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Financial services

Financial services companies around the world are facing major challenges. Competition is growing, regulation becoming tighter and markets more volatile. We support our clients in all segments of the financial services industry in developing creative strategies, finding innovative solutions to reach the goals and implementing the strategies.

In brief

The financial services sector is facing significant challenges. Competitive intensity is increasing, capital markets are becoming more volatile and overall profitability is shrinking. Added to this, governments are intervening to ensure the ongoing stability of the financial system. New regulatory requirements have emerged – Basel III and Solvency II, in particular. Customers are also increasingly sensitive to price and cost, while at the same time demanding higher quality and better service.

To face these challenges, financial services companies need to review their strategies and business models. We offer various services that help financial services companies in their efforts to realign for the future. We support our clients to revise and adjust their strategies, optimize their distribution channels, reduce the complexity of their organizational structure, processes and IT landscape, and conduct risk management programs.

We work with the leading financial services companies on a wide range of issues. Our knowledge and comprehensive industry experience allow us to help our clients find the right strategy and implement it.

We have a broad international network international network of 300 financial services experts. This network guarantees worldwide expertise combined with a local presence.

We provide top management consulting services for all sectors of the financial services industry – major banks in the wholesale, retail and investment business, asset and wealth managers, insurance companies, brokerage firms, credit card companies, payments services providers and other financial services companies.

our expertise

To develop the best solutions for our clients, we have bundled our expertise in seven segments.

Emerging Markets

Further reading

think: act CONTENT "Wealth management for entrepreneurs"

Wealth management for entrepreneurs

think: act CONTENT, 2013

Although entrepreneurs are a promising client base for wealth management, few banks have succeeded in winning over their corporate clients as private banking clients as well … >>

think: act CONTENT "Restoring profitability in life insurance"

Restoring profitability in life insurance

think: act CONTENT, 2013

Profitability within the life insurance sector has been weakening for several years. A three-fold hit – first the financial crisis, then dropping interest rates and now sovereign debt unrest – has made it difficult for life insurance companies to turn a profit … >>

think: act CONTENT "Risk management"

Risk Management

think: act CONTENT, 2013

Banks operate in an increasingly complex world. Risk management will become the key enabler for sustainable earnings … >>

think: act CONTENT "Lean Management in the financial sector"

Lean management in the financial sector

think: act CONTENT, 2013

Lean Management comes from the industry, but proves itself in the financial sector. Both the bank and its clients benefit from more efficient processes. Commitment from all of the teams is the key to success … >>

think: act CONTENT "Client Centricity"

Client centricity in retail banking

think: act CONTENT, 2012

Client centricity and retail banking are not incompatible. Know what moves your clients and you will win new ones. You will also make existing clients more profitable … >>

think: act CONTENT "Multichannel Management"

Multichannel management

think: act CONTENT, 2012

Multichannel management meets the needs of the new generation of wealth management clients. Personal, face-to-face advice is still the most important sales channel. Yet tomorrow's clients already take the mobile internet for granted today … >>

think: act CONTENT "Development banks must reinvent themselves"

Development banks must reinvent themselves

think: act CONTENT, 2012

Traditional lines of business for development banks are dwindling and sources of funding are running out. Yet change brings opportunities: New partnerships and extended business models facilitate additional revenue growth … >>

Investment Banking Outlook Fall/Winter 2012 – Tough choices

Investment Banking Outlook Fall/Winter 2012 – Tough choices

Study, 2012

Global investment banks have improved their performance over the past few months, but structural earnings problems persist … >>

think: act CONTENT "IT budgets in times of stricter financial market regulation"

IT budgets in times of stricter financial market regulation

think: act CONTENT, 2012

Traditionally many banks have taken care of their core applications in-house. For a long time, standard software was unable to map out the complex requirements … >>

think: act CONTENT "Green banking"

Green banking - Sustainable banking offers financial institutions high growth potential

think: act CONTENT, 2012

The market for green banking has strong growth potential, especially in Germany. At present, three million bank customers are taking advantage of green or social banking products … >>

International banking study

International Banking Study - "Collateralized trading business in new realities"

Study, 2012

The market for financial institutions has changed fundamentally. Increasing uncertainty and collapsing margins in conventional areas of business have led financial services providers to use collateralized trading for active liquidity management and an additional source of income … >>

think: act CONTENT "Kompositversicherungen"

Schadenkostenfitness: zurück zu alter Ertragskraft in der Komposit-Versicherung

think: act CONTENT (German only), 2012

Im Kompositbereich nehmen herkömmliche Sparprogramme oftmals nur die Produktivität und Betriebskosten unter die Lupe. Der ungleich größere Stellhebel befindet sich aber auf der Schadenkostenseite … >>

Asset management opportunities in new realities

Asset management opportunities in new realities

Study in cooperation with Ernst & Young, 2012

Roland Berger and Ernst & Young have jointly identified ten opportunities that promise sustainable growth and greater competitiveness for asset managers … >>

think: act CONTENT, 2012

Small and mid-size enterprises still serve as the backbone of the European economy. But as lending policies were made stricter in the wake of Basel III, banks have become a lot stingier with financing for SMEs … >>

Banking_Cost_Reduction

Cost Reduction in the European Banking Sector

Study, 2012

European banks are shifting from cost reduction to cost transformation, and in turn are facing a much more challenging environment. … >>

Investment Banking Outlook Summer 2012

Investment Banking Outlook Summer 2012

Study, 2012

The global investment banking industry faces major challenges. It recovered well in the first quarter of 2012, but euro and sovereign debt crisis in some European countries are casting shadows on its future … >>

Retail Banking in CEE

Retail Banking in CEE: Exploiting the Potential of the Micro Business Segment

Study in cooperation with Efma, 2012

This study compares how banks in Central and Eastern Europe (CEE) approach self employed and small private business customers, and identifies best practices … >>

think: act CONTENT "A world without agents?"

A world without agents?

think: act CONTENT, 2012

Imagine a world without insurance agents - It is hard to picture, but some in the European insurance market believe that maturing markets will negate the need for human contact to sell insurance products in coming years … >>

think: act CONTENT "Pricing in wealth management"

Pricing in wealth management

think: act CONTENT, 2012

Times in wealth management have been difficult since the recent developments in the financial markets. Many clients are unsettled and are taking a long, hard look at what services their wealth managers provide … >>

think: act CONTENT "Client-centric wealth management"

Client-centric wealth management

think: act CONTENT, 2012

Values, desires and ideals are just as important as age and wealth in shaping the behavior of well-heeled bank clients. Conventional approaches to client segmentation are not enough … >>

think: act CONTENT "Shared Service Centers"

Shared Service Centers for Insurers

think: act CONTENT, 2012

Insurers have a lot of catching up to do in the efficiency of their internal organization. This need is especially striking in the Shared Service Center (SSC) area … >>

think: act CONTENT "Corporate banking"

Renaissance of a classic: European corporate banking

think: act CONTENT, 2012

Corporate business is back in focus as a part of strategic realignment by European banks. Lasting success requires precise risk management and a strong refinancing capability. And new relationship management that is efficient, transparent, and international … >>

think: act CONTENT "Asset management in emerging markets"

Asset management in emerging markets

think: act CONTENT, 2012

Emerging markets around the world are showing themselves to be more than simply investment opportunities for asset managers … >>

Redefining asset management in new realities

Redefining asset management in new realities

Study, 2012

This global study explores the future development of asset management business models for both the retail and institutional investment segments in light of the new realities in financial markets and the asset management industry … >>

think: act CONTENT - Value Proposition

New rules in wealth management

think: act CONTENT, 2011

New rules in wealth management require a new form of banking. Providers must align value propositions to client needs and regain trust … >>

think: act CONTENT "Telematics in auto insurance"

Telematics could revolutionize auto insurance premiums

think: act CONTENT, 2011

Telematics is by no means a “self-starter” in auto insurance. The cost of the technology is just as much a potential hurdle as its operational complexity … >>

IInnovation in China's Financial Services industry

Innovation in China's Financial Services Industry

think: act STUDY, 2011

Chinese financial institutions need innovation to differentiate from and gain competitive advantage over peers … >>

Wealth management

Wealth management

think: act CONTENT, 2011

The increase in managed assets underlines the appeal of the industry – although market recovery is still fragile … >>

Delivering Financial Services in Sub-Saharan Africa

Delivering Financial Services in Sub-Saharan Africa

think: act CONTENT, 2011

Our new study shows that commercial banks can win millions of new customers in Africa by using integrated strategies for the mass market … >>

think: act CONTENT "New reality in banking"

"New reality" in banking

think: act CONTENT, 2011

Retail banking has reached a crossroad. After an unprecedented market panic followed by large-scale government bailouts and other support measures, banks face various challenges … >>

Banking with corporate customers

Banking with corporate customers

Study (in German), 2011

After the severe economic crisis, things are looking up for banks in Germany. This is because business with corporate customers is booming and offers gross revenue potential of over EUR 30 billion. … >>

After the crisis...?

After the crisis...?

Study, 2011

The credit crisis of 2008 profoundly reshaped the competitive environment, regulation and client behavior in the banking sector. … >>

Shared service and competence centers for insurers

Shared service and competence centers for insurers

Study, 2011

In the aftermath of the financial crisis – with expected regulatory changes, difficult market environments and shrinking profits – European insurance companies have different levers to react. … >>

Banking in Africa – the way forward

Banking in Africa – the way forward

think: act CONTENT, 2011

If African countries south of the Sahara are to realize their growth potential, the financial sector must be radically reformed … >>

Online Reputation Management

Online Reputation Management

think: act CONTENT, 2011

Harsh online comments about insurance companies from their customers are not a crisis situation … >>

Well-engineered regulation

Basel III – Well-engineered regulation?

think: act CONTENT, 2011

Higher equity capital requirements, unyielding liquidity standards – Basel III is intervening in banks' very business models … >>

Think your bank can maintain its liquidity even under extreme stress

Liquidity Management

think: act CONTENT, 2011

Banks managing liquidity is much like driving a car with defective lights in thick fog … >>

Our experts

Austria

Hendrik Bremer

Partner

Vienna, Austria
Phone: +43 1 53602-301
E-mail:

Bahrain

Doruk Acar

Principal

Manama, Bahrain
Phone: +973 17 567-950
E-mail:

Francesco Pavoni

Francesco Pavoni

Senior Partner

Manama, Bahrain
Phone: +973 17 567-950
E-mail:

Christian Wessels

Christian Wessels

Partner

Manama, Bahrain
Phone: +973 17 567-950
E-mail:

Belgium

Bruno Colmant

Partner

Brussels, Belgium
Phone: +32 2 66103-43
E-mail:

Kasper Peters

Principal

Brussels, Belgium
Phone: +32 2 6610-0
E-mail:

Gregoire Tondreau

Grégoire Tondreau

Principal

Brussels, Belgium
Phone: +32 2 66103-89
E-mail:

Brazil

Duarte Carvalho

Duarte Carvalho

Partner

São Paulo, Brazil
Phone: +55 11 3046-7111
E-mail:

António Farinha

António Farinha

Partner

São Paulo, Brazil
Phone: +55 11 3046-7111
E-mail:

Alexandre Gonçalves

Alexandre Gonçalves

Principal

São Paulo, Brazil
Phone: +55 11 3046-7111
E-mail:

Czech Republic

Constantin Kinský

Constantin Kinský

Partner

Prague, Czech Republic
Phone: +420 2 10 219 550
E-mail:

France

Cécile André

Partner

Paris, France
Phone: +33 1 53670-978
E-mail:

Christophe Angoulvant

Christophe Angoulvant

Senior Partner

Paris, France
Phone: +33 1 53670-984
E-mail:

Fabrice Asvazadourian

Fabrice Asvazadourian

Partner

Paris, France
Phone: +33 170394-275
E-mail:

Jérôme Barrué

Jérôme Barrué

Partner

Paris, France
Phone: +33 6 6172 4267
E-mail:

Cyril Gay Belan

Cyril Gay Belan

Partner

Paris, France
Phone: +33 1 53670-985
E-mail:

Stéphane Potier

Stéphane Potier

Partner

Paris, France
Phone: +33 1 53670-459
E-mail:

Pierre Reboul

Partner

Paris, France
Phone: +33 1 53670-325
E-mail:

Guillaume Chrun

Guillaume Chrun

Principal

Paris, France
Phone: +33 1 53670-388
E-mail:

Mathieu Sebastien

Mathieu Sébastien

Principal

Paris, France
Phone: +33 1 53670-961
E-mail:

Eric Sebbagh

Principal

Paris, France
Phone: +33 1 53670-457
E-mail:

Nicolas Taufflieb

Nicolas Taufflieb

Principal

Paris, France
Phone: +33 1 53670-980
E-mail:

Germany

Udo Bröskamp

Partner and Global Head of Financial Services

Frankfurt, Germany
Phone: +49 69 29924-6200
E-mail:

Holger Dümler

Partner

Frankfurt, Germany
Phone: +49 69 299 24-6511
E-mail:

Kiarash Fatehi

Partner

Stuttgart, Germany
Phone: +49 711 3275-7330
E-mail:

Ulrich Geuss

Partner

Düsseldorf, Germany
Phone: +49 211 4389 2263
E-mail:

Wolfgang Hach

Partner

Munich, Germany
Phone: +49 89 9230-8724
E-mail:

Frank Heideloff

Frank Heideloff

Partner

Hamburg, Germany
Phone: +49 40 37631-4448
E-mail:

Klaus Juchem

Partner

Frankfurt, Germany
Phone: +49 69 29924-6323
E-mail:

Burkhard Oppenberg

Burkhard Oppenberg

Partner

Frankfurt, Germany
Phone: +49 69 29924-6395
E-mail:

Jürgen Thiele

Partner

Frankfurt, Germany
Phone: +49 69 299 24-6255
E-mail:

Stefan Wojahn

Partner

Hamburg, Germany
Phone: +49 40 37631-4331
E-mail:

Thorsten Dylla

Principal

Frankfurt, Germany
Phone: +49 69 29924-6151
E-mail:

René Fischer

Principal

Frankfurt, Germany
Phone: +49 69 29924-6587
E-mail:

Matthias Hübner

Matthias Hübner

Principal

Munich, Germany
Phone: +49 89 9230-8910
E-mail:

Dominik Löber

Principal

Frankfurt, Germany
Phone: +49 69 29924-6105
E-mail:

André Wenske

Principal

Frankfurt, Germany
Phone: +49 69 299246-186
E-mail:

Gokhan Ozturk

Gökhan Özturk

Principal

Frankfurt, Germany
Phone: +49 69 29924-6109
E-mail:

Greater China

Yan Kang

Partner

Beijing, Greater China
Phone: +86 10 84400088-668
E-mail:

Alain le Couédic

Alain Le Couédic

Partner

Hong Kong, Greater China
Phone: +852 3757 9488
E-mail:

Yi Peng

Partner

Beijing, Greater China
Phone: +86 10 84400088-659
E-mail:

Damien Ko

Partner

Hong Kong, Greater China
Phone: +852 9866 8490
E-mail:

Jennifer Wilson

Jennifer Wilson

Principal

Hong Kong, Greater China
Phone: +852 3757 9480
E-mail:

Hungary

Frigyes Schannen

Frigyes Schannen

Principal

Budapest, Hungary
Phone: +36 1 30170-77
E-mail:

Italy

Edoardo Demarchi

Edoardo Demarchi

Partner

Milan, Italy
Phone: +39 02 29501-218
E-mail:

Maxime Charbonnel

Maxime Charbonnel

Principal

Milan, Italy
Phone: +39 02 29501-227
E-mail:

Andrea Airoldi

Partner

Milan, Italy
Phone: +39 02 29501 291
E-mail:

Egidio Calegari

Egidio Calegari

Principal

Milan, Italy
Phone: +39 02 29501
E-mail:

Edoardo Riccio

Principal

Milan, Italy
Phone: +39 02 29501-1
E-mail:

Japan

Martin Tonko

Partner

Tokyo, Japan
Phone: +81 3 35876-660
E-mail:

Hisaji Yoneda

Partner

Tokyo, Japan
Phone: +81 3 35876-660
E-mail:

Takashi Watanabe

Takashi Watanabe

Principal

Tokyo, Japan
Phone: +81 3 358 76-660
E-mail:

Korea

Huntaek Jung

Principal

Seoul, Korea
Phone: +82 2 2010 8926
E-mail:

Sangdo Lee

Principal

Seoul, Korea
Phone: +82 2 2010 8925
E-mail:

Sukgeun Lee

Managing Partner

Seoul, Korea
Phone: +82 2 2010 8924
E-mail:

Seogin Shin

Director

Seoul, Korea
Phone: +82 2 2010 8925
E-mail:

Martin Tonko

Partner

Seoul, Korea
Phone: +82 2 738-6100
E-mail:

Netherlands

Tijo J. G. Collot d'Escury

Tijo J. G. Collot d'Escury

Partner and Member of the Executive Committee

Amsterdam, Netherlands
Phone: +31 20 7960-600
E-mail:

Mark de Jonge

Partner

Amsterdam, Netherlands
Phone: +31 20 7960-600
E-mail:

Nigeria

Christian Wessels

Christian Wessels

Partner

Lagos, Nigeria
Phone: +23 481 5268 8826
E-mail:

Portugal

António Bernardo

António Bernardo

Partner and Member of the Supervisory Board

Lisbon, Portugal
Phone: +351 21 3567-601
E-mail:

Jorge Alcobia

Partner

Lisbon, Portugal
Phone: +351 21 3567-600
E-mail:

Principal

Lisbon, Portugal
Phone: +351 21 356760-0
E-mail:

Romania

Codrut Pascu

Partner

Bucharest, Romania
Phone: +40 21 30605-00
E-mail:

Russia

Dmitri Zaitsev

Partner

Moscow, Russia
Phone: +7 495 287 92 46
E-mail:

Southeast Asia

Markus Böhme

Partner

Singapore, Southeast Asia
Phone: +65 6597 4548
E-mail:

Philippe Chassat

Philippe Chassat

Partner

Singapore, Southeast Asia
Phone: +65 6597 4545
E-mail:

Thomas Klotz

Managing Partner

Singapore, Southeast Asia
Phone: +65 6597 4566
E-mail:

Spain

António Bernardo

António Bernardo

Partner and Member of the Supervisory Board

Lisbon, Portugal
Phone: +351 21 3567-601
E-mail:

Ricardo Wehrhahn

Ricardo Wehrhahn

Partner

Madrid, Spain
Phone: +34 91 5647361
E-mail:

Carlos Perez

Partner

Madrid, Spain
Phone: +34 91 5647361
E-mail:

Switzerland

Olaf Toepfer

Partner

Zurich, Switzerland
Phone: +41 43 336-8660
E-mail:

Peppi Schnieper

Peppi Schnieper

Principal

Zurich, Switzerland
Phone: +41 43 336-8710
E-mail:

Marc Grüter

Principal

Zurich, Switzerland
Phone: +41 43 336-8730
E-mail:

Carina Schaurte

Carina Schaurte

Principal

Zurich, Switzerland
Phone: +41 43 336-8633
E-mail:

Fabian Sommerrock

Fabian Sommerrock

Principal

Zurich, Switzerland
Phone: +41 43 336-8704
E-mail:

Adrian Weber

Principal

Zurich, Switzerland
Phone: +41 43 336-8759
E-mail:

Turkey

Doruk Acar

Principal

Istanbul, Turkey
Phone: +90 212 358 6401
E-mail:

Francesco Pavoni

Francesco Pavoni

Senior Partner

Istanbul, Turkey
Phone: +90 212 358 6400
E-mail:

United Arab Emirates

Doruk Acar

Principal

Dubai, United Arab Emirates
Phone: +971 44 46 4080
E-mail:

Francesco Pavoni

Francesco Pavoni

Senior Partner

Dubai, United Arab Emirates
Phone: +971 44 46 4080
E-mail:

Christian Wessels

Christian Wessels

Partner

Dubai, United Arab Emirates
Phone: +971 44 46 4080
E-mail:

Your expert contact

Udo Bröskamp

Dr. Udo Bröskamp - Partner and Global Head of Financial Services

Fabrice Asvazadourian

Fabrice Asvazadourian, Partner and Co-Head of Financial Services

All international experts

What's new

think: act CONTENT "Wealth management for entrepreneurs"

Wealth management for entrepreneurs

think: act CONTENT, 2013

Although entrepreneurs are a promising client base for wealth management, few banks have succeeded in winning over their corporate clients as private banking clients as well … >>

To ensure SEPA capability as of February 2014, implementation on short notice is necessary that requires stringent project management. We provide our assistance. Our approach to ensure SEPA readiness
(PDF, 490 KB)