347 KB53 KB200920222016Štiblar, Franjoštevilka:489str. 28-48ISSN:0351-0360COBISSID:15163473URN:URN:NBN:SI:doc-CN9HZT41slEkonomski institut Pravne fakulteteGospodarska gibanjabančništvobankeekonomska krizakrizeSlovenijaBančništvo v času krize in po njej|Banking is still in trouble. Provision of national economies with credits was excessive before and is insufficient after global financial crisis. The crucial role goes to the retail banking, which is burdened by adverse external conditions and increased competition of shadow banking. A.T. Kearney predicts significant reduction of banking branch network, which is too early for less developed countries and countries with continental (German) bank culture. Slovenia was among countries with highest amplitude of credit growth first and its reduction later. Its reduction of bank branch network during the crisis was significant, and bank branch density is currently below EU average, while the total economic efficiency of retail banking is above EU average. Delavska hranilnica used a retreat of larger banks regarding credit provision and branch network to increase its market share. Specific business model of low prices of financial services and personal banking was used successfully as an alternative to the business model proposed for the future by A.T.KearneyBančništvo v svetu je še v težavah. Kreditna oskrbljenost večine narodnih gospodarstev je bila pred globalno finančno krizo prevelika, ko je počil balon pa je po krizi še premajhna. Pri kreditiranju imajo ključno vlogo banke na drobno, ki jih obremenjujejo slabi zunanji pogoji in konkurenca ne-bank. Strateška družba A.T.Kearney napoveduje odmrtje bančnih podružnic, kar je za večino gospodarsko manj razvitih držav in s kontinentalno (germansko) kulturo bančništva še mnogo prezgodaj. Slovenija je bančne kredite pred krizo napihnila, v krizi pa premočno zaustavila. Pri tem močno zmanjšuje število bančnih podružnic, čeprav je njihova gostota v primerjavi s celotno EU podpovprečna, totalna ekonomičnost njenega bančništva na drobno pa nadpovprečna. Prehitro krčenje bančništva na drobno je izkoristila Delavska hranilnica, ki je z nižjimi cenami finančnih storitev in osebnim odnosom okrepila svoj položaj in s tem v praksi za dogleden čas pokazala alternativo poslovnemu modelu bančništva, kakor ga napoveduje A.T.KearneyTEXTznanstveno časopisjejournalsSlovenian National E-content AggregatorNational and University Library of SloveniaEIPF, Ekonomski inštitut d.o.o.