1、IBM Institute for Business Value|Research Insights2025 Global Outlook for Banking and Financial Markets Elevate banking performance in the age of AIHow IBM can helpModern financial institutions demand modularity,security,openness,AI-driven capabilities,and collaboration on a hybrid cloud.At IBM,we e

2、mpower you to elevate customer experiences,modernize core banking infrastructures,pioneer innovative payment solutions,and transform enterprise risk management.Learn more at ForewordAs we enter 2025,the banking sector faces a critical juncture,balancing a unique confluence of new challenges and oppo

3、rtunities that will define its evolution over the next decade.Over the past 15 years,the aftershocks of the 2008 Global Financial Crisis,ever-tightening regulatory pressures,low interest rates,and fierce competition from both traditional and nontraditional rivals have constrained banks degrees of fr

4、eedom.This convergence has created an environment where profitability is under pressure,cost-to-income ratios are elevated,and price-to-book ratios remain strained.As macroeconomic conditions fluctuate with sudden interest rate hikes and heightened trade tensions,banks across the globe are experienc

5、ing disparate outcomes.While European and Indian banks are reaping the rewards of rising interest rates,North American institutions face a mixed bag of results with outcomes more polarized.Japanese banks have just begun to show signs of recovery,while Chinese banks continue to face ongoing economic

6、headwinds.The stage is set for a showdown:banks able to adapt will thrive,while others risk being left further behind.Yet,in the midst of these challenges,one undeniable trend is emerging as the game changer:artificial intelligence.AI is no longer just a buzzword.It is rapidly becoming a key foundat