Historischer Kontext des Bankgeschäfts Die Dominanz der Immobilienfinanzierung Das Problem der Kundenbindung im „Schranksteher“-Modell Steuerung und Ressourcenallokation in Banken Herausforderungen im Firmenkundengeschäft Die Bedeutung des Kundenbetreuers und kontinuierlicher Beziehungsarbeit
Kategorie-Archive: Vertriebsmanagement
The importance of financing mobile assets
In the 2019 calendar year (according to BDL[1]) a volume of around EUR 266 billion was invested in companies in mobile assets. A rule of thumb is that around half of this is leveraged. Of these EUR 133 billion, around EUR 64 billion is accounted for by leasing (almost 2/3 captives), around EUR 17 billion„The importance of financing mobile assets“ weiterlesen
Kann die Bierstrategie ein Holzweg sein?
Das Bild wurde mit Bing/Creator erzeugt Wie war die Strategie der großen Brauereien in den letzten Jahrzehnten? Ich glaube, man kann es ganz einfach auf den Punkt bringen: Es ging darum, potenzielle Mängel oder Wahrnehmungsfehler am Produkt zu beseitigen. Die Hypothese, die dem zugrunde liegt, ist, dass sehr oft der Konsument nicht selbst über das„Kann die Bierstrategie ein Holzweg sein?“ weiterlesen
Reducing complexity in sales
Sales in banks and savings banks has changed considerably over the past few years and decades. The following should be mentioned as examples, but not conclusively: In many cases, the consultants (or relationship managers) have the impression that they are more or less left alone with this balancing act. Each of us knows slogans such„Reducing complexity in sales“ weiterlesen
Intensifying customer contacts
From customer surveys that have been carried out, the feedback can very often be read that relationship managers are often too polite and too cautious. The customers often experience them reactive: the initiative for contact usually comes from the customer and the relationship managers bring few ideas of their own. These are all subjective perceptions„Intensifying customer contacts“ weiterlesen
What distinguishes sales management?
If you move away from the level of specific tasks, processes and detailed responsibilities, you come to the overriding question: „What is sales management in a bank or savings bank?“ „Understand sales“ Sales management must understand and know sales in their own organization. This includes the relevant markets, customers and customer types, as well as„What distinguishes sales management?“ weiterlesen
Customer analysis
The first step in a comprehensive and systematic market development is the analysis of all information on customers and customer relationships (= customer analysis). Here, the information about customers and customer groups is collected, sorted, condensed and evaluated. This customer analysis is the information base and thus also the decision-making base on how to position„Customer analysis“ weiterlesen
The way to more cross-selling
The endeavor to cross-sell (CS), i.e. to sell more than just one product to a customer, is not new. The reasons are complex and range from profitability (falling customer costs, cross-sell products in banking, often without capital consumption) via the house bank claim (most important bank partner, holistic / comprehensive advice) to defending against competitors.„The way to more cross-selling“ weiterlesen
Small and large customers on financing assets with banks
Outside financing behavior and the need for advice on the part of companies depend not only on various parameters but also on the size of the company in question. Smaller businesses … • … perceive recommendations as important – given as well as received Larger companies… But good ideas are always wanted! A customer has„Small and large customers on financing assets with banks“ weiterlesen
To do a segmentation or not to do a segmentation, that is the question!
I keep seeing discussions about the pros and cons of customer segmentation. On the part of the criticism, arguments such as: „This is unrealistic“ or „The data are not accurate enough!“ Unfortunately, the proponents of customer segmentation still often include at least the argument that it is state-of-the-art. It is a shame to only do„To do a segmentation or not to do a segmentation, that is the question!“ weiterlesen
Vertriebsmanagement 