Competitive Business Case. MBA – March 2004. Delta Bank vs Panonska Bank. Index. H istory B asis of Banks P arametars of Work Overview of Banking Sectors in Serbia Nomber of Banks in Serbia Players Rang M arket Activites Balance Sheet Structure of Banks in Serbia
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Competitive Business Case
MBA – March 2004
Delta Bank vs Panonska Bank
The Bank is part of Delta Holding and was established in 16/10/1991.
Delta Bank is private bank
was established in 1974year by state. Ownership of the Bank was socialistic social.
Since 1995, it has been operating as a joint-stock bank.
Now, the State’s stake is 83% of the Bank’s share capital.
The nomber of the Bank’s shareholders is 1 337.
Mission:Delta Banka is aiming to be a leader on the banking market in Serbia, applying the highest world standards in banking services.
Vision:Basic directions will be development of retail banking, spreading of the net of branches, increasing clients both in domestic and foreign currency businesses, as well as, continuing the co-operation with leading European banks. Special attention was given to the developing of e-banking, as the basic of banking in the future.
Strategy:Increasing of trust of clients in the long-term stability of the Bank by making public accurate information on its financial balance, especially on its solvency, liquidity and risk management.
Activity: all banking transaction expected and wonted from clients
Imputs come from needs of 200 000 clients
dinars assets is more then 2.5 bill. dinars(36 mil. €)
assets in € is 4.4 mil.
dinars liability is more then 3.5 bill. dinars(50 mil. €)
liability in € is 3.4 mil.
total profit is near 300 mil. dinars (4.25 mil. €)
costs are 430 mil. dinars (more then 6 mil €)
Overview of Banking SectorinSerbia
Number of banks in Serbia since 2001
Number of banks as of Dec 31, 2000
New licenses issued in 2001
Number of banks today*
83 Banks in Serbia
Banks under enhanced supervision
Banks in administration
Liquidation / Bankruptcy
Activites of Players
STUDENT'S LOANS FOR SCHOLARSHIP PAYMENT
ARRANGEMENT CREDITS BASED ON THE CONTRACT ON BUSINESS CO-OPERATION
ATM TERMINALS OF DELTA BANKA
Domestic Currency Savings
Foreign Currency Savings
DOMESTIC & FOREIGN CURRENCY ACTIVITIES
DOMESTIC & FOREIGN CURRENCY ACTIVITIES
Cashing foreign cheques and international P/O
Domestic Currency Activities
Giro-accounts of citizens and undertakers
SAFE-BOXES OF DELTA BANKA
The Balance Sheet Structureof Serbian Banks
€ 4.8 bn
€ 4.8 bn
Claims of FRY for FC savings
Liabilities for frozen FC savings
Long term placements
*Excluding the 4 largest banks closed on January 3, 2002
Comparation with Banking Sector in Europe
Banking assets, 2001
In € bn
Banking assets per capita, 2001, in € ‘000
Banks' assets CAGR, 1997-2001
Number of credit cards in 000 of customers
GDP per capita in USD
Consumer loans per capita in €
Delta Bank is aiming to be a leader on the banking market in Serbia, applying the highest world standards in banking services. Basic directions of development include development of retail banking, further spreading of the net of branches, increasing the circle of depositors and clients both in domestic and foreign currency businesses, as well as, continuing the co-operation with leading European and world banks. Special attention was given to the developing of e-banking, as the basic of banking in the future.
Increasing total and particularly dinar balance sheet real potentials,
The emphasis on the dynamic growth of deposits of small and middle enterprises, entrepreneurs and citizens, as well as of fixed long term deposits,
Promoting credit activities particularly for financing small and middle enterprises and citizens,
Improving the existing and introducing new banking products and services,
Expanding business network and the Bank’s market share,
Increasing number of clients and users of domestic payment operations services with the promotion of efficient
Panonska Bank is one of tipical bank from socialism period. Today, this bank is still in good relationship with current political structur. During leading politics, the Bank will have good business, but can not say that has good future.
Delta Bank is part of strong group of known companies. Has good image and can expected nice future.
For presentation, we chose two of more important domestic banks because we’d like to show totaly diferent approach to business.
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