世界零售银行报告2007.pdf

ING矗画 组建理 (0 NSU LTING . HCH刷 Olon. outsa . .、 Preface Capgemini, ING, and the European FinancialManagement 8，乙 Marketing Association (EFMA) are pr叫d to present this study of the g扣bal retail banking market. For the fourth ωnsecutive year, it provides the fmancial serVlcesωmmunity with overviews and insights into the industrys dynami凶， with special attention to the pricing structure and how 此 is evolving The geographic scope ofthis years pricing index and spot且ght has been expanded to flVe new c叫ntries: Croat吨 India, Japan, Roman吨 and S倒thA丘ica， and now includes 25 c叫ntries. The fJJ. mber ofbanks studied has risen from 142 to 180 This 2007 edition of the WorId R础iI Banking Report contifJJ. es 叫r investigation into the worldwide pricing of day-to-day banking products 叫serVl叫 presentmgα川ndings on a yea啡pricing ind四 In addition, we provide dashboards of each c叫nt卢 national banking industry on 叫r web si旬， www.wrbr07.c创丑 In response to the widespread adoption of packaged offers within the banking industry, we have paid speαal attentωn to this method of selling banking products in the following seven c叫ntries: Austria , Belgium, France , Germany, Italy, Poland , and Slovakia As in earlier ed山ons，叫r 2007 report presents a spotlight sectωn highlighting a major trend in the retail banking industry. This year we focused on Transforming Operating Models. In aωnstantly changing and competitive marketplace , managers in the industry are seeking 飞Nays to optimise their operating models. Based on interv忧飞W with banking executives across the world , we have assessed the 口lajor trends in retail banking亏 current and future operating models , and offer the results here 叭Te are de1ighted to publish the 2007 ed山on of the íf乞rld RetaiI Banking Rφort. 矶Te hope and trust that its fmdings will stimulate debate and provide retail bankers with information thεy