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Banking Sector Scorecard - Thematic Research

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  • 22 Pages
  • September 2020
  • Region: Global
  • GlobalData
  • ID: 5180006

This report assesses the key themes that are transforming the banking market right now, utilizing the publisher's thematic scoring methodology to identify which companies will do well in the market in the future - and the companies that will falter as a result of their lack of investment in the key banking themes. In this report, the publisher score over 50 of the world’s leading banking players against the 10 themes that are impacting their industry the most. The resulting thematic engine helps us identify the strongest and weakest players in the banking sector over the next two years.

It’s not necessary to be a ‘bank’ to disrupt banking. Niche fintechs - highly specialized, free from legacy, and able to bypass bank regulation - have ‘unbundled’ component pieces of financial services, giving consumers more of what they want more quickly than incumbent banks can. Big tech, meanwhile, leveraging platform economics and data-driven business models, have brought new levels of personalization and convenience to payments, lending, product comparison, and money management. However, a banking license does confer the right to hold deposits and earn net interest margin, and the revenue pool associated with those activities exceeded $5tn in 2019. That business is not going away any time soon. Rather, it is being digitally transformed - re-invented, even - by 10 key themes.

  • Within AI: Leading incumbent banks are spending millions on research institutes and prototypes. The challenge now is identifying and deploying those most ‘proven’ use cases quickly for maximum customer impact, while addressing data dependencies and growing regulatory risks around algorithm-led decision-making. Because AI-driven business models typically have fly-wheel momentum, big-tech companies have significant first-mover advantages that incumbent banks will likely prove unable to make up.
  • Within big data: Many banks operate on a heterogeneous application portfolio with fragments of often inaccurate, incomplete, and inconsistent data that reside in various silos. As the Vs of big data increase every day - more data (volume), coming in more quickly (velocity), from different sources and of different types (variety) - legacy processing and storage techniques creak even further.

Reasons to Buy
  • Identify which themes drive share price performance for the leading retail banks.
  • Understand which banks are best positioned for success within critical themes and why.
  • Learn which banks are under-invested in key themes and most vulnerable to disruption.
  • Understand which themes your institution can address (and how) to drive share price.

Table of Contents

  • Theme Map

COVID-19 Impact on Retail Banking

Sector Performance

Top 10 Themes

Sector Scorecard: Banking
  • Who’s Who
  • Thematic Screen
  • Valuation Screen

Appendix: Thematic Research Methodology

Companies Mentioned (Partial List)

A selection of companies mentioned in this report includes, but is not limited to:

  • Amazon
  • Facebook
  • Apple
  • Alphabet
  • Tinkoff Bank
  • AIB
  • Capital One
  • WeBank
  • MyBank
  • Monzo
  • NatWest/RBS
  • Danske Bank
  • DBS
  • TSB
  • BBVA
  • Citibank
  • mBank
  • Revolut
  • Credit Agricole
  • Barclays
  • La Caixa
  • CBA
  • UniCredit
  • HSBC
  • Nordea
  • Intesa Sanpaolo
  • USAA
  • BNP Paribas
  • Deutsche Bank
  • ING
  • Nubank
  • Bank of America
  • BMO
  • RBC
  • JPMorgan Chase
  • Lloyds