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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The CEE bank<strong>in</strong>g market has experienced three<br />
dist<strong>in</strong>ct phases<br />
Banks<br />
Customers<br />
Foundation 1990-1995<br />
Countries start build<strong>in</strong>g full<br />
function<strong>in</strong>g bank<strong>in</strong>g sector<br />
Foreign <strong>in</strong>vestors start<br />
enter<strong>in</strong>g the market<br />
Market focus on corporate<br />
bank<strong>in</strong>g<br />
Consumer bank<strong>in</strong>g market<br />
still immature<br />
Privatization 1995-2000 Consolidation 2001-...<br />
Privatization of state<br />
owned banks<br />
Foreign banks start buy<strong>in</strong>g<br />
local banks<br />
Bankruptcy of some new<br />
local banks<br />
Competition <strong>in</strong> corporate<br />
bank<strong>in</strong>g <strong>in</strong>creases<br />
Retail bank<strong>in</strong>g market<br />
develops<br />
Competition heats up, especially from<br />
foreign players<br />
Markets are "underbanked" <strong>in</strong><br />
capitalization and product penetration<br />
International banks start to review<br />
their CEE strategy<br />
Corporate bank<strong>in</strong>g market becomes<br />
mature<br />
SME market segment starts fast<br />
development<br />
Huge potential perceived <strong>in</strong> <strong>retail</strong><br />
lend<strong>in</strong>g market and <strong>in</strong>vestment fund<br />
bus<strong>in</strong>ess<br />
Phase 1 Phase 2 Phase 3<br />
VIE-1789-90000-017-415<br />
4
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