Deutsche Bank’s Pan-European Retail Banking Strategy

NAB, market segment strategies are different that ANZ, NAB are more focus on domestic markets in Australia and New Zealand, as their strategy is built around delivering a great customer experience, with a vision of being Australia and New Zealand’s most respected bank. In additional, NAB’s organisational structure focus in Business banking, personal Banking but underweight retail bank while ANZ was focus in all different function that includes retail bank and mass affluent. ANZ has an ambition to become a super regional bank that providing the scale and quality of a global business to customers in core markets of Australia, New Zealand, Asia and Pacific. ANZ are more focus on global markets outside Australia and New Zealand, ANZ has recently expanded their business in Asia since 1969 to establishes representative office in Japan.

Moreover, merger of the two companies carries along risks to human resources as it increases in insecurity among employees, lower levels of satisfaction at work, less affective commitment, and a loss of trust in the firms and management teams. Those issues would lead to difficulty in bending cultures, reductions in service levels, poor motivation and loss of key people and clients, and eventually impede the ability of the two companies to achieve their longer-term objectives and result in the failure of merger. [9]

A worker at Tesco PLC may have conflicts with the owners due to not reinvesting profits in the wrong way such as reinvesting profits into the products such as food. So, then Tesco PLC can sell more higher quality products such as the food to their customers. While this is a conflict as the workers would want to have profits reinvested into their wages instead. Another conflict may be with the managers over their treatments. For example, not being fair to the workers on working times. This is a conflict because of the workers wanting different to what the managers want. Also, a conflict may be with the customers over the quality of service given. For example, workers or customers being

Barclays envisions itself as a leading transatlantic bank. It aims to generate sustainable value for its shareholders by emerging as one of the biggest consumer, corporate and investment banks catering some 24 million customers in the Personal, Wealth and Business Banking domains. Barclays aims to achieve this through its two business divisions namely Barclays UK and Barclays International. Following are some key strategic aims and objectives of the Group.

In my opinion, one of the main conflicts existing in the company is caused by the lack of communication and the human resource management. In order for the development of the company, Mr. Heubel should promote participation, open process to produce commitment, maintain a balance between human needs and formal roles , develop relationships and keep people involved. He should also strengthen the communications and exchange information, needs, and feelings for involvement. Greta should also communicate with his father and brother effectively to solve the conflict and helped to create a free environment for cooperation and communication.

b. List three differences you found between the accounts and features this bank or credit union offers and the bank from

However, the implementation of this strategy does pose some disadvantages for NAB. The choice of NAB to reduce their products offered could potentially result in a loss of existing clientele, if these customers prioritised the use of these products. In this case, this customer segment may be inclined to move to a competing bank which offers the specific product the customer requires. This strategy also results in a large number of job cuts within NAB. This can have a negative impact on NAB's

Very profitable on the long run as the potential customer base is very large. Plus the premium image of the bank should be attractive for middle class households looking for status.

The economic recession of 2009 pushed some financial institutions to bankruptcy. The banking industry was also a victim of this economic hardship. Some solid institutions like Bank of America, Trust Bank, and Wells Fargo take over other banks for different reasons: market power, diversification, cost savings, and external growth. These banks acquire all the assets and the liabilities of another bank. These banks obtained the property rights and new market power. This research paper is to look at the economic advantages of the merger and to make some predictions.

4) The path that led to adoption of the euro was set down in the:

2. What are the key problems related to cultural differences and which integration approach should the company follow to overcome these problems?

“We aim to become a super regional bank. This involves growing our presence in the Asia pacific region and sourcing 25-30% of earnings from our Asia Pacific Europe and America division by 2017, while also being very focused on growth in our core domestic businesses in Australia and New Zealand.”

Following the merger of Deutsche Bank and Bergisch-Märkischen Bank in 1914 and Norddeutschen Creditanstalt and Bergisch-Märkischen Bank in 1917 Deutsche Bank became the biggest universal bank in the world with roughly 40 branch offices. Over the next years many mergers, participations and stock swaps followed. In 1929 The biggest ever merger in German banking history creates the “Deutsche Bank und Disconto-Gesellschaft”. The concentration throughout the industry and the increasing costs were the main reasons for this merger. Due to this strategy Deutsche Bank was able to establish a branch network all over Germany. This merger increased the number of branches to roughly 300 branch offices.[3]

According to group´s performance from 2002-2006 identifies that Barclays´ performance underpinnings are represented by its strategy of acquiring other banking (such as ABN Amro and Banco Zaragozano) concerns to expand its retail as well as other banking services through representation in international markets as represented by the bank’s presence in 60 countries. This provides Barclays with the means to sell its highly profitable investment banking services as well as be positioned to service the cadre of multinational companies that utilize its diverse banking financial service packages.

Private banking industry has changed in a very basic way, driven by many key factors such as: free competition systems, modern developments in information technology (in particular, developments of the internet), and changing demographics. Private banks now operate in an environment shaped by increasing and shifting regulations, and in markets influenced by the uncontrolled situations of the world economy and geopolitical issues.