《银行商业计划书》课件
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Support – Centralised approval to ensure consistency and
quality
7
BUSINESS SET-UP
• 3 Retail Finance centres
– West, Central, East – 1st Retail Finance Centre: Jurong East branch – Pilot branch for neighbourhood banking – Tap on branch network
1
CRITICAL SUCCESS FACTORS
• Easy access to financing
– Few years of biz track record and no impressive financial statements
– Difficulty in raising security – Eg. DBS launched the IMPRESS program to help
of small businesses is likely to increase – Availability of government assisted schemes – Government is restructuring the Retail Sector =>
Retail 21 plan => 10K out of 17K retail establishment in HDB area
requirement for exempt companies
5
COMPETITORS’ ANALYSIS
• OCBC – Community Banking • UOB – Retail Business • DBS – Very Small Business Unit • Offers a wide variety of products and services
4
MARKET ANALYSIS
• THREATS
– Small companies are susceptible to changes in the market changes
– Increased competition among retailers – Changes in the regulations eg. Waiver of audit
6
RISKS ANALYSIS
• Survival rate is low
– Government financial assistance schemes
• Competency Risk
– Not trained to handle credit – PFC processing team specialises in personal loans – To engage the support of Credit Management & Biz
SMEs obtain financing without collateral
• Fast turnaround time
– Eg. Heller Financial promised a turnaround time of 3 days for Micro Loan and 1 day for Express HP.
8
SCOPE
• OCBC
– Sole-proprietorship and partnership – Turnover of less than $5m
• UOB
– Sole-proprietorship, partnership and private limited companies
– Loan size of less than $1m
2
CRITICAL SUCCESS FACTORS
• Proximity to Potential Customers
– Differences in demographics
• Product Bundling
– easier to attract small businesses – need to retain them through product bundling – increase fund based and non-fund based income
OVERVIEW
• This business plan aims to cover the following areas: – Perform market, competitors’ and risk analysis. – Identify critical success factors relating to small businesses financing. – Define the scope of Retail Finance – Provide an overview of the business set-up – Identify the key processes and linkages – Identify target segments and products of Retail Finance – Review of current loan packages – Assess business potential – Identify marketing strategies and action plans
• Third Party Alliances
– To get biz referrals
• Relationship banking
– Advisory role – Personalized service
3ቤተ መጻሕፍቲ ባይዱ
MARKET ANALYSIS
• Opportunities
– Over 92,000 SMEs – Government encouraging entrepreneurship => no.
quality
7
BUSINESS SET-UP
• 3 Retail Finance centres
– West, Central, East – 1st Retail Finance Centre: Jurong East branch – Pilot branch for neighbourhood banking – Tap on branch network
1
CRITICAL SUCCESS FACTORS
• Easy access to financing
– Few years of biz track record and no impressive financial statements
– Difficulty in raising security – Eg. DBS launched the IMPRESS program to help
of small businesses is likely to increase – Availability of government assisted schemes – Government is restructuring the Retail Sector =>
Retail 21 plan => 10K out of 17K retail establishment in HDB area
requirement for exempt companies
5
COMPETITORS’ ANALYSIS
• OCBC – Community Banking • UOB – Retail Business • DBS – Very Small Business Unit • Offers a wide variety of products and services
4
MARKET ANALYSIS
• THREATS
– Small companies are susceptible to changes in the market changes
– Increased competition among retailers – Changes in the regulations eg. Waiver of audit
6
RISKS ANALYSIS
• Survival rate is low
– Government financial assistance schemes
• Competency Risk
– Not trained to handle credit – PFC processing team specialises in personal loans – To engage the support of Credit Management & Biz
SMEs obtain financing without collateral
• Fast turnaround time
– Eg. Heller Financial promised a turnaround time of 3 days for Micro Loan and 1 day for Express HP.
8
SCOPE
• OCBC
– Sole-proprietorship and partnership – Turnover of less than $5m
• UOB
– Sole-proprietorship, partnership and private limited companies
– Loan size of less than $1m
2
CRITICAL SUCCESS FACTORS
• Proximity to Potential Customers
– Differences in demographics
• Product Bundling
– easier to attract small businesses – need to retain them through product bundling – increase fund based and non-fund based income
OVERVIEW
• This business plan aims to cover the following areas: – Perform market, competitors’ and risk analysis. – Identify critical success factors relating to small businesses financing. – Define the scope of Retail Finance – Provide an overview of the business set-up – Identify the key processes and linkages – Identify target segments and products of Retail Finance – Review of current loan packages – Assess business potential – Identify marketing strategies and action plans
• Third Party Alliances
– To get biz referrals
• Relationship banking
– Advisory role – Personalized service
3ቤተ መጻሕፍቲ ባይዱ
MARKET ANALYSIS
• Opportunities
– Over 92,000 SMEs – Government encouraging entrepreneurship => no.