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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Credit cards and mortgages will be <strong>in</strong>creas<strong>in</strong>gly<br />
attractive for <strong>retail</strong> banks<br />
Market segment attractiveness overview<br />
<strong>Growth</strong> potential<br />
50%<br />
40%<br />
30%<br />
20%<br />
10%<br />
0%<br />
Grow<strong>in</strong>g Attractiveness<br />
Leas<strong>in</strong>g<br />
Deposits<br />
Consumer lend<strong>in</strong>g<br />
Non-life <strong>in</strong>surance<br />
Corporate lend<strong>in</strong>g<br />
Credit<br />
Cards<br />
Mutual Funds<br />
Life <strong>in</strong>surance<br />
Market<br />
concentration<br />
Notes: Bubble size represents size of the bus<strong>in</strong>ess. Size of the cards bus<strong>in</strong>ess not def<strong>in</strong>ed.<br />
Market concentration measured by HHI (Herf<strong>in</strong>dhahl – Hirschmann) <strong>in</strong>dex from 0 to 1; 0 Represents low market concentration.<br />
Source: BACA, <strong>Roland</strong> <strong>Berger</strong> analysis<br />
Mortgage lend<strong>in</strong>g<br />
Low Medium High<br />
Comments<br />
Some product groups require<br />
more specialist know how such<br />
as <strong>in</strong>vestment products<br />
Credit cards expected to boom<br />
due to co-branded cards, an<br />
<strong>in</strong>creas<strong>in</strong>gly attractive market<strong>in</strong>g<br />
tool for <strong>retail</strong>ers and banks;<br />
smart cards and premium cards<br />
are promis<strong>in</strong>g niche segments<br />
VIE-1789-90000-017-415<br />
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