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Alpen bank –
Lansera kreditkort i Rumänien?
Projektledare : Martin

Operations: Arvid
RISK: Mattias
FSO: Josefine
Agenda




         1   Vår rekommendation


         2   Rumänska marknaden


         3   Strategi för lansering


         4   Finasiella beräkningar


         5   Riskanalys


         6   Vår avslutande rekomendation




2
Vår rekommendation


►   Lansera Alpen banks kreditkort på den Rumänska premium
    marknaden




3
Agenda




         1   Vår rekommendation


         2   Rumänska marknaden


         3   Strategi för lansering


         4   Finasiella beräkningar


         5   Riskanalys


         6   Vår avslutande rekomendation




4
Den Rumänska kortmarknaden


                 ►   Trenden i Rumänien är kort istället för cash
      Kort?
                 ►   Växande marknad




                 ►   Ökande inkomster bland övre medelklass
    Befolkning
                 ►   18,6 miljoner kan skaffa kreditkort i Rumänien




5
Vår analys av Alpen Bank


           Styrkor               Svagheter
      Etablerad verksamhet         Kostnader
      Existerande kundbas    Risker med nylansering
        Starkt varumärke
           Erbjuder en
         helhetslösning




         Möjligheter                  Hot
          Nya kunder              Konkurrenter
        Ökad lönsamhet        Ny på kortmarknaden
      Ökad marknadsandel       Oerfaren population




6
Agenda




         1   Vår rekommendation


         2   Rumänska marknaden


         3   Strategi för lansering


         4   Finasiella beräkningar


         5   Riskanalys


         6   Vår avslutande rekomendation




7
Strategi



                                   Hur ska lansering gå till?

    ►   Den befintliga bankverksamhet idag
    ►   Bankens starka varumärke
    ►   Tillsammans med oss – utveckla våra styrkor för att nå en lyckad lansering




8
Agenda




         1   Vår rekommendation


         2   Rumänska marknaden


         3   Strategi för lansering


         4   Finasiella beräkningar


         5   Riskanalys


         6   Vår avslutande rekomendation




9
Finansiella beräkningar för lanseringen



                           Våra beräkningar – De två första åren

 ►   Kostnader:
     ►   - 2 M € Kundförvärv
     ►   - 2 M € Marknadsföring
     ►   - 6 M € Omkostnader
     ►   Totalt: - 10 M €


 ►   Intäkter
     ►   16 M € Intäkter


 ►   Resultat 6 M €




10
Agenda




         1   Vår rekommendation


         2   Rumänska marknaden


         3   Strategi för lansering


         4   Finasiella beräkningar


         5   Riskanalys


         6   Vår avslutande rekomendation




11
Vår bedömning av Alpen Bank


                     RISK




                            3     1
1. Kontantberoende
2. Konkurrenter
3. Inframstruktur - Kort              2




                                      Sannolikhet


    12
Agenda




         1   Vår rekommendation


         2   Rumänska marknaden


         3   Strategi för lansering


         4   Finasiella beräkningar


         5   Riskanalys


         6   Vår avslutande rekomendation




13
Vår rekomendation


►    Lansera Alpen banks kreditkort på den Rumänska premium
     markanden




14
Frågor?

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Employee for a Day - Case competition, Ernst & Young

  • 1. Alpen bank – Lansera kreditkort i Rumänien? Projektledare : Martin Operations: Arvid RISK: Mattias FSO: Josefine
  • 2. Agenda 1 Vår rekommendation 2 Rumänska marknaden 3 Strategi för lansering 4 Finasiella beräkningar 5 Riskanalys 6 Vår avslutande rekomendation 2
  • 3. Vår rekommendation ► Lansera Alpen banks kreditkort på den Rumänska premium marknaden 3
  • 4. Agenda 1 Vår rekommendation 2 Rumänska marknaden 3 Strategi för lansering 4 Finasiella beräkningar 5 Riskanalys 6 Vår avslutande rekomendation 4
  • 5. Den Rumänska kortmarknaden ► Trenden i Rumänien är kort istället för cash Kort? ► Växande marknad ► Ökande inkomster bland övre medelklass Befolkning ► 18,6 miljoner kan skaffa kreditkort i Rumänien 5
  • 6. Vår analys av Alpen Bank Styrkor Svagheter Etablerad verksamhet Kostnader Existerande kundbas Risker med nylansering Starkt varumärke Erbjuder en helhetslösning Möjligheter Hot Nya kunder Konkurrenter Ökad lönsamhet Ny på kortmarknaden Ökad marknadsandel Oerfaren population 6
  • 7. Agenda 1 Vår rekommendation 2 Rumänska marknaden 3 Strategi för lansering 4 Finasiella beräkningar 5 Riskanalys 6 Vår avslutande rekomendation 7
  • 8. Strategi Hur ska lansering gå till? ► Den befintliga bankverksamhet idag ► Bankens starka varumärke ► Tillsammans med oss – utveckla våra styrkor för att nå en lyckad lansering 8
  • 9. Agenda 1 Vår rekommendation 2 Rumänska marknaden 3 Strategi för lansering 4 Finasiella beräkningar 5 Riskanalys 6 Vår avslutande rekomendation 9
  • 10. Finansiella beräkningar för lanseringen Våra beräkningar – De två första åren ► Kostnader: ► - 2 M € Kundförvärv ► - 2 M € Marknadsföring ► - 6 M € Omkostnader ► Totalt: - 10 M € ► Intäkter ► 16 M € Intäkter ► Resultat 6 M € 10
  • 11. Agenda 1 Vår rekommendation 2 Rumänska marknaden 3 Strategi för lansering 4 Finasiella beräkningar 5 Riskanalys 6 Vår avslutande rekomendation 11
  • 12. Vår bedömning av Alpen Bank RISK 3 1 1. Kontantberoende 2. Konkurrenter 3. Inframstruktur - Kort 2 Sannolikhet 12
  • 13. Agenda 1 Vår rekommendation 2 Rumänska marknaden 3 Strategi för lansering 4 Finasiella beräkningar 5 Riskanalys 6 Vår avslutande rekomendation 13
  • 14. Vår rekomendation ► Lansera Alpen banks kreditkort på den Rumänska premium markanden 14