Research & Markets

Economic developments, dynamics, opportunities and potentials in banking

Observations and analyses of the current state of the banking sector, market volumes and margins of banking products and offers as well as relevant players in financial services.

Research & Markets

Economic developments, dynamics, opportunities and potentials in banking

Observations and analyses of the current state of the banking sector, market volumes and margins of banking products and offers as well as relevant players in financial services.

Light trail over the city as metaphor for: marathon towards “net zero” the role of banks

Marathon towards “net zero”: the role of banks in achieving climate neutrality

How to develop a science-based pathway aimed at reducing financed GHG emissions to achieve “net-zero” status.
network concept as a metaphor for Target Operating Model 4.0 – asset managers in a fully digital target picture

Tar­get Ope­ra­ting Mo­del 4.0 – asset managers in a fully di­gi­tal tar­get pic­ture

The value chain of asset managers could be almost completely automated and digitally mapped – in theory, human action and interaction are hardly necessary
regulatory gaps between the U.S. and the euro area

Markets regain confidence in banks

zeb.market.flash Q2 2023 (Issue 45 – July 2023): regulatory gaps between the U.S. and the euro area.
Medium-term interest rate scenarios and implications for European banks

Medium-term interest rate scenarios and implications for European banks

What medium-term interest rate scenarios are possible? What are the consequences for European banks? And what control levers, if any, do institutions have in
Treasury goes green: green funding

Green funding: ESG has arrived in treasury

ESG has become a key topic of public debate. It is also being widely discussed within the financial services industry. In this article, we
ESG data collection: operational lending business?

ESG data collection – a challenge for the operational lending business?

The increasing scope of ESG data requirements, however, poses significant challenges for financial institutions.
Banking crisis 2.0: Banking turmoil raises old familiar questions

Banking crisis 2.0: banking turmoil raises old familiar questions

zeb.market.flash Q1 2023 (Issue 43 – April 2023): Banking crisis 2.0 and its regulatory implications
Deposit business after the interest rate turnaround (article)

Deposit business after the interest rate turnaround – regional banks need a new sales story

Regional banks must rethink and reshape their deposit business. Sales challenges faced by savings banks and cooperative banks.
Cover: Private Banking Study Austria 2022

Private Banking Study Austria 2022

Analysis, simulation, focus topics and outlook: the private banking market in Austria.
Abstract image for the lending business 2023: trends and market forecasts

Lending business 2023: trends and market forecasts

Credit events: a global perspective In our review of the 2022 lending business, we examined credit events and trends around the
Cover whitepaper: Private Banking Study Germany 2022

Private Banking Study Germany 2022

The assets of German private banking customers are growing steadily: in 2022, they already amounted to EUR 7.2 trillion and are expected to increase
Banking environment: 2023: challenging times ahead

New banking environment 2023: challenging times ahead

zeb.market.flash Q4 2022 (Issue 42 – January 2023): Essential value drivers in banking
after the interest rate turnaround

Regional banks after the interest rate turnaround – seizing opportunities, avoiding risks

Challenges of the interest rate turnaround require cross-divisional cooperation.
Rebirth of the deposit business for banks in Europe

Rebirth of the deposit business: is a “battle for deposits” looming?

zeb.market.flash Q2 2022 (Issue 42 – November 2022): Banks’ strong performance fuels hope for upcoming quarters
AI is becoming more important for building societies

AI is becoming more important for building societies – study results

In 2021, for the second time since 2019, zeb conducted a study on the use of AI in the building society sector. The results
Soaring interest rates in turbulent times

Soaring interest rates in turbulent times

zeb.market.flash Q2 2022 (Issue 41 – July 2022): It is official: The era of zero interest rate levels seems to be over, but banks
Internal segment accountingin regional banks

Four hypotheses on the future of internal segment accounting in regional banks

Four hypotheses on the future of internal segment accounting in regional banks. Management impulses and conclusion.
ESMA’s Sustainable Finance Roadmap

ESMA’s Sustainable Finance Roadmap

Sustainable finance is an integral part of the real economy and the financial markets. Read how the Sustainable Finance Roadmap helps in the fight
Say goodbye to Goldilocks economy

Say goodbye to the Goldilocks economy

zeb.market.flash Q1 2022 (Issue 40 – April 2022): Post-war economic perspectives and impact on banks.
Asset management: Operating models

Operating models in asset management – ensuring future readiness

Find the best-fitting operating model in order to ensure future readiness in the Asset Management industry!
ESG reporting: challenges and opportunities

ESG reporting: challenges and opportunities for financial institutions

Focus on sustainability risk reporting
Diversity in German banks: Gender diversity

Diversity in German banks: Shocking figures for gender diversity on the management boards

It’s not about political correctness nor about feminism – it’s all about economic success
Financing business successions as new revenue streams

Corporate banking – financing business successions as new revenue streams

Business successions as a source of income for regional banks.
Blue particle data making the shape of glowing network as metaphor for the transformation study 2022

Transformation study 2022 (zeb)

Characteristics of a successful corporate culture and levers for its establishment.
Green investment challenge for banks

The green investment challenge for banks

zeb.market.flash Q4 2021 (Issue 39 – January 2022): The green investment challenge.
EPI – Euopean payment initiative

EPI – a take on the European payment initiative

In parallel with discussions among the members of the EPI interim company, we sat down and developed five theses around the rise (and possible
Central banks’ answer to the crypto boom / Bottom-up view modern skyscraper

Central banks’ own answer to the crypto boom

zeb.market flash Q3 2021 (Issue 38 – October 2021): Money, money, money? – Central banks’ own answer to the crypto boom
ESG market – green Tunnel: A step forward for banks

The ESG market potential

Embracing the green revolution: A step forward for banks to embrace the green revolution.
Economic graph as metaphor for regional banks in the wake of COVID­19

Regional banks in the wake of COVID­19 – how to raise income from the securities business

Fields of action and measures for boosting income from the securities business.
Cty of Luxembourg: Retail Banking Market Study

Luxembourg Retail Banking Market Study

Results of the study on the Luxembourg retail banking market.
Treasury goes green: green funding

Green funding: ESG has arrived in treasury

ESG has become a key topic of public debate. It is also being widely discussed within the financial services industry. In this article, we focus on the funding aspect, using green bonds and customer deposits as specific examples.

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