‘Banks still hold 20 to 30 offices “- Financieele Dagblad (Registration)

'Banks still hold 20 to 30 offices "- Financieele Dagblad (Registration)

The traditional bank branch in village and town will disappear altogether. Banks probably keep every twenty to thirty offices, but have a very different character than the current branch.

This development presents Gerard Zandbergen , director of Locatus. This is a research firm specializing in the goings-on in the retail sector. Bank branches apply in investigating Locatus as retail.

According Zandbergen going to open banks called “flagship stores”, as known from Apple and the major fashion brands. This often large branches about brand perception. The traditional bank branch according Zandbergen ten years ‘disappeared’. Marketing experts foresee that banks continue to experiment with new forms, such as ‘pop-up stores’; temporary locations in places where many customers come together.

Halved

Het traditional bank branch, for decades a fixture in every self-respecting town or city, disappears rapidly. The number of stores where customers can already halved in the last decade justified.

are in the period from 2004 to 2014 at ABN Amro (and Fortis), ING, Rabobank and SNS REAAL 1501 bank branches disappeared, research shows that Locatus has done at the request of the FD. This is a decrease of 52%. In early November, there were 1371 bank branches in the Netherlands. The decrease was strongest outside the Randstad, which in ever larger areas no longer state bank branch. But also in the Randstad, the number of branches quickly

The big banks especially branch costs money:. Premises and staff to manning. Dutch steps meanwhile masse to mobile banking via smartphone and visit the bank branch rarely. According to the Central Bureau of Statistics has been doing for more than 80% banking via the computer.

cutting Further

Banks must also cut costs to increase their profitability. They must meet in the coming years to tougher capital requirements.

Both Rabobank and ABN Amro has announced further cut over the next years in the offices file. Rabobank wants in 2016 to around 400 branches nationwide release, now there are 566. That’s still only a third of the number of branches that the bank had ten years ago. The contraction will certainly continue. Experts expect that the departure from the scene still can go much faster than it already has been announced.

SNS REAAL is the only the four big banks that want to open new branches. The first sixty new SNS shops are already open.

ABN Amro is definitely closing offices, but has no official number announced . The bank says letting the pace of closures depend on the speed with which the customer behavior changes. But in the television program Pauw said CEO Gerrit Zalm recently that he expects to close the next three years at least 100 of the 300 offices.

Loss of jobs

This summer quantified benefit organization UWV that digitization in the financial sector coupled comes with a large job losses. After the loss of 38,000 jobs between 2007 and 2013, according to the UWV disappear the next five years, on balance, a further 15,000 jobs in the sector.

Saturday in FD Outlook: How does the bank disappears from the neighborhood and in other form reappears

Correction: The 60 new stores SNS appear under its own brand and not as Regions Bank, as this article reported earlier ANBN Amro. has approximately 300 branches and not 334.