Strategic Business Plan Insert name of institution.
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Transcript of Strategic Business Plan Insert name of institution.
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Strategic Business Plan
Insert name of institution
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Why do we exist? What is our purpose?
What purpose?
Mission, Impact
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Mission & Vision
MissionPlease add
VisionPlease add
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Core Values
» Value: explanation
» Value: explanation
» Value: explanation
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Historical:
Current Focus Point:
Look…Feel…Think:
Top 3 Keys:
Transformation
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…what do we mean by Impact…what impact do we Seek?
Intended Impact
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Transformational Impact Opportunity International is committed to its primary deployment in the market place to address the financial
barriers that limit opportunities for poor people; combined with the intentional efforts to create, enhance or maximize environments necessary for improvements across every dimension of need within a
person’s life. [Dignity; Security; Adequate Provision; Hope, Purpose and Meaning; Freedom and Appropriate Boundaries; Authority; Authentic Relationships and Love.]
Large-scale Outreach Opportunity International aims to provide access to range of financial products and services for the poorest of the working poor: those with passion and a business dream but without access to mainstream or affordable
financial services. In serving those people at the bottom of the financial pyramid, Opportunity International has grown exponentially to well over 1 million active clients from its time of creation, however during that time so has the number of impoverished people across the world grown to estimates of 1 billion people living at the
margins of survival on less than US$1 a day, and 2.6 billion—40+ percent of the world’s population—living on less than US$2 a day. As Kofi Anan then UN Secretary general stated in 2000 “…yet even these statistics fails
to capture the injustice, indignity, humiliation, powerlessness and brutal hardship that is the daily lot of the world’s poor.” While large scale economic injustice exists, Opportunity International will remain committed to
large scale outreach.
Financial Viability Opportunity International is committed to financial viability where income from lending operations covers costs,
not only on an organizational viability, but on a program-by-program viability as well
Triple Bottom Line
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•…
•...
•...
1What are you trying to ACHIEVEWhat do you want that you do not have
2What are you trying to PRESERVE
What do you want that you already have
3What are you trying to AVOID
What do you not have that you do not want
4What are you trying to ELIMINATEWhat do you have now that you do not want
Impact Analysis
•…
•...
•...
•…
•...
•...
•…
•...
•...
Do
We
Hav
e It
No
Do We Want ItYes No
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Who is our client?
What purpose?
Markets and clients
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Country characteristicsCountry and economic characteristics
» Please explain
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SupplySupply of financial services at lower end of the market
(competition):
» Please provide in detail
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DemandDemand for financial services at lower end of the market
(potential clients):
» Please provide detail
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Client SegmentationClient segmentation (s) defined:
» Please provide detail
Client profile (s) defined within each segment:
» Please provide detail
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Client NeedsClient needs defined per segment:
» Please explain
How have you determined client needs per segment?
» Please explain
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…How do we go about realizing our intended impact?
- Products- What organizational form
Products & Institutional form
Products
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Key Product Offerings (future)
Product Key product features Client Segmentation
Linked Partnerships/ Services
Level of ImpactLow Med High
1
2
3
4
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Product ‘check’ through the transformational lens
See notes below!
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Dignity
Authentic relationships & love
Freedom & appropriate boundariesPurpos
ehope & meaning
Adequate provision
Authority
Security
• …•….•….
• …•….•….
• …•….•….
• …•….•….
• …•….•….
• …•….•….
• …•….•….
Product ‘check’Exercise
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Institutional Summary
Yesterday Today Tomorrow
Type of entity Type of entity Type of entity
Target groups Target groups Target groups
Product(s) Product(s) Product(s)
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With what? Assets, Resources, Skills, Knowledge, Experience, Networks, Overall
Capacity
Resources
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Capacity
. • ..
•..
•..
•..
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Top 5 Strategic initiatives
1.
2.
3.
4.
5.
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Planning results
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Impact – loan projections
Loans 2006 2007 2008 2009 2010 2011 2012 2013
Number of active clients - - - - - - - -
Gross Loan Portfolio ('000 EUR) - - - - - - - -
Annual GLP growth (%) 0% 0% 0% 0% 0% 0% 0%
Average o/s loan size (EUR) - - - - - - - -
% # loans < 10,000 EUR 0% 0% 0% 0% 0% 0% 0% 0%
% # loans > 10,000 EUR 0% 0% 0% 0% 0% 0% 0% 0%
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Loan projections
-
0
0
0
0
1
1
1
1
1
1
-
0
0
0
0
1
1
1
1
1
1
2006 2007 2008 2009 2010 2011 2012 2013
Dev't of loan portfolio
Gross Loan Portfolio ('000 EUR) Number of active clients
'000 EUR # clients
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Impact – deposit projections
Deposits 2006 2007 2008 2009 2010 2011 2012 2013Number of deposit accounts - - - - - - - -
Volume of deposits ('000 EUR) - - - - - - - -
Annual deposit growth (%) 0% 0% 0% 0% 0% 0% 0%
Average account balance - - - - - - - -
% deposits sight deposits 0% 0% 0% 0% 0% 0% 0% 0%% deposits term deposits 0% 0% 0% 0% 0% 0% 0% 0%
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Deposit projections
-
0
0
1
1
1
-
0
0
1
1
1
2006 2007 2008 2009 2010 2011 2012 2013
Dev't of deposits
Volume of deposits ('000 EUR) Number of deposit accounts
'000 EUR # clients
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Leverage & capital adequacy
Leverage 2006 2007 2008 2009 2010 2011 2012 2013Equity ('000 EUR) - - - - - - - - Deposits ('000 EUR) - - - - - - - - Debt - borrowings ('000 EUR) - - - - - - - - Leverage ratio (Tot. Assets/ equity) 0% 0% 0% 0% 0% 0% 0% 0%Liquidity ratio 0% 0% 0% 0% 0% 0% 0% 0%Estimated capital adequacy 0% 0% 0% 0% 0% 0% 0% 0%
-0 0 0 0 1 1 1 1 1 1
2006 2007 2008 2009 2010 2011 2012 2013
Leverage
Equity ('000 EUR) Deposits ('000 EUR) Debt - borrowings ('000 EUR)
'000 EUR
0%
20%
40%
60%
80%
100%
2006 2007 2008 2009 2010 2011 2012 2013
Estimated capital adequacy
Estimated capital adequacy
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Internal capacity
0
0.1
0.2
0.3
0.4
0.5
0.6
0.7
0.8
0.9
1
2006 2007 2008 2009 2010 2011 2012 2013
Number of branches
00.10.20.30.40.50.60.70.80.9
1
2006 2007 2008 2009 2010 2011 2012 2013
Number of staff
Internal capacity 2006 2007 2008 2009 2010 2011 2012 2013Number of branches 0 0 0 0 0 0 0 0Number of staff 0 0 0 0 0 0 0 0Head office staff as % of staff 0% 0% 0% 0% 0% 0% 0% 0%Loan officers as % of staff 0% 0% 0% 0% 0% 0% 0% 0%
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Operating efficiency
Efficiency 2006 2007 2008 2009 2010 2011 2012 2013Operating efficiency 0% 0% 0% 0% 0% 0% 0% 0%Clients per employee - - - - - - - - Number of o/s loans/ L.O. - - - - - - - - O/s loan pf/ L.O. ('000 EUR) - - - - - - - - Disbursed volume/ L.O./ Mo. - - - - - - - - Number of disb. loans/ L.O./ Mo. - - - - - - - -
0%
20%
40%
60%
80%
100%
2006 2007 2008 2009 2010 2011 2012 2013
Operating efficiency
Operating efficiency
-
0
0
1
1
1
-
0
0
1
1
1
2006 2007 2008 2009 2010 2011 2012 2013
o/s loan portfolio per loan officer
O/s loan pf/ L.O. ('000 EUR) Number of o/s loans/ L.O.
'000 EUR
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Profitability
Profitability 2006 2007 2008 2009 2010 2011 2012 2013Return on average Assets* 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%Return on average Equity* 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
0%
20%
40%
60%
80%
100%
2006 2007 2008 2009 2010 2011 2012 2013
RoA and RoE
Return on average Assets* Return on average Equity*