年度重磅报告|2025麦肯锡全球银行业报告：精准为王

Core Viewpoint - In the AI era, precision, rather than scale, is the new competitive advantage for the banking industry. The global banking sector is projected to achieve profits of approximately $1.2 trillion in 2024, marking a historical record. However, the focus for CEOs and investors is on how traditional banks can adapt to evolving macroeconomic conditions, customer demands, and technological changes to build sustainable business models and competitiveness [2]. Group 1: Precision Management Strategies - Precision in customer targeting is essential, shifting from broad customer segments to demand-driven models. Banks should integrate industry specialization into their customer acquisition, product service systems, and credit policies [3]. - Precision in product services involves moving away from overly complex offerings to innovative products that meet high-sensitivity customer needs, which can drive customer acquisition and loyalty [4]. - Precision in technology investment should focus on creating core business value rather than following trends. Successful banks prioritize high-value AI applications that enhance operational efficiency and core competencies [5][6]. Group 2: Risk and Talent Management - Precision in risk management is crucial, transitioning from a one-size-fits-all approach to a proactive, data-driven risk management system that anticipates potential issues [7]. - Precision in talent management is necessary to address the gap in key management talent and quality customer relationship managers. A strategic approach to talent acquisition and retention aligned with business goals is vital [8]. Group 3: Resource Allocation and Cost Management - Precision in resource allocation and cost management is needed, moving from linear and fragmented approaches to strategic, focused resource deployment that aligns with business priorities [9]. Overall, the ability to implement "precision management" is identified as a core competitive advantage for banks, particularly in the context of the current economic environment in China, enabling them to navigate economic cycles and achieve growth [2].