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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Banks have to f<strong>in</strong>d the right strategic position<strong>in</strong>g;<br />
not everyone can be a universal bank!<br />
Competitive bank<strong>in</strong>g environment<br />
Product<br />
+<br />
–<br />
Croatia<br />
–<br />
Focus Universal<br />
Banka Sonic<br />
Cost Saver/ Niche Product specialist<br />
= Asset size<br />
Splitska Banka<br />
OTP Bank<br />
Auto Banks<br />
Erste Bank<br />
HAAB<br />
Slavonska<br />
Distribution<br />
PB<br />
ZABA<br />
Raiffeisen<br />
Build<strong>in</strong>g societies<br />
Consumer f<strong>in</strong>ance<br />
+<br />
+<br />
Product<br />
–<br />
Eurozone/ Global Retail Bank<strong>in</strong>g<br />
Focus<br />
F<strong>in</strong>ancial<br />
advisors<br />
Self<br />
bank<strong>in</strong>g<br />
Brokers<br />
Mortgage<br />
brokers Niche banks<br />
–<br />
= Asset size<br />
Auto<br />
bank<br />
Universal<br />
Universal banks/<br />
f<strong>in</strong>ancial<br />
supermarket<br />
Private<br />
bank<br />
Mortgage<br />
banks<br />
Niche Product Specialist<br />
+<br />
Distribution<br />
VIE-1789-90000-017-415<br />
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