Pricing at European retail banks 10 October 2012

Cette étude est disponible uniquement en anglais. In a context where retail banks are under margin pressure and growth opportunities are limited in domestic markets, pricing optimization is one of the key levers to improve margins in the short term. We all see many areas where pricing is becoming a focus for management, for example in deposit acquisition in fierce competitive markets, or in credit pricing to take account of the scarcity of funding and capital. At the same time the ever-changing regulatory environment must be taken into account in pricing decisions. There are real strategic opportunities for retail banks through investing in pricing capabilities given the market environment: - Highly competitive markets with new players and increasing price sensitivity through Internet - Changes in cost structures, particularly risk/capital and funding - External pressure on prices from consumer bodies and regulators for some products - Increased availability of customer information and emerging multichannel distribution offering new pricing optimization opportunities - Improvements in pricing capabilities, tools and techniques used by retail banks In this context, Efma and Oliver Wyman are joining forces in order to hold a Think Tank of Pricing that gathers senior marketing executives in charge of the pricing strategy in their organisation and write this Pricing in Retail Banking report.
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