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市場調査レポート

将来予測:リテールバンキングのコスト効率性の改善

2020 Foresight Report: Maximizing Retail Banking Cost Efficiencies

発行 Timetric 商品コード 281716
出版日 ページ情報 英文 56 Pages
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本日の銀行送金レート: 1USD=102.06円で換算しております。
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将来予測:リテールバンキングのコスト効率性の改善 2020 Foresight Report: Maximizing Retail Banking Cost Efficiencies
出版日: 2013年09月05日 ページ情報: 英文 56 Pages
概要

世界各地の銀行は現在、自らの経営戦略・モデル・チャネルなどを見直して、コスト効率性の改善や収益拡大につとめています。そのためには、収益率の高い商品・サービスへの集中や、各種技術の有効活用などが必要となります。そして技術の役割は、事務処理の促進要因から収益の発生源へと移行しつつあります。リテールバンク各行は収益性改善のために、CRM(顧客関係性管理)や顧客解析機能の活用により、新規顧客グループの開拓や、特定顧客向けに商品・サービスを提供しています。

当レポートでは、世界各国のリテールバンキング業界における、費用効率性改善のための様々な取り組みについて分析し、リテールバンキングの現状や収益性の見通し、規制の変化とその影響度(特にブランチ・バンキングの場合)、リテールバンキングの収益性の主な促進・阻害要因、各種のベストプラクティスといった情報を取りまとめて、その結果を概略以下の構成でお届けします。

第1章 エグゼクティブ・サマリー

第2章 リテールバンキング市場のダイナミクスと収益性:将来見通し

  • リテールバンキングの収益性の見通し
  • 市場促進要因および主な課題の分析

第3章 技術戦略

  • 収益性のための技術戦略の枠組み
    • 収益面での注目領域
    • コスト面での注目領域
  • ベストプラクティス
    • Bank of Baroda:業務効率性改善のためのITプロセスの再設計
    • Bank Sohar of Oman:サービス提供用マルチチャネル・プラットフォームの一体化
    • Capital Bank:最新技術の導入によるマネーロンダリングへの対処
    • Bank Central Asia (BCA):AML ITインフラ改善のために、NICE Actimizeと契約を締結

第4章 商品設計と価格設定戦略

  • 収益性のための商品設計の枠組み
  • ベストプラクティス
    • Citibank in Australia:市場での地位強化のために、商品バンドリング戦略を採用
    • Bulbank:女性向けの支店・サービスを立ち上げ、ニッチ顧客部門に対応
    • BankAtlantic:利益率拡大のための、効率的な預金・価格戦略の開発

第5章 流通チャネルと消費者エンゲージメント戦略

  • 収益性のための流通チャネルの枠組み
    • 収益派生戦略
    • コスト削減戦略
  • ベスト・プラクティス
    • Danske Bank:コスト削減のためのデジタルバンキングとの統合
    • BBVA:運用費用削減のための、セルフサービス型チャネルへの注力
    • ASB Bank in New Zealand:バーチャル銀行の導入による、効果的な顧客エンゲージメント
    • Maybank:顧客エンゲージメント戦略
    • Union First Market:事業規模拡大のためのロイヤルティ・プログラム
    • Mauritius Commercial bank:クロス販売促進のためのデパート概念の導入

第6章 支出管理戦略

  • 収益性のための支出管理の枠組み
    • 収益派生戦略
    • コスト削減戦略
  • ベスト・プラクティス
    • Korea Exchange Bank:調達機能の外注化による、コスト効率性の改善
    • Wells Fargo:土地コスト上昇と技術革新による、小型店舗の設置の推進
    • ABN Amro:コスト削減のためのビデオ会議機能の統合

第7章 付録

図表一覧

目次
Product Code: VR0944MR

Synopsis

  • The report provides analysis, information and insights into various strategies adopted by banks to maximize cost efficiencies
  • The report provides a snapshot on retail banking market dynamics and profitability outlook
  • The report offers and analysis of changing regulation and its impact on branch banking
  • The report has detailed analysis of major drivers and challenges impacting the profitability of retail banks
  • The report includes best practices case studies

Summary

Banks across the world are revisiting their operational strategies, branch banking models, distribution channels and expansion strategies to achieve cost efficiencies and increase profits. To increase profitability, the focus is on selling high-margin profitable products and services, and scaling down unprofitable operations. There has been increased emphasis on utilizing technology to improve profitability and achieve cost efficiencies; the role of technology has changed from being a process driver to a revenue generator. Retail banks are using technology to increase profitability by utilizing customer relationship management (CRM) systems and consumer analytics to identify new customer groups and offer customized products and services to targeted customers. In addition, key measures adopted by retail banks to improve operational efficiencies include an increase in information technology (IT) spending and upgrading IT systems.

Scope

  • This report provides a comprehensive analysis on various strategies adopted by banks to maximize cost efficiencies
  • It provides detailed analysis on current and future drivers of retail banking profitability
  • It outlines the impact of current regulatory changes on branch banking
  • It provides insights into technology strategies adopted by retail banks to drive profitability.
  • It examines the best-practice product design frameworks adopted by retail banks to drive profitability
  • It examines the best practices in distribution channels and consumer-engagement strategies adopted by retail banks to drive profitability
  • It presents case studies which illustrate how retail banks across different markets have successfully implemented expense management best practices to successfully target customer groups and achieve cost efficiencies

Reasons To Buy

  • Gain insight into the various strategies adopted by banks to maximize cost efficiencies
  • Learn about the most effective banking business models
  • Understand current and future drivers of retail banking profitability
  • Examine best practice case examples adopted by various banks across the world to increase profitability and achieve cost-efficiency

About Timetric

Timetric is a leading provider of online data, analysis and advisory services on key financial and industry sectors. We provide integrated information services covering risk assessments, forecasts, industry analysis, market intelligence, news and comment.

Timetric helps over 1,500 financial services institutions and their partner companies around the world to benefit from better, more timely decisions and improve their competitive edge.

Table of Contents

1. Executive Summary

2. Retail Banking Market Dynamics and Profitability Outlook

  • 2.1. Profitability Outlook of Retail Banks
  • 2.2. Analysis of Market Drivers and Key Challenges

3. Technology Strategies

  • 3.1. Technology Strategic Framework for Profitability
    • 3.1.1. Revenue focus areas
    • 3.1.2. Cost focus areas
  • 3.2. Best Practices
    • 3.2.1. Bank of Baroda re-engineered its IT processes to gain operational efficiencies
    • 3.2.2. Bank Sohar of Oman integrated its multichannel delivery platform
    • 3.2.3. Adoption of modern technology by Capital Bank to counter money laundering
    • 3.2.4. Bank Central Asia (BCA) signed up NICE Actimize to improve AML IT infrastructure

4. Product Design and Pricing Strategies

  • 4.1. Product Design Framework for Profitability
  • 4.2. Best Practices
    • 4.2.1. Citibank in Australia adopts product bundling strategy to strengthen its position
    • 4.2.2. Bulbank launched female-friendly branch and products to service its niche customer segment
    • 4.2.3. BankAtlantic developed an effective deposit pricing strategy to increase its profit margin

5. Distribution Channels and Consumer Engagement Strategies

  • 5.1. Distribution Channel Framework for Profitability
    • 5.1.1. Revenue generation strategies
    • 5.1.2. Cost-reduction strategies
  • 5.2. Best Practices
    • 5.2.1. Danske Bank migrates towards digital banking to cut costs
    • 5.2.2. BBVA focusing on self-service channels to reduce operating costs
    • 5.2.3. ASB Bank in New Zealand launched a virtual bank for effective customer engagement
    • 5.2.4. Maybank customer engagement strategy
    • 5.2.5. Union First Market's loyalty program to scale-up business
    • 5.2.6. Department store concepts adopted by Mauritius Commercial bank to cross-sell

6. Expense Management Strategies

  • 6.1. Expense Management Framework for Profitability
    • 6.1.1. Revenue generation strategies
    • 6.1.2. Cost reduction strategies
  • 6.2. Best Practices
    • 6.2.1. Korea Exchange Bank outsourced its procurement function to achieve cost efficiency
    • 6.2.2. Increasing realty cost and innovation led Wells Fargo to launch mini-branch
    • 6.2.3. ABN Amro integrated videoconferencing to reduce costs

7. Appendix

  • 7.1. Methodology
  • 7.2. Contact Timetric
  • 7.3. About Timetric
  • 7.4. Timetric's Services
  • 7.5. Disclaimer

List of Tables

  • Table 1: Current and Future Drivers of Retail Banking Profitability
  • Table 2: Impact of Banking Regulations

List of Figures

  • Figure 1: Market Drivers and Key Challenges
  • Figure 2: Key Factors for Technological Investment
  • Figure 3: Technology Strategic Framework for Profitability
  • Figure 4: Case Study - Bank of Baroda
  • Figure 5: Case Study - Bank Sohar
  • Figure 6: Case Study - Capital Bank Signed Up SAS for AML Solutions
  • Figure 7: Case Study - BCA Deployed AML Solutions From NICE Actimize
  • Figure 8: Case Study - Citibank Australia
  • Figure 9: Case Study - Bulbank Bulgaria
  • Figure 10: Case Study - BankAtlantic
  • Figure 11: Distribution Channels Best Framework for Profitability
  • Figure 12: Channel Evolution in Multichannel Banking
  • Figure 13: Channel Evolution by Products and Services in Multichannel Banking
  • Figure 14: Next Generation Branch Banking Models
  • Figure 15: US Bank In-Store Branch
  • Figure 16: Case Study - Danske Bank
  • Figure 17: Case Study - BBVA Bank
  • Figure 18: Case Study - ASB Bank
  • Figure 19: Snapshot of ASB Virtual Branch on Facebook
  • Figure 20: Case Study - Maybank
  • Figure 21: Total Relationship Banking Loyalty Program Offered by Union First Market Bank
  • Figure 22: Case Study - Mauritius Commercial Bank
  • Figure 23: Expense Management Best Practices for Profitability
  • Figure 24: Case Study - Korean Exchange Bank
  • Figure 25: Case Study - Wells Fargo Bank
  • Figure 26: Case Study - ABN Amro Bank
  • Figure 27: ABN Amro's High-Tech Bankshop Facility
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