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  "documentTitle": "Banking: The future is back",
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      "text": "Although JPMorgan Chase is renowned for its commercial and investment banking, over the past eight quarters its consumer and community banking unit has achieved an average return on equity that is more than twice as high.",
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      "text": "In retail banking, scale matters—and will continue to drive mergers in the US. In Europe, we anticipate a further push to scale with in-country mergers as well as cross-country mergers that will test the sovereign deposit insurance challenge.",
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      "text": "Deciding which segments to compete in can make a big difference. Commercial banking has the greatest revenue pool, but consumer banking and wealth management are where the returns are (Figure 2).",
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      "text": "Source: Accenture Research analysis of FY2023 financial data from the world's 100 largest banks by total assets.",
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      "text": "Figure 2: Across the world's 100 largest banks, the retail segment generates less revenue than the commercial segment but is more profitable.",
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