Pepperstone logo
Pepperstone logo
  • 中文版
  • English
  • 交易方式

    概览

    定价

    交易账户

    Pro

    高净值客户

    好友推荐计划

    活跃交易者计划

    交易时间

    维护计划

  • 交易平台

    概述

    交易平台

    集成

    交易工具

  • 市场与产品

    概述

    外汇

    股票

    交易所交易基金

    指数

    大宗商品

    货币指数

    指数差价合约股息

    股票差价合约股息

    差价合约远期

  • 市场分析

    概述

    市场导航

    每日简报

    会见分析师

  • 学习交易

    概述

    交易指南

    网络研讨会

  • 合作伙伴

  • 关于我们

  • 帮助和支持

  • 中文版
  • English
  • 开启 Webtrader

  • 交易方式

  • 交易平台

  • 市场与产品

  • 市场分析

  • 学习交易

  • 合作伙伴

  • 关于我们

  • 帮助和支持

学习交易

Trading

Embracing the Future: International Banking in 2024

2024年2月22日
Share
In the face of adversity and uncertainty, international banking has to adapt and innovate. The dynamic banking landscape presents considerable challenges that are not indomitable for leaders and institutions.

Understanding the Operating Model

Apath to improving financial performance, harnessing technology, and seizing growth opportunities requires a different operating model. This model should focus on three intertwined issues: balance sheet management, technology, and regulatory response.

  1. Balance Sheet Management: A strategic approach to balance sheet management can free up capital for reinvention. To do this, banks will evaluate and optimise their business mix, balance sheet strategy, legal entity structures, deal and partnership opportunities, and tax strategy.
  2. Technology: The strategic use of technology can assist in the modern banking environment. Banks should accelerate their technology transitions, embrace responsible generative AI (GenAI), and utilise cloud-based products to streamline operations and improve customer experience.
  3. Regulatory Response: Anticipating regulatory action is key to managing compliance effectively. Modernising compliance infrastructure and implementing upgraded systems can instil regulatory confidence.

However, adopting this new model also carries potential risks:

  • Short-term disruption: Implementing a new operating model can be disruptive, leading to temporary declines in efficiency and employee morale. Careful change management and communication are crucial to mitigate these disruptions.
  • Balancing agility with compliance: Simplifying operations for agility can create challenges in adhering to increasingly complex regulations. Rigorous internal controls and compliance oversight are necessary to navigate this potential pitfall.
  • Overlooking specialised expertise: A shift towards a leaner structure might lead to the loss of specific industry knowledge or niche expertise, potentially hindering decision-making in specific areas. Retention of key talent and cross-training initiatives can address this concern.

Here, leaders need to be more deliberate in allocating capital and liquidity while prioritising investments to address technology and regulatory issues. A simpler operational configuration allows for agility and reduced expenses, making it a necessity in the current banking environment. However, careful planning and execution are necessary to ensure the transition is smooth and minimises potential drawbacks.

Key Trends in 2024

In 2024, pivotal trends in international banking are believed to fall into the following categories:

  • Anticipating regulatory action
  • Delivering financial performance
  • Accelerating technology transitions
  • Embracing responsible GenAI
  • Addressing climate transition

Anticipating Regulatory Action

Reacting to regulators' requests can be costly and resource-consuming. Executives can streamline governance and controls systems and manual processes to lower costs and free up valuable talent. Implementing upgraded compliance infrastructure can instil regulatory confidence and reduce the risk of non-compliance.

Delivering Financial Performance

The search for different profitability levers should entail a data-driven approach to analysing risk-adjusted financial performance. This may involve new partnerships or nonbank relationships that can help optimise returns and maximise the narrative's value.

Accelerating Technology Transitions

Modern cores, digitised operations, and cloud-based computing remain promising sources of renewal and reinvention for the banking business model. Deciding when, how, and what systems to upgrade is a strategic decision that requires the input of the entire C-suite.

Embracing Responsible GenAI

Banks must seamlessly integrate GenAI model governance (a subfield of AI focused on creating new things, not just analysing existing ones) into their existing AI governance frameworks. Robust data ring-fencing practices are crucial to safeguard sensitive information. Additionally, ensuring compliance and comprehensive reporting will be paramount. The good news? The efficiency gains GenAI unlocks throughout the organisation can help offset the adoption costs.

Addressing Climate Transition

With the focus on renewable energy and reduced fossil fuel use, banks will integrate climate and sustainability into how they evaluate risk and opportunity in every financial product and service.

Preview

Global Banking Giants

This list is not exhaustive and does not represent all major global banking giants. Each company mentioned has its own unique strengths, weaknesses, opportunities, and threats (SWOT) that should be analysed before making any investment decisions. The banking industry is subject to complex regulations and economic factors that can impact profitability and stock prices.

JPMorgan Chase & Co. (JPM)

JPMorgan Chase & Co. is a global leader in international banking, offering a wide range of financial services to consumers and businesses.

HSBC Holdings plc (HSBA LN Equity)

HSBC Holdings is one of the largest banking and financial service organisations in the world, serving millions of customers through its global businesses.

Banco Santander, S.A. (SAN FP Equity)

Banco Santander is a leading retail and commercial bank, with a strong presence in Europe and the Americas.

UBS Group AG (UBS SW Equity)

UBS Group AG is a Swiss multinational investment bank and financial services company. It is one of the world's largest and most known banks.

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA SM Equity)

BBVA is a customer-centric global financial services group that is evolving to meet the changing needs of its clients.



Conclusion

Trading in any financial instrument involves inherent risks, including the potential for significant losses. This information is not intended to be, and should not be construed as, a recommendation or solicitation to buy or sell any security. Past performance is not indicative of future results. Before making any investment decisions, you should carefully consider your own financial situation, investment objectives, and risk tolerance.


Related articles

The Impact of Price Movements on Global Markets

The Impact of Price Movements on Global Markets

Trading Guide
Trading

此处提供的材料并未按照旨在促进投资研究独立性的法律要求进行准备,因此被视为营销沟通。虽然它并不受到在投资研究传播之前进行交易的任何禁令,但我们不会在向客户提供信息之前谋求任何优势。

Pepperstone并不保证此处提供的材料准确、及时或完整,因此不应依赖于此。无论是来自第三方还是其他来源的信息,都不应被视为建议;或者购买或出售的要约;或是购买或出售任何证券、金融产品或工具的征求;或是参与任何特定交易策略。它并未考虑读者的财务状况或投资目标。我们建议此内容的读者寻求自己的建议。未经Pepperstone批准,不得复制或重新分发此信息。

其他网站.

  • The Trade Off
  • 合作伙伴
  • 组.
  • 职业生涯

交易方式

  • 定价
  • 交易账户
  • Pro
  • 高净值客户
  • 活跃交易者计划
  • 朋友推荐
  • 交易时间

平台

  • 交易平台
  • 交易工具

市场与符号

  • 外汇
  • 股票
  • 交易所交易基金
  • 指数
  • 大宗商品
  • 货币指数
  • 加密货币
  • 差价合约远期

分析

  • 市场导航
  • 每日简报
  • Pepperstone 激石脉搏
  • 会见分析师

学习交易

  • 交易指南
  • 视频
  • 在线讲座
Pepperstone logo
support@pepperstone.com
1300 033 375
Level 16, Tower One, 727 Collins Street
墨尔本, VIC 澳大利亚 3008
  • 法律文件
  • 隐私政策
  • 网站条款与条件
  • Cookie政策
  • 举报人政策

风险警告:差价合约(CFD)是复杂的工具,由于杠杆作用,存在快速亏损的高风险。 81.3% 的散户投资者在于该提供商进行差价合约交易时账户亏损。您应该考虑自己是否了解差价合约的工作原理,以及是否有承受资金损失的高风险的能力

风险警告:差价合约和外汇交易是有风险的。它不适合每个人,如果你是一个专业客户,你的损失可能大大超过你的初始投资。你并不拥有相关资产或对其拥有权利。过去的业绩并不代表未来的业绩,而且税法可能会改变。本网站上的信息是一般性的,没有考虑到你的个人目标、财务状况或需求。你应该通过审查我们的目标市场的确定文件来考虑你是否属于我们的目标市场,并阅读我们的PDS和其他法律文件,以确保你在做出任何交易决定之前充分了解风险。我们鼓励你在必要时寻求独立建议。

Pepperstone Group Limited位于澳大利亚维多利亚州墨尔本柯林斯街727号第一座16楼,邮编VIC 3008,并由澳大利亚证券和投资委员会(Australian Securities and Investments Commission)许可和监管。 本网站上的信息以及所提供的产品和服务均不得分发给任何国家或地区(如果其分发或使用违反当地法律或法规)的任何人。

© 2025 Pepperstone Group Limited | 澳大利亚公司注册号 (ACN) 147 055 703 | 澳大利亚金融服务牌照号(AFSL) 414530