职能类模拟题21

[Structure]:Umbrella organisation: It supports the Board of Directors n managing the entire bank Some members of the umbrella organisation are simultaneousily members of Euro-Banks international subsidiaries or other committees Subordinated to the umbrella organisation are three divisions

Investment Bank （IB): Clients are normally private and public instutons as wellas medium-sized and global companies Every client has its own contact person.lB offers capital market productsprimarily in Europe

Private and Business Clients (PBC): This division is Euro-Banks biggest and most important division and solely services private clients and small businessesin investments The majority of the client segments are located in Germany but also in othercountries of Europe

Estate lnvestments （El)：El manages real estate and industrial holdings Alithough this division is ratherinsignifcant. the group will not withdraw from this sector in the foreseeable future as itis of strategic importance.
[Strategy]:Sale: Euro-Bank sold branch offices in the England which offered services like client advisory, management of bank accounts and investments. Some of these services were replaced by telephone and online banking. Numerous advisory services were outsourced in order to release resources for the PBC division.

Restructuring: Costs could be decreased by restructuring measures or the dismissal of employees.The cost intensive international management structure was redesigned so as to be more cost efficient. 

Acquisitions: To provide private clients with a more individual advisory service. Euro-Bank acquired the American private

bank and industry leader,TopConsult which possesses a wide range of experience in investments for private clients.
[Objectives]:Corporate Governance Objectives:Above all, the umbrella organisation and national affliates are bound to them.They include:

Shareholders rights: The right to vote which can only be personally exercised as well as the free acquisition or free amortisation of shares.

Obligations of the executive board and advisory board: The executve board and acvisory board decide on the company strategy together in exceptional cases, the executive board can decide alone.Ifthe exccutve boa d decides alone, it must promptly inform the advisory board and the shareholders.

Remuneration: The remuneration of the members of the executive board is determined by a majority yote of the advisory board, while the executive board decides on the remuner aton of the upper concern management by amajority vote

Transparency: It is not guaranteed if a written financial reportis not completed by the executive board
[Products&Services]:Private clients: They are offered investment services， provisions for the future and capital accumulation and saving through the building society besides the management of bank accounts.

Business cients： Euro- Bank supports freelancers,family, businesses an small companies in the financing and safeguarding of the company.Euro-Bank offers the services of international payment transactions, interest and currency management as well as e-banking due to the globalisation of many companies.

Big corporations: For big corporations, Euro-Bank offers programs for company financing, also by outside capital, among others, leasing and government support programs, among others, Industry experts may carry out credit checks for a company and then optionally accompany a repositioning. All products and services are elither designed for regional or global projects.

Investments are enabled by equity and shiping investment funds in Europe ,the USA and Asia.The hedge founds of Euro-Bank offer the chance of high returns Within a very short time.

[Sites]:Cosmetics & Body: In the USA,Asia,and South America, cosmetics are mainly offered for young girls and women.

Clean & Wash: Laundry detergent is mainly offered n Europe and theUSA, as is household cleaner. In all countries where Evergreen Ltd. offers household cleaner it also ofers washing up liquid.

Glue & Hold: The regional focal point is Europe.The adhesives which are manufact red thereiare mainly special adhesives for industry.

Regional focal points: In Europe, particularly in Gemany. Evergreen Ltd. only has a strong position in the CB and CW company areas. The largest production site in Germany is in Frankfurt.

[Executive board]:Dr. Hans Paris: Chairman and an industrial engineer. He has been employed by the company for five years. Prior to this, after receiving hisdoctorate in Mannheim and Ann Arbor, he worked for 10 years in the USA at a cosmetics company called Flotter & Crample.

Laura Simmons: Head of Human Resources (HR). After her training period at Evergreen Ltd.. she was employed for quite some time in the area of Management Development. then studied psychology and returned to the company. After various deployments abroad, she became Head of HR.

Michael Fuller: Head of Finance/Controlling (FC) and fully qualified lawyer. First of all, he worked as an industrial engineer for an international industrial engineering .company then became Head of the legal department of Evergreen Ltd,and after three years Head of FC.

Dr.Howard Knowles:Head of Marketing/Distribution and certified economist.For ten years, he was employed by an industrial company in the USA and a consumer goods manufacturer in Japan and then joined the executive board of Evergreen Ltd.
Q:Clients of the investment bank division include only public and private institutions.

[Structure]:Umbrella organisation: It supports the Board of Directors n managing the entire bank Some members of the umbrella organisation are simultaneousily members of Euro-Banks international subsidiaries or other committees Subordinated to the umbrella organisation are three divisions

Investment Bank （IB): Clients are normally private and public instutons as wellas medium-sized and global companies Every client has its own contact person.lB offers capital market productsprimarily in Europe

Private and Business Clients (PBC): This division is Euro-Banks biggest and most important division and solely services private clients and small businessesin investments The majority of the client segments are located in Germany but also in othercountries of Europe

Estate lnvestments （El)：El manages real estate and industrial holdings Alithough this division is ratherinsignifcant. the group will not withdraw from this sector in the foreseeable future as itis of strategic importance.
[Strategy]:Sale: Euro-Bank sold branch offices in the England which offered services like client advisory, management of bank accounts and investments. Some of these services were replaced by telephone and online banking. Numerous advisory services were outsourced in order to release resources for the PBC division.

Restructuring: Costs could be decreased by restructuring measures or the dismissal of employees.The cost intensive international management structure was redesigned so as to be more cost efficient.

Acquisitions: To provide private clients with a more individual advisory service. Euro-Bank acquired the American private

bank and industry leader,TopConsult which possesses a wide range of experience in investments for private clients.
[Objectives]:Corporate Governance Objectives:Above all, the umbrella organisation and national affliates are bound to them.They include:

Shareholders rights: The right to vote which can only be personally exercised as well as the free acquisition or free amortisation of shares.

Obligations of the executive board and advisory board: The executve board and acvisory board decide on the company strategy together in exceptional cases, the executive board can decide alone.Ifthe exccutve boa d decides alone, it must promptly inform the advisory board and the shareholders.

Remuneration: The remuneration of the members of the executive board is determined by a majority yote of the advisory board, while the executive board decides on the remuner aton of the upper concern management by amajority vote

Transparency: It is not guaranteed if a written financial reportis not completed by the executive board
[Products&Services]:Private clients: They are offered investment services， provisions for the future and capital accumulation and saving through the building society besides the management of bank accounts.

Business cients： Euro- Bank supports freelancers,family, businesses an small companies in the financing and safeguarding of the company.Euro-Bank offers the services of international payment transactions, interest and currency management as well as e-banking due to the globalisation of many companies.

Big corporations: For big corporations, Euro-Bank offers programs for company financing, also by outside capital, among others, leasing and government support programs, among others, Industry experts may carry out credit checks for a company and then optionally accompany a repositioning. All products and services are elither designed for regional or global projects.

Investments are enabled by equity and shiping investment funds in Europe ,the USA and Asia.The hedge founds of Euro-Bank offer the chance of high returns Within a very short time.

[Sites]:Cosmetics & Body: In the USA,Asia,and South America, cosmetics are mainly offered for young girls and women.

Clean & Wash: Laundry detergent is mainly offered n Europe and theUSA, as is household cleaner. In all countries where Evergreen Ltd. offers household cleaner it also ofers washing up liquid.

Glue & Hold: The regional focal point is Europe.The adhesives which are manufact red thereiare mainly special adhesives for industry.

Regional focal points: In Europe, particularly in Gemany. Evergreen Ltd. only has a strong position in the CB and CW company areas. The largest production site in Germany is in Frankfurt.

[Executive board]:Dr. Hans Paris: Chairman and an industrial engineer. He has been employed by the company for five years. Prior to this, after receiving hisdoctorate in Mannheim and Ann Arbor, he worked for 10 years in the USA at a cosmetics company called Flotter & Crample.

Laura Simmons: Head of Human Resources (HR). After her training period at Evergreen Ltd.. she was employed for quite some time in the area of Management Development. then studied psychology and returned to the company. After various deployments abroad, she became Head of HR.

Michael Fuller: Head of Finance/Controlling (FC) and fully qualified lawyer. First of all, he worked as an industrial engineer for an international industrial engineering .company then became Head of the legal department of Evergreen Ltd,and after three years Head of FC.

Dr.Howard Knowles:Head of Marketing/Distribution and certified economist.For ten years, he was employed by an industrial company in the USA and a consumer goods manufacturer in Japan and then joined the executive board of Evergreen Ltd.
Q:In order to ensure transparency and to comply with the company principles，financial report should be provided on a quarterly basis.

[Structure]:Umbrella organisation: It supports the Board of Directors n managing the entire bank Some members of the umbrella organisation are simultaneousily members of Euro-Banks international subsidiaries or other committees Subordinated to the umbrella organisation are three divisions

Investment Bank （IB): Clients are normally private and public instutons as wellas medium-sized and global companies Every client has its own contact person.lB offers capital market productsprimarily in Europe

Private and Business Clients (PBC): This division is Euro-Banks biggest and most important division and solely services private clients and small businessesin investments The majority of the client segments are located in Germany but also in othercountries of Europe

Estate lnvestments （El)：El manages real estate and industrial holdings Alithough this division is ratherinsignifcant. the group will not withdraw from this sector in the foreseeable future as itis of strategic importance.
[Strategy]:Sale: Euro-Bank sold branch offices in the England which offered services like client advisory, management of bank accounts and investments. Some of these services were replaced by telephone and online banking. Numerous advisory services were outsourced in order to release resources for the PBC division.

Restructuring: Costs could be decreased by restructuring measures or the dismissal of employees.The cost intensive international management structure was redesigned so as to be more cost efficient. 

Acquisitions: To provide private clients with a more individual advisory service. Euro-Bank acquired the American private

bank and industry leader,TopConsult which possesses a wide range of experience in investments for private clients.
[Objectives]:Corporate Governance Objectives:Above all, the umbrella organisation and national affliates are bound to them.They include:

Shareholders rights: The right to vote which can only be personally exercised as well as the free acquisition or free amortisation of shares.

Obligations of the executive board and advisory board: The executve board and acvisory board decide on the company strategy together in exceptional cases, the executive board can decide alone.Ifthe exccutve boa d decides alone, it must promptly inform the advisory board and the shareholders.

Remuneration: The remuneration of the members of the executive board is determined by a majority yote of the advisory board, while the executive board decides on the remuner aton of the upper concern management by amajority vote

Transparency: It is not guaranteed if a written financial reportis not completed by the executive board
[Products&Services]:Private clients: They are offered investment services， provisions for the future and capital accumulation and saving through the building society besides the management of bank accounts.

Business cients： Euro- Bank supports freelancers,family, businesses an small companies in the financing and safeguarding of the company.Euro-Bank offers the services of international payment transactions, interest and currency management as well as e-banking due to the globalisation of many companies.

Big corporations: For big corporations, Euro-Bank offers programs for company financing, also by outside capital, among others, leasing and government support programs, among others, Industry experts may carry out credit checks for a company and then optionally accompany a repositioning. All products and services are elither designed for regional or global projects.

Investments are enabled by equity and shiping investment funds in Europe ,the USA and Asia.The hedge founds of Euro-Bank offer the chance of high returns Within a very short time.

[Sites]:Cosmetics & Body: In the USA,Asia,and South America, cosmetics are mainly offered for young girls and women.

Clean & Wash: Laundry detergent is mainly offered n Europe and theUSA, as is household cleaner. In all countries where Evergreen Ltd. offers household cleaner it also ofers washing up liquid.

Glue & Hold: The regional focal point is Europe.The adhesives which are manufact red thereiare mainly special adhesives for industry.

Regional focal points: In Europe, particularly in Gemany. Evergreen Ltd. only has a strong position in the CB and CW company areas. The largest production site in Germany is in Frankfurt.

[Executive board]:Dr. Hans Paris: Chairman and an industrial engineer. He has been employed by the company for five years. Prior to this, after receiving hisdoctorate in Mannheim and Ann Arbor, he worked for 10 years in the USA at a cosmetics company called Flotter & Crample.

Laura Simmons: Head of Human Resources (HR). After her training period at Evergreen Ltd.. she was employed for quite some time in the area of Management Development. then studied psychology and returned to the company. After various deployments abroad, she became Head of HR.

Michael Fuller: Head of Finance/Controlling (FC) and fully qualified lawyer. First of all, he worked as an industrial engineer for an international industrial engineering .company then became Head of the legal department of Evergreen Ltd,and after three years Head of FC.

Dr.Howard Knowles:Head of Marketing/Distribution and certified economist.For ten years, he was employed by an industrial company in the USA and a consumer goods manufacturer in Japan and then joined the executive board of Evergreen Ltd.
Q:Transactions relating to hedge founds are exclusively carried out in dollars since five years ago.

[Strategy]:Sale: Euro-Bank sold branch offices in the England which offered services like client advisory, management of bank accounts and investments. Some of these services were replaced by telephone and online banking. Numerous advisory services were outsourced in order to release resources for the PBC division.

Restructuring: Costs could be decreased by restructuring measures or the dismissal of employees.The cost intensive international management structure was redesigned so as to be more cost efficient.

Acquisitions: To provide private clients with a more individual advisory service. Euro-Bank acquired the American private

bank and industry leader,TopConsult which possesses a wide range of experience in investments for private clients.
[Objectives]:Corporate Governance Objectives:Above all, the umbrella organisation and national affliates are bound to them.They include:

Shareholders rights: The right to vote which can only be personally exercised as well as the free acquisition or free amortisation of shares.

Obligations of the executive board and advisory board: The executve board and acvisory board decide on the company strategy together in exceptional cases, the executive board can decide alone.If the exccutve board decides alone, it must promptly inform the advisory board and the shareholders.

Remuneration: The remuneration of the members of the executive board is determined by a majority yote of the advisory board, while the executive board decides on the remuner aton of the upper concern management by amajority vote

Transparency: It is not guaranteed if a written financial reportis not completed by the executive board
[Products&Services]:Private clients: They are offered investment services， provisions for the future and capital accumulation and saving through the building society besides the management of bank accounts.

Business cients： Euro- Bank supports freelancers,family, businesses an small companies in the financing and safeguarding of the company.Euro-Bank offers the services of international payment transactions, interest and currency management as well as e-banking due to the globalisation of many companies.

Big corporations: For big corporations, Euro-Bank offers programs for company financing, also by outside capital, among others, leasing and government support programs, among others, Industry experts may carry out credit checks for a company and then optionally accompany a repositioning. All products and services are elither designed for regional or global projects.

Investments are enabled by equity and shiping investment funds in Europe ,the USA and Asia.The hedge founds of Euro-Bank offer the chance of high returns Within a very short time.

[Sites]:Cosmetics & Body: In the USA,Asia,and South America, cosmetics are mainly offered for young girls and women.

Clean & Wash: Laundry detergent is mainly offered n Europe and theUSA, as is household cleaner. In all countries where Evergreen Ltd. offers household cleaner it also ofers washing up liquid.

Glue & Hold: The regional focal point is Europe.The adhesives which are manufact red thereiare mainly special adhesives for industry.

Regional focal points: In Europe, particularly in Gemany. Evergreen Ltd. only has a strong position in the CB and CW company areas. The largest production site in Germany is in Frankfurt.

[Executive board]:Dr. Hans Paris: Chairman and an industrial engineer. He has been employed by the company for five years. Prior to this, after receiving hisdoctorate in Mannheim and Ann Arbor, he worked for 10 years in the USA at a cosmetics company called Flotter & Crample.

Laura Simmons: Head of Human Resources (HR). After her training period at Evergreen Ltd.. she was employed for quite some time in the area of Management Development. then studied psychology and returned to the company. After various deployments abroad, she became Head of HR.

Michael Fuller: Head of Finance/Controlling (FC) and fully qualified lawyer. First of all, he worked as an industrial engineer for an international industrial engineering .company then became Head of the legal department of Evergreen Ltd,and after three years Head of FC.

Dr.Howard Knowles:Head of Marketing/Distribution and certified economist.For ten years, he was employed by an industrial company in the USA and a consumer goods manufacturer in Japan and then joined the executive board of Evergreen Ltd.
Q:In Euro-Bank‘s investment bank division public institution cannot purchase any international capital market product.

[Structure]:Umbrella organisation: It supports the Board of Directors n managing the entire bank Some members of the umbrella organisation are simultaneousily members of Euro-Banks international subsidiaries or other committees Subordinated to the umbrella organisation are three divisions

Investment Bank （IB): Clients are normally private and public instutons as wellas medium-sized and global companies Every client has its own contact person.lB offers capital market productsprimarily in Europe

Private and Business Clients (PBC): This division is Euro-Banks biggest and most important division and solely services private clients and small businessesin investments The majority of the client segments are located in Germany but also in othercountries of Europe

Estate lnvestments （El)：El manages real estate and industrial holdings Alithough this division is ratherinsignifcant. the group will not withdraw from this sector in the foreseeable future as itis of strategic importance.
[Strategy]:Sale: Euro-Bank sold branch offices in the England which offered services like client advisory, management of bank accounts and investments. Some of these services were replaced by telephone and online banking. Numerous advisory services were outsourced in order to release resources for the PBC division.

Restructuring: Costs could be decreased by restructuring measures or the dismissal of employees.The cost intensive international management structure was redesigned so as to be more cost efficient. 

Acquisitions: To provide private clients with a more individual advisory service. Euro-Bank acquired the American private

bank and industry leader,TopConsult which possesses a wide range of experience in investments for private clients.
[Objectives]:Corporate Governance Objectives:Above all, the umbrella organisation and national affliates are bound to them.They include:

Shareholders rights: The right to vote which can only be personally exercised as well as the free acquisition or free amortisation of shares.

Obligations of the executive board and advisory board: The executve board and acvisory board decide on the company strategy together in exceptional cases, the executive board can decide alone.Ifthe exccutve boa d decides alone, it must promptly inform the advisory board and the shareholders.

Remuneration: The remuneration of the members of the executive board is determined by a majority yote of the advisory board, while the executive board decides on the remuner aton of the upper concern management by amajority vote

Transparency: It is not guaranteed if a written financial reportis not completed by the executive board
[Products&Services]:Private clients: They are offered investment services， provisions for the future and capital accumulation and saving through the building society besides the management of bank accounts.

Business cients： Euro- Bank supports freelancers,family, businesses an small companies in the financing and safeguarding of the company.Euro-Bank offers the services of international payment transactions, interest and currency management as well as e-banking due to the globalisation of many companies.

Big corporations: For big corporations, Euro-Bank offers programs for company financing, also by outside capital, among others, leasing and government support programs, among others, Industry experts may carry out credit checks for a company and then optionally accompany a repositioning. All products and services are elither designed for regional or global projects.

Investments are enabled by equity and shiping investment funds in Europe ,the USA and Asia.The hedge founds of Euro-Bank offer the chance of high returns Within a very short time.

[Sites]:Cosmetics & Body: In the USA,Asia,and South America, cosmetics are mainly offered for young girls and women.

Clean & Wash: Laundry detergent is mainly offered n Europe and theUSA, as is household cleaner. In all countries where Evergreen Ltd. offers household cleaner it also ofers washing up liquid.

Glue & Hold: The regional focal point is Europe.The adhesives which are manufact red thereiare mainly special adhesives for industry.

Regional focal points: In Europe, particularly in Gemany. Evergreen Ltd. only has a strong position in the CB and CW company areas. The largest production site in Germany is in Frankfurt.

[Executive board]:Dr. Hans Paris: Chairman and an industrial engineer. He has been employed by the company for five years. Prior to this, after receiving hisdoctorate in Mannheim and Ann Arbor, he worked for 10 years in the USA at a cosmetics company called Flotter & Crample.

Laura Simmons: Head of Human Resources (HR). After her training period at Evergreen Ltd.. she was employed for quite some time in the area of Management Development. then studied psychology and returned to the company. After various deployments abroad, she became Head of HR.

Michael Fuller: Head of Finance/Controlling (FC) and fully qualified lawyer. First of all, he worked as an industrial engineer for an international industrial engineering .company then became Head of the legal department of Evergreen Ltd,and after three years Head of FC.

Dr.Howard Knowles:Head of Marketing/Distribution and certified economist.For ten years, he was employed by an industrial company in the USA and a consumer goods manufacturer in Japan and then joined the executive board of Evergreen Ltd.
Q:Euro-Bank's Private and Business clients divisions has most of its clients in Germany.

[Locations]
Asset Management:In the USA ,the bank offers the investmentbof property for medium-size business,among others,in Australia,Japan,Singerpore and Brazil also for private clients and small business. Investment funds/options: Investment funds and options are offered apart from in Europe. the UsAin Asia as well as cotions.in some European countries n which Euro-Bank offers options it also offers funds of funds

Hedge Funds: The regional focusesare the metropolises New Yor To.yo sydney and London The currency in which transactions of hedge funds are made, is theUS dollar

Regional focus: in Europe especially in Germany Euro-Bank has a strong position in allcompany divisions.f the number of employees is taken as a measurement oriterion. the most important branch office of Euro-Bank is Frankfurt.

Q:Euro-Bank private and Business Clients division has most of its clients in Germany.

组织结构:伞式组织：该组织为董事会管理整个银行提供支持。伞式组织的部分成员同时也是董事会成员。约瑟夫·费曼是董事会成员之一，赛事组织属下有三大分部：

投资银行部：客户通常是私人机构，公共机构，中型公司，国际公司和国内公司。每个客户都有自己的联系人，投资银行部在全球各地提供资本市场产品。

私人和企业客户部：这是欧陆银行最大最重要的业务部门之一，为私人客户和小型企业提供投资服务。该部门的重点客户群在欧洲，但也分布在世界上的其他国家。

不动产投资部：不动产投资部管理的是房地产和工业不动产，该部门虽然分量很轻，但是该集团在可预见的未来里都不会撤出这个领域，因为它具有重要战略意义。

战略:专注于核心业务：
销售：欧陆银行售出提供客户咨询，银行账户管理，投资服务的美国分支机构，这些服务有些被网上银行取代，多项咨询服务已经被分离出来，以便释放资源供私人和企业客户部使用。

重组：可通过重组措施或解聘员工来降低成本。可通过风险资产重组和股份回购来提高净资产收益率。

收购：为了向私人客户提供更加个性化的咨询服务，欧陆银行收购了英国私人银行贝恩斯。该银行是一家领先的私人银行。在私人客户投资业务方面经验丰富。

原则:公司原则：所有部门和伞式组织以及投资顾问都有义务遵守这些原则，包括：

股东权利：包括购买和自由出售股份，行使表决权以及分享企业利润。

董事会和监事会义务：董事会和监事会有义务服从欧陆银行的利益，董事会对企业战略做出决定，并须定期向监事会通报集团情况。董事会对集团战略作出决定时，须由监事会批准。

薪酬：董事会成员的薪酬由监事会决定，而董事会决定集团高级管理人员的薪酬。

透明度：财务报告如果提供不及时，则无法确保透明度。最佳是按季度提供报告。

产品和服务:私人客户：除提供银行账户的管理外，还为其提供投资理财、资本积累，通过房屋互助协会储蓄等服务。

商业客户：欧陆银行为个体经营客户和家族企业提供融资和公司保障方面的支持。随着企业业务全球化，欧陆银行提供的服务包括国际支付业务，利息和货币管理以及电子银行。

大型企业:针对大型企业,欧陆银行提供企业融资计划，还有外部资本、租赁和政府资助计划等。业界专家可以对公司进行信用审核，然后可以有选择的进行重新定位。所有产品和服务都是为地区项目和全球项目而设计的。

投资是通过在欧洲，美国，南非和亚洲的股权和不动产投资基金实现的。凭借欧陆银行的对冲基金，有机会在很短的时间内获得较高的回报。

地点:资产管理：在美国，该银行为私人客户和小型企业等提供不动产投资，在澳大利亚，日本，新加坡和巴西则主要面向中型企业。

投资基金/认股权证：在欧洲，美国，亚洲和阿拉伯联合酋长国提供投资基金和认股权证。欧陆银行还在积极提供认股权证的某些国家里提供不动产基金。

对冲基金：区域重点是纽约，东京，悉尼和伦敦，这些大都市。对冲基金的交易货币是美元。

区域重点：在欧洲，尤其是在德国欧陆银行各部门实力都很强，如果以员工数量为准则，欧陆银行最重要的分行是慕尼黑。

董事会:约瑟夫·费曼博士：董事会主席，注册经济师。他已担任董事会成员五年时间，在旧金山获得博士头衔后，他曾经作为财务顾问为美国库克咨询公司效力五年时间。

丽莎·西路：投资银行部主管，在欧陆银行完成银行实习后，她攻读了经济学。然后回到欧陆银行担任客户顾问，并在纽约和洛杉矶工作后成为投资银行部主管。

瑞恩·沃尔夫：私人和企业客户部主管，具有律师资格。他首先担任房地产法律领域的律师，后担任欧陆银行法律部法律顾问，并在三年后成为私人和企业客户部主管。

马克·勃兰特博士：投资银行部主管，注册政治经济师，他曾在亚洲多个国家和地区（马来西亚、香港等）效力于某家私人银行达十年之久。在获得欧陆银行非常优越的聘请邀约后，他加入欧陆银行担任战略顾问。

比起房地产基金，股票基金更常用于投资?

组织结构:伞式组织：该组织为董事会管理整个银行提供支持。伞式组织的部分成员同时也是董事会成员。约瑟夫·费曼是董事会成员之一，赛事组织属下有三大分部：

投资银行部：客户通常是私人机构，公共机构，中型公司，国际公司和国内公司。每个客户都有自己的联系人，投资银行部在全球各地提供资本市场产品。 

私人和企业客户部：这是欧陆银行最大最重要的业务部门之一，为私人客户和小型企业提供投资服务。该部门的重点客户群在欧洲，但也分布在世界上的其他国家。

不动产投资部：不动产投资部管理的是房地产和工业不动产，该部门虽然分量很轻，但是该集团在可预见的未来里都不会撤出这个领域，因为它具有重要战略意义。

战略:专注于核心业务：
销售：欧陆银行售出提供客户咨询，银行账户管理，投资服务的美国分支机构，这些服务有些被网上银行取代，多项咨询服务已经被分离出来，以便释放资源供私人和企业客户部使用。  

重组：可通过重组措施或解聘员工来降低成本。可通过风险资产重组和股份回购来提高净资产收益率。

收购：为了向私人客户提供更加个性化的咨询服务，欧陆银行收购了英国私人银行贝恩斯。该银行是一家领先的私人银行。在私人客户投资业务方面经验丰富。

原则:公司原则：所有部门和伞式组织以及投资顾问都有义务遵守这些原则，包括：

股东权利：包括购买和自由出售股份，行使表决权以及分享企业利润。

董事会和监事会义务：董事会和监事会有义务服从欧陆银行的利益，董事会对企业战略做出决定，并须定期向监事会通报集团情况。董事会对集团战略作出决定时，须由监事会批准。

薪酬：董事会成员的薪酬由监事会决定，而董事会决定集团高级管理人员的薪酬。

透明度：财务报告如果提供不及时，则无法确保透明度。最佳是按季度提供报告。

产品和服务:私人客户：除提供银行账户的管理外，还为其提供投资理财、资本积累，通过房屋互助协会储蓄等服务。     

商业客户：欧陆银行为个体经营客户和家族企业提供融资和公司保障方面的支持。随着企业业务全球化，欧陆银行提供的服务包括国际支付业务，利息和货币管理以及电子银行。

大型企业:针对大型企业,欧陆银行提供企业融资计划，还有外部资本、租赁和政府资助计划等。业界专家可以对公司进行信用审核，然后可以有选择的进行重新定位。所有产品和服务都是为地区项目和全球项目而设计的。

投资是通过在欧洲，美国，南非和亚洲的股权和不动产投资基金实现的。凭借欧陆银行的对冲基金，有机会在很短的时间内获得较高的回报。

地点:资产管理：在美国，该银行为私人客户和小型企业等提供不动产投资，在澳大利亚，日本，新加坡和巴西则主要面向中型企业。

投资基金/认股权证：在欧洲，美国，亚洲和阿拉伯联合酋长国提供投资基金和认股权证。欧陆银行还在积极提供认股权证的某些国家里提供不动产基金。

对冲基金：区域重点是纽约，东京，悉尼和伦敦，这些大都市。对冲基金的交易货币是美元。

区域重点：在欧洲，尤其是在德国欧陆银行各部门实力都很强，如果以员工数量为准则，欧陆银行最重要的分行是慕尼黑。

董事会:约瑟夫·费曼博士：董事会主席，注册经济师。他已担任董事会成员五年时间，在旧金山获得博士头衔后，他曾经作为财务顾问为美国库克咨询公司效力五年时间。

丽莎·西路：投资银行部主管，在欧陆银行完成银行实习后，她攻读了经济学。然后回到欧陆银行担任客户顾问，并在纽约和洛杉矶工作后成为投资银行部主管。

瑞恩·沃尔夫：私人和企业客户部主管，具有律师资格。他首先担任房地产法律领域的律师，后担任欧陆银行法律部法律顾问，并在三年后成为私人和企业客户部主管。

马克·勃兰特博士：投资银行部主管，注册政治经济师，他曾在亚洲多个国家和地区（马来西亚、香港等）效力于某家私人银行达十年之久。在获得欧陆银行非常优越的聘请邀约后，他加入欧陆银行担任战略顾问。

在重组过程中被裁减的员工大部分是分支机构的员工?