Growth strategies in retail banking Study - Roland Berger
Growth strategies in retail banking Study - Roland Berger
Growth strategies in retail banking Study - Roland Berger
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Shr<strong>in</strong>k<strong>in</strong>g marg<strong>in</strong>s will force banks to <strong>in</strong>crease<br />
operational efficiency – Croatian banks already <strong>in</strong><br />
good shape<br />
Average <strong>in</strong>terest spread Cost-Income Ratio, [%]<br />
25%<br />
20%<br />
15%<br />
10%<br />
5%<br />
0%<br />
20,6%<br />
12,7%<br />
7,6%<br />
7,2%<br />
17,2% 16,1%<br />
11,1% 11,0%<br />
8,8%<br />
6,6%<br />
7,7%<br />
7,3%<br />
14,7%<br />
13,7%<br />
9,1% 9,2%<br />
11,5%<br />
8.0%<br />
7,0% HR<br />
7.6%<br />
6.4% BG<br />
6,7% 6,6%<br />
5,9% PL<br />
2000 2001 2002 2003 2004 2005<br />
Notes: 1) Calculated for top 10 banks<br />
Source: National Banks, WOOD Company CEE Banks-" Manag<strong>in</strong>g South East"<br />
RO<br />
62.8%<br />
RO 1)<br />
61.0%<br />
58.9%<br />
56.7%<br />
PL SK BG<br />
53.3%<br />
HR<br />
50.5%<br />
HU<br />
46.3%<br />
CU<br />
45-50%<br />
EU best<br />
practice<br />
VIE-1789-90000-017-415<br />
11
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