世界零售银行报告2009.pdf

@山、自C陪dltGRlI4 费2黑黑黑 Preface Capgemini and the European fmancial management marketing assoαation (Efina), and their new partner, UniCredit, are pleased to present this sixth annual edition of the 肌rId阳1 Banki吃gRe，卢rt. As in the f1ve preVl例us ed旧创lS， it provides overviews and insighrs into the global retail banking industry亏 dynamics， with a pricing section focusing 叩the worlds retail banki吨pncmg structu吨 and a spotlight secti叩 analysing a m口ent crucial retail banking issue. This year we take a clρse look at the global mortgage industry The geographic sωpe ofthis years edition covers 26ωuntries， including one newωuntry， Russia. The number of retail banks it covers rose from 194 to 203 We continue 叫r mvest1gatωns into the worldwide pricing of day-to-day banking products and serviα presenting 倒r fmdings in a year引y pricing index. (Our web忧， ww w .. also provides a dashboard of each ωuntrys national banking industry.) To integrate retail banking亏 market evolution and the increa剑ng role the Internet plays in operations, we have introduαd four new Internet products and se凹ices and develc于 ed two new usage profile鸟 brancb user and Internef ωer. These profi山s helped us ana守se the impact the Internet is now having on custom臼s consumption patterns and retail banks pricing strategies Our spotlight sectωn this year f，田uses on 口lOrtgage profitability. We have analysed the impact the current fmancial and real estate crises are having 叩retail banks business models, and how-confronted with thω change to their usual environment-retail banks can address this new market situation. Our ana悖川s based on three d凶ferent investigations: a market survey, qualitative bank interv陀、凹， and an in-depth profitability analysis. The results highlight several m勾or future challenges retail banks will fa四 in the mortg唔e sector, and outline some k叮solutions banks will need to succeed I