Anforderungsprofil eines Beraters im Private Banking
Anforderungsprofil eines Beraters im Private Banking

Anforderungsprofil eines Beraters im Private Banking


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About the Book

Studienarbeit aus dem Jahr 2015 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 1,7, Veranstaltung: Bankbetriebswirt, Sprache: Deutsch, Abstract: PB bezeichnet das Segment der wohlhabenden Kunden in einer Bank. Diese Privatkunden werden auch des öfteren High Net Worth Individuals (HNWIs) genannt, da Sie ein Mindestvermögen und Anlagevolumen von 250.000 halten. Um sich in diesem Markt etablieren zu können, ist die Bank auf hochqualifizierte Berater angewiesen. In diesem Bereich ist der Engpass an qualifizierten Beratern jedoch sehr hoch. "Der ausgeprägte Mangel an Beratern für vermögende Privatkunden hängt wesentlich mit den hohen Anforderungen zusammen, die an diese gestellt werden." (Farkas-Richling et al. 2012) Grundsätzliche Anforderungen, die ein Berater im Private Banking (PB) zu erfüllen hat, um partnerschaftlich mit dem Kunden zusammenzuarbeiten, maßgeschneiderte Lösungen zu finden und hervorragende Resultate zu erzielen. Zu diesen Erwartungen gehören u.a. hohe fachliche und persönliche Qualifikationen. Warum ist das PB für die Banken gegenwärtig von so hoher Bedeutung? Und welche Anforderungen werden an die Akteure und insbesondere an die Berater in diesem Bereich gestellt? Für Banken besteht umso mehr die Aufgabe darin, ertragreiche Geschäftsfelder zu finden. In der Vergangenheit war der Retailbereich (standartisiertes Privatkundengeschäft) ein etabliertes und lohnenswertes Geschäft. Durch neue regulatorische Einschränkungen steht dieser Bereich jedoch immer mehr unter Druck. Aus diesem Grund möchten sich "die Banken den positiven Eigenkapitaleffekt aus dem PB im Hinblick auf die künftigen Anforderungen gemäß Basel III sichern" (Farkas-Richling et al. 2012). Zwar zählen nur rund 367.000 Haushalte in Deutschland zum PBSegment, was einen Marktanteil von 0,9% bedeutet, jedoch hält dieser Anteil 6-8 % des liquiden Vermögens bei gleichzeitig höherem Wachstum im Vergleich zu den anderen Privatkundensegmenten.


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Product Details
  • ISBN-13: 9783668168183
  • Publisher: Grin Publishing
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 2 mm
  • Width: 148 mm
  • ISBN-10: 3668168180
  • Publisher Date: 29 Mar 2016
  • Height: 210 mm
  • No of Pages: 24
  • Series Title: German
  • Weight: 95 gr


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Anforderungsprofil eines Beraters im Private Banking
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