.

1. The world
after covid-19
Rudi Deruytter

2. Theworld
after covid-19
Crisis? Opportunities?
Customers- people first in the bankingworld

3. CRISISOR opportunity?
• New role for the banks
• Consolidation in small and medium sized banks? Ex. Axa and Crelan
• Trust – digital safe passwords. Ex. KBC digital safe
• No black swan
• No black box

4. Fear and reactions
Localisation
1
4
6lessonslearned
Work and work life
balance
Sustainability
2
5
Tele / digital
Financial
vulnerability
3
6

5. Trust
No trust in some leaders,
banks
No risk products, safe
financial productsPeople are really afraid
1.Fearandreaction
Death?
Stock exchanges went down
already in January
Insurance demand, increase
Savings accounts
OBSERVATIONS ACTIONS
Contactless payments

6. 2.Workandwork LIFEbalance
OBSERVATIONS ACTIONS
- Home work
- Quality of life
- Adaptability and flexibility
- Apps that can sell products
- Working hours
- Remote leadership
- Remote banking
- Less branches

7. 3. Teleand digital
OBSERVATIONS
- Prop tech, US , 15 min. for an
mortgage loan
- Digital platforms, ex. deposit
solutions
- Lending application
- Apps selling
ACTIONS
- Everything becomes TECH
- Humanification
- Online selling

8. 4.Localisation
OBSERVATIONS
- Localisation
- Specialisation shops ,banks
- Made in Belgium label
ACTIONS
- World is global
- No Europe
- Nationalism, protectionism
- Ex. Chinese masks and
unavailable

9. 5. SustainAbility
OBSERVATIONS ACTIONS
Climate
End of life
The urge of
quarterly finance rapports
Long term
thinking
Ethical banking
ESG reporting

10. 6.Financialvulnerability
OBSERVATIONS
- Reduced house hold income
- Reduced ebit
ACTIONS
- Customer centricity
- New credit demands
- Pro activity
- Increase forbearance demands
- Regain trust by the banks

11. - Pro active
- No risk products
- Bank thinks with you in trust
- Online
- Work life balance
WRAP UP