Energy performance certificates in real estate financing – generating sales potential from regulatory obligations!
Energy efficiency and sustainability have become key issues in almost all branches of economic activity in recent years. Both topics are also gaining in importance in the area of real estate financing, particularly with regard to legal requirements and the handling of energy performance certificates.
This raises complex questions for banks and, above all, their managers: How can the requirements be met efficiently, what challenges need to be overcome and what (sales) opportunities does a proactive approach to energy performance certificates offer?
Banks crown successful year with Q4 rally
zeb.market.flash #54, Q4 2025: The global capital markets ended Q4 2025 with moderate gains (MSCI World market cap. +3.2% QoQ). Despite pronounced uncertainty factors – including the longest government shutdown in US history and poor consumer sentiment in Europe and the US – the markets proved resilient.
A look back at the banking industry’s year 2025
Which developments, opportunities and prospects shaped the banking industry? Which regulatory frameworks and innovations need to be taken into account? What are the HR and digital trends in the financial sector? What were the top articles of 2025?
Only AI can stop AI: the new front line in payment fraud prevention
How payment fraud dynamics are shifting and why AI is becoming critical for financial institutions
Use of AI in interest rate derivatives pricing – what are the benefits of hybrid approaches?
Artificial intelligence (AI), in particular machine learning (ML), opens up new possibilities for improving the accuracy and efficiency of the underlying calculations. However, it is important to consider not only the opportunities but also the risks of these technologies – including model transparency and associated costs.
Special depreciation allowance for e-vehicles: an opportunity or a risk for leasing companies?
Effects of the new special depreciation allowance for electric vehicles on leasing companies in Germany.
9.5% cost reduction: the leasing industry is navigating between efficiency and strategic transformation
How resilient is the leasing industry? How is the leasing market performing in the current economic environment?
The platform economy marks a strategic shift in banking
In an interview with Michelle von Nathusius, Dominik Schütz, head of LBBW’s Innovation Lab, explains how banks should approach platform logic strategically. He discusses the opportunities it presents and why cooperation is key to success.
ISO 20022: from compliance to data power
ISO 20022 – a standard designed to bring clarity, structure, and harmonization to the payment ecosystem
The BCBS principles in 2025: Have the guidelines for credit risk management in banks improved?!
The Basel Committee on Banking Supervision (BCBS) has updated its principles for the management of credit risks. These updates are intended to help supervisory authorities ensure that banks establish appropriate and effective procedures for identifying, assessing, managing and monitoring credit risks.
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