埃森哲：COVID-19： 重点商业银行关系经理 -埃森哲（英文版）.pdf

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1、NEXTNOWOUTMANEUVER UNCERTAINTY THE EMPOWERED COMMERCIAL BANKING RELATIONSHIP MANAGER COVID-19: Commercial banks can quickly transform the role of relationship managers (RMs), digitally enabling them with rich insights and innovative engagement tools to understand, relate to and support clients in mo

2、re personal waysat a time when their customers need it most. We call this the empowered RM. COVID-19: THE EMPOWERED COMMERCIAL BANKING RELATIONSHIP MANAGER2 HYPER-PERSONALIZED COMMERCIAL BANKING IS NOW MORE IMPORTANT THAN EVER Navigating the economic impact of COVID-19 is a continuing struggle for b

3、usinesses, particularly small and medium enterprises (SMEs) that are under considerable distress right now. Commercial banks and their relationship managers are needed and relied on, now more than ever before. In the US, for example, nearly 75 percent of small businesses surveyed in June have less t

4、han three months cash on hand.1 A study by MetLife and the US Chamber of Commerce suggests that more than 40 percent of small businesses in the US could close permanently over the next six months due to the coronavirus pandemic.2 Though 51 percent of businesses in Canada are fully open, 46 percent o

5、f them are making half or less than half of their normal, pre-COVID-19 sales.3 Similarly, two-thirds of businesses in Australia saw revenue declines compared to last year; nearly one-third of those businesses say that their revenue fell by 50 percent or more.4 In the UK, 42 percent of businesses pol

6、led in May had less than six months of cash reserves.5 In some cases, long-standing commercial banking customers could face insolvency. The Economist expects a tidal wave of bankruptcies to occur by the end of 2020.6 SMEs and other businesses navigating such challenges are looking to commercial bank