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.

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.
windturbines as metaphor for sustainability in corporate banking

Sustainability in corporate banking

From wallflower to integral strategy component: Perspectives and considerations for long-term success in corporate banking
BNPL – buy now, pay later on computer display

BNPL – buy now, pay later

How consumer credit is evolving in the 21st century
looking at banks’ price-to-book (P/B) ratios and the development of global banks’ market valuation

What drives banks’ price-to-book (P/B) ratios? The balance sheet – what else!

Key drivers and the impact of changing market trends
Umwelt-Technologie-Konzept als Metapher für den Artikel "The state of sustainable investment funds in Europe"

The state of sustainable investment funds in Europe

Key growth levers and market challenges.
Young woman looking over the City of London as metaphor for the article "Banking sector 2021 – promising first half"

Banking sector 2021 – promising first half

TLTRO – a welcome booster for profits and growth?
Shot of businesspeople turning ideals into deals as a metaphor for the article "Mergers & acquisitions of fintechs"

Mergers & acquisitions of fintechs

Market overview and current challenges.
Looking directly up at the skyline as metaphor for "Inflation on the horizon – bank stocks are rallying"

Inflation on the horizon – bank stocks are rallying

Inflation and increasing interest rates: big comeback or just a dream? zeb.market flash Q1 2021 (Issue 36 – April 2021)
Young women holding smartphone as metaphor for the article about "Mobile banking in Italy"

Mobile banking in Italy

Current situation and levers to excel
Composite image of trees on buildings in city as metaphor for ESG-investing on the rise

ESG-investing on the rise: implications

How ESG will impact asset managers’ value chain
Green view between skysrapers as metaphor for "Disclosure Regulation EU 2019/2088"

Disclosure Regulation EU 2019/2088

The Disclosure Regulation EU 2019/2088 urges financial market participants and financial advisors to update their disclosed product information on sustainability issues.
Man paying contactless as metaphor for "Future of Payments 2021–trend

Future of Payments—trends in payment markets

What’s next in payments 2021? How is the future of payments shaping up? Some trends can be observed…

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