Bank
Revenues Largest Online Bank
Banking online can be said that the crisis does not jump up and operating the largest online bank in Spain has ended 2009 with a loss of 15.60 million euros, is very different from the year 2008 with a profit of € 7,950,000, because the red numbers in the Undo-e, child BBVA company.
So, four of the most important entities in the balance of AEB, these entities: Bank Popular-e, Undo-e, Scamander Consumer and inverse Open only child BBVA bank losses hit record, which came to 32, 93 million euros.
With huge losses with Undo-e, threw down mutual advantage in this sector, beyond the others closed with gains. One of the factors that affect the performance of its subsidiary BBVA is the increase in provisions for impairment losses on assets and investment loans, which increased by 37 million euros to 87 million.
Not including the One-e, the benefits of a leading bank in the Internet came to € 17,320,000 in 2009, representing 16% less than a year earlier by the Popular Bank, and the inverse Open bank, and noted with € 20,750,000.
To drop a result, aided by a significant reduction in the benefits of Open bank, and in 2008 had revenues of € 17,230,000, and profits, 2009 was 1.77 million in 2009.
Thus, the agency lowered interest margin and gross profit margin of more than 24%, while the cost of commissions down 4 million while the allocation for impairment on loans and receivables rose to € 124,000.
In contrast, the largest increase in benefits obtained Popular Bank-e, so the profit € 10,230,000, compared with € 1,520,000 in 2008.
Meanwhile, another inverse of those who obtain a significant increase in their profits, from 1.52 million in 2008 to € 5,310,000 in 2009.
ING Direct Spain, not collected in the AEB to other balance sheet in addition to online, the present results together with Dutch group achieved a gross profit of 75 million in 2009, is 70.5% more.
Online Best Internet Bank
2.0 Study the influence of a mark in society. Showed that although the banking sector is one sector with less sympathy for the Internet, more than that BBVA, Saba dell, Scamander capture the best picture.
As the data provided by research showing that BBVA, Saba Scamander dell and the Bank is one of the first in the list of financial institutions in Spain with the best reputation on the Internet by consumers.
While in terms of image, Box Spain, La Caixa and Bank Reverend, Bank Popular, Caja Madrid and Unicaja is the country with more critical.
If you are looking for reasons why some receive a negative note, for such cases charge a fee for service, the system is not secure or failure of savings on loans or mortgages and even mergers between banks are some of the causes of poor image on the Internet.
For banks, only 30% of them and the boxes they use the benefits of social networking to enhance their image with customers.
Spanish Banks Selling Online
The Internet has become one of the channel increases as the product various markets. In fact, the Spanish financial sector began to benefit from their online presence, but without reaching U.S. institutions, which have more commercial and aggressive speech. Increased use of video marketing, up from a bank or a mobile version of the strategy ‘buzz’ is some tendency to increase. But what the banks can sell more online?
According to the ranking of ’2 º persuadability study online banking ‘by Multiply, strategy consulting, digital marketing and persuadability, La Caiman, Bank Popular and Scamander Spanish bank is their best leverage their online presence to market their products. This study, which define what will be the best bank in terms of public areas of your online presence, have reviewed the largest 20 banks in Spain compared with the first five U.S…
Besides the three companies, the list continues with the fourth position Banister, Caiman Nova and will follow, dell Saba Bank, Barclays, Banana, Caiman Galicia and BBVA in tenth place. Complete ranking to number 20 occupied by Father Bank.
The study found that Americans are still more clearly the concept of online office, without a physical presence, compared with a Spanish bank. In this case, U.S. banks use more intuitive settings, access to the products of user needs, and use of the comparator, while as a result of the crisis, has been a shift towards a broader gift to buy the product.
Another difference between Spanish and American institutions in our country is that the bank’s security policy on the Internet is taken for granted, while in the United States are defined in a very visible web. In addition, Web 2.0 did not catch on enough in this sector: according to this study, the Spanish bank was still using it in their online strategy, although the United States considered being only modest in the assessment as an argument to sell the product.
Electronic Banking Users Increase
Increasing electronic banking users in Venezuela. Banking came to changing times. Although there is evidence of modernization as a whole, it is clear that technological developments are still under development. So he tells a story published in The World Economy & Business.
Internet Banking Banes co home to nearly 2 million subscribers a month running average of 46.06 million transactions. More than 42% of Commercial Operations conducted online, and recently launched a new debit and credit cards with a chip, which includes the installation of smart ATMs across the country.
Rodolfo Gaspers, Managing Director of Business Information Architecture, said one of the organization’s mission now “think in terms of customers and bring them to the electronic channel, not only in the field of products and services, but also security.”
It is undeniable that the future of banking will be virtual, and that the agencies and shall deposit leaves into not being used. Emilio Zárraga, vice president of Payment System and Bank Products Bolivar, said the agency has developed a technology migration projects.
“Chip cards will enable these institutions to protect data and customer information.” Zárraga projected technology platform for new tools will be ready in the first half of 2010.