Premium Essay

Banking Modules

In: Business and Management

Submitted By BharathiRamadoss
Words 7478
Pages 30

Optimizing banking operating models
From strategy to implementation

Executive summary
The challenges facing the banking sector
Regulations and regulators Economic environment Changing customers The march of technology 3 3 3 1


How will these changes affect the universal banking operating model?
The end of universal banking Disintegration of the value chain Cost efficiency is key in developing new operating models New IT architectures are essential 6 6 5


What banks need to do
Seizing this once-in-a-life-time transformation opportunity Developing an innovative operating model to overcome loss of scale and cost issues Implementing long-term sustainable cost reduction measures Implementing an iterative and collaborative approach to a complex, multi-faceted problem 10 11 9


Making it to the finish line


© 2012 KPMG International Cooperative (“KPMG International”), a Swiss entity. Member firms of the KPMG network of independent firms are affiliated with KPMG International. KPMG International provides no client services. All rights reserved.

Optimizing banking operating models | 1

Executive summary
s the world emerges from what has been described as the greatest crisis in the history of finance capitalism, banks must adapt to radical new regulations, technologies, customer expectations and economic environments. The current universal bank operating model is bordering on collapse and changes will be needed in three major areas to prepare for the challenges of the future: 1. Banks will become smaller, fragmented and decentralized. 2. Banks across the world must acclimatize to a negative or low growth environment in the developed world for the foreseeable future – compelling them to cut costs. 3. A complex IT architecture will be needed to...

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