2011零售银行分析报告.pdf

A publication of PwC’s Financial Services Institute (FSI) When the Growing Gets Tough: How Retail Banks Can Thrive in a Disruptive, Mobile, Regulated World Contents Section Page 1. Point of view 2 2. Competitive intelligence 15 3. A framework for response 19 4. How PwC can help 31 5. Select qualifications 36 Section 1 Point of view Point of view As the United States emerges from the financial crisis, retail banks are striving to outperform their competitors while grappling with unprecedented regulatory challenges and shifts in consumer behavior. Banks will need to formulate their strategies in the midst of unprecedented changes. Today’s retail banks Regulatory challenges—Regulatory reform has placed explicit caps on key sources of revenue. At are operating in a the same time, banks must contend with restrictive new laws impacting their relationships with new banking retail customers. environment. In our Changing consumer behaviors and expectations—US consumers are saving more, spending view, banking less, and paying down debt. Consumer satisfaction levels are on the decline—and the emergence of leaders need to social media