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презентация хоум 20140402 Air Bank for Belarus

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Конференция Инновации. Банки
YOU CAN LOVE BANK TOO
AIR BANK’S MISSION TO CHANGE INCUMBENT BANKING
I banku mЕЇЕѕete mГ­t rГЎdi
… Air Bank is delivering a breakthrough to the market that
resonates strongly with the target segment
“The first bank I like”
▪ … because it makes banking elegantly simple
▪ … because it does not hide things
▪ … because I pay only when I am satisfied
2
SIMPLE
CHOICE
WITHOUT
MISTAKE
3
Comparison of word count of retail pricelists
11 972
11 068
7 778
7 479
2 591
1 045
250
4
5
YOU ALWAYS
UNDERSTAND
WHAT WE
SAY OR WRITE
6
7
8
GET WHAT YOU
WANT
ANYWHERE
YOU NEED IT
9
BRANCHES
INTERNET
BANKING
CUSTOMER CENTER
10
11
12
YOU
CHOOSE
YOUR
BANKNOTES
13
14
BRANCHES
OPEN
WHEN YOU
REALLY NEED IT
15
16
MONEY
UNDER
YOUR
TRUE CONTROL
17
18
19
20
21
YOU ONLY PAY
FOR SERVICES
WHICH YOU ARE
SATISFIED WITH
22
23
World-class mobile banking
Complete banking
Great user experience
Unique advanced functions
Available for iOS and Android
24
Check account
balances on
Smart overview –
all information
on one screen
Transfer money between accounts by a
simple drag & drop
Every payment
automatically stored
as a template for the
next one-click
payment
Whole-life payment history
available instantly
A code generated
by one-click
allows cash
withdrawal at
4,300 news-stands
(compared to
~3,000 ATMs of all
country’s ATMs)
Augmented reality shows all
branches, ATMs and cash-points
(Sazka) within reach
Instant approval or
decline of arriving
“smart” direct
debits
“Not happy with a
service? Eliminate
any fee instantly
and without
questions!”
Two-click invoice
payment: 1. scan
invoice’s QR code
and 2. click to
confirm the
payment’s details
AIR BANK
YOU CAN LOVE BANK TOO
I banku mЕЇЕѕete mГ­t rГЎdi
Only 1% share of country’s bank branches …
Usti nad
Labem
7
Karlovy
Vary
2
Hradec
Kralove
2
Olomouc
Jihlava
3
2
35
… but the most preferred bank products in the country …
Current Account Consideration (%)
Air Bank
21
Fio banka
15
mBank
9
7
KomerДЌnГ­ banka
3
Equa bank
ДЊSOB
4
Era
4
ING Bank 1
KomerДЌnГ­ banka
19
Legend
10
Fio banka
5
13
6
11
16
ДЊSOB
4
10
ZUNO
4
9
15
14
7
Era
11
9
Raiffeisenbank
5
18
15
14
14
12
6
4
6
UniCredit Bank
2
3
5
Citibank
1
3
5
24
17
6
5
30
18
8
6
Equa bank
Sberbank 1 3 3
0
8
GE Money Bank
7
1 4
10
16
7
6
14
8
9
8
ДЊeskГЎ spoЕ™itelna
16
mBank
11
1
14
17
13
6
31
Air Bank
10
8
ZUNO
44
34
19
9
GE Money Bank
UniCredit Bank
20
13
ДЊeskГЎ spoЕ™itelna
Raiffeisenbank
24
Personal Loan Consideration (%)
11
9
Sberbank 0 2 2
10
first choice
20
30
40
other considered
50
0
10
Source: STEM/MARK Monthly Tracking
20
30
40
36
… leading to 22% market share of all new accounts
opened…
Current accounts (unit solds)
Od 12/2013 pouze novГ© bД›ЕѕnГ© ГєДЌty,
do 11/2013 vДЌ. takГ© upgrade bД›ЕѕnГЅch
ГєДЌtЕЇ (z levnД›jЕЎГ­ho na draЕѕЕЎГ­ tarif)
Peer group (#
units sold)
Air Bank
share
100,000
25%
90,000
22%
80,000
70,000
17%
16%
15%
60,000
15%
16%
15%
50,000
14%
14%
40,000
7%
8%
9%
9% 9%
12%
12%
11%
8%
6%
30,000
20,000
20%
18%
13%
15%
13%
10%
8%
7%
5%
5%
10,000
Jan/14
Dec/13
Nov/13
Oct/13
Sep/13
Aug/13
Jul/13
Jun/13
May/13
Apr/13
Mar/13
Feb/13
Jan/13
Dec/12
Nov/12
Oct/12
Sep/12
Aug/12
Jul/12
Jun/12
May/12
Apr/12
Mar/12
Feb/12
0%
Jan/12
-
37
… and more than 5% market share of all new loans in
the first year after launch
TOTAL Unsecured personal loans (new volume)
TOTAL (Million CZK value
of sales)
Air Bank share
8,000
5.7%
5.3%
7,000
6%
5.5%
5.0%
4.8%
5%
4.8%
6,000
3.9%
4%
5,000
3.4%
3.2%
3.1%
3.5%
4,000
3%
3.0%
3,000
2%
2,000
1.6%
1.8%
1.5%
1,000
1%
0.1%
Jan/14
Dec/13
Nov/13
Oct/13
Sep/13
Aug/13
Jul/13
Jun/13
May/13
Apr/13
Mar/13
Feb/13
Jan/13
Dec/12
Nov/12
Oct/12
Sep/12
Aug/12
Jul/12
Jun/12
May/12
Apr/12
Mar/12
Feb/12
0%
Jan/12
-
38
Resulting in significantly better sales and financial
results than expected
Number of customers
Thousand
Net income
CZK million
Original
Actuals
Original
300
268
250
100
176
0
119
62
441
200
175
150
600
400
225
203
200
-90
-200
81
-400
50
-289
-388
-600
0
Y1
Y2
Actuals
Y3
Y4
Y5
-323
-38
-276
-509
Y0
Y1
Y2
Y3
Y4
Y5
39
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