{"id":18891,"date":"2020-02-26T12:07:25","date_gmt":"2020-02-26T11:07:25","guid":{"rendered":"http:\/\/www.raulbartolome.com\/?p=18891"},"modified":"2025-08-30T00:01:55","modified_gmt":"2025-08-29T22:01:55","slug":"if-i-were-the-director-of-a-deutsche-bank-neighborhood-bank","status":"publish","type":"post","link":"https:\/\/raulbartolome.com\/es\/if-i-were-the-director-of-a-deutsche-bank-neighborhood-bank\/","title":{"rendered":"Si yo fuera el director de un banco de barrio de Deutsche Bank"},"content":{"rendered":"<p>La subsidiaria de Deutsche Bank (DB) est\u00e1 ubicada en el barrio de Bogenhause en Munich, Alemania. Bogenhause es un barrio residencial, ubicado en las afueras de Munich, Wikipedia (2020) destaca las siguientes caracter\u00edsticas:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Poblaci\u00f3n de 85.971 habitantes en 2018, de los cuales 24% son inmigrantes.<\/li><li>Estructura social equilibrada con dominio de clase media-alta.<\/li><li>Buena conexi\u00f3n con transporte p\u00fablico a trav\u00e9s de tranv\u00eda, metro, tren y autob\u00fas.<\/li><li>Las actividades econ\u00f3micas se concentraron en Arabella Park con numerosas cl\u00ednicas privadas, bancos, entidades comerciales, algunos hoteles de 5 y 4 estrellas y una actividad manufacturera muy limitada.<\/li><li>El barrio cuenta con 3 centros culturales, 5 centros educativos y 6 instituciones p\u00fablicas<\/li><\/ul>\n\n\n\n<p>M\u00e1s concretamente, la sucursal est\u00e1 ubicada en Regina-Ullmann-Stra\u00dfe, una calle t\u00edpica del barrio de Bogenhause con 3 supermercados, 2 filiales bancarias competidoras de DB, 3 panader\u00edas, 5 restaurantes y otros servicios.<\/p>\n\n\n\n<p>Como director de la filial, es consciente de la cantidad de retos a los que se encuentra sumido el banco y presta especial atenci\u00f3n a los aspectos espec\u00edficos de la filial.<\/p>\n\n\n\n<p>DK muestra un desempe\u00f1o deficiente, con una tendencia en la capitalizaci\u00f3n de mercado y una disminuci\u00f3n del valor de las acciones durante 10 a\u00f1os. Una renta reducida y en unos a\u00f1os negativos. Un margen de beneficio neto (TTM) de -18% y REO (TTM) de -0,29% (<a href=\"https:\/\/www.reuters.com\/companies\/DBKGn.DE\/key-metrics\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Reuters (se abre en una nueva pesta\u00f1a)\">Reuters<\/a>, 2020). Tu filial es un negocio que no genera deudas, con un flujo de caja positivo, pero la rentabilidad por debajo del coste del dinero, lo que no te pone en una posici\u00f3n c\u00f3moda. Quiere impresionar al CEO con un paquete de medidas que mejorar\u00e1n el desempe\u00f1o financiero de su subsidiaria.<\/p>\n\n\n\n<p>La filial brinda los servicios financieros t\u00edpicos de un banco universal, con cuentas corrientes, cajas de ahorro, cuentas de corretaje, pero sin la parte de banca personal para clientes de grandes capitales ni servicios corporativos.<\/p>\n\n\n\n<p>Sugieres un plan para mejorar el desempe\u00f1o de la negociaci\u00f3n basado en los siguientes pilares:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Estrategia de marketing y captaci\u00f3n de nuevos clientes. Promoci\u00f3n de la sucursal en el barrio mediante comunicaci\u00f3n en los buzones, llamadas telef\u00f3nicas personalizadas, agentes promotores en supermercados y restaurantes cercanos y publicidad online en redes sociales.<\/li><li>Reducci\u00f3n de costo. El n\u00famero de clientes que acude f\u00edsicamente a la oficina va disminuyendo a\u00f1o tras a\u00f1o, sugieres la reducci\u00f3n de personal y los existentes deber\u00edan cubrir m\u00e1s servicios.<\/li><li>Nuevos servicios. El poder adquisitivo de los residentes del barrio est\u00e1 creciendo. Usted cree que un servicio m\u00e1s personalizado para atraer clientes de alto poder adquisitivo traer\u00e1 m\u00e1s beneficio a la subsidiaria. En la reestructuraci\u00f3n de personal, minimizas el n\u00famero de cajeros autom\u00e1ticos y fomentas la formaci\u00f3n de los trabajadores para la gesti\u00f3n de cartera y el asesoramiento financiero personalizado. <\/li><\/ul>","protected":false},"excerpt":{"rendered":"<p>La filial del Deutsche Bank (DB) est\u00e1 ubicada en el barrio de Bogenhause en Munich, Alemania. Bogenhause es un barrio residencial, situado en las afueras de M\u00fanich.<br \/>\nComo director de la filial, usted es consciente de la cantidad de retos a los que se enfrenta el banco y presta especial atenci\u00f3n a los aspectos espec\u00edficos de la filial.<\/p>","protected":false},"author":1,"featured_media":22203,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"0","ocean_second_sidebar":"0","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"0","ocean_custom_header_template":"0","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"0","ocean_menu_typo_font_family":"0","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"enable","ocean_disable_heading":"enable","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"background-image","ocean_post_title_background_color":"","ocean_post_title_background":22203,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"0","osh_disable_topbar_sticky":"default","osh_disable_header_sticky":"default","osh_sticky_header_style":"default","osh_sticky_header_effect":"","osh_custom_sticky_logo":0,"osh_custom_retina_sticky_logo":0,"osh_custom_sticky_logo_height":0,"osh_background_color":"","osh_links_color":"","osh_links_hover_color":"","osh_links_active_color":"","osh_links_bg_color":"","osh_links_hover_bg_color":"","osh_links_active_bg_color":"","osh_menu_social_links_color":"","osh_menu_social_hover_links_color":"","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"off","ocean_gallery_id":[],"footnotes":""},"categories":[913,439,488],"tags":[828,819,225,825],"class_list":["post-18891","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-finance","category-management","tag-bancos","tag-bancos-alemanes","tag-banks","tag-german-banks","entry","has-media","owp-thumbs-layout-horizontal","owp-btn-normal","owp-tabs-layout-section","has-no-thumbnails"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - 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