毕马威：2020年香港银行业展望(英文 24 页)

Contents

Overview:

Change is the only constant in 2020

Virtual banks:

Competition heats up for customers and deposits

Cost and operational efficiency:

Invest more to save more in 2020

Suptech:

Regulators to leverage suptech in 2020 to gain more granular and real-time insights into banks’ business

Greater Bay Area:

Cross-boundary wealth management and mortgage lending the next steps in GBA development for banks

Wealth management:

Wealth in 2020: Digital, China, Family Offices

Mainland Chinese banks in Hong Kong:

Beefing up digital capabilities and attracting mainland Chinese corporates to Hong Kong the keys to success

Risk and regulation:

Three emerging risk issues for banks in Hong Kong

Cybersecurity:

As banking and technology converge, bolstering cyber resilience is the key to success

Conduct and Culture:

More misconduct enforcement cases on the horizon, with culture a major contributor

Credit risk:

New credit risk models set to emerge amid uncertain macroeconomic environment

Sustainability:

Time for a step change: regulators and industry to increase their focus on sustainable banking

Customer intimacy:

Those that can leverage data to drive personalised outcomes will earn the right to survive

Financial crime compliance:

2020 will see new technology-driven, intelligence-led approaches to combat financial crime

LIBOR:

Greater risks and costs for banks that do not have a LIBOR transition programme

Bancassurance:

Stronger digital partnerships between banks and insurers will create win-win scenarios for all, including customers

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