Banks today, like their company clients, face the challenge of an ever-demanding and global client base. Although a global scale will present opportunities to capture new markets and Revenue streams, it also presents a challenge on how to effectively scale a business. Wholesale and Commercial banks are operating in an era of uncertainty. Increased regulations and the financial crisis has left many organizations unstable, in need of a transformation to re-present themselves to clients operating in a new world of global trade, regulatory challenges and an ever-demanding corporate client base expecting the most from their frugal banking relationships.

Arete brings years of Wholesale & Commercial banking experience to solve Bank's immediate needs to adapt to the changing business dynamics. We have helped a wide range of Wholesale and commercial clients explore differentiated business models to better target and serve their corporate client base and drive bottom line results.

 

Strategy Formulation For A Bank:

Background

Our client a private sector bank in South East Asia had the ambition to be in the Top 5 banks in the country with a strong focus on the SME segment to drive growth. Arete was hired to build the Business Strategy till 2015 to enable the bank's Transformation.

Based on the business strategy and current capabilities, a Business Case covering P&L and Financial impact along with high level estimate of investment required to achieve the business ambition was finalized with relevant stakeholders.

Methodology

Arete proposed a 4-part approach. We helped our client to understand their position in the market, and course of action to undertake to achieve the objectives.

• Market Analysis: Which market to participate?
  Through Industry Overview, Environmental Study, Market Growth Analysis, Revenue Pool Analysis, and Competition Analysis; we proposed relevant prodcut market choices for our client.
• Banks ambition: What are the ambitions for selected market?
  Ambitions setting for the client in the areas of Revenue & Profitability, and Customer & Market Share.
• Business Plans: What are the client processes and the enablers?
  Arete proposed New Client Aquisition Models, Portfolio Management, Product Strategy, and Distribution Strategy in the Front Office Operations.
• Operating Plans: What are the enabling plans?
  Functinoal plans & Business Function - month by month operating plans Enabling function operating plans