Liner, the change in customer behavior -

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E-mail address: Password: Forgot your password? Be sure to check-in greater union - always goes to the bank as well as its customers greater union - and the vast majority will go just fine, though generally very fond of the sombre, says Kangasalan Regional Cooperative Bank Managing Director Jari Linjala.
The state took the synkeisiin the economic outlook and instructed the banks to pay attention to such mortgage loans to self-funded customers. Linjala the development of healthy and to keep the customer's interest.
Bank's liability to the customer in these times is a liner, greater union for example, the fact that this does not result to an over-sized or over-long loan periods, which could result in the customer's greater union point of view too tight economic situation.
In recent times, the loan is in negotiations with customers were increasingly customer greater union solutions puzzling to unexpected situations in life, such as unemployment and incapacity to work. In addition, customers are taking more and more fixed-rate loans and interest rate caps on the other hand, variable-rate loans of higher interest rates reference.
- If, however, you want to happen, for example, unemployment or lay-off, so we hope that the bank customers would be well in advance, in order for us to apply for flexible solutions such as grace in these situations. It is better that things are kept in order, Linjala says.
- The Bank's performance was in late September, three million Euros, or less than last year, but I think still strong, despite low interest rates caused by the decrease in net interest income. We were operating area, last year's second-largest corporate greater union tax payer, which returns all of us for the common good. In addition, we returned more than one million euros OP bonuses to owner-members. Co-operative banks are Finland's largest banking group and the largest insurance company Pohjola, Linjala list is pleased to OP-Pohjola Group as a whole.
The bank's profits fall eat in net interest income, as with other banks. Low interest rates are the banks' customers, however, also a good thing. On the whole, money is cheap, even if the corresponding banks have been forced to heave up the margins on loans, for example, stringent capital adequacy requirements and regulatory costs.
New customers Kangasalan District Cooperative Bank has received this year about six hundred, most of which have become so-called owner-customers. Reflected in the number of new customers to Danske Bank, the output Fabric Alta Tampere. Also, the loan portfolio is in the last year continued to grow. Online transactions and capital adequacy
Liner, the change in customer behavior - 'e-business growth - can be seen in the fact that for more than 90 loan applications submitted to the network. The reason is the ease of: making a loan application must not dwell in peace even at home.
- The Bank's credit it to speed up the negotiation, rather greater union than the actual greater union time of the bank's loans go to the conference background information on the survey. In the actual credit conference to focus on the customer in terms of the essential issues and alternatives.
It is happening is that where transaction downloads site become less frequent, for they are more bigger things - and that's why the service keeps liner that ollakin professional. Cooperative Bank on the other hand sought to invest in e-services such as OP-mobile and e-wallet via Pivo. Liner services, the credit union's popularity has surprised the people.
Customer behavior is not the only bank in the world change in the target. The aftermath of the financial crisis throughout the EU level are 2018 tightened banks' capital adequacy regulations, and although the Finnish banks are in good condition, the change will inevitably be reflected in them. Also the beginning of the year provided a temporary planned bank tax to narrow the scope for banks.
- Banks are requiring more and more cost-effective. All expenses paid, I do not think can be put only at your expense, and banks, but must keep your own house clean. I see, however, that banks are able to always act in the spirit, and I believe that this is the case in the future.