安永（EY）：2026年瑞士银行业晴雨表：主动求变VS.被动应对？（英文版）（76页）.pdf

1、EY Banking Barometer2026(RE)ACTION2|EY Banking Barometer 2026|(RE)ACTIONEditorial 31.Design of the study 42.Core messages 63.Market environment for banks 94.Operating performance 155.Structural change 286.Priorities for 2026 437.Sustainability 498.Outlook 579.Notes 62Contents3EY Banking Barometer 20

2、26|(RE)ACTION|Editorial Swiss banks can again look back on a successful financial year.However,the outlook is deteriorating.Uncertainty and mixed feelings reign,particularly in the short term.Revenue growth is becoming increasingly difficult due to pressure on margins in the lending,borrowing,and in

3、vestment business,as well as to the low-interest rate environment,which is not expected to fundamentally change in the foreseeable future.At the same time,pressure to cut costs and make efficiency gains is increasing and being heightened by the ever advancing integration and embedding of AI,not just

4、 in banking but also in society as a whole and among customers of Swiss banks.Structural change is advancing ever faster,including in banking,and AI has already proved to be a catalyst.The good news is that,in this environment of an increasingly complex and uncertain landscape with strategies and st

5、ructures having to be adapted,Swiss banks are well positioned.They have a solid capital,customer and business base,and have averted the possibility of any major credit risks or defaults in the future thanks to their prudent risk management.This is also reflected in the optimistic long-term sentiment

6、 of Swiss banks.Furthermore,current growth forecasts for Switzerland still assume growth will be positive,although they have been downgraded a number of times over the past year on account of sustained uncertainty.The crucial question in this environment will be whether to act or react.How will Swis