Liebe Leser
liebe Leserrinen
bestbanking Informiert über Sie den Inhalt der Aktuellen Ausgabe:
Bargeldlos: Barcode statt Bargeld
Vertrieb: Strategisches Primärziel Kundenfocus
Mobil: Ein cooles Handy ist nicht Genug Oder doch?
Filiale: Renaissance des AKT
This document discusses government debt and fiscal deficits in Central and Eastern European (CEE) countries compared to other parts of Europe and the US. The key points are:
1) Public debt levels in CEE countries are generally lower than the Eurozone average, with most below 60% of GDP except for Hungary which is below the average at 77% of GDP.
2) Foreign ownership of government bonds is relatively low in CEE countries, around a quarter of debt on average compared to two thirds in Greece.
3) While budget consolidation is important, growth rates in the CEE region are above developed markets so deficits differ, with lower deficits where growth is higher.
Liebe Leser
liebe Leserrinen
bestbanking Informiert über Sie den Inhalt der Aktuellen Ausgabe:
Bargeldlos: Barcode statt Bargeld
Vertrieb: Strategisches Primärziel Kundenfocus
Mobil: Ein cooles Handy ist nicht Genug Oder doch?
Filiale: Renaissance des AKT
This document discusses government debt and fiscal deficits in Central and Eastern European (CEE) countries compared to other parts of Europe and the US. The key points are:
1) Public debt levels in CEE countries are generally lower than the Eurozone average, with most below 60% of GDP except for Hungary which is below the average at 77% of GDP.
2) Foreign ownership of government bonds is relatively low in CEE countries, around a quarter of debt on average compared to two thirds in Greece.
3) While budget consolidation is important, growth rates in the CEE region are above developed markets so deficits differ, with lower deficits where growth is higher.
The document summarizes results from a 2012 report on European retail banking. It finds that while income has almost returned to pre-crisis 2007 levels, profits remain 15% below. Banks in Spain, Portugal, and Italy face declining income and increasing risk provisions. Cost containment has kept cost-to-income ratios stable. Nordic banks focusing on digital transformation and costs have seen better performance. More efforts are expected to overhaul delivery and service models given higher risks and capital needs. Income and profits vary widely between countries.
The document summarizes that while customer satisfaction with banks remains high in most regions, customers also express low levels of trust, confidence, and loyalty toward banks. This creates contradictory sentiments. Positive customer experiences are needed to strengthen relationships and improve loyalty, but currently less than half of customers are having positive experiences through most channels. The mobile channel saw the largest increase in positive experiences and could accelerate adoption more quickly than internet banking, despite some concerns regarding mobile banking.
The document summarizes results from a 2012 report on European retail banking. It finds that while income has almost returned to pre-crisis 2007 levels, profits remain 15% below. Banks in Spain, Portugal, and Italy face declining income and increasing risk provisions. Cost containment has kept cost-to-income ratios stable. Nordic banks focusing on digital transformation and costs have seen better performance. More efforts are expected to overhaul delivery and service models given higher risks and capital needs. Income and profits vary widely between countries.
The document summarizes that while customer satisfaction with banks remains high in most regions, customers also express low levels of trust, confidence, and loyalty toward banks. This creates contradictory sentiments. Positive customer experiences are needed to strengthen relationships and improve loyalty, but currently less than half of customers are having positive experiences through most channels. The mobile channel saw the largest increase in positive experiences and could accelerate adoption more quickly than internet banking, despite some concerns regarding mobile banking.
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