应对银行业变革的风险

About RMAFounded in 1914, the Risk Management Association is a not-for-profit, member-driven professional associ-ation whose sole purpose is to advance the use of sound risk management principles in the financial servicesindustry. RMA promotes an enterprise approach to risk management that focuses on credit risk, market risk,and operational risk. Headquartered in Philadelphia, Pennsylvania, RMA has over 900 institutional membersthat include banks of all sizes as well as nonbank financial institutions. They are represented in the Associ-ation by over 66,000 individuals located throughout North America, Europe, Australia, and Asia/Pacific. In2024, RMA and BAI merged to form ProSight Financial Association to offer an even greater level of support tothe financial services industry, leveraging RMA’s deep risk expertise and BAI’s strong compliance knowledge.About ProSight Financial AssociationProSight Financial Association empowers financial services leaders to strengthen and advance our industry.Formed through the merger of BAI and RMA, trusted organizations with rich histories and deep expertise inrisk, compliance, retail and commercial banking, we are here to support you during times of great change,guide you towards new opportunities for growth, and help you act with confidence. As ProSight, we’ve en-hanced our ability to support you at a time when the industry is challenged to meet changing customer needs,adopt new technologies and manage more complex risk and compliance issues. Our work creates positiveripple effects throughout financial services organizations and our industry—and ultimately helps consumers,businesses, and communities thrive. Learn more at ProSightFA.org.About Oliver WymanOliver Wyman, a business of Marsh McLennan (NYSE: MMC), is a management consulting firm combiningdeep industry knowledge with specialized expertise to help clients optimize their business, improve opera-tions, and accelerate performance. Marsh McLennan is a global leader in risk, strategy, and people, advisingclients in 130 countries across four businesses: Marsh, Guy Carpenter, Mercer, and Oliver Wyman. With an-nual revenue of $23 billion and more than 85,000 colleagues, Marsh McLennan helps build the confidence tothrive through the power of perspective. For more information, visit oliverwyman.com, or follow on LinkedInand X.Rising to the Risks of a Changed Industry: Seven Themes from the 2025 RMA CRO Outlook Survey is published byProSight Financial Association.Please direct inquiries to Katie Williams at rmaxchange@rmahq.org.RMA and Oliver Wyman developed the research hypotheses and analyzed research results jointly.At RMA, Celina Rogers and Ed DeMarco directed the research and Frank Devlin wrote the report. Design by Christopher Santoro.Thank you to the CROs who participated in this research program, and to Mike Duane, Jake Ritchken, Christian McNally, LoreleiVaisse, and a range of Partners at Oliver Wyman for their thoughtful contributions.November 2024© 2024 ProSight Financial Association. All rights reserved, including the right to reproduce this report or portions thereof in anyform whatsoever. Table of ContentsAbout This Report..................................................................................................................................4Executive Summary................................................................................................................................5Introduction............................................................................................................................................6The Continuing Effects of the 2023 Bank Crisis....................................................................................71.Banks Are More Alert to the Speed of Risk..............................................................................72. Regulatory Scrutiny May Be Heightened for the Long Haul...................................................83. Risk Management Has a Larger Role in Organizational Strategy...........................................9Enduring and Emerging Risks.............................................................................................................104. Financial Risks Have Fallen From the Top of the Risks List, but Are Still Considerable.....105. Non-Financial Risks Remain Elevated..................................................................................12The Road Ahead....................................................................................................................................136. Emerging Risks and Disruption Demand Planning...............................................................137. CROs Look to the Future........................................................................................................15Closing Thoughts..................................................................................................................................16 About This ReportIn Jul