Global Banking Annual Review (GBAR) 2022 highlights the contrasting fortunes of banks at the end of a tumultuous year, with more than half struggling with low profitability and poor growth prospects despite strong margin growth and a more robust capital base. 2022 marked the biggest shift in global banking for over a decade, providing banks with both the opportunity (from higher margins and the Fintech correction) and the need (as a result of macroeconomic volatility and growing sector divergence) to master a dual challenge: maintain resilience in the short term while accelerating transformation into a future-proof, sustainable value creation model. #NotepadWithIbrahimSani