World retail Banking Report

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Read moreWorld Retail Banking Report 2008

Jointly produced by Capgemini, Efma and ING, the 5th annual World Retail Banking Report focuses on growth in domestic retail banking markets. Assessing the past levers used by the world leading banks, it explores the alternative distribution strategies that will enable them to pursue their growth organically in today’s saturated and slowly growing domestic markets.

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Banking Prices Keep Varying Significantly Across the Globe While Consumers Pay Average €70 for Banking Services


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Conclusions from the 2008 World Retail Banking Report

Findings from in-depth interviews with 52 banking executives in 15 countries and internal Capgemini analysis reveal:

  • Many of the world’s leading banks have grown their domestic retail banking revenues faster than costs over the last five years
  • Four core practices have enabled banks to achieve profitable growth in their domestic markets
  • Changes in the market are putting banks revenue at risk compelling them to adapt their strategies: a simulation of competitive pressure and their effects shows banks could loose 36% of NBI before 2017!
  • Three distribution strategies can help banks grow beyond their traditional retail banking business model
  • The report concludes the best performers will combine several business models to shape the next maturity phase of retail banking and all traditional enablers of operational performance will then have to be tuned and re-combined to fit this new context

Findings from the report in-depth pricing analyses of retail banks in Europe, North-America and Asia Pacific, based on data collected in 194 banks in 26 countries, show:

  • Global stability hides price variations across the world
  • Single Euro Payments Area still draws price down in Europe eurozone
  • Banks use price to influence customer behavior 

Local Presentation Schedule for the World Retail Banking Report 

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To learn more about why and how Retail Bankers will have to renew their distribution strategies to grow domestic retail revenues and avoid stunted profit in the ten next years, download the entire World Retail Banking Report 2008.

Contact Us

To discuss the findings of the World Retail Banking Report and learn how changing market conditions can impact you, contact us at banking@capgemini.com. Resumes are not accepted, job applicants please click here.