The banking industry finds it more and more difficult to achieve good returns in the mortgaging sector. Credit institutions are seeking to lower there costs and they find that the workflow of the automobile industry is not very different from the workflow in the banking industry. This approach also affects the way real estate valuations are undertaken. First in America and now also in Europe, some institutions use real estate mass appraisals for the valuation of the assets. The Presentation gives an introduction to mass appraisals, addresses different techniques and gives an overview of the adoption of mass appraisal in Europe.