Sure compliance with statutory requirements

Banks operate in a complex environment where they not only have to satisfy modern bank management requirements, but also ensure compliance with all the new statutory requirements which are introduced. Several new regulatory frameworks have been established in recent years (Basle II, MaRisk etc.) whose implementation demands the banks' concentrated attention. In the process of complying with these new statutory requirements, however, banks can take advantage of many different opportunities for systematic overall bank risk management. This is provided that they apply an integrated, modular and professional approach - and the appropriate technical infrastructure.

An optimized overall bank risk management system maps all the relevant risks (credit, market, investment portfolio, liquidity, yield, operational and strategic risk) from a economic, regulatory  and accounting perspective, and it is seamlessly integrated in value-orientated group management structures. As a leading provider of risk management systems, our consulting services are based on best practice methods, processes and systems which have proven their effectiveness in the complex environment where major international banks operate. Our customers profit from the networking of individual aspects which enables them to specifically utilize potential synergies.

The Competence Center for Strategic and Regulatory Risk Management's portfolio of services extends from Basle II implementation at international bank groups, through the optimization of HGB, IFRS and GAAP accounting to the full implementation of a comprehensive overall bank risk management concept which is integrated in the value-orientated group management structures. We focus on the requirements profile of international bank groups. Our consulting services are provided in conjunction with further specialized  zeb/ Competence Center services to ensure comprehensive functional, technical and process-related implementation. We also provide classic audit services and support you in regulatory acceptance processes. 

• Basle II
  The "zeb/ Basle II" standard process model is a tried-and-tested instrument which has been successfully used in over fifty national and international Basle II implementation projects for the full functional, technical and process-related implementation of all three pillars of Basle II. Not only does this include the implementation of reporting structures to enable compliance with pillar 1 but also, for example, the introduction of Basle II-compliant rating processes and risk parameter estimation and validation processes (PD, LGD, EAD) and implementation of risk-relevant credit processes. In the context of overall bank risk management we support our clients in the full implementation of the Internal Capital Adequacy Assessment Process (ICAAP) as per Basel II, and in the implementation of bank-related risk measurement processes.
• Risk Modelling
  Our risk management services include the design and development of methods and models for the measurement and management of individual risk types. They also focus on the design and implementation of loan portfolio management and credit treasury models, and the introduction of credit derivatives and securitization als modern management instruments.
• IFRS Finance Integration
  The zeb/ IFRS Finance Integration and Finance IT Services model is an integrated solution for the functional, technical and process-related implementation of IFRS (International Financial Reporting Standards) requirements such as hedge accounting, fast close and impairment. We also provide classic audit services.
• Regulatory
  zeb/'s expertise in over fifty Basle II implementation projects to date and more than ten preliminary and main acceptance tests prior to IRB approach qualification guarantees that zeb/ has the professional know-how to efficiently bring banking authority acceptance processes to a conclusion.

• You implement Basel II and all other statutory requirements on a group-wide basis and you can efficiently and competently satisfy national requirements.
• You get a modern risk and finance architecture that improves your efficiency and quality.
• You optimize your IFRS result and your IFRS-oriented annual financial statements.
• You implement a group-wide integrated overall bank risk management system and receive targeted management input for specific, risk-adjusted capital location that permanently increases your enterprise value.
• You get an efficient management instrument which enables you to enhance the yield of your loan portfolio.