《银行商业计划书》课件.ppt

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 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 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. 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 Third Party Alliances To get biz referrals Relationship banking Advisory role Personalized service MARKET ANALYSIS Opportunities Over 92,000 SMEs Government encouraging entrepreneurship = no. 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 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 requirement for exempt companies COMPETITORS’ ANALYSIS OCBC – Community Banking UOB – Retail Business DBS – Very Small Business Unit Offers a wide variety of products and services 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 Cre