丹斯克银行Danske Bank
-
丹麦 特色服务: 长期活动:
Danske Bank is a Danish bank. It was founded 5 October 1871 as Den Danske Landmandsbank, Hypothek- og Vexelbank i Kjøbenhavn (The Danish Farmers' Bank, Mortgage and Exchange Bank of Copenhagen).
Danske Bank has long been one of the largest banks in Denmark, roughly 30 percent market share, but after the acquisition of BG Bank now hold over 51 percent. Since the mid-1990s it has been expanding its operations outside of the country. In Norway it's known as Fokus Bank and in Sweden under a variety of brand names, including Östgöta Enskilda Bank. The reasons for this expansion are rooted in the increasing deregulation and internationalization of the banking sector.
The Group was created out of several mergers, the first in 1990 with rivals Handelsbanken (not affiliated with present day Handelsbanken) and Provinsbanken. That was followed by the acquisition of Danica in 1995 (renamed Danica Pension) in 1999, and a merger with BG Bank and Realkredit Danmark in 2001. 2005 saw the purchase of Northern Bank in Northern Ireland and National Irish Bank in the Republic of Ireland from the National Australia Bank, the Group's first retail operations outside Scandinavia. In 2006, Danske Bank bought the banking operations of the Finnish financial services group Sampo, which included retail banks in Finland, Latvia, Lithuania and Estonia, along with a corporate entity in Russia. The Group also maintains corporate service branches in Hamburg, Poland and London, and an outpost serving high net worth clients in Luxembourg.
Danske runs all of its operations on a single IT platform, a competitive advantage since customers can quickly transfer money between a number of countries with minimal fees.
Danske Bank was number 236 on the Fortune Global 500 list for 2009, up from 238 in 2008.
Danske银行是丹麦最大的银行。包括Danske银行团体,BG银行,Realkredit Danmark,Danica退休金和一定数量的辅助者,提供大范围的金融服务,其中包括保险,抵押财务,财产管理和不动产服务。
在丹麦, 挪威, 瑞典, 北爱尔兰和爱尔兰共和国,Danske为300多万零售顾客和一些重要的公司、协会服务。它也有很大数量的国际公司客户, 特别在北欧洲市场上。大约850,000名顾客使用银行的联机服务。
九十年代以来,丹麦银行业的发展呈现出集中化的趋势。在银行业出现了跨部门、跨行业的合并等多样化的形式。目前,丹麦金融业的主要特点表现在银行、保险公司和信贷机构三大行业的并存的局面。
丹麦金融业资产负债总额目前已经达到相当于全国国内生产总值的300%,就业人数也占到全国劳动力总和的4%。其中,商业与储蓄银行在丹麦金融业中占据最大份额,它拥有全部资产负债总额的39.8%;其次是信贷抵押银行,占总额的30.9%,保险公司排在第三位。丹麦金融体制的特征之一是家庭购买主要从信贷抵押银行贷款,因此,信贷抵押银行对于私人消费来说就显得越来越重要了。
高新科技的发展给各个银行提供机会,保持和进一步提高了对个人或企业等客户的服务,与此同时由于银行效率的提高又能在业务量增大的同时,减少银行分支机构的数目和就业人数。据丹麦国家中央银行的统计,各个商业与储蓄银行在丹麦境内的分支机构从1991年的2,652家下降到1999年底的2,188家,银行的专职业务人员同期也从51,000人缩减到40,018人。表三这些数据就展示了丹麦近十年来商业与储蓄银行的发展,从中可以看出丹麦银行业逐渐走向高度集中化,结构也趋向合理。