{"id":5862,"date":"2019-03-11T13:00:00","date_gmt":"2019-03-11T12:00:00","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/placowki-bankowe-znikaja-przez-rozwoj-e-bankowosci\/"},"modified":"2019-03-11T13:00:00","modified_gmt":"2019-03-11T12:00:00","slug":"bank-branches-are-disappearing-due-to-the-development-of-e-banking","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/bank-branches-are-disappearing-due-to-the-development-of-e-banking\/","title":{"rendered":"Bank branches are disappearing due to the growth of e-banking"},"content":{"rendered":"

The Internet is forcing bank branches to close. Some are simply no longer visited. Thousands of employees are saying goodbye to their jobs. If things continue like this, in a dozen or so years most of the branches will disappear, leaving only those in shopping malls.<\/p>\n

Banks closed 371 of their own branches last year; in the last two years, an average of 32 branches per month were closed, according to data from the Polish Financial Supervision Authority. This is partly compensated by the opening of branches \u2013 representative offices. Apparently, banks do not want to risk continuing to run them themselves.<\/p>\n

If the trend of the last two years continues, in 16 years there will be no branch. Maybe apart from branches in shopping malls, which will play the role of advertising rather than real business.<\/p>\n

Zbigniew Jagie\u0142\u0142o, president of PKO BP, believes that in Poland, within 15-20 years, all "bank windows" will disappear in favor of online services.<\/p>\n

\u2013 We will change, but not too fast, so as not to lose older customers, and not too slow, so as not to lose the young ones \u2013 he said a few months ago in an interview for "Rzeczpospolita".<\/p>\n<\/div>\n

PKO BP closed 40 branches last year and had 1,113 of them at the end of December. Thus, every ninth bank branch closed in Poland had the banners of the largest bank in Poland on it.<\/p>\n

- Financial institutions, including banks, are very sensitive to the loss of credibility among customers. For this reason, information about the closure of subsequent branches must be communicated and rationally explained. Otherwise, they may cause a crisis situation, suspicions of a bankruptcy threat - describes Ma\u0142gorzata Anisimowicz, president PMR Restructuring<\/a>.<\/p>\n<\/div>\n

Santander Bank Polska closed 53 branches (including the branches taken over by Deutsche Bank Polska), 44 \u2013 Alior Bank<\/a> (integration with the acquired BPH network), and 26 \u2013 Bank Pekao. Interestingly, the mBank network grew by 25 branches, but this only concerned the so-called light branches (simpler products and limited cash service) and mKiosks.<\/p>\n

The material was published on money.pl:<\/b>on March 8, 2019:\u00bb At this rate, there will be no more bank branches in 16 years. Banks have accelerated closures<\/a><\/div>","protected":false},"excerpt":{"rendered":"

Internet wymusza zamkni\u0119cia oddzia\u0142\u00f3w bank\u00f3w. Po prostu niekt\u00f3rych nikt ju\u017c nie odwiedza. Tysi\u0105ce pracownik\u00f3w \u017cegnaj\u0105 si\u0119 z prac\u0105. Jak tak dalej p\u00f3jdzie, to za kilkana\u015bcie lat wi\u0119kszo\u015b\u0107 plac\u00f3wek zniknie, zostan\u0105 tylko te w centrach handlowych. Banki zamkn\u0119\u0142y w ci\u0105gu ubieg\u0142ego roku 371 w\u0142asnych oddzia\u0142\u00f3w; w ostatnich dw\u00f3ch latach ubywa\u0142o po \u015brednio 32 oddzia\u0142y miesi\u0119cznie – pokazuj\u0105 dane Komisji Nadzoru Finansowego. Po cz\u0119\u015bci rekompensowane jest to otwarciami plac\u00f3wek – przedstawicielstw. Najwyra\u017aniej banki nie chc\u0105 ryzykowa\u0107 dalszego ich prowadzenia we w\u0142asnym zakresie. Je\u015bli trend z ostatnich dw\u00f3ch lat si\u0119 utrzyma, to za 16 lat nie b\u0119dzie ani jednego oddzia\u0142u. Mo\u017ce poza plac\u00f3wkami w centrach handlowych, kt\u00f3re bardziej b\u0119d\u0105 pe\u0142ni\u0107 rol\u0119 reklamy ni\u017c prawdziwego biznesu. Zbigniew Jagie\u0142\u0142o, prezes PKO BP, uwa\u017ca, \u017ce w Polsce w perspektywie 15-20 lat znikn\u0105 wszystkie \u201eokienka bankowe\u201d na rzecz obs\u0142ugi online. – B\u0119dziemy si\u0119 zmieniali, ale nie za szybko, by nie straci\u0107 starszych klient\u00f3w, i nie za wolno, by nie straci\u0107 tych m\u0142odych- m\u00f3wi\u0142 par\u0119 miesi\u0119cy temu w wywiadzie dla „Rzeczpospolitej”. PKO BP zamkn\u0105\u0142 w ubieg\u0142ym roku 40 plac\u00f3wek i na koniec grudnia mia\u0142 ich 1113. Tym samym co dziewi\u0105ta zamykana w Polsce plac\u00f3wka bankowa mia\u0142a na sobie banery najwi\u0119kszego banku w Polsce. – Instytucje finansowe, w tym banki, s\u0105 bardzo czu\u0142e na utrat\u0119 wiarygodno\u015bci u klient\u00f3w. Z tego powodu informacje o zamykaniu kolejnych plac\u00f3wek musz\u0105 by\u0107 komunikowane i racjonalnie t\u0142umaczone. W przeciwnym razie mog\u0105 wywo\u0142a\u0107 sytuacj\u0119 kryzysow\u0105, podejrzenia o zagro\u017cenie bankructwem- opisuje Ma\u0142gorzata Anisimowicz, prezes PMR Restrukturyzacje. 53 plac\u00f3wki zamkn\u0105\u0142 Santander Bank Polska (licz\u0105c przej\u0119te plac\u00f3wki Deutsche Bank Polska), 44 – Alior Bank (integracja z przej\u0119t\u0105 sieci\u0105 BPH), a 26 – Bank Pekao. Co ciekawe, uros\u0142a o 25 plac\u00f3wek sie\u0107 mBanku, ale dotyczy\u0142o to tylko tzw. plac\u00f3wek lekkich (prostsze produkty i ograniczona obs\u0142uga kasowa) i mKiosk\u00f3w. Materia\u0142 ukaza\u0142 si\u0119 w serwisie money.pli:dnia 8 marca 2019:\u00bb W\u00a0tym tempie za 16 lat nie b\u0119dzie ju\u017c plac\u00f3wek bankowych. Banki przyspieszy\u0142y zamkni\u0119cia<\/p>","protected":false},"author":12,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[19],"tags":[],"ppma_author":[30],"class_list":["post-5862","post","type-post","status-publish","format-standard","hentry","category-blog"],"authors":[{"term_id":30,"user_id":12,"is_guest":0,"slug":"teampmr-restructuring-pl","display_name":"Zesp\u00f3\u0142 PMR","avatar_url":{"url":"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png","url2x":"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/5862","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/comments?post=5862"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/5862\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=5862"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=5862"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=5862"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=5862"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}