TRENDS IN CORPORATE BANKING
Petr Ullmann
17. prosince 2015

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CONTENT
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nTRENDS IN BANKING ENVIRONMENT – KEY DRIVERS
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nLOW INTEREST RATES & MARKET LIQUIDITY
nDIGITALIZATION – IMPROVES CUSTOMER EXPERIENCE AND SAVES COST
nBIG DATA
nINCREASING REGULATION
nPEER TO PEER LENDING?
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nWHAT WILL REMAIN OF CORPORATE BANKING AS WE KNOW IT?
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LOW (NEGATIVE) INTEREST RATES AND MARKET LIQUIDITY
nLOW INTEREST RATES ENVIRONMENT (ON CZK / EUR) EXPECTED AT LEAST UNTIL 2018
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nCOMPRESSION OF MARGINS AND NET INTEREST INCOME
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nDEPOSITS
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nLOANS – EXCESSIVE LIQUIDITY & LACK OF INVESTMENT OPPORTUNITIES FURTHER WORSEN NII
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nNEGATIVE INTEREST RATES – WHERE IS THE BOTTOM? ALTERNATIVES TO SAVING
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DIGITALIZATION TO CONTINUE AND ACCELERATE
nCHANGING CUSTOMER BEHAVIOURS AND PRESSURE ON PROCESSING EFFICIENCY
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nDIGITALIZATION
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nIMPROVES CUSTOMER EXPERIENCE
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nREDUCES PROCESSING COST AND ERROR
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nREQUIRES SIGNIFICANT INVESTMENT
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BIG DATA
nLOT OF VALUABLE INFO CURRENTLY AVAILABLE IN BANKS BUT NOT SYSTEMATICALLY COLLECTED AND ANALYSED
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n BIG DATA MANAGEMENT
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nDATA INGESTION (PAYMENT FLOWS, TRANSACTIONS, PRODUCT USAGE, EXTERNAL DATA …)
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n DATA / CLIENT ANALYSIS AND NEEDS IDENTIFICATION
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INCREASING REGULATION
nREGULATION FOCUS IS PUT ON
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nSYSTEMIC RISK MITIGATION / INCREASING CAPITAL REQUIREMENTS
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nCLIENT PROTECTION
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n AML
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n REGULATION INCREASES COST OF DOING BUSINESS BUT AT THE SAME TIME PROTECTS INDUSTRY FROM
COMPETITION
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n ( GOOGLE, FACEBOOK …..)
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PEER TO PEER LENDING ?
nINCREASING BUT FAR FROM PLAYING SIGNIFICANT ROLE SO FAR
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nEFFICIENT PLATFORM FOR SMALL LENDING
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WHAT WILL REMAIN OF CORPORATE BANKING AS WE KNOW IT?
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nPEOPLE DO BUSINESS WITH PEOPLE
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