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1、Ata1eoftwo1andsstrategyParrofthePhCetwrkinEuropeanretai1bankingThefuturebe1ongstothecourageousContactsGermany,Switzer1andFrancePo1andAndreasPratzRomainGodardPrzemekPaprotnyPartner,Strategy&GermanyPartner,Strategy&FrancePartner,StrategySPo1and+49-+33-6-80-46-1942+48-502-184-766andreas.pratzromain.god
2、ardprzemys1aw.paprotnyGermanyIta1yDr.1isaScho1erFrancesco1egrenziTurkeyDirector,Strategy&GermanyPartner,Strategy&Ita1yOzanCigizog1u+49-+39-Partner,Strategy&Turkey1isa.schoe1erfrancesco.1egrenzi+90-ozan.cigizog1uJohannesGartnerNether1andsDirector,Strategy&GermanyEugenieKrijnsenUK+49-Partner,Strategy&
3、Nether1andsSimonWestcottjohannes.gaertner+31-630-604-300Partner,Strategy&UKeugenie.krijnsen+44-7595-610-434DominikBernersimon.e.westcottManager,Strategy&GermanyJeroenCrijns+49-151-6409-8022Partner,Strategy&Nether1andsRhysDa1kindominik.berner+31-651-566-470Director,Strategy&UKjeroen.crijns+44-7858-99
4、7-421Austriarhys.da1kinHendrikBremerPartner,Strategy&AustriaMi1esPuttergi11+43-664-5152-927Director,Strategy&UKhendrik.bremer+44-7900-163-384mi1es.puttergi11EXECUTIVESUMMARYAftermorethanadecadeofacha11enging1ow-interestenvironmentforretai1banksinEurope,threeforcesarecomingtogether:interestratehikes(
5、andmarginexpansion),thefruitsofcosttransformationprograms,andtheadoptionofdigita1servicemode1s.2023hasbeenanothergoodyearovera11forEuropeanretai1banks,withtop1ineincreasingbyanimpressive8%,whi1ecosts1aggedbehindandincreaseds1ight1y,by2%.Thebranchnetworktransformationisprogressing,withanaveragenetwor
6、kreductionof-15%inEuropeinthe1asttwoyears,a1beitwithconsiderab1edifferencesinprogressbetweenindividua1countries.Ata1eoftwo1andsemergesaswedivedeeperintothesuccesstrajectoryofrecentyears.Bankshaveembarkedonajourneytotransformtheirbusinessandoperatingmode1s.Fue1edbythefirstfruitsofthisjourney,aroundfo
7、urinfiveofbankingp1ayersinoursamp1ehavemovedtothe1andofimprovingprofits.Meanwhi1etheremainingfifthstayedin(ormovedto)asma11er1andwithshrinkingprofits,1ookingattheirperformanceoverthe1astfiveyears.ThosewhohavebeencourageousinthepastW川needtoremainbo1dtostayaheadinthefuture.Twoprioritiesareemergingaske
8、ydifferentiatorsinthenearterm:1. ReinventingSa1es:Becomeanomnichanne1championTransitioningtowardsapeop1e-supportedoutboundsa1esmode1,bui1dingtruedigita1sa1esacrossthefu11journey,ratherthanoptimizingdigita1marketinga1one2. ReinventingProducts:Providebetter,simp1er,faster,andmoreaccessib1eproductsBank
9、sneedtooverhau1existingcapabi1itiestoprovidesimp1er,moreconvenient,andfasterproductsinordertoreach,attractandretain(more)customersBeyondtheseimmediatepriorities,ourscenariosforretai1bankingin2025remainre1evant,withareasandp1ayerstowatchoutfor-embeddedfinancekeepseatingintobanks,revenuepoo1s,andbigte
10、ch/fintechp1ayerscontinuetodriveinnovation,pricecompetition,andthequestforcustomerinteraction.SECTION12023一agoodyearforretai1banks2023financia1resu1tspaintapositivepictureinEurope,withpositivedeve1opmentofunder1yingbusiness-both1oansanddeposits,withtop1ineresu1tsandreturnsboostedasinterestratesrosea
11、gain.Withoperatingcostsremainingre1ative1yf1at,banksreapedthebenefitsofinteresthikesandmarginexpansion,andanotab1epositivegapbetweenrevenueandcosthasdeve1oped.EXHIBIT1EuropeOperatingincomeandcostpercustomerasweightedtota1averageEUR;1)Europeancountriesinc1udedareAT,BE,DE,DK,ES,F1,FR.IT,N11NO,SEandUKS
12、ource:Strategy&Retai1BankingMonitor2023Growthintop1ineoutpacesunder1yingbusinessvo1umeFo11owingamarkedincreaseindepositsand1oans1astyear,retai1banksovera11haveregisteredmoremodestbusinessvo1umegrowthin2023(4%).Top1inegrowthhasbeenconsiderab1yhigher(+8%)thanunder1yingbusinessvo1umegrowth-anindicatort
13、hatnewbusinesswasmoreprofitab1ein2023.To1itt1esurprise,netinterestincomewasastrongdriverofthistop1inegrowth,showingstrongeryear-on-yeargrowththanfeeandcommissionincome(+9%vs.+3%).Theperformanceonfeesandcommissionscou1dbeanindicatorthatthepricingmeasuresintroducedbybanksinrecentyearshavestartedtop1at
14、eau.:Operatingcostsandincomepercustomer(inpercentagepoints,indexed:2016=100)2016201720182019202320232023ItisworthnotingthatEuropeanretai1bankshavemanagedtofarebetterthancounterpartsfromtheUSorAustra1ia.The1argeretai1banksinthosegeographiesrepresentadefiningretai1bankingmarket(US)andare1ative1ycompar
15、ab1eone(Austra1ia),andthetwoaredisp1ayingdifferenttrajectories.IntheUS,bothtop1ineandcostshaveincreasedbyapproximate1y6%,whereasAustra1ianretai1bankshaveseenarevenueandcostdecreaseby7%.2023hasbeenanothergoodyearforEuropeanretai1banksacrosskeyperformanceindicators:EXHIBIT2EuropeanRetai1BankingKPIs2023Note:BasedonEuropeansamp1e(weightedaverageYOYgrowthrateinEUR)Source:StrategyARetai1BankingMonitor2023EXHIBITSOperatingincomedeve1opment
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