全球传统银行行业市场前景及投资研究报告-培训课件外文版2024.6

INDUSTRIES

&

MARKETSTraditional

Banks:

market

data&

analysisMarket

InsightsreportApril2024Table

of

ContentsOverviewAppendixSummary6788Product

OverviewAuthor2324MarketDefinitionKeyTakeawaysMarketScopesMarket

NumbersNetInterestIncomeValue

of

Deposits10131619Value

ofLoansCreditCardInterestIncome2MARKET

INSIGHTSThis

report

is

part

ofour

Market

Insights

productGainabetterunderstandingofmarketsacross190+

geographicalentities

–

onaglobal,

regional,country,

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Market

Insightscom/outlook/3MARKET

INSIGHTSMarket

Insights

–

market

data,forecasts,

and

qualitative

insightsThe

TraditionalBanksmarketispart

of

the

Bankingmarket.10sectors190+geographicalentities1,000+markets400+reportsFind

out

more

on:BankingGoto

Bankingmarket4CHAPTER

1OverviewThe

Traditional

Banks

market

is

a

dynamic

and

evolving

industryOverview:

SummarySummaryCustomers

worldwide

areincreasingly

valuingpersonalized

services

and

digitalbanking

solutions.

They

seek

convenience,

efficiency,

andsecurity

intheirbankingexperiences.

Thisshiftinpreferences

hasled

traditionalbanksto

invest

heavily

intechnology

tomeet

customer

expectations

andstaycompetitive

inthe

market.InAsia,traditionalbanksare

capitalizingontheregion's

rapiddigitalization

andexpandingmiddle-class

population.There

isastrong

focusondevelopinginnovativefinancialproductsand

expanding

digital

payment.

Partnerships

withfintechfirms

and

investment

inblockchain

technology

arealsoon

therise.Trendsinthemarket:InAfrica,traditional

banks

are

expandingtheirreach

tounderserved

populationsthroughmobile

banking

and

agent

banking

services.

Thecontinent'slargeunbankedpopulationpresents

asignificantopportunity

fortraditionalbankstodrive

financial

inclusion

andeconomic

growth.

However,

infrastructureandregulatory

barriers

remain

key

obstacles

toovercome.Inthe

United

States,traditionalbanksarefocusing

onenhancing

theironlineandmobile

bankingplatforms.

Therise

ofchallenger

banks

andfintechcompanieshasalsoprompted

traditionalbankstoinnovateand

improve

theirofferings

toretaincustomers.

Additionally,

there

isagrowing

emphasison

sustainablebanking

practices

andcorporate

social

responsibility.Interms

ofunderlying

macroeconomic

factors,global

economic

conditions,

suchasinterest

rates,

inflation,andGDP

growth,

playasignificantrole

inshaping

thetraditionalbankingmarket

worldwide.

Economic

stabilityandgrowth

areessentialfortheindustryto

thrive,as

theyimpact

loandemand,credit

quality,andoverallprofitability.

Geopolitical

events,

regulatory

changes,and

technologicaladvancements

alsoinfluencethe

direction

of

the

traditionalbankingmarket

onaglobal

scale.InEurope,

traditionalbanksarefacingincreasing

regulatory

pressure,

particularlyinthe

areas

of

data

protection

andcybersecurity.

Thishasresulted

inagreateremphasis

oncompliance

and

risk

management

within

the

industry.Moreover,

thelow-interest-rate

environment

inEuropeischallenging

traditionalbanksto

findnew

revenue

streams

andoptimize

theiroperations.6Sources:Market

Insights

2024Traditional

Banks

is

an

important

part

of

the

Banking

marketOverview:

Market

DefinitionMarket

definitionStructureTheTraditionalRetail

and

Commercial

Banksmarket

refers

tothe

financialservices

sector

thatprovides

arange

offinancialproducts

and

services

toindividualsand

businesses

throughstore-based

branchesand

other

traditionalchannels.TheTraditionalBanksmarket

consistsof

two

segments:•

Retail

banking

focuses

on

offering

financialservices

toindividual

consumers,suchaspersonal

loans,savings

and

checking

accounts,credit

cards,andmortgages.Thetraditionalbankingmarket

ishighlycompetitive

and

characterized

bythepresence

of

large

globalplayers

aswell

asregional

and

local

banks.Theyoffer

awide

rangeof

services

andareabletoprovide

personalized

adviceand

support

totheircustomers.•

Commercial

banking,

on

the

other

hand,

provides

financialservices

to

smallandlargebusinesses,

includingloans,linesof

credit,andotherfinancialproducts

designed

specifically

forbusinesses.Key

players

inthis

market

are

companies

suchasIndustrialandCommercial

Bankof

China

Ltd.,JPMorgan

Chase&Co.,andHSBCHoldings.Inthismarket,

banks

are

continuallyseeking

ways

to

improve

theirofferings

byleveraging

technology

and

offering

innovativefinancialproductsand

services.However,

theyalsofacechallenges,

suchasincreased

competition

andchangingcustomer

preferences,

which

aredrivingtheneedforcontinuousimprovementandadaptation.7Sources:Market

Insights

2024The

net

interest

income

of

Traditional

Banks

willbe

accounted

for79.79%

of

theBanking

market

in

2024Overview:

Key

Takeaways

and

inscope

/outof

scopeKeyTakeawaysInscopeOutof

scope•

In2024,

the

projected

Net

Interest

Income

in

the

Traditional

Banksmarketmarket

worldwide

isexpected

to

reach

astaggering

US$5.20tn.Thissegment

includes:Thissegment

excludes:•

Traditional

Retail

Banking

isset

to

dominate

thismarket

segment

with

a•TraditionalRetail

Banking(B2C)•Neobankingprojected

market

volume

of

US$2.70tn

inthe

same

year.•TraditionalCommercial

Banking(B2B)•InterbankMarket•Government

Banking•

Looking

ahead,theNet

Interest

Income

isforecasted

toexhibitasteady

annualgrowth

rate(CAGR

2024-2028)

of0.95%,

resulting

inamarket

volume

ofUS$5.41tn

by2028.•

When

comparing

countries

globally,itis

noteworthy

thatinthe

United

States

isanticipatedtogeneratethehighestNet

Interest

Income,

reaching

US$954.7bn

in2024.8Sources:Market

Insights

2024CHAPTER

2Market

NumbersThe

net

interest

income

of

the

Traditional

Banks

market

is

estimated

to

increaseat

a

CAGR(1)

of

3.3%

from2017

to

2028Market

Size:

GlobalNetInterestIncomeforecast

intrillionUS$+3.3%(1)5.382.655.402.675.202.535.202.505.232.555.272.594.952.424.892.364.572.214.382.123.841.913.771.872.672.702.682.682.732.732.532.532.362.261.901.93201720182019202020212022202320242025202620272028Traditional

Retail

BankingTraditional

Commercial

Banking10

Notes:Sources:(1)

CAGR:

Compound

Annual

GrowthRateMarket

Insights

2024With

a

net

interest

income

of

US$

1.9

trillion,

Europe

willbe

the

biggest

marketamong

selected

regions

in

2024Market

Size:

Regional

Comparison

(1/2)NetInterestIncomeforecast

intrillionUS$+1.8%(1)2.071.93+1.2%(1)1.54-1.4%(1)1.471.431.35+5.0%(1)+5.1%(1)0.340.280.110.092024202820242028202420282024202820242028EuropeAfricaAmericasAsiaAustralia&Oceania11

Notes:Sources:(1)

CAGR:

Compound

Annual

GrowthRateMarket

Insights

2024The

United

States

will

generate

the

highest

net

interest

income

with

nearly

US$1.0

trillion

in

2024Market

Size:

Regional

Comparison

(2/2)NetInterestIncomeforecast

intrillionUS$-3.6%(1)0.950.82+1.4%(1)0.550.520.0%(1)+1.9%(1)-1.8%(1)0.170.170.140.140.130.132024202820242028202420282024202820242028ChinaUnitedStatesUnited

KingdomGermanyFrance12

Notes:Sources:(1)

CAGR:

Compound

Annual

GrowthRateMarket

Insights

2024The

value

of

deposits

is

projected

to

increase

at

a

CAGR(1)

of

4.8%

from2017

to2028Market

Size:

GlobalValue

ofDepositsforecast

intrillionUS$140.1148.06+4.8%(1)117.41136.8446.82132.0545.13127.2243.48122.3541.86114.7038.88108.8836.7398.9433.5191.9731.6340.2788.5630.5283.3228.5192.05202890.02202786.92202683.74202580.49202475.82202277.14202372.15202165.43202058.04201860.34201954.812017Traditional

Retail

BankingTraditional

Commercial

Banking13

Notes:Sources:(1)

CAGR:

Compound

Annual

GrowthRateMarket

Insights

2024With

the

value

of

deposits

of

US$

62.4

trillion,

Asia

will

be

the

biggest

marketamong

selected

regions

in

2024Market

Size:

Regional

Comparison

(1/2)Value

ofDepositsforecast

intrillionUS$+4.0%(1)72.9062.37+2.0%(1)30.11+3.6%(1)30.4527.7926.42+3.6%(1)+3.7%(1)2.602.993.173.6620242028202420282024

2028Americas202420282024Australia&Oceania2028EuropeAfricaAsia14

Notes:Sources:(1)

CAGR:

Compound

Annual

GrowthRateMarket

Insights

2024China

willbe

the

leading

country

in

terms

of

the

value

of

deposits

in

2024Market

Size:

Regional

Comparison

(2/2)Value

ofDepositsforecast

intrillionUS$+6.4%(1)30.63+3.9%(1)23.9021.4218.40-1.5%(1)+2.8%(1)+2.6%(1)4.734.464.854.343.252.932024202820242028202420282024202820242028ChinaUnitedStatesUnited

KingdomGermanyFrance15

Notes:Sources:(1)

CAGR:

Compound

Annual

GrowthRateMarket

Insights

2024The

value

of

loans

is

estimated

to

increase

at

a

CAGR(1)

of

6.1%

from

2017

to2028Market

Size:

GlobalValue

ofLoansforecast

intrillion

US$+6.1%(1)186.48220.30214.05100.78204.2196.22193.8691.46182.8886.42176.77166.0580.24103.54142.4969.60132.2964.6189.06123.9060.4784.48114.5256.12116.762028113.272027107.992026102.40202597.42202396.46202492.29202285.81202172.89202067.68201963.43201858.402017Traditional

Commercial

BankingTraditional

Retail

Banking16

Notes:Sources:(1)

CAGR:

Compound

Annual

GrowthRateMarket

Insights

2024With

the

value

of

loans

of

US$

137.1

trillion,

Asia

will

be

the

biggest

marketamong

selected

regions

in

2024Market

Size:

Regional

Comparison

(1/2)Value

ofLoansforecast

intrillion

US$+5.6%(1)170.50137.12+1.4%(1)+3.4%(1)31.69+3.4%(1)+4.0%(1)29.9314.0112.272.312.641.251.462024202820242028202420282024202820242028EuropeAfricaAmericasAsiaAustralia&Oceania17

Notes:Sources:(1)

CAGR:

Compound

Annual

GrowthRateMarket

Insights

2024In2024,

the

value

of

loans

in

China

is

projected

to

reach

the

highest

value

ofUS$

116.2

trillionMarket

Size:

Regional

Comparison

(2/2)Value

ofLoansforecast

intrillion

US$+6.3%(1)148.26116.22+3.3%(1)+0.5%(1)-0.5%(1)-1.2%(1)8.359.509.349.513.773.692.192.092024202820242028202420282024202820242028ChinaUnitedStatesUnited

KingdomGermanyFrance18

Notes:Sources:(1)

CAGR:

Compound

Annual

GrowthRateMarket

Insights

2024From

2017

to

2028,

the

credit

card

interest

income

of

the

Traditional

Banksmarket

is

forecasted

to

increase

at

a

CAGR(1)

of

8.1%Market

Size:

GlobalCredit

Card

InterestIncomeforecast

intrillionUS$2.891.222.73+8.1%(1)2.581.082.431.012.300.952.160.892.010.821.141.780.731.650.671.500.601.340.541.230.501.671.591.501.421.351.271.191.050.980.900.800.73201720182019202020212022202320242025202620272028Traditional

Retail

BankingTraditional

Commercial

Banking19

Notes:Sources:(1)

CAGR:

Compound

Annual

GrowthRateMarket

Insights

2024With

a

credit

card

interest

income

of

US$

0.8

trillion,

Europe

will

be

the

biggestmarket

among

selected

regions

in

2024Market

Size:

Regional

Comparison

(1/2)Credit

Card

InterestIncomeforecast

intrillionUS$+5.9%(1)+6.5%(1)1.02+5.1%(1)0.940.830.810.730.68+7.5%(1)+18.9%(1)0.080.060.0120240.02202420282028202420282024202820242028EuropeAfricaAmericasAsiaAustralia&Oceania20

Notes:Sources:(1)

CAGR:

Compound

Annual

GrowthRateMarket

Insights

2024The

United

States

is

going

to

dominate

the

market

with

a

credit

card

interestincome

in

2024Market

Size:

Regional

Comparison

(2/2)Credit

Card

InterestIncomeforecast

intrillionUS$+4.4%(1)0.570.48+10.7%(1)0.33+8.5%(1)+5.3%(1)+1.7%(1)0.220.180.160.150.140.130.132024202820242028202420282024202820242028ChinaUnited

StatesUnitedKingdomGermanyFrance21

Notes:Sources: