2012-09-03 04:09:05 - 2012 Retail Banker International Yearbook - a new market research report on companiesandmarkets.com

A number of major themes dominated retail banking in 2011. Revenue remained under intense pressure in the majority of markets; historically low interest rates and increased regulation, in particular demands for increased capital, combined to place huge pressure on margins while consumer and political sentiment remained hostile. 2011 witnessed a growing number of major international banks performing dramatic and strategic U-turns, ripping up plans for growth as they restructured balance sheets and focused instead on core markets, improved asset performance and increased productivity. Concerns related to sovereign debt and the weakness of the Eurozone served only to heighten the challenges faced by retail bankers in the mature markets.

Set against this backdrop, it is hard but not impossible to flag up

 

 

retail banking highlights in 2011. Recognising the need to drive down costs while enhancing and broadening the customer user experience, banks ramped up their investments in mobile and online banking in the past year. Looking ahead to 2012, banks can be expected to maintain the drive to enhance customer service and more and more banks can also be expected to ramp up their investment in data analytics. It is also a safe forecast that lenders will continue to seek new revenue streams – solely focusing on expense control will not in itself – enable banks to meet their financial targets.

Report Scope

• The yearbook summarises 2011´s major new developments in a traumatic year, focusing in particular on key markets and trends
• Innovation and growth are featured prominently
• Coverage is global, embracing the US, Latin America, Africa and Asia
• It includes content from two banking reports dealing with social media and future branch banking

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