Companies that are successful in today's financial services markets are the ones that concentrate fully on their core competences. Pooling resources into larger units such as transaction banks (central administration/securities settlement, as well as account, savings and loan processing) and other financial service providers (e.g. IT, procurement and call center) enables significant cost reductions and quality improvements through economies of scale and specialization effects. One central challenge for financial service providers is a critical appraisal of their own real net output ratio in order to continue operating profitably in the market. zeb/ supports you in determining a suitable cooperation or outsourcing strategy for your business model and thereby makes a considerable contribution to the achievement of your target income distribution and cost-income ratio.
Based on our extensive expertise in the development of effective business models and our knowledge of the transaction banking/ financial services market, we ascertain the optimum real net output ratio for you along the entire value chain. We help you to focus on retail banking and bank management operations, and quantify the earnings potential associated with pooling or outsourcing activities. In our experience, these are between 0.10% and 0.25% of average net income, depending on the bank. We also enable you to take prompt action so that you can proactively influence locations, workplaces, structures and prices.
Our project approach:
- We select the relevant core processes in conjunction with you and prepare guidelines for cooperation and outsourcing options.
- Then we perform a qualitative analysis (SWOT analysis) and a quantitative evaluation (business case) on each option and support you in establishing the most appropriate strategic direction to take.
- Then we develop a transparent and implementable schedule of measures in collaboration with your bank.
- We are happy to provide you with management and functional support in the implementation of these measures.