delivery functional lecture. 2 executive banking school objectives retail strategy customer...
TRANSCRIPT
Delivery Functional Lecture
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Executive Banking School Objectives
Retail Strategy• Customer acquisition• Branding &
marketing• Product & pricing• Delivery optimization
Bank Management Strategy• Economic value & risk• Capital considerations• Analyst influences• 360° executive
management
Financial Strategy• Financial analysis• Key performance
drivers• Earnings power• Risk considerations
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MarketSim Objectives
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Functional Lecture Objectives
To focus on areas of responsibility To review decision responsibilities To review the tool kit of worksheets To discuss common issues To answer common questions
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The Role
Delivery Officer
Analyzes the prior year's distribution activity Makes branch and ATM opening and closing decisions Sets alternative delivery and level of service strategies
for the coming year Projects future distribution results for the retail
balanced scorecard Performs other assignments applicable to the
distribution function
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MarketSim Process
Analyze
Plan
ForecastExecute
ReviewRetail Bank
MarketSimProcess Flow
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MarketSim Process
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Analysis
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Analysis
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Branch Distribution Report
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Distribution Report
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Distribution Report by Channel
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Distribution Report by Sector
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Sector Profitability
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Planning and Forecasting
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Delivery Appeal Worksheet
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Branch Cost Per Transaction Worksheet
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Branch Cost Per Transaction Worksheet
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Other Costs Per Transaction Worksheet
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Other Costs Per Transaction Worksheet
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Execute
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Branch Decisions
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Call Center Decisions
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Mobile Banking Decisions
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Online Banking Decisions
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Stand Alone ATM Decisions
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Branch & ATM Decisions by Sector
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Call Center Decisions
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Mobile Banking Decisions
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Online Banking Decisions
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Standalone ATM Decisions
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Branch Type, Costs & Capacity
New Model Fixed Exp.Transaction
CapacityAnchor 900,000$ 350,000 Full Service 774,000$ 315,000 Traditional 672,000$ 280,000 Instore 600,000$ 250,000 Tellerless 504,000$ -
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ATMS
Can only work in multiples of 3
Can only have 60 in any given Neighborhood ATM Type
Fixed Expense per
MachineTransaction
CostSmart $ 65,000.00 0.10 Traditional $ 25,000.00 0.06 Cash Dispenser $ 12,000.00 0.02
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Best Practices
Fixed Expense versus Variable Expense Transactions and Capacity How much is enough and how much is
affordable?
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Today’s Assignment
Complete a new Bank Condition Consensus Worksheet Review Customer Projection Worksheet Results – try to
explain the outcome using the Competitive Report Using completed Delivery Appeal Worksheet to
determine where to place branches, ATMs and what level or service to offer
Complete Delivery Optimization Worksheets reflecting your assumptions about changes to your delivery channels
Complete the Customer Projection Worksheet Make Delivery Decisions
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Review Course Objectives
To focus on areas of responsibility To review decision responsibilities To review the tool kit of worksheets To discuss common issues To answer common questions
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