Retail banks are booming today, but the future could be a bit of a balancing act as the industry navigates a variety of risks. The presentation will explore the financial performance of close to 90 retail banks in Europe, highlighting key metrics that define their current standing and future success. It will delve into the growing customer preference for digital channels, examining how this shift is reshaping the banking landscape, and will shed light on the threat from neobanks and fintech, which are leveraging technology to challenge the traditional banking model.