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1、Commercial banking 2025:Finding a new compass to navigate the future2Commercial banking 2025:Finding a new compass to navigate the futureContents Key messages 3Helping commercial customers navigate clouds of uncertainty 4Lever 1:Empowered relationship managers to drive higher trust 6Lever 2:Digital

2、experience has become table stakes to maintain relevance 7Lever 3:Bringing innovative products,services,and business models to life 9Lever 4:Pricing and cost optimization are two sides of the profitability coin 11Transcending the clouds toward clearer skies 13Contacts 14Commercial banking 2025:Findi

3、ng a new compass to navigate the future3 High inflation,recessionary concerns,supply chain challenges,and the proposed higher minimum corporate tax rate could decelerate corporate demand for capital investments,but demand for working capital could remain robust.A visual summary of the impact and tim

4、ing of factors influencing commercial banking is presented in figure 1.In our survey of more than 100 US corporate executives who are decision makers on banking relationships,73%of respondents expected that managing liquidity would be among their top three pain points in 2023,followed by receivables

5、 management(56%)and an accurate real-time view of cash balances(50%).However,fewer than half of the surveyed executives(46%)consider the overall service quality of their primary bank as excellent or very good.Despite a loyal client base,commercial banks will likely face fierce competition from both

6、banks and nonbank institutions,as about one-third of executives from companies with US$1 billion or more in annual revenues said their company had a banking relationship with 10 or more institutions.In the short term,commercial bankers will likely need to respond to evolving macroeconomic and compet