The winner takes it all. Sberbank

Июль 30, 2022

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The winner takes it all. Sberbank

Содержание

2. Executive summary. How to get it all. Our response to the increasing market challenges – implementation
3. Introducing SberNet. Accumulate . Simple and necessary financial tools for every day use form a solid
4. Introducing SberNet. Analyze Basing on a complex Big Bata analysis, Sberbank proposes personal initiatives both for
5. Introducing SberNet. Accomplish. Sbernet becomes a personal consultant that gives flawless advices. Sbernet identifies the most
6. Implementation plan The SberNet platform needs to be launched as soon as possible (2016) and will
7. Results expected Implementation of SberNet platform will provide growth of the following KPIs… +58 123 MM
8. Masters Team Bobov Petr Burobin Maxim Voronova Olga Lobkovskaya Daria
9. Appendix 1. Banking industry prospects. Non-financial companies are increasingly venturing into financial sector for growth. Intention
10. Appendix 2. Introducing SberNet - the center of your financial ecosystem SberNet is a unitary platform
11. Impact from coordination. Individuals. Number of users growth. Impact from coordination. Business. Number of users growth.
12. Sources used: Bank reports, e-Finance User Index 2016, Team’s analysis. Online banking analysis, 2015 Mobile banking
13. Appendix 5. Costs. Sources used: Sberbank reports, Team’s analysis. Discount expenses Costs
14. Sources used: Sberbank reports, Rosstat, Team’s analysis. Appendix 6. Profit & KPIs. KPIs Profit
15. The greatest risks come from increasing market competition with non-banking companies, but the suggested strategy is
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Слайд 2

Executive summary. How to get it all.
Our response to the

increasing market challenges – implementation of SberNet strategy, which will provide immediate results and will be the base for the further success.

2. SberNet platform replies to the challenge, becoming your partner on every step of purchasing…

Profit increase

3. …and provides the following results for the bank (by 2020)

1. The current market conditions call for more close bank-client relationship

+319%

NPS increase

+33%

Active clients increase

Non-financial companies challenge the banks

New digital payment platforms

P2P credits by social networks

Sources: Team analysis, Appendices 1, 4, 6

Individuals

Business

Слайд 3

Introducing SberNet. Accumulate
.
Simple and necessary financial tools for every day use

form a solid base for constant clients interaction with Sberbank.

Individuals solution

Small & micro business solution

Introducing comprehensive budget manager (CBM)

Competitive advantages

Introducing business efficiency- increasing platform (BEIP)

Competitive advantages

Constant involvement in clients’ life

Sources: Team analysis, Appendix 4

Valuable data on individuals’ preferences

CBM provides Sberbank with …

BEIP provides Sberbank with …

Valuable data on business’ indicators & needs

Loyal business clients

Слайд 4

Introducing SberNet. Analyze
Basing on a complex Big Bata analysis, Sberbank proposes

personal initiatives both for individuals and small business…

1. Individuals’ expenses analysis

Long-term purchases

Everyday purchases

Offer comple-
menting goods

Efficient business

Sberbank consulting

P2B participant

High- rated business

Offer similar goods from partners

2. Business’ efficiency analysis

Inefficient business

…as the result, Sberbank will become not only clients’ but business’ everyday bank.

Saving money

Saving time

Building strong long-lasting relationships

Слайд 5

Introducing SberNet. Accomplish.
Sbernet becomes a personal consultant that gives flawless advices.
Sbernet

identifies the most common purchased items in every category and shows them.
The client can buy it instantly from a trusted partner with a good price-quality ratio.

Personalized offer, based on your expenses analysis

Providing wide choice of goods to choose from

High satisfaction from the purchase

The client makes choice

Using SberNet for next purchases

Only with verified partners

Quality control compensations in case of failure .

Sberbank turns into a faultless trusted helper

Sberbank isn’t just a bank, its your assistant & your friend.

Слайд 6

Implementation plan
The SberNet platform needs to be launched as soon as

possible (2016) and will be fully set by 2018.

Слайд 7

Results expected
Implementation of SberNet platform will provide growth of the following

KPIs…

+58

123 MM

Number of active clients

2015

2020

65 MM

Before 60%

After +33%

Profit growth

Key growth drivers

Revenue growth
Low implementation costs
Increasing market share

Aggregated finance managers
Digitalization
Network effect

User-friendly tools
Personalized approach
Valuable deals

Sources: Team analysis, Appendix 4,5
Due to constant involvement in clients lives, SberNet will not only increase KPIs, but will make Sberbank the Every Day Bank

+1516

1991 BN

2015

2020

475 BN

Слайд 8

Masters Team
Bobov Petr
Burobin Maxim
Voronova Olga
Lobkovskaya Daria

Слайд 9

Appendix 1. Banking industry prospects.
Non-financial companies are increasingly venturing into

financial sector for growth.

Intention to implement online-payment systems in Russia by non-financial companies.

Intention to implement P2P credits via social networks.

Clients’ oriented services are becoming extremely popular.

Key threats

Consiquences

Sberbank needs a shift in strategic focus from being a provider of financial products and services to being a provider of solutions, and counteract emerging of new payment systems.

Sources used: Sberbank reports, Team’s analysis.

Слайд 10

Appendix 2. Introducing SberNet - the center of your financial ecosystem

SberNet is a unitary platform which involves Sberbank in clients’ everyday life and boosts the clients’ interaction with the bank.

What are the aims?

… and is based on digital service channels

Mobile App

How does SberNet work?

Unify all your financial and consumer needs

Provide user-friendly services for your needs management

Build trustworthy life-long relationship with the clients

Online bank

Слайд 11

Impact from coordination. Individuals. Number of users growth.
Impact from coordination.

Business. Number of users growth.

Sources used: Bank reports, Rosstat, Team’s analysis.

Appendix 3. Accumulate.

Слайд 12

Sources used: Bank reports, e-Finance User Index 2016, Team’s analysis.
Online

banking analysis, 2015

Mobile banking analysis, 2015

Appendix 4. Digital banking analysis. Individuals

Слайд 13

Appendix 5. Costs.
Sources used: Sberbank reports, Team’s analysis.
Discount expenses
Costs

Слайд 14

Sources used: Sberbank reports, Rosstat, Team’s analysis.
Appendix 6. Profit &

KPIs.

KPIs

Profit

Слайд 15

The greatest risks come from increasing market competition with non-banking companies,

but the suggested strategy is aimed at easing the threats.

Appendix 7. Risks analysis

Probability

Impact

low

medium

high

General economic decrease

Сyber attacks on the bank and clients’ personal data

Profitability decrease due to lower demand on financial services

Increasing pressure from non-financial competitors

Risks

Market leadership & efficient management

Exploring non-financial markets

Solutions

Introducing new tools for every day use

Awareness of the constant threat & high security rates

The winner takes it all. Sberbank

Содержание

Executive summary. How to get it all. Our response to the

Introducing SberNet. Accumulate.Simple and necessary financial tools for every day use

Introducing SberNet. AnalyzeBasing on a complex Big Bata analysis, Sberbank proposes

Introducing SberNet. Accomplish.Sbernet becomes a personal consultant that gives flawless advices.Sbernet

Implementation planThe SberNet platform needs to be launched as soon as

Results expectedImplementation of SberNet platform will provide growth of the following

Masters TeamBobov Petr Burobin MaximVoronova OlgaLobkovskaya Daria

Appendix 1. Banking industry prospects. Non-financial companies are increasingly venturing into