White Papers and Reports

Temenos Value Benchmark

Insight Paper

Amidst a backdrop of persistent tough macro-economic conditions and geopolitical uncertainty, the rise of new competition and evolving customer demands, as well as crippling legacy architectures, incumbent banks have an immense opportunity to harness the power of digitization to transform their business. Recognising our role as a true strategic partner to our clients, we introduced the Temenos Value Benchmark program in 2018 to provide our clients with tangible data-driven insights on the business value enabled by their investment in IT. Nearly 50 retail, corporate and universal banks across the globe have participated so far. An analysis of the data collected to date, highlights that our top-performing clients already achieve industry-leading cost-income ratios of 26.8%, half the industry average and returns on equity of 29%, three times the industry average.

These clients also invest over 51% of their IT budget on growth and innovation rather than on maintenance, which is double the industry average. In this paper we share our analysis of the key factors that differentiate high performing banks (i.e. those with better cost-income ratios and/or returns on equity), from the average performers, focusing on the tangible drivers of business performance in the industry.

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