Restrukturyzacja banków komercyjnych warunkach kryzysu finansowego

Abstract

Banks, like other sectors of the economy in time of financial crisis, have to focus on other products, not requiring a risky capital-intensive involvement. The new model is just being set up, profitable customers found, rationalization of sales introduced, as well as the further computerization of banking processes. Banking is still an attractive form of investment and as such needs a more efficient development strategy. Investors should be motivated to use the bank offers. The purpose of this article is to identify both signs of financial crisis with the trend of activities of commercial banks for their development and support for customers of commercial banks. Thesis of this work is the recognition that the commercial banks suffer milder effects of the financial crisis than their customers, and that their adjustments take place mainly at the expense of bank customers, while providing incentives to invest customers' savings in banks.