Fragmentation is now the operating condition for global banking. Geopolitical realignment, diverging regulation, shifting rate cycles and technological disruption are splitting a once-integrated system into competing blocs and rulebooks. For some banks these ruptures are existential; for others, they are the opportunity of a generation. The difference lies in who reads the shifts early and moves decisively. For bank leaders, the session pinpoints which ruptures are reshaping banking's risk and growth map, how leading institutions are turning geopolitical and regulatory headwinds into strategic tailwinds, and where the next sources of advantage are emerging in 2027.