3 BUSINESS MODEL CANVASES:

• Credit Suisse• ICBC CHINA • BOURSORAMA France • AUTHORS: Evangelos BRACHOS

Sikka GOMEZ Christian SERY Sabrina OSSEY

Lecture Lecture : : e-business 2011 MScIS Group’s subject : BANKING & FINANCE

Key partners

Revenue streams

Cost structure

ChannelsKey ressources

Key activities Customer segment

Value proposition

Customer relationships

BANK officesInternet banking and business transaction social media Direct net banking app (on iphone)

BANK officesInternet banking and business transaction social media Direct net banking app (on iphone)

Relationship management model Personnal consultation (hotline)

Relationship management model Personnal consultation (hotline)

large network An expertise section Social media Credit suisse Brand ServicesAmbassador :Roger Federer

large network An expertise section Social media Credit suisse Brand ServicesAmbassador :Roger Federer

good strategyStrengths of Asset Management

good strategyStrengths of Asset Management

Private Clients Corporates & institutions lien Governments

Private Clients Corporates & institutions lien Governments

AssociationsAuthoritiesSponsorshipSociety

AssociationsAuthoritiesSponsorshipSociety

Private banking Investissement Banking Asset management

Private banking Investissement Banking Asset management

corporatesTraining New agencies creation Investments funds and securitiesTradersNew assets managersHedge funds

corporatesTraining New agencies creation Investments funds and securitiesTradersNew assets managersHedge funds

Rates Services payments return on equityNew asset Collaboration revenuesGross margin in the Wealth Management Clients businesslien

Rates Services payments return on equityNew asset Collaboration revenuesGross margin in the Wealth Management Clients businesslien

CREDIT SUISSE CREDIT SUISSE

Shared services

KEY’S PARTNERS Associations

Authorities

Sponsorship

Society

Associations

Authorities

Sponsorship

Society

SBA - Swiss Bankers Association Swiss American Chamber of Commerce

Swiss Employers AssociationEtc……..

In the context of its global initiatives, Credit Suisse works with a series of partner organizations. The bank also

supports a large number of humanitarian organizations in the four regions in which it operates.Europe,America,asia-

pacific,EMEA

Switzerland : FDF - Federal Department of Finance FINMA - Swiss Financial Market Supervisory Authority

SNB - Swiss National BankETC……

Credit Suisse maintains numerous partnerships in culture and in sports.

Roger Federer's websiteRoger Federer Foundation

Etc….

KEY’S ACTIVITIES

Private banking

Asset management

Investissement Banking

Private banking

Asset management

Investissement Banking

Key activities

Provide comprehensive advice and a broad

range of wealth management solutions

to Offer a broad range of investment banking and securities products

and services

To offer a wide range of investment products and functions across

asset classes

Values Proposals

good strategy

Strengths of Asset Management

good strategy

Strengths of Asset Management

Client focus Performance Alignment Risk management Intellectual capital Client delivery

Relashionship management model

Channels Internet

banking and business Payments

channels

Business easy

package

Direct net banking app (on iphone)

Social media

Bank offices

Internet banking and business Payments

channels

Business easy

package

Direct net banking app (on iphone)

Social media

Bank offices

• Youtube• Facebook,twitter• RSS• Podcast

• Switzerland, United kingdom• USA, BRAZIL• Japan, Hong Kong china, Singapoure

• Switzerland, United kingdom• USA, BRAZIL• Japan, Hong Kong china, Singapoure

• Direct Net and NetBanking Platforms• Payment Channels for More Complex Requirements• Conventional Payment Transaction Channels• Personnal consultation (phone,internet)

• Your Benefits at a Glance, Business Easy Overdraft Limit, Payment Transactions• Optional Products, Interesting Additional Benefits• Your Benefits at a Glance, Business Easy Overdraft Limit, Payment Transactions• Optional Products, Interesting Additional Benefits

• Services at your fingertips• Exclusive for Direct Net users• Highest Standards of Security

• Services at your fingertips• Exclusive for Direct Net users• Highest Standards of Security

Key partnersKey partners

Revenue streamsRevenue streams

Cost structure

Cost structure

ChannelsChannelsKey ressources

Key ressources

Key activitiesKey activities Customer segment

Customer segment

Value proposition

Value proposition

Customer relationships

Customer relationships

Bank corporates Internet banking Phone banking

Bank corporates Internet banking Phone banking

Relationship managementVIP version of personal internet

Relationship managementVIP version of personal internet

Integrated account Service Materials ICBC Brand

Integrated account Service Materials ICBC Brand

Rewards programs Octopus Automatic Add- Value Service Free personal accident travel insurance VIP version of personal internet Second password security mesure

Rewards programs Octopus Automatic Add- Value Service Free personal accident travel insurance VIP version of personal internet Second password security mesure

Clients Companies Governments

Clients Companies Governments

Consultants Auditors Insurance company Bank

Consultants Auditors Insurance company Bank

Risk management Investment Consultancy servicesInsurance E-bankingFinancing servicesSecurities,Mutual fund, bondsStructured financial asset

Risk management Investment Consultancy servicesInsurance E-bankingFinancing servicesSecurities,Mutual fund, bondsStructured financial asset

Training Bonus New agencies creation Discount on charge Audit charge Investments funds and securities

Training Bonus New agencies creation Discount on charge Audit charge Investments funds and securities

Rates Services payments Commission rates insurance

Rates Services payments Commission rates insurance

Industrial and Commercial Bank of China Ltd ICBC

KEY’S PARTNERS

Consultants

Insurance company

Bank companies

Consultants

Insurance company

Bank companies

Pricing partners…Pricing partners…

Cr AXA-Minmetals Assurance , Allianz China Life (AZCL),Standard Bank …

Cr AXA-Minmetals Assurance , Allianz China Life (AZCL),Standard Bank …

Values Proposals

Rewards programs

Octopus Automatic Add-Value Service

VIP version of personal internet

Rewards programs

Octopus Automatic Add-Value Service

VIP version of personal internet

ICBC Credit Card Octopus Automatic Add-Value Service (¡§AAVS¡¨) enables you automatically to add value (HK$250 or HK$500 at your choice) to any Octopus

card/product when there is insufficient fund. No need to queue…

ICBC Credit Card Octopus Automatic Add-Value Service (¡§AAVS¡¨) enables you automatically to add value (HK$250 or HK$500 at your choice) to any Octopus

card/product when there is insufficient fund. No need to queue…

For every HK$1 with your credit card, you will receive 1 point

For every HK$1 with your credit card, you will receive 1 point

VIP version is an Internet Banking service exclusively for the premium online clients of ICBCPersonal Internet

Banking. This new service offers special channel, service area, premium services, products and rate to all VIP

members

VIP version is an Internet Banking service exclusively for the premium online clients of ICBCPersonal Internet

Banking. This new service offers special channel, service area, premium services, products and rate to all VIP

members

Channels

Bank corporates

Internet banking

Phone banking

• Personal E-banking Service (account management,remittance and payement services,wealth management…)

• Corporate E-banking Service (e-commerce,security service,credit business,banking@home …)

• Personal E-banking Service (account management,remittance and payement services,wealth management…)

• Corporate E-banking Service (e-commerce,security service,credit business,banking@home …)

• Overseas Branches(Singapore,France,Argentina)• China Branches• Overseas Branches(Singapore,France,Argentina)• China Branches

• payment operation of orders generated by e-commerce platform through the Telephone Payment service.

• payment operation of orders generated by e-commerce platform through the Telephone Payment service.

Value Proposition

-A Free and simple news of the stock exchange-Customizable Brokerage service-E-Banking 24/7 with innovation (online check ...)-Everything at low cost and on a unique portal

FINANCE

Customer Relationship

-Switching costs

Distribution Channel

-Word of mouth-Internet-social networks

Customer Segment

People interessed by the stock exchange

Key Activities

-Marketing-E-Banking-Brokerage

Key Ressources

-Brand recognition-Big attendance-online experience

Key Partners

-Internet Providers-Suppliers of Financial Data-Société Générale

Revenue Streams

-Advertising on the website-brokerage revenue-Commission

Cost Structure

-Internet costs- Technologic infrastructure cost (computers, server..)

BOURSORAMA

Value Proposition

Value Proposition

-A Free and simple news of the stock exchange-Customizable Brokerage service-E-Banking 24/7 with innovqtion (online check ...)-Everything at low cost and on a unique portal

Customer Segment

People interessed by the stock exchange

(particular, professional…)

Offering a unique experience as a financial portal

Offering a unique experience as a financial portal

Distribution Channel

Value Proposition

-A Free and simple news of the stock exchange-Customizable Brokerage service-E-Banking 24/7 with innovqtion (online check ...)-Everything at low cost and on a unique portal

Distribution Channel

-Word of mouth-Internet-social networks

Customer Segment

People interessed by the stock exchange