Big data: Potentials from a risk management perspective
Every day relevant news and in-depth analyses about current banking topics by our zeb experts.Terabytes, petabytes and exabytes—the amount of data that companies and financial services providers have is growing exponentially.
MiFID II — Regulatory requirements have a major impact on the securities business model of banks
Every day relevant news and in-depth analyses about current banking topics by our zeb experts.Due to extensive auditing, documentation and reporting duties, the implementation of the MiFID II requirements will lead to an increase in complexity and costs—as experienced before in the wake of other regulatory initiatives.
Crowdfunding – An overview
Financing through crowdfunding while evading risk assessors of banks has become an increasingly popular phenomenon in the past years
Prudent valuation: Caution when valuating financial instruments!
With the publication of the final draft of the Regulatory Technical Standards on Prudent Valuation (EBA/RTS/2014/06) on March 31, 2014, the final regulations for the calculation of the “additional value adjustments” (AVA) for financial instruments recognized at fair value have been determined.
Integrated scenario-based management of specialized funds
An enhancement of operational and strategic interest rate book and bank-wide management
Déjà-vu: Negative Interest Rates
As of today, the ECB is entering unchartered territory after having lowered the overnight deposit rate to -0.1%. This is what it means for relative value / arbitrage opportunities.
Advising customers personally and securely on the web — co-browsing forges ahead
The latest technological trends are considerably changing the usage behavior of bank customers. At heart, the issue is how banks and insurance companies should focus their advisory and sales services in future. The study Die Bank der Zukunft aus der Sicht der Digital Natives (The bank of tomorrow from the perspective of digital natives) prepared by the University of Hohenheim gives a surprising answer to the much discussed question of how banks should position themselves with regard to customer contacts and advisory service
Killing banks softly – Deflation is coming!
One of my favorite charts is showing the decoupling of the long-term risk-free interest rate in the U.S. versus the one in Europe (Graph 1). Until about half a year ago, rates moved in lockstep – then suddenly, U.S. rates pushed higher, while German Bond yields remained low. What happened was that the US dodged the bullet of deflation after the Fed’s massive quantitative easing program finally having gained traction. U.S. employment is picking up again and economic growth is moving higher. However, Europe, for the better part, remains plagued by mass-unemployment and low growth, with the economy on the brink of deflation.
Successful Program Management — What matters for PMO
The combination of regulatory requirements, which have expanded for years, and the continuing low interest-rate phase is putting European financial institutions under an enormous pressure to adapt.
Finance 2.0 — the conference on next-generation financial service providers
On May 21, 2014, the Finance 2.0 conference held in Zurich was again attended by bankers as well as Swiss and German FinTechs to discuss current developments in the digitalization of financial services. Here are the most important trends and discussions of the day.
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