创建一个更加数字化，弹性的银行（英文）

Global Risk 2019Creating a More Digital, Resilient BankBoston Consulting Group (BCG) is a global management consulting firm and the world’s leading advisor on business strategy. We partner with clients from the private, public, and not-for-profit sectors in all regions to identify their highest-value opportunities, address their most critical challenges, and transform their enterprises. Our customized approach combines deep insight into the dynamics of companies and markets with close collaboration at all levels of the client organization. This ensures that our clients achieve sustainable competitive advantage, build more capable organizations, and secure lasting results. Founded in 1963, BCG is a private company with offices in more than 90 cities in 50 countries. For more information, please visit bcg.com.March 2019 | Boston Consulting GroupCREATING A MORE DIGITAL, RESILIENT BANKGEROLD GRASSHOFF MATTEO COPPOLA THOMAS PFUHLER NORBERT GITTFRIED STEFAN BOCHTLERVOLKER VONHOFF CARSTEN WIEGANDGlobal Risk 20192 | Creating a More Digital, Resilient BankCONTENTS 3 OVERVIEW 5 IT’S A THREE-SPEED WORLD FOR ECONOMIC PROFITABILITYRegional Performance: A Mixed PictureTime to Prepare for Economic and Technical Change 10 SETTING THE REGULATORY STAGE FOR THE FUTURE OF BANKINGFinancial StabilityPrudent OperationsResolution 15 AS BANKS DIGITIZE, SO MUST RISK AND TREASURYDigital RiskDigital Treasury Integrated Balance Sheet Management 20 FOR FURTHER READING 21 NOTE TO THE READERBoston Consulting Group | 3Microsoft founder Bill Gates once said, “We always overesti-mate the change that will occur in the next two years and underestimate the change that will occur in the next ten.” His words apply especially to technology. Digital disruption seems like an abstraction until it is thrust upon one’s business and industry.It’s safe to say that in banking, disruption is now here. Innovations that were bleeding edge just a decade ago—such as robotic process automation, machine learning, artificial intelligence, and cloud computing—are joining the mainstream. Likewise, fintechs, bigtechs, and digital leaders that emerged during the past decade have already begun to form strategic banking partnerships and to carve out special-ized niches. As transformation accelerates, open banking, instant pay-ments, and other advances will create enormous value for fast-moving institutions while disintermediating those that move too slowly. BCG’s ninth annual survey of the health and performance of the glob-al banking industry reveals that digitization is becoming more than just a smart competitive move: it will likely determine which banks survive through the next decade. Our data reveals that economic prof-it (EP) is on the wane for banks in all major markets, falling to levels not seen since 2013. Market forces have contributed to the falloff, es-pecially in Europe. However, they’re not the only—or even the prima-ry factors—at play. In North America, for instance, banks enjoyed