2018年全球银行业展望-EY.PDF

2018年全球 银行业展望 创新主导型战略 是未来发展基石 目录 摘要 2 1. 行业增长预期趋于乐观 3 2. 成本和竞争挑战犹存 7 3. 风险变化可能会改变投资方向 11 4. 提高数字化成熟度是未来制胜的关键 13 5. 银行是否做好准备迎接创新主导型变革? 19 摘要 Executive summary 全球金融危机十年后的今天，银行业已重回健康发展轨 各家银行应减少仅凭一己之力完成工作的做法，要广泛利 Ten years after the global financial crisis, the banking industry As banks seek to improve their performance they must reflect on 道，银行从业者情绪相对乐观。银行应充分利用当前的宽 用行业共享设施生态系统以及各类合作伙伴，借此取得投 has regained its health and the mood of bankers is more buoyant. some key questions about their strategy and readiness to advance 松环境，充分把握发展机遇。 资支持，交付更优质的服务，降低成本，管理风险并协助 They should enjoy it while it lasts. their own digital maturity: 85%的银行将实施数字化转型计划作为2018年的工作重 其所在机构应对挑战和风险。 With 85% of banks citing implementation of a digital • Does my strategy account for rapidly changing revenue and transformation program as a business priority for 2018, profit pools? 点，因此，通过投资技术来提高效率，管理不断变化的风 银行在寻求改善财务绩效时，必须仔细考虑和自身数字化 investment in technology to drive efficiency, manage evolving 险并从增长机遇中获益对于取得可持续的成功而言至关重 成熟度改进战略及准备充分性有关的一些关键问题： • What is my role in the ecosystem and how do I innovate risks and benefit from growth opportunities will be critical for 要。 efficiently? sustainable success.