Las cajas de ahorrosestrategia y estructura

Abstract

The financial institutions are undergoing a series of strategic alterations in reponse to the changing rules of competition and clients' needs. These new requirements should be reflected in innovations of an internal nature if we really want them to be met. The changeover from process-oriented banking, where all theinstitutions offer the same thing in the same way, toknowledge-based banking calls for the deployment of all the resources and internal capabilities of the institutions. The aim of this study is find out how far the Spanish savings banks have developed in this respect. For this purpose, in the course of the study we point out a few of the features of the structure and internal processes of the Spanish savings banks on the basis of a survey conducted amongst them.