Category: Finance

District of forchheim: savings bank closes three branches

Three branches of sparkasse forchheim schlieben as of 1. August. For older citizens in particular, this is tantamount to a catastrophe. The associations were informed in writing by the sparkasse that personal service in the branches in reuth, dormitz and hiltpoltstein will be discontinued as of 1 january 2009. August is no longer offered like this on site, but in the nearest branches, tells gisela geldner of the french-swiss association. Harald reinsch, a member of the savings bank’s board of management, cites the steadily increasing use of the internet and digital communication channels as a reason for this. The personal service in the branches is being used less and less."In addition, the current framework conditions created by covid-19 mean that our customers are making even greater use of our additional service offerings such as telephone customer service, the internet branch with our online banking and the savings bank app", says harald reinsch. "Online banking is a thing of the past. For the young people, this is no problem, but the older people are not familiar with it. You’re pressing a wrong button", counters geldner and leaves the end of the sentence open. Geldner cites the money transactions as the next example. As association chairwoman, she also picked up cash or paid in and got to the branch by fub or by bike. But in the future, doing business at the club will mean driving to grafenberg. "The older people first have to find someone to bring them to grafenberg. An environmental problem it is too", finds geldner. So far everything for the local supply is available in the village. The doctor, a dentist, a small supermarket, the post office and pharmacies deliver to homes. Now one branch after the other seems to be going bye-bye. "If the savings bank is at least open for business on a daily basis like the raiffeisenbank", says geldner. The cooperative bank is staffed on two days. This is what the citizens can adapt to. "You can ask and get help. The older people come to the counter with their bills and the employees fill them in", woman the local councillor of the free choice. However, the savings bank branch will not be manned for some days. Chairman of the board ewald maier summarizes the new orientation of the sparkasse: "the long-standing customer and advisor relationships will of course remain in place. Our customers will continue to be served by their existing advisor. Consultation takes place in the nearest competence center or, at the customer’s request, in the original place of business or at the customer’s home. The self-service areas will also remain and can still be used by our customers around the clock." The spontaneous completion of monetary transactions is therefore not possible. So there is only the trip to forchheim, to grafenberg or to neunkirchen am brand for the dormitzer burger.

Recently renovated

Gisela geldner is surprised, since the savings bank branch in hiltpoltstein was renovated only half a year ago. There used to be a cafe there, but it has been demolished. Then the savings bank built a house in which the rooms for the banking business and employees are downstairs and an apartment upstairs. The managers of the savings bank call the decisions about their business outlet network a special challenge. "In addition to various key figures, we always take local characteristics into account", explains michael gobwein, head of the sales management and communications division. The fact that hiltpoltstein is rather remote and isolated from local traffic is known to the responsible parties. "This is another reason why we did not close the hiltpoltstein branch, but on the contrary modernized it only a short time ago. The self-service area will continue to be available to our customers around the clock, and we will continue to offer older people in particular the opportunity to receive advice on site, says gobwein. Hiltpoltstein mayor gisela schulze-bauer (BFH) has a completely different opinion: "the savings bank is a corporation under public law and is geared toward public benefit." The fact that the savings bank has to think economically is something it understands to a certain extent. "But a small part of public utility should remain. I see the responsibility in the care of the rural population. At least the counter could be manned for a few hours," says the artist, says schulze-bauer, who also expresses this in a letter to the bank’s managers. "The savings bank should not concentrate where it makes the most money. Otherwise, it is no different than other banks.", finds the mayor. She hopes for a reconsideration of the plan of the savings bank.

Info

With 31 locations, sparkasse forchheim will continue to have the densest branch network of all financial service providers in the city and district of forchheim. It has 24 staffed business units, including twelve so-called competence centers, comprehensive service offerings and seven self-service locations.

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Economist considers greek income too high

economist considers greek income too high

"Incomes are too high compared to the current performance of the greek economy."Such harsh adjustments cannot be circumvented even if greece leaves the euro. "The structural reforms are painful for the greek people. But they have to come anyway, so that the economy can grow in the future."The tubing professor was appointed to the five-member council of economic advisors, which advises the federal government, only in february.

In an interview with "welt am sonntag," buch also warned that the spanish banks now needed to be rescued quickly. "The recapitalization of the spanish banks must go very quickly."She expects that a large part of the mortgage will not be repaid. The balance sheets of many spanish banks are burdened by billions of euros in "bad" real estate loans, because many customers can no longer repay the money they have borrowed.

The economic expert also criticized plans for a common european deposit insurance scheme. "European deposit insurance will not help deal with europe’s debt overhang."Such a solution always carries the risk that banks and savers will take advantage of the system and behave in a very risky manner.

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Weinstein assistant may have been silenced with money

Weinstein assistant may have been silenced with money

A former assistant of film producer harvey weinstein was, in her own words, paid to keep quiet about sexual harassment. The "financial times" zelda perkins said that weinstein had walked around naked in front of her several times in the late 1990s and had also asked for massages. "He behaved like this on every occasion when we were alone together. I had to wake him up more often in the morning in the hotel and he tried to pull me into his bed", said perkins. She had confessed when a colleague told her about a sexual assault by weinstein.

According to perkins’ account, the two women received a hush money of 250,000 british pounds (about 281,000 euros) when they tried to denounce him. They are also said to have agreed to keep the incidents confidential. Perkins wants to break her contract publicly after 19 years to stimulate a discussion about money and power, she told the newspaper.

Meanwhile, the investigation into weinstein continued to expand. After police in new york and los angeles, the new york district attorney’s office is now investigating alleged sexual assaults. The movie mogul allegedly kept at least eight other women besides perkins from going public with hush money. Weinstein denies forcing women into sex.

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Counterattack: fifa attacks infantino critics

counterattack: fifa attacks infantino critics

Gianni infantino faces ever more critical questions – and goes on the counterattack. FIFA's defense after accusations against the president, however, fuels doubts about the independence of its ethics committee and the effectiveness of european financial fair play.

The world governing body of soccer reacted to reports of possible interference by infantino in the work of autonomous supervisory bodies with sharp criticism of media and ex-officials. "It is no surprise that some of those who have been removed, replaced or are unhappy continue to spread false rumors and innuendos about the new leadership," FIFA said.

The allegations will also play a role with europe's top officials. "We will analyze the situation within UEFA and then decide together on how to proceed," DFB president reinhard grindel told the german press agency. He had spoken with UEFA president aleksander ceferin over the weekend about the accusations. "It is a well-established practice that UEFA members on the FIFA council coordinate among themselves and act together," said grindel, who is one of nine UEFA representatives on the governing body of the world governing body.

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Loewe relies on favorable equipment for salvation

Loewe relies on favorable equipment for salvation

TV manufacturer loewe, struggling for survival, wants to turn things around with cheaper products and a focus on networking. "The classic television market and the classic business model no longer exist, group CEO matthias harsch said on thursday at the IFA electronics trade fair in berlin. Loewe must redefine itself.

After the IFA, loewe plans to launch a television with a 32-inch screen diagonal for about 800 euros. This is cheaper than the previous loewe prices, but more expensive than numerous competitive offers. The company wants to offer the more expensive premium models in every market segment, harsch emphasized. "Loewe has always made premium and will continue to do so." The company wants to convince customers with, among other things, design and better operation.

Loewe has been on the market for 17 years. July under judicial protection. The protective shield, which allows the club to reorganize on its own, can be maintained for a maximum of three months according to the law. During this time, the company must raise fresh capital or face insolvency. Loewe is currently in talks with more than ten investors, said harsch at IFA. The financing by the banks is still secured until the end of march.
"We have prepared the company in such a way that it is now an interesting investment object in terms of brand and structure, said harsch to the dpa. "You can’t do more than that." In the worst case scenario, the company would be faced with a scenario "where we would have to say that’s it". There have been many discussions with investors who want to develop loewe further. "Someone who buys only the brand, I could present tomorrow." It was a matter of finding the right investor. "And I am convinced that we will succeed", said harsh.

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