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ways to Improve ROI on Multi-Channel Initiatives in Retail Banking |
The evolution of alternate banking channels, such as ATMs,
telephony, web, emails, handheld devices, kiosks, chat, video
conferencing and social media has created new challenges in
effectively managing the channel ecosystem, as well as handling
customer preferences and expectations. |
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A
Competitive Study of Retail Banking Strategies for the Future in
Global Market in India |
Retail banking in India has fast emerged as one of the major drivers
of the overall banking industry and has witnessed enormous growth in
the recent past. The Retail Banking Report encompasses extensive
study & analysis of this rapidly growing sector. It primarily covers
analysis of the present status, current trends, major issues &
challenges in the growth of the retail banking sector. |
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A
Strategic Approach to Cost Reduction in Banking |
Achieving High Performance in Uncertain Times. Senior banking
executives face a vexing dilemma. In this difficult economic
environment, there is great urgency to reduce costs and improve
efficiency. But cutting indiscriminately or too deeply may severely
hamper the ability to grow revenues when the economic outlook
improves. |
new |
Bank Failures in Mature Economies |
This Basel Committee working paper studies bank failures in eight
countries: Germany, Japan, Norway, Spain, Sweden, Switzerland, the
United Kingdom and the U.S. It examines the reasons for the
failures, how the failures were resolved, and what regulatory
changes followed from the crisis. pdf-file 519 KB. 2004 |
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Bank of England report on the collapse of Barings Bank |
The full, unedited Conclusion from the Bank of England report on the
collapse of Barings. |
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Bank Ratings - What Determines their Quality? |
This paper examines the quality of credit ratings assigned to banks
in Europe and the United States by the three largest rating agencies
over the past two decades. Our results suggest that rating agencies
assign more positive ratings to large banks and to those
institutions more likely to provide the rating agency with
additional securities rating business. 2012 |
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Bank Regulation and Supervision in 180 Countries from 1999 to 2011 |
In this paper and the associated online database, we provide new
data and measures of bank regulatory and supervisory policies in 180
countries from 1999 to 2011. The measures are based upon responses
to hundreds of questions, including information on permissible bank
activities, capital requirements, the powers of official supervisory
agencies, ... 2013 |
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Banking Banana Skins 2012 |
Based on over 700 responses from 58 countries, the survey, aimed at
senior executives in the banking industry, identifies high level
issues where the banking industry may be vulnerable. It seems that
the economic uncertainty continues to resonate most, with
macro-economic risk rising to the top of the list of boardroom
concerns. 2012 |
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Banking's Changing Dynamics |
The banking industry, like many others, is changing fundamentally.
We see three major dynamics that pose formidable new challenges for
financial institutions. One, the industry's scarcest resource has
become satisfied customers. Two, value creation is switching from
'stocks' to 'flows.' Three, value is moving from the 'back end' to
the 'front end' of the bank. 2003 |
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Causes and Management of Banking Crises |
The causes of banking crises can be categorised under several
headings: macroeconomic instability; deficient supervision; poor
strategies; weak management; inadequate control systems; operational
failures; fraud. The experience of a number of countries is
reviewed. Whatever the causes, the authorities need a coherent
strategy for addressing such crises. Various aspects of crisis
management are discussed, and recommendations made. pdf-file |
TOP |
CBI/PricewaterhouseCoopers Financial Services Survey |
This quarterly survey identifies the current perceptions held by the
industry and its plans for investment, human resources, marketing
and other strategic developments. |
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Central Banks and National Holidays |
A list of the countries of the world with links to their central
banks and information about their national holidays |
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Closing the Productivity Gap |
Lean Manufacturing for Banks. Pdf-file November 2002 |
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Consolidation in the European Insurance Industry |
Do Mergers and Acquisitions Create Value for Shareholders? 2004 |
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Consolidation in the Financial Sector |
A study of financial consolidation and its potential effects, by the
Group of Ten |
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Cross-Border Bank Mergers |
The Effects of Cross-Border Bank Mergers on Bank Risk and Value.
Pdf-file |
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Customer loyalty in retail banking Americas 2011 |
To return to growth and profitability, retail banks will have to
earn customer loyalty while dramatically reducing costs. 2011 |
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Customer Loyalty in Retail Banking: Global Edition |
The rewards of securing greater customer loyalty can be substantial,
on the order of $10,000 more in net present value over the lifetime
of an affluent US promoter customer vs. a detractor. 2012 |
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Customer Price Awareness Psychology & Pricing |
Customers’ price awareness and perception will often effect how
price changes impact revenue. Both the availability and quality of
price information, such as current interest rates and charges, as
well as a bank’s image amongst customers, play an important role in
determining this relationship. |
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Derivatives Acronyms |
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Dictionary of Banking Terms |
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Digital challenge to retail banks |
Financial institutions that successfully apply digital technologies
will embrace deep strategic, operational and organizational changes.
2012 |
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Entry into Banking Markets and the First-Mover Advantage |
Using a sample for 1972-2002 with over 8,000 bank entries into local
markets, we find a market share advantage for earlier entrants.
Pdf-file. 2003 |
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European Banks: The Silent (R)Evolution |
Recent market turmoil and its consequences will negatively impact
the earnings of European banks for a considerable time. This
reverses a long period of improvement in profitability and
efficiency. But: the current environment should not distract from
the trends that have shaped the structure of the industry for the
last 10 years and will continue to do so.: consolidation,
internationalisation, convergence and deconstruction. |
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Financial services' shifting profit pools |
How the contraction plays out will be determined by how nimbly
financial service leaders respond. 2009 |
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Five Forces Shaping the Banking Industry |
In their struggle to stay alive, many institutions turned their
attention away from the forces that are shaping the economic
landscape. Understanding and addressing these forces will be
critical as the economy rebounds and begins its upturn. 2009 |
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Focus on restructuring: The drivers shaping the financial services
sector |
This report, written by PwC in association with the Economist
Intelligence Unit examines the wider issues behind the increasing
focus on restructuring within the global financial services sector.
Pdf-file 376 KB |
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From aspiration to achievement: Improving performance in the
financial services industry |
This briefing, written by PwC in association with the Economist
Intelligence Unit, addresses the key issues that financial
institutions are facing with regard to improving performance in key
areas of the business. Pdf-file 571 KB. 2005 |
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Fx
Payment Tools Expand |
As companies increasingly need to buy and sell in nondollar
currencies, the banking infrastructure is growing, bringing
economies to foreign currency payments. |
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Global Corporate Banking 2005 |
Delivering Profitable Growth in a Crowded Market. Research report.
Pdf-file 2005 |
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Global Financial Services Offshoring Report 2007 |
This report sets out the best practices that financial institutions
should consider in order to be the biggest beneficiaries from
offshoring. |
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How
Do Large Banking Organizations Manage Their Capital Ratios? |
Large banking organizations in the U.S. hold significantly more
equity capital than the minimum required by bank regulators. We
propose several hypotheses to explain this “excess” capital, and
test these hypotheses using annual panel data for large, publicly
traded U.S. bank holding companies. 2008 |
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How
Europe’s banks can return to health |
For the European banking system to recover, each bank needs to
embrace five hard lessons gleaned from experience so far. 2013 |
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Korean Banking Industry |
M&As and Competitiveness in the Korean Banking Industry since the
1997 Financial Crisis pdf. 2006 |
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M&A
Activity in the European Financial Services Sector |
In 2003, over €34 billion of deals were announced in the European
financial services sector. This paper looks at the deals, the
players and the motivations that are currently driving merger and
acquisition activity in the sector, as well as factors that may
shape M&A activity in the years ahead. pdf-file 891 KB. 2004 |
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Managing the value of customers in the Financial Services market |
This report examines how major products in different customer
segments and life stages generate value. The Model confirms the view
that a small proportion of customers generate a disproportionate
amount of value. Pdf-file |
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Measuring Merger Odds for European Banks |
With consolidation in the European banking industry revving into
high gear, A.T. Kearney has developed a methodology to predict the
merger prospects for the top 50 European financial
institutions—identifying which combinations could create the most
value. pdf-file 2005 |
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Non
Performing Loans in India in a Global Context |
A comparative study of Non Performing Assets in India in the Global
context - similarities and dissimilarities, remedial measures.
Pdf-file 2002 |
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Optimizing banking operating models |
From strategy to implementation. The current universal bank
operating model is bordering on collapse and changes will be needed.
Solutions must be found which encompass new business models,
operating models, customer demands and legislative constraints. |
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Outrunning the Regulators |
Staying ahead of security rules can create competitive advantages.
2007 |
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Piecing the jigsaw: The future of financial services |
Piecing the jigsaw is a paper focusing on the future of the
financial services industry and considers the drivers, risks and
opportunities, as well as the impact and responses for existing and
potential players in the industry. The study identifies five
principal drivers that will affect all financial institutions |
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Problem Bank Resolution: Evaluating the Options |
Here, we look at the various options available to deal with problem
institutions and evaluate their usefulness. Beyond enumeration, and
a heoretical description we present a realistic analysis of the set
of options that are available, and have been available to bank
regulators. Then, we examine how they have been employed in three
cases in the past from different parts of the world. pdf-file 1998 |
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Putting the “retail” into retail banking |
This paper discusses how new marketing and sales approaches drawn
from the retail industry—such as digital merchandising and providing
virtual advice and consulting on demand—are enhancing the customer
experience. pdf. 2006 |
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Reducing Complexity in Retail Banking: Simple Wins Every Time |
Banks offer a dizzying array of products and services. Many of these
products require complex activities but have nothing to do with new
sales. And the glut of products is limiting not only profits but
also the flexibility to react to external pressures. It is time to
clean out the attic and focus on products and features that your
customers not only want but are willing to pay for. |
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Retail Banking in Times of Crisis |
Amid a slow recovery and a lack of consumer confidence in the
banking system, retail banks will have to realign their business
models if they hope to attain pre-crisis profitability. |
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Risk and the Corporate Structure of Banks |
Banks organize their foreign affiliates as separately incorporated
subsidiaries, or as branches whose liabilities represent claims on
the parent institution. Different risks influence this decision. |
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Securitization Encyclopaedia |
Topics: Concept of securitisation, Benefits of securitisation,
History of securitisation, Sad episodes of Global securitization,
Legal issues in securitization, Accounting issues in securitization,
Taxation issues, Stamp duty issues, Regulatory capital and banking
supervision |
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Should banks be diversified? Evidence from individual bank loan
portfolios |
We study empirically the effect of focus (specialization) vs.
diversification on the return and the risk of banks using data from
105 Italian banks over the period 1993–1999. Pdf-file. 2002 |
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SME
Clients: Do It Smart, Win Their Hearts |
How the banking industry can appeal to small and medium-sized
enterprises. To win them over, banks must win their hearts, not just
their minds, to create valuable, long-lasting relationships. 2012 |
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Strategies against Price Wars in the Financial Service Industry |
As many industries, the financial service industry –specifically in
private banking - is currently in a ”price war”. Competitors battle
it out with one another using price as their weapon. At the same
time, however, they fail to differentiate their products or services
sufficiently. This price war leads to enormous value losses. But why
do price wars develop? And what strategies can financial
institutions pursue to end, or even avoid, a price war? pdf |
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Striving for Organic Growth in Retail Banking |
This report from BCG, using findings from their survey, briefly
discusses the process of growth through institutional acquisition,
but it primarily focuses on mechanisms for organic growth. Pdf-file
2005 |
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The
customer-led bank |
Retail banks have long flourished by following a business approach
that would spell trouble in virtually any other competitive
industry: paying scant regard to the care and nurturing of their
best customers. But that charmed existence is coming to an end.
Customer defection rates are up, as are the costs of acquiring and
retaining new customers. October 2005 |
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The
future of banking |
Returning stability to the banks and the banking system.
Concentrating on the short-term responses to the exclusion of
actions, which will affect the medium and long term is a mistake. It
is precisely because economic conditions are so dire that management
must rise above the distractions to take an uncompromising look at
their businesses and not let long-term economic stability be
consumed by crisis management. |
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The
International Private Banking Study 2005 |
Covering the period from 1990 to 2004, the sample includes banks
from Austria, Benelux, France, Germany, Italy, Liechtenstein,
Switzerland, the UK and the US. The intention is to compare the
relative strength and competitiveness among all banks by measuring a
multitude of ratios of operational efficiency, size, growth and
investment performance. pdf-file |
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The
Limits of Lawyering: Legal Opinions in Structured Finance |
To what extent should lawyers be able to issue legal opinions that
create negative externalities? What should differentiate the roles
of lawyers and accountants in disclosing information to investors?
Doc-file |
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The
paradox of Banking 2015 |
Through market research and interviews with industry executives, the
IBM Institute for Business Value identified five major industry
trends that will impact the retail banking industry. pdf |
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Trends in Competition and Profitability in the Banking Industry: A
Basic Framework |
This paper brings to the forefront the assumptions that we make when
focussing on a particular type of explanation for bank
profitability. pdf available for download. 2004 |
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Visible and Hidden Risk Factors for Banks |
This paper examines the common factors that drive the returns of
U.S. bank holding companies from 1997 to 2005. Abstract, pdf-file
available for download. 2006 |
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Want to Know How to Keep Expenses Low? Think Loyalty |
In financial services, a 5% increase in customer retention produces
more than a 25% increase in profit. Pdf-file 2003 |
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Wealth Management |
Richer Prospects in Wealth Management, traditional financial
institutions should learn to cater for the needs of the "army of
instant millionaires", made by the new economy; article by Chuck
Callan, Christian de Juniac, Bruce Holley, and Claus Michalk; PDF
file |
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