Capital Markets Day Athens, 16 January 2006 ALPHA. Retail Banking. G. Aronis Senior Manager, Retail Banking
|
|
- Horace Stewart
- 7 years ago
- Views:
Transcription
1 Capital Markets Day Athens, 16 January 2006 ALPHA BANΚ Retail Banking G. Aronis Senior Manager, Retail Banking
2 Contents: page Retail Banking at a Glance 3 Strategic Emphasis on Retail Banking 4 Household Lending: Action Plan is Already Paying Off 5 Outpacing Peers in Household Lending 6 Mortgages: Rapid Growth 7 Consumer Loans : Continued focus on growth 8 Cards: Innovative products for all market segments 10 Cards: Fast Growing Issuing 11 Cards: Market Leadership in Acquiring 12 Cards: Strong Performance Ahead of Plan 13 Cards: Future Growth 14 Focus on Small Business Lending 15 Three Distinct Bands of Business Clients 16 New Division for Deposit & Investment Products 17 Alpha Prime: A New Banking Experience 18 Branch Network: Ideal size 19 Branch Network: Strong Urban Concentration 20 On-line Banking & Brokerage 21 Management Information System 22 Sound Credit Risk Management 23 Credit Risk Management 24 International Retail Banking Division 25 Next Steps for Future Growth 26 2
3 Retail Banking at a Glance High rate of growth in Housing Loans Decelerating rate of growth in Consumer Credit Concentration in 5 largest banks Banking sector shifts focus to Retail and Small Business Banking High growth in traditional deposit products (Deposit/Current Accounts) Increase in number of Branches Increase in advertising spending (+50%) Price war ante portas? Greek retail lending (as a % of GDP) is almost half of the UK The Greek economy is driven by Consumption increases in penetration levels 3
4 Strategic Emphasis on Retail Banking Mission: To Gain Our Fair Market Share Key Initiatives Product Ownership to separate Units Rationalize product offering Intensify cross-selling Apply sales-oriented approach Branch network: competitive advantage Multi-channel banking Minimize branch operational load Centralize credit approval Better customer service quality Actions Establishment of new Divisions Housing Loans Division Consumer Loans Division Deposit & Investment Products Division Key Product Development & Pricing Establishment of clear guidelines & targets for key products Communication / Evaluation of Branch performance Establishment of Network Planning & Evaluation Department Efficient use of Alternative Distribution Channels Advertising (Consistent and Continuous) Operations & Outsourcing Improvement Risk Management Improvement (Credit/Black holes) Centralized Collections Establishment of Quality Assurance Department 4
5 Household Lending: Action Plan is Already Paying Off Mortgages & Consumer Credit Growth (yoy) 12,0 10,0 8,0 8,4 6,0 6,3 6,7 4,0 2,0 0,0 4,9 3,8 2,8 2,8 3,7 1,3 1, Target 2005 Actual 2005 Target 2006 ( billion) Consumer Credit Mortgages In two years retail banking outstandings have almost doubled 5
6 Outpacing Peers in Household Lending Increase in Mortgage & Consumer Credit Outstandings % -0.25% -5.35% Alpha Bank National Eurobank Year to Sept 2004 Year to Sept 2005 In the first three quarters of 2005 Alpha Bank has outpaced its peers in net outstandings growth 6
7 Mortgages: Rapid Growth From 9.5% market share in 2001 (bps) Outstandings and Growth (yoy) to 15% in Key drivers for success: ( billion) 22.8% 4,5 25.8% 4,9 28.2% 5,2 32.1% 5,7 35.8% 6,1 New flexible products Centralization of credit approval & operations Sep Dec Mar Jun Sep Outstandings Spreads (quarter ending in month indicated) Targets and performance evaluation Growing use of alternative channels Market Share 20% of new loans from developers & real estate brokers Own customer base with low penetration rate Corporate image 14,4% 14,5% 14,7% 14,9% Staff training 14,2% Sep Dec Mar Jun Sep
8 Consumer Loans : Continued focus on growth Alpha Bank is looking to retain and grow profitable market share through the expansion and development of Consumer Loans portfolio 14,5% 13,1% 13,3% 12,6% 12,7% 12,7% 12,3% Sep Dec Mar Jun Sep est est We reinforced our three primary distribution channels for new business Emphasis on sales through third parties and direct marketing ALL IN 1 :The first widely marketed balance transfer product in the market Instant Credit :Applications received increased 191% to nearly Market Share in Consumer Loans Branch Network Instant Credit Direct Marketing 1% 14% 17% 17% 34% 16% 17% 85% 67% 66% Jan-Sep 2004 Jan-Sep 2005 est New business per channel 8
9 Consumer Loans : Continued focus on growth New Marketing approach as well as organizational and operational changes drives to outstanding value results Consumer Loans Disbursements Consumer Loan Business Income Jan. Sep. 48% (in million) Total Income % change % 730 NII - Personal Loans 42,8 66,5 55,4% - Consumer Loans 5,3 7,5 41,5% 2004 est est TOTAL NII 48,1 74,0 53,8% New Disbursements 9
10 Cards: Innovative products for all market segments AFFLUENT PREMIUM MARKET MASS AFFLUENT MASS SEGMENT MASS MARKET Debit Products ENTRY LEVEL Sole Issuer & Acquirer of all three major international brands Comprehensive portfolio with a range of products for all customer segments 10
11 Cards: Fast Growing Issuing Issuing: Market Share 20% Cards in Force Credit Cards In Force By Brand 2005 YEnd (in thousands) Credit Cards % 13% MASTERCARD 15% -VISA % -AMEX - MasterCard % 24% AMEX 34% VISA 51% - Store Cards % Debit Cards 1,393 1,480 6% TOTAL 2,208 2,400 9% Growth focus on credit through carefully designed portfolio mix Business growth outpacing the market 13% in credit cards in force vs market 3-4% (est) 14% in billed business vs market 7-8% (est) The largest Visa Issuer in the country The sole American Express Issuer The third largest MasterCard Issuer 11
12 Cards: Market Leadership in Acquiring Acquiring: Market Share 28% Acquiring Business Volumes Acquiring By Brand (in million) % -VISA % MASTERCARD 15% -AMEX - MasterCard % 23.9% TOTAL % 8% growth in 2005 on top of 18% increase in 2004 (Olympic Games) while maintaining 15-20% premium in commissions over competition The largest merchant network ( merchants) State of the art POS network ca terminals Focus on infrastructure cost reductions. Strategic decision for POS sharing Sole acquirer of American Express products Strategy to continue expanding Amex portfolio AMEX 22% VISA 62% 12
13 Cards: Strong Performance Ahead of Plan Credit Cards Card Business Income Jan. Sep. (bps) 869 (growth yoy) 27.2% % % 34.3% 28.4% 28% (in million) % change Total Income % -NII % 779 m 845 m 922 m 941 m 1000 m 1280 m - Commissions Average Card Balance % 35.4% Dec Mar Jun Sep Dec Budget 2006 Gross Revenue Margin 15.1% 15.6% 14.1% Balances Spreads (quarter ending in month indicated) Higher than double the market rate increase in balances 28.4% vs market 13% (est) Constantly improving spread Continuing marketing efforts to improve card activation and usage 13
14 Cards: Future Growth Key Actions Planned Impact Innovative product development Value proposition reinforcement with latest technology chip based loyalty schemes Customer segmentation niche segments Maintain leadership in cards Increase cards usage turnover Improve share of wallet More focused customer service Increase penetration through cross selling Accelarate sales through more efficient use of alternative channels By End 2008 Outstandings 1.9bn ( 90% growth) Credit CIF 1.4m (50% growth) 14
15 Three Distinct Bands of Business Clients Number of companies ~835,000 ~6,000-6,700 ~400 Expected Growth % 6% Total outstanding loans (in bn) Turnover 0-3Μ 3-50Μ > 50Μ Standardize offering Right-size coverage Maximize penetration 15
16 Focus on Small Business Lending Key drivers for success: Customer Segmentation Separate Small Businesses & Self-Employed professionals from the rest of Business Loans Apply targeted approach Advertising Centralization of operations Standardized process Effective credit administration support Targets and performance evaluation for key products Growing use of alternative channels Accountants Third party salesforce Small business advisors in Branches Small Business Loans (< 1 million in limits) Outstandings and Growth (yoy) % 565 2,847 2,920 3,016 3,093 3,066 2,504 2,552 2,647 2,657 2, % % Sep Dec Mar Jun Sep New loan facilities to businesses with turnover up to 1 million Spreads (quarter ending in month indicated) 16
17 New Division for Deposit & Investment Products Target Increase On-and Off- Balance Sheet Asset Gathering Strategy Develop Product Solutions that Meet the Needs of Identified Value Pools and drive their efficient delivery from the retail network Deposit Products Increase brand awareness & recognition Drive digital innovation capitalizing on Alpha s predominant Web Banking position Investment Products Deliver a wide range of wealth management solutions to satisfy the increasing risk appetite of retail investors Offer Bundled/Life Event propositions Sales Networks Build staff pride in product range and propensity to recommend Exploit the Prime Banking segment 17
18 A New Banking Experience HNW (300+)* Mass Affluent Market Targets the Mass Affluent segment Market size* : 20 bn No. Clients* : Levels of Wealth Mass Affluent Retail (60-300)* (0-60)* * amounts in thousands Approach The establishment of long term relationships with clients Specialized personnel in selected branches Excellence in customer experience (Convenience & Flexibility) Managed by Alpha Private Bank Offering Specially designed Banking Offering by Alpha Private Bank Specially designed Investment Offering by Alpha Private Bank Infrastructure Use of the existing Alpha Private Bank infrastructure (Sales, IT, Sales & Trading Desk, Back Office) Use of a specialized Call center Roll out 1st Quarter 2006: presence in approximately 30 Branches Mid 2007 : presence in approximately 100 Branches *source: ALPHA PRIVATE BANK 18
19 Branch Network: Ideal size Multiple Delivery Channels Sales and Service Third Parties (retailers, real estate developers & brokers) Call Center ATM network & On-line Banking Branches Key drivers for success: Sales-oriented approach Targets and performance evaluation System of productivity incentives Automation & centralization of operations Appropriate support procedures Branch network size & deployment is ideal for Greece Over 360 Branches which cover all geographical areas of interest Efficient use of resources 19
20 Branch Network: Strong Urban Concentration Branches Population Companies Turnover Attica % 45% 35% 67% Thessaloniki 36 10% 10% 10% 8% Other areas % 45% 55% 25% TOTAL 366 Branches and no of staff Branches No of Staff over 20 staff 10% 3-9 staff 43% staff 47% 20
21 On-line Banking & Brokerage On-line Banking: 12% of all transactions Alpha Web Banking Internet banking for individuals and companies (168,000 subscribers) Alpha Line PC-banking for companies (2,400 subscribers) Alpha Phone Telephone banking through IVR or call centers (7,000 active users) On-line Brokerage: 55% of all transactions Alpha Trade Direct stock broking through phone, web, and mobile ALPHALINE 53% Branches 65% Online Account Transfers Sep ALPHA WEB BANKING 46% Banking Transactions Sep On-line banking 13% ATMs 22% Jan-00 Apr-00 Alpha Web Banking Transactions Jul-00 (in thousands) T Oct-00 Jan-01 Apr-01 Jul-01 Oct-01 Jan-02 Bill payments Apr-02 Jul-02 ALPHAPHONE 1% Oct-02 Jan-03 Apr-03 Jul-03 Oct-03 Jan-04 Jun-04 Sep-04 Dec-04 Account transfers 60% market share in interbank bill payments Online Bill Payments Sep ALPHALINE 2% Mar-05 Jun-05 Sep-05 T ALPHAPHONE 1% ALPHA WEB BANKING 97% 21
22 Management Information System Profitability & Cost Management Gathering information on profits and costs per point of sales, product and customer Decision Support Generating profit/loss statements per product. Providing information for better decisions about how to price products and where to cut costs Efficient Customer Relationship Management Projecting the product profitability on our entire customer base and providing a clear reading of how much each customer or segment is affecting our bottom line. In this way relationship managers know where to focus their attention and resources 22
23 Sound Credit Risk Management Relationship Management Relationship Management Accounts Management Credit Marketing Collections Authorizations Cross Selling Relationship Management Relationship Management 23
24 Credit Risk Management Repayment Intention Controls Eight application scorecards, to estimate probability of payment default (prospective customers). Development and verification twice a year. Customer Grading Model, based on behavioral data (existing customers). In-house development and monitoring. Repayment Ability Controls Calculation of loan burden per customer in compliance with Bank of Greece guidelines. Full assessment of Customer status (total loan burden through Teiresias Risk Consolidation System, Income, total burden if new credit application is approved). Score/Grade. Collections Different Collection strategies per channel according to its risk level (e.g. Instant Credit High risk channel Different Collections policy) Annual Credit & Collections Policy Reviews Verification and improvement of operations 24
25 International Retail Banking Division The new Division provides to the branch network in SE Europe: Information on new economic and market developments Support of operations and procedures e.g. score cards, instant credit etc Know how for the introduction of new products in the region Greek Market experience product life cycles, sales forecasts, etc New distribution channels agreements with large retailers, alternative networks etc New product development design and proposal of new flexible loans, cards etc Coordination of people and resources in Athens and the region Cooperation at all management levels on pending issues 25
26 Next Steps for Future Growth From risk minimization to Profit maximization Customer Segmentation product offering Continued emphasis on sales and performance evaluation Further improvement of customer service quality Further separation of sales from operations Centralization of mortgage credit approval Determination of criteria and risk factors Further improvements in Credit Risk Management Continue successful advertising approach capitalizing on the Bank s clean-cut corporate image 26
27 Capital Markets Day Athens, 16 January 2006 ALPHA BANΚ: : AGENDA 2010 Retail Banking G. Aronis Senior Manager, Retail Banking
Second Quarter 2015 Trading Update. 28 September 2015
Second Quarter 2015 Trading Update 28 September 2015 Disclaimer This communication and the information contained herein has been approved by the Board of Directors of Eurobank Ergasias S.A. ( Eurobank
More information>Analysts conference. Dr. Andre Carls, CEO Karin Katerbau, CFO. Frankfurt/Main, 14 February 2006
>Analysts conference Dr. Andre Carls, CEO Karin Katerbau, CFO Frankfurt/Main, 14 February 2006 > Agenda comvalue taking effect Convincing growth programme record results Offering and sales expanded More
More informationFor personal use only INVESTOR PRESENTATION MARCH 2015
INVESTOR PRESENTATION MARCH 2015 Contents Part 1 Yellow Brick Road Group - performance update Key Metrics and Financial Results The model in motion brand, distribution, product Part 2 Acquisition journey
More informationAfrican Bank Investments Limited Strategies to grow in the mass market
African Bank Investments Limited Strategies to grow in the mass market June 2007 Presentation agenda Who we are Our target market A transforming business Is this a good time to be in this market? Outlook
More informationWealth Management presentation. Gunn Wærsted, Head of Wealth Management
Wealth Management presentation Gunn Wærsted, Head of Wealth Management Wealth Management overview Strategic direction Wealth Management an area with strong financials, welladjusted to New Normal Share
More informationReacting to the Challenges: Business Strategies for Future Success. Todd S. Adams, Chief Executive Officer Adams Bank & Trust Ogallala, Nebraska
Reacting to the Challenges: Business Strategies for Future Success Todd S. Adams, Chief Executive Officer Adams Bank & Trust Ogallala, Nebraska Adams Bank & Trust Family Owned for 95 Years $525 Million
More information> Erste Bank Croatia Building a retail bank with 15% market share and a meaningful contributor to group profits
> Erste Bank Croatia Building a retail bank with 15% market share and a meaningful contributor to group profits > 2 nd Capital Markets Day > Budapest > Sava Dalbokov, Member of the EBCR Managing Board
More informationDubai Islamic Bank. Investor Presentation June 30 th 2011. www.dib.ae
Dubai Islamic Bank Investor Presentation June 30 th 2011 www.dib.ae Disclaimer The information provided in this presentation should not be used as a substitute for any form of advice. Decisions based on
More informationBETTER RELATIONSHIP SELLING
BETTER RELATIONSHIP SELLING A Proven Formula For Acquiring and Developing Relationships with High Value Customers Three actions your company can take today to improve relationship selling performance and
More informationRamón Tellaeche Santander Cards
Ramón Tellaeche Santander Cards Disclaimer Banco Santander, S.A. ("Santander") cautions that this presentation contains forward-looking statements. These forward-looking statements are found in various
More informationAnnual General Meeting
Annual General Meeting Bank BPH. Po Prostu Fair 2013 Performance 28 May 2014 28 May 2014 Bank BPH 2013 Performance 1 Overview of 2013 Profitability 2013 net income of PLN 192 MM and pre-tax income of PLN
More informationBT Financial Group. Strongly positioned for growth in Superannuation and Life Insurance. Brad Cooper Chief Executive. 11 July 2012
BT Financial Group Strongly positioned for growth in Superannuation and Life Insurance Brad Cooper Chief Executive 11 July 2012 BT strongly positioned BT attaining sound returns and delivering on strategic
More informationBBVA Colombia. Working for a better future for people
BBVA Colombia Working for a better future for people 2013 The IR Recognition granted by Bolsa de Valores de Colombia S.A. (the Colombian Stock Exchange) is not a certification of the registered securities
More informationMaking Small Business Finance Profitable
Making Small Business Finance Profitable Key Lessons Learned about Applying New Technologies to SME Finance Peer Stein, Banking Advisory Group December 5, 2002 Shifting the Productivity Frontier Productivity
More informationYellow Brick Road Holdings FY 2015 Summary & 2016 Outlook
Yellow Brick Road Holdings FY 2015 Summary & 2016 Outlook November 11, 2015 Executive Summary: Delivery in FY15, Enhancement in FY16, Position For Growth Delivered on our commitment to get to operating
More informationCIBC Retail Markets Investor Forum
CIBC Retail Markets Investor Forum September 30, 2010 A Note about Forward-Looking Statements From time to time, we make written or oral forward-looking statements within the meaning of certain securities
More informationCASE STUDY CARDS: DRIVING PROFITABLE GROWTH
CASE STUDY CARDS: DRIVING PROFITABLE GROWTH Executive Summary Business Situation Mid-size Retail Bank in the Middle East Retail Portfolio consisting of Credit Cards and Personal Loans Relatively small
More informationDubai Islamic Bank. Investor Presentation September 30 th 2011. www.dib.ae
Dubai Islamic Bank Investor Presentation September 30 th 2011 www.dib.ae Disclaimer The information provided in this presentation should not be used as a substitute for any form of advice. Decisions based
More informationInvestor Presentation First Quarter (Q1) 2011. www.dib.ae
Dubai Islamic Bank Investor Presentation First Quarter (Q1) 2011 www.dib.ae Disclaimer The information provided in this presentation should not be used as a substitute for any form of advice. Decisions
More informationYE08 Consolidated Financial Results. February 13, 2009
YE08 Consolidated Financial Results February 13, 2009 1 We support our strategy with strong risk management Proven risk management track record and the highest credit ratings given to a bank in Turkey
More informationCOMPARISON OF FIXED & VARIABLE RATES (25 YEARS) CHARTERED BANK ADMINISTERED INTEREST RATES - PRIME BUSINESS*
COMPARISON OF FIXED & VARIABLE RATES (25 YEARS) 2 Fixed Rates Variable Rates FIXED RATES OF THE PAST 25 YEARS AVERAGE RESIDENTIAL MORTGAGE LENDING RATE - 5 YEAR* (Per cent) Year Jan Feb Mar Apr May Jun
More informationCOMPARISON OF FIXED & VARIABLE RATES (25 YEARS) CHARTERED BANK ADMINISTERED INTEREST RATES - PRIME BUSINESS*
COMPARISON OF FIXED & VARIABLE RATES (25 YEARS) 2 Fixed Rates Variable Rates FIXED RATES OF THE PAST 25 YEARS AVERAGE RESIDENTIAL MORTGAGE LENDING RATE - 5 YEAR* (Per cent) Year Jan Feb Mar Apr May Jun
More informationInvestor Discussion Pack Business Banking July 2005
Investor Discussion Pack Business Banking July 25 Graham Hodges Group Managing Director, Corporate Corporate Division Business Unit overview CORPORATE BANKING BUSINESS BANKING SMALL BUSINESS BANKING Business
More informationOpportunities in an improving macro environment
Opportunities in an improving macro environment Jaime Sáenz de Tejada, Head of Spain and Portugal SG Premium Review Conference December 4th, 2013 1 Disclaimer This document is only provided for information
More informationCapitalize on Business Card Opportunities. Barb Hunter, Senior Vice President Credit Card Services
Capitalize on Business Card Opportunities Barb Hunter, Senior Vice President Credit Card Services Agenda Business card landscape Business card product performance Business card strategies and features
More informationLife & Protection. Scott Ham CEO. John Hunter COO. Analyst & Investor Conference
Life & Protection Scott Ham CEO John Hunter COO Analyst & Investor Conference New York City, December 2010 Key messages Grow profitable new sales Leverage expertise to increase recruiting and expand existing
More informationBRE Bank Group Total Assets. GDP, consumption and investment dynamics
100 90 80 BRE Bank Group Total Assets PLN B 82.6 81.0 90.0 98.9 70 60 55.9 50 40 30 20 10 0 0.0 0.0 0.3 0.5 0.5 0.7 0.9 1.4 2.6 4.1 6.2 14.4 16.2 11.0 30.5 30.5 32.7 27.4 24.8 42.3 1987 1988 1989 1990
More informationSEB s Swedish Residential Mortgage Lending and Covered Bonds. Stockholm September, 2013
SEB s Swedish Residential Mortgage Lending and Covered Bonds Stockholm September, 2013 Contents SEB s Residential Mortgage Lending p.3 Asset Quality p.19 Cover Pool and Covered Bond Funding p.24 2 SEB
More informationServing the Mass Affluent Customer Collaborating with Your Retail Banking Partners to Increase Penetration and Cross-Sell Moderator: Bill
Serving the Mass Affluent Customer Collaborating with Your Retail Banking Partners to Increase Penetration and Cross-Sell Moderator: Bill Hippensteel, BAI Panelists: Bruce Hagemann Patrick Scotto di Luzio
More informationStrategic and Operational Overview May 11, 2016
Strategic and Operational Overview May 11, 2016 Safe Harbor Statement This presentation contains several forward-looking statements. Forward-looking statements are those that use words such as believe,
More informationUBS FINANCIALS CONFERENCE 2014
UBS FINANCIALS CONFERENCE 2014 AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED 25 June 2014 Mark Whelan MD Corporate & Commercial Bank, Australia ANZ Corporate & Commercial Overview Corporate & Commercial
More informationGjensidige Bank ASA Investor Presentation 2013. 19. March 2013
Gjensidige Bank ASA Investor Presentation 2013 19. March 2013 Agenda Gjensidige Bank in Brief (Hans Harèn - GB CEO) p. 3-6 Gjensidige Group capital position (Linn Soltvedt - Investor Relations Officer)
More informationInquiry into matters relating to Credit Card interest rates
Committee Secretary 15 August 2015 Senate Standing Committees on Economics PO Box 6100 Parliament House Canberra ACT 2600 Inquiry into matters relating to Credit Card interest rates The Westpac Group thanks
More informationRetail Banking. Jill Wyman & Jill Stanton. EVPs & Co-Chief Retail Banking Officers. Investor Day August 15, 2012
Retail Banking Jill Wyman & Jill Stanton EVPs & Co-Chief Retail Banking Officers Investor Day August 15, 2012 Retail Banking Retail Summary: 122 sales centers (1) 153 ATMs $3.6 billion in deposits $1.1
More information2014 CONFERENCE FOR ANALYSTS, INVESTORS AND BANKERS
2014 CONFERENCE FOR ANALYSTS, INVESTORS AND BANKERS Lincoln Financial Group Distribution Will Fuller President Lincoln Financial Group Distribution November 20, 2014 2014 Lincoln National Corporation CONSISTENT
More informationJupiter Fund Management plc. Preliminary Results: 7 March 2012
Jupiter Fund Management plc Preliminary Results: 7 March 2012 Forward-looking statements This presentation may contain certain forward-looking statements with respect to certain plans of Jupiter Fund Management
More informationHighlights on BancoPosta
Highlights on BancoPosta 2 Strong market position >370 bln Total Customer Assets (>10% market share) ~14.000 Post Offices (~ 30% market share, >2x vs banking leader) >23 mln. Customers (>2x vs banking
More informationIdentifying And Enabling Opportunities For Sustainable Growth. Barbara Mason Executive Vice-President, Marketing, Sales & Service
Identifying And Enabling Opportunities For Sustainable Growth Barbara Mason Executive Vice-President, Marketing, Sales & Service Agenda Marketing supporting the growth objective The emerging affluent segment
More informationWestpac New Zealand. Market Update. Westpac Banking Corporation ABN 33 007 457 141
Westpac Banking Corporation ABN 33 007 457 141 Westpac New Zealand Market Update All metrics in this presentation relate to the Westpac New Zealand division of Westpac Banking Corporation unless otherwise
More informationAnnual Analysis Card Payments
Annual Analysis Card Payments Cards and Transactions February 2014 With an expected GDP growth of 0.5% and an almost 1% decline in consumption, analysts define 2013 as a year of feeble economic recovery
More informationMortgage Distribution Channels: Estimates of lending
Mortgage Distribution Channels: Estimates of lending Dean Garratt, Economist, Council of Mortgage Lenders Deregulation and technological advancement have contributed to a multi-channel approach. The competitiveness
More informationExperian Public Sector
Experian Public Sector Making effective use of data to aid collection 30 th June 2009 Experian Limited 2009. All rights reserved. Experian and the marks used herein are service marks or registered trademarks
More informationGROWTH BY COMBINING BEST PRACTICES
GROWTH BY COMBINING BEST PRACTICES L. Lovaglio General Manager at Bank Pekao AGENDA Poland macroeconomic and banking sector scenario The creation of New Pekao New Pekao strategic initiatives Strategy for
More informationThird Quarter 2014 Financial Results
Third Quarter 2014 Financial Results Core pre-provision income up by 8.0% in the third quarter 2014. Operating expenses further down by 3.7% q-o-q and 11.4% y-o-y on a comparable basis. Accelerated provisioning
More informationThe Westpac Group third quarter 2011 sound core earnings growth
Media Release 16 August 2011 The Westpac Group third quarter 2011 sound core earnings growth Third quarter 2011 highlights (compared to results for the average of 1Q and 2Q 2011) 1 Cash earnings of approximately
More informationBanco Santander Chile: Solid results in 2Q14. Sound outlook for 2015
0 Banco Santander : Solid results in 2Q14. Sound outlook for 2015 August 2014 Important information 1 Banco Santander caution that this presentation contains forward looking statements within the meaning
More informationIntroduction to mbank Group The most successful organic growth story in Poland
Introduction to mbank Group The most successful organic growth story in Poland August 2015 mbank Group in a snapshot General description Key financial data (PLN M) Set up in 1986, mbank (originally BRE
More informationSTRATEGY UPDATE 2 MARCH 2016
STRATEGY UPDATE 2 MARCH 2016 Portfolio Focus on Attractive Growth and Margin Opportunities André Lacroix, CEO Intertek Group plc, is today announcing a strategic update outlining the Group s plan to deliver
More informationDriving Profits from Loyalty
Driving Profits from Loyalty Overview 1 P a g e 5 Steps to Driving Profit from Loyalty 1. Customer Portfolio Analysis This is the first step on the road to customer profitability where we can begin to
More informationWealth Management Strategic Opportunities for Growth
Wealth Management Strategic Opportunities for Growth Chris Hodgson Executive Vice-President, Wealth Management Agenda Wealth Management strong business model Our challenge and opportunity Key strategies
More informationCanadian Life Insurance Industry
A.M. Best Company s 9 th Annual Insurance Market Briefing Canada Canadian Life Insurance Industry Edward Kohlberg, CPA, FLMI Senior Financial Analyst Richard McMillan Senior Financial Analyst September
More informationSterne Agee Financial Institutions Investor Conference. David Carroll Senior Executive Vice President Head of Wealth, Brokerage and Retirement
Sterne Agee Financial Institutions Investor Conference David Carroll Senior Executive Vice President Head of Wealth, Brokerage and Retirement February 14, 2012 Wells Fargo vision We want to satisfy all
More informationAcquire with retention in mind.
White Paper A Driver of Long-Term Profitability for Personal Auto Carriers Acquire with retention in mind. Use data and analytics to help identify and attract prospects with the highest potential for long-term
More informationGDP growth slowdown, labour market revival
Three quarters of 2007: Growth momentum sustained in all business lines BZWBK Group performance for 3Q 2007 November 2007 GDP growth slowdown, labour market revival Quarterly economic indicators, %YoY
More informationCREDIT UNION TRENDS REPORT
CREDIT UNION TRENDS REPORT CUNA Mutual Group Economics July 2 (May 2 data) Highlights First quarter data revisions were modest. The number of credit unions was revised down by and assets and loans were
More informationE.SUN FHC Financial Review of 3Q 2015
E.SUN FHC Financial Review of 3Q 2015 Nov. 2015 Disclaimer This Presentation is provided by E.SUN Financial Holding Co., Ltd. ( E.SUN FHC ). E.SUN makes no guarantee or warranties as to the accuracy or
More informationSandler O Neill Global Exchange & Brokerage Conference. June 6, 2013
Sandler O Neill Global Exchange & Brokerage Conference June 6, 2013 Disclaimer The following information contains certain forward-looking statements that reflect the Company's current views with respect
More informationBanca Intesa s Strategies in Retail Banking. Massimo Arrighetti Head of Retail Division
Banca Intesa s Strategies in Retail Banking Massimo Arrighetti Head of Retail Division Sanford C. Bernstein Pan European Strategic Decisions Conference 2004 London - September 28 th, 2004 Agenda 1 Introduction
More informationGLOBAL WEALTH & INSURANCE. September 25, 2013
GLOBAL WEALTH & INSURANCE September 25, 2013 Global Wealth & Insurance Investor Day September 2013 Global Wealth Barb Mason Executive Vice President Global Wealth Management Agenda The business today Canada
More informationGlobal Wealth Monitor Affluent Market Intelligence
Global Wealth Monitor Affluent Market Intelligence GWM-U.S. Summary of Offerings 2015 David M. Thompson Managing Director Phoenix Affluent Market 860-404-5414 David.Thompson@phoenixmi.com Our Suite of
More informationHighlights of 1H FY2015 Results. November 18, 2015
Highlights of 1H FY2015 Results November 18, 2015 Table of Contents 1. Trend of business results 3. Domestic life insurance Summary of 1H FY2015 results 3 Overview of 1H FY2015 results Himawari Life 27
More informationGLOBAL WEALTH & INSURANCE. September 25, 2013
GLOBAL WEALTH & INSURANCE September 25, 2013 Global Wealth & Insurance Investor Day September 2013 Global Insurance Chris Hodgson Group Head Global Wealth & Insurance Agenda The business today Our positioning
More informationMagda Salarich Head of Santander Consumer Finance
Magda Salarich Head of Santander Consumer Finance Santander Consumer Finance S.A. ( Santander Consumer Finance ) and Banco Santander, S.A. ("Santander") both caution that this presentation contains forward-looking
More informationVostok Nafta Investment Ltd Presentation September, 2013
Vostok Nafta Investment Ltd Presentation September, 2013 Business Concept Founded by Adolf Lundin in 1996 40 years background in Oil & Gas and Mining 30% held by Swedish and International institutional
More informationUFJ Holdings, Inc. The 5 th Japanese Financial Service Conference. October 8, 2003
UFJ Holdings, Inc. The 5 th Japanese Financial Service Conference October 8, 2003 - Table of Contents - Management Reform Initiatives ---------------- 2 - Progress on Group Integration ----------------
More informationPreliminary Results. 3 March 2015
Preliminary Results 3 March 2015 Matthew Price Chief Financial Officer Trading strongly & investing in technology Revenue EBITDA (adjusted) EPS (adjusted) 248M 95M 12.3p 10% 13% 14% Capital Investment
More information2013FIRSTHALFRESULTS. JERÓNIMO MARTINS Strategic Overview
2013FIRSTHALFRESULTS JERÓNIMO MARTINS Strategic Overview Disclaimer Statements in this presentation that are forward-looking statements are based on current expectations of future events and are subject
More informationChile. First Half 2015. July 30, 2015
1 Chile First Half 2015 July 30, 2015 Disclaimer 2 Banco Santander Chile caution that this presentation contains forward looking statements within the meaning of the US Private Securities Litigation Reform
More informationBusiness Plan. Your Business Name
Business Plan Your Business Name Owners Address City, ST ZIP Code Telephone Fax E-Mail Date: Page 2 II. Executive Summary Write this section last. We suggest that you make it one page long; two pages max.
More informationNASDAQ OMX MAXIMUM ACCESS AND VISIBILITY TOWARDS GLOBAL AND LOCAL INVESTORS
MAXIMUM ACCESS AND VISIBILITY TOWARDS GLOBAL AND LOCAL INVESTORS JOIN THE WORLD S MOST RECOGNIZED BRANDS Listed Companies 2 OUR GLOBAL LISTINGS BUSINESS 8 LISTING OPPORTUNITIES U.S. NORDICS BALTICS LISTINGS
More informationBanking Fees in Australia
Banking Fees in Australia Kelsey Wilkins* The Reserve Bank has conducted a survey on bank fees each year since 1997. The results of the most recent survey suggest that banks fee income from both households
More informationAcquisition of the retail and credit card business of Citibank in Spain. June 2014
Acquisition of the retail and credit card business of Citibank in Spain June 2014 Disclaimer This presentation has been prepared by Banco Popular Español solely for purposes of information. It may contain
More information1 Copyright Phoenix Marketing International 2012. All rights reserved.
1 Copyright Phoenix Marketing International 2012. All rights reserved. D A V I D M. T H O M P S O N Managing Director Phoenix Affluent Market +44 (0) 20 3427 6157 / London +011 860 404 5414 / New York
More informationAnnual Shareholder Meeting. June 2012
Annual Shareholder Meeting June 2012 Agenda Call to Order; Opening of Polls Introduction of Directors Introduction of Management Introduction of Independent Registered Public Accounting Firm Designation
More informationIN THIS REVIEW, WE HAVE ARRANGED OUR BUSINESSES AROUND OUR TWO DISTINCT CUSTOMER
Review of TD s businesses REVIEW OF TD S BUSINESSES PROFILES OF TD S BUSINESSES TODAY IN THIS REVIEW, WE HAVE ARRANGED OUR BUSINESSES AROUND OUR TWO DISTINCT CUSTOMER BASES RETAIL AND WHOLESALE TO SHOW
More informationProduct. Virtual Branch Expand Your Delivery Channels With Seamless Online Banking Tools
Product Virtual Branch Expand Your Delivery Channels With Seamless Online Banking Tools Product Integration. Seamless display. Technology for today and tomorrow. Virtual Branch from Fiserv brings you
More informationCredit Suisse 2015 Financials Conference
Credit Suisse 2015 Financials Conference Gregory J. Fleming President of Morgan Stanley Wealth Management and Morgan Stanley Investment Management February 10, 2015 Notice The information provided herein
More informationGerman corporate conference Deutsche Bank
Commerzbank - the leading german commercial bank German corporate conference Deutsche Bank May 31, 2006 Dr. Eric Strutz Chief Financial Officer Excellent start in 2006 Q1 `06 vs Q1 `05 FY 2005 Operating
More informationU.S. Bancorp Investor Day. Payment Services. Pamela Joseph Vice Chairman. September 12, 2013
U.S. Bancorp Investor Day Payment Services Pamela Joseph Vice Chairman September 12, 2013 # Forward-looking Statements and Additional Information The following information appears in accordance with the
More informationRETAIL DIVISION. Roberto Nicastro
RETAIL DIVISION Roberto Nicastro AGENDA Retail Division overview Country-specific plans Italy Germany Austria Conclusions 2 RETAIL DIVISION ID CARD Households: with less than 1 mln assets UniCredit R etail
More informationTo be a global leader in helping customers secure their financial futures
Fulfilling our ambition Alex Wynaendts CEO Analyst and Investor Day, New York City, December 2, 2009 AEGON s ambition To be a global leader in helping customers secure their financial futures o Rebalance
More information2nd Conference on the Real Estate Market: The real estate market in the current financial crisis
2nd Conference on the Real Estate Market: The real estate market in the current financial crisis The evolution and outlook of the Greek real estate market and initiatives of the Bank of Greece T. Mitrakos,
More informationCaribbean Electronic Payments
Caribbean Electronic Payments Company Profile Caribbean Electronic Payments Ltd. 1-13 Contents Introduction... 3 Mission & Core Values... 5 CEPAYMENTS Mission... 5 Our Core Values... 5 Innovation... 5
More informationE.SUN FHC Financial Review of 1Q 2015
E.SUN FHC Financial Review of 1Q 2015 May 2015 Disclaimer This Presentation is provided by E.SUN Financial Holding Co., Ltd. ( E.SUN FHC ). E.SUN makes no guarantee or warranties as to the accuracy or
More informationPersonal and Commercial Client Group Canada
Management s Discussion and Analysis Personal and Commercial Client Group Canada Robert W. Pearce President and Chief Executive Officer, Personal and Commercial Client Group Canada Group Description Personal
More informationStrategies to Serve Your Small Business Relationships Heather Fraser Vice President, Commercial Sales
Strategies to Serve Your Small Business Relationships Heather Fraser Vice President, Commercial Sales Today we will cover: Small Business Market Overview Small Business Trends and Concerns Attracting,
More informationThe ADT Corporation. William Blair & Company 2013 Growth Stock Conference JUNE 11, 2013. 2013 ADT LLC dba ADT Security Services. All rights reserved.
The ADT Corporation JUNE 11, 2013 2013 ADT LLC dba ADT Security Services. All rights reserved. William Blair & Company 2013 Growth Stock Conference ADT Overview Leader in life security/life safety/home
More informationHelvetia Group Business Profile
Helvetia Group Business Profile Who we are Strong value proposition for customers Switzerland 4 th largest insurance group Niche position in selected European markets Focussed on retail and SMU customers
More informationO2 Czech Republic January to September 2014 Financial Results
Interim report O2 Czech Republic January to September 2014 Financial Results November 12, 2014 O2 Czech Republic a. s. announces its unaudited financial results for January to September 2014. These results
More informationEFL Case Study: Controlling Risk in a Microfinance Graduation
JFS customer population Probablitiy of default EFL Case Study: Controlling Risk in a Microfinance Graduation Janalakshmi Financial Services India Executive Overview Janalakshmi Financial Services (JFS),
More informationCorpBanca Announces First Quarter 2011 Financial Results and Conference Call on Tuesday, May 17, 2011
CorpBanca Announces First Quarter 2011 Financial Results and Conference Call on Tuesday, May 17, 2011 Santiago, Chile, CORPBANCA (NYSE: BCA), a Chilean financial institution offering a wide variety of
More informationMarketing Services. Credit Card Consulting
Marketing Services Credit Card Consulting AmeriCU Credit Union Executes Targeted Marketing Using In- Depth Analysis Overview Client Profile AmeriCU Credit Union was first chartered in 1951, as the Griffiss
More information2013 Full Year Results. 28 March 2014
2013 Full Year Results 28 March 2014 Agenda 1. Full year highlights 2. Business performance 3. Corporate strategy 4. Summary Full year highlights 3 Full year highlights Exceptional full year results -
More informationBalance Sheet Strategy
Balance Sheet Strategy Olli-Pekka Kallasvuo Executive Vice President, CFO Nokia Agenda Nokia Balance sheet strategy 3G revenue recognition 3G Customer Financing Financial Guidance for 2002 Summary 1 Main
More informationEarnings Conference Call January 28, 2015
Fourth Quarter 2014 Earnings Conference Call January 28, 2015 Steven G. Bradshaw Chief Executive Officer Daniel H. Ellinor Chief Operating Officer Steven Nell Chief Financial Officer Stacy Kymes Chief
More informationONLINE TRADING IN TAIWAN
ONLINE TRADING IN TAIWAN Online trading is still not the mainstream. In December 2001, only 8.7% of the total market turnover value was conducted online and 16% of total investor accounts were online accounts.
More informationThe Customer Experience
The Customer Experience Anne Lockie EVP, Sales & Marketing Segment Overview Key Markets Growth Markets Prime Markets Commercial Markets Youth Nexus Small Business Borrowers & Builders Business Agriculture
More informationBank of Ireland Asset Covered Securities
Bank of Ireland Asset Covered Securities Investor Presentation 24 September 2013 Forward-looking Statement The Governor and Company of the Bank of Ireland is regulated by the Central Bank of Ireland. In
More informationPayments Making Sense of BIG Data. How to make sense of enormous quantities of data double quick
Payments Making Sense of BIG Data How to make sense of enormous quantities of data double quick Introduction Andy Cook Research & Analysis Director Cards & Payments Intelligence Center Who is Timetric?
More informationMobile Money Transfer & Remittances
Mobile Money Transfer & Remittances 2 June 2010, Moscow - Mirpal Conference Mehdi Elhaoussine, Consultant, World Bank Expert Mobile Financial Services 1 Market figures Introduction 200 million people around
More information