{"id":2146,"date":"2024-04-21T09:49:04","date_gmt":"2024-04-21T07:49:04","guid":{"rendered":"https:\/\/www.osv-jahresbericht.de\/2023\/?page_id=2146"},"modified":"2024-04-23T13:46:51","modified_gmt":"2024-04-23T11:46:51","slug":"wolfgang-zender","status":"publish","type":"page","link":"https:\/\/www.osv-jahresbericht.de\/2023\/wolfgang-zender\/","title":{"rendered":"Wolfgang Zender"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2146\" class=\"elementor elementor-2146\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ab1bbb3 e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"ab1bbb3\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e6b186 elementor-widget elementor-widget-heading\" data-id=\"4e6b186\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 18-04-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Wolfgang Zender<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bdb0028 elementor-widget elementor-widget-text-editor\" data-id=\"bdb0028\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 18-04-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Interview mit OSV-Verbands\u00adgesch\u00e4fts\u00adf\u00fchrer Wolfgang Zender<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6839014 e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"6839014\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e16e387 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e16e387\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 18-04-2024 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class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t\t\t<div class=\"elementor-custom-embed-image-overlay lazyload\" style=\"background-image:inherit;\" data-bg-image=\"url(https:\/\/www.osv-jahresbericht.de\/2023\/wp-content\/uploads\/2024\/04\/video-cover-zender.jpg)\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-513ce3b e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"513ce3b\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f31fbb2 e-con-full e-flex e-con e-child\" data-id=\"f31fbb2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a9bee01 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"a9bee01\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Fragen & Antworten<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9d4056e e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"9d4056e\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8621627 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"8621627\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Trotz schwieriger Rahmenbedingungen verlief das Gesch\u00e4ftsjahr 2023 \u201ebemerkenswert\u201c. Obwohl das Neugesch\u00e4ft stark sank, konnten die Ertr\u00e4ge der OSV-Sparkassen gesteigert werden. Insbesondere das Kreditgesch\u00e4ft war von einer schwachen Konjunktur in Deutschland und Unsicherheiten durch die globale Entwicklung negativ betroffen.<\/p><p>Die Mischung aus verbessertem Zins\u00fcberschuss, aber auch die Ausrichtung der Kundinnen und Kunden auf langfristige Anlagen f\u00fchrten zu einem starken Betriebsergebnis. Im Vergleich zum Vorjahr verdreifachte sich das erwartete Jahresergebnis auf 350 Millionen Euro.<\/p><p>Kundinnen und Kunden reduzierten zwar klassische Einlagen und Spargelder, aber stockten bei Termingeld und Sparkassen-Eigenemissionen auf. 2023 wurde der leichte R\u00fcckgang der bilanzwirksamen Einlagen durch das rege Netto-Wertpapiergesch\u00e4ft mehr als ausgeglichen.<\/p><p>Ob Beratungshaus, Arbeitgeberattraktivit\u00e4t, NOSA oder die Fusion der LBS NordOst \u2013 Wolfgang Zender gibt Antworten auf ausgew\u00e4hlte Schwerpunkte des Jahres 2023.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-77ead82 e-flex e-con-boxed e-con e-parent\" data-id=\"77ead82\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb8faa8 elementor-widget elementor-widget-spacer\" data-id=\"fb8faa8\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 18-04-2024 *\/\n.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-con{--container-widget-width:100%}.e-con-inner>.elementor-widget-spacer,.e-con>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));--align-self:var(--container-widget-align-self,initial);--flex-shrink:0}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container,.e-con>.elementor-widget-spacer>.elementor-widget-container{height:100%;width:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty,.e-con>.elementor-widget-spacer.elementor-widget-empty{position:relative;min-height:22px;min-width:22px}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon,.e-con>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon{position:absolute;top:0;bottom:0;left:0;right:0;margin:auto;padding:0;width:22px;height:22px}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Wolfgang Zender Interview mit OSV-Verbands\u00adgesch\u00e4fts\u00adf\u00fchrer Wolfgang Zender Fragen &#038; Antworten Trotz schwieriger Rahmenbedingungen verlief das Gesch\u00e4ftsjahr 2023 \u201ebemerkenswert\u201c. Obwohl das Neugesch\u00e4ft stark sank, konnten die Ertr\u00e4ge der OSV-Sparkassen gesteigert werden. Insbesondere das Kreditgesch\u00e4ft war von einer schwachen Konjunktur in Deutschland und Unsicherheiten durch die globale Entwicklung negativ betroffen. Die Mischung aus verbessertem Zins\u00fcberschuss, aber auch [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-2146","page","type-page","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/www.osv-jahresbericht.de\/2023\/wp-json\/wp\/v2\/pages\/2146","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.osv-jahresbericht.de\/2023\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.osv-jahresbericht.de\/2023\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.osv-jahresbericht.de\/2023\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.osv-jahresbericht.de\/2023\/wp-json\/wp\/v2\/comments?post=2146"}],"version-history":[{"count":13,"href":"https:\/\/www.osv-jahresbericht.de\/2023\/wp-json\/wp\/v2\/pages\/2146\/revisions"}],"predecessor-version":[{"id":2656,"href":"https:\/\/www.osv-jahresbericht.de\/2023\/wp-json\/wp\/v2\/pages\/2146\/revisions\/2656"}],"wp:attachment":[{"href":"https:\/\/www.osv-jahresbericht.de\/2023\/wp-json\/wp\/v2\/media?parent=2146"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}