{"id":5084,"date":"2025-10-24T18:07:20","date_gmt":"2025-10-24T15:07:20","guid":{"rendered":"https:\/\/relinvestmentsgroup.com\/?p=5084"},"modified":"2025-10-25T06:23:24","modified_gmt":"2025-10-25T03:23:24","slug":"mckinsey-banki-zafiksirovali-rekordnuyu-pribyl-v-razmere-1-2-trln-dollarov-v-2024-godu","status":"publish","type":"post","link":"https:\/\/relinvestmentsgroup.com\/en\/mckinsey-banki-zafiksirovali-rekordnuyu-pribyl-v-razmere-1-2-trln-dollarov-v-2024-godu\/","title":{"rendered":"Banks post record $1.2t profit in 2024: McKinsey"},"content":{"rendered":"<p><\/p>\n<p class=\"p1\">If banks fail to adapt AI, global profit pools could fall by about $170b.<\/p>\n<p class=\"p1\">Global banks earned record profits of about $1.2t in 2024 \u2014 the highest ever for any industry \u2014 but investors remain cautious, according to McKinsey\u2019s Global Banking Annual Review.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p1\">Market valuations are nearly 70% lower than the average across other sectors, reflecting doubts that recent gains can be sustained.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p1\">McKinsey say profits were boosted by temporary tailwinds, whilst challenges such as falling interest rates, evolving consumer behaviour, and competition from fintechs, private credit, and wealth managers are squeezing margins.<\/p>\n<p class=\"p1\">These pressures could push banks\u2019 return on equity below their cost of capital in several markets.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p1\">The report also said that banks can no longer rely on broad, scale-driven strategies and must instead focus on precision.<\/p>\n<p class=\"p1\">Artificial intelligence is seen as a key driver of this shift.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p1\">Early adopters of generative and agentic AI could achieve lasting advantages, with potential cost savings of 15% to 20% across the industry, even after accounting for higher technology expenses.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p1\">However, as competition intensifies, much of the benefit is expected to flow to customers through lower prices and improved services.<\/p>\n<p class=\"p1\">AI could also erode banks\u2019 long-term profitability as consumers increasingly use intelligent agents to manage their finances, potentially reducing deposits and credit card revenues.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p1\">If banks fail to adapt, global profit pools could fall by about $170b, or 9%, over the next decade.<\/p>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>If banks fail to adapt AI, global profit pools could fall by about $170b. Global banks earned record profits of about $1.2t in 2024 \u2014 the highest ever for any industry \u2014 but investors remain cautious, according to McKinsey\u2019s Global Banking Annual Review.\u00a0 Market valuations are nearly 70% lower than the average across other sectors, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5085,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5084","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bez-rubriki"],"featured_image_src":{"landsacpe":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2025\/10\/McKinsey-23-1140x445.webp",1140,445,true],"list":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2025\/10\/McKinsey-23-463x348.webp",463,348,true],"medium":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2025\/10\/McKinsey-23-300x225.webp",300,225,true],"full":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2025\/10\/McKinsey-23.webp",1200,900,false]},"_links":{"self":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts\/5084","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/comments?post=5084"}],"version-history":[{"count":1,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts\/5084\/revisions"}],"predecessor-version":[{"id":5086,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts\/5084\/revisions\/5086"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/media\/5085"}],"wp:attachment":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/media?parent=5084"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/categories?post=5084"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/tags?post=5084"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}