Banking Profitability and Performance （银行盈利能力和性能）.pdf

Banking Profitability and Performance Management Banking Profitability and Performance Management Table of Contents Executive Summary 3 Introduction 3 Cross-sectional Analysis of Profitability in Banking using ROA as the Parent Metric 6 Detailed findings and key takeaways 6 ROA based Performance Management 10 PwC‟s Enterprise Performance Management (EPM) Framework 10 Illustrative examples of what implementing Profitability based EPM framework entails 12 Appendix 15 PwC Contacts 17 PwC Page 2 of 17 Banking Profitability and Performance Management Executive Summary Amidst heightened concern about the future of regulatory requirements, cost offunds, fast changing consumer preferences, intensifying competition and profitability pressures, profitability modelling based performance management assumes greater importance in the banking world. Accentuated by the still ripe memory of the global banking crisis, this trend is driven by certain key elements: Renewed appreciation for prudent management of capital Improved focus on sustainable growth, product portfolio/ business segment profitability Need to link financial metrics with operational drivers and lead indicators in order to have a better