1 © 2014 Fiserv, Inc. or its affiliates. © 2014 Fiserv, Inc. or its affiliates.

How confident are financial institution

executives about 2014

2 © 2014 Fiserv, Inc. or its affiliates. © 2014 Fiserv, Inc. or its affiliates.

We asked members of the Fiserv

Comprised of

17,000 leaders at banks, credit unions and

other financial institutions.

3 © 2014 Fiserv, Inc. or its affiliates. © 2014 Fiserv, Inc. or its affiliates.

How do financial leaders feel about the economy?

What areas will drive growth?

Where will financial institutions innovate?

What will impact business in 2014?

4 © 2014 Fiserv, Inc. or its affiliates. © 2014 Fiserv, Inc. or its affiliates.

How do you feel about the economy?

Overwhelmingly, 92% of respondents anticipate economic recovery to continue at least on pace with 2013.

4

46

42

8

1

Very

optimistic:

Somewhat

optimistic:

About the

same as

2013:

Somewhat

pessimistic:

Very

pessimistic:

What is your expectation for the

overall economy in 2014?

92%

5 © 2014 Fiserv, Inc. or its affiliates. © 2014 Fiserv, Inc. or its affiliates.

Source: Word Cloud based on Survey Comment Responses

Confidence in the improving economic environment… skepticism remains over government policy, regulations and unemployment.

6 © 2014 Fiserv, Inc. or its affiliates. © 2014 Fiserv, Inc. or its affiliates.

Virginia Heyburn

Vice President, Insights & Advocacy, Fiserv

Much of the distress has

worked its way out of the

banking system, and financial

executives can finally look

forward instead of in the

rearview mirror.

7 © 2014 Fiserv, Inc. or its affiliates. © 2014 Fiserv, Inc. or its affiliates.

On average, lending

ranked as most important.

However, the data suggest

institutions are diversifying

across all major lines

of business.

What areas will drive growth?

Lending

8 © 2014 Fiserv, Inc. or its affiliates. © 2014 Fiserv, Inc. or its affiliates.

Business /

Corporate

Lending

Consumer

Banking

Consumer

Lending

Small

Business

Banking

Payments Wealth /

Advisory

Rate the importance of these areas to the

growth of your institution in 2014

For smaller institutions (< $1B) consumers rated as top priorities

9 © 2014 Fiserv, Inc. or its affiliates. © 2014 Fiserv, Inc. or its affiliates.

For larger institutions (> $1B) business customers rated highest

Business /

Corporate

Lending

Consumer

Banking

Consumer

Lending

Small

Business

Banking

Payments Wealth /

Advisory

Rate the importance of these areas to the

growth of your institution in 2014

10 © 2014 Fiserv, Inc. or its affiliates. © 2014 Fiserv, Inc. or its affiliates.

Where will you innovate?

Overall, Lending, Compliance and Digital Channels

Lead Tech Priorities

Smaller institutions ranked Core Banking more important than large institutions, who put more emphasis on CRM and Wealth Management. Wealth Management

CRM/Sales Enablement

ATM/Branch Channels

Payments

Core Banking

Integration/Technology Infrastructure

Mobile/Tablet Channels

Online Channel

Compliance

Lending

Where do you anticipate your company will

focus technology investments in 2014?

11 © 2014 Fiserv, Inc. or its affiliates. © 2014 Fiserv, Inc. or its affiliates.

The rapid pace of technology adoption by

consumers is also a challenge. Non-traditional

financial providers are on the radar, but behind

bank and credit union competitors.

Regulation

What will impact your business the most?

Competition from non-traditional

financial providers

Macroeconomic environment

Competition from other financial

institutions

Pace of consumer tech adoption

Regulations / Legislation

How much of an impact do you

anticipate these areas will have on

your institution in 2014?

12 © 2014 Fiserv, Inc. or its affiliates. © 2014 Fiserv, Inc. or its affiliates.

Methodology

The survey was distributed in early Jan. 2014 to the

Boardroom Series, the 17,000 member-strong thought

leadership community for Fiserv clients. Nine hundred

senior level executives, ranging from community

banks and credit unions to those at institutions with

greater than $30 billion in assets, responded to the

survey.