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2013 Banking Industry Outlook

Moving forward in the age of re-regulation


The banking environment for the coming year likely contains equal parts resolution of past challenges and introduction of new ones. The economy in the United States is showing evidence of continued recovery, with jobless rates continuing their slow decline and the housing market showing evidence of some recovery. At the same time, the weakening of the European economy continues. Stopgap measures have been passed over the recent months, but a long-term resolution of the economic instability in Portugal, Ireland, Italy, Greece, and Spain is not evident. China, too, has seen somewhat of a slowdown in its previously accelerated growth. Reduced economic activity, with consequential reductions in demand for commodities to fuel that output, could have a knock-on effect on many economies throughout the world.

This report examines a series of interdependent issues that senior-level bankers should consider and exhibit some regional dynamism, in that the list of priorities and their relative degree of change for the coming year will differ depending on the individual country or region. For example, bankers in growth economies in Asia or Latin America are anticipated to be more concerned with growth-oriented initiatives, while those in Europe and the United States are likely to be more focused on determining appropriate uses of capital as a way to drive strategic imperatives and operational restructuring.

Starting the list are two issues that are fundamental and upon which all the other issues are based: Making hard decisions about where to compete and building the data-centric organisation. From there, the report explores topics in four major themes: industrialised operations, asset protection, delivery transformation, and return on capital.

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