Banking Sector Scorecard, 2021 Update – Thematic Research

Pages: 22 Published: June 30, 2021 Report Code: GDRB-TR-S033

The future success of retail banks will be determined by how well they respond to themes. Themes – whether an innovative technology, a political event, or indeed a global pandemic – can blindside executives, evolve in fast and unpredictable ways, and render existing modes of operation obsolete. As such, firms that invest in the right themes often end up winning while those that miss the big themes often end up lagging behind.


Retail banking is going through a period of profound transformation, accelerated by COVID-19. Long overdue infrastructure mismatches (over-branched and under-digitized) have been corrected at pace and at scale by otherwise slow-moving incumbent institutions.

AI-enabled credit scoring saw digital banks such as WeBank and MYbank limit non-performing loan ratios to single digits while incumbents set aside billions in loan loss provisions.

Rather than being displaced by COVID-19, the ESG theme has been buttressed by it. Being forced to shut down huge sections of the economy reminded everyone the environment can have a direct impact on economic performance.

Reasons to Buy

Understand which banks are best positioned for success within critical themes and why.

Learn which banks are under-invested in key themes and thus most vulnerable to disruption.

Understand which themes your institution can address (and how) to drive share price.

Key Players

ABN Amro
Ant Group
Bank of America
Capital One
The Co-operative Bank
Deutsche Bank
Emirates NBD
Goldman Sachs
Intesa Sanpaolo
JPMorgan Chase
La Caixa
Lloyds Bank
TSB Bank
Wells Fargo

Table of Contents

Table of Contents

Executive summary



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