OW Industry: Financial Services

Retail & Business Banking

Oliver Wyman's Retail & Business Banking Practice advises leading banks, credit institutions, payments companies, and investments firms around the world.

We help our clients design and implement business strategies aimed at serving consumer households and small and medium-sized businesses.


Top-line revenue growth is the key driver of risk-adjusted shareholder value creation for retail and business banking operations. Growth promotes a virtuous circle: Strong performance inspires confidence in the bank’s value proposition, attracting the best talent and encouraging the right behaviors. Oliver Wyman’s Retail & Business Banking Practice has an extensive track record of helping banks achieve growth through strategy execution and innovation.


Many retail financial services institutions struggle with aggressive competitors, pricing and interest margin pressure, and fast-growing costs. With careful top-line management and a close eye on operating efficiency, the Retail & Business Banking Practice helps clients achieve risk-adjusted profits on a sustainable basis.


Top-performing retail financial institutions often have strong cultures that create the organizational energy needed to continually improve performance. We know how to help executive management teams reach alignment and how to develop transformational processes that make big changes possible. Our approach involves catalyzing management dialogue, using pilot projects to create champions and deliver results, and developing an organizational structure and economic model that can support high performance in the long term.

Key Areas of Insight

  • Consumer and SME banking strategy
  • Credit and deposits – strategic pricing, product management, and innovation
  • Information-based decision analytics
  • Sales performance and channel management
  • Credit process, collections and loss management

Retail & Business Banking Insights