Deutsche Bank Has Something or Nothing?

• About Deutche Bank.

 

도이치 방크는 독일 최대의 은행으로, 전 세계적으로 영향력을 가지고 있습니다. 

그러나 최근 몇 년간 글로벌 경제 불황과 코로나19 팬데믹의 영향으로 수익성이 악화되고, 재정 위기에 직면했습니다. 

이에 도이치 방크는 구조조정과 비용절감을 추진하고, 지속가능한 자금조달과 투자에 집중하기로 했습니다.

지난해 5월, 도이치 방크는 2025년까지 지속가능한 자금조달과 투자에 

2000억 유로 이상을 투입할 계획을 발표했습니다. 

이는 기후변화와 사회적 책임 등을 고려한 ESG(환경·사회·지배구조) 투자를 강화하겠다는 의미입니다. 

또한 도이치 방크는 여성 임원 비율을 2025년까지 35%로 높이고, 다양성과 포용성을 강화하겠다고 밝혔습니다.

그 결과, 도이치 방크는 올해 3월 말까지 지속가능한 자금조달과 투자에 710억 유로에 달하는 성과를 거두었습니다. 

이는 목표치의 약 35%에 해당하며, 계획보다 2년 앞선 것입니다. 또한 도이치 방크는 올해 상반기에 14억 유로의 순이익을 달성하며, 2014년 이후 처음으로 연간 흑자 전환을 기대하고 있습니다.

도이치 방크의 회복세는 독일 내에서도 호응을 얻고 있습니다. 

독일은 전통적으로 금융산업에 큰 비중을 두고 있으며, 도이치 방크는 국가 대표 은행으로 인식되고 있습니다. 

따라서 도이치 방크의 성공은 독일 경제의 성공으로 이어질 것으로 기대되고 있습니다.

하지만 도이치 방크가 안심할 수 있는 상황은 아닙니다. 

미국 연준은 내년부터 금리 인상에 나설 것으로 예상되며, 이는 글로벌 금융시장에 변동성을 가져올 수 있습니다. 

또한 도이치 방크는 여전히 법적 분쟁과 규제 강화 등의 리스크를 안고 있습니다.

• Deutche Bank's Financial Problem? Is somthing Burning?

 

도이치 방크의 23년도 문제 해결 방안 및 미국과의 관계

도이치 방크는 2023년에도 여러 가지 문제에 직면해 있다. 글로벌 금융위기 이후 규제 강화와 경쟁 압력, 그리고 코로나19 팬데믹의 영향으로 수익성이 저하되고 비용이 증가했다. 또한, 도이치 방크는 과거의 부실 거래와 법적 분쟁으로 인해 큰 손실과 벌금을 부담해야 했다. 이런 상황에서 도이치 방크는 어떻게 자신의 위치를 회복하고 미래를 준비할 수 있을까?

도이치 방크는 2023년에 다음과 같은 문제 해결 방안을 제시했다.

- 자산 관리, 투자 은행, 기업 은행 등 핵심 사업 부문에 집중하고, 비핵심 사업 부문은 축소하거나 매각하기로 했다. 이를 통해 자본 비율을 개선하고, 수익성을 높이고, 위험을 감소시키려고 한다.
- 비용 절감을 위해 인력과 지점을 축소하고, 디지털화와 자동화를 확대하기로 했다. 이를 통해 효율성을 높이고, 고객 서비스를 개선하려고 한다.
- 법적 분쟁과 과징금을 해결하기 위해 적극적으로 협상하고, 내부 통제와 규정 준수를 강화하기로 했다. 이를 통해 신뢰성과 명성을 회복하려고 한다.

도이치 방크는 또한 미국과의 관계를 개선하기 위해 노력하고 있다. 미국은 도이치 방크에게 가장 중요한 시장 중 하나이며, 도이치 방크는 미국에서의 사업 활동을 확장하고자 한다. 그러나 도이치 방크는 미국에서 여러 차례의 조사와 제재를 받았으며, 미국 정부와의 관계가 악화되었다.

도이치 방크는 2023년에 다음과 같은 관계 개선 방안을 제시했다.

- 미국 정부와의 협력을 강화하고, 미국의 규제 기관과의 소통을 증진하기로 했다. 이를 통해 미국 시장에서의 합법성과 규정 준수를 보장하려고 한다.
- 미국의 주요 고객과 파트너와의 관계를 강화하고, 새로운 고객과 파트너를 확보하기로 했다. 이를 통해 미국 시장에서의 경쟁력과 시장 점유율을 높이려고 한다.
- 미국의 사회적 책임과 환경적 지속가능성에 대한 관심을 반영하고, 이에 대한 투자와 기부를 확대하기로 했다.

 

• Germany's Banking System.

 

Germany has a unique banking system that is different from the United States in many ways. Here are some interesting facts, important people, and a brief history of Germany's banking system:

 

Dual banking system: Germany has a dual banking system, which means that there are two types of banks: commercial banks and savings banks. Commercial banks are privately owned and operate for profit, while savings banks are publicly owned and serve the public interest.

 

Co-operative banks: Germany also has a large number of co-operative banks, which are owned and controlled by their members. These banks focus on providing services to local communities and small businesses.

 

Role of central bank: The central bank of Germany is the Deutsche Bundesbank, which is responsible for regulating monetary policy and ensuring the stability of the financial system. It also oversees the country's payment system and manages the country's foreign reserves.

 

Historical development: The modern German banking system dates back to the 19th century, when a number of regional and local banks were established. In the aftermath of World War II, the German banking system was restructured, with many small banks being consolidated into larger institutions.

 

Key figures: Some of the key figures in the development of Germany's banking system include Hermann Josef Abs, who was instrumental in the reconstruction of the German banking system after World War II, and Ernst von Weizsäcker, who served as president of the Deutsche Bundesbank from 1970 to 1980.

 

Differences with the US: One of the main differences between the German and US banking systems is the emphasis on long-term relationships between banks and their clients in Germany. This is reflected in the country's system of "house banks," where companies maintain long-term relationships with a small number of banks.

 

Stability: Another key feature of Germany's banking system is its stability. Despite the financial crisis of 2008, Germany's banking system remained relatively stable, thanks in part to strict regulations and conservative lending practices.

 

Overall, Germany's banking system is characterized by a strong emphasis on stability and long-term relationships, as well as a unique combination of commercial banks, savings banks, and co-operative banks.

 

• The Relationship BTW the Government and Banks

 

The relationship between the government and banks can vary depending on the country and the specific context. In Germany, there is a close relationship between the government and banks, which is partially driven by the country's tradition of "ordo-liberalism." This economic philosophy emphasizes the importance of a competitive and stable market economy, but also recognizes the need for government intervention to ensure that the market functions effectively.

 

In Germany, the government plays a role in overseeing the banking system and ensuring its stability. The central bank, the Deutsche Bundesbank, is responsible for regulating monetary policy and supervising banks. Additionally, the government has established a number of laws and regulations designed to protect consumers and prevent financial instability.

 

However, the German government does not directly control the country's banks. Instead, the banking system is largely privately owned and operated. The government may provide some support to banks in times of crisis, but generally does not interfere in their day-to-day operations.

 

One key aspect of the relationship between the government and banks in Germany is the concept of "public banks." These banks are owned by local or regional governments, and are intended to serve the public interest by providing services to local communities and small businesses. Public banks are subject to government oversight, but are generally run independently.

 

Overall, the relationship between the government and banks in Germany is characterized by a balance between government oversight and private ownership and operation. The government plays a role in ensuring the stability and effectiveness of the banking system, but does not directly control the country's banks.

 

• Who Rules Germany's Banking System?

 

There is not one specific key man in Germany's banking system, as the system is characterized by a number of different institutions and individuals who play important roles. However, there are several notable figures who have had a significant impact on the country's banking system over the years.

 

One such figure is Hermann Josef Abs, who played a key role in the reconstruction of the German banking system after World War II. Abs was a banker and economist who served as the head of Deutsche Bank for many years. He was a close advisor to the post-war German government and played a key role in the restructuring of the country's banking system.

 

Another important figure in Germany's banking system is Ernst von Weizsäcker, who served as the president of the Deutsche Bundesbank from 1970 to 1980. Weizsäcker was a respected economist and politician who helped to establish the Bundesbank as a key institution in the German banking system.

 

More recently, other individuals have played important roles in Germany's banking system. For example, Jens Weidmann currently serves as the president of the Deutsche Bundesbank and is widely regarded as an influential voice in European monetary policy.

 

Overall, while there is no one specific key man in Germany's banking system, there are a number of individuals who have made significant contributions to the development and success of the system over the years.

 

• The EU and Germany.

 

Germany is one of the most powerful countries in the European Union (EU), both economically and politically. As the largest economy in the EU and the fourth largest in the world, Germany plays a major role in shaping EU policy and decision-making.

 

Germany's power in the EU is reflected in several ways. First, Germany is a major contributor to the EU budget, providing significant funding to support a range of EU initiatives and programs. Second, German officials and politicians play key roles in shaping EU policy and legislation, particularly in areas such as trade, finance, and energy. Finally, Germany has a significant amount of influence over the EU's decision-making process, as it is one of the largest and most influential member states.

 

While Germany's power in the EU is generally seen as a positive force, there have been concerns about the country's financial problems and their impact on the wider European economy. In recent years, Germany has struggled with a number of economic challenges, including high levels of debt and sluggish growth. This has led to criticism from other EU member states, who argue that Germany needs to do more to support the European economy and address its financial problems.

 

However, despite these criticisms, the EU has generally taken a supportive stance toward Germany's financial problems. The EU has worked closely with Germany to develop policies and initiatives aimed at boosting economic growth and stability, and has provided financial support to help address the country's debt and other financial issues. Overall, while there have been some concerns about Germany's financial problems, the EU has generally been supportive of the country's efforts to address these challenges and maintain its position as a key player in the European economy.