1 5 16 25 30 37 44 46
1
Institute of International Finance IIF 1 1. 5 6 AI 2
3 2017 1. 5 15 11% 15% 2. 16 24 25% 2. 3.
5. 37 43 3. 25 29 egrc 4. 30 36 4
5
ECB 1 10% 57% 50% 40% 30% 22% 40% 43% 100% 65% 78% 6
7 2 1 2016 77% 41% 34% 32% 31% 58% 26% 16% 3% 8% 23% 10% 2016 2016 57% 29% 26% 24% 21% 39% 9% 11% 3% 6% 11%
8 69% 61% 52%40% 25% 2 86% 80% 69% 43% 41% 33% 30% 81% 61% 50% 53% 57% 31% 10%
ㄔҿᰛ䏁 ሯӄ䬬㺂фⴇ ᵰᶺθ 〇ᢶሲ㠪Ⲻ㺂ѐ他㾼ᱥ ㅢӂཝ ශ伄䲟Ⱦ䘏䈪᱄θ䬬㺂ѐ䶘Ѫᴪ ᒵ Ⲻ ㄔҿᙝ䖢ශθу䇰ᱥ〥ᶷ䖢ශᒬ ѐਇ䎭᥇ᡎⲻ ቅශ䬬㺂θ䘎ᱥᴪ ᡆ Ⲻཝශ 䍯〇ᢶ ޢ ਮθ 䜳 ཝ 䘑ߑ䬬㺂ѐθቚ ᱥ Ԏԛ ѠӰ䍭ⅴф ቅᗤԷѐ䍭ⅴ亼ตȾ1 ഴ3ᡶ θ ൦ Ⲻㄔҿ ᴿᡶу θਥԛ ᱖ ᖉ൦䠇㷃ᵃ 㺂ѐⲺᶺᡆԛ ሯ䬬㺂 Ⲻ ד 䎌ぁᓜȾ ռ 䇵㘻ሯӄᵠᶛॷᒪଠ㊱ㄔҿሯᢁᴶуᇯቅ䀇Ⲻ㿸 প ሯж㠪Ⱦ㓥㓵рᵃ 㻡㿼Ѱᴶ 㛷Ⲻㄔҿ㘻θ ⅗ᱥཝශ 䍯〇ᢶ ޢ ਮȾ жփ伄䲟儎 ᡶ䈪θ ć ᆍ 他㾼 ᆍᢶᵥθ 䠇㷃〇ᢶθᱥ ශ ᡎ 㛷θՐᖧ 䬬㺂Ⲻ䘆㩛 θ 䬬㺂ѐⲺ ԭ ٲ 䬴ȾĈ жӑ ตθ䬬㺂ѐᡌᴪ ᒵ Ⲻ䠇㷃ᵃ 亼ตѣⲺՖ㔕ㄔҿ㘻ԃᱥ䠃ཝ 㛷ᡶ Ⱦ㙂 ҁсθ ታ ཝ㚼⑨ḉᶛ㠠 ԭශ䍣 㖇ㄏ ཐ ݹ ᇔ ᡌ㖇㔒䴬 Ⲻㄔҿ 㛷θռ䬬㺂ሯ Ⲻ ぁᓜ ሯ 䖹քȾ 㵝 3 㸕 㬏㛋䐱㬸䄋 䎚㶟㾓 㾣 㼀㩰䅙㾱 㬱 ㆉ 㯟 100% 㼜Ⳳ ゝ 㯟 㡅㰜 㦻ⴟ㹒㒍䈓 㵔 䈌䎀 㬖㳆 㶙㕈㒄㬼㩭 84% 71% 33% 83% 0% 0% 50% 7% 100% 95% 71% 㗡 Ⰲ㗡䐿 100% 67% 䅙㾱 㵔 䎚ⰵ㬷 ゼ㾮 㹐㶙䍟 㝘䐿 䁨㲌 䐿᱃䐱Ⰼ 58% 89% 86% 67% 22% 21% 33% 26% 33% 16% 86% 22% 38% 0% 14% 㧈 ㉝䅙㾱䄖 㻶 㯟 ᆿ 㖇ㄏθɅ ݻ 䠀 䬬㺂ѐⲺ䠇㷃〇ᢶ 㜳Ɇ 䠃ງ ԱȽ ᙝ ȽՎ 9
application programming interface API 2 2016 11% 15% 4 2 API API 10
4 5% 7% 5% 10% 11% 15% 5% 11% 33% 29% 37% 33% 50% 58% 70% FRTB13 14 15 IFRS 9/CECL MiFID II PSD 2 16% 20% 5% 14% 22% 25% 33% 52% 45%75% 26%27% 18% 20% 33% 33% 80% 39% 19% 11
5 5 80% 58% 58% 52% 45% 43% 28% 28% CCP 12
71% 82% 50% 50% 25% 18% 9% 7% 7% 7%7% 5% non-modellable risk factor NMRF internal models approach IMA 86% 42% 42% 17% 33% 8% 8% 54% 17% 4% 17% 27% 27% 9% 27% 9% 4% 13% 38% 38% 8% 15% 23% 38% 15% 8% 35% 26% 9% 17% 13% 9% 18% 18% 55% 18% 9% 9% 5% 59% 8% 15% 15% 23% 38% 27% 5% 32% 27% 9% 1 2 3 4 5 13
IFRS 9/CECL 9 IFRS 9 2018 1 1 CECL 2020 1 1 2018 2020 30% CECL IFRS 9 91% 82% 65% 62% 60% 58% 3 IT 3 9 14
ሯӄᐨሯ ᦕ ཧᤞ ਥ㜳Ⲻ໔ ᑻᓜ䘑㺂զ䇗Ⲻ䬬㺂 ᶛ䈪θ ࡏᇔ θᤞ ᖧ ぁᓜᴿ᱄ᱴᐤ φቅӄ 10%δ31%Ⲻ䬬㺂εȽ11%-20%δ18%Ⲻ䬬㺂εȽ 21%-30%δ15%Ⲻ䬬㺂ε 31%-50%δ6%Ⲻ䬬㺂εȾ ӻᴿቇ 䬬㺂㺞 θ զ䇗ⲻ ᦕ ཧᤞ Ⲻ໔ ᑻᓜ ሼ儎ӄᡶ㔏㤹പȾ㙂䎻䗽 ҁжδ27%εⲻ䬬㺂 ᇂᡆ䈹ḛ ԃᵠ䘑㺂 զ䇗ⱦ ਜཌθ ӄifrs 9 ሼ θ䟽 IFRSⲺ䬬㺂ᗍ с 㔉䇰 θ䢪ӄ䘏ӑ ࡏሯ䍺ᵢӝ ᖧ θԍԣሼ䠃 䇺ԭ 䍺ӝᣋ䍺㓺 θᒬᴪ 〥ᶷ൦ ᇘᡭ 㜳 Ⱦ ሯ ҁсθᴿ䘇жঀδ45%εⲻ㗄ള䬬㺂ᵠሼ 㿼Ѱ 䭤Ӂ亯Ⱦ ᵠᶛ ᒪθ䬬㺂ѐሼ䙆 䘏ӑՐ䇗 ᴪሯ ѐ ᕅȽӝ 䇴䇗ф 㜳ԛ ᣋ䍺㓺 ᐹᑜᶛⲺᖧ Ⱦ ሯ㪙ӁՐ㙂䀶θ ࡏ㔏ᡎ Ƚ 䈋 ぁȽ䍺ᵢ 䞃㖤ԛ ѐ 䇗ࡈȽᇐԭ 伄䲟 څ ᡶᑜᶛⲺᖧ Րᱥ ԌԢ 䠃 Ⱦ ⰵ䄖㹒㚄㬞 䊅ェ䇑㼍 䐿᱃䐱Ⰼ 㠡 䓫 㵗䓫䔊 50% ⷝゴ れ 䇐 㚽㑇 50% 70% 50% 10% 㻷䇱䍞㔵 㻷䇱䄖㹒㼀 20% ビⳉ㦬㬖㳆 㡅㰜 㝘䐿 䁨㲌 10% 33% 20% 㗡 Ⰲ㗡䐿 63% 58% 16% 89% 44% 22% 16% 30% 15% 15% 11% 16% 50% 11% 10% 45% 䠃ງ ԱȽ ᙝ ȽՎ 15
16
80% 6 75% 58% 28% AML KYC 39%RPA 17
6 75% 72% 68% 58% 45% 37% 30% 39% 82% 62% 55% 41% 28% 21% 18
4 7 apps 6 AI 7 56% 11% 27% 6% 29% 27% 26% 18% apps 26% 26% 30% 18% 20% 30% 20% 30% 19% 17% 8% 56% 19% 25% 22% 34% 15% 22% 31% 32% 4 19
8 8 38% 14% 44% 5% 27% 23% 39% 11% 20% 25% 49% 6% 19% 29% 17% 35% 18% 26% 14% 42% 14% 36% 33% 16% 9% 39% 33% 19% 7% 48% 24% 21% 7% 25% 15% 53% 3% 37% 14% 46% 2% 25% 12% 61% 20
1. 2. 71% 49% 47% 40% 37% 36% 21
3. 9 49% 43% 32% 31% 23% 22% 22% 87%64% 59% 57%54% 29% 34% 23% 16% 4. 7 8 40 9 5% 18% 28% 48% 21% 21% 44% 13% 14% 33% 38% 16% 48% 38% 14% 10% 25% 46% 19% 45% 42% 9% 5% 6% 13% 34% 47% 15% 25% 28% 33% 22
41% 27% 41% 17% 35% 12% 35% 58% 43% 43% 10 70% 59% 38%25% 23
10 IT 64% 64% 52% 43% 43% 38% 30% 29% 25% 23% 17% 17% 7% 24
25
76% 38% 43%23% 33% 46% 43% 41% 26
8,000 27,000 11 12 11 12 2017 11% 48% 41% 2017 4% 51% 44% 2016 5% 65% 30% 2016 5% 30% 65% 2017 21% 44% 35% 2017 6% 44% 51% 2016 10% 33% 57% 2016 5% 30% 65% 27
10 5 7% egrc egrc 66% 52% 51% 38% 14% 5 28
㵝 12 ⴈ㻶䈌 㦬 Ⱝ㦒 䐿᱃䐱Ⰼ 㻩 㭞 㹗ゝ㚽 㚄㾮ⴈ㻶䐋㬗 㹗㚽㑇 㾱㸋ⴈ㻶䐋㬗 㝘䐿 䁨㲌 80% 83% 50% 47% 67% 17% 50% 47% 65% 89% 40% 25% 25% 17% 53% 15% 56% 㬵ゝ㚽 17% 20% 15% 56% ㉗ 17% 20% 㸿㦬 Ⱝ㦒 17% 䗺ԀѰ θ䘏ӑഘ䱕㿺 ԃ ሯ䖹ቅφᴿ71%Ⲻ 㿺 䈋ഘ䱕 59%Ⲻ伄䲟 䈋ഘ䱕ѣⲺщѐӰ 䠅у䏩 50ӰȾռਥ䙐䗽ḽ 䳼ѣ 䈋ᶛࠅቇ䠃གྷᐛ ᨆ儎 䈋䍞䠅θᇔ 䘏ж㔉 ⲺᵰՐ亽ཝȾ〇ᢶሼ ᡆѰ 䈋 Ⲻ ഖ Ⱦཐ δ61%ε䬬㺂 䇺ԭ 䛙ӑਥ 㠠 ᶛ 䈋Ⲻ亼ตθъᴿ䘇1/4δ22%ε Ⲻ䬬㺂 䈋 䘏ж Ⱦ 㙂θቐᵠᴿ 䇵䬬㺂 ޞ 䶘 ᇔ 䈛 Ⱦ 10% 5% 19% 89% 43% 89% 19% 10% 33% 㵉 7% 㗡 Ⰲ㗡䐿 56% 14% 10% 14% 29% 䎻䗽ঀ Ⲻ䬬㺂 㘹㲇ᡌ㘻ᐨ㔅ᔶခ ḽ ԛ ᔰ 䈋উ䏀ѣᗹȾ䘏㊱ѣᗹ 䈮ཐ 伄䲟㜳 θ 伄䲟 䈋δ80%εȽ ශ 僂䇷δ53%εȽ ශᓉᆎ δ50%εƚ ᚥ伄䲟 ⴇ δ47%ε 㔟 ⴇ δ27%εⱦ 䠃ງ ԱȽ ᙝ ȽՎ 29
30
FSB 13 61% 74% 65% 56% 49% 47% 44% 31
13 2016 2017 63% 57% 57% 24% 25% 27% 46% 27% 31% 18% 28% 16% 32
33 15 14 52% 1/3 CRO 7% 14 69% 26% 9% 14% 3% $$$$$$$$$$$$ $$$$$$$$$$ $$$$$$$$$ $$$$$$$ $$$$$ $$$$$ 75% 64% 57% 43% 36% 32% 15
57% 56% 53% 49% 70% 64% 53%50% 50% 29% 20% 11% 0% 79% 74% 90% 83% 70% 67% 60% 34
66% 62% 52% 48% 42% 35% 43% 65% 35
16 59% 29% 29% 19% 15% 16 71% 53% 42% 36% 62% 45% 40% 9% 76% 63% / 61% 45% 13% 36
37
business-as-usual BAU RRP 9 11 75% 26%? 38
17 39
54% 55% 78% 17 74% 44% 54% 51% 49% 60% 40
6 7 79% 74%73% 68% 57% 49%18 8 61% 59% 56% 56% 18 61% 57% 52% 48% 41% 6 Cyber resiliency: evidencing a well-thought-out-strategyeygm Limited 2017 7 Cyber risk management across the lines of defense 8 EYGM Limited 2017 41
19 19 64% 51% 48% 20 45% 42% 42% 41% 42
67% 53% 51% 50% 47% 46% 40% 37% 20 66% 63% 55% 52% 44% 35% 30% 27% 43
2017 52017 8 IIF / 35 / 77 201629 / 67 20 40 SIFI 2016 12 317% 224% 1,00035% 1,0004,99082% 4/ 18%50 /44% 42% 6% 44
DiscoveryPurple Banco BICE Banco GyT Continental BB&T * * * * 45
+86 10 5815 4057 jack.chan@cn.ey.com +86 10 5815 3305 kelvin.leung@cn.ey.com +86 10 5815 3222 geoffrey.choi@cn.ey.com +86 10 5815 3393 +86 21 2228 2929 aj.lim@cn.ey.com +86 10 5815 2621 steven.xu@cn.ey.com +86 20 2881 2773 teresa.zhao@cn.ey.com +86 21 2228 2332 ron.yan@cn.ey.com +852 2846 9033 teresa.tso@hk.ey.com +86 755 2502 8287 benny-by.cheung@cn.ey.com EY Assurance Tax Transactions Advisory Ernst & Young Global Limited Ernst & Young Global Limited www.ey.com 2017 APAC no.03005901 ED None 70 500 IIF 1333 H St NW, Suite 800E Washington, DC 20005-4770 USA : +1 202 857-3600 +1 202 775-1430 www.iif.com info@iif.com www.ey.com/china