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Efficiency vs. Transformation: Striking the Balance in a Shifting Terrain

Canadian banks remain healthy but face challenges from a wobbly economy, digital disruption and restrictive regulation — all pointing to restructuring ahead.

Canadian bankers have acknowledged the dual challenge of cost control and digital transformation. In recent investor relations calls at several institutions, executives have emphasized the need to free up resources to invest in digital technology and improve mobile and online offers. The question is how to accelerate the process in stressed profit conditions — with minimum further strain on shareholders. Although profitability at the six largest Canadian banks remains head and shoulders above large banks in the U.S. and other countries, Canadian returns on equity and price-to-book multiples have slipped from prior peaks. Competitors want to put a floor beneath ...

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