Kunnskapsbasert vekst: globale trender – lokale markeder

Presentasjon om: "Kunnskapsbasert vekst: globale trender – lokale markeder"— Utskrift av presentasjonen:

1 Kunnskapsbasert vekst: globale trender – lokale markeder
Bransjetreff – Drammens Næringslivsforening Drammen, Idar Kreutzer, adm. direktør, Finans Norge

2 Sju samspilte megakriser
Kilde: Mandag Morgen Danmark

3 Verdens ressursutnyttelse er ikke bærekraftig
Today and BAU: The world is on an unsustainable track Kilde: World Business Council for Sustainable Development, Vision 2050 Vision 2050: Around nine billion people live well, and within the limits of the planet

4 ‘Must haves’ Politikk Økonomi
Myndigheter må vise lederskap og sette rammebetingelser som stimulerer innovasjon og investeringsvilje “Smart regulation” Nye kriterier som inkluderer virkelige kostnader i priser og investeringskalkyler Samfunn Teknologi Sikre forbrukere kunnskap om og tilgang til bærekraftige produkter og tjenester “Informed choices” Effektivitet, innovasjon og kunnskapsdeling Kilde: World Business Council for Sustainable Development, Vision 2050

5 Betydelig investeringsbehov
Forventet investeringbehov for urban infrastruktur til 2030 (US$ 1000 milliarder) Mange muligheter Systemplanlegging Vann Teknologi Infrastruktor Bygninger Finansiering

6 Products and services for aging population
By 2020 people aged 65 and above will account for about one-fifth of the total global population Each month around 1.9 million people in the world will join the ranks of the over 65s

7 Et robust pensjonssystem
Nasjonalt Internasjonalt Pensjonsreformen fase II I nytt tjenestepensjonsprodukt må arbeidstakere og arbeidsgivere i større grad dele risiko enn i eksisterende ytelsesbaserte ordninger være bærekraftig under Solvens II Viktige utfordringer Overgangsordninger - for eksisterende pensjonsrettigheter fastsettelse av nye maksimale sparegrenser i innskuddsordningene Innføring av Solvens II Nåverdi av forpliktelsene beregnes med markedsrente – ikke grunnlagsrente Fallende rente øker verdien av fremtidige forpliktelser Figur års statsobligasjonsrente Kilde: Finanstilsynet

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9 Bærekraftig forretningsvirksomhet

10 The shortening adoption cycles related to innovation

11 Sterk vekst for nettbaserte løsninger

12 Solid kapitalbase får økt betydning

13 Forventer grunnleggende transformasjon
Our study draws on surveys of hundreds of individuals, businesses and on secondary research to determine how firms will compete for the future How will banks compete in the new economic environment? How will banks operate in an environment that shuns excessive risks? How will banks regain the trust and mindshare of their clients? IBM Institute for Business Value Approach Method IBM’s Financial Services Eco System Traditional Banking Risk & Capital Management Customer Intimacy Operational Excellence Universal Banks Integrated Capital Markets Firms Integrated Mono-lines Hybrid Manufacturer & Processors National & Multinational Banks Risk Specialists Niche and Cross-Product Distributors Processing Specialists Specialized Banks & Regional Banks Insight Specialists Networks IBV in partnership with the EIU surveyed the Top 200 banks 28% Americas, 36% Europe and 36% Asia and Australia We interviewed close to ~ 50 executives in the banking industry We developed quantitative models and analyzed the performance of the Top 200 banks We conducted our research and reported our findings by region: emerging and mature markets

14 Summary of Findings Globally, 90% of bankers1 believe they need to transform from the status quo for future profitability Successful banks will invest in building sophisticated insights in risk, client needs and innovation Outperformers will use their insights to specialize their operations by focusing on the client Banks in mature markets will Need to reduce operational complexity that is costing the industry nearly $200b annually2 Increase pre tax profits by ~20% by reducing cost and complexity Use their insight to specialize their operations and grow revenues Banks in emerging markets will Reduce their over dependence on interest income through diversification Use their insight to increase their wealth management business in a lucrative market, growing at $900b / year in the region2 Focus on financial innovation and inclusion of the unbanked and under-banked for growth Maintain cost leadership while avoiding complexity in their operations

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16 Klimaspørsmål løses ikke isolert
Miljø Samfunn Bærekraftig verdiskaping Økonomi

17 Papirbredden 2 Kunnskapspark,Drammen

18 Det handler om mennesker…

19 It is not just about the tools…

20 …it is about leadership and culture
Active disengagement Culture eats strategy for breakfast!

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22 Forutsetninger for å gjennomføre en vellykket endringsprosess
Eierskap Aksept Forståelse Kjennskap

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