|dc.description||Thesis (MTech(Business Administration)--Cape Technikon, Cape Town, 2001||
|dc.description.abstract||During the last decade, commercial banking competition has intensified for a variety of
reasons. With shareholders requirements to satisfY and, at the same time to provide
''value for money" to i!s clients, banks restructured themselves to serve niche market
segments, increase critical mass by growing volume business or a combination of both.
With the change in political dispensation, the urgency for banks to evolve intensified for
the following prime reasons:
I. The increased number offoreign banks ~ntering the South African market and
cherry-picking the commercial banks' best clients and employees. This was
facilitated by the foreign banks low cost of entry and low overhead cost structure
coupled with cheaper availability of offshore funding for South African
2. Increased emigration rates reducin6 the availability ofskilled and trained bank
3. The stagnation ofthe economic emironment resulting in low organic growth of
the business client base from the traditional white o\\ned segment.
4. The largely neglected black business segment which became politically. if not
economically. attractive to the local banks.
Against this background. commercial ban:,s strategies changed involving restructuring
the internal organisation to refocus the banking industr.. efforts in achieving its profit
objectives. satisfYing and keeping its clients and attracting new clients. primarily, from
the local competitor banks.||
|dc.subject||Banks and banking -- Customer services||en_US
|dc.subject||Relationship banking -- Administration||en_US
|dc.title||The centralisation of administration in commercial relationship banking||