Restructuring, merger & operating model

All set for customers and competition: giving organizational structures and processes a competitive edge.

Your Contact Person

Horst Kleinlein | Director
Theresienhöhe 13a
80339 München
Germany
Germany

Thanks to our extensive expertise with regard to restructuring and the modification and enhancement of operating models, we can help you achieve a significant improvement of your performance and results. Our formula for success relies on structured process models, proven analytical methods and tools, well-founded benchmarks and innovative approaches for strategy, process and organizational development. We support our clients with their restructuring plans, with creating efficient governance structures and with the end-to-end optimization and efficiency enhancement of bank and insurance-specific operational processes. Furthermore, we can help you with the optimization of sourcing strategies, the enhancement of trade processing platforms in transaction banking, with lending business and investment banking issues and regarding the selection and implementation of core banking systems. And last but not least, zeb is your perfect partner for the strategic preparation, conceptual design and execution of merger and integration processes. Put our consulting services to the test — we will show you that every change provides an opportunity.


Our Services

Merger and integration management

Growing together and prospering together.

“Think big” — a motto that also applies in the financial industry. As strategic options for financial services providers, mergers and acquisitions of participations have always been important elements of corporate development and growth. On the one hand, they allow a direct increase of market shares, and on the other hand, they promise profitable income and cost synergies. However, the difficulties are often underestimated: merger and acquisition processes are complex and time-consuming. They cause integration costs and necessitate a common business strategy that needs to be developed in advance. Moreover, professional support is required in order to ensure that the different corporate structures and cultures are merged effectively during the transition period. zeb is the perfect partner for your growth ambitions. We can offer comprehensive expertise regarding the support of merger and integration processes and are the market leader for supporting mergers between medium-sized credit institutions in Germany. You can profit from our long-standing experience during all stages of the process. We carry out a holistic assessment of the added value of mergers, provide competent support for all merger and integration processes and finally assist you with the post-merger integration. We are happy to offer you our know-how on merger and integration management for all stages of your project — and beyond.


Your contact person

Restructuring and cost management

Remeasuring your success.

In order to get on the road to success — or to stay on it from the start — you need to set the right course and adjust it as necessary from time to time.

A restructuring of individual segments or of the entire company aims at a sustainable efficiency increase and long-term business success.

To achieve these objectives at full speed, it is often necessary to make significant changes to the value chain and to redefine the scope of the required capacities. Thus, restructuring measures are very challenging projects and are perceived as very significant, internally as well as externally.

zeb can offer long-standing project experience with regard to restructuring, cost optimization and productivity enhancement. We support numerous renowned companies in focusing on their core business, working with proven methods and reference models. Value orientation and sustainability are two cornerstones we build on.

In order to become a driver for your success, we offer a wide range of services. This comprises, for example, a comprehensive turnaround management including analyses of the market and financial key figures and the definition of the ambition level. Furthermore, it comprises a professional cost management for optimizing material and personnel costs and, last but not least, an implementation management which contributes to ensuring sustainability, for example by tracking the applied measures and main key figures.


Your contact person
Michael Herkert | Partner
Phone: 
+49-89-543433-354
Email: 
mherkert [at] zeb [dot] de
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Deutsche Postbank AG, „Postbank4Future“ Programme

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ZAO Raiffeisenbank, Regional diagnostics

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Sourcing & shared services

Our advice: delegate tasks.

Everything from a single source? Better: hand in hand with expert sources!

Due to the increasing competitive pressure and the high volatility in the money and capital markets, many financial services providers revert to focusing more on their core business.

This way, they profit from cost advantages of specialized providers and keep one part of their costs flexible, while reducing the complexity of their own business model at the same time.

Hence, it is indeed possible to profit from delegating. However, sourcing also involves a number of challenges: for example, an institution-specific definition of the appropriate degree of vertical integration is important, especially with regard to back office, administrative and central support functions. When outsourcing services to external providers, it is important to find the right provider and to manage it effectively.

Moreover, service providers have to meet the growing expectations towards the range and quality of their service offer while also keeping sight of the efficiency of their service provision.

zeb advises credit institutions with regard to the definition and implementation of an adequate sourcing strategy. We support the transfer of services to already existing external providers as well as the foundation of required service providers and shared service centers. In addition, we operationalize the cooperation between credit institutions.

You as a financial services provider can profit from our expertise. Let zeb provide you with strong support for the optimization of your operational and sales excellence.


Your contact person

Operational excellence & process management

Measure us by the result.

The road to success is never easy. And in the financial services sector, it is particularly complex, because nowadays, an outstanding business development depends on a multitude of factors. Financial services providers have to adapt continuously: to new regulatory frameworks, changing customer needs, the dynamic competitive environment and the increasing volatility of economic cycles. The performance of your business model depends decisively on the efficiency and flexibility of the underlying operating models. As a competent partner, zeb supports you with teams of experienced consultants throughout the process of developing and carrying out an operational excellence program. We align your service offer based on value-adding activities, develop sustainably efficient processes and work flows and establish a process management that is oriented towards quality and efficiency. The service portfolio of zeb offers you a balanced combination of lean management, program management, quality management and quality assurance as well as team excellence measures and redesigning of business processes. We at zeb work with passion and motivation to pave your road to success with noticeable improvements. 


Your contact person
Dr. André Ehlerding | Director
Phone: 
+49-30-473753-105
Email: 
aehlerding [at] zeb [dot] de
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BMW Financial Services, PRO-FILE quality assurance

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Core banking systems

Your performance update.

The question of HOW your business is running is closely linked to the question of WHAT your business is running. In fact, most banks still work with out-dated and complex IT systems. These are cost-intensive and cannot fully cope with the challenges of modern banking. Thus, more and more financial services providers intend to replace these systems and establish modern IT standards. This enables them to profit from economies of scale and an enhanced performance. However, the selection and subsequent implementation of suitable software is a complex undertaking that should be prepared carefully and implemented systematically. Over the years, zeb has successfully supported many such selection and implementation projects. Thus, our consultants can look back on the experience that is needed to provide you with strong support throughout the complex decision-making, planning and implementation processes. At zeb, we are at home on the business as well as the IT side— a fact that allows us to stay on top of matters and to act in a balanced and purposeful manner. Moreover, we are familiar with all relevant core banking solutions and their providers. Our service portfolio covers everything from the analysis of possible measures concerning the IT strategy to the selection of the best solution. Last but not least, we offer you comprehensive support with the implementation of the systems across all business and IT processes. Profit from zeb’s in-depth industry knowledge. Our structured approach allows a systematic completion of all steps involved in a complex migration. Or in simpler terms: We make sure that for you, things will be running smoothly again.


Your contact person
Dr. Jens Eickbusch | Partner
Phone: 
+49-251-97128-171
Email: 
jeickbusch [at] zeb [dot] de
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Capital markets and securities operations

Smart moves in the securities business.

The turmoil caused by the financial market crisis has also shaken the capital markets severely. Substantial structural changes took place, entailing far-reaching consequences for banks and service providers involved in the capital markets. For instance, customer behavior changed fundamentally and new regulatory requirements such as MiFID and EMIR were adopted. These are developments that pose a risk of a drastic erosion of income sources in the securities business and threaten the future viability of established business models. Rebuild your services offer on firm ground: Adapt business and operating models to reduce costs. Increase your flexibility with regard to the implementation of regulatory requirements. And leverage new income potentials. All with a strong partner by your side: zeb. We can offer comprehensive expertise regarding the elaboration of business models, the development and implementation of operating models and the design of concepts for value creation and production strategies in the field of capital markets and securities operations. Benefit from our extensive experience — zeb supports numerous renowned financial services providers based on proven methods and reference models. Together, we will make your business future-proof.


Your contact person
Horst Kleinlein | Director
Phone: 
+49-89-543433-210
Email: 
hkleinlein [at] zeb [dot] de
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Wüstenrot & Württembergische AG, Implementing the European Market Infrastructure Regulation (EMIR)

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Union Investment Institutional GmbH, Growth opportunities in institutional business through clearly defined positioning

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Credit Operations

High quality, short processing times and low costs: optimized end-to-end credit processes make it possible.

The pressure on the credit business as a core product and main source of income of the banking industry is steadily increasing. More price-sensitive customers, intermediary platforms that offer comparisons and new shadow banks and digital competitors that enter the market—these are factors that have changed the traditional credit business significantly over the past years. At the same time, not only the demand declines but also the margins, as a consequence of the current low interest rate level, while regulatory requirements necessitate costly adjustments to the structural and operational organization.

zeb is your competent partner for the development, implementation and long-term continuation of end-to-end credit processes. We are experienced with the development of an integrated risk strategy, compliance with regulatory requirements (CRR, IRBA, MaRisk, etc.), the setup and configuration of the Pfandbrief business and the optimization of credit factories, and we are familiar with the product specifics of a wide variety of types of loans. Let your management segment, your sales, your division or your department stand out thanks to highly professional and efficient credit processing.

Profit from our wealth of experience covering different types of institutions, IT systems, governance structures and competence systems and let us customize best practices for your institution. This wide range of experience and comprehensive market knowledge as well as extensive benchmarking and subject experts with decades of practical experience make it possible for us to offer you a holistic and customizable solution approach from a single source, in order to achieve a sustainable enhancement of your performance and results with combined efforts.

Let’s tackle the optimization of your credit business processes together and implement changes in your institution that will ensure sustainable added value! Try our consulting offer—we will show you that every change can be turned into a seized opportunity.


Your contact person
Natalie Schneider | Partner
Phone: 
+49-731-93291-166
Email: 
nschneider [at] zeb [dot] de
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