麦肯锡：2025年下一代银行业务：美国中型银行的剧本报告（英文版）

The turmoil that hit the US banking industry in early 2023 and resulted in the collapse of several banks was a pivotal moment, particularly for midsize institutions. In the span of just four weeks in March 2023, banks beyond the country’s 25 largest experienced more than $220 billion in deposit outflows,1 as customers moved funds to larger institutions perceived as more stable. The crisis exposed a vulnerability: Some banks discovered they were susceptible to outflows in concentrated pockets