Financials

Financials

Financials

Ticker Company Name Currency Market Cap
in Bln
Dividend Yield
CBK Commerzbank AG EUR 7.1 0%
TLX Talanx AS EUR 8.24 4.6%
MF Wendel SE EUR 4.55 2.89%
SCR SCOR SE EUR 5.48 6.34%
DANSKE Danske Bank AS DKK 95.01 7.65%
SCBFF Standard Chartered PLC USD 21.88 4.08%
DWNI Deutsche Wohnen SE EUR 14.8 2.43%
III 3I Group PLC GBP 10.99 3.06%
NN NN Group N.V. EUR 12.54 5.87%
MRO Melrose Industries PLC GBP 8.84 2.75%
PGHN Partners Group AG CHF 27.95 2.44%
SAMPO Sampo Oyj EUR 25.49 4.79%
INVE-B Investor AB SEK 475.04 2.26%
BAER Julius Baer Group AG CHF 12.23 2.75%
SWED-A Swedbank AB SEK 170.84 5.77%
EBS Erste Group Bank AG EUR 11.22 5.75%
SEB-A Skandinaviska Enskilda Banken AB SEK 195.13 7.01%
SHB-B Svenska Handelsbanken AB SEK 188.1 5.79%
DNB DNB ASA NOK 272.29 5.39%
SLHN Swiss Life Holding AG CHF 14.55 4.62%
LLOY Lloyds Banking Group PLC GBP 25.18 9.38%
LSE London Stock Exchange Group PLC GBP 32.02 0.77%
NDA-FI Nordea Bank ABP EUR 28.27 0%
UNI Unipol Gruppo S.p.A. EUR 2.81 7.16%
KBC KBC Group N.V. EUR 25.06 1.66%
SSREY Swiss Re AG USD 32.17 6.32%
MAP Mapfre SA EUR 4.93 9.38%
LGEN Legal&General Group PLC GBP 16.27 6.59%
AGN Aegon N.V. EUR 7.64 8.52%
UBS UBS Group AG USD 55.83 4.82%
CSGN Credit Suisse Group AG CHF 31.49 2.27%
CNP CNP Assurances SA EUR 9.48 6.81%
ZURVY Zurich Insurance Group Ltd. USD 62.97 4.91%
UCG UniCredit SpA EUR 17.17 8.18%
PRU Prudential PLC GBP 37.05 3.22%
AV Aviva PLC GBP 13.59 8.9%
RBS The Royal Bank of Scotland Group GBP 13.55 19.63%
BARC Barclays PLC GBP 25.49 6.05%
DBK Deutsche Bank AG EUR 19.95 0%
ACA Credit Agricole SA EUR 29.01 6.88%
HSBC HSBC Holdings PLC USD 111.37 5.48%
G Assicurazioni Generali S.p.A. EUR 22.42 6.68%
EXO Exor N.V. EUR 15.69 0.66%
DB1 Deutsche Borse AG EUR 25.43 2.17%
GLE Societe Generale S.A. EUR 14 12.69%
MUV2 Munich Re EUR 33.26 4.12%
ISP Intesa Sanpaolo S.p.A. EUR 33.27 0%
INGA ING Group N.V. EUR 30.54 8.79%
BNP BNP Paribas S.A. EUR 55.55 6.98%
SAN Banco Santander S.A. EUR 44.17 8.46%
BBVA Banco Bilbao Vizcaya Argentaria EUR 27.27 6.36%
CS AXA S.A. EUR 48.21 7.18%
ALV Allianz SE EUR 85.7 4.75%

Financials Industry

Companies in Financials industry provide the financial services. It consists of commercial banks, insurance companies, asset managers, brokerage firms and many other types of financial institutions. They provide transactions, investing, mortgages, insurance and other services.One of the areas of activity in this industry is to provide loans to businesses. Loans let businesses to expand through the capital projects and investments. This leads to the economic growth. So stability of the Financials industry is one of the crucial factors for the stability of the whole economy. Because of that governments regulate the industry, usually through their central banks.

Current low interest rate environment is favorable for the expansion of businesses. If interest rates rise, banks and other financial institutions can earn more, but credits become more expensive to their customers. At the same time when long term rates go down, banks earn less since they usually borrow at short term rates and lend at longer term rates. In addition, lower long term rates go along with slowing economic growth and lower loan demands.

Industry trends

Financial industry is under major transformation. There is an increasing pressure for the structural changes driven by the new technology. In recent years fintech companies are cherry picking profitable activities and, thus, reducing profit margins of the established financial institutions. Also big technology companies are entering the financial services field. This happens, for example, in the areas like payments, consumer finance, asset management and insurance. In response to it, the financial institutions invest heavily in technology and productivity, improving the customer experience, simplifying processes and reducing overcapacity. They invest in incubation and accelerator platforms. But in many cases the progress in slow and the results unpredictable. Successful companies have clear vision how business in the future will shape and what will be the main sources of profitability.

Larger companies in this industry pay and regularly increase their dividends.

Sectors of the Industry

According to the Industry Classification Benchmark (ICB), Financials industry consists of the following sectors.

Supersector

Sector

Subsector

Banks Banks Banks
Insurance

 

Nonlife Insurance

 

Full Line Insurance

Insurance Brokers

Property & Casualty Insurance

Reinsurance

  Life Insurance Life Insurance
Real Estate

 

Real Estate Investment & Services Real Estate Holding & Development

Real Estate Services

  Real Estate Investment Trusts

 

Industrial & Office, Retail, Residential, Diversified, Specialty,Mortgage, Hotel & Lodging REITs
Financial Services Financial Services Asset Managers

Consumer Finance

Specialty Finance

Investment Services

Mortgage Finance

Investment Instruments Equity Investment Instruments Equity Investment Instruments
  Nonequity Investment Instruments Nonequity Investment Instruments