European CIB transaction banking revenue is not the broad-based business it appears to be.
Here’s how the wallet actually breaks down:
🔹 By market: ~63% of the revenue wallet sits in just 7 of 24 European markets
🔹 By product: ~80%+ comes from payments and cash management, with trade and working capital solutions accounting for the rest
🔹 By client type: ~64% comes from non-FI corporates, with the remainder split between FI and institutional clients
🔹 By client size: ~70% sits with very large businesses — those with turnover of EUR1bn+
Four different cuts, one same signal: concentration, not distribution. That means targeting the right share of wallet requires a granular view of the total pool.
📩 If you would like to know more about what this concentration means for your transaction banking strategy, reach out to the team.
