{"id":15039,"date":"2016-01-22T13:30:31","date_gmt":"2016-01-22T12:30:31","guid":{"rendered":"https:\/\/hub.hslu.ch\/ifz\/?p=15039"},"modified":"2020-05-20T14:55:38","modified_gmt":"2020-05-20T12:55:38","slug":"prof-dr-maurice-pedergnana-viele-bankfilialen-werden-in-zukunft-schliessen-muessen","status":"publish","type":"post","link":"https:\/\/hub.hslu.ch\/ifz\/2016\/01\/22\/prof-dr-maurice-pedergnana-viele-bankfilialen-werden-in-zukunft-schliessen-muessen\/","title":{"rendered":"Prof. Dr. Maurice Pedergnana: Viele Bankfilialen werden in Zukunft schliessen m\u00fcssen"},"content":{"rendered":"

\"Pedergnana-Maurice\"
\n<\/a><\/p>\n

 <\/p>\n

 <\/p>\n

von\u00a0<\/em>Prof. Dr. Maurice Pedergnana,<\/a> <\/span>Dozent und Studienleiter im\u00a0<\/em>Institut f\u00fcr Finanzdienstleistungen Zug IFZ<\/a><\/span><\/p>\n

Eine Studie des Beratungsunternehmens E&Y (Ernst&Young) zeigt auf, dass in Zukunft viele\u00a0Bankfilialen verschwinden werden. Betroffen sind haupts\u00e4chlich Kantonalbanken. «Viele Kantonalbanken m\u00fcssen ihr Filialnetz deutlich schrumpfen und neu ausrichten».<\/em> Handlungsbedarf sieht Prof.\u00a0Dr. Maurice Pedergnana auch bei den genossenschaftlich organisierten Raiffeisenbanken, die mit rund 1000\u00a0Filialen das gr\u00f6sste Netz\u00a0f\u00fchren.<\/p>\n

«Filialschliessungen sind aber nicht nur mit Spareffekten verbunden, sagt Prof. Dr. Maurice Pedergnana. Weil die Bankgeb\u00e4ude meist \u00fcber Jahrzehnte abgeschrieben werden, muss der in den B\u00fcchern stehende Wert bei einem Verkauf nach unten korrigiert werden. Filialen, die geschlossen werden, k\u00f6nnen nur schwer oder mit hohen Umbauinvestitionen verkauft oder vermietet werden.»<\/em><\/p>\n

Den ausf\u00fchrlichen Bericht in der Sonntagszeitung finden Sie hier<\/a><\/span>.<\/p>\n","protected":false},"excerpt":{"rendered":"

    von\u00a0Prof. Dr. Maurice Pedergnana, Dozent und Studienleiter im\u00a0Institut f\u00fcr Finanzdienstleistungen Zug IFZ Eine Studie des Beratungsunternehmens E&Y (Ernst&Young) zeigt auf, dass in Zukunft viele\u00a0Bankfilialen verschwinden werden. Betroffen sind haupts\u00e4chlich Kantonalbanken. «Viele Kantonalbanken m\u00fcssen ihr Filialnetz deutlich schrumpfen und neu ausrichten». Handlungsbedarf sieht Prof.\u00a0Dr. Maurice Pedergnana auch bei den genossenschaftlich organisierten Raiffeisenbanken, die mit<\/p>\n","protected":false},"author":257,"featured_media":13670,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":"","_links_to":"","_links_to_target":""},"categories":[406,400,407,1046,854975],"tags":[],"class_list":["post-15039","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-allgemeines","category-bank-management","category-financial-markets","category-financial-services","category-ifz-in-den-medien"],"acf":[],"yoast_head":"\nProf. Dr. Maurice Pedergnana: Viele Bankfilialen werden in Zukunft schliessen m\u00fcssen - IFZ Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hub.hslu.ch\/ifz\/2019\/02\/12\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\/\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/hub.hslu.ch\\\/ifz\\\/2019\\\/02\\\/12\\\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/hub.hslu.ch\\\/ifz\\\/2019\\\/02\\\/12\\\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\\\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Prof. Dr. Maurice Pedergnana: Viele Bankfilialen werden in Zukunft schliessen m\u00fcssen\",\"datePublished\":\"2016-01-22T12:30:31+00:00\",\"dateModified\":\"2020-05-20T12:55:38+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/hub.hslu.ch\\\/ifz\\\/2019\\\/02\\\/12\\\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\\\/\"},\"wordCount\":149,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/hub.hslu.ch\\\/ifz\\\/2019\\\/02\\\/12\\\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/hub.hslu.ch\\\/ifz\\\/wp-content\\\/blogs.dir\\\/165\\\/files\\\/sites\\\/6\\\/2015\\\/04\\\/NETWORKING_25-scaled.jpg\",\"articleSection\":[\"Allgemeines\",\"Bank Management\",\"Financial Markets\",\"Financial Services\",\"IFZ in den Medien\"],\"inLanguage\":\"de-CH\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/hub.hslu.ch\\\/ifz\\\/2019\\\/02\\\/12\\\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/hub.hslu.ch\\\/ifz\\\/2019\\\/02\\\/12\\\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\\\/\",\"url\":\"https:\\\/\\\/hub.hslu.ch\\\/ifz\\\/2019\\\/02\\\/12\\\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\\\/\",\"name\":\"Prof. Dr. Maurice Pedergnana: Viele Bankfilialen werden in Zukunft schliessen m\u00fcssen - IFZ Blog\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/hub.hslu.ch\\\/ifz\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/hub.hslu.ch\\\/ifz\\\/2019\\\/02\\\/12\\\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/hub.hslu.ch\\\/ifz\\\/2019\\\/02\\\/12\\\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/hub.hslu.ch\\\/ifz\\\/wp-content\\\/blogs.dir\\\/165\\\/files\\\/sites\\\/6\\\/2015\\\/04\\\/NETWORKING_25-scaled.jpg\",\"datePublished\":\"2016-01-22T12:30:31+00:00\",\"dateModified\":\"2020-05-20T12:55:38+00:00\",\"author\":{\"@id\":\"\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/hub.hslu.ch\\\/ifz\\\/2019\\\/02\\\/12\\\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\\\/#breadcrumb\"},\"inLanguage\":\"de-CH\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/hub.hslu.ch\\\/ifz\\\/2019\\\/02\\\/12\\\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"de-CH\",\"@id\":\"https:\\\/\\\/hub.hslu.ch\\\/ifz\\\/2019\\\/02\\\/12\\\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\\\/#primaryimage\",\"url\":\"https:\\\/\\\/hub.hslu.ch\\\/ifz\\\/wp-content\\\/blogs.dir\\\/165\\\/files\\\/sites\\\/6\\\/2015\\\/04\\\/NETWORKING_25-scaled.jpg\",\"contentUrl\":\"https:\\\/\\\/hub.hslu.ch\\\/ifz\\\/wp-content\\\/blogs.dir\\\/165\\\/files\\\/sites\\\/6\\\/2015\\\/04\\\/NETWORKING_25-scaled.jpg\",\"width\":2560,\"height\":1714,\"caption\":\"\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/hub.hslu.ch\\\/ifz\\\/2019\\\/02\\\/12\\\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/hub.hslu.ch\\\/ifz\\\/2019\\\/02\\\/12\\\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Prof. Dr. Maurice Pedergnana: Viele Bankfilialen werden in Zukunft schliessen m\u00fcssen\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/hub.hslu.ch\\\/ifz\\\/#website\",\"url\":\"https:\\\/\\\/hub.hslu.ch\\\/ifz\\\/\",\"name\":\"IFZ Blog\",\"description\":\"News aus dem Institut f\u00fcr Finanzdienstleistungen Zug IFZ\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/hub.hslu.ch\\\/ifz\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"de-CH\"},{\"@type\":\"Person\",\"@id\":\"\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Prof. Dr. Maurice Pedergnana: Viele Bankfilialen werden in Zukunft schliessen m\u00fcssen - IFZ Blog","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/hub.hslu.ch\/ifz\/2019\/02\/12\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\/","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/hub.hslu.ch\/ifz\/2019\/02\/12\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\/#article","isPartOf":{"@id":"https:\/\/hub.hslu.ch\/ifz\/2019\/02\/12\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\/"},"author":{"name":"","@id":""},"headline":"Prof. Dr. Maurice Pedergnana: Viele Bankfilialen werden in Zukunft schliessen m\u00fcssen","datePublished":"2016-01-22T12:30:31+00:00","dateModified":"2020-05-20T12:55:38+00:00","mainEntityOfPage":{"@id":"https:\/\/hub.hslu.ch\/ifz\/2019\/02\/12\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\/"},"wordCount":149,"commentCount":0,"image":{"@id":"https:\/\/hub.hslu.ch\/ifz\/2019\/02\/12\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\/#primaryimage"},"thumbnailUrl":"https:\/\/hub.hslu.ch\/ifz\/wp-content\/blogs.dir\/165\/files\/sites\/6\/2015\/04\/NETWORKING_25-scaled.jpg","articleSection":["Allgemeines","Bank Management","Financial Markets","Financial Services","IFZ in den Medien"],"inLanguage":"de-CH","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/hub.hslu.ch\/ifz\/2019\/02\/12\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/hub.hslu.ch\/ifz\/2019\/02\/12\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\/","url":"https:\/\/hub.hslu.ch\/ifz\/2019\/02\/12\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\/","name":"Prof. Dr. Maurice Pedergnana: Viele Bankfilialen werden in Zukunft schliessen m\u00fcssen - IFZ Blog","isPartOf":{"@id":"https:\/\/hub.hslu.ch\/ifz\/#website"},"primaryImageOfPage":{"@id":"https:\/\/hub.hslu.ch\/ifz\/2019\/02\/12\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\/#primaryimage"},"image":{"@id":"https:\/\/hub.hslu.ch\/ifz\/2019\/02\/12\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\/#primaryimage"},"thumbnailUrl":"https:\/\/hub.hslu.ch\/ifz\/wp-content\/blogs.dir\/165\/files\/sites\/6\/2015\/04\/NETWORKING_25-scaled.jpg","datePublished":"2016-01-22T12:30:31+00:00","dateModified":"2020-05-20T12:55:38+00:00","author":{"@id":""},"breadcrumb":{"@id":"https:\/\/hub.hslu.ch\/ifz\/2019\/02\/12\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\/#breadcrumb"},"inLanguage":"de-CH","potentialAction":[{"@type":"ReadAction","target":["https:\/\/hub.hslu.ch\/ifz\/2019\/02\/12\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\/"]}]},{"@type":"ImageObject","inLanguage":"de-CH","@id":"https:\/\/hub.hslu.ch\/ifz\/2019\/02\/12\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\/#primaryimage","url":"https:\/\/hub.hslu.ch\/ifz\/wp-content\/blogs.dir\/165\/files\/sites\/6\/2015\/04\/NETWORKING_25-scaled.jpg","contentUrl":"https:\/\/hub.hslu.ch\/ifz\/wp-content\/blogs.dir\/165\/files\/sites\/6\/2015\/04\/NETWORKING_25-scaled.jpg","width":2560,"height":1714,"caption":""},{"@type":"BreadcrumbList","@id":"https:\/\/hub.hslu.ch\/ifz\/2019\/02\/12\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/hub.hslu.ch\/ifz\/2019\/02\/12\/prof-dr-yvonne-seiler-zimmermann-was-taugen-pk-ratings-fuer-die-wahl-der-vorsorgeeinrichtung\/"},{"@type":"ListItem","position":2,"name":"Prof. Dr. Maurice Pedergnana: Viele Bankfilialen werden in Zukunft schliessen m\u00fcssen"}]},{"@type":"WebSite","@id":"https:\/\/hub.hslu.ch\/ifz\/#website","url":"https:\/\/hub.hslu.ch\/ifz\/","name":"IFZ Blog","description":"News aus dem Institut f\u00fcr Finanzdienstleistungen Zug IFZ","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/hub.hslu.ch\/ifz\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"de-CH"},{"@type":"Person","@id":""}]}},"featured_image_src":"https:\/\/hub.hslu.ch\/ifz\/wp-content\/blogs.dir\/165\/files\/sites\/6\/2015\/04\/NETWORKING_25-scaled.jpg","featured_image_src_square":"https:\/\/hub.hslu.ch\/ifz\/wp-content\/blogs.dir\/165\/files\/sites\/6\/2015\/04\/NETWORKING_25-scaled.jpg","author_info":{"display_name":"","author_link":"https:\/\/hub.hslu.ch\/ifz\/author\/"},"_links":{"self":[{"href":"https:\/\/hub.hslu.ch\/ifz\/wp-json\/wp\/v2\/posts\/15039","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hub.hslu.ch\/ifz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hub.hslu.ch\/ifz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hub.hslu.ch\/ifz\/wp-json\/wp\/v2\/users\/257"}],"replies":[{"embeddable":true,"href":"https:\/\/hub.hslu.ch\/ifz\/wp-json\/wp\/v2\/comments?post=15039"}],"version-history":[{"count":5,"href":"https:\/\/hub.hslu.ch\/ifz\/wp-json\/wp\/v2\/posts\/15039\/revisions"}],"predecessor-version":[{"id":18631,"href":"https:\/\/hub.hslu.ch\/ifz\/wp-json\/wp\/v2\/posts\/15039\/revisions\/18631"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hub.hslu.ch\/ifz\/wp-json\/wp\/v2\/media\/13670"}],"wp:attachment":[{"href":"https:\/\/hub.hslu.ch\/ifz\/wp-json\/wp\/v2\/media?parent=15039"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hub.hslu.ch\/ifz\/wp-json\/wp\/v2\/categories?post=15039"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hub.hslu.ch\/ifz\/wp-json\/wp\/v2\/tags?post=15039"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}