Do you expect there to be further consolidation in the world banking industry? Neuber: The process of consolidation we have recently seen in global banking will continue at an accelerated pace. Apart from certain other factors, this trend will be driven both by increasing price competition (which will be further heightened by Emu) and the need for substantial investment in product development (in areas ranging from electronic banking to risk management) as well as the required service quality in the investment banking area.
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