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1、Global Wealth 2014 Riding a Wave of Growth The Boston Consulting Group (BCG) is a global management consulting firm and the worlds leading advisor on business strategy. We partner with clients from the private, public, and not-for- profit sectors in all regions to identify their highest-value opport
2、unities, address their most critical challenges, and transform their enterprises. Our customized approach combines deep in sight into the dynamics of companies and markets with close collaboration at all levels of the client organization. This ensures that our clients achieve sustainable compet itiv
3、e advantage, build more capable organizations, and secure lasting results. Founded in 1963, BCG is a private company with 81 offices in 45 countries. For more information, please visit .June 2014 | The Boston Consulting GroupRIDING A WAVE OF GROWTH BRENT BEARDSLEYJORGE BECERRAFEDERICO BURGONIBRUCE H
4、OLLEYDANIEL KESSLER FEDERICO MUXIMATTHIAS NAUMANNTJUN TANGANNA ZAKRZEWSKIGlobal Wealth 20142 | Riding a Wave of GrowthCONTENTS3 INTRODUCTION4 MARKET SIZING: A ROBUST YEAR Global Overview Millionaires Regional Variation13 WEALTH MANAGER BENCHMARKING: STRONG GROWTH CONTINUES 18 THE DIGITAL DILEMMA21 F
5、INDING THE OPTIMAL BUSINESS MODEL The United States Asia-Pacific Offshore Europe Onshore Europe Latin America28 METHODOLOGY29 FOR FURTHER READING30 NOTE TO THE READERThe Boston Consulting Group | 3The global wealth-management industry delivered a few surprises in 2013. Excellent growth did not alway
6、s translate into higher profits. The mature economies of the “old world” and the rapidly developing economies (RDEs) of the “new world” continued to move at different speeds in general, but some developed econo- mies performed extremely well, shifting the playing field. And sophis- ticated digital o
7、fferings are increasingly becoming a source of compet- itive advantage.Overall, the key challenge in the old world remains how to make the most of a large existing asset base amid volatile growth patterns, while the principal task in the new world is how to attract a sizable share of the new wealth
8、that is being created more rapidly than ever. Players in every region will be required to forge creative strategies in order to deepen client relationships and lift both revenues and prof- its. But the road will not be easy. Indeed, most wealth managers con- tinue to face common challenges in terms
9、of gathering new assets, generating new revenues, managing costs, maximizing IT capabilities, complying with regulators, and finding winning investment solutions that foster client loyalty. The battle for assets and market share will become increasingly intense in the run-up to 2020.In Riding a Wave
10、 of Growth: Global Wealth 2014, which is The Boston Consulting Groups fourteenth annual report on the global wealth-management industry, we explore the current size of the mar- ket, the present state of offshore banking, and the performance of leading institutions in a wide range of categories. We a
11、lso examine the growing digital aspects of wealth management, along with the most profitable business modelsall with an eye toward the steps that wealth managers must take to position themselves advantageously.Our goal, as always, is to present a clear and complete portrait of todays wealth-manageme
12、nt industry, as well as to offer thought- provoking analysis of issues that will affect all types of wealth managers as they pursue their growth and profitability ambitions in the years to come.INTRODUCTION4 | Riding a Wave of GrowthMARKET SIZINGA ROBUST YEARGlobal private financial wealth grew by 1
13、4.6 percent in 2013 to reach a total of $152.0 trillion.1 (See Exhibit 1.) The rise was stronger than in 2012, when global wealth grew by 8.7 percent. The key drivers, for the second consecutive year, were the performance of equity markets and the creation of new wealth in RDEs.Average annual change
14、 (%)North America2018E59.1201350.3201243.5201139.9Private financial wealth ($trillions)Japan2018E15.9201315.0201214.3201113.9Western Europe2018E44.6201337.9201236.0201134.3Eastern Europe2018E4.520132.720122.320112.0Latin America2018E5.920133.920123.520113.1Middle East and Africa2018E7.220135.220124.
15、720114.3Asia-Pacific (ex Japan)2018E37.0201261.0201328.3201124.48.915.63.35.05.23.314.817.210.72.84.81.2Global2018E198.22013152.02012132.72011122.08.714.65.411.411.18.88.611.66.516.230.510.5Source: BCG Global Wealth Market-Sizing Database, 2014. Note: Private financial wealth numbers for all years w
16、ere converted to U.S. dollars at year-end 2013 exchange rates to exclude the effect of currency fluctuations. Percentage changes and global totals of private financial wealth are based on complete (not rounded) numbers. Calculations for 2011 and 2012 are based on the same methodology used for the 2013 calculations. Global wealth is measured by financial wealth across all private households. Countries included in each region can be found in th
