Herausforderungen Und Perspektiven F R Die Bankfiliale Der Zukunft Ist Pers Nliche Beratung Ein Auslaufmodell In Der Zeit Des Online Bankings
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Herausforderungen Und Perspektiven F R Die Bankfiliale Der Zukunft Ist Pers Nliche Beratung Ein Auslaufmodell In Der Zeit Des Online Bankings
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Author : Bünyamin Akdemir
language : de
Publisher: GRIN Verlag
Release Date : 2015-09-01
Herausforderungen Und Perspektiven F R Die Bankfiliale Der Zukunft Ist Pers Nliche Beratung Ein Auslaufmodell In Der Zeit Des Online Bankings written by Bünyamin Akdemir and has been published by GRIN Verlag this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-09-01 with Technology & Engineering categories.
Bachelorarbeit aus dem Jahr 2015 im Fachbereich Ingenieurwissenschaften - Wirtschaftsingenieurwesen, Note: 1,7, Technische Universität Darmstadt (Unternehmensfinanzierung), Sprache: Deutsch, Abstract: Die Aussage „In 20 Jahren gibt es keine Bankfilialen mehr“ wurde das erste Mal vom Wall Street Journal Deutschland getätigt. Wegen der Vermeidung hoher Kosten und aus Sparzielen ziehen klassische Banken einige Maßnahmen wie z.B. Schließung der Filiale oder Umgestaltung des Filialkonzeptes in Betracht, was auf das allmählich steigende Interesse der Bankkunden auf Digitalwelt und Änderung der Bedürfnisse zurückzuführen ist. Banker äußern sich, dass Deutschland overbanked ist. Deshalb führt dies ihrem Erachten nach zum Verderben der Preise und zur Senkung der Gewinnmargen. Die Banken versuchen die niedrigen Margen durch das vermeintlich lukrative Investmentbanking zu erhöhen. Diese Strategie führte bei vielen Kreditinstituten jedoch lediglich zu einer Erhöhung des Risikos. Das Problem ist nicht die hohe Anzahl der Bankfilialen, sondern vielmehr die zu hohen Renditeerwartungen der Banken. Die Experten der Unternehmensberatung BCG rechnen in den nächsten Jahren mit der Beschleunigung des Filialsterbens. Sie gehen davon aus, dass sich die Zahl der Zweigstellen bis 2018 von zurzeit rund 36.000 weiter auf 20.000 bis maximal 25.000 vermindern wird oder die Filialen in SB-Stellen umgebaut werden. Die deutschen Kreditinstitute verfügen weiterhin über ein sehr dichtes Filialnetz. Die Sparkassen haben rund 3800 Kunden pro Filiale, die Volks- und Raiffeisenbanken lediglich 2600 pro Filiale. Das ist kein unerwartetes Ergebnis, weil für diese beiden Institutsgruppen Filiale ein zentraler Ort zur Erbringung ihrer Dienstleistungen und dank der schieren Markenpräsenz die wichtigste Quelle für die Neukundengewinnung und die Bestandskundendurchdringung ist. Dennoch finden diese Filialrollen kaum Berücksichtigung, wenn Standorte beurteilt werden. Der Kostenaspekt ist oft der einzige Ratgeber über die Zukunft eines Standortes.
Students Professors And The State In Tsarist Russia
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Author : Samuel D. Kassow
language : en
Publisher: Univ of California Press
Release Date : 1989-01-01
Students Professors And The State In Tsarist Russia written by Samuel D. Kassow and has been published by Univ of California Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 1989-01-01 with History categories.
"The first systematic and exhaustive study of one of the most important social and political developments in pre-October Russia. . . . .It ranks among the best studies in modern Russian history."--Alexander Vucinich, author of Empire of Knowledge and Darwin in Russian Thought
Sergei Witte And The Industrialization Of Russia
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Author : Theodore Hermann Von Laue
language : en
Publisher: New York, Columbia U. P
Release Date : 1963
Sergei Witte And The Industrialization Of Russia written by Theodore Hermann Von Laue and has been published by New York, Columbia U. P this book supported file pdf, txt, epub, kindle and other format this book has been release on 1963 with Finance, Public categories.
The Russian Jew Under Tsars And Soviets
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Author : Salo Wittmayer Baron
language : en
Publisher:
Release Date : 1976
The Russian Jew Under Tsars And Soviets written by Salo Wittmayer Baron and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1976 with History categories.
Post War Planning
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Author : United States. National Resources Planning Board
language : en
Publisher:
Release Date : 1942
Post War Planning written by United States. National Resources Planning Board and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1942 with Economic policy categories.
Struve Liberal On The Right 1905 1944
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Author : Richard Pipes
language : en
Publisher:
Release Date : 1980
Struve Liberal On The Right 1905 1944 written by Richard Pipes and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1980 with History categories.
This volume completes the biography of Peter Struve (1870-1944), one of the most remarkable and influential Russian intellectuals of this century. More than anyone else in his time, Struve was the master of history, journalism, economics, international relations, and practical politics. A scholar and activist, he helped found the Marxist movement in Russia, initiated Marxist Revisionism there, and launched Lenin's career, and he was the theoretician and a cofounder of the Constitutional Democratic Party. After 1905--the years covered in this self-contained volume--Struve became the principal critic of the Russian intelligentsia and the main political ideologist of the anti-Bolshevik opposition during the Civil War and in emigration. His life was a part of the life of Russia as he struggled to craft a liberal democracy and wound up defeated and faced with an emerging totalitarian state. In writing about Struve, Richard Pipes turns biography into history. He lays bare the split soul of the Russian intellectuals--their irresponsibility, unwillingness to compromise, intolerance. Struve, the liberal turned conservative, preached to his countrymen physical and spiritual freedom based on law. He was a Westerner in his championing of social reform, legality, private property, and a vigorous state and foreign policy. This long and rich tradition of liberal-conservatism is recounted against the background of a "monstrous growth of political claims on the individual that caused intellectual and moral independence increasingly to be punished with ostracism, confinement, exile, and death."
The Tsars And The Jews
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Author : Heinz-Dietrich Löwe
language : en
Publisher: Routledge
Release Date : 1993
The Tsars And The Jews written by Heinz-Dietrich Löwe and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 1993 with History categories.
One of the striking results of this new research is how closely reaction and reform were connected. This ambiguity was already inherent in the Polish attempt at reform during the second half of the eighteenth century, and it never entirely disappeared during the times of dark reaction under Alexander II. Therefore, when the Russian government initiated a programme of modernization at the end of the nineteenth century, anti-Jewish stereotypes quickly hardened into anti-Semitism. In the conflict that ensued between reform-minded and reactionary forces, this anti-Semitism became an ideological weapon in which the Jews appeared as the embodiment of change, modernization and uprooted life. Lowe has taken the opportunity of the English translation to incorporate the results of his most recent research, extending the coverage of the book from the earlier version's beginning in 1890 backwards into the eighteenth century to give the whole background to Tsarist Jewish policy and Russian anti-Semitism.