Powerful forces are reshaping the banking industry, creating an imperative for change. Banks need to choose what posture they want to adopt - to lead the change, to follow fast, or to manage for the present. Whatever their chosen strategy, leading banks will need to balance execution against 6 critical priorities and have a clear sense of the posture they wish to adopt. However, each of them is important, and success will come from a balanced execution across these priorities – and a balance of tactical initiatives and longer-term programs, all coming together as an integrated whole.