Librería Samer Atenea
Librería Aciertas (Toledo)
Kálamo Books
Librería Perelló (Valencia)
Librería Elías (Asturias)
Donde los libros
Librería Kolima (Madrid)
Librería Proteo (Málaga)
Inhaltsangabe:Abstract: The Czech banking sector has undergone a fairly dramatic development due to the large number of non-performing loans, which remain a problem for the banking industry. The industry is now driven by restructuring as a consequence of privatisation. There is a strong domination of Western banks in the market, which are successfully focusing an the banks' profitability. Efficiency is increasing through the implementation of electronic banking, associated with the closure of bank branches. The banks show a strong customer orientation, which facilitates a change in their income structure: moving away from income generated by interest towards that generated from fees and charges. Competition between the Czech banks is beginning to show similar patterns to competition in the Western markets. Although the main opportunities for entering the Czech banking market, including privatisation, are gone, some remain. The emergence of the competitive room is a result of the commonly pursued strategy of large, universal banks. These niche markets can be accessed more easily by foreign banks that take advantage of their existing structures, which in turn leads to better economies of scale. One segment with high potential is the property market. The economical development, together with the likely EU accession, facilitates high stability. Particularly suitable is the commercial properties sector. A bank carrying out activities in this market would operate at a lower credit risk than others. Retail opportunities result from the excess liquidity in the Banking industry. The high volume of primary deposits could be directed towards asset management services, such as life insurance and private pension. Famous foreign brands stand a better chance of winning peoples' trust. At the moment, there are too many restrictions preventing the banks from carrying out these activities. This will change with the Czech Republic's EU accession. There is an emerging personal loa
