毕马威：2024超越“降本控费”：银行如何通过战略性成本优化创造价值报告（英文版）（38页）.pdf

1、KPMG InternationalApril 2024Beyond savings:Strategic cost optimization for the modern bankKPMG.Make the Difference.IntroductionCost and value optimization matters.The balance of cost and value can be the difference in how an organization does business,identifies investments and drives transformation

2、 in a fast-paced environment.Banks have been investing in programs to reduce their cost base across the enterprise for at least 15 years,with an ever-increasing focus on digital transformation.But banking leaders quickly recognized that sustainable cost and value optimization involves much more than

3、 cost cutting.It requires a careful balance of creating value and reducing cost by making better strategic decisions on business models,products and services and maximizing productivity within front-to-back operating models.In November 2023,KPMG International conducted a survey with over 200 banking

4、 leaders,supported by extensive benchmarking and 1-1 interviews with leaders who are developing the next wave of strategic cost and value optimization investments.Through this research,it is clear that cost and value transformation continues to be a key priority for banks.Ninety-one percent of banki

5、ng leaders agree that they have a clearly defined cost objective up from 81 percent in 2020.And 85 percent of banking executives believe cost management is a critical underpinning of their strategic priorities up from 81 percent in 2020.Leaders are looking at better ways to deliver customer value,in

6、corporating new processes across operating models and leveraging emerging technology and AI to develop a strategic approach that is capable of responding to consumer behaviors and seeing their organizations through the next wave of change.This,in turn,can result in a significant edge and competitive