Banks education and response to the use of web 2.0 technologies Pro-Active Channeling in Finance 2008 BancoSabadell Pol Navarro, Head of Innovation 21th February 2008

¿Who is Banco Sabadell?

Banco Sabadell. Highlights Fourth largest banking group in Spain (1) Focused on commercial banking Top player in SMEs and affluent (2) clients segment (1) In terms of total assets excluding savings banks. (2) Individuals with annual net income >€60,000.

Banco Sabadell. Milestones 1965 1988 2001 2004 2007 1881 1978 1996 2003 2006 Sabadell Atlántico BancoHerrero Solbank ActivoBank BancoUrquijo Foundation: 127 businessmen and traders to finance the local industry Local Expansion into nearby towns International Expansion: first foreign branch in London Equity management and private banking

Multibrand, Multichannel …

Web 2.0 ???

Web 2.0

Web 2.0 The web it’s not going to change… because it already did Web 2.0 is the Web of today and businesses are already in this phenomenon

Why? because exists has a dimension exposes us

because exists

has a dimension

exposes us

Why? Combat exposure  Radical transparency Why?

Impacts in society Relationships “ Digital natives”

Impacts in society Relationships But not just for “Digital natives”

Impacts in business Communication Power of your costumers

Power of your customers

Power of your customers

Social Technology Listen to your customers (feedback, conversation in blogs) New channels for marketing (facebook, MSN) Use communication tools internally Online banking experience enrichment Time-to-market for new applications and services Business Personalized offering for different segments of customers (young people, entrepreneurs, etc.) P2P lending our new business models Opportunities for financial institutions

Listen to your customers (feedback, conversation in blogs)

New channels for marketing (facebook, MSN)

Use communication tools internally

Online banking experience enrichment

Time-to-market for new applications and services

Personalized offering for different segments of customers (young people, entrepreneurs, etc.)

P2P lending our new business models

Our experience

Our experience Blogs New formats of communication

Our experience New formats of communication RSS

Our experience New formats of communication Twitter

Our experience New formats of communication

Our experience New formats of communication Information request and mobile video download

Our experience First steps in social networks

Our experience First steps in social networks

Our experience First steps in social networks + Coming next

Our experience mashup widget New services

Our experience Product customization

Our experience Product customization

Our experience Product customization

Our experience Product customization

Our experience Product customization Coming next +

Working on Our experience Time to refresh your online banking?

Working on Our experience From “online banking” to “social banking” (tagging, collaboration, etc.)

Working on Our experience Expand your frontiers  Move where relations (or business) are occurring

Keep an eye

On-line services personalization Marketing 2.0 Mobile 2.0 Trends

On-line services personalization

Marketing 2.0

Mobile 2.0

On-line services personalization Personal banking homepage

Marketing 2.0

Marketing 2.0

Marketing 2.0

Marketing 2.0

Mobile 2.0 Google Android New mobile experiences iPhone

Web 2.0 Enhance Communication Social media marketing strategy Intranet 2.0 Where to start?

Enhance Communication

Social media marketing strategy

Intranet 2.0

Thanks for your attendance Pol Navarro Gonfaus Head of Innovation [email_address] Thanks!

www.bancosabadell.com SabadellAtlántico BancoHerrero Solbank Banco Urquijo ActivoBank