麦肯锡（McKinsey）：2019年亚太地区银行业报告（英文版）（44页）.pdf

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1、July 2019 Global Banking Practice Asia-Pacific Banking Review 2019 Bracing for consolidation: The quest for scale Authors and acknowledgements Jacob Dahl Senior Partner Hong Kong Vito Giudici Senior Partner Hong Kong Joydeep Sengupta Senior Partner Singapore Suho Kim Partner Seoul Ervin Ng Associate

2、 Partner Singapore The authors would like to acknowledge the contributions of the teamAalind Gupta, Amanda Teo, Belinda Ong, Donna Soh, Fabien Chen, Gabriela Gunawan, Genevieve Cham, John Crofoot, Khadijah Suhaimi, Teddy Nguyen, Yihong Wu, and the Panorama teamas well as the countless number of part

3、ners, colleagues, industry and topical experts, and communications experts to this report. 1Asia-Pacific Banking Review 2019 Bracing for consolidation: The quest for scale Bracing for consolidation: The quest for scale In the previous Asia-Pacific Banking Review in 2016, we wrote that the Asia-Pacif

4、ic banking industry was heading into a storm. Over the past three years, the storm has worsened. There are rays of light breaking through the clouds, but only a small number of banks will climb above the storm, unlocking the potential of scale to boost productivity, optimize capital, and pursue stra

5、tegic growth. Make no mistake about it, consolidation is looming on the horizon. The road ahead is difficult, and less efficient banks will disappear. For many years Asia-Pacifics banking industry has outperformed global banking averages. Today, however, as the regions emerging economies mature, its

6、 banking industry is converging with global averages on margins, returns on equity, and price-to-book multiples. In addition, as economic growth across the region slows (especially in emerging economies) and digital attackers challenge incumbents both in customer acquisition and share of wallet, ban