{"id":19040,"date":"2020-02-29T11:19:01","date_gmt":"2020-02-29T10:19:01","guid":{"rendered":"http:\/\/www.raulbartolome.com\/the-banks-situation-in-germany\/"},"modified":"2025-08-30T00:01:55","modified_gmt":"2025-08-29T22:01:55","slug":"the-banks-situation-in-germany","status":"publish","type":"post","link":"https:\/\/raulbartolome.com\/es\/the-banks-situation-in-germany\/","title":{"rendered":"La situaci\u00f3n del banco en Alemania"},"content":{"rendered":"<p>No tengo mucha experiencia con bancos alemanes, solo trabajo con N26, que es un banco puramente en l\u00ednea. En general, los bancos alemanes son muy cl\u00e1sicos, requieren que te comuniques en alem\u00e1n y pagues una peque\u00f1a tarifa por las cuentas corrientes. De los grandes bancos, el m\u00e1s internacional es Deutsche Bank.<\/p>\n\n\n\n<p>En general, los bancos alemanes se encuentran en una situaci\u00f3n m\u00e1s complicada en t\u00e9rminos de rentabilidad que sus hom\u00f3logos de otros pa\u00edses de la UE debido a unos tipos de inter\u00e9s muy bajos (<a href=\"https:\/\/www.cnbc.com\/2019\/08\/15\/citi-german-banks-are-in-a-worse-position-than-the-rest-of-europe.html\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (se abre en una nueva pesta\u00f1a)\">CNBC<\/a>, 2019). Uno de los principales problemas es la proliferaci\u00f3n de peque\u00f1as cajas de ahorros, existen en el pa\u00eds unas 400 cajas de ahorros conocidas como Sparkassen, que representan el 15 por ciento de los activos totales del sector bancario (<a href=\"https:\/\/internationalbanker.com\/banking\/tough-times-persist-for-german-banking\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (se abre en una nueva pesta\u00f1a)\">banquero internacional<\/a>, 2019), estas cajas de ahorro presentan un servicio personalizado, de barrio, que no es gratuito.<\/p>\n\n\n\n<p>McKensey en un informe de 2019 sugiere los siguientes pilares para aumentar la rentabilidad:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Desarrollo de un enfoque al cliente. Deber\u00eda haber un cambio estrat\u00e9gico clave lejos de los productos y hacia los clientes en primer lugar. Al mismo tiempo, los bancos deber\u00edan eliminar los negocios no esenciales, lo que ayudar\u00e1 a reducir la complejidad y los costos.<\/li><li>Profundizar el procesamiento de datos anal\u00edticamente. Deben utilizar an\u00e1lisis avanzados e inteligencia artificial para reducir costos en operaciones, riesgos y cumplimiento.<\/li><li>C\u00e1mbiate a la banca digital. La digitalizaci\u00f3n puede ayudar a los bancos a alejarse de un modelo de distribuci\u00f3n f\u00edsica y mejorar significativamente la productividad.<\/li><\/ul>","protected":false},"excerpt":{"rendered":"<p>En general, los bancos alemanes se encuentran en una situaci\u00f3n m\u00e1s complicada en t\u00e9rminos de rentabilidad que sus hom\u00f3logos de otros pa\u00edses de la UE debido a unos tipos de inter\u00e9s muy bajos (CNBC, 2019). Uno de los principales problemas es la proliferaci\u00f3n de peque\u00f1as cajas de ahorro, existen alrededor de 400 cajas de ahorro en el pa\u00eds conocidas como Sparkassen, las cuales representan el 15 por ciento del total de activos del sector bancario (Internationalbanker, 2019), estas cajas de ahorro presentan un dise\u00f1o personalizado. servicio, barrio, que no es gratuito.<\/p>","protected":false},"author":1,"featured_media":22200,"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":22200,"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],"tags":[828,819,838,225,843,825],"class_list":["post-19040","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-finance","tag-bancos","tag-bancos-alemanes","tag-bancos-digitales-2","tag-banks","tag-digital-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 v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Bank&#039;s Situation in Germany - Ra\u00fal Bartolom\u00e9<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/raulbartolome.com\/es\/the-banks-situation-in-germany\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Bank&#039;s Situation in Germany - Ra\u00fal Bartolom\u00e9\" \/>\n<meta property=\"og:description\" content=\"In general, German banks are a more complicated situation in terms of profitability than their counterparts in other EU countries due to very low interest rates (CNBC, 2019). One of the main problems is the proliferation of small savings banks, there are about 400 savings banks in the country known as Sparkassen, which represent 15 percent of the total assets of the banking sector (Internationalbanker, 2019), these boxes savings present a personalized service, neighborhood, which is not free of cost.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/raulbartolome.com\/es\/the-banks-situation-in-germany\/\" \/>\n<meta property=\"og:site_name\" content=\"Ra\u00fal Bartolom\u00e9\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/rbartolomecastro\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/rbartolomecastro\" \/>\n<meta property=\"article:published_time\" content=\"2020-02-29T10:19:01+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-29T22:01:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/raulbartolome.com\/wp-content\/uploads\/2020\/02\/buildings-1804481_v2.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1280\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ra\u00fal Bartolom\u00e9\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@raulbartolome\" \/>\n<meta name=\"twitter:site\" content=\"@raulbartolome\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ra\u00fal Bartolom\u00e9\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minuto\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/raulbartolome.com\\\/the-banks-situation-in-germany\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/raulbartolome.com\\\/the-banks-situation-in-germany\\\/\"},\"author\":{\"name\":\"Ra\u00fal Bartolom\u00e9\",\"@id\":\"https:\\\/\\\/raulbartolome.com\\\/#\\\/schema\\\/person\\\/728a70a0ee01a96dc17e5dd8c5f8e95e\"},\"headline\":\"The Bank&#8217;s Situation in Germany\",\"datePublished\":\"2020-02-29T10:19:01+00:00\",\"dateModified\":\"2025-08-29T22:01:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/raulbartolome.com\\\/the-banks-situation-in-germany\\\/\"},\"wordCount\":222,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/raulbartolome.com\\\/#\\\/schema\\\/person\\\/728a70a0ee01a96dc17e5dd8c5f8e95e\"},\"image\":{\"@id\":\"https:\\\/\\\/raulbartolome.com\\\/the-banks-situation-in-germany\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/raulbartolome.com\\\/wp-content\\\/uploads\\\/2020\\\/02\\\/buildings-1804481_v2.jpeg\",\"keywords\":[\"bancos\",\"bancos alemanes\",\"bancos digitales\",\"banks\",\"digital banks\",\"german banks\"],\"articleSection\":[\"Articles\",\"Finance\"],\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/raulbartolome.com\\\/the-banks-situation-in-germany\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/raulbartolome.com\\\/the-banks-situation-in-germany\\\/\",\"url\":\"https:\\\/\\\/raulbartolome.com\\\/the-banks-situation-in-germany\\\/\",\"name\":\"The Bank's Situation in Germany - Ra\u00fal Bartolom\u00e9\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/raulbartolome.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/raulbartolome.com\\\/the-banks-situation-in-germany\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/raulbartolome.com\\\/the-banks-situation-in-germany\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/raulbartolome.com\\\/wp-content\\\/uploads\\\/2020\\\/02\\\/buildings-1804481_v2.jpeg\",\"datePublished\":\"2020-02-29T10:19:01+00:00\",\"dateModified\":\"2025-08-29T22:01:55+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/raulbartolome.com\\\/the-banks-situation-in-germany\\\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/raulbartolome.com\\\/the-banks-situation-in-germany\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/raulbartolome.com\\\/the-banks-situation-in-germany\\\/#primaryimage\",\"url\":\"https:\\\/\\\/raulbartolome.com\\\/wp-content\\\/uploads\\\/2020\\\/02\\\/buildings-1804481_v2.jpeg\",\"contentUrl\":\"https:\\\/\\\/raulbartolome.com\\\/wp-content\\\/uploads\\\/2020\\\/02\\\/buildings-1804481_v2.jpeg\",\"width\":1920,\"height\":1280},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/raulbartolome.com\\\/the-banks-situation-in-germany\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Ra\u00fal Bartolom\u00e9\",\"item\":\"https:\\\/\\\/raulbartolome.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Articles\",\"item\":\"https:\\\/\\\/raulbartolome.com\\\/category\\\/articles\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Finance\",\"item\":\"https:\\\/\\\/raulbartolome.com\\\/category\\\/articles\\\/finance\\\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"The Bank&#8217;s Situation in Germany\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/raulbartolome.com\\\/#website\",\"url\":\"https:\\\/\\\/raulbartolome.com\\\/\",\"name\":\"Ra\u00fal Bartolom\u00e9\",\"description\":\"Engineering, Management and Finance\",\"publisher\":{\"@id\":\"https:\\\/\\\/raulbartolome.com\\\/#\\\/schema\\\/person\\\/728a70a0ee01a96dc17e5dd8c5f8e95e\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/raulbartolome.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":[\"Person\",\"Organization\"],\"@id\":\"https:\\\/\\\/raulbartolome.com\\\/#\\\/schema\\\/person\\\/728a70a0ee01a96dc17e5dd8c5f8e95e\",\"name\":\"Ra\u00fal Bartolom\u00e9\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/raulbartolome.com\\\/wp-content\\\/uploads\\\/2020\\\/02\\\/Raul-Bartolome-IMG_1090-2.jpeg\",\"url\":\"https:\\\/\\\/raulbartolome.com\\\/wp-content\\\/uploads\\\/2020\\\/02\\\/Raul-Bartolome-IMG_1090-2.jpeg\",\"contentUrl\":\"https:\\\/\\\/raulbartolome.com\\\/wp-content\\\/uploads\\\/2020\\\/02\\\/Raul-Bartolome-IMG_1090-2.jpeg\",\"width\":640,\"height\":640,\"caption\":\"Ra\u00fal Bartolom\u00e9\"},\"logo\":{\"@id\":\"https:\\\/\\\/raulbartolome.com\\\/wp-content\\\/uploads\\\/2020\\\/02\\\/Raul-Bartolome-IMG_1090-2.jpeg\"},\"sameAs\":[\"https:\\\/\\\/raulbartolome.com\\\/\",\"https:\\\/\\\/www.facebook.com\\\/rbartolomecastro\",\"https:\\\/\\\/www.instagram.com\\\/rbartolomec\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/rbartolomecastro\",\"https:\\\/\\\/x.com\\\/raulbartolome\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UCY7Pef7CeZf-8t9ALthQRqA\\\/\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"La situaci\u00f3n de la banca en Alemania - Ra\u00fal Bartolom\u00e9","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/raulbartolome.com\/es\/the-banks-situation-in-germany\/","og_locale":"es_ES","og_type":"article","og_title":"The Bank's Situation in Germany - Ra\u00fal Bartolom\u00e9","og_description":"In general, German banks are a more complicated situation in terms of profitability than their counterparts in other EU countries due to very low interest rates (CNBC, 2019). One of the main problems is the proliferation of small savings banks, there are about 400 savings banks in the country known as Sparkassen, which represent 15 percent of the total assets of the banking sector (Internationalbanker, 2019), these boxes savings present a personalized service, neighborhood, which is not free of cost.","og_url":"https:\/\/raulbartolome.com\/es\/the-banks-situation-in-germany\/","og_site_name":"Ra\u00fal Bartolom\u00e9","article_publisher":"https:\/\/www.facebook.com\/rbartolomecastro","article_author":"https:\/\/www.facebook.com\/rbartolomecastro","article_published_time":"2020-02-29T10:19:01+00:00","article_modified_time":"2025-08-29T22:01:55+00:00","og_image":[{"width":1920,"height":1280,"url":"https:\/\/raulbartolome.com\/wp-content\/uploads\/2020\/02\/buildings-1804481_v2.jpeg","type":"image\/jpeg"}],"author":"Ra\u00fal Bartolom\u00e9","twitter_card":"summary_large_image","twitter_creator":"@raulbartolome","twitter_site":"@raulbartolome","twitter_misc":{"Escrito por":"Ra\u00fal Bartolom\u00e9","Tiempo de lectura":"1 minuto"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/raulbartolome.com\/the-banks-situation-in-germany\/#article","isPartOf":{"@id":"https:\/\/raulbartolome.com\/the-banks-situation-in-germany\/"},"author":{"name":"Ra\u00fal Bartolom\u00e9","@id":"https:\/\/raulbartolome.com\/#\/schema\/person\/728a70a0ee01a96dc17e5dd8c5f8e95e"},"headline":"The Bank&#8217;s Situation in Germany","datePublished":"2020-02-29T10:19:01+00:00","dateModified":"2025-08-29T22:01:55+00:00","mainEntityOfPage":{"@id":"https:\/\/raulbartolome.com\/the-banks-situation-in-germany\/"},"wordCount":222,"commentCount":0,"publisher":{"@id":"https:\/\/raulbartolome.com\/#\/schema\/person\/728a70a0ee01a96dc17e5dd8c5f8e95e"},"image":{"@id":"https:\/\/raulbartolome.com\/the-banks-situation-in-germany\/#primaryimage"},"thumbnailUrl":"https:\/\/raulbartolome.com\/wp-content\/uploads\/2020\/02\/buildings-1804481_v2.jpeg","keywords":["bancos","bancos alemanes","bancos digitales","banks","digital banks","german banks"],"articleSection":["Articles","Finance"],"inLanguage":"es","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/raulbartolome.com\/the-banks-situation-in-germany\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/raulbartolome.com\/the-banks-situation-in-germany\/","url":"https:\/\/raulbartolome.com\/the-banks-situation-in-germany\/","name":"La situaci\u00f3n de la banca en Alemania - Ra\u00fal Bartolom\u00e9","isPartOf":{"@id":"https:\/\/raulbartolome.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/raulbartolome.com\/the-banks-situation-in-germany\/#primaryimage"},"image":{"@id":"https:\/\/raulbartolome.com\/the-banks-situation-in-germany\/#primaryimage"},"thumbnailUrl":"https:\/\/raulbartolome.com\/wp-content\/uploads\/2020\/02\/buildings-1804481_v2.jpeg","datePublished":"2020-02-29T10:19:01+00:00","dateModified":"2025-08-29T22:01:55+00:00","breadcrumb":{"@id":"https:\/\/raulbartolome.com\/the-banks-situation-in-germany\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/raulbartolome.com\/the-banks-situation-in-germany\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/raulbartolome.com\/the-banks-situation-in-germany\/#primaryimage","url":"https:\/\/raulbartolome.com\/wp-content\/uploads\/2020\/02\/buildings-1804481_v2.jpeg","contentUrl":"https:\/\/raulbartolome.com\/wp-content\/uploads\/2020\/02\/buildings-1804481_v2.jpeg","width":1920,"height":1280},{"@type":"BreadcrumbList","@id":"https:\/\/raulbartolome.com\/the-banks-situation-in-germany\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Ra\u00fal Bartolom\u00e9","item":"https:\/\/raulbartolome.com\/"},{"@type":"ListItem","position":2,"name":"Articles","item":"https:\/\/raulbartolome.com\/category\/articles\/"},{"@type":"ListItem","position":3,"name":"Finance","item":"https:\/\/raulbartolome.com\/category\/articles\/finance\/"},{"@type":"ListItem","position":4,"name":"The Bank&#8217;s Situation in Germany"}]},{"@type":"WebSite","@id":"https:\/\/raulbartolome.com\/#website","url":"https:\/\/raulbartolome.com\/","name":"Ra\u00fal Bartolom\u00e9","description":"Ingenier\u00eda, Gesti\u00f3n y Finanzas","publisher":{"@id":"https:\/\/raulbartolome.com\/#\/schema\/person\/728a70a0ee01a96dc17e5dd8c5f8e95e"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/raulbartolome.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":["Person","Organization"],"@id":"https:\/\/raulbartolome.com\/#\/schema\/person\/728a70a0ee01a96dc17e5dd8c5f8e95e","name":"Ra\u00fal Bartolom\u00e9","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/raulbartolome.com\/wp-content\/uploads\/2020\/02\/Raul-Bartolome-IMG_1090-2.jpeg","url":"https:\/\/raulbartolome.com\/wp-content\/uploads\/2020\/02\/Raul-Bartolome-IMG_1090-2.jpeg","contentUrl":"https:\/\/raulbartolome.com\/wp-content\/uploads\/2020\/02\/Raul-Bartolome-IMG_1090-2.jpeg","width":640,"height":640,"caption":"Ra\u00fal Bartolom\u00e9"},"logo":{"@id":"https:\/\/raulbartolome.com\/wp-content\/uploads\/2020\/02\/Raul-Bartolome-IMG_1090-2.jpeg"},"sameAs":["https:\/\/raulbartolome.com\/","https:\/\/www.facebook.com\/rbartolomecastro","https:\/\/www.instagram.com\/rbartolomec\/","https:\/\/www.linkedin.com\/in\/rbartolomecastro","https:\/\/x.com\/raulbartolome","https:\/\/www.youtube.com\/channel\/UCY7Pef7CeZf-8t9ALthQRqA\/"]}]}},"_links":{"self":[{"href":"https:\/\/raulbartolome.com\/es\/wp-json\/wp\/v2\/posts\/19040","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/raulbartolome.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/raulbartolome.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/raulbartolome.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/raulbartolome.com\/es\/wp-json\/wp\/v2\/comments?post=19040"}],"version-history":[{"count":1,"href":"https:\/\/raulbartolome.com\/es\/wp-json\/wp\/v2\/posts\/19040\/revisions"}],"predecessor-version":[{"id":22927,"href":"https:\/\/raulbartolome.com\/es\/wp-json\/wp\/v2\/posts\/19040\/revisions\/22927"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/raulbartolome.com\/es\/wp-json\/wp\/v2\/media\/22200"}],"wp:attachment":[{"href":"https:\/\/raulbartolome.com\/es\/wp-json\/wp\/v2\/media?parent=19040"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/raulbartolome.com\/es\/wp-json\/wp\/v2\/categories?post=19040"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/raulbartolome.com\/es\/wp-json\/wp\/v2\/tags?post=19040"}],"curies":[{"name":"gracias","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}