2012 and Beyond – The New Era in U.S. Banking

Skills and Scale
2012 and Beyond – The New Era in U.S. Banking

End-of-year 2011 earnings statements, economic statistics and industry news confirm the U.S. banking industry paradigm of the past decades will need to undertake a strategic shift to maintain financial performance levels. Conventional profitability sources are under heavy pressure and look to remain so for some time to come, given a disadvantageous U.S. monetary policy, the European sovereign debt crisis, continued expansion of regulatory requirements and evolving customer interaction channels, among other market and competitive influences. Capital availability, significantly influenced by proposed U.S. regulatory requirements and their potential to constrain shareholder potential for return on equity, is also likely to tighten, while other industries and investment opportunities offer more appealing, long-term risk-return dynamics to would-be investors, requiring deeper assessment of traditional business lines and consideration of risk-return dynamics.

 

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