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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 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 five segments.

 

Further reading

Digitale Revolution im Retail-Banking

THINK ACT, 2015

What digitalization means for banks and what opportunities are available to them in the new multi-channel world has been examined in this joint study by Visa Europe and Roland Berger Strategy Consultants …  >>

 
Direct banks in Belgium

THINK ACT, 2015

The direct banking market in Belgium has slowly but surely conquered ground over the last ten years. Its growth will further accelerate in the coming five years …  >>

 
Low interest rates – A threat to the banks

THINK ACT, 2014

The real danger lying in wait for the commercial banks is the low level of interest rates which, combined with risk limitation requirements, curbs their potential profitability …  >>

 
Retail banking – The coming revolution

THINK ACT, 2014

Traditional banks are currently facing a difficult deflationary context, and they have to juxtapose two networks – a physical network of branches and a digital one …  >>

 
Growth opportunities and strategies in the Central European insurance

Study, 2014

Roland Berger and Efma conducted a study to provide a regional insight on growth potentials seen by the Central European insurers and about the future sales strategies …  >>

 
Retail banking – Are banks prepared for a new turning point in the retail banking landscape?

THINK ACT, 2014

Leveraging the Roland Berger Retail Banking Wheel®, our analyses point to the start of a new era in the retail banking landscape, driven by client behavior and business model changes …  >>

 
Next generation insurance in Central Europe

THINK ACT, 2014

Our investigation revealed potential growth opportunities that insurers with the right skills and understanding can exploit …  >>

 
Choosing clients strategically – A comprehensive guide to profitable growth in banking

THINK ACT, 2014

Our new market study focuses on key levers and success factors for reshaping existing business models in banking …  >>

 
Financial Performance of European Insurers

Study, 2014

The European insurance market came through the financial crisis relatively unscathed. Over the last five years, insurers have enjoyed stable revenues. Thanks to improvements in profitability, they have increased their operating results by three percent on average and after-tax earnings by seven percent. …  >>

 
The state of the European banking industry

Study, 2014

Roland Berger Strategy Consultants has screened the performance of 100 top European banks covering ~90% of the EU 27 banking Industry …  >>

 
Corporate and Investment Banking Outlook

THINK ACT, 2014

Incessant new regulations, changing client demands and ever-fiercer competition have durably eroded profitability in the Corporate and Investment Banking industry …  >>

 
Separation of banking activities: which realities in Belgium?

POINT OF VIEW, 2014

Since the great depression of the 1930’s, the advantages and drawbacks of combining retail and investment activities in the same bank have been widely discussed …  >>

 
Retail banking in CEE – The secret of efficient campaign management

Study in cooperation with Efma, 2014

Based on the rising interest for efficient Campaign Management, we conducted a study with Efma, kindly endorsed by Erste Group, on current Campaign Management practices in the CEE region …  >>

 
think: act CONTENT "Navigating risk"

think: act CONTENT, 2014

Recent negative reports from the financial industry make it clear that banks and financial institutions urgently need strategy-oriented risk management …  >>

 

Joint study with Creditreform (in German only), 2013

By optimizing working capital management, Germany's Mittelstand could unleash liquidity potential worth EUR 87 billion …  >>

 
think: act CONTENT "Post-trade services"

think: act CONTENT, 2013

Europe's financial markets have been inundated by a veritable flood of regulations. The result is that providers of post-trade services are now facing major challenges …  >>

 
Insurance in Central Europe – The channel efficiency potential

Study in cooperation with Efma, 2013

Together with Efma we decided to have a focused review on the Central European insurance market. In this study, we analyze the specialties, uniqueness and regional standards …  >>

 
Retail deposits – Prepare for a bumpy ride

Study, 2013

Given that European households have deposits worth an impressive EUR 8.5 trillion, deposits are one of the cornerstones of the EU economic system …  >>

 
Wealth Management in New Realities

Study, 2013

After the recent financial and economic crisis, the wealth management sector has now recovered – and this upward trend will continue …  >>

 
The future of Retail Banking in Europe

Study, 2013

What does the future of retail banking in Europe look like? To answer this question, our industry experts surveyed top managers at more than 60 banks in 15 European countries …  >>

 
think: act CONTENT - What role can banks play in the internationalization process of European SMEs?

think: act CONTENT, 2013

Roland Berger Strategy Consultants has analyzed the role of banks in the internationalization of European small and medium enterprises …  >>

 
think: act CONTENT "Private Equity in China"

think: act CONTENT, 2013

Private equity activities have increased substantially in the Chinese market over the past decade …  >>

 
Corporate and Investment Banks Outlook Summer 2013

Study, 2013

2012 and early 2013 were characterized by uncertainty for corporate and investment banks (CIB). But uncertainty should not paralyze decision-making …  >>

 
think: act CONTENT "Asset management in Taiwan"

think: act CONTENT, 2013

A number of foreign asset managers have found remarkable success on the island, thanks to Taiwan's open regulatory environment, solid economic fundamentals, and growing wealth …  >>

 
think: act CONTENT "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"

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 "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 …  >>

 
Asia Asset Management: Consider Taiwan

think: act CONTENT, 2013

This think: act CONTENT posits that, despite its relatively small economy, the island is one of the most attractive markets in Asia for foreign asset managers …  >>

 
think: act CONTENT "Client Centricity"

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"

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"

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

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"

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"

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

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"

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

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

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

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 …  >>

 
think: act CONTENT "Profit through progress"

think: act CONTENT, 2012

Emerging and developing nations need modern, efficient infrastructure to keep growing …  >>

 
Retail Banking in CEE

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?"

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"

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"

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"

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"

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"

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

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

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"

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

think: act STUDY, 2011

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

 
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

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"

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

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...?

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

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

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

think: act CONTENT, 2011

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

 
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

think: act CONTENT, 2011

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

 

Press releases

December 15, 2014

New providers from the telecommunications and IT industry are penetrating the market for financial services …  >>

November 27, 2014

Things have changed in the insurance industry in recent years. A new generation of consumers has appeared on the scene and digitalization has made great inroads. These two trends will necessitate change in the business and operating model. …  >>

September 9, 2014

Dr. Jörg Oliveri del Castillo-Schulz has taken up the post of Global Head of Business Transformation in the strategy consultancy's Financial Services Competence Center …  >>

September 9, 2014

The European insurance market came through the financial crisis relatively unscathed. …  >>

July 21, 2014

European Banks have pursued their efforts to strengthen their balance sheet in line with Basel III requirements and in anticipation of ECB Comprehensive Assessment results …  >>

May 22, 2014

After a long period of uncertainty, the regulatory and market environment is starting to slowly clear up for Corporate & Investment Banks, and we observe preliminary strategic moves …  >>

February 18, 2014

Risk management is playing an increasingly active role in value creation …  >>

November 21, 2013

The EU Commission and the European Central Bank (ECB) are striving to integrate the continent's financial markets as closely as possible to ensure financial stability in the euro area …  >>

October 25, 2013

European households have EUR 8.5 trillion in deposits – one-third of total financial assets …  >>

October 23, 2013

New Roland Berger analysis: Bankable assets rose to EUR 29 trillion (+8%) worldwide in 2012 …  >>

October 11, 2013

Survey conducted by Roland Berger Strategy Consultants among managers at more than 60 European banks …  >>

October 2, 2013

Roland Berger Strategy Consultants has analyzed the role of banks in the internationalization of European small and medium enterprises in its new study: "What role can banks play in the internationalization process of European SMEs?" …  >>

July 18, 2013

Finance segments experienced some growth, driven by emerging markets, but the capital markets and commercial banking remained cautious, according to the latest study by our Financial Services Competence Center …  >>

May 10, 2013

Roland Berger study shows: German banks could increase their annual revenues by some EUR 7 billion if they better coordinated their corporate and private banking activities …  >>

November 26, 2012

Federal, regional and European subsidies for regional development are shrinking …  >>

November 20, 2012

Global investment banking revenues expected to grow by 10% in 2012, but might post low double-digit industry ROEs …  >>

November 16, 2012

A Roland Berger study shows that green banking offers significant potential for traditional financial institutions …  >>

August 17, 2012

Small and mid-size enterprises still serve as the backbone of the European economy. In 2010, the European Union boasted about 21 million SMEs, which created 85% of all new jobs in the EU between 2002 and 2010 …  >>

July 31, 2012

A new Roland Berger study shows: Standardized payment processes could help European companies in the consumer goods industry become more cost efficient …  >>

July 23, 2012

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

July 10, 2012

After recovering in the first quarter of 2012, earnings are expected to collapse by up to 15% for the entire year due to the euro crisis …  >>

June 6, 2012

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

Our experts

Bahrain

Vatche Kourkejian

Principal

Manama, Bahrain
Phone: +973 17 5679 - 50
E-mail: e-mail

 
Doruk Acar

Principal

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

 
Knut Storholm

Senior Partner

Manama, Bahrain
Phone: +971 4 446 4080
E-mail: e-mail

 

Belgium

Bruno Colmant

Partner, Head of Global Financial Services Team

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

 
Axel Böhlke

Principal

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

 
Kasper Peters

Principal

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

 
Grégoire Tondreau

Partner

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

 

Brazil

António Bernardo

Partner, Member of the GEC

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

 
Sebastian Maus

Principal

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

 

Canada

Joe Nakhle

Principal

Montréal, Canada
Phone: +1 514 875 2000-214
E-mail: e-mail

 

France

Stéphane Potier

Partner

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

 
Pierre Reboul

Partner

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

 
Guillaume Chrun

Principal

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

 
Mathieu Sebastien

Principal

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

 
Eric Sebbagh

Principal

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

 
Christophe Angoulvant

Senior Partner

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

 
Jérôme Barrué

Partner

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

 

Germany

Dominik Löber

Partner

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

 
Wolfgang Hach

Partner

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

 
Klaus Juchem

Partner

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

 
Jörg Oliveri del Castillo-Schulz

Partner

Frankfurt, Germany
Phone: +49 69 29924 - 6266
E-mail: e-mail

 
Ante Prnjak
Ante Prnjak

Principal

Stuttgart, Germany
Phone: +49 711 3275-7295
E-mail: e-mail

 
Visar Sala

Partner

Hamburg, Germany
Phone: 
E-mail: e-mail

 
Sebastian Steger

Principal

Berlin, Germany
Phone: +49 30 39927 - 3488
E-mail: e-mail

 
Markus Strietzel

Partner

Düsseldorf, Germany
Phone: +49 211 4389 - 2244
E-mail: e-mail

 
Jürgen Thiele

Partner

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

 

Greater China

Alain le Couédic

Partner

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

 

Partner

Beijing, Greater China
Phone: +86 10 84400088 - 686
E-mail: e-mail

 

Hungary

Frigyes Schannen

Partner

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

 

Italy

Andrea Airoldi

Partner

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

 
Egidio Calegari

Partner

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

 
Edoardo Demarchi

Partner

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

 

Japan

Martin Tonko

Partner

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

 
Takashi Watanabe

Principal

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

 
Hisaji Yoneda

Partner

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

 

Korea

Martin Tonko

Partner

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

 
Huntaek Jung

Principal

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

 
Seogin Shin

Director

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

 

Netherlands

Tijo Collot d'Escury

Partner, Deputy CEO

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

 
Mark de Jonge

Partner

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

 

Romania

Codrut Pascu

Partner

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

 

Russia

Nikita Ponomarev

Partner

Moscow, Russia
Phone: +7 495 225 76 45
E-mail: e-mail

 
Dmitri Zaitsev

Managing Partner Russia and CIS

Moscow, Russia
Phone: +7 495 225 76 45 - 0
E-mail: e-mail

 

Southeast Asia

Vincent Casanova

Principal

Singapore, Southeast Asia
Phone: +65 6597-4552
E-mail: e-mail

 
Philippe Chassat

Partner

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

 
Thomas Klotz

Managing Partner

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

 
Rezki Wibowo

Principal

Jakarta, Southeast Asia
Phone: +62 21 298 - 59802
E-mail: e-mail

 

Switzerland

Robert Buess

Partner

Zurich, Switzerland
Phone: +41 43 336-8620
E-mail: e-mail

 
Adrian Weber

Partner

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

 
Michael Wette

Partner

Zurich, Switzerland
Phone: +41 43 336 - 8630
E-mail: e-mail

 

United Arab Emirates

Doruk Acar

Principal

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

 

Contact

Bruno Colmant

Bruno Colmant,Senior Partner and Head of Global Financial Services

What's new

Digitale Revolution im Retail-Banking

THINK ACT, 2015

What digitalization means for banks and what opportunities are available to them in the new multi-channel world has been examined in this joint study by Visa Europe and Roland Berger Strategy Consultants …  >>

 
Direct banks in Belgium

THINK ACT, 2015

The direct banking market in Belgium has slowly but surely conquered ground over the last ten years. Its growth will further accelerate in the coming five years …  >>