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Financial services

The financial services sector is facing major challenges worldwide. Rapidly shifting parameters and dramatic increase in competitive intensity are making it ever harder for companies to pursue business models that are stable in the long term.

In brief

The financial services sector is facing major challenges worldwide. Rapidly shifting parameters and dramatic increase in competitive intensity are making it ever harder for companies to pursue business models that are stable in the long term.

We support our clients in adapting to the changing conditions and to develop successful business models for the long term. We help them revise and adjust their strategies and realign their structures and processes. We support all sectors of the financial services sector - major banks in the wholesale and retail business, insurance companies, brokerage firms, government-backed institutions, and other financial services companies.

We have worked with the leading global 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 put it into practice. Our international network guarantees worldwide expertise combined with a local presence.

Sample projects

The scope of our projects covers the whole range of issues relevant to the financial services industry:

  • Strategy and growth
    We support our clients in realigning their strategies. We develop strategies for market entry, international diversification and for boosting revenues in all relevant business segments
  • Cost management and efficiency improvement
    We help identify cost drivers and develop and conduct programs to reduce costs and to improve efficiency in all areas and processes handled by financial services providers
  • Performance management and key performance indicators
    We set up a comprehensive KPI approach by determining key performance indicators and implementing a monitoring and performance management tool (RBpoint)
  • Organization and overhead reduction
    We develop lean and efficient organizational structures that facilitate strategy implementation
  • M&A and post merger integration
    We prepare and design mergers and acquisitions and conduct post merger integration projects for national and international financial services providers
  • Marketing efficiency
    We design and launch customer relationship management programs (CRM) and efficient sales channels strategies for banks and insurance companies
  • Branch network and multi-channeling
    We optimize the branch network of financial institutions and increase service and distribution efficiency
  • e-business and IT
    We develop e-commerce strategies, design IT strategies, and conduct programs to boost IT performance

Our experts

Fred Schneidereit

Partner

Munich, Germany
Phone: +49 89 9230-8383
E-mail: e-mail

 
Jorge Alcobia

Partner

Lisbon, Portugal
Phone: +351 21 3567600-0
E-mail: e-mail

 
Christophe Angoulvant

Partner

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

 
António Bernardo

Partner and Deputy Chief Executive Officer

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

 
Charles-Edouard Bouée

Partner

Paris, France
Phone: +33 1 53670-965
E-mail: e-mail

 
Hendrik Bremer

Partner

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

 
Bernd Brunke

Partner and Head of Corporate Performance

Berlin, Germany
Phone: +49 30 39927-3527
E-mail: e-mail

 
Udo Bröskamp

Partner

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

 
Johannes Börner

Partner

Moscow, Russia
Phone: +7 495 72119-51
E-mail: e-mail

 
Calvi Parisetti

Principal

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

 
Maxime Charbonnel

Principal

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

 
Philippe Chassat

Partner

Brussels, Belgium
Phone: +32 2 66103-26
E-mail: e-mail

 
Tijo Collot d'Escury

Partner and member of the Supervisory Board

Amsterdam, Netherlands
Phone: +31 20 7960-610
E-mail: e-mail

 
Roberto Crapelli

Partner and Managing Director

Milan, Italy
Phone: +39 02 29501-257
E-mail: e-mail

 
Rodrigo Dantas e Silva

Partner

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

 
Edoardo Demarchi

Principal

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

 
Marcin Dumania

Partner

Warsaw, Poland
Phone: +48 22 32374-60
E-mail: e-mail

 
Holger Dümler

Partner

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

 
Antonio Farinha

Partner

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

 
Natalia Gerashchenko

Principal

Moscow, Russia
Phone: +7 495 72119-51
E-mail: e-mail

 
Daniel Gresch

Partner

Zurich, Switzerland
Phone: +41 44 38481-40
E-mail: e-mail

 
Wolfgang Hach

Partner

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

 
Frank Heideloff

Partner

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

 
Carsten Henkel

Partner

Zurich, Switzerland
Phone: +41 44 38481-70
E-mail: e-mail

 
Klaus Juchem

Principal

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

 
Fabrice Kahn

Partner

Paris, France
Phone: +33 1 53670-324
E-mail: e-mail

 
Yan Kang

Partner

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

 
Constantin Kinský

Partner

Prague, Czech Republic
Phone: +420 2573111-61
E-mail: e-mail

 
Alain Le Couédic

Partner

Hong Kong, China
Phone: +852 2297 2873
E-mail: e-mail

 
Wojciech Michalowski

Principal

Warsaw, Poland
Phone: +48 22 32374-86
E-mail: e-mail

 
Codrut Pascu

Partner

Bucharest, Romania
Phone: +40 21 2221-905
E-mail: e-mail

 

Principal

Manama, Bahrain
Phone: +973 17 567-976
E-mail: e-mail

 
Stephane Potier

Partner

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

 
Xiangjun (John) Qu

Partner

Shanghai, China
Phone: +86 21 52986677-820
E-mail: e-mail

 
Pierre Reboul

Partner

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

 
Thomas Rinn

Partner

Stuttgart, Germany
Phone: +49 711 3275-7349
E-mail: e-mail

 
Sergei Safonov

Principal

Moscow, Russia
Phone: +7 495 72119-52
E-mail: e-mail

 
Sebastien Salvi

Partner

Paris, France
Phone: +33 1 53670336
E-mail: e-mail

 
Roland Schwientek

Partner

Stuttgart, Germany
Phone: +49 711 3275-7318
E-mail: e-mail

 
René Seyger

Partner

Amsterdam, Netherlands
Phone: +31 20 7960-620
E-mail: e-mail

 
David Stern

Partner

London, United Kingdom
Phone: +44 20 30751-115
E-mail: e-mail

 
Mathieu Sébastien

Principal

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

 
Olaf Toepfer

Partner

Zurich, Switzerland
Phone: +41 44 38481-46
E-mail: e-mail

 
Gregoire Tondreau

Principal

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

 
Martin Tonko

Principal

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

 
Erkut Uludag

Partner

Istanbul, Turkey
Phone: +90 212 3700066-0
E-mail: e-mail

 
Ricardo Wehrhahn

Partner

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

 
Thomas Wendt

Principal

Detroit, USA
Phone: +1 248 729-5124
E-mail: e-mail

 
Christian Wessels

Partner

Frankfurt, Germany
Phone: +49 69 29924-6390
E-mail: e-mail

 
Christoph Winter

Partner

Munich, Germany
Phone: +49 89 92 30-8788
E-mail: e-mail

 
Hisaji Yoneda

Partner

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

 

Further reading

Consumer finance in the CEE region

Study in cooperation with EFMA, 2010

Roland Berger Strategy Consultants and EFMA (European financial management & marketing association) recently carried out a detailed market research on the consumer credit business in Central and Eastern Europe (CEE) …  >>

 
Retail banking trends 2009

Study, 2009

For the second year in a row, Roland Berger Strategy Consultants, EFMA and Nordea have conducted a study on retail banking in Europe …  >>

 
Increasing the value of portfolio companies by improving their operational performance

Survey results, 2009

The Private Equity industry is not dead at all. Our study shows that only the preferences are changing in the times of the financial crisis …  >>

 
Financial & Risk Effectiveness - Case Book

Case Book, 2008

A successful risk and accounting strategy requires effective and efficient processes and governance structures in the financial and risk management function. Financial & Risk Effectiveness drives the process design, i.e. it describes the tasks, defines the responsibilities and maps out implications for the organizational structure …  >>

 
Importance and management of financial covenants

Study, 2008

Roland Berger study on financial indicators used by banks when extending loans to companies: The comeback of financial covenants …  >>

 
Retail Banking in Europe

Christophe Angoulvant, Study, 2008

Flexibility in branch organization is key to success in retail banking, a new study shows. While regional differences must be taken into account, banks respond quickly to client needs are garnering the critical edge. …  (PDF, 235 KB)

 
REIT - Chances for the German real estate and financial market

Study, 2006

"Germany's real estate market is the biggest in Europe, but companies could make a much bigger part of their real estate assets accessible to capital markets," explains Thomas Eichelmann …  >>

 
Nicholas Richter, Distressed debt investing in Germany

Nicholas Richter, Thesis (in German), 2006

To ease the burden on their balance sheets, banks in Germany, as in other countries, are increasingly selling off distressed debt. The investors must be willing to take on risky commitments …  >>

 
Retail banking in Croatia

Study, 2006

Most Croatian banks are universal banks. To develop and grow further, they should specialize in either products or in distribution channels/client segments. They can even specialize in both, becoming niche players. …  (PDF, 2428 KB)

 
Spanish way of banking

Speech, 2006

Why are Spanish banks successful and what can we learn from them? …  (PDF, 738 KB)

 
Distressed debt

Study, 2005

Since banks' experience in the distressed debt segment is limited, they tend to prefer classical restructuring and full loan repayment to ensure that their claims are met …  >>

 
Klaus Spremann, Insurance in upheaval

Klaus Spremann, Book (in German), 2005

Institutions offering and managing insurance and fund-based pensions have to be on a sound financial footing today. They are not at present, though: capital market developments, deregulation and increasing competition, and falling interest rates but unchanged cover demands, have seen to that …  >>

 
Value chain

Study, 2004

To verify if “Breaking up the Value Chain” would be a next step for the insurance industry, Roland Berger conducted a survey amongst top management of insurance companies in 11 countries. …  (PDF, 3674 KB)

 

Your expert contact

Financial services news

Cashier´s desk
Oct 30, 2009

For the second year in a row, Roland Berger Strategy Consultants, EFMA and Nordea have conducted a study on retail banking in Europe, comparing recent trends with past developments.  >>

 
Future of Retail Banking
Apr 19, 2008

Flexibility in branch organization is key to success in retail banking, a new study shows. While regional differences must be taken into account, banks respond quickly to client needs are garnering the critical edge.  >>