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  "documentTitle": "Global Retail Banking 2022",
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      "text": "Growth through continuous innovation in a fluid market environment characterized by competition from banks, fintechs, and players from other industries",
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      "text": "This raises a question: What does a “sustainable” bank look like? Many factors will likely distinguish winning banks of the future from others. (See Exhibit 1.) There’s likely no single or universal combination that makes for a sustainable bank. But for each institution, customers and other stakeholders can be counted on to have strong opinions.",
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      "text": "Retail banks have long been responsive to evolving customer needs. Interest in sustainability has been rising for several years. Concerns over climate change in particular have become decision drivers not only for customers, but also for investors, policymakers, and others. Indeed, regulatory authorities such as the European Central Bank are integrating climate and environmental risks into their supervisory methodologies and banks’ capital requirements. More banks are responding by building sustainability into their digital transformation programs.",
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