The July 2025 report highlights a disconnect between relationship banking rhetoric and actual engagement, with 39% of corporate clients reporting minimal contact from their primary financial institutions. Frequent, strategic outreach leads to higher adoption of digital services like real-time payments and APIs, reduced credit sensitivity, and increased uptake of noncredit solutions that enhance return on risk-adjusted capital. Institutions that prioritize consistent client engagement see better retention, deeper wallet share, and stronger long-term profitability, gaining a competitive edge in an increasingly commoditized financial services market.

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