Challenges

The market for mortgage banks and real estate banks is on the move. Move with us.

Times change. And with them the markets:

As a result of the financial and economic crisis, increased banking regulation has led to a considerable change in the environment for Pfandbrief and real estate banks and has imposed a number of regulatory challenges on the banks themselves. It remains to be seen whether the "flood of regulation" will continue or return to pre-crisis levels.

However, the ongoing low-interest phase and expansive monetary policy will continue to dominate the markets and fuel the already fierce competition in the real estate financing market.

The search for low-risk business, especially in the commercial sector, as well as a large number of new competitors is leading to a continuing noticeable pressure on margins and the search for new markets.

In addition, as a result of digitization, non-banks and near-banks with specialized and digitized business models are penetrating the traditional markets and require action or reaction from existing market participants.