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Analyst Opinions
Germany Retail Banking - Competitor Benchmarking, 2021-2025
Most German banks have shown an increase in their TDAs between 2019 and 2020. Among them, Deutsche Bank and Sparkassen showed the most significant gains. The German banking sector has been broadly resilient with strong equity buffers and multi-pronged borrower support policies. Most banks are expected to absorb the shock to their capital ratios. In terms of retail deposit market shares, all banks, except for Sparkassen, have made meaningful gains since 2010. The Germany retail banking competitor benchmarking report analyzes...
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Thematic Analysis
Big Data in Banking - Thematic Research
Big data is produced in abundance by both individuals and enterprises and stored in vast data centers. In banking, incumbents already have far more data on their customers than new entrants vying for market share. However, initiatives like open banking give incumbents less time to upgrade tech platforms, as data is more readily available to various players already set up to derive value from it. As such, many retail banks have come to see big data as the central and...
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Company Insights
Competitor Profile: UBank
UBank is a digital-only bank that is a wholly owned but separately operated division of National Australia Bank. Founded by Gerd Schenkel in 2007, UBank has recently seen more than 10,000 new customers joining per month, growing 40% in the two years to September 2019. The bank has an app, though some features are not available on Android, while it also has a website and a seven-day telephone service. UBank also claims that its customer advocacy levels are the highest...
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Sector Analysis
Canada Retail Banking: Opportunities and Risks to 2023
Canada’s total loan balances outstanding (including credit card balances, personal loan balances, and residential mortgage balances outstanding) recorded a healthy compound annual growth rate (CAGR) of 4.8% during 2014-18 to reach C$2.2tn ($1.6tn). Credit card balances outstanding was the fastest-growing credit segment during the review period. The burden of household debt to GDP is growing in Canada, primarily on account of rising mortgage debt and low interest rates. Mortgage loans accounted for nearly three quarters of the total loan balances...
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Company Insights
Enterprise Tech Ecosystem Series: Intesa Sanpaolo
Intesa Sanpaolo is a diversified financial services group. It provides a range of banking solutions to private, SME, and corporate institutes. Its offerings include current, saving, and deposit accounts; personal loans, corporate loans, mortgages, and other lending; and unit-linked insurance solutions. It also offers credit, debit, prepaid, and business cards; bonds; mutual funds; saving plans; and other investment products. The bank provides services such as international cash management, credit for cash, collection and payments, leasing, funding, consultancy, portfolio management, trading,...
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Company Insights
Enterprise Tech Ecosystem Series: OCBC Bank
Incorporated in 1932, Oversea-Chinese Banking Corporation (OCBC) provides a range of retail and commercial banking, wealth management, insurance, and other financial solutions to individual customers, government agencies, financial institutions, and corporates and SMEs. It offers deposit services, card products, personal and home loans, business purchase loans, and commercial property and working capital loans. The company’s major services include trade and treasury, corporate escrow, and cash management. It provides insurance cover for homes, property, mortgages, travel, cars, life, and retirement. OCBC...
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Thematic Analysis
Digital Banking - Thematic Research
Today the biggest value stores that work like bank accounts are already digital and the newer digital banks are amassing customers far more quickly than their predecessors. Big technology companies like Google, Amazon, Facebook, and Apple (GAFA) are already deeply involved in banking and look set to encroach further. Retailers and telcos, too, have entered the fray with intriguing possibilities for the latter among the two billion unbanked globally. The digital banking thematic intelligence report provides a briefing on the...
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Thematic Analysis
Digital Mortgages - Thematic Research
This report assesses the disruptive threat of new mortgage tech players and how incumbents can best protect and grow market share. We focus on two near-term threats: • Disintermediation: Firms ahead of banks in the value chain, such as a property search site, could offer loan fulfillment to enable an integrated home shopping experience. Or digital brokers and price comparison sites could combine to enable one-click product research, relegating banks to back-end product providers. • Direct competition: New digital lenders,...
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Company Insights
UnionBank of the Philippines - Enterprise Tech Ecosystem Series
UnionBank of the Philippines (UnionBank) offers personal banking, investment and trust business banking, and other related financial solutions and services. Its portfolio of offerings comprises a range of accounts and deposit services, which includes savings, checking, and time deposits; card products such as debit, credit, and prepaid cards; and lending solutions for home, motor, personal requirements, businesses, mortgages, and corporates. UnionBank has embraced digital technologies like mobile, conversational platforms, blockchain, and data analytics as well as digital engagement channels to...
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Sector Analysis
New Zealand Retail Banking, 2020 Update - Review, Forecasts and Future Opportunities
Growth in New Zealand’s retail banking sector has been strong over the past decade. COVID-19 threatens to impact growth in 2020, but clear and coherent government policy as well as organized track and trace systems are likely to lead to more favorable outcomes than in comparable markets. This report explores trends in the New Zealand retail banking sector and offers insight into consumer preferences and behaviors. It highlights some of the most important data points available on the performance of...
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