丹斯克銀行Danske Bank
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Danske Bank is a Danish bank. It was founded 5 October 1871 as Den Danske Landmandsbank, Hypothek- og Vexelbank i Kjøbenhavn (The Danish Farmers' Bank, Mortgage and Exchange Bank of Copenhagen).
Danske Bank has long been one of the largest banks in Denmark, roughly 30 percent market share, but after the acquisition of BG Bank now hold over 51 percent. Since the mid-1990s it has been expanding its operations outside of the country. In Norway it's known as Fokus Bank and in Sweden under a variety of brand names, including Östgöta Enskilda Bank. The reasons for this expansion are rooted in the increasing deregulation and internationalization of the banking sector.
The Group was created out of several mergers, the first in 1990 with rivals Handelsbanken (not affiliated with present day Handelsbanken) and Provinsbanken. That was followed by the acquisition of Danica in 1995 (renamed Danica Pension) in 1999, and a merger with BG Bank and Realkredit Danmark in 2001. 2005 saw the purchase of Northern Bank in Northern Ireland and National Irish Bank in the Republic of Ireland from the National Australia Bank, the Group's first retail operations outside Scandinavia. In 2006, Danske Bank bought the banking operations of the Finnish financial services group Sampo, which included retail banks in Finland, Latvia, Lithuania and Estonia, along with a corporate entity in Russia. The Group also maintains corporate service branches in Hamburg, Poland and London, and an outpost serving high net worth clients in Luxembourg.
Danske runs all of its operations on a single IT platform, a competitive advantage since customers can quickly transfer money between a number of countries with minimal fees.
Danske Bank was number 236 on the Fortune Global 500 list for 2009, up from 238 in 2008.
Danske銀行是丹麥最大的銀行。包括Danske銀行團體,BG銀行,Realkredit Danmark,Danica退休金和一定數量的輔助者,提供大範圍的金融服務,其中包括保險,抵押财務,财産管理和不動産服務。
在丹麥, 挪威, 瑞典, 北愛爾蘭和愛爾蘭共和國,Danske為300多萬零售顧客和一些重要的公司、協會服務。它也有很大數量的國際公司客戶, 特别在北歐洲市場上。大約850,000名顧客使用銀行的聯機服務。
九十年代以來,丹麥銀行業的發展呈現出集中化的趨勢。在銀行業出現了跨部門、跨行業的合并等多樣化的形式。目前,丹麥金融業的主要特點表現在銀行、保險公司和信貸機構三大行業的并存的局面。
丹麥金融業資産負債總額目前已經達到相當于全國國内生産總值的300%,就業人數也占到全國勞動力總和的4%。其中,商業與儲蓄銀行在丹麥金融業中占據最大份額,它擁有全部資産負債總額的39.8%;其次是信貸抵押銀行,占總額的30.9%,保險公司排在第三位。丹麥金融體制的特征之一是家庭購買主要從信貸抵押銀行貸款,因此,信貸抵押銀行對于私人消費來說就顯得越來越重要了。
高新科技的發展給各個銀行提供機會,保持和進一步提高了對個人或企業等客戶的服務,與此同時由于銀行效率的提高又能在業務量增大的同時,減少銀行分支機構的數目和就業人數。據丹麥國家中央銀行的統計,各個商業與儲蓄銀行在丹麥境内的分支機構從1991年的2,652家下降到1999年底的2,188家,銀行的專職業務人員同期也從51,000人縮減到40,018人。表三這些數據就展示了丹麥近十年來商業與儲蓄銀行的發展,從中可以看出丹麥銀行業逐漸走向高度集中化,結構也趨向合理。