スペインの不良債権(貸し倒れ)で破綻し国有化されたNovaCaixa Galicia Banco は子会社のEVO銀行再出発?し332支店の大部分を閉鎖し83支店の650人の従業員に規模縮小
Banco EVO cerrará más de la mitad de sus oficinas antes de su venta
El propietario de la entidad, NCG Banco, ha de encontrar un comprador antes de finalizar 2014
La empresa hace énfasis en un modelo de negocio que combina la banca virtual y la física
Thiago Ferrer Morini Madrid 7 FEB 2013 - 18:21 CET
EVO Bank closed more than half of their offices before sale
The owner of the entity, NCG Banco, has to find a buyer before the end of 2014
The company emphasizes a business model that combines virtual and physical banking
Thiago Ferrer Morini Madrid 7 FEB 2013 - 18:21 CET
A small bank and thought to the "customer is going to the branch at most once a year, but when you want a quality service." That's what we want to become EVO, NCG Banco mark (the old Novacaixagalicia) off Galicia, Asturias and Leon, in the words of its CEO, José Luis Abelleira (Ourense, 1967). And is the reason why the entity will continue its consolidation and headcount reduction and offices: the 332 branches of the entity that owned the day of its foundation, in March 2012, wants to stay at 83, with a total 650 employees.
The requirement exists for a brand of Brussels: a change that has received rescue its parent, the entity should focus on retail banking business and concentrate on regions where it is strongest. That led to the new direction of NCG Banco, with José María Castilian in the lead, to create an entity that could be sold and thus alleviate the demands of the troika with respect to the business in the northeast of the country, both to reduce the sum to repay the FROB as to decrease the number of employees to dismiss the rest of the entity. Brussels approved the project, but set a date for sale: Dec. 31, 2014.
In any case, Abelleira no hurry: "We prefer to maximize the sale value.'re Not going to force". The orensano states that the process of clearing balances of the entity is over and that the intention now is to "grow". But only in cities and provinces with more than 200,000 inhabitants, which will take you to further reduce its physical presence. Of the 118 branches with the EVO brand, the company intends to stay with 80, while the 57 offices of the bank continues to Novacaixagalicia brand, the intention is to stay only three.
Abelleira insists that the drastic reduction of branches not result in a dramatic reduction in the workforce, mainly because of the emphasis the company placed in service. "Less branches and more customers require more people to provide care," he stated. "Besides, what sets us apart from other banks is that we open in the evening, which also has a staffing requirements."
But one thing is clear: EVO Bank intends to abandon the model near the boxes and focus on banking channels such as telephone or internet. "This model was designed for another cycle," said Abelleira. "We want 90% of the transactions to be made out of the office", but the bank does not want to be an entity entirely online. "We ask clients to formalize their employment in our offices, among other reasons to know they have a branch at your service." The emphasis on quality is another reason: "As a nationalized entity, Brussels prevents us compete on price with our rivals." Abelleira believes the proposed mixed model your entity "is a model that works", as experience from other similar European banks.
For now, the company focuses on its flagship product, Smart Account, a joint checking account and deposit (with interest at 2.25% at 13 months), but said it intends Abelleira prudently expand its product portfolio: "We do not want to be a restaurant with a menu of 300 dishes. want to sell as much as 20 products, but yes: all good".
Regarding the sale, Abelleira is optimistic: "With the bad reputation we have nationalized entities, have managed to grow a good sign for investors." And said: "If we had an international brand behind, we estimate that the appeal to potential customers grow by 30% or 40%." And you think you have a lot of interest for foreign entities: "With the consolidation of the Spanish market, there is plenty of room for new entrants."
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