Post on 21-Mar-2016
description
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K&H Bank
Budapest, 21 April 2004
K&H Group’s market position and key strategy
John HollowsCEO
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contents
K&H Bank
market position
strategy of the Bank
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snapshot I.157 retail branches
19 corporate branches
3 800 staff
522 000 retail clients
70 000 corporate clients, 6 300 medium-sized companies
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snapshot II.leading corporate bank
2nd placed retail bank
2nd placed bank (in terms of assets)
profits of EUR 70 million p.a.
ROE 17%
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K&H Bank network
157 branches
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K&H Group K&H Asset Managementwith HUF 120 billion in assets under management, third largest player, 8.3% market share, wide range of funds
K&H Medicina Health Fund the first nationwide health fund operated by a bank
K&H Leasing Groupwith a portfolio of HUF 140 billion, 400 partners nationwide, second largest market player, 80,000 clients
K&H Life Insurancewith a premium income of HUF 4 billion, 35,000 clients, comprehensive insurance services
K&H Equitiesa wide range of capital market services for domestic and foreign private, as well as corporate clients
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market share I.figures by assets30 September 2003
1 186 991775 632
885
2 636
1 371
0500
1 0001 5002 0002 5003 000
HUF bln
K&H Bank: IAS, consolidated datas; other banks: HAS, non-consolidated datas
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market share II.operating profit30 September 2003
15 14 125
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72
17
01020304050607080
HUF bln
K&H Bank: IAS, consolidated datas; other banks: HAS, non-consolidated datas
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ROEROE (2003)
-10%
0%
10%
20%
30%
40%
OTP
RAIF
FEIS
EN K&H
HVB
MKB
+KO
NZUM CI
B
ERST
E+PO
STA
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ROAROA (2003)
-1%
0%
1%
2%
3%
4%
5%
OTP
RAIF
FEIS
EN HVB
K&H
MKB
+KO
NZUM CI
B
POST
A+ER
STE
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SWOT analysisstrengths
full service bankcorporate market leadergrowing retail businessextensive networkstrong performance since mergerstrong profitability
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SWOT analysisweaknesses
reputation damagedcost income weaktoo reliant on Corporatetoo many back offices systemsweak Corporate deposit growthproduct driveninternal barriers
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SWOT analysis
opportunities
expanding economystrong shareholderscommitted staffloyal clients
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SWOT analysis
threats
competitionbanking consolidationclient expectationsregulator expectations
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mission statementBy combining best international practice with sound
local knowledge we aim to provide:
our clients with a distinctively modern banking service which begins with their needs and concludes with the delivery of effective solutions at competitive prices; our staff with clear goals, strong leadership, transparent reward programs and attractive career path choices; andour shareholders with growing and sustainable profitability at above average returns.
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strategyTo fulfill our mission we are
developing a client needs approach to marketing and sales
drawing upon the resources of our shareholders to offer effective and modern client solutions
simplifying and rationalizing back office systems and procedures to improve efficiency and enhance control
seeking to achieve a better balance between Corporate and Retail contributions
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on top of my agenda
corporate governancestrategy implementationcredit riskLeasingsystems (including K2)
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recent developments
balanced scorecard
investment advisers
Equities re-opens
executive retail committee
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concluding remarks
strong organic growth building on past success drawing on shareholder resources client focus, values embedded sound systems and controls quality – earnings, growth, return