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How to Build a Medium Term Strategic Plan in the New Banking Environment?

Julien Fontaine Ancien directeur de la stratégie, Crédit agricole SA. Contact :

Since 2007, European banks have had to cope with a very unique environment. After the crisis management phase (2007-2012), they had to learn how to navigate in a dramatically new and unstable context, whether on the economic, monetary or regulatory front. They were forced to follow defensive medium term strategies. Priorities were management of regulatory ratios, control of liquidity, reduction of costs, and rebuilding of the most impacted business models. In this new cycle, planning technology has become more sophisticated. But it is unlikely that this will lead to more dynamic and diverse strategies without a more normalized environment. This is not creating an optimal situation for the working of the banking sector and more broadly for the financing of the economies.

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1   Étude Mc Kinsey publiée en novembre 2010, Basel 3 and European Banking ; étude conjointe de Morgan Stanley et d’Oliver Wyman publiée le 20 mars 2014, Wholesale & Investment Banking Outlook ; étude du BCG, Global Capital Market 2014.

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