Commercial Banks & Prime Broker
THE CHALLENGE
Commercial Banks
- Banks' core business is lending - earing "Interest"
- Banks' margins are shrinking - near zero interest rates
- Banks are all the same - no distinctive offerings
- Lending has limits. Need to find additional transactional revenue.
![Commercial Banks Commercial Banks](https://zagtrader.b-cdn.net/images/pages/bank.png)
Consumers
- Gen Z – favoring Digital Banking & Investments.
![Commercial Banks Commercial Banks](https://zagtrader.b-cdn.net/images/pages/consumers.png)
Industry
- Investment Management and Conventional Banking are converging.
- Global Markets are complicated. Few banks offer the complete spectrum.
![Commercial Banks Commercial Banks](https://zagtrader.b-cdn.net/images/pages/industry.png)
BANK OF THE FUTURE?
What are banks of the future? They are the banks that will be the financial institutions that will appeal to our kids.
Looking at what we have now, Global Markets and Conventional Commercial Banking is fusing and along with Digital Assets is the way to the future.
![Bank of the future](https://zagtrader.b-cdn.net/images/pages/bank-of-the-future.png)
Classic Commercial Bank Landscape
Consumer
SMB
Next Generation Commercial Banks
Commercial, Corporate & Business
Investment and Wealth Management
Benefits
- Retention of Clients Funds
- Increase Deposits
- Generation of Fee-Based Business
- Cross Selling between Banks Departments (FX, Custody, Lending, etc)
Typical Products Offering...
- Multiple Types of Accounts
- Current Accounts
- Savings Accounts
- Credit Cards
- Trading Accounts
- Loans
- Mortgages
- Retirement
- Insurance
- Lockers
![Commercial Banks Commercial Banks](https://zagtrader.b-cdn.net/images/pages/street.png)
ZagTrader Enabled Offering...
-
Treasury Products
- Commodity-backed Accounts (Gold)
- Treasury Bills
- Currencies & FX
-
Securities
- Stocks, ETFs
- Bonds and Sukuks
- Derivatives
- Real Estate Trusts
- Digital Assets
- Wealth Management and Advisory
- Custody Services
![Commercial Banks Commercial Banks](https://zagtrader.b-cdn.net/images/pages/street2.png)