This edition continues the trend study series "Bank & Future" for the year 2016. It illustrates the development of political, market, and operational trends in the banking market and their impact on banks in the German market, providing insights for the strategic and operational development of banks. The empirical market survey was conducted under the scientific leadership of Fraunhofer IAO. It collects and analyzes general market trends, developments, challenges, and measures taken by banks for the year 2016. The study covers areas such as "general developments in the banking market," "trend management," "customer management," "sales management," "product and service management," "organization and process management," as well as the "use of IT" in banks. Additionally, the study offers a forecast.