This study deals with the industrialisation of back offices in retail banking across Europe. It is an analysis of the current situation, with a focus on France, Germany and Italy. The study also explains the behaviors of the players and gives a vision of the future trends concerning credits, and account management & savings.

EUROGROUP CONSULTING wishes to contribute to these considerations with a prospective study of French and European banking groups. This study examines the situation in France and Europe, then offers a critical and prospective vision of the issues.

In early 2010, banks are looking ahead with greater confidence and serenity.

• For most banks, 2009 results were encouraging.
• Bail-outs and other state crisis-related subsidies are gradually less needed.

However, they haven’t escaped unscathed.

• Banks’ images have been seriously tarnished.
• New regulations have been or will soon be implemented.
• Profit prospects are far from the peaks reached in the early 2000s.

New profitability models in low-growth environments will have to be reinvented.

• Based a transparent, differentiating and attractive offer.
• With economically sound operating models.

So, could this be the start of a new era: the era of services sharing and industrialisation?