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A key factor in the Swiss economy, the financial services sector faces major challenges. Financial institutions are caught between shareholders who expect adequate returns, regulators who are constantly tightening requirements and competitors who are relentlessly pushing ahead with digitalization.
Recent studies show that the Swiss financial center has steadily lost importance in international competition in recent years. In addition, the merger of the two major banks UBS and Credit Suisse fundamentally changed the market structure in Switzerland, and regulatory requirements are set to be tightened further in the future. According to the Chairman of the Swiss National Bank, future regulations could take a bank's profitability more into account. The entire financial center will therefore face extensive challenges in the coming years.
Our annual analysis of the profitability of Swiss banks shows that making equity profitable is a key challenge for Swiss financial institutions. Pressure from shareholders, owners and regulators with regard to value creation will increase in the coming years and the issue of profitability in the financial services sector will continue to come to the fore.
Inflation, rising interest rates and geopolitical conflicts are clouding the general economic situation, both internationally and in Switzerland. For the financial sector, the focus is therefore even more on identifying and managing the resulting risks at an early stage. In corporate banking in particular, a well-founded review of clients' business models is required as a basis for a critical review of credit exposures.
Achieving an appropriate return on equity represents a major challenge for Swiss financial institutions. Our holistic Value-based Management approach is based on many years of extensive experience and ensures that you have a clear understanding of your current financial performance and a well-founded basis for decision-making so that you can increase your future financial value creation. From defining value-creating, strategic objectives to conceptual development of a contribution margin statement, our experts are at your side with tailor-made solutions to sustainably increase the financial value creation of your company.
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Correctly assessing risks in corporate banking and translating them into an appropriate customer interest rate has become significantly more relevant in recent years. Our experienced experts support you in Corporate Banking in the following areas:
Knowing the customer and systematically recording their business model is a central element of credit assessment. The approach developed by us and used by various banks enables targeted and efficient business model analysis based on company-specific value and risk drivers. By combining business model analysis with the debt capacity approach, we create the necessary basis for a well-founded credit decision.
Risk-adjusted pricing and transparent special conditions management serve to optimize returns and risks in the corporate client area. Our experts will assist you in setting up pricing tools by defining the individual pricing components (including refinancing, risk, capital and process costs) and assist you in defining and implementing an appropriate special conditions policy.
Based on business model analysis and internal banking industry know-how, strategic crises among customers can be identified at an early stage. By defining early warning indicators, which are evaluated regularly and in a standardized manner, we create the basis for dynamic risk monitoring. At the same time, the review process is being optimized by aligning the resubmission deadlines for lower credit commitments in terms of amount with the early warning system.
As a recognized and experienced expert, we support you in legal disputes or regulatory issues through independent financial expert opinions. The reports prepared by us meet the highest standards of courts, regulatory and supervisory authorities as well as lawyers and auditors. Rely on our expertise and secure solid support for your success.
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Whether it's identifying strategic opportunities, mitigating risks, or maximizing value, you face comprehensive challenges in every M&A process. Our experts support you throughout the M&A process to ensure that your strategic goals are achieved. When carrying out M&A projects, we rely on our many years of experience, our extensive network in the Financial Services sector and the highest standards of integrity, confidentiality and independence.
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Reliable valuations and financial models provide key decision-making bases for managers in the Financial Services sector. From bank valuations to value considerations in an M&A context to the valuation of fund shares, our experts will assist you with all valuation issues with many years of experience, recognized expertise and comprehensive understanding of the financial sector.
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