firms in 38 countries, 54% had adopted a semantic layer for organization-wide data governance in 2025.[20]
- Across financial-services organizations surveyed globally, 57.1% identified BI-content testing as the top future investment in analytics governance in 2025.[18]
KPIs in the banking financial services industry
- 0.6% of checking or savings-account complaints did not receive a timely company response in 2024.[21]
- 14% of checking or savings-account complaints received monetary relief after company review in 2024, a customer-outcome KPI reported by the CFPB.[21]
- 0.26 new product per retail banking customer was the 25th-percentile cross-sale result for financial institutions in 2024.[22]
- 1.77 new products per digital-banking user was the 75th-percentile result for financial institutions in 2024.[22]
- 1.00 new product per retail banking customer was the average cross-sale result for financial institutions in 2024.[22]
- 0.50 new product per retail banking customer was the median cross-sale result for financial institutions in 2024.[22]
06 Statistics
Strategy & Growth
Transaction banking and distribution are taking more of the mix, generating an estimated 47% of revenues and 57% of profits in 2025.
Growth in the banking financial services industry
- $32.6 trillion was global cross-border bank credit at end-2024, indicating the scale of banks’ international growth markets.[1]
- $140 billion was the decline in U.K. bank loans to non-bank financial institutions during the fourth quarter of 2024.[1]
- 12% was the 2024 annual growth rate of cross-border bank loans to non-bank financial institutions before the fourth-quarter contraction.[1]
- $92 billion was the decline in Japanese bank loans to non-bank financial institutions during the fourth quarter of 2024.[1]
- 1.65% was the global bank net interest margin in 2024.[23]
- $248 billion was the fourth-quarter 2024 decline in cross-border bank loans to non-bank financial institutions.[1]
Mergers and acquisitions in the banking financial services industry
- $6.22 billion was the aggregate value of U.S. bank deals announced by May 20, 2024.[15]
- 93 global financial-services M&A deals exceeded $1 billion in value in 2025.[24]
- $282.1 billion was the disclosed value of global financial-services M&A announced in 2024.[24]
- $418.9 billion was the disclosed value of global financial-services M&A announced in 2025.[24]
- 215 banking deals valued above $30 million were announced by December 2024.[25]
- $309 billion was the 2024 year-to-date strategic M&A value across financial-services sectors through November.[25]
Strategic partnerships in the banking financial services industry
- 70% of community banks viewed fintech partnerships as either a strong or moderate growth driver in 2024.[4]
- 21% of community banks viewed fintech partnerships as a strong growth driver in 2024.[4]
- 68% of community banks viewed fintech partnerships as either a strong or moderate growth driver in 2023.[4]
- 29% of community banks viewed fintech partnerships as a strong growth driver in 2023.[4]
- 76% of banks viewed fintech partnerships as necessary to meeting customer expectations in 2024.[26]
- 65% of banks and credit unions had entered at least one fintech partnership during the three years ending in 2024.[26]
07 Statistics
People & Workforce
Work-location flexibility is widespread: 52.5% of U.S. workers in financial activities teleworked in June 2026, supporting hybrid operating models.
Hiring in the banking financial services industry
- 24% of U.S. bank CEOs expected headcount to increase by 6% to 10% over the following three years in 2025.[19]
- 33% of U.S. banks planned to increase technology or IT staff in 2025.[27]
- 53% of U.S. banks planned to add commercial or business-lending staff in 2025.[27]
- 5% of U.S. banks reported significantly increasing total employees in 2024.[27]
- 38% of U.S. banks reported moderately increasing total employees in 2024.[27]
Employee retention in the banking financial services industry
- 28% of U.S. financial institutions with more than $5 billion in assets identified employee recruitment and retention as a top concern in 2025.[28]
- 38% of U.S. financial institutions concerned about recruitment or retention said proactive recruitment was a successful response in 2025.[28]
- 47% of U.S. financial institutions concerned about recruitment or retention said workplace culture was a successful response in 2025.[28]
- 27% of U.S. financial institutions with $1 billion to $5 billion in assets identified employee recruitment and retention as a top concern in 2025.[28]
- 92% of U.S. bank CEOs expected an aging workforce to affect recruitment, retention and culture in 2025.[19]
Remote Work in the financial services sector (sector benchmark)
- 52.5% of workers in U.S. financial activities teleworked in June 2026, according to the Bureau of Labor Statistics.[29]
- 87% of U.S. financial services employees said remote work helped them balance home and work responsibilities in 2025.[19]
- 68% of U.S. financial services workers said they would consider seeking new employment if remote and hybrid flexibility were reduced in 2023.[30]
- Across U.S. financial services, 82% of companies offered some form of work-location flexibility in 2025.[31]
Hybrid Work in the financial services sector (sector benchmark)
- 52% of financial services companies used a structured hybrid model in 2024, up from 41% in 2023, according to a survey of 777 companies.[32]
- 52% of financial services companies used a structured hybrid model in early 2024, up from 41% in March 2023.[32]
- 54% of U.S. employees with remote-capable jobs worked in a hybrid arrangement in 2025.[33]
- 28.7% of U.S. finance and insurance workers were in hybrid work arrangements as of September 24, 2024.[34]
- 82% of U.S. financial services firms offered some form of work-location flexibility in July 2025.[31]
Upskilling in the banking financial services industry
- 38% of banking and financial-services employers offered upskilling and reskilling through redeployment programs in 2024.[35]
- 54% of U.S. bank CEOs said their organizations were providing education and training in response to AI disruption in 2025.[19]
- 44% of U.S. bank CEOs said their organizations were engaging external AI experts in response to AI disruption in 2025.[19]
- 80% of employees considered professional-development and training offerings important when accepting a new job, according to banking-sector talent research cited by the ABA in 2024.[13]
- 49% of U.S. bank CEOs said their organizations were investing in reskilling and upskilling in response to AI disruption in 2025.[19]
Employee Engagement in the financial services sector (sector benchmark)
- 12% of employees in Europe were engaged at work in 2025.[33]
- 31% of employees in the United States and Canada were engaged at work in 2025.[33]
- 20% of employees worldwide were engaged at work in 2025, according to Gallup’s World Poll.[33]
- 16% of employees worldwide were actively disengaged at work in 2025.[33]
08 Statistics
Customer & Sales
Customer migration pressure is measurable: 7% of U.S. primary banking customers switched providers in the year to June 2025.
Customer experience in the banking financial services industry
- 86% of retail banking consumers across nine countries used a physical branch during the previous year in 2024.[36]
- 57% of banking customers globally said they would purchase more from their bank in 2025.[37]
- 74% of banking customers globally trusted their bank in 2025.[37]
- 83% of retail banking consumers across nine countries said they were happy with their bank in 2024.[36]
- 76% of banking customers globally were satisfied with their bank in 2025.[37]
Customer retention in the banking financial services industry
- 46% of U.S. retail bank customers were certain they would remain with their current bank for the next year in 2024.[38]
- 80% of customers who left a U.S. regional bank in the year to June 2025 moved to a national or digital competitor.[39]
- 23% of U.S. consumers opened new financial accounts at least once per year or more often in the latest MX survey.[40]
- 7% of U.S. primary banking customers switched providers in the year to June 2025.[39]
- 8% of U.S. retail bank customers had changed their primary bank in 2024.[38]
Customer acquisition in the banking financial services industry
- $760 was the average customer-acquisition cost for U.S. retail commercial banks between June 2018 and November 2024.[41]
- $428 was the average customer-acquisition cost for U.S. credit unions between June 2018 and November 2024.[41]
- $868 was the reported cost per acquisition for U.S. regional banks in 2024.[42]
- $290 was the average customer-acquisition cost for U.S. online banks between June 2018 and November 2024.[41]
- 27% of checking-account openings at U.S. financial institutions came through digital channels in 2025.[43]
Customer loyalty in the banking financial services industry
- 29% of U.S. retail bank customers likely to switch cited excessive or high fees as a reason in 2024.[38]
- 26% of U.S. retail bank customers likely to switch cited a poor service experience as a reason in 2024.[38]
- 62% of retail banking customers would switch banks for better digital experiences, according to a 2025 survey.[44]
- 8% of U.S. retail bank customers changed their primary bank in 2024, compared with 5% in 2018.[38]
Lead generation in the banking financial services industry
- 45.1% of U.S. bank marketers expected to increase social-media budgets in 2026.[13]
- 38.1% of U.S. bank marketers expected to increase content-marketing budgets in 2026.[13]
- 9% was the reported market-share gain for digital providers alongside a 12% loss for traditional banks in 2024.[42]
- 55.8% of U.S. bank marketers expected to increase search-engine marketing and optimization budgets in 2026.[13]
- 85.0% of U.S. bank marketers expected to increase digital-advertising budgets in 2026 for the following year.[13]
09 Statistics
Marketing & Brand
Marketing spend and channel metrics shift into performance: average return for digital advertising was 3.78 out of 5 among U.S. banks in 2026.
Marketing in the banking financial services industry
- 38% of U.S. bank marketers budgeted for unplanned campaigns in the latest ABA survey.[13]
- 37% of U.S. bank marketers had a dedicated budget for digital growth and website enhancement in 2024.[13]
- 35.8% of U.S. bank advertising budgets were allocated to deposit growth in 2024, on average.[13]
- 15.2% of U.S. bank marketers planned to budget for artificial intelligence in 2025.[13]
Digital marketing in the banking financial services industry
- 3.40 out of 5 was the average return rating for email marketing among U.S. banks in 2026.[13]
- 3.62 out of 5 was the average return rating for search-engine marketing and optimization among U.S. banks in 2026.[13]
- 3.78 out of 5 was the average return rating for digital advertising among U.S. banks in 2026.[13]
- 3.37 out of 5 was the average return rating for social media among U.S. banks in 2026.[13]
Branding in the banking financial services industry
- $1.6 trillion was the aggregate brand value of the world’s top 500 banking brands in 2025.[45]
- $50.697 billion was J.P. Morgan’s 2025 financial-services brand value.[46]
- $2.4 billion was the average brand value of a European bank in the Banking 500 ranking in 2025.[45]
- $3.9 billion was the average brand value of an Asia-Pacific bank in the Banking 500 ranking in 2025.[45]
- $44.959 billion was HDFC Bank’s 2025 financial-services brand value.[46]
Influencer Marketing in the financial services sector (sector benchmark)
- 37% of banking executives in a survey of 102 finance respondents recognized influencer marketing as a potent tool for authentic consumer connections in 2023.[49]
- 23% of financial-services marketers reported dedicated but flat budgets for creator or influencer marketing in 2026.[50]
- 60% of financial-services marketers reported dedicated and growing budgets for creator or influencer marketing in 2026.[50]
- 5% of financial-services marketers reported dedicated but shrinking budgets for creator or influencer marketing in 2026.[50]
- 7% of financial-services marketers reported folding creator or influencer marketing into other channels rather than maintaining a dedicated budget in 2026.[50]
10 Statistics
Operations & Execution
Complaint handling targets vary by regulator, with FDIC complaint response at 98.9% answered within established performance-goal timeframes in 2025.
Process optimization in the banking financial services industry
- 44.8% of UK financial-services complaints were closed within three days in the first half of 2026.[51]
- 53 days was the average time to close an Australian banking and finance complaint in 2025–26, down from 62 days the previous year.[52]
- 98.9% of complaints were answered within established performance-goal timeframes by the FDIC in 2025.[53]
- 66% of U.S. retail-banking customers whose problem was resolved in 2025 said resolution occurred within one day.[38]
- 94.5% of UK financial-services complaints were closed within eight weeks in the first half of 2026.[51]
Operational efficiency in the banking financial services industry
- 53.5% was the average cost-to-income ratio for 163 European banks in 2024, up 0.8 percentage points year over year.[54]
- 58.6% was Lloyds Banking Group’s banking cost-to-income ratio in 2025, compared with 60.4% in 2024.[55]
- 54.5% was Rabobank’s cost-to-income ratio in 2025.[56]
- 64.4% was ABN AMRO’s cost-to-income ratio in 2025.[56]
- 53.3% was the European banking-sector cost-to-income ratio in 2025, down from 63% in 2014.[57]
Quality management in the banking financial services industry
- 6,356 FDIC consumer-complaint cases in 2025 involved one or more third-party providers, nearly 48% more than in 2024.[53]
- £240 million in redress was paid by UK financial-services firms in the first half of 2026.[51]
- 280 errors made by financial institutions were identified through FDIC complaint investigations in 2025.[53]
- 108 federal consumer-protection regulation violations were identified through FDIC complaint investigations in 2025.[53]
- 94% was the 2025 compliance rate of Italian financial intermediaries with Banking and Financial Ombudsman decisions, excluding salary-backed loans.[58]
Supply chain in the banking financial services industry
- 13.5% was the increase in banks’ cloud-outsourcing spending compared with the ECB’s previous analysis.[16]
- 46% of FDIC written complaints closed in 2025 were referred to another federal banking regulator or internally to another FDIC office.[53]
- 3,106 UK banking and finance complaints about checking accounts were recorded by the FDIC in 2025 investigations.[53]
- 50% of banks’ total budget for outsourced critical services was spent on the 30 largest external providers in the ECB’s analysis.[16]
- 95% of critical outsourced banking functions that were difficult or impossible to substitute were also difficult or impossible to reintegrate.[16]
Outsourcing / Offshoring in the financial services sector (sector benchmark)
- Among U.S. banks surveyed, 57% had considered outsourcing information technology departments in 2024, the highest share among listed departments.[59]
- Among significant European banks, 27% of critical ICT contracts were outsourced to external providers located outside the European Union in the 2024 analysis.[16]
- Among significant European banks, outsourcing services accounted for 7.2% of administrative expenses at year-end 2023, up from 6.8%.[16]
- Across surveyed finance organizations, 17% were evaluating nearshore locations for future operations in 2026, compared with 13% evaluating offshore locations.[60]
- Among significant European banks, 67% of outsourcing contracts were sub-outsourced to external service providers in the 2024 analysis.[16]
11 Statistics
Finance & Pricing
Pricing pressure shows in margins: global banking net interest margin was 1.63% in 2025, down from 1.65% in 2024.
Pricing strategy in the banking financial services industry
- 1.63% was the global banking net interest margin in 2025, down from 1.65% in 2024.[23]
- 3.06% was Lloyds Banking Group’s banking net interest margin in 2025, up from 2.95% in 2024.[55]
- £240 million in redress payments were made by UK financial-services firms in the first half of 2026, reflecting the financial impact of product and pricing complaints.[51]
- 3.31% was the U.S. banking-industry net interest margin in the fourth quarter of 2025.[61]
- 3.30% was the U.S. banking-industry net interest margin for full-year 2025.[53]
Cost reduction in the banking financial services industry
- 9.7 percentage points was the decline in the European banking-sector cost-to-income ratio between 2014 and 2025, from 63% to 53.3%.[57]
- 1 percentage point was ING’s year-over-year increase in cost-to-income ratio in 2025.[56]
- 13.5% was the increase in cloud-outsourcing spending among ECB-supervised banks compared with the previous analysis, adding to technology operating costs.[16]
- 0.1 percentage point was Rabobank’s year-over-year increase in cost-to-income ratio in 2025.[56]
- 1.8 percentage points was Lloyds Banking Group’s year-over-year reduction in banking cost-to-income ratio, from 60.4% in 2024 to 58.6% in 2025.[55]
Profitability in the banking financial services industry
- 11.2% was U.S. bank return on equity at the end of 2025, according to the Federal Reserve.[62]
- $295.6 billion was the combined 2025 net income of more than 4,300 U.S. banks, according to FDIC data reported by BankRegData.[48]
- 11.82% was the U.S. banking-industry return on equity for full-year 2025.[53]
- 1.1% was U.S. bank return on average assets at the end of 2025, according to the Federal Reserve.[62]
- 5.10% of U.S. banking institutions were unprofitable in 2025.[53]
Financial planning in the banking financial services industry
- 83% of U.S. workers with a financial adviser were somewhat or very confident about retirement in the 2025 EBRI Retirement Confidence Survey, compared with 53% without an adviser.[63]
- 32% of U.S. adults said their household’s monthly income increased from a year earlier in 2025.[62]
- 38% of UK households had a financial plan in the latest St James’s Place financial-health research cited for 2026.[64]
- 63% of U.S. adults in 2025 said they could cover a hypothetical $400 emergency using cash, savings or a credit card paid off at the next statement.[62]
- 40% of U.S. wealth-survey respondents said they had created a financial plan to protect long-term financial health in 2025.[65]
12 Statistics
Product & Service
Product development in the banking financial services industry
- 51% of banking IT executives expect broad or fully embedded AI-agent adoption in product development and pricing within three years.[14]
- 94% of surveyed banking and capital-markets organizations ranked data accuracy and reliability among their top data priorities, directly affecting product-development decisions.[15]
- 51% of banking IT executives expect broad or fully embedded AI-agent adoption in product development and pricing within three years, based on a 2025 survey.[14]
- 45% of banking and capital-markets respondents were considering no-code AI investments, supporting faster product-development processes.[15]
- 58% of banking CIOs had deployed AI or were working on AI implementation, creating a technology base for new banking products.[8]
Product lifecycle in the banking financial services industry
- 86% of surveyed UK financial-services firms currently used AI in 2026, up from 75% in 2024 and 58% in 2022.[2]
- 94% of surveyed UK financial-services firms had at least one AI system in production, while 97% had one in production, pilot or proof-of-concept in 2026.[2]
- 88% of EU banks used cloud or edge computing in 2024, compared with 70% in 2020, supporting scalable product operations.[3]
- 52% of banking and capital-markets respondents had migrated more than half of their data to the cloud, affecting the scalability of analytics throughout the product lifecycle.[15]
- 82% of EU banks used big-data analytics in 2024, up from 70% in 2020, according to the European Banking Authority.[3]
After-sales in the banking financial services industry
- 98.6% of FDIC Consumer Response Unit complaints were investigated and answered within established performance-goal timeframes in 2024.[53]
- 67,900 checking or savings-account complaints were received by the CFPB in 2024, with companies responding to 99% of complaints sent for review.[21]
- 75% of checking or savings-account complaints were closed with an explanation by companies responding to CFPB cases in 2024.[21]
- 8,355 complaints against state member banks and selected bank-holding-company subsidiaries were investigated and closed by the Federal Reserve in 2024.[66]
- 14% of checking or savings-account complaints were closed with monetary relief by companies responding to CFPB cases in 2024.[21]
Value proposition in the banking financial services industry
- 86% of surveyed U.S. bank customers said their bank took proactive steps to protect them from fraud and scams in 2024.[13]
- 1.22 new products per digital-banking user were added on average by financial institutions in 2024, up from 1.06 in 2023.[22]
- 81% of surveyed U.S. consumers considered the financial-services industry highly competitive in 2024.[13]
- 76% of surveyed U.S. consumers believed their bank was transparent about disclosing fees in 2024.[13]
- 85% of Americans with a bank account were very satisfied or satisfied with their primary bank in a 2024 American Bankers Association survey.[13]
13 Statistics
Sustainability & Ethics
Sustainable finance remains material, with USD 765 billion outstanding sustainable bonds issued by the banking sector in 2024.
Sustainability in the banking financial services industry
- 68% was the banking sector’s share of outstanding sustainable bonds issued by financial institutions in 2024.[12]
- 47% of global corporate sustainable-bond issuance during 2020–2024 came from the financial sector.[12]
- 0.7% of listed financial institutions disclosed a positive green-revenue share in 2024 globally.[12]
- USD 765 billion was the outstanding amount of sustainable bonds issued by the banking sector in 2024.[12]
- Just under USD 1 trillion was financed by nearly 1,400 large banks for low-carbon energy supply in 2024 worldwide.[12]
ESG in the banking financial services industry
- 0.4% of listed financial institutions in emerging and developing Asia excluding China disclosed positive green revenues in 2024.[12]
- 33 of 1,770 listed financial institutions reporting green revenues disclosed a positive share in 2024.[12]
- 50% of banks reported on their ESG strategies and sustainability activities in the 2025 Sustainable Banking Finance Network survey.[67]
- 2% of listed financial institutions in developed Asia-Pacific excluding the United States disclosed positive green revenues in 2024.[12]
- 35% of banks had developed action plans to operate circular-economy principles within their financial activities in 2024.[9]
Ethics in the banking financial services industry
- 27% of Deutsche Bank employees volunteered on social projects in 2023.[68]
- 65% of employees in the Institute of Business Ethics international survey said they were willing to speak up about misconduct in 2018.[69]
- 44.8% of surveyed Hong Kong banks reported using staff misconduct or disciplinary cases as a bank-culture metric.[70]
- 43% of U.S. banking and fintech consumers strongly agreed that ethical conduct and regulatory compliance influence their choice of provider in 2025.[71]
- 70% of Deutsche Bank employees surveyed said corporate volunteering increased their satisfaction with the bank as an employer in 2023.[68]
CSR in the banking financial services industry
- More than 23,400 Deutsche Bank employees volunteered on social projects in 2023.[68]
- 212,500 volunteer hours were contributed by Deutsche Bank employees in 2023.[68]
- 312,000 employee volunteer hours were recorded by U.S. Bank in 2024.[65]
- USD 111.2 million was contributed by U.S. Bank in corporate contributions and foundation giving in 2024.[65]
- USD 15.3 million was pledged by U.S. Bank employees and its foundation to nonprofits in 2024.[65]
Circular economy in the banking financial services industry
- 35% of banks had developed action plans for circular-economy principles in their financial activities in 2024.[9]
- 8 priority sectors were identified for banks’ circular-economy financing in UNEP FI’s sector mapping.[72]
- 35% of banks had set specific circular-economy targets in 2024.[9]
- EUR 5.1 billion was provided by the European Investment Bank for circular-economy lending during 2020–2024.[73]
- 75% of banks reported financing circular businesses in 2024.[9]
Carbon footprint in the banking financial services industry
- 45% was the decrease in banks’ financed emissions from loan portfolios between 2018 and 2023, to 157 million tonnes of CO2 equivalent.[74]
- 41% was the decrease in banks’ loan-portfolio weighted-average carbon intensity between 2018 and 2023, to 77 tonnes of CO2 equivalent per million euros.[74]
- 39% was the decrease in banks’ securities-portfolio weighted-average carbon intensity between 2018 and 2024, to 124 tonnes of CO2 equivalent per million euros.[74]
- 16% was the decrease in banks’ securities-portfolio financed emissions between 2018 and 2024, to 36 million tonnes of CO2 equivalent.[74]
- 54% was the decrease in banks’ loan-portfolio carbon footprint between 2018 and 2023, to 37 tonnes of CO2 equivalent per million euros.[74]
14 Statistics
Risk, Compliance & Legal
Operational risk is explicitly tied to AI: 55% of banking and capital-markets firms cite AI-powered supply-chain attacks as a top AI attack scenario over 12 months in 2026.
Compliance in the banking financial services industry
- 25% of surveyed banks reported AML-compliance cost increases of less than 10% over the previous two years in 2024.[75]
- 62% of surveyed banks reported that AML-compliance costs had increased by at least 10% over the previous two years in 2024.[75]
- USD 414,300 was the estimated 2024 median annual BSA/AML compliance expenditure of a U.S. bank or credit union.[76]
- 69% of U.S. banking, credit-union and lending survey respondents cited CFPB Section 1071 compliance as a high or moderate concern in 2024.[77]
- 44% of surveyed banks reported AML-compliance cost increases of between 10% and 30% over the previous two years in 2024.[75]
Risk Management in the financial services sector (sector benchmark)
- The U.S. banking regulatory and risk-management concern index fell to 88 in 2025, from 99 in 2024 and 117 in 2023.[77]
- Across surveyed U.S. financial institutions, 76% used an enterprise risk management program in 2025.[28]
- Among surveyed U.S. financial institutions with more than $5 billion in assets, 90% used an enterprise risk management program in 2025.[28]
- Globally, 47% of banking and capital-markets firms ranked third-party risk-management compliance as their greatest regulatory barrier in 2026.[78]
- Globally, 42% of banking and capital-markets firms ranked data localisation as their No. 2 regulatory barrier in 2026.[78]
Cybersecurity in the financial services sector (sector benchmark)
- Across financial-services respondents in 20 countries, 81% were investing in generative-AI-specific security tools in 2025.[79]
- Among surveyed U.S. financial institutions, 60% increased investment in cybersecurity technology in 2025.[28]
- Globally, 55% of banking and capital-markets firms identified AI-powered supply-chain attacks as a top AI attack scenario over the coming 12 months in 2026.[78]
- Globally, 68% of banking and capital-markets firms identified AI-powered malware as a top AI attack scenario over the coming 12 months in 2026.[78]
- Globally, 57% of banking and capital-markets firms identified deepfake social engineering as a top AI attack scenario over the coming 12 months in 2026.[78]
Data Privacy in the financial services sector (sector benchmark)
- Across financial-services respondents, 44% cited limited in-house privacy or artificial-intelligence expertise as a barrier in 2026.[80]
- Across financial-services respondents, 82% reported board-level privacy review in 2026.[80]
- Among EU- and UK-headquartered financial firms, the privacy-maturity score was 56% in 2026.[80]
- Financial-services firms ranked first among 17 sectors on the Global Privacy Index, with a score of 64% in 2026.[80]
- Across financial-services respondents, 79% viewed privacy as a competitive differentiator in 2026.[80]
Crisis Management in the financial services sector (sector benchmark)
- Among general counsels in financial services, banking and insurance, 61% reported involvement in monitoring and analysing crisis red flags beyond legal issues in 2024.[81]
- Among general counsels in financial services, banking and insurance, 71% reported involvement in business-continuity or financial-contingency planning in 2024.[81]
- Among general counsels in financial services, banking and insurance, 60% reported involvement in framing internal and external crisis communications in 2024.[81]
- Among general counsels in financial services, banking and insurance, 68% reported active involvement in organisational crisis-management strategies in 2024.[81]
Governance in the banking financial services industry
- 20% was the female-board participation level at which a Federal Reserve study found the relationship with bank performance became positive.[62]
- 45% of NatWest Group’s board members were women at December 31, 2024.[82]
- 25.5% was NatWest Bank’s mean gender pay gap in 2024.[82]
- 40% of U.S. bank directors and executives surveyed by Bank Director said their board reviewed the bank’s risk appetite in 2024.[27]
- 27.4% was the share of female executive directors among significant European banks by 2021, up from 15.3% in 2015.[83]
15 Statistics
Globalization & Expansion
Cross-border growth is large but variable: global cross-border bank credit stock was $32.6 trillion at end-2024.
Globalization in the banking financial services industry
- $47 billion was the 2024 increase in cross-border bank lending to emerging Asia-Pacific.[1]
- 5.5% was the annual growth rate of global cross-border bank credit in 2024.[1]
- $32.6 trillion was the outstanding stock of global cross-border bank credit at end-2024.[1]
- 4 countries—Japan, the United Kingdom, the United States and France—accounted for half of global foreign claims at end-Q1 2024.[1]
- 17 of the 29 global systemically important banks were headquartered in Japan, the United Kingdom, the United States or France in 2024.[1]
Supplier management in the banking financial services industry
- 38% of U.S. bank executives ranked vendor problems or failures as their top concern when selecting third-party vendors in Q3 2025.[84]
- 57% of U.S. bank executives ranked hidden or unanticipated expenses as their lowest concern when selecting third-party vendors in Q3 2025.[84]
- 13% of financial-services organizations had no dedicated third-party-risk employees in 2026.[13]
- 72% of financial-services organizations were only partially aware of which vendors were using artificial intelligence in 2026.[13]
- 53% of financial-services organizations managed at least 300 vendors in 2026.[13]
Distribution channels in the banking financial services industry
- 19.8% of U.S. banked households primarily used online banking to access their accounts in 2023.[53]
- 0.7% of U.S. banked households primarily used telephone banking to access their accounts in 2023.[53]
- 13.8% of U.S. banked households primarily used bank tellers to access their accounts in 2023.[53]
- 15.1% of U.S. banked households primarily used ATMs to access their accounts in 2023.[53]
- 13% of U.S. Baby Boomers reported visiting bank branches most often in 2024.[84]
Key questions about the banking financial services industry
How big is the banking financial services market in 2025?
Is banking profit growing, and what happened in 2025?
Which companies lead the banking financial services industry?
What technology shifts matter most for banks in 2026?
How concentrated is banking compared with non-bank financial intermediation?
What operational-risk pressure is most visible in current reporting?
Cite This Report
This report is designed to be cited. We maintain stable URLs and versioned verification dates. Copy the format appropriate for your publication below.
Samuel Norberg. (2026, November 10). Banking Financial Services Industry Statistics. Gitnux. https://gitnux.org/banking-financial-services-industry-statistics
Samuel Norberg. "Banking Financial Services Industry Statistics." Gitnux, 10 Nov 2026, https://gitnux.org/banking-financial-services-industry-statistics.
Samuel Norberg. 2026. "Banking Financial Services Industry Statistics." Gitnux. https://gitnux.org/banking-financial-services-industry-statistics.
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Social media in the banking financial services industry