FDIC Future of Banking

Future of Banking is a series of papers prepared in 2004 that examine the likely trends in the structure and performance of the banking industry in the next five to ten years, as well as policy issues associated with the changing dynamics of the industry.

Most links on this page reference Portable Document Format (PDF) files. Adobe Acrobat, a reader available for free on the Internet, is required to display or print PDF files.

• Summary of the Study

  • The Future of Banking in America: Summary and Conclusions - PDF (206k) | HTML

• Banks' Role in the Financial System:

  • The Evolving Role of Commercial Banks in U.S. Credit Markets - PDF (275k) | HTML
  • Regional and Other Midsize Banks: Recent Trends and Short-Term Prospects - PDF (228k)
  • Limited-Purpose Banks: Their Specialties, Performance, and Prospects - PDF (118k) | HTML
  • The Liability Structure of FDIC-Insured Institutions: Changes and Implications - PDF (222k) | HTML

• The Number of Bank Organizations:

  • Consolidation in the U.S. Banking Industry: Is the "Long, Strange Trip" About to End? - PDF (228k) | HTML
  • Bank Branch Growth Has Been Steady -- Will It Continue? (178k)

• Community Banking:

  • Their Recent Past, Current Performance, and Future Prospects - PDF (802k) | HTML
  • Rural Depopulation: What Does It Mean For The Future Economic Health Of Rural Areas And The Community Banks That Support Them? - PDF (908k) | HTML

• Payment System:

  • The Impact on U.S. Banking of Payment-System Changes - PDF (118k) | HTML

• Policy Issues:

  • The Mixing of Banking and Commerce: Current Policy Issues - PDF (177k) | HTML
  • The Changing Corporate Goverance Environment: Implications for the Banking Industry - PDF (194k) | HTML
  • The U.S. Federal Financial Regulatory System: Restructuring Federal Bank Regulation - PDF (148k) | HTML