2012 Retail Banker International Yearbook

Date: March 30, 2012
Pages: 88
US$ 1,000.00
License [?]:
Publisher: Timetric
Report type: Strategic Report
Delivery: E-mail Delivery (PDF)
ID: 23CA699BA17EN

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2012 Retail Banker International Yearbook
  • This VRL yearbook takes both a country based and bank based approach to the global retail banking sector
  • Mobile and digital marketing issues are highlighted
  • Articles on acquisitions, divestments, new products roll-out and management interviews are included
  • A spotlight is shone on Africa, specifically Nigeria and South Africa


A number of major themes dominated retail banking in 2011. Revenue remained under intense pressure in the majority of markets; historically low interest rates and increased regulation, in particular demands for increased capital, combined to place huge pressure on margins while consumer and political sentiment remained hostile. 2011 witnessed a growing number of major international banks performing dramatic and strategic U-turns, ripping up plans for growth as they restructured balance sheets and focused instead on core markets, improved asset performance and increased productivity. Concerns related to sovereign debt and the weakness of the Eurozone served only to heighten the challenges faced by retail bankers in the mature markets. Set against this backdrop, it is hard but not impossible to flag up retail banking highlights in 2011. Recognising the need to drive down costs while enhancing and broadening the customer user experience, banks ramped up their investments in mobile and online banking in the past year. Looking ahead to 2012, banks can be expected to maintain the drive to enhance customer service and more and more banks can also be expected to ramp up their investment in data analytics. It is also a safe forecast that lenders will continue to seek new revenue streams – solely focusing on expense control will not in itself – enable banks to meet their financial targets.

  • The yearbook summarises 2011's major new developments in a traumatic year, focusing in particular on key markets and trends
  • Innovation and growth are featured prominently
  • Coverage is global, embracing the US, Latin America, Africa and Asia
  • It includes content from two banking reports dealing with social media and future branch banking

Reasons To Buy
  • Build up a strategic overview of the retail banking industry
  • Learn what senior executives think 2012 will hold for retail banks
  • Review 2011's most though-provoking articles
  • Investigate the opportunities for market growth
  • Implement strategic market positioning and customer segmentation

Key Highlights
  • Retail banks were under relentless pressure during 2011, comparable to the situation in 2008
  • Product innovation was one of the few bright spots at both the branch and customer level
  • Mobile and online banking are enhancing the customer experience while, longer term, this should drive down costs
  • Expect data analytics and the drive for new revenue streams to figure prominently during 2012


1.1 First Direct unveils m-banking app
1.2 Barclays plans Russian retail retreat
1.3 US Bank offers iPhone remote cheque deposit
1.4 Chase tops Facebook battle of the banks
1.5 Banco Popular snaps up Banco Pastor


2.1 TEB leads Turkish cards innovation
2.2 Huntington goes it alone
2.3 Payoff makes fun of financial health
2.4 Scotiabank targets card growth
2.5 Gold-dispensing ATMs in Turkey
2.6 Debit card fees in US price war
2.7 Walmart ramps up prepaid offering
2.8 US branch numbers still in decline
2.9 Central and Eastern Europe close outlets
2.10 Mobile coffee bar banks in Netherlands
2.11 A new dawn for Nigeria
2.12 Bankinter punches above its weight
2.13 Ernst and Young heralds customer changes
2.14 Helping South Africa’s unbanked
2.15 Tablets are next innovation for remote banking
2.16 Digital at heart of Sabadell strategy
2.17 Catching Latin America’s unbanked
2.18 Virgin branches off to a flying start
2.19 Mobile sophistication drives change
2.20 Heinrich Haasis talks retail
2.21 Peluso continues to raise the bar
2.21 Volume growth target for RBC
2.22 Georgia’s JSC TBC raises its profile
2.23 AMEX wins the Twitter crown
2.24 Singapore’s OCBC prides itself on progress
2.25 Czech Republic on marketing drive
2.26 Competing for Asia’s affluent customers


3.1 Gauging the social media effect
3.2 Next Generation Branch Banking


Wells Fargo
First National Bank
Capital One
Intesa SanPaolo
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