Bančništvo v času krize in po njej

slovenian

2016

EIPF, Ekonomski inštitut d.o.o.

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.Kearney.

03.12.2022