Sparkassen Und Banken
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Sparkassen Und Banken Saving Banks And Banks
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Author : Roland OSTERAG
language : en
Publisher:
Release Date : 1961
Sparkassen Und Banken Saving Banks And Banks written by Roland OSTERAG and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1961 with categories.
Sparkassen Und Banken
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Author : Johann Christian Eberle
language : de
Publisher:
Release Date : 1922
Sparkassen Und Banken written by Johann Christian Eberle and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1922 with categories.
Das Bank Und Sparkassen Lexikon
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Author :
language : en
Publisher:
Release Date :
Das Bank Und Sparkassen Lexikon written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on with categories.
Structural Change In The German Banking System
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Author : Stefan Menk
language : de
Publisher: GRIN Verlag
Release Date : 2010-05-03
Structural Change In The German Banking System written by Stefan Menk and has been published by GRIN Verlag this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-05-03 with Business & Economics categories.
Studienarbeit aus dem Jahr 2008 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 1,5, Georg-August-Universität Göttingen (Professur Korn), Veranstaltung: Seminar zum Kosten- und Produktivitätsmanagement von Banken, Sprache: Deutsch, Abstract: Das deutsche Bankensystem mit seinen drei streng voneinander abzugrenzenden Säulen der privaten, der öffentlich-rechtlichen und der genossenschaftlichen Kreditinstitute ist in dieser Form weltweit einzigartig. Da diese Organisationsform zahlreiche Auswirkungen auf die Profitabilität und Wettbewerbsfähigkeit der deutschen Banken mit sich bringt, ist es andererseits ein vielfach diskutiertes Thema. Die Frankfurter Professoren Andreas Hackethal und Reinhard H. Schmidt haben im Jahr 2005 eine Arbeit vorgelegt, die sich mit der Frage beschäftigt, ob hier ein struktureller Wandel stattgefunden hat oder zu erwarten ist. Bei ihren Überlegungen gehen die Autoren dabei insbesondere auf eine entsprechende Forderung des IWF in einem Finanzsystemstabilitätsbericht aus dem Jahr 2003 ein. Im ersten Abschnitt dieser Hausarbeit werden das Arbeitspapier und seine Kernaussagen zu der Frage, ob es in der Vergangenheit strukturelle Veränderungen des deutschen Bankensystems gab und ob (weitere) künftig zu erwarten sind, vorgestellt. Der zweite Abschnitt greift dann zunächst aktuellere Entwicklungen auf. Unter Hinzunahme der Erkenntnisse des Arbeitspapiers wird auf dieser Grundlage im Anschluss erörtert, wie gerade die vieldiskutierte Frage einer Öffnung und Privatisierung der öffentlich-rechtlichen Säule für private Investitionen aus Sicht einer Großbank oder einer Sparkasse zu bewerten ist.
Investigating Diversity In The Banking Sector In Europe The Performance And Role Of Savings Banks
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Author :
language : en
Publisher: CEPS
Release Date : 2009
Investigating Diversity In The Banking Sector In Europe The Performance And Role Of Savings Banks written by and has been published by CEPS this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009 with Banks and banking, Cooperative categories.
"This book investigates the merits of a diverse banking system with a special focus on the performance and role of cooperative banks in seven European countries where they are prominent (Austria, Finland, France, Germany, Italy, the Netherlands and Spain). The theoretical and empirical arguments that are developed in this book tend to support the view that it is economically beneficial to have stakeholder-value banks with a dual bottom-line function, such as cooperative banks. For those who accept this premise, it would suggest that policy-makers should not take or support actions that could jeopardise this valuable element of the financial system in various countries in Europe and of the emerging integrated European financial system."--Publisher description.
Distance Rating Systems And Enterprise Finance
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Author : Franz Flögel
language : en
Publisher: Routledge
Release Date : 2018-07-27
Distance Rating Systems And Enterprise Finance written by Franz Flögel and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-07-27 with Business & Economics categories.
In response to the credit crunch during the global financial crisis of 2007–2008, many have called for the re-establishment of regional banks in the UK and elsewhere. In this context, Germany’s regional banking system, with its more than 1,400 small and regional savings banks and cooperative banks, is viewed as a role model in the financing of small and medium-sized enterprises (SMEs). However, in line with the ‘death of distance’ debate, the universal application of ICT-based scoring and rating systems potentially obviates the necessity for proximity to reduce information asymmetries between banks and SMEs, calling into question the key advantage of regional banks. Utilising novel ethnographic findings from full-time participant observation and interviews, this book presents intimate insights into regional savings banks and compares their SME lending practices with large, nationwide-operating commercial banks in Germany. The ethnographic insights are contextualised by concise description of the three-pillar German banking system, covering bank regulation, structural and geographical developments, and enterprise finance. Furthermore, the book advances an original theoretical approach that combines classical banking theories with insights from social studies of finance on the (ontological) foundation of new realism. Ethnographic findings reveal varying distances of credit granting depending on the rating results, i.e. large banks allocate considerable credit-granting authority to local staff and therefore challenge the proximity advantages of regional banks. Nevertheless, by presenting case studies of lending to SMEs, the book demonstrates the ability of regional banks to capitalise on proximity when screening and monitoring financially distressed SMEs and explains why the suggestion that ICT can substitute for proximity in SME lending has to be rejected.
Banking On The State
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Author : MARK K. CASSELL
language : en
Publisher:
Release Date : 2020-11-30
Banking On The State written by MARK K. CASSELL and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-11-30 with categories.
Germany's Sparkassen are publicly held savings banks. No other advanced industrial economy relies as heavily on such small, publicly-owned financial institutions to fuel its economy. Mark Cassell explores the unique entity that is the German public banking system and the lessons it offers to banking systems worldwide.
Is Germany Overbanked Market Structure And Competition
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Author : Chrysanth Herr
language : en
Publisher: GRIN Verlag
Release Date : 2007-08
Is Germany Overbanked Market Structure And Competition written by Chrysanth Herr and has been published by GRIN Verlag this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007-08 with Business & Economics categories.
Seminar paper from the year 2006 in the subject Business economics - Investment and Finance, grade: 1,3, European Business School - International University Schlo Reichartshausen Oestrich-Winkel, course: Seminar Retail Banking, 52 entries in the bibliography, language: English, abstract: German banks have come under pressure for their disappointing profitability. Indeed, rankings of developed nations along profitability indicators place Germany at the end of the scale. Critics attribute that situation mainly to the German banking system being overbanked and overbranched. The purpose of this paper is to analyze that notion and to examine the German market and competitive landscape of the retail banking industry. The analysis contains four sections. The first section compares profitability ratios and indicators of German banks to their peers' performances. The study produces surprising results. Despite the ostensibly high branch density, Germany's banks operate very cost efficiently. Yet it is their inability to generate sufficient income that results in the sluggish net earnings. Consequently, in the second section, the authors examine the German banking system and portray and compare its peculiarities in order to find out if the income problems are inherent to the system. More than in any other country, public banks dominate the market and, together with the cooperative banks, do not follow the economic principle of profit maximization. Moreover, the public banks have also received unjust government subsidies in the form of the maintenance and guarantee obligations. Thus, one presumes that private German banks operate in a very difficult system. The third section then takes a closer look at the market and analyzes the bank density, branch density and competition which the system produces. In the past, waves of intra-group consolidations have occurred. Similarly, branch networks have been thinned out especially by the private banks in an effort to cut costs. The r
Sparkasse 78 Success Secrets 78 Most Asked Questions On Sparkasse What You Need To Know
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Author : Roger Baker, MD
language : en
Publisher: Emereo Publishing
Release Date : 2014-11-14
Sparkasse 78 Success Secrets 78 Most Asked Questions On Sparkasse What You Need To Know written by Roger Baker, MD and has been published by Emereo Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-11-14 with Reference categories.
THE Guide to Sparkasse. There has never been a Sparkasse Guide like this. It contains 78 answers, much more than you can imagine; comprehensive answers and extensive details and references, with insights that have never before been offered in print. Get the information you need--fast! This all-embracing guide offers a thorough view of key knowledge and detailed insight. This Guide introduces what you want to know about Sparkasse. A quick look inside of some of the subjects covered: ATM usage fees - Germany, Hesse - Economy, Erste Group - Subsidiaries in Central and Eastern Europe, Central business district - Bosnia and Herzegovina, Mortgage loan - Jurisdictional perspectives, Darmstadt University of Technology - Knowledge transfer, Creditanstalt - Second Republic, ATP Challenger Tour - List of events, Landesbank Berlin Holding, BayernLB - Main business activities, Girocard, Savings bank - By Country, Helaba - Legal form and owners, Erste Group - Merger with GiroCredit, DZ Bank, Erste Group - Transfer to a joint-stock company, Deutscher Sparkassen- und Giroverband, Helaba - History, German public bank - Landesbanken, Helaba - Business fields, Volksbanken und Raiffeisenbanken - FinanzVerbund, Bochum - Sports, Bochum - Located companies, Index of chess articles - Tournaments, Bundesverband Offentlicher Banken Deutschlands - Associated Members, Chess - Organization of competitions, List of tennis tournaments - Men, Mobile identity management - Austria, Ludwigsburg - Local businesses, Dortmund Sparkassen Chess Meeting, List of banks in Hong Kong - Europe, Siegen - Siegen foundations (Stiftungen), Postal savings system - Defunct systems, Ruslan Ponomariov - Post-championship career, Landshut - Venues, Braunschweig - Sports, WestLB - History, Internet banking - Security, and much more...
Savings Banks And Banks
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Author : Roland Ostertag
language : de
Publisher:
Release Date : 1961
Savings Banks And Banks written by Roland Ostertag and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1961 with Bank buildings categories.