zeb/ – your partner in stormy times

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Though rather neglected in the past, the supply of sufficient liquidity now is the critical success factor. In this context, the first step is to ensure operative solvency. Subsequently, suitable funding strategies are to guarantee structural liquidity at a reasonable cost. zeb/ offers banks and financial service providers comprehensive support in the establishment, review and development of existing liquidity management systems. This includes, in particular, the preparation of adequate funding and planning strategies, the pricing of liquidity costs, the evaluation of measures/instruments for raising liquidity, the introduction and further development of risk models as well as the technical implementation of liquidity management. zeb/ makes liquidity management crisis-proof and sustainable – through innovative ideas.

Ensuring risk-bearing capacity – an objective that is difficult to achieve when all of a sudden risk are re-assessed. The changed market environment requires many banks to optimise their risk profile and to strengthen their capital base (risk coverage capital). The measures envisaged are to be evaluated with a view to their effect on equity, internal capital (ICAAP) and the profit and loss account. For example, the current financial crisis highlights the need for adequately taking into account spread, real estate, securitisation and macro-economic risks in risk management. Moreover, risk-bearing capacity is to be integrated into the planning process and has to be safeguarded through a complete limit system at the level of the entire group and individual banks. zeb/ can provide support not only in the evaluation and implementation of measures, but also in the further development of risk management – since zeb/ offers the entire range of services required.

To stabilise the earnings situation, measures designed to generate additional earnings and to reduce costs need to be taken as fast as possible. In a pragmatic approach, this can be achieved through focused ad-hoc sales measures and the determined identification and exploitation of existing potentials for cost savings. zeb/ is familiar with the banking business and therefore also knows efficient sales concepts as well as classic causes and levers for costs. The watchword is taking fast and efficient action – with our support.