Corporate and Commercial Banking

Corporate and Commercial Banking

BCG Expand provides corporate and commercial banks with a unified suite of benchmarking, market sizing, and analytics capabilities—enabling institutions to understand competitive position, quantify growth opportunities, and optimise performance across the full banking value chain.

Our Corporate and Commercial Banking Solutions

The Challenge

  • What are the key drivers of our profitability gaps vs. peers
  • Where are we over- or under-performing by segment, product, or industry
  • How effective are our RM coverage models and specialist deployment
  • What levers exist to improve cost efficiency across functions
  • How has our revenue mix shifted relative to peers over time
  • How has our revenue mix shifted between corporates, SMEs, and industries
  • What structural advantages or gaps exist across our markets
  • Are we allocating capital and resources to the right segments

How we can help

Peer-Aligned Performance Benchmarking

We benchmark profitability, growth, productivity, cost efficiency, and balance-sheet strength against named peers and global markets to provide a clear, comparable view of competitive positioning.

Granular Diagnostic Analytics

We analyse product-level and segment-level performance — including revenue mix, volumes, NIMs, loan composition, deposit structure, and industry/SME dynamics — to uncover structural gaps and improvement levers.

Strategy-Linked Insight Translation

We convert benchmarking insights into targeted, actionable priorities that help leaders strengthen competitiveness, optimise resource allocation, and focus investments where performance improvement will have the greatest impact.

Client success stories

Improvements in Cost-to-Income Ratio and Return on Regulatory Capital
Identification of productivity gaps across RMs, TM specialists, support functions
Enhanced visibility into revenue mix, deposit composition, cost of funds
Better understanding of balance-sheet efficiency (loan mix, RWA density)
France’s mid-corp market delivers the highest revenue per firm in Europe
Canadian corporate market is underpenetrated in high-growth industries
Qatar sector shifts showing services + trade rising to 45%+ of credit demand

Case Studies

North American Commercial Bank

Conducted a full performance diagnostic across treasury and commercial banking, assessing product penetration, primacy, revenue mix, TM coverage productivity, and deposit composition. Identified clear levers to improve efficiency and profitability across segments.

Top-Tier European Bank

Assessed organisational and financial complexity across geographies, legal entities, and business lines. Analysed loan composition, RWA density, product mix, and revenue structure to quantify complexity and prioritise simplification opportunities across the corporate bank.

European Banking Group

Developed a recurring annual benchmarking model of the German banking landscape, covering segmentation, product-level revenue pools, market share estimates, and structural differences across competitors. Enabled leadership to understand competitive positioning and market evolution year-on-year.

Saudi Arabia

Built a granular market model across the 10–12 largest Saudi banks, analysing product-level strengths, weaknesses, market shares, and segment opportunities. The work complemented total addressable market analysis with competitive insights to inform strategic decision-making.

The Challenge

  • What opportunities exist to increase cross-sell and penetration
  • Are we capturing a fair share of our clients’ banking wallet
  • Which segments and industries offer the strongest fee and deposit upside
  • Which client tiers are driving revenue shortfall
  • How do we prioritise growth across markets and client sizes
  • Is it worth targeting the affluent segment in the US
  • What is the revenue wallet of the 25–45 HNI segment
  • Which three industry verticals in Thailand offer strongest SME growth
  • What is the outlook on SME revenue across markets (e.g., France, Germany)

How we can help

Wallet and Revenue Opportunity Sizing

We size client-level wallet potential across industries, tiers, and products to reveal targeted revenue and cross-sell opportunities.

Penetration, Pricing & Cross-Sell Gap Analysis

We identify where adoption, pricing, or cross-sell gaps exist, quantifying the uplift potential across key client and product segments.

Commercial Growth Prioritisation

We turn analytics into targeted growth strategies by segment, industry, and product, informing sales focus and revenue planning.

Client success stories

Identified 25–45% revenue gaps vs peers.
Highlighted cross-sell and penetration opportunities.
Significant fee-growth upside in underpenetrated portfolios.
Wallet analytics used to set growth targets.
TAM/SAM covering ~90% of global banking revenues.
$600M incremental revenue opportunity from TAM/SAM.
Segmentation insights: wealth tiers, age, province, industry

Case Studies

Large US Regional Bank

Identified a 25–45% revenue gap vs. peers driven by low TM penetration and underperforming client tiers. Revealed substantial fee-growth potential across Healthcare, Retail, and Services segments.

Mid-Size US Regional Bank

Diagnosed fee and deposit wallet shortfalls despite strong lending performance. Opportunity sizing informed short- and long-term commercial targets tied to wallet growth and penetration uplift.

European SME Revenue Wallet Analysis

Sized SME revenue pools across Europe, revealing France’s notably higher revenue per SME client despite having fewer SMEs. Insights enabled precise prioritisation of industries and client tiers for commercial focus.

Global Bank – TAM/SAM Opportunity Identification

Used TAM/SAM and product-level sizing across key markets to identify $600M in incremental revenue opportunity. Supported market prioritisation and resource allocation across regions with the strongest headroom.

The Challenge

  • What is driving PxV growth and attrition across client tiers?
  • How competitive are our TM service prices vs. peers?
  • Where is revenue leakage occurring across the TM portfolio?
  • How do transaction behaviours differ across segments and service lines?
  • Which clients are at risk, and what actions will improve retention?
  • Limited insight into product-level demand cycles (e.g., volumes, NIM trends).
  • Difficulty understanding product penetration differences across markets.
  • Need for forecasting of product-specific revenue and volume trajectories.
  • Switching pool analysis required to understand customer movement.

How we can help

Transaction-Level Pricing Benchmarking

We benchmark pricing for 100+ Treasury Management services using AFP-code granularity to reveal underpriced services and margin opportunities.

PxV Growth and Attrition Decomposition

We break down performance into discrete drivers—new clients, pricing changes, churn, and volume shifts—to isolate true sources of growth and leakage.

Targeted Revenue and Retention Strategy

We translate insights into re-pricing, retention, and revenue actions that support Treasury Management growth objectives.

Client success stories

Benchmarking across 100+ Treasury Management services at AFP-code granularity reveals pricing gaps and margin opportunities.
Insights from 150K+ customer transactions provide a precise view of how clients use and value TM services.
PxV decomposition isolates the drivers of revenue change — including new clients, pricing shifts, churn, and volume trends.
ECR benchmarking uncovers cost-saving opportunities and supports targeted retention strategies.
Product-level KPIs across revenues, volumes, and NIMs highlight demand cycles and forecastable growth trajectories.
Switching pool and penetration analysis reveal customer movement, leakage points, and opportunities to strengthen TM product performance.

Case Studies

US Bank – Treasury Management Repricing Programme

Benchmarked 100+ TM services using transaction-level AFP-code data, revealing pricing gaps and revenue leakage. Insights supported a targeted re-pricing strategy and improved margin performance.

Large US Regional Bank – Attrition & Deposit Analysis

Analysed balance-tier behaviour and ECR competitiveness to identify attrition drivers, quantify savings opportunities, and strengthen targeted retention actions.

Saudi Arabia – Product-Level Market Modelling

Developed a product-by-product revenue and penetration model across major corporate banking products, revealing structural performance differences and supporting TM strategy refinement.

Switching Pool & Penetration Analysis

Mapped customer movement between TM products to identify penetration gaps, revenue leakage, and opportunities to improve product adoption and retention.

Exhibits

BCG's Commercial Banking Benchmarking Data Products

Overview of TMetrics and CoBRA

Read report here

"The corp. banking benchmark has become a core element of our annual strategy review and has proved to be a sound basis for our commercial plan."

Head of Strategy Leading European Bank

“Our long term strategy exercise would not have been possible without your partnership and robust, detailed market sizing analysis”

Head of Corporate Strategy A large Middle East bank

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