This document from BBVA Compass provides an overview of various financial services and programs available to auto dealers, including floor plan financing, real estate loans, acquisition financing, and equipment financing. It also discusses treasury management solutions, merchant card processing, commercial billing services, and tools for managing interest rate and foreign exchange risk. The document is aimed at helping auto dealers access capital and manage their business finances.
The document proposes a car dealership promotion program where dealerships donate a portion of each car sale to the Darrell Gwynn Foundation's wheelchair donation program. The promotion would utilize slogans like "You Buy a Ride, They Get a Ride" in advertising. It outlines how the promotion works, proposed advertising and public relations campaigns, and cites benefits like tax deductions, community engagement, and increased sales.
Customer Relationship Management In Real Estate Industry PowerPoint Presentat...SlideTeam
Customer Relationship Management CRM is designed to create a competitive advantage by being the best in identifying, communicating, implementing, and improving existing customer relationships, as well as creating and maintaining new clients. In Real Estate business, CRM helps to grab the new customers easily and also helps to manage the data related to old customers efficiently. The main objective of this presentation is to manage properties and track the data related to old and new customers. It helps realtors speed up routine processes and stay in touch with clients and prospective customers. This presentation consists of various slides which include CRM Real Estate overview, CRM Real Estate Structure, Real estate customer tracking, ROI Return on Investment from CRM Real Estate management, etc. Under this presentation, it also includes a flow chart of CRM, Software cycle, Data Tracker, Lead distribution criteria, Lead generation roadmap, etc. This presentation also shows the increase in sales of the company after implementing the CRM Customer Relationship Management. In the end, it covers the slide dashboard related to real estate activities in which past data related to customers can be identified. https://bit.ly/3knocKT
Kleaving Auto Cleaning and Detailing Business PlanBlake Kleaving
Kleaving Auto Cleaning and Detailing will operate out of a facility located at 3796 Ashland Rd in Tell City, IN. The business plan outlines their services, management team, and financial projections. Kleaving aims to become the premier auto detailing service in Perry County, IN by offering packages and individual services like washes, waxes, and interior/exterior cleaning. The management team consists of Blake Kleaving as owner/CEO and his brother Adam as facility manager. Financial projections estimate growing net income over three years.
Rolls-Royce is a luxury automaker known for high-quality, handcrafted vehicles. This document discusses Rolls-Royce's brand positioning and strategies to attract new customers. It analyzes the core, actual, and augmented products Rolls-Royce offers. The document also considers strategies like reviving nostalgic models, partnering with an aftermarket modifier, and running a celebrity-endorsed nostalgic ad campaign to appeal to younger buyers and new types of customers. Risks include conflicting with traditional buyers or losing brand identity through modifications.
This document outlines a business plan for a bike sharing system called ENVIRO that aims to provide first and last mile connectivity in Indian cities to reduce traffic and pollution. It discusses generating ideas like electric bike sharing to solve mobility issues. The business analysis covers the target market of urban residents aged 25-50, marketing strategy, station infrastructure options, and projected capital costs and revenue sources like memberships and advertisements to achieve 15% annual profit. The pricing structure includes hourly, daily, monthly and annual pass options with overtime fees for longer trips.
Ola and Uber partner with private taxi owners, requiring low capital investment since they don't buy vehicles themselves. They provide technology for booking, dispatch, and quality assurance. Charges are Rs. 13/km with a minimum Rs. 100 fare for the first 6 km. Customer segments include regular commuters, families, business travelers, employees of partner corporations, and anyone wanting affordable city transportation. Unique values are safety, on-time arrival from advance bookings, and cashless payment for riders as well as assured bookings and reduced maintenance concerns for drivers. The services use mobile and web apps for delivery and notifications.
The document outlines Tesla's plans to launch its Model 3 in Russia, called the Red Star Project. It will target customers looking for innovative, high-tech vehicles. The Red Star will feature Tesla's latest technologies like Autopilot and a long driving range. Tesla aims to differentiate it through features like a powerful engine and advanced interior. It will also offer services like free charging and repairs to customers. Tesla plans to launch the Red Star as the most affordable vehicle in its lineup to expand its customer base in Russia.
The document proposes a car dealership promotion program where dealerships donate a portion of each car sale to the Darrell Gwynn Foundation's wheelchair donation program. The promotion would utilize slogans like "You Buy a Ride, They Get a Ride" in advertising. It outlines how the promotion works, proposed advertising and public relations campaigns, and cites benefits like tax deductions, community engagement, and increased sales.
Customer Relationship Management In Real Estate Industry PowerPoint Presentat...SlideTeam
Customer Relationship Management CRM is designed to create a competitive advantage by being the best in identifying, communicating, implementing, and improving existing customer relationships, as well as creating and maintaining new clients. In Real Estate business, CRM helps to grab the new customers easily and also helps to manage the data related to old customers efficiently. The main objective of this presentation is to manage properties and track the data related to old and new customers. It helps realtors speed up routine processes and stay in touch with clients and prospective customers. This presentation consists of various slides which include CRM Real Estate overview, CRM Real Estate Structure, Real estate customer tracking, ROI Return on Investment from CRM Real Estate management, etc. Under this presentation, it also includes a flow chart of CRM, Software cycle, Data Tracker, Lead distribution criteria, Lead generation roadmap, etc. This presentation also shows the increase in sales of the company after implementing the CRM Customer Relationship Management. In the end, it covers the slide dashboard related to real estate activities in which past data related to customers can be identified. https://bit.ly/3knocKT
Kleaving Auto Cleaning and Detailing Business PlanBlake Kleaving
Kleaving Auto Cleaning and Detailing will operate out of a facility located at 3796 Ashland Rd in Tell City, IN. The business plan outlines their services, management team, and financial projections. Kleaving aims to become the premier auto detailing service in Perry County, IN by offering packages and individual services like washes, waxes, and interior/exterior cleaning. The management team consists of Blake Kleaving as owner/CEO and his brother Adam as facility manager. Financial projections estimate growing net income over three years.
Rolls-Royce is a luxury automaker known for high-quality, handcrafted vehicles. This document discusses Rolls-Royce's brand positioning and strategies to attract new customers. It analyzes the core, actual, and augmented products Rolls-Royce offers. The document also considers strategies like reviving nostalgic models, partnering with an aftermarket modifier, and running a celebrity-endorsed nostalgic ad campaign to appeal to younger buyers and new types of customers. Risks include conflicting with traditional buyers or losing brand identity through modifications.
This document outlines a business plan for a bike sharing system called ENVIRO that aims to provide first and last mile connectivity in Indian cities to reduce traffic and pollution. It discusses generating ideas like electric bike sharing to solve mobility issues. The business analysis covers the target market of urban residents aged 25-50, marketing strategy, station infrastructure options, and projected capital costs and revenue sources like memberships and advertisements to achieve 15% annual profit. The pricing structure includes hourly, daily, monthly and annual pass options with overtime fees for longer trips.
Ola and Uber partner with private taxi owners, requiring low capital investment since they don't buy vehicles themselves. They provide technology for booking, dispatch, and quality assurance. Charges are Rs. 13/km with a minimum Rs. 100 fare for the first 6 km. Customer segments include regular commuters, families, business travelers, employees of partner corporations, and anyone wanting affordable city transportation. Unique values are safety, on-time arrival from advance bookings, and cashless payment for riders as well as assured bookings and reduced maintenance concerns for drivers. The services use mobile and web apps for delivery and notifications.
The document outlines Tesla's plans to launch its Model 3 in Russia, called the Red Star Project. It will target customers looking for innovative, high-tech vehicles. The Red Star will feature Tesla's latest technologies like Autopilot and a long driving range. Tesla aims to differentiate it through features like a powerful engine and advanced interior. It will also offer services like free charging and repairs to customers. Tesla plans to launch the Red Star as the most affordable vehicle in its lineup to expand its customer base in Russia.
This presentation provides an overview of starting a used car business. It notes that used car dealers can make substantial profits through arranging financing for used car purchases, adding optional products, and profits from trade-ins. The presentation recommends several options for a used car business model, including a luxury used car dealership, online dealership, or physical store. It lists legal documents needed like licenses, permits, insurance. Finally, it observes that the used car market is larger than the new car market and growing companies have opportunities in this field.
Zipcar is a car sharing service that allows companies to access vehicles by the hour without ownership. Employees can reserve vehicles online and access them with their member cards. Zipcar aims to save businesses time, money, and hassle over alternatives like car rental, taxis, public transit, and private vehicle usage. Opening a Zipcar for Business account is straightforward and provides on-demand access to over 9,000 vehicles across the UK and North America.
The document outlines a marketing plan for The ParkingBot app, which provides affordable and convenient parking for cars. The app aims to save customers time and money by helping them find safe and affordable parking. Its goals are to increase the number of free downloads, convert users to the premium version, and generate continuous momentum for the app. It discusses competition, target customers, and strategies to promote the free and premium versions, including partnerships, upgrades, coupons, and sponsorships.
IoT in Automobile industry by Shri Kaushal Jani, Project Head, Amiraj College of Engg & Technology, Ahmedabad
presented at All India Seminar on #IoT - Trends that affect Lives at The Institution of Engineers (I) Gujarat State Center
Mercedes-Benz is a German automotive company founded in 1926 that aims to be the top brand for quality, image, and profitability in Indonesia. It targets wealthy individuals with luxury sedans, SUVs, and hatchbacks. Mercedes-Benz emphasizes reliable engineering and stylish design to position itself as a premium automaker with slogans like "The Best or Nothing". It enjoys strong brand recognition but also faces threats from regulations and competition from other luxury brands.
Autonomous Vehicles: Technologies, Economics, and OpportunitiesJeffrey Funk
National University of Singapore students presented on autonomous vehicles, including their evolution, enabling technologies like sensors and connectivity, infrastructure needs, and entrepreneurial opportunities. Key points discussed include autonomous vehicles producing large amounts of data, 5G enabling low latency required for applications, dedicated lanes and platooning potentially increasing road capacity, and autonomous vehicles reducing fuel costs, traffic, and accidents while creating new business models.
Rolls-Royce is developing a new positioning idea focused on "The Ecstasy of Driving". The group analyzed Rolls-Royce's brand through examining its ideology, consumers and perceptions, capabilities, product range, financial situation, competitors, and the automotive market environment. The analysis informed the development of a new positioning strategy using the Positioning Idea Model focused on targeting a younger audience who enjoy the pleasure of driving a Rolls-Royce while maintaining the brand's image of luxury. The strategy aims to position Rolls-Royce as the icon of super luxury that provides an excellent driving experience in both classy and sporty cars through storytelling and social engagement.
The automotive industry is changing rapidly, leading some in the field to a conclusion that soon cars may become the most technologically advanced products that consumers will ever buy.
The transition from a primarily mechanical-based to a software-based industry leads some to claim that car manufacturing is focusing less on transportation but rather on technology.
Since those changes will sooner or later affect most of the world’s population, it is fascinating to take a closer look as to what is currently happening in the automotive industry.
The report presents the car industry based on the Customer Value Canvas and will highlight innovation within the core product, added-value services, customer/shopping experience and brand communication, and as they are all important in customer’s overall impression.
Rolls-Royce Motor Cars is a luxury automaker headquartered in Goodwood, England. Their mission is to provide the ultimate luxury driving experience with comfort. They focus on making existing products better or designing new ones for customers. Rolls-Royce offers ultra-luxury cars like the Phantom, Ghost, and Wraith. They prioritize customer interests and invite buyers to exclusive events to build loyalty. Nearly a third of their business comes from repeat customers, and they never compromise on quality or customer preferences.
The document discusses the Indian auto industry, including its key players such as Tata Motors, Mahindra & Mahindra, and suppliers. It analyzes factors driving the industry's growth like rising incomes, government policies, and increased consumer demand. The industry is focused on automotive, farm equipment, IT, and infrastructure development sectors. The document also includes financial analysis and ratios for Tata Motors and Mahindra & Mahindra from 2003 to 2007.
This document provides objectives and recommendations for redesigning the store layout and customer experience for Cars24 used car outlets. It aims to create a trusting and transparent environment through design. Key recommendations include using an open banking setup with semi-partitions, projectors for video content, and digital signage. Communications should personalize the customer experience and clearly explain processes and policies. Entertainment options like games can engage customers during long transactions. An audit plan and standardized store identity manual are also suggested.
Autonomous vehicles use various sensors like ultrasonic sensors, RADAR, LIDAR, image sensors, GPS, and wheel speed sensors to navigate without human input. They rely on sensor integration and technologies like computer vision, V2X communication, and electronic control units to process sensor data. While self-driving cars offer benefits like safety and efficiency, there are also challenges to overcome like unpredictable humans, bad weather, and needing detailed digital maps. Fully autonomous vehicles may become common by 2040 if these issues can be addressed.
Digital Dispatcher is the newest generation of multi-function mobile field management solutions designed to increase efficiency, cut costs, improve customer service and grow profits. Visit at: http://www.digitaldispatcher.net/fuel-delivery-2/
The document describes research conducted to develop a new service concept for car dealerships. It was found that car dealers have very low customer trust and people want to personalize their vehicles. Various concepts were generated and evaluated, with the highest scoring concept being a relationship-building service that facilitates personalization and a sense of ownership through trial periods and celebrating milestones with the vehicle. A prototype of this concept was developed as a car dealership that acts as a matchmaker to help customers find the right vehicle for their personality.
This document is a project report submitted by Mr. Shashidhar Wanti, a student of BBA VI semester at Global College of Business Management & IT in Hubli, Karnataka, India. The project examines TVS Motor Company and strategies to increase sales of its Apache motorcycle model. Key findings include that respondents rated fuel efficiency and low maintenance as most important factors in choosing a motorcycle. The report concludes that TVS Motor must focus on higher-end bikes and improve spare parts availability to remain competitive against other motorcycle manufacturers like Bajaj and Hero Honda.
Zipcar was founded in 2000 by Robin Chase and Antje Danielson to provide an alternative to car ownership through car sharing. They launched their first program in Boston in late 2000. Their initial business plan charged members application and security fees, as well as hourly and per-mile rates. During their first month of real operations, Zipcar found members took fewer trips than expected but used vehicles for longer hours, which helped offset increased overhead costs and positioned the business for positive growth.
Unlike US and some other developed countries, India’s car aftermarket is totally fragmented. There are no national level players of any significance.
Car aftermarket typically has 2 parts: the workshop market where repair and servicing jobs are done; and a pure retail market, where the customer buys parts and accessories. In the US, these markets are called DFIM (do it for me) and DIY (do it yourself) market respectively.
The report focusses on a segment of the retail market: car care and accessories. By car care, we mean washing and cleaning. Accessories refers to items like seat covers, mats; electronic items like audio and security systems; car care items like cleaning and waxing products, and application tools; perfumes; and exterior products like alloy wheels, luggage carriers, trims etc.
Overall, car care and accessory market is close to a $2B market in India. A few organised players are beginning to emerge. In car detailing and cleaning, 3M India, CarzSpa and Speed Car Wash are some of the leading names. In accessories, there are online players like Autofresh.in and carindiaaccessories.in. Reliance Autozone is trying to build a brick and mortar chain.
IBR believes this is a very attractive market for organised players to focus on. Current focus of organised players has been on ‘workshop’ segment of car aftermarket. Some other have focussed on second hand car sale. We think those are the more difficult businesses as compared to car care, and just about all of them are struggling. Fixed investment is high, getting customers is not easy, and OEMs don’t want these guys to compete with their authorised dealer network.
We believe the market has missed a trick. The Car Care market has very attractive dynamics. Gross profit of 50% is available to retailers, which is an excellent margin to work with. Unorganised players are getting marginalised in many markets. The same will happen here.
Skyler Motors Pvt Ltd plans to introduce an affordable electric car called Skyler that costs Rs. 100,000. The car will be fuel efficient at 26 km/liter and meet emission standards. It will be smaller in size with cost-cutting features like manual windows and no airbags to achieve its low price point. Skyler aims to target middle-income families and provide an alternative to scooters. It will be manufactured in Pakistan and have 3 variants priced from Rs. 150,000 to Rs. 210,000. Skyler expects to become profitable in its first 3 years of operation through strong marketing and securing financing options for customers.
The document provides an overview of the used car market in India including key findings:
- The used car market in India is expected to grow three folds by 2021 with the total market size reaching approximately 11 million units.
- Factors driving growth include more first-time buyers preferring used cars for value and reliability, while average car ownership periods are decreasing.
- The organized used car segment, including sales through OEM dealerships and online platforms, is anticipated to see particularly strong growth and account for a larger share of the total market.
- Regions such as North and West India as well as major cities like Delhi, Mumbai, and Bengaluru are forecasted to experience higher used car sales volumes
This document provides information on the services offered by Satiate Consulting Pvt Ltd to improve dealership profitability. They offer various consulting, management analysis, auditing and training services focused on strategic financial management, business planning, performance reporting and progression appraisals. They have implemented their services for several auto dealerships to enhance processes, implement online reporting, conduct training, and improve profits by 25% on average. Their goal is to listen to client needs and provide tailored solutions to help clients achieve their business goals.
This presentation provides an overview of starting a used car business. It notes that used car dealers can make substantial profits through arranging financing for used car purchases, adding optional products, and profits from trade-ins. The presentation recommends several options for a used car business model, including a luxury used car dealership, online dealership, or physical store. It lists legal documents needed like licenses, permits, insurance. Finally, it observes that the used car market is larger than the new car market and growing companies have opportunities in this field.
Zipcar is a car sharing service that allows companies to access vehicles by the hour without ownership. Employees can reserve vehicles online and access them with their member cards. Zipcar aims to save businesses time, money, and hassle over alternatives like car rental, taxis, public transit, and private vehicle usage. Opening a Zipcar for Business account is straightforward and provides on-demand access to over 9,000 vehicles across the UK and North America.
The document outlines a marketing plan for The ParkingBot app, which provides affordable and convenient parking for cars. The app aims to save customers time and money by helping them find safe and affordable parking. Its goals are to increase the number of free downloads, convert users to the premium version, and generate continuous momentum for the app. It discusses competition, target customers, and strategies to promote the free and premium versions, including partnerships, upgrades, coupons, and sponsorships.
IoT in Automobile industry by Shri Kaushal Jani, Project Head, Amiraj College of Engg & Technology, Ahmedabad
presented at All India Seminar on #IoT - Trends that affect Lives at The Institution of Engineers (I) Gujarat State Center
Mercedes-Benz is a German automotive company founded in 1926 that aims to be the top brand for quality, image, and profitability in Indonesia. It targets wealthy individuals with luxury sedans, SUVs, and hatchbacks. Mercedes-Benz emphasizes reliable engineering and stylish design to position itself as a premium automaker with slogans like "The Best or Nothing". It enjoys strong brand recognition but also faces threats from regulations and competition from other luxury brands.
Autonomous Vehicles: Technologies, Economics, and OpportunitiesJeffrey Funk
National University of Singapore students presented on autonomous vehicles, including their evolution, enabling technologies like sensors and connectivity, infrastructure needs, and entrepreneurial opportunities. Key points discussed include autonomous vehicles producing large amounts of data, 5G enabling low latency required for applications, dedicated lanes and platooning potentially increasing road capacity, and autonomous vehicles reducing fuel costs, traffic, and accidents while creating new business models.
Rolls-Royce is developing a new positioning idea focused on "The Ecstasy of Driving". The group analyzed Rolls-Royce's brand through examining its ideology, consumers and perceptions, capabilities, product range, financial situation, competitors, and the automotive market environment. The analysis informed the development of a new positioning strategy using the Positioning Idea Model focused on targeting a younger audience who enjoy the pleasure of driving a Rolls-Royce while maintaining the brand's image of luxury. The strategy aims to position Rolls-Royce as the icon of super luxury that provides an excellent driving experience in both classy and sporty cars through storytelling and social engagement.
The automotive industry is changing rapidly, leading some in the field to a conclusion that soon cars may become the most technologically advanced products that consumers will ever buy.
The transition from a primarily mechanical-based to a software-based industry leads some to claim that car manufacturing is focusing less on transportation but rather on technology.
Since those changes will sooner or later affect most of the world’s population, it is fascinating to take a closer look as to what is currently happening in the automotive industry.
The report presents the car industry based on the Customer Value Canvas and will highlight innovation within the core product, added-value services, customer/shopping experience and brand communication, and as they are all important in customer’s overall impression.
Rolls-Royce Motor Cars is a luxury automaker headquartered in Goodwood, England. Their mission is to provide the ultimate luxury driving experience with comfort. They focus on making existing products better or designing new ones for customers. Rolls-Royce offers ultra-luxury cars like the Phantom, Ghost, and Wraith. They prioritize customer interests and invite buyers to exclusive events to build loyalty. Nearly a third of their business comes from repeat customers, and they never compromise on quality or customer preferences.
The document discusses the Indian auto industry, including its key players such as Tata Motors, Mahindra & Mahindra, and suppliers. It analyzes factors driving the industry's growth like rising incomes, government policies, and increased consumer demand. The industry is focused on automotive, farm equipment, IT, and infrastructure development sectors. The document also includes financial analysis and ratios for Tata Motors and Mahindra & Mahindra from 2003 to 2007.
This document provides objectives and recommendations for redesigning the store layout and customer experience for Cars24 used car outlets. It aims to create a trusting and transparent environment through design. Key recommendations include using an open banking setup with semi-partitions, projectors for video content, and digital signage. Communications should personalize the customer experience and clearly explain processes and policies. Entertainment options like games can engage customers during long transactions. An audit plan and standardized store identity manual are also suggested.
Autonomous vehicles use various sensors like ultrasonic sensors, RADAR, LIDAR, image sensors, GPS, and wheel speed sensors to navigate without human input. They rely on sensor integration and technologies like computer vision, V2X communication, and electronic control units to process sensor data. While self-driving cars offer benefits like safety and efficiency, there are also challenges to overcome like unpredictable humans, bad weather, and needing detailed digital maps. Fully autonomous vehicles may become common by 2040 if these issues can be addressed.
Digital Dispatcher is the newest generation of multi-function mobile field management solutions designed to increase efficiency, cut costs, improve customer service and grow profits. Visit at: http://www.digitaldispatcher.net/fuel-delivery-2/
The document describes research conducted to develop a new service concept for car dealerships. It was found that car dealers have very low customer trust and people want to personalize their vehicles. Various concepts were generated and evaluated, with the highest scoring concept being a relationship-building service that facilitates personalization and a sense of ownership through trial periods and celebrating milestones with the vehicle. A prototype of this concept was developed as a car dealership that acts as a matchmaker to help customers find the right vehicle for their personality.
This document is a project report submitted by Mr. Shashidhar Wanti, a student of BBA VI semester at Global College of Business Management & IT in Hubli, Karnataka, India. The project examines TVS Motor Company and strategies to increase sales of its Apache motorcycle model. Key findings include that respondents rated fuel efficiency and low maintenance as most important factors in choosing a motorcycle. The report concludes that TVS Motor must focus on higher-end bikes and improve spare parts availability to remain competitive against other motorcycle manufacturers like Bajaj and Hero Honda.
Zipcar was founded in 2000 by Robin Chase and Antje Danielson to provide an alternative to car ownership through car sharing. They launched their first program in Boston in late 2000. Their initial business plan charged members application and security fees, as well as hourly and per-mile rates. During their first month of real operations, Zipcar found members took fewer trips than expected but used vehicles for longer hours, which helped offset increased overhead costs and positioned the business for positive growth.
Unlike US and some other developed countries, India’s car aftermarket is totally fragmented. There are no national level players of any significance.
Car aftermarket typically has 2 parts: the workshop market where repair and servicing jobs are done; and a pure retail market, where the customer buys parts and accessories. In the US, these markets are called DFIM (do it for me) and DIY (do it yourself) market respectively.
The report focusses on a segment of the retail market: car care and accessories. By car care, we mean washing and cleaning. Accessories refers to items like seat covers, mats; electronic items like audio and security systems; car care items like cleaning and waxing products, and application tools; perfumes; and exterior products like alloy wheels, luggage carriers, trims etc.
Overall, car care and accessory market is close to a $2B market in India. A few organised players are beginning to emerge. In car detailing and cleaning, 3M India, CarzSpa and Speed Car Wash are some of the leading names. In accessories, there are online players like Autofresh.in and carindiaaccessories.in. Reliance Autozone is trying to build a brick and mortar chain.
IBR believes this is a very attractive market for organised players to focus on. Current focus of organised players has been on ‘workshop’ segment of car aftermarket. Some other have focussed on second hand car sale. We think those are the more difficult businesses as compared to car care, and just about all of them are struggling. Fixed investment is high, getting customers is not easy, and OEMs don’t want these guys to compete with their authorised dealer network.
We believe the market has missed a trick. The Car Care market has very attractive dynamics. Gross profit of 50% is available to retailers, which is an excellent margin to work with. Unorganised players are getting marginalised in many markets. The same will happen here.
Skyler Motors Pvt Ltd plans to introduce an affordable electric car called Skyler that costs Rs. 100,000. The car will be fuel efficient at 26 km/liter and meet emission standards. It will be smaller in size with cost-cutting features like manual windows and no airbags to achieve its low price point. Skyler aims to target middle-income families and provide an alternative to scooters. It will be manufactured in Pakistan and have 3 variants priced from Rs. 150,000 to Rs. 210,000. Skyler expects to become profitable in its first 3 years of operation through strong marketing and securing financing options for customers.
The document provides an overview of the used car market in India including key findings:
- The used car market in India is expected to grow three folds by 2021 with the total market size reaching approximately 11 million units.
- Factors driving growth include more first-time buyers preferring used cars for value and reliability, while average car ownership periods are decreasing.
- The organized used car segment, including sales through OEM dealerships and online platforms, is anticipated to see particularly strong growth and account for a larger share of the total market.
- Regions such as North and West India as well as major cities like Delhi, Mumbai, and Bengaluru are forecasted to experience higher used car sales volumes
This document provides information on the services offered by Satiate Consulting Pvt Ltd to improve dealership profitability. They offer various consulting, management analysis, auditing and training services focused on strategic financial management, business planning, performance reporting and progression appraisals. They have implemented their services for several auto dealerships to enhance processes, implement online reporting, conduct training, and improve profits by 25% on average. Their goal is to listen to client needs and provide tailored solutions to help clients achieve their business goals.
This document summarizes a 3-day CRM officer training held by Atul Auto Ltd. from May 3-5, 2012 in Rajkot, India. The training aimed to enhance the CRM officers' understanding of the company's service vision, CRM functions and responsibilities, product knowledge, and dealership after-sales processes. It included presentations on topics like the company profile, vehicle features, warranty policies, and customer relationship management. Participants also visited a dealership to learn about sales, finance, spare parts, and workshop processes. The training aimed to develop strong CRM functions at dealership levels to better serve end customers.
This document provides a case study of how Orby Technologies provides a community platform for car dealerships to manage leads and vehicle stock. The platform allows dealerships to capture online leads, nurture customers through the sales process, and publish accurate vehicle stock information online in real-time. It also enables collaboration between dealership staff and provides analytics to improve sales performance.
General Motors SFE Presentation about Social Media Marketing for DealersRalph Paglia
Ralph Paglia will showcase how GM dealers can implement social media marketing strategies to increase sales and profits. Dealers can measure performance and track results from customer engagement models that are more effective than traditional advertising. Tactical blueprints make it easy to use a combination of dealer-sponsored online communities that are automatically updated daily using GM assets. By engaging employees within an online community and syndicating content to popular social media sites, dealers can create a powerful social network to generate real sales.
Steel pipes are hollow tubes used for transporting liquids and gases. They have been used for thousands of years, originally made from reeds and lead. Modern steel pipe manufacturing involves converting steel ingots into blooms or slabs through rolling, then using these to form seamless or welded pipes on a continuous production line. Quality control measures like x-ray gauges ensure pipes meet thickness specifications.
Your automotive or motorcycle dealership thrives on customer interaction and satisfaction. Now you have the opportunity to go beyond traditional media and engage prospects directly by expanding with social media, email and online marketing. If you partner with Benchmark Email, you gain access to open rates and unsubscribes - see what subject lines catch a customer's attention and which kinds of newsletters leave them flat. Best of all, in this comprehensive email marketing guide, we take you through the current state of automotive dealership marketing, compare metrics across dealerships and industries and prescribe a great, interactive way to connect with your customers and optimize your business.
There are many opportunities for service-oriented manufacturers to devise new and growth-oriented strategies by looking further into innovative service designs, value based selling, competence development, better usage of data and knowledge, and smart services.
Agenda for Aftermarket Business Platform 2014, 21st-23rd October, The Grand Hotel Huis ter Duin, The Netherlands. To download agenda please visit: http://www.aftermarketeurope.com/
Из архива 2008-го > Business Scenarios for Automotive Dealers in Europe, презентация сделана сеньором Leonardo Buzzavo,
University of Venice - Quintegia / Italy, ROAD Conference - Moscow, 27.8.2008.
Похожие сценарии звучали на недавнем Форуме "Авторитейл в России-2012", организованном Adam Smith Conferences + Ассоциация РОАД. Согласитесь, это звучало на мероприятии:
- Conflicts between dealers and manufacturers
- Development of businesses outside new cars
- Human resource focus (selection / training / incentives)
- Focus on lean processes (reducing waste)
OTOSoft provides automotive software solutions including dealer management systems and ERP software. The document discusses OTOSoft's DMS, which enables bidirectional data transfer between automotive distributors and their dealer networks. Key features of the OTOSoft DMS include modules for vehicle management, orders, spare parts, warranty management, and customer relationship management. The system collects data from dealers and provides distributors with business analysis tools and a consolidated view of their dealer network.
The Evolving Dealership-Presented at IBPI on 6-16-2013Darrell Amy
Dealers face tremendous business challenges with new competition and downward price pressures. All of this is happening in an environment where it is hard to recruit reps and nearly impossible to train them on every product, service and solution a dealer sells. Join us to hear Darrell Amy (Dealer Marketing) explore new ways to sell and develop creative marketing strategies. The goals are to create new leads and cross sell your customers into everything your dealership offers!
IS20G New York Ken Potter Day 3 Creating Efficiency SDavis2015
The document discusses creating efficiency in car dealerships. It notes that in 2013, the average dealership had a 66% turnover rate among sales consultants, higher than the national average of 42% for other private sectors. It asks how current processes will work in a mobile world. Charts are presented showing measurements and actuals for a dealership before and after implementing efficiency solutions.
Agency Treasury Services (ATS) is a treasury management outsourcing provider that has been in business for 10 years. ATS offers a range of treasury services including cash management, liquidity management, interest rate management, and reporting. Clients can select individually which services they need. ATS works with clients to tailor solutions and manage risks. It seeks to provide transparent pricing and best execution of deals using multiple online dealing platforms and telephone. ATS monitors counterparty credit quality and adheres to client-mandated restrictions on counterparties and investments.
This document discusses how a financial advisor can help connect a business owner's personal and business finances. The advisor sees the whole financial picture and understands how decisions in one area can impact other areas. For example, they may recommend structuring a business loan differently to free up cash flow for business growth. Having a single advisor coordinate financing, retirement planning, risk management, and other services can help optimize both the business and personal finances over time. Events like selling the business or transferring it to family are also part of the overall financial strategy.
Cost Reduction Guide Issue 2 Banking And Financeymw15
This document provides tips to reduce non-core operating costs for businesses during economic downturns. It focuses on reducing costs associated with plastic card transactions, banking service charges, and finance processes. Specific recommendations include ensuring strong security for card transactions, negotiating transaction and service fees with banks, using credit cards for employee expenses, and automating financial processes like cash sweeps. Implementing these changes can help businesses find extra profit and weather economic downturns.
This document provides tips to reduce non-core operating costs for businesses during economic downturns. It focuses on reducing costs associated with plastic card transactions, banking service charges, and finance processes. Specific recommendations include ensuring strong security for card transactions, negotiating transaction and service fees with banks, using credit cards for employee expenses, and automating financial processes like cash sweeps. Implementing these changes can help businesses find extra profit and weather economic downturns.
Real estate risk advisory brochure 2013Nidhi Gupta
Riskpro India is a specialized Risk Management Consulting firm providing risk management advisory, risk trainings, internal audits, forensic accounting, investigations, fraud prevention, process reviews services etc.
Real estate services involves the purchase, ownership, management, rental and/or sale of real estate for profit. Improvement of realty property as part of a real estate investment strategy is generally considered to be a sub-specialty of real estate investing called real estate development. Real estate is an asset form with limited liquidity relative to other investments. Management and evaluation of risk is a major part of any successful real estate investment strategy where risk occurs in many different ways at every stage of the investment process from sale, purchase, tenancy to market and environmental conditions where one needs a prudent approach for mitigating potential risks in this business for investors, buyers, sellers and vendors.
Basis above backdrop we’re pleased to launch our comprehensive Real estate Risk advisory services in addition to our existing bouquet of Risk advisory, Consulting, Training & Human Capital Services. Our services are offered through our multi location delivery centres in major metros with total presence in 11 Indian cities network.
“We are quoted in recent Economic Times news as among fastest growing risk consulting firms in India.”
Riskpro is an organization providing risk management consulting services across India through offices in major cities. It is managed by experienced professionals with over 200 years of cumulative experience. Riskpro aims to provide integrated risk management solutions to mid-large sized companies and financial institutions. It offers quality advisory services at affordable rates compared to large consulting firms. Riskpro's main focus and differentiators include risk management expertise, hybrid delivery model, and commitment to client service.
Real estate risk advisory brochure 2013Nidhi Gupta
Riskpro is an organization of risk management consulting firms in India with over 200 years of cumulative experience. It provides integrated risk management services to mid-large corporations and financial institutions. Riskpro aims to be the preferred provider of governance, risk, and compliance solutions. It offers quality advisory services at affordable rates compared to large consulting firms. Riskpro has expertise in areas such as credit risk, market risk, operational risk, IT risk, and regulatory compliance.
Expense Reduction Analysts guide to cost reduction in the area of Banking and Finance. Covers credit card transactions and fees; service charges and finance processes.
The document discusses working capital management of receivables. It states that firms offer credit to customers to boost sales, tying up funds in receivables. The objectives of receivables management are to optimize returns on this investment. It involves determining credit policies like credit standards, terms and collection efforts to balance sales and costs of carrying debtors. Techniques discussed include credit analysis, controlling receivables, financing options like pledging and factoring receivables, and tools like reengineering receivables processes, technology, credit scoring and collection policies.
The Power of Complete AP Automation WebinarTradeshift
The Impact of Harmonious Supplier Relationships
Imagine supplier inquiry calls into your AP department being a thing of the past. Next envision being able to automate and maximise supplier discounts.
Attend this webinar to gain insights on how to:
- Achieve the highest levels of e-invoicing adoption and onboarding
- Communicate and transact with your supplier network in real-time
- Engage new technologies to achieve 100% e-invoicing with all your suppliers
- Complete AP automation cycle with savings opportunities through dynamic payment terms
- Become more profitable by paying suppliers early in exchange for a discount
- Automate accounts payable with case studies presented
Presenters:
Christian Hjorth, Chief Commercial Officer, Tradeshift
Joe Hyland, Global Head of Marketing, Taulia
http://tradeshift.com/enterprise/events/
The Lending Company, a direct seller/servicer with Fannie Mae, is your solution to funding your loans faster and making more money for your hard earned mortgage loan originations. To learn more, email: jperez@thelendingco.com or visit: www.jointhelendingcompany.com
Www rapidadvance com_advances_merchant_cash_advance_htmCan Mert
1. The document describes a merchant cash advance program that provides funding to small businesses that may not qualify for traditional bank loans due to lack of collateral. Merchant cash advances can be used flexibly for business expenses and are decided within 10 business days with no upfront fees.
2. Choosing RapidAdvance offers several benefits - working directly with the funding source, an experienced track record, no collateral requirements or credit card processor changes, higher funding amounts than competitors, and broad funding options from $3,500 to $150,000.
3. The application process is simple and free, with a same-day callback and pre-approval within 24 hours to find the best funding program
Reduce Unfair Swipe Fees; a Hotel white paper on interchange cost reduction j...jdhgroup
This document discusses how managing credit card processing costs for multiple hotel brands and property management systems is complex and difficult without expert resources. It introduces KV Management, which provides consulting services as an extension of a company's finance staff. They analyze credit card statements to identify 8-20% in cost savings through optimizing interchange fees, payments, and contracts. Their services require no upfront fees or changes to existing providers, and only charge contingency fees based on realized savings.
The document provides an overview of treasury functions including: managing cash and market risk, ensuring access to funding sources, utilizing funds effectively. It describes how treasuries now also handle foreign exchange, investment management, and trading various financial instruments. It outlines key treasury functions like money markets, foreign exchange, and asset-liability management. It provides details on related products and processes like money market instruments, currency exchange, interest rate swaps, and more. The document is an introduction to the roles and responsibilities of a corporate treasury department.
This document discusses various sources and methods of short-term financing for companies. It describes spontaneous financing sources like trade credits and accruals that arise from normal business operations without additional negotiation. Trade credits can come from open account arrangements, notes payables, or trade acceptances between suppliers and buyers. The document also examines negotiated financing options like commercial paper, bank loans, asset-backed loans, and factoring of accounts receivable. It analyzes factors for companies to consider like costs, availability, timing, flexibility and encumbrance of assets when determining the best mix of short-term financing sources.
The document discusses various approaches to asset and liability management (ALM), with a focus on liquidity risk management. It proposes using multiple metrics to measure liquidity risk, including the loan-to-deposit ratio, 1-week and 1-month liquidity ratios, a cumulative liquidity model, an intercompany lending report, and a liquidity risk factor. These metrics provide different insights into a bank's self-sufficiency, exposure to roll risk, potential stress points, and daily funding needs from both structural and forward-looking perspectives. The document emphasizes examining liquidity risk at the country, legal entity, and group levels with appropriate limits and assumptions.
Global Payables, Best Practices For Ecommerce Merchants By Dana Ninodananino
Global e-commerce merchants face challenges with cross-border payments including high costs, lack of transparency, and complex compliance requirements. There is a need for payment providers to offer more efficient, cost-effective methods in local currencies with real-time rates and reporting. Merchants should evaluate providers based on accuracy, bundling of payment types, online functionality, and auditing controls to streamline the payment process and reduce errors.
Steve Solomon presents options for finding capital in difficult times. He discusses analyzing cash flow, improving collection of debts, managing inventory and expenses. Financial tools available include overdrafts, loans, invoice discounting, asset financing and equity options. Understanding cash flow cycles and having a strategy is key to navigating hard times.
Applying cash flow management strategies part 1 score 12-2-19 final 11-25-19ChloePastorelli
This document outlines topics that will be covered in a two-part presentation on applying cash flow management strategies. Part I will discuss profit versus cash flow, cash flow cycles, key ratios like leverage and debt service coverage, income statements, balance sheets, and statements of cash flow. Part II will cover creating business plans and projections, debt structure strategies, criteria lenders consider, and presenting loan requests to lenders. The document provides definitions and strategies for managing inventory, accounts receivable, accounts payable, liquidity, and reasons why businesses often fail.
The document provides information on Commonwealth Bank's employee payroll services, which can simplify payroll processing, improve accuracy, reduce risks and liabilities, and save time. The services include electronic time clocks, tax filing assistance, professionally prepared paychecks and W2s, and additional services like unemployment claims assistance.
Similar to Auto Dealership Overview Presentation (20)
2. Table of Contents
For your business
● Financing Programs Page 3
● Treasury Management Solutions Page 10
● Merchant Services Page 11
● Commercial Billing Service Page 13
● Managing Risk Page 14
● Storytellers– our clients in their own words Page 16
For your employees
● Partnership Banking for your employees Page 17
For you
● Wealth Management Page 18
About us
● Your Team of Bankers Page 19
● About BBVA Compass Page 20
● About BBVA Page 23
3. Financing Access to capital is critical to operating and
growing a successful dealership.
Programs For over 40 years, BBVA Compass has
provided competitive financing
programs1 for automobile dealers in:
Floor Plan Lines of Credit
Real Estate Term Loans
Acquisition Financing
Equipment Financing
3
4. Dealer Floor Plan Lines of Credit
Financing available1 for New, Program, and Used Vehicle inventory
Flexible settlement terms for sold vehicles –
cash sales, dealer trades or finance contracts
Direct access to nationwide network of auctions enabling
streamlined payments
Deferred payment options for Fleet business
● Competitive pricing, independent of retail financing penetration
Equity Option (short-term cash management account) offsets dealership
floor plan costs, enabling a dealer to efficiently invest both business and
personal excess liquidity
4
5. Real Estate Term Loans
Available for owner occupied facilities1
Construction / Purchase financing available
Refinance / Expansion of existing facilities
Terms: typically 5 – 10 year terms, with 15 – 20 year amortizations
5
6. Acquisition Financing
Tailored to each deal1, depending on proposed capital structure and
projected cash flows
Franchise rights agreement assignment provides additional flexibility
Typically amortized over a 3 to 7 year period, enabling cash flow from
acquisition to serve as primary debt service source
6
7. Equipment Financing
Available to support new build or replacement/ additions to existing
facilities1
Short and long term loans available (up to 7 years)
Interest rate protection options available to manage interest rate risk
7
8. Benefits of experience
BBVA Compass has been offering solutions for Floor Plans and
Dealer Indirect solutions since 1970
Collateral— allowing a pool of used vehicle inventory, parts and
fixed
assets or other collateral to be used as a pledged collateral base
against
funds which can be advanced
Nationwide auctions— relationships with over 40 auto auctions
nationwide, enabling BBVA Compass to pay direct to the auctions
with
no cash outflow from the dealer
Equity Option— product allowing the dealer to deposit excess
personal
or dealership funds to offset the vehicle floor plan loan balance,
reducing interest charges 8
9. Treasury Management Services
Auto dealers have unique treasury management needs
Structure accounts and services to individual needs of
Team of each dealership; your team includes a TM manager,
Specialists
product support specialists and implementation specialists
These products and services leverage
up-to-date technology providing
The latest dealers with direct control over cash
technology flow accounts, minimize idle balances,
increase earnings and manage risk
-Automatic Investment Loan -Compass
Special
PaySource® Card
Offerings1 for -Automatic Investment Vehicle -Compass Remote
Auto Dealers
Deposit
-CompassView® Online®
-Compass e-Access® Services -Compass e-
Access® 10
10. Dealer Merchant Services
Auto dealers can have an experienced partner in
powerful payment processing solutions
Currently process over 200 merchant accounts for the auto
industry and over $107 million in annual purchase volume
Processing credit card transactions for over 25 years
Current portfolio of over 14,000 active merchant accounts, over
42 million transactions and $3.6 billion in processing volume
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11. Dealer Merchant Services
All cards accepted: MasterCard, Visa, Discover, American Express,
Diners, JCB and Fleet Cards: Voyager and Wright Express
Funds availability: MasterCard, Visa and Discover proceeds are
deposited via ACH within 24 hours into your BBVA Compass
checking account1
Real-time Internet processing
Several products for credit card processing include: terminal based,
Pin Pad, Internet solutions and gift cards
E-Connections: a comprehensive on-line information tool that
delivers complete review and management of authorized
transactions and historical data
12
12. Commercial Billing Service
Put your receivables on the fast track
A complete non-recourse accounts receivable service with funding in
advance. We manage your accounts receivables , allowing you to focus
on more profitable activities— such as growing your business.
How your company How your customers
1 2
2
can benefit includes: benefit includes:
● Immediate return ● Dedicated customer
service
on business-to-business ● Simplified reconcilements
accounts receivable ●No interest charges or late
fees
● No bad debt losses ● Focused sales and service
● Expense reduction from attention from you
reduced company workload
13
● Extra leverage on difficult accounts
13. Managing Risk
Customized solutions for exposure to market risks
Risks include: ● Interest rates ● Foreign Exchange ● Commodities
Hedging solutions are developed to meet your risk profile, market view and
strategic goals; solutions from both a risk and accounting perspective
Rates Swaps, Forwards, Caps, Floors Teamwork by your
Relationship Manager
and a risk specialist
Foreign
Spots, Calls, Puts, Forwards
Exchange
Dealer
Client
Energy - Swaps, Collars, Options
Commodities
(Caps, Floors)
Treasury Speciali
RM Solutions
st
14
14. Interest Rate Swap Pricing Example* for ―Sample‖ Auto Dealer (AD)
Loan pricing is LIBOR + 2.50%
10-year term/ 20-year amortization
Current LIBOR = 0.26% Fixed Term 3 Years 5 Years 10 years
Current Floating Rate = 0.26% + 2.50% = 2.76%
Considerations: 1. Immediate
Starting Fixed 3.90% 4.63% 5.79%
- By entering into a swap, AD can lock in Swap Rate
a fixed rate of 4.81% for the 5-year term
2. Fixed Swap
- The Rates, Currencies, Commodities (RCC) Rate Beginning 4.22% 4.98% 4.22%
in 12 months
group pays AD a floating rate AD then passes
the floating rate to their LENDER to satisfy the
original loan agreement
$Principal$
-In exchange, AD agrees to pay RCC SAD BBVA
BBVA
a fixed rate of 4.81% AD Compass
LIBOR + 2.50%
Floating
Compass
-The net effect is AD can lock-in at 4.81% 4.81% Fixed LIBOR + 2.50%
Floating
for the 5-year term
Interest rate swaps can be utilized on FRMG
term loans as well as floor plan lines of credit RCC
*For additional information, contact your BBVA Compass relationship manager. This example is prepared for informational purposes only , is based on
January 2012 market conditions, and is subject to change. Information used in this example is based on sources believed to be reliable. No
representation is made that it is accurate or complete or that any returns will be achieved. Changes in assumptions may have material impact on
returns. Past performance is not indicative of future results.
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15. Storytellers – our clients in their own words
An online, interactive web site featuring BBVA Compass clients.
Visit this site to hear their stories: www.bbvastorytellers.com
To view Tuscaloosa Toyota, Tuscaloosa, AL click on the image below:
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16. Partnership Banking
The program includes several banking features to meet the
personal financial needs of you and your team
Partnership Banking1,7 includes:
Build to Order Checking® account
Basic Savings account
And special offers for:
- mortgages
- equity loans and lines of credit
- secured loans
- simple lines of credit
- credit cards
17
17. Wealth Management
Investing, retirement planning, and business
transition planning may all play a role in
your business’s financial future
● Investing— short-term and long-term
investments2,3,4
● 401(k) plans— comprehensive
consultative
services to design, implement
and administer retirement plans
● Transition planning— business transition
and
succession, plans including family
transfers,
and external and internal sales2,3
Solutions are offered for a full range of
personal investments, trust and estate
planning, asset management, and
18
more.2,3,4,5,6
18. Your BBVA Compass Team
Jamie Shulman
SVP. Relationship
Manager
jamie.shulman@bbvacompass.co
m
602-522-6896 Office Cindi Combs
Team
602-826-1732 Cell Treasury Management
David Smith cindi.combs@bbvacompass.com Steven Curl
602-285-3653 Accounts Receivable Financing Group
Manager
Dealer Commercial Services arfinancing@compassbank.com
david.smith@bbvacompass.com 915-485-9274
205-238-2274 Matt Edwards
Product Solutions Specialist
Dawn Armstrong matthew.edwards@bbvacompass.com Jon Ruzan
Floorplan Auditor 602-778-0788 Partnership Banking
dawn.armstrong@bbvacompass.com jon.ruzan@bbvacompass.com
205-238-2262
602-565-8531
Karen Engelbardt David Lundgren
Indirect Sales Manager Private Banker
Karen.engelbardt@bbvacompass.com david.lundgren@bbvacompass.com
480-213-7670 480-368-1142
Donna Lynn Galloway
Relationship Support Specialist
donnalynn.galloway@bbvacompass.com
602-778-7063
19
22. About BBVA
BBVA is a financial services group with more than $660 billion in total assets, 50 million clients,
7,466 branches and approximately 111,306 employees in more than 33 countries. BBVA provides its
customers around the world with a full range of financial services, including commercial and
wholesale banking, retail banking services, consumer loans, mortgages, credit cards, securities
brokerage, wealth management, pension plan management and insurance. The BBVA Group
maintains a leadership position in Spain, Mexico, Latin America and the Sunbelt Region of the
United States as well as operations in China, France, Germany, Hong Kong, Italy, Japan, Singapore,
Switzerland, Turkey and the United Kingdom.
23
23. BBVA – Among the safest banks in the world
BBVA is the only major bank in the world that has not raised capital or received
government
assistance due to the financial crisis.
Harris Interactive Poll: Named BBVA Compass Retail Bank Brand of the Year for 2011
BBVA is ranked as one of the top 20 financial services companies in the world based on
market capitalization.
BBVA continues to outperform its peers in many measures of credit quality and has a
proven
track record of outperforming the industry in both good times and challenging
environments.
24
27. 1 Allloans subject to approval, including credit approval. All accounts are subject to approval.
2 Investments advisory services are available through SEC registered investment advisor affiliates of Compass Bank.
3 Securities and investment products offered b BBVA Compass and/or its affiliates are NOT deposits, are NOT FDIC insured, are NOT bank
guaranteed, are NOT insured by any other Federal Government Agency and may LOSE value.
4 Securities and investment products offered by BBVA Compass Investment Solutions, Inc., member FINRA and SIPC, and a wholly owned
subsidiary of Compass Bank are NOT deposits, are NOT FDIC insured, are NOT bank guaranteed, are NOT insured by any other Federal
Government Agency and may LOSE value.
5 BBVA Compass and its affiliates will work with you and your tax and legal advisors. BBVA Compass and its affiliates do not provide legal and tax
advice.
6 Insurance products are offered through BBVA Compass Insurance Agency, Inc. Insurance products are NOT FDIC insured, are NOT bank
deposits, have no bank guarantee, and are NOT insured by any Federal Government Agency. BBVA Compass Insurance Agency, Inc., is
a wholly owned subsidiary of Compass Bank.
7 Compass Bank is an Equal Housing Lender. See all product details and disclosures of Partnership Banking on the included Fact Sheets.
BBVA Compass is a trade name of Compass Bank, a member of the BBVA Group. Compass Bank, Member FDIC
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