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Narzędzia analityczne do wyboru lokalizacji
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ISBN10: 6209007538
ISBN13: 9786209007538
Publisher: Wydawnictwo Nasza Wiedza
Published: Aug 21 2025
Pages: 64
Weight: 0.22
Height: 0.15 Width: 6.00 Depth: 9.00
Language: Polish
ISBN13: 9786209007538
Publisher: Wydawnictwo Nasza Wiedza
Published: Aug 21 2025
Pages: 64
Weight: 0.22
Height: 0.15 Width: 6.00 Depth: 9.00
Language: Polish
Od 2009 roku, czyli od początku kryzysu finansowego, międzynarodowe banki centralne stale obniżają lub utrzymują na niskim poziomie podstawowe stopy procentowe. Dzięki temu państwa i banki mają dostęp do taniej plynności, a konsumenci i przedsiębiorstwa są zachęcani do (większych) inwestycji. Utrzymujące się niskie stopy procentowe i zaostrzone przepisy regulacyjne zagrażają modelowi biznesowemu banków detalicznych (np. kas oszczędnościowych i banków spóldzielczych). Model ten opiera się jednak na tym, że kasy oszczędnościowe i banki spóldzielcze są uzależnione od lokalnych klientów i dlatego potrzebują gęstej sieci oddzialów. Jest to jednak bardzo kosztowne przy odpowiednio niskiej marży odsetkowej, o której mowa powyżej. W związku z tym banki detaliczne często skupiają się na zmianach lokalizacji. Wiele z tych banków rozpoczęlo zatem przegląd swoich oddzialów, reorientację ich dzialalności gospodarczej i dostosowywanie ich do przyszlych warunków ramowych (tj. niższych przychodów) poprzez konsolidację. W tym kontekście coraz większego znaczenia nabiera wybór odpowiedniej lokalizacji i późniejsza ocena decyzji dotyczących lokalizacji w bankach detalicznych.
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