The Bank of the Future
New regulations and tighter margins have depressed ‘typical’ wholesale banking pre-tax RoE to about 19%; the outlook is not optimistic.
In our view, future leaders will operate a new wholesale banking model, one which utilises hitherto neglected synergies between the ‘traditional’ capital markets operations with other areas of the bank; and deploys effective Group-wide treasury and credit portfolio functions and risk management systems.
By integrating corporate coverage into the global banking and treasury services; and institutional coverage into global markets and security services, ‘our’ Bank of the Future could achieve pre-tax RoE of up to 25%, well above the current levels.
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