毕马威：2020年香港银行业展望（英文版）（24页）.pdf

1、Hong Kong Banking Outlook 2020 Contents Overview: Change is the only constant in 2020 Virtual banks: Competition heats up for customers and deposits Cost and operational efficiency: Invest more to save more in 2020 Suptech: Regulators to leverage suptech in 2020 to gain more granular and real-time i

2、nsights into banks business Greater Bay Area: Cross-boundary wealth management and mortgage lending the next steps in GBA development for banks Wealth management: Wealth in 2020: Digital, China, Family Offices Mainland Chinese banks in Hong Kong: Beefing up digital capabilities and attracting mainla

3、nd Chinese corporates to Hong Kong the keys to success Risk and regulation: Three emerging risk issues for banks in Hong Kong Cybersecurity: As banking and technology converge, bolstering cyber resilience is the key to success 5 6 7 8 9 10 11 12 13 2019 KPMG, a Hong Kong partnership and a member fir

4、m of the KPMG network of independent member firms affiliated with KPMG International Cooperative (“KPMG International”), a Swiss entity. All rights reserved. Conduct and Culture: More misconduct enforcement cases on the horizon, with culture a major contributor Credit risk: New credit risk models se

5、t to emerge amid uncertain macroeconomic environment Sustainability: Time for a step change: regulators and industry to increase their focus on sustainable banking Customer intimacy: Those that can leverage data to drive personalised outcomes will earn the right to survive Financial crime compliance

6、: 2020 will see new technology-driven, intelligence-led approaches to combat financial crime LIBOR: Greater risks and costs for banks that do not have a LIBOR transition programme Bancassurance: Stronger digital partnerships between banks and insurers will create win-win scenarios for all, including