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  "documentTitle": "Do banks still need branch networks? REPORT Optimization opportunities with a focus on the GCC region",
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  "authorName": "Roland Berger",
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  "notes": "The slide combines a stacked bar chart showing market concentration with qualitative analysis of branch productivity drivers in the GCC region.",
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      "text": "CURRENT BRANCH PRODUCTIVITY DIFFERS ACROSS THE GCC COUNTRIES",
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      "text": "Market Leader, Top 3, Remaining",
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      "text": "Lastly, KSA and Oman have lower branch productivity levels due to a mix of factors, including the predominance of branches as the main banking channel and lower financial inclusion.",
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      "text": "Currently, UAE and Qatar have the highest branch productivity due to more mature and digitalized customer relationships, which allows banks to have less need for physical interaction.",
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      "text": "The difference in the relevance of branch networks as well as the difference in the evolution of the number of branches due to footprint optimization across countries and across banks has a direct impact on branches' productivity levels.",
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      "text": "In Bahrain and Kuwait, even though physical channels play a prominent role in client relationship management, the high branch productivity is a result of a robust retail-banking sector.",
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      "text": "Detailed country-by-country analysis of branch network strategies and digital transformation trends in the GCC.",
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      "kind": "source-note",
      "text": "Source: Central Banks, Roland Berger",
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      "text": "Branch network concentration by retail market leaders and the top 3 market leaders (% of the overall number of branches owned in the country)",
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