Strategy & business model

Your aims are our driving force: using strategic options and optimizing business models.

Your Contact Person

Axel Oliver Sarnitz | Partner
Taunusanlage 19
6035 Frankfurt am Main
Germany
Germany

experience. The project tasks we work on are very diverse. To name just a few examples, we might help a business achieve a new market position or support it with leveraging potentials, e.g. by means of pricing strategies or an adjustment of its sales processes. In the same way, we are happy to let our highly qualified consultants support you with organizational restructuring projects and the multi-channel integration of sales channels based on our long-standing experience in these fields. A broad know-how regarding practice-oriented sales trainings and leadership coachings complete our comprehensive service portfolio. Whatever challenges you may have to face in the future — choosing zeb means choosing a successful solution.


Our Services

Retail banking

Don’t put new challenges on the waiting list.

Regulatory changes, demographic change, the big topic “digitalization” — the future of the retail banking business holds many new challenges. We put you in the right position to meet them: together with you, we review the established business models and modify them to suit the new framework conditions.

In order to stay afloat in this environment, sound detailed knowledge and a strategic perspective are required. Based on our long-standing expertise in the retail banking business, we offer you close support for challenges such as taking further steps towards digitalization, establishing new service and support commitments or developing competitive offers at the right price.

Our services are built on a very good understanding of retail customers and their behavior as well as on a profound knowledge of the market and the competition structures.

On this basis, we can give you decisive impetus for the advisory services you offer to your customers, which continue to play an important role, while also keeping sight of current general trends.


Your contact person
Ulrich Hoyer | Partner
Phone: 
+49-89-543433-200
Email: 
uhoyer [at] zeb [dot] de
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zeb.study

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Banca dello Stato del Cantone Ticino, Implementing the sales strategy “FocusVendita 2014 – Vincere insieme!”

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Postbank Finanzberatung AG, From efficiency improvement to the “2016 Build the Future” growth programme

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Bundesverband deutscher Banken, Strategic realignment

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Stadtsparkasse München, Improving returns from retail banking

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Private banking and wealth management

Seize opportunities - and keep hold of them.

First the good news: global wealth continues to grow. New opportunities to invest private assets profitably are arising all around the world. However, private banking and wealth management do not necessarily profit from this development.

The financial crisis severely damaged customer trust and the regulatory requirements have become significantly more complex. In addition, the pressure on margins is high, customers demand ever more simplified products and due to the continuing low interest phase, the asset prices are in the middle of inflation.

In short: there are many challenges to be overcome in order to secure and grow wealth sustainably.

As a service provider in the private banking and wealth management sector, you therefore need to evolve and adapt perpetually. It is the only way to stay competitive and to secure your market position in this demanding environment.

zeb is your competent partner on this journey. For many years, we have been supporting market-leading providers in their ongoing transformation with services in the fields of strategy/business models, market analysis and sales optimization.

In this partnership, our clients especially benefit from our comprehensive expertise and our in-depth knowledge of the market.

zeb’s service portfolio covers everything from product, pricing and processing strategies to implementation, process optimization and tool support. Moreover, we can support you with regard to regulatory assessments, impact analyses and client management reporting.

We are happy to offer the full range of our know-how in order to enable you to stay successful in the private banking and wealth management business in the future.


Your contact person
Axel Oliver Sarnitz | Partner
Phone: 
+49-69-719153-489
Email: 
asarnitz [at] zeb [dot] de
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Baden-Württembergische Bank, Strategie Wealth Management

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DZ PRIVATBANK, Private banking market initiative – strategy confirmed by pilot tests

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Corporate client business

Full steam ahead for your corporate client business.

Looking at the income and profit situation of credit institutions, it can be observed that the corporate client business is becoming more and more important. You can profit, too — we support you with defining the best sales strategy, developing segment-specific sales and organization concepts and applying these systematically in your daily sales activities. Our approach takes the specific structures of your institution into account in order to identify your potentials in the corporate client segment as exactly as possible and to leverage them in the most efficient way. Together with you, we analyze your strategic status quo, from which we can derive the necessary measures and fields of action. We classify your existing customer base, identify your target customers by analyzing potentials and develop concepts for acquiring new customers. Furthermore, we develop new products and optimize your existing products in order to create a segment-specific product portfolio. The optimization of sales channels, aimed at ensuring a future-oriented alignment and a more efficient customer support, constitutes another challenge to be met. Discover with us the opportunities that the corporate client business holds for you. We support you with our wide-ranging expertise — all the way from the initial idea to the final application in your everyday work.


Your contact person
Dr. Jens Sträter | Partner
Phone: 
+49-40-303740-120
Email: 
jstraeter [at] zeb [dot] de
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Rheinischer Sparkassen- und Giroverband, Price management for business clients

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Real estate banking & building societies

The foundations of your success.

The real estate business is not always built on solid ground. The most recent occasion to cause a stir was the tightening of the regulations for the banking industry in reaction to the financial and economic crisis. Since then, the market environment for real estate banks has changed significantly and traditional business strategies are being questioned throughout the industry. Two factors are particularly important to the decision-makers: Firstly, unsecured financing methods remain expensive and volatile, and despite the recent development towards stabilization, this will not change in the foreseeable future. And secondly, new regulations such as the planned leverage ratio, the bail-in directive and the increased equity requirements have a strong negative impact on lending activities in the real estate banking business. This status quo forces real estate banks to break new ground with regard to risk assets and refinancing. In addition, they offer products for financing second lien debt. The banks’ growing reluctance is bringing new competitors to the scene: insurance companies as well as credit or debt funds are entering this business segment. All these changes in the market environment present real estate banks with great challenges. Throughout the industry, business strategies are being put to the test regarding their bearing capacity, innovative approaches are being applied to leverage further market potentials and optimized management and reporting models are being used. zeb as a partner for change is familiar with the challenges of the real estate banking business and can draw on its extensive experience regarding the development and implementation of measures addressing these current topics. We look forward to supporting the transformation processes in your company, too.


Your contact person
Thomas O. Klimpke | Partner
Phone: 
+49-69-719153-451
Email: 
tklimpke [at] zeb [dot] de
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Digitalization in the financial services sector

Digital is a journey, not a destination.

The countdown for the digital future has started — and time is flying! Digitalization has reached all aspects of our lives and also has long-lasting effects on business models. With their immaterial products and offers, financial services providers are particularly affected by this. For example, many services are now also being offered by non-banks. Thus, the financial services industry needs to prepare not only for a new form of interaction with customers, but also for many new competitors. These fundamental changes also require a “refresh” in the decision-makers’ way of thinking. We at zeb are your partner in this process and support the digital transformation of your business and operating models. In terms of strategy, we focus mainly on your positioning in the field of competition and the value creation for customers. With regard to operational aspects, a consistent customer communication across channels needs to be established and personal sales channels such as branch offices and field sales services have to be integrated into the omni-channel environment. Moreover, internal processes need to be adjusted to the digital interaction, and IT facilities have to be used in a way that allows for customer needs to be clearly identified and met in the best possible way. Thanks to our highly specialized employees, who have gained extensive experience in numerous projects, we have what it takes to tackle these challenges. With our range of services, we are ideally positioned to provide strong support for the transformation of your business and the necessary transformation of your corporate culture towards an “enterprise 2.0” culture, which is characterized by networking, transparency and collaboration.


Your contact person
Horst Kleinlein | Director
Phone: 
+49-89-543433-210
Email: 
hkleinlein [at] zeb [dot] de
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Mathias Gans | Senior Manager
Phone: 
+49-30-473753-126
Email: 
mgans [at] zeb [dot] de
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Aduno Group, Systemizing and activating online sales

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Landesbank Berlin AG/Berliner Sparkasse, Corporate Client Future Workshop

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