Jointly produced by Capgemini, EFMA and ING, the World Retail Banking Report 2008 focuses on growth in domestic retail banking markets. Based on internal analysis and in-depth interviews with 52 banking executives in 15 countries, it shows how banks will have to renew their distribution strategies to develop business organically in today´s saturated and slowly growing domestic markets.

Learn which four pillars have supported leading banks to achieve profitable and sustainable organic growth in their domestic markets over the last five years. Gain insights into today´s structural changes in the market and discover the distribution strategies successful banks will use to grow beyond the traditional retail banking business model over the next ten years.

In addition, the report provides, for the fifth consecutive year, in-depth pricing analyses of retail banks in Europe, North America, and Asia-Pacific, based on data collected in 194 banks in 26 countries.To find out about local presentations in your area or sign-up for your free copy (March 13th), visit www.wrbr08.com and www.capgemini.com/wrbr08

PREFACE:

For the fifth consecutive year, Capgemini, ING, and the European Financial Management & Marketing Association (EFMA) have cooperated to develop this latest annual examination of the global retail banking market. As in previous years, it provides overviews and insights into the global retail banking industry’s dynamics. This year’s edition adds two new countries, Singapore and Denmark, raising the number of countries to 26 and increasing the banks studied from 180 to 194.

We continue to investigate the worldwide pricing of day-to-day banking products and services, and this year’s edition continues to highlight the evolution of bank prices for these products and services around the world. Our website, www.wrbr08.com, provides dashboards that offer more detail on each country’s national banking industry. A sample dashboard is included later in this publication.

As in earlier editions, our 2008 report adds a spotlight section that focuses on a current retail banking issue. This year’s spotlight highlights the problems banks face as they search for ways to maximise their retail banks’ growth in a changing market, and how some top performers are making strategic choices that ensure their retail operations will sustain the bank’s market performance in the years ahead. Based on case studies, in-depth interviews with banking executives in each market around the world, and quantitative analysis, the spotlight section concentrates on the operational levers and client value propositions that can help retail banks grow in the high-income domestic markets in which they operate today.

All of us welcome the opportunity to offer this 2008 edition of the World Retail Banking Report to the financial services community. We hope it will stimulate debate and provide bankers with information they can use effectively as they negotiate the difficult strategic terrain of today’s retail banking landscape.

Bertrand Lavayssière
Managing Director
Global Financial Services, Capgemini
Patrick Desmarès
Secretary General
European Financial Management & Marketing Association
Felix Potvliege
Head Strategy & Business
Development of Retail Banking, ING Group

Download World Retail Banking Report 2008

PDF format, 2.2MB, 60Pages. Provided by Capgemini.com.

ABOUT US:

ING

ING is a global financial services company of Dutch origin with 150 years of experience, providing a wide array of banking, insurance and asset management services in over 50 countries.

Our 120,000 employees work daily to satisfy a broad customer base of individuals, families, small businesses, large corporations, institutions and governments. Based on market capitalisation, ING is one of the 15 largest financial institutions worldwide and in the top 10 in Europe.

ING is a major financial services company in the Benelux home market. ING services its retail clients in theses markets with a wide range of retail banking, insurance and asset management products. In our wholesale banking activities we operate worldwide, but with a primary focus on the Benelux countries.

In the United States, ING is a top 10 provider of retirement services based on sales assets under management. In Canada, we are the top property and casualty insurer based on direct written premium.

ING is a leading direct bank with 15 millions customers in nine countries. In the growth markets of Asia, Central Europe and Latin America, we provide life insurance. We are also a large asset manager with assets under management of more than €650 billion.

ING Real Estate is the largest property company in the world based on its business portfolio.

Visit www.ing.com

THE EUROPEAN FINANCIAL MANAGEMENT & MARKETING ASSOCIATION

Efma is the leading association of banks, insurance companies and financial institutions throughout Europe. Efma promotes innovation in retail finance by fostering debate and discussion among peers supported by a robust array of information services and numerous opportunities for direct encounters.

Efma was formed 35 years ago and gathers today more than 2,200 different brands in financial services worldwide, including 80% of the largest European banking groups.

Visit www.efma.com

CAPGEMINI

Capgemini, one of the world’s foremost providers of consulting, technology and outsourcing services, enables its clients to transform and perform through technologies. Capgemini provides its clients with insights and capabilities that boost their freedom to achieve superior results through a unique way of working—the Collaborative Business Experience— and through a global delivery model called Rightshore®, which aims to offer the right resources in the right location at competitive cost. Present in 35 countries, Capgemini reported 2006 global revenues of €7.7 billion and employs over 83,000 people worldwide.

With a network of 15,000 professionals serving over 900 clients worldwide, Capgemini Financial Services moves businesses forward with leading solutions for banking, insurance and capital markets. We provide deep industry experience, enhanced service offerings and advanced next generation global delivery to help clients achieve tangible results that impact performance and capture competitive advantage.

Visit www.capgemini.com/banking

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