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1、2019BankingandCapitalMarketsOutlookReimaginingtransformation2019BankingandCapitalMarketsOutlook:Reimaginingtransformation2Brochure/reporttitlegoeshere
2、SectiontitlegoeshereTableofcontentsCalmerwaters:Adecadeafterthefinancialcrisis,thebankingindustryisonfirmerground1
3、Regulation:Aneweraofglobalregulatorydivergence5Technology:Creatingasymphonicenterprise8Risk:Strengtheningthecorewithnew-agedefenses11Retailbanking:Thedigitalleadershiprace13Corporatebanking:Digitizationandanewcreditdiscipline16Transactionbanking:Modernizingoperatio
4、nswithafocus18onimprovingtheclientexperienceInvestmentbanking:Newclientengagementmodels19andecosystemorchestrationPayments:Theimperativetodiversifygrowth,22bolstersecurity,andrestructuretheorganizationWealthmanagement:Balancingbusinessgrowth24withproductrationaliza
5、tionandtransparencyMarketinfrastructure:Harnessingthepowerofdata26andtechnologiestodriveacompetitivegrowthagenda022019BankingandCapitalMarketsOutlook:ReimaginingtransformationCalmerwatersAdecadeafterthefinancialcrisis,thebankingindustryisonfirmergroundTheglobalbank
6、ingsystemisnotonlybiggerandmoreTotalassetsintheUnitedStatesreachedapeakofprofitablebutalsomoreresilientthanatanytimein$17.5trillion.2Capitallevelsareupaswell,withaveragetier1thelast10years(figure1).AccordingtoTheBanker’scapitalratiostandingat13.14percent.Returnoneq
7、uityTop1000WorldBanksRankingfor2018,totalassets(ROE)fortheindustryisatapost-crisishighof11.83percent.3reached$124trillion,whilereturnonassets(ROA)stoodatEfficiencyratiosalsoareattheirbest.Similarly,onother0.9percent.Similarly,tier1capitalratioasaproportionofmetrics
8、,suchasnonperformingloansandnumberofassetsroseto6.7percent,significantlyhigherthanin2008.1failedinstitutions,theUSbankingindustryisrobust.ButtherecoverysincethefinancialcrisishasnotbeenHowever,thesamecannotbesaidofthebankingindustryuniformacrossregions.USbanks,comp
9、aredtotheirinEurope.Structuraldeficiencies,overcapacity,low/negativeEuropeancounterparts,areaheadonmultiplemeasures.interestrates,andtheabsenceof
