RBS's Davies on Lending, Gender Imbalance, Cyber Risks

The transcript discusses the banking sectors in Germany and Italy, highlighting differences in market concentration and consolidation opportunities. It covers RBS's market activity, noting trends in mortgage and consumer lending, and the impact of Brexit on corporate lending. The challenges of staffing, gender balance, and compensation in banking are explored, with a focus on the underrepresentation of women in economics and finance. The transcript also addresses cyber threats, emphasizing the distinction between rational and disruptive threats, and the importance of cooperation among banks and security agencies.

What factors contribute to the difficulty of concentration in the German banking market?

How does the commercial banking landscape in Italy differ from that in Germany?

What trends are observed in the mortgage and consumer lending markets in the UK?

What challenges do banks face in retaining qualified staff, particularly women, in investment banking?

How do banks in the UK respond to cyber threats, and what are the main concerns?

In what ways do banks cooperate with security agencies to address cyber threats?

What are the implications of having a competitive environment among banks regarding cybersecurity?