Contact Centre Network NI (CCNNI)’s Post

There is a big #financialinclusion lesson for bankers in emerging markets in the decades of challenges that Deutsche Bank is facing in its German #Retail and #SME finance - and by extension its global ambitions.   Founded in 1870 in Berlin, Deutsche Bank for more than 130 years has been at the top of the league table of financial institutions in Germany. By 1980 DB even was ranked 5th largest bank, globally – just 15% below No. 1. Now merely at rank 22, DB lags 4 French banking groups, 2 UK-based ones and 1 from Spain.   What happened? Or rather: what did not happen? Deutsche Bank – and by extension all of the large private sector commercial banks in Germany – missed the boat on #inclusivefinance.   Partly by strategic choice, partly by neglect and in big part by the dynamism and client loyalty of their more inclusive competitors, Germany’s large banks ended up niche players on their home turf. Public savings banks and cooperatives had emerged throughout the 19th century. Their mission was to cater to those the banks couldn’t bother to serve: low-income urban households, artisans, #smallbusiness, #farmers , #women and the #young. While Deutschbankers and their peers preferred to wine & dine, wheel & deal with the glamourous clients, those they would not even consider their equal financiers collected savings and lent on reputation not just collateral, they pooled clients and created access to markets and technologies.   And grew. And grew. And grew. And merged. And formed apex institutions. And professionalized. And learned the ropes of high finance. And internationalized. And digitized. And earned and kept the loyalty of their clients who grew with them.   Today, the former small fry of inclusive financiers are the backbone of German finance. Mittelstand company owners can use their Luxembourg and Swiss wealth management services, invest in their mutual funds, get trade finance from their Singapore branches or have them as joint book-runners for security issuances in London and New York.   The most Deutsche Bank could do was buy its way to some 15% of the market. Some 2/3 of German Retail and SME Finance are blocked off by the coops and the savings banks.   So, if you’re a bank CEO with ambition today in #Nigeria or #Indonesia, in #Colombia or #Pakistan, in #Morocco, #Egypt or #Peru – no need to ask McK what to do. Just think of Deutsche Bank – and what kind of growth story you want to set the course for. And then, let's have a conversation. :)

Usually we talk about talent #attraction and talent #retention. We shall not forget that good talent can be raised, and this is a very good example! There is one main condition: having good seniors that dedicate time to this rewarding journey. #talent #Luxembourg

A Human Face of Banking 😊 I was delighted yesterday to visit the new Santander Work Café UK in London. The premise of the Work Café is putting a human face to a bank. I spoke to branch manager Sarah Hicks and Customer Experience Consultant, Onis Linton to learn more. For me especially it was a special moment a few reasons: 🇪🇸 I have worked with Santander on a leadership programme. Having spoken to José Sotorrío Fdez.-Mijares, who at the time was the Work Café Manager for Malaga, I knew it was on the way to the UK. It was special to see this vision realised. 💳 I am myself a business banking customer of Santander and it’s made me reconsider how I engage with the bank. I certainly think I'll be visiting more, and so if you're in the area let's have a coffee catch up! 💲I strongly believe that there is much work to be done to make the world of making finance less daunting and more accessible to many.  Meeting people such as Sarah and Onis in such a welcoming environment will, I’m sure help so much in this respect. It was the social element which I was most impressed me; the fact that people were welcome to use the facilities whether they were customers or not. I always say that the best businesses combine a strong purpose with a workforce where people can bring their best selves to work. Which businesses have caught your eye recently? Santander Santander UK #WorkCafèLondonTritonSquare

Sharing a glimpse of US in this short video. Our Founder Chairman Syed Humayun Kabir Sir had a dream many decades ago to produce world class medicines not only for Bangladesh, but also cross the border and export our products to regulated markets as well. And proudly we can say that, Renata is exactly doing that. We are just transforming the dream into reality and the best part, this is just the beginning of a new era. We are just following a simple advise of him and keep asking ourselves these 3 questions which he left behind for us Where we were ? Where we are ? Where we want to be? Renata Limited #30yearsofexcellence #30yearsstrong #dream #award #winner #pharmaindustry

On behalf of Deutsche Bank, I recently had the pleasure of sitting down with former CIA agent, now CEO, Rupal Patel. It is not often we have CIA agents lingering the halls of DB (or so I think?) and we had an incredible time. What a great discussion of topics such as: -what is it (really!) like being a CIA agent -thinking bigger (why go from CIA to CEO!?) and HOW? -"doing, dumping, & delegating tasks" -speaking up -the golden hours of productivity and paying yourself first -fine tuning the art of "saying no" -and so much more! Rupal reminded us all to "Live an absolute life, not a relative one." We all need to our run our own races. Thank you to our DB clients and colleagues who joined and participated in this event to make it the tremendous success it was. Without the help of the planning teams, these events would not be possible- thank you team VOWS, ALF, WOWs for the execution of the event. Rupal Patel Emily Kreps Alexandria Chong Inwha Huh Thomas Jones Nancy Straub Chloe Agathangelou Dave Guerrero, CFP® Jasleen Batra #deutschebank #wows #thinkingbigger #speakingup #listenmore

Would you like to be one of our quantitative experts in the future and grow your skills among the industry champions? Apply before 30th September. ”Analyst – process and leverage enormous amounts of data to improve and identify financial risks and customer opportunities, through quantitative analysis. Engage in dialogues and sparring with customers on how market dynamics may provide opportunities on the market. Available in Denmark, Finland, Norway and Sweden” Or do you know an aspiring talent with quantitative skills? Tell them about this opportunity. Share this with your daughters, sons, friends and colleagues. Especially with your daughters. #quantitativefinance #diversityequityinclusion

I am so happy to stay at least another 6 months at Keytrade Bank to work on additional projects,... I work with Keytrade since 2006 where I was their Relationship Manager whilst I was at ABN AMRO Clearing Bank. Always enjoyed the unique "let's figure this out & deliver" attitude there. I saw them evolve exponentially from a start-up to an established bank & reference player in 2 decades. Let's face it, people make companies. This means all types of emotions are present: satisfaction, disagreements, sadness, happiness, frustrations. In one word, ... LIFE. And this is what I like at Keytrade. There is a dynamic to do our work in a passionate way without falling into routines & daily grind. 💙 I see people stepping up and helping colleagues from other features teams facing tough deadlines. 💚 Managers stepping up to help & support their teams, asking them to take breaks to reboost and continue to be healthy after efforts. 💛 I see HR team working hard to organize nice gatherings & events to create a nice cocoon for the teams. 💜 I see teams being congratulated for their hard work despite potential delays or failures which are part of corporate life. 🖤 I see Managers giving their personal number to clients so they can call them when they have an issue, and trying to solve it quickly. And the most important of all,.... I like the fact that people are given the right to disagree on some points, address their position and are invited to discuss to find a consensus and to bound afterwards towards the journey. We are all different, and that's a good thing. Some environments suit us,... some not. This is what creates diversity,... I must say Keytrade's one suit me. I adore working with this mix of interesting developpers, product owners, business analysts & senior managers. So let's go for an extra-mile to keep on boosting altogether 😀

Exciting news! This Fall, CITI is embarking on a new DEIB (Diversity, Equity, Inclusion, and Belonging) initiative. To shape our approach, we're keen to grasp the existing DEIB landscape. More insights will be shared during our upcoming Town Hall on September 13th and we'd greatly appreciate your perspectives on the following: 🌟 How do you define diversity? 🌟 Why is diversity pivotal for cohesive teams? 🌟 In what ways can the tech sector thrive from enhanced diversity? Your insights will be instrumental in sculpting CITI's DEIB roadmap. Let's dive deep into this journey together! 🌍🤝

A Jensen Siaw International (JSI) production Jensen Siaw delivering a 2 day bootcamp for Malaysian sales leaders and personnel. We often get stopped in our tracks. Having the motivation is one thing. Why not committing to your process goals which becomes your discipline! #lifeinsurance #breakthrough #sales #banking Ken Kish