Global Risk 2019Creating a More Digital, Resilient Bank每日免费阅读行业报告1、每日星球内分享10+精品报告；2、不定时分享国际投行报告，脱水研报等；3、行业报告均为公开内容，版权归原作者所有，星球仅分享内部学习。扫描右侧二维码即刻加入【行业报告（免费） 】星球（此页只为更多需要行业报告的朋友提供便利，希望不会影响您的阅读，谢谢理解！）Boston Consulting Group (BCG) is a global management consulting firm and the world’s leading advisor on business strategy. We partner with clients from the private, public, and not-for-profit sectors in all regions to identify their highest-value opportunities, address their most critical challenges, and transform their enterprises. Our customized approach combines deep insight into the dynamics of companies and markets with close collaboration at all levels of the client organization. This ensures that our clients achieve sustainable competitive advantage, build more capable organizations, and secure lasting results. Founded in 1963, BCG is a private company with offices in more than 90 cities in 50 countries. For more information, please visit bcg.com.March 2019 | Boston Consulting GroupCREATING A MORE DIGITAL, RESILIENT BANKGEROLD GRASSHOFF MATTEO COPPOLA THOMAS PFUHLER NORBERT GITTFRIED STEFAN BOCHTLERVOLKER VONHOFF CARSTEN WIEGANDGlobal Risk 20192 | Creating a More Digital, Resilient BankCONTENTS 3 OVERVIEW 5 IT’S A THREE-SPEED WORLD FOR ECONOMIC PROFITABILITYRegional Performance: A Mixed PictureTime to Prepare for Economic and Technical Change 10 SETTING THE REGULATORY STAGE FOR THE FUTURE OF BANKINGFinancial StabilityPrudent OperationsResolution 15 AS BANKS DIGITIZE, SO MUST RISK AND TREASURYDigital RiskDigital Treasury Integrated Balance Sheet Management 20 FOR FURTHER READING 21 NOTE TO THE READERBoston Consulting Group | 3Microsoft founder Bill Gates once said, “We always overesti-mate the change that will occur in the next two years and underestimate the change that will occur in the next ten.” His words apply especially to technology. Digital disruption seems like an abstraction until it is thrust upon one’s business and industry.It’s safe to say that in banking, disruption is now here. Innovations that were bleeding edge just a decade ago—such as robotic process automation, machine learning, artificial intelligence, and cloud computing—are joining the mainstream. Likewise, fintechs, bigtechs, and digital leaders that emerged during the past decade have already begun to form strategic banking partnerships and to carve out special-ized niches. As transformation accelerates, open banking, instant pay-ments, and other advances will create enormous value for fast-moving institutions while disintermediating those that move too slowly. BCG’s ninth annual survey of the health and performance of the glob-al banking industry reveals that digitization is becoming more than just a smart competitive move: it will likely determine which banks survive through the next decade. Our data reveals that economic prof-it (EP) is on the wane for banks in all major markets, falling to levels not seen since 2013. Market forces have contributed to the falloff, es-pecially in Europe. However, they’re not the only—or even the prima-ry factors—at play. In North America, for instance, banks enjoyed healthy economic growth and rising interest rates, yet EP declined slightly by 2 basis points from 2016 through 2017. Stronger income was not enough to overcome what has become the most significant encumbrances for banks across all regions: soaring risk and operating costs. In Europe, risk costs have reached their highest level since 2013. And in Asia-Pacific, an across-the-board spike in costs has eroded EP for most banks. Addressing these issues is not easy, but digitization as a lever to increase efficiency, speed processing, and improve decision making are necessary elements of the solution.For regulators, instilling trust in the strength and resilience of financial markets has become a dominant focus. Banks must improve the quality and efficiency of regulatory compliance to meet their ongoing financial-stability, prudent-operations, and resolution obligations. Achieving this will require finding leaner and smarter ways to manage the high volume of regulatory revisions, as well as experimenting with new technologies and partnerships to drive down the cost of know-your-customer documentation and to improve anti-money-laundering processes. Keen to protect financial markets from future shocks, regulators are trying to anticipate the ways that OVERVIEW4 | Creating a More Digital, Resilient Banktechnology will reshape the banking ecosystem and, with it, their own role in establishing guidance. Our report examines the profound ways in which banks’ risk and treasury functions will change over the coming years. Both functions face a broader mandate with a larger slate of risks to manage, a grow-ing need for integrated steering to protect banks’ interests, and an equally growing need to make the most strategic use of banks’ bal-ance sheet resources. Delivering on this mandate will require risk and treasury to operate faster and more incisivel...
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