SAP Banking and Finance
Grow your margins with SAP Solution for banking industry
Banks must seek new competitive advantages in response to changes in customertrust, demographics, and demands as well as profit margins reduced by highercapital requirements, compliance costs, and lower fee income.
An evolving market brings additional challenges such as higher costs of capital and funding. As investors and banks increasingly share risk, banks face greater government supervision ofthe industry, new requirements for capital coverage, and higher compliance costs. Greatertransparency in pricing has caused, especially in the retail markets, a reduction in (or even theelimination of) fees, which is further eroding margins.