2024年商业银行主要趋势报告-连接当前挑战与未来趋势.docx

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2024-10-28 发布于山西
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2024年商业银行主要趋势报告-连接当前挑战与未来趋势.docx

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CommercialBankingTopTrendsfor2024

Bridgingtodayschallengesandtomorrowspossibilities

Introduction

Optimizingfortoday,investingfortomorrow

FollowingAccenture’sreleaseoftheBankingTop10Trendsfor2024report,wenowtakeacloserlookatthetrendsthatweexpecttoshapecommercialbankingintheyeartocome.Whilemanyofthe

trendsintersect,banksthatfocusonthecorporateandsmallandmediumbusiness(SMB)sectorswillalsofacesomeuniqueheadwindsandtailwinds.

Forcommercialbanks,higherinterestratesandresilientconsumerspending

in2023helpedtoshoreupbusinesslendingandimproveprofitability.2024issettobeaverydifferentyear,eveniftheglobaleconomyglidestowardsamuch

hoped-forsoftlanding.Leadingbanksarekeepingoneeyeonthemacroeconomicuncertaintiesandtheotheronhowartificialintelligence(AI)andotheremerging

technologiesareopeningnewpathwaystogrowthandprofitability.

Rightnow,operationalandregulatoryconcernsaretopofmind.Windfallgainsfromhighnetinterestmarginsareerodingascommercialclientsdemandmoreyieldfromandsecurityfortheirdeposits.Thesegainsmaydiminishfurtherasinflationcomesundercontrolandinterestratesarecutlaterthisyear.

Thecommercialbankinginvestmentenvironmentiscloudedbythechallenges

thatcorporatesworldwidefacetooptimizesupplychains,navigatetechnological

disruptionandreimaginetheirworkforce.Largecommercialclientshaveshownlessappetiteforborrowingandstartedtoseekmoresecurityfortheirdeposits.

IntheSMBsector,especiallyinEurope,thenumberofnon-performingloansisrisingasconsumerspendingdriesup.Banksthusneedtofortifyassetquality.

HavingnavigatedtheuncertaintiesofboththeGlobalFinancialCrisisandthepandemic,banksareimaginingwhateconomieswilllooklikewhentheyarenotproppedupbytheexcessiveconsumerspendingofthepastdecade.

Isanormalizationo