# Scaling the Global Hausbank, One Faster Decision at a Time Deutsche Bank’s Global Hausbank strategy targets a cost/income ratio below 60% by 2028. nCino brings origination, underwriting and portfolio management onto one platform, built to scale lending without scaling cost. Deutsche Bank’s Global Hausbank strategy targets a cost/income ratio below 60% by 2028. nCino brings origination, underwriting and portfolio management onto one platform, built to scale lending without scaling cost. --- ## Supporting Deutsche Bank's Global Hausbank Ambition Global Hausbank's current phase rests on three levers: focused growth, strict capital discipline, and a more scalable operating model. Here's how that ambition and nCino's platform approach line up. --- ## Introducing nCino's Agentic Operating System From a natural language conversation interface to role-based agents, discover the four solutions that define Banking Intelligence and AI on the nCino platform. **Role-Based Agents** ### Digital Partners Fueled by real decisions, portfolios and workflows. Not the open web. [Explore Now](/digital-partners) **Analytics** ### Operations Analytics Peer benchmarking and process insights from 14+ years of institutional banking context. Transform your operational data into strategic intelligence. [Explore Now](/operations-analytics) **Conversational Interface** ### Banking Advisor Redefine banking efficiency with nCino's GenAI tool that delivers intelligence when it matters most. [Learn More](/banking-advisor) **Integration** ### Integration Gateway A pre-built iPaas with configured connectors for 14+ core platforms and 50+ specialized partners. A catalyst for connection with other technologies. [Explore Now](/solutions/integrations) --- > “nCino gives us the modern foundation to honor the trust of our customers and our responsibility towards them – with a platform designed specifically for how we work.” > > — Reinhard Schwendtbauer, Chairman, Raiffeisen Kooperationsgenossenschaft --- ## Featured Resources ### I Asked Myself an Honest Question About AI. Here's What I Found. Written by Sean Desmond, President and CEO, nCino [Read more](/i-asked-myself-an-honest-question-about-ai) ### Building Luxembourg's Future of Digital Lending: Banque Raiffeisen's Journey with nCino Established in 1926, Banque Raiffeisen is a cornerstone of Luxembourg's financial sector, known for its commitment to supporting and working in the best interest of customers. With nearly a century of service, the bank has built its reputation on strict governance standards and customer-centric operations. [Read more](/building-luxembourgs-future-of-digital-lending-banque-raiffeisens-journey-with-ncino) ### Why Buy vs. Build Is the Wrong Question for Financial Institutions in Banking's AI Era Written by Will Jung, Chief Technology Officer at nCino [Read more](/why-buy-vs-build-is-wrong-question-ai-era) ### DNB Goes Live on the nCino Platform to Modernise and Scale Corporate Lending Across International Markets nCino bringing intelligent lending to life at Norway’s largest financial institution [Read more](/dnb-selects-ncino-modernise-corporate-lending-nordics) ### From AI Adoption to AI Revenue: The Three Layers of Banking KPIs Many banks measure what AI does and how it helps, but almost none measure what it earns. That last layer is where revenue lives. [Read more](/ai-kpis-three-layers-banking-roi) ### Habib Bank AG Zurich Partners with nCino to Power Future Growth An Interview with Satyajeet Roy, CEO, Habib Bank AG Zurich United Kingdom \(HBZ UK\) [Read more](/habib-bank-ag-zurich-partners-with-ncino-to-power-future-growth) --- ## Your Dedicated nCino Team Whether you have questions about how nCino can help you achieve your growth goals or want to understand how nCino supports other financial institutions, our team is on hand to support you. --- [View sitemap](https://www.ncino.com/api/markdown/sitemap)