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麦肯锡：寻找一个可持续发展的银行业务模式(52页）

2013-01-09

麦肯锡：寻找一个可持续发展的银行业务模式(52页）

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The search for a sustainable banking model

To secure future growth, banks must fundamentally transform their economics, businesses, and cultures.

McKinsey’s second annual review of the banking industry, finds that this faltering performance has both external and internal causes. Although the operating environment has stabilized since the height of the crisis—most banks do not face a struggle for existence—the current problems are almost as daunting when taken together.

Regulation continues to increase in both complexity and stringency across the globe: new rules for capital, liquidity, and funding; surcharges for financial institutions deemed systemically important; and a raft of consumer-protection initiatives.
Collectively, the new regulation could have dramatic consequences, including a significant negative impact on ROE.
Technological advances are empowering both nonbank attackers, which have gained share in traditional banking domains by offering viable alternatives, and consumers, who have never found it easier to switch banks.
Macroeconomic volatility continues to create uncertainty in the business. Particularly in developed economies, the pace of deleveraging seems to be up, slowing demand for loans.

Accelerate the economic transformation of the business by improving capital efficiency, finding new pockets of growth, and embracing industrial-style efficiency to cut costs sustainably.
Reinvent the business model to deal with new realities in customer behavior, innovative attackers, and changing global growth patterns.
Embrace cultural change and enhance value creation. Rightly or wrongly, the industry’s reputation has suffered in the last several years. To reinforce new approaches to the creation of value, banks must examine their organizational culture across four dimensions: balancing the interests of shareholders and the broader society, creating value for customers, ensuring that internal processes are sound, and influencing employee mind-sets.

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[报告关键词]：银行业务模式

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所属专题： 麦肯锡

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