Finance & Risk

Forewarned is forearmed: efficient and safe solutions for economic, regulatory and commercial law-related tasks in total bank management.

Your Contact Person

Dr. Dirk Holländer | Director
Hammer Straße 165
48153 Münster
Germany
Germany

within the individual management units. In this context, the practical applicability of the developed concepts is also of importance to us. And during change processes, we are there to help you at every stage of the process. We support you from the adaptation of the organizational and process models to the parameterization of adequate IT solutions. zeb can draw on a large network of experts with extensive experience in the financial services sector. Our consultants have a broad conceptual understanding of overall coherences as well as specific details with regard to banking subjects. Their expertise covers all relevant financial sectors and markets as well as the different business models — from private customer business to investment banking. Whatever the future holds, we will put you in the best possible position to master it.


Our Services

Strategic financial and regulatory agenda

Let your business become a leading figure.

There is only one way to uncover the dormant potentials of your CFO and CRO functions: awake them from hibernation! Modern banks need CFO and CRO functions that can play an active and creative role. Instead of merely producing figures, they should become a permanent “challenger” of the business models. Nowadays, both functions have to perform a multitude of tasks more and more quickly and cost-effectively. Besides a keen and alert mind, this requires above all for the agenda to be strictly prioritized and adhered to. Based on our long-standing experience and our comprehensive expertise, we at zeb support banks and financial services providers with aligning their CFO and CRO functions for the purposes of an efficient bank management. Our service offer for this field comprises the following topics:

  • Strategic planning & budgeting
  • Performance management, value-based management
  • Balance sheet & capital management
  • Regulatory impact management
  • Overall governance topics
  • Roll-out/program management for CFO/CRO agenda

In the course of numerous projects all across Europe, zeb has been able to demonstrate the importance of decisions in these fields for the ability to support and monitor business models in the best possible way. We are happy to offer our sustainable support also to you, to make sure your business is awake and ready to meet the challenges of the future. Benefit from our extensive experience and excellent know-how.


Your contact person
Dr. Dirk Holländer | Director
Phone: 
+49-251-97128-182
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Deutsche Bank AG, Global implementation of value-based management (VBM) and value driver logic

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Deutsche Postbank AG, One Bank Controlling

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Risk

Stable operations instead of risky undertakings.

There is an upside to every crisis. For example, it can have a clean-up effect. The most recent financial crisis for example has stressed the importance of good risk management. However, risk management resources are being strained above all by the tightened regulatory requirements. Little leeway is left for developing value-adding innovations. Instead of a value-oriented corporate management, regulatory concerns have become the chief task. But this picture is distorted. It is true that regulatory requirements have enhanced the standards of the industry and without doubt they are indispensable for the banking system. But the mere adherence to the minimum requirements is neither sufficient nor helpful for the purposes of a value-oriented corporate management. In order to achieve a real added value, risk management has to be more than mere measuring and reporting based on strict quantitative models. Modern risk management needs to take on new tasks. For example, it should assume the “challenging function” for the business units and subsidiaries, to stop the inefficient distribution of resources within the risk organization or to promote a stronger service orientation towards the internal customer. We at zeb support you all the way from the strategy to the technical implementation with our extensive subject and industry knowledge and our experienced consultants. In addition to a clear functional alignment of the risk function and the organization of methods, processes and systems, zeb can also provide expertise with regard to a wide variety of specialized topics. It is our guiding principle to take the requirements of a value-oriented corporate management into account, in addition to the compliance with the current regulatory requirements. Because a good risk management is one that would deserve the name “risk and opportunity management”.


Your contact person
Simon Grimm | Partner
Phone: 
+49-69-719153-469
Email: 
sgrimm [at] zeb [dot] de
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BayernLB, Corporate monitoring and management of liquidity risks

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Erste Group, Enhancement of group limit management and exposure reporting

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BayernLB, GRC FIT: Realigning Group Risk Control

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Volksbank Romania S.A., Loan restructuring and workout optimisation

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Treasury & ALM

Two master keys for success.

Unfortunately, there is no such thing as a universal formula for success for banks and financial services providers. However, there are two crucial ingredients: effective treasury management and asset liability management. In this context, the strategic alignment and management have to be adjusted to the current market situation and new regulatory requirements on an ongoing basis. In order to secure competitive advantages, it is furthermore necessary to constantly keep the subject knowledge up to date, to recognize weak spots at an early stage and to identify potentials holistically and leverage them systematically. zeb has in-depth subject knowledge in these areas. We offer proven solution approaches for the business as well as the IT side. Our competent zeb consultants develop a treasury strategy that is suited to your business model and support you in conducting the implementation in accordance with management aspects. We support you in establishing strategic and operational management processes, in making your strategy calculable and in revealing potential risks. Another important prerequisite for the success of your treasury is the implementation of a comprehensive liquidity/funding approach and an efficient credit treasury. In addition, we are happy to carry out an evaluation of your software landscape and develop made-to-measure IT solutions. Nevertheless, sustainable success also requires good control. That is why we develop and implement an effective investment controlling and risk management for your asset classes. 


Your contact person
Dr. Wilhelm Menninghaus | Partner
Phone: 
+49-251-97128-142
Email: 
wmenninghaus [at] zeb [dot] de
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Financial controlling and reporting

We know what you need to know.

To reach a destination, first of all you need to know where it is. This also applies to the financial services sector. You can only plan and manage the success of businesses, customers, products or channels if you know what it depends on. Thus, financial controlling and reporting is of great value for financial services providers. Successful financial controlling encompasses the identification, planning and management of all income and cost components. It supplies all relevant information down to the level of individual transactions and allows an efficient management of the profit centers and customer and product dimensions, while always explicitly considering the cost calculation. Financial controlling creates transparency regarding the performance on the income and cost side, whereas reporting is concerned with informing all relevant decision-makers about it in a clear and concise manner. Modern, recipient-oriented reporting solutions are a key success factor for the entire bank management. They ensure quick and simple data access, provide a focused layout and offer the possibility to develop own reports. zeb has extensive know-how and long-standing experience in the area of financial controlling and reporting. Our service portfolio covers everything from revenue controlling, single transaction costing, cost and productivity management and top management reporting to IT solutions and tailored IT architectures for controlling and reporting. In short, we are ready to set sail for new destinations with you. Are you? Then, ship ahoy!


Your contact person
Dr. Stefan Trost | CEO zeb Nordics
Phone: 
+49-251-97128-202
Email: 
strost [at] zeb [dot] de
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Volkswagen Financial Services AG, Worldwide rollout of funds transfer pricing system

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Quantitative methods

We brighten up your outlooks.

Everything used to be better in the old days? Not really. But many things certainly used to be simpler. Financial services, for example, have become more and more complex in recent years. The requirements for the modeling and measuring of related risks have increased in equal measure. zeb can help you meet these increasing requirements and supports you from the development of concepts for quantitative methods until the implementation within the IT. And this is how it works: We provide you with appropriate professional methods based on mathematical-statistical procedures, which will serve to assess risks and to establish economic cause-and-effect relations. With the help of transparent models, complex topics are thereby translated into an economic context in a comprehensible and purposeful way. Our strong support comprises the modeling and measuring of all types of risks and the definition and validation of risk parameters. We develop rating and scoring systems for the risk management and enable you to make demand-based lending decisions by means of models. We are proud to be able to offer you solutions for quantitative and methodological issues relating to all topic areas of modern bank management. For this purpose, we rely on the extensive know-how of our experts and our long-standing project experience. We make sure that your business will develop in keeping with the motto: In the future, everything will be better. And easier.


Your contact person
Dr. Wilhelm Menninghaus | Partner
Phone: 
+49-251-97128-142
Email: 
wmenninghaus [at] zeb [dot] de
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Dr. Joerg Uhlig | Senior Manager
Phone: 
+49-251-97128-246
Email: 
juhlig [at] zeb [dot] de
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Integrated financial and risk architecture

You can build your future on it.

Under construction — in the field of bank management, banks have been presented with constantly growing challenges in recent years. On the one hand, a growing number of regulatory requirements need to be implemented at short notice. On the other hand, the methodological merger of the fields of accounting, financial controlling, risk, regulatory and treasury constitutes a mammoth task to be handled. Experience has shown that many of the architectures currently implemented in banks will not be able to cope with the new requirements in the long run. Thus, extending the existing solution architectures is urgently required in order to ensure that the new requirements can be fulfilled in a timely and cost-efficient manner. Based on numerous implementation projects at different banks, zeb has developed a process model for transferring existing business and IT landscapes into a future-proof financial and risk architecture by means of an evolutionary process. Our model comprises a business-related development plan and — derived from this — a future-proof technical architecture as well as a roadmap in which all strategic targets are combined with short-term implementation needs. In addition, it offers you the possibility to design and implement a data architecture based on the zeb data model and allows the implementation of a sustainable data and IT governance. By the way: Our process model can also be used as a guideline for establishing BCBS 239 compliance, because it fully covers all requirements for an adequate risk data collection pursuant to BCBS 239. With our outstanding expertise in the field of financial and risk architectures, we support you sustainably as a partner all the way from the development of concepts to the implementation. You can take our word for it. Instead of building castles in the clouds, we at zeb prefer to build a solid bridge to success for you.


zeb.control IFRA

Your contact person
Dr. Thomas Abel | Partner
Phone: 
+49-69-719153-436
Email: 
tabel [at] zeb [dot] de
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UniCredit Bank AG, Global MIS based on an integrated CFO Data Warehouse

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Raiffeisen Bank International AG, Setup of integrated financial management architecture

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Total bank management

See the big picture. And shape it with the best possible management.

Get a better overview of regulatory and market changes — we will help you obtain the necessary clarity. We strive for the greatest possible transparency with regard to all relevant income and risk parameters. zeb can support you in handling all financial and risk management issues that are of relevance in this context. For this purpose, we use either simple and pragmatic standard solutions based on the applicable group requirements and/or data center instruments, or individual solutions, which are customized variations developed from these standards. We offer you our help for planning and simulation processes, reporting solutions, regulatory topics and treasury and risk management solutions. Our competent and experienced consultants have extensive expert knowledge with regard to the German Savings Banks Association (DSGV) and FI, the IT services provider of the Savings Banks Finance Group, as well as regarding the central organization of the Cooperative Financial Network, the BVR, the IT specialist Fiducia and the network’s IT, data center and software provider, GAD. We take on the role of a partner for the management and the operational responsibility for all issues related to financial and risk management and we provide you with solutions for total bank management-related and strategic requirements and with flexible approaches for addressing all issues related to results and risk management. Moreover, we have developed a simulation based on zeb.total.bank.simulation, to allow precise forecasting of the effects of regulatory and market changes on the key target parameters of the total bank. We are a certified partner for the implementation of the FI Management Cockpit. And in terms of results and risk management, the implementation of group solutions and the development of individually customized versions of solutions are both part of our service offer. But there is still more to discover in our extensive service portfolio. You can also rely on our comprehensive know-how regarding all issues related to regulatory topics, processes and IT. Our goal for total bank management projects is the same goal that we strive for in all our projects: a convincing overall result!


Your contact person
Stefan Kaufmann | Partner
Phone: 
+49-251-97128-143
Email: 
skaufmann [at] zeb [dot] de
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Sparkasse KölnBonn, Programme Target 2014 – Strategic reorientation

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Finanz Informatik, SAP Bank Analyzer cooperation

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Regulatory management

Well-prepared for all requirements.

In the financial services sector, rules are indeed no exception. Legislators and supervisory authorities react to the ever changing situation on the financial markets with a series of new regulations. In the wake of the recent financial market crisis, the regulatory framework Basel II extended and amended by the reform package Basel III and a variety of further regulatory initiatives were put under way, e.g. the banking union, the separate banking system and the EMIR. These developments have a significant impact on the business policies of banks. Their success depends on how the new requirements can be implemented into all financial and risk management processes. The aim is an integrated capital, risk and liquidity management. zeb is your competent contact for all regulatory issues. We can outline the impact on your methods processes and data processing systems, make contact with the economic steering committee and support you in successfully making all necessary adjustments in your institution. zeb stands for excellent business knowledge as well as outstanding IT expertise. Thanks to this combination, we can offer you a service package that is perfectly tailored to your needs. And on top of this, we can also support you with the successful implementation of the best IT solutions for all regulatory and bank management-relevant requirements. Benefit from zeb’s comprehensive range of services: It covers everything from individual trainings and coachings to prestudies, impact analyses and the support of large-scale projects over many years. Put your requirements in our capable hands — we will be happy to support you.


Your contact person
Christian Schiele | Partner
Phone: 
+49-251-97128-398
Email: 
cschiele [at] zeb [dot] de
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Sven Krämer | Partner
Phone: 
+49-251-97128-385
Email: 
skraemer [at] zeb [dot] de
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Regulatory services

Regulation put in order.

Regulatory services — at zeb, this also means: We make independent, competent service provision the norm. For this purpose, we offer a variety of services in relation to risk, compliance and legal topics. For example, we provide qualified solutions for advisory and outsourcing services for the risk management, compliance and legal departments of small and medium-sized financial services providers. We are happy to develop a sustainable risk and compliance framework structure for you and to support you in the implementation process. With this framework structure you also receive guidelines, instructions and processes for handling risks and regulatory requirements. In addition, we can also support you with advising and training your managerial staff regarding all relevant risk management and compliance topics, with making applications to supervisory authorities and with handling ICAAP (Internal Capital Adequacy Assessment Process) and comparable processes such as self assessments. Our service portfolio furthermore comprises the identification, assessment and (if necessary) reporting of relevant risk exposures of your company. In this context, we guarantee an independent risk reporting to the management board and managerial staff. Furthermore, we alert you about risks that could arise as a consequence of a non-compliance with regulatory requirements and make sure that new products and processes of your institution are in keeping with current legislation. Benefit from our extensive know-how and let us prove that all our services serve one final purpose: your satisfaction. 


Your contact person
Jonas Schödin | Partner
Phone: 
+46-86705-974
Email: 
jonas [dot] schodin [at] zeb [dot] se
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Accounting

Team play for your annual accounts

Since the financial market crisis, a multitude of new regulations has brought about new requirements for the world of accounting, leading to increasingly complex, but also increasingly precise accounting methods. The new requirements necessitate a stronger integration of accounting into the financial functions of a bank.

An in-depth and comprehensive understanding of bank and accounting processes is indispensable to master these challenges—and it is exactly what zeb’s experts can offer you. Our accounting reference model covers all business-related, procedural and technical implementation needs:

  • Governance
  • Categorization & valuation
  • Hedge accounting
  • Impairment
  • Multi-GAAP
  • FINREP/COREP
  • Balance sheet, P&L statement and notes
  • Reconciliation
  • Consolidation
  • IFRS 9
  • Other topics (FX, insurance contracts, leasing, ...)
  • Accounting operations

Moreover, zeb’s SAP team can offer combined business and technical expertise for the implementation of SAP accounting solutions into integrated finance and risk architectures. As a competent partner, we support you with the customizing process, the implementation of products from the SAP product family, e.g. NewGL or AFI, and with the program management of large-scale projects.

In addition, we have developed a modular and highly flexible IT solution—our zeb.control accounting product range—which covers all accounting-specific issues from categorization to booking.

Benefit from our comprehensive range of services from a single source: we offer all aspects from an integrative business perspective and process support to the technical implementation on various platforms. Solving your accounting issues with support from thought to action—that is what the team of zeb can offer you.



Your contact person
Dr. Thomas Hartschuh | Partner
Phone: 
+49-69-719153-444
Email: 
thartschuh [at] zeb [dot] de
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