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The Turkish Sector has attracted significant Foreign Investment in the last few years - PowerPoint PPT Presentation


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+. +. The Turkish Sector has attracted significant Foreign Investment in the last few years. Foreign participation in top 10 private banks (USD bn, % of shares). Under penetration. 20.85%. 20%. 40.9%. Young and growing population. 84.7%. 99.81%. Improving macro parameters,

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slide2

+

+

The Turkish Sector has attracted significant Foreign Investment in the last few years

Foreign participation in top 10 private banks

(USD bn, % of shares)

Under penetration

20.85%

20%

40.9%

Young and growing population

84.7%

99.81%

Improving macro parameters,

economic environment

100%

100%

42.1%

93.3%

slide3
Garanti: BriefIntroduction

Total Assets

US$ 66 bn

  • Integrated financial services company
  • Technologically advanced, innovative and dynamic
  • Customer-centric growth model with key focus on profitability and asset quality
  • Ownership structure:
    • 51%: owned by Doğuş Group (30%) andGECF (21%)
    • 49%: in the free float

Shareholders’Equity

US$ 6.4 bn

2008 Net Interest Income

US$ 2.1 bn

2008 Net Profit

US$ 1.12 bn

Branch Network2

740

Customer Number2

7.5 mn

slide4

GarantiBank ADC

“Europe’s Best Retail Internet Bank”

“World’s Best Investment Mng. Services “

Global Finance, 2006

Global Finance, 2008

“Turkey’s Best Internet Bank“

(8th Consecuvite Year)

Golden Spider, 2009

“Turkey’s Best Commercial Internet Bank“

“Europe’s Best Commercial Internet Bank“

“Best Information Security Initiatives- Europe“

Global Finance, 2008

Global Finance, 2008

Global Finance, 2008

ADC Customers

5.5 million

Online Customers

1,600,000

ADC Usage Rate

87%

Transactions

30 mio/mth

Volume (USD)*

50 bn/mth

Total Revenue (USD)*

95 million

* Volume and Total Revenue are estimated for 2009

slide5

Garanti AlternativeDistributionChannels

Branch Network

Call Center

  • 740branches
  • 13,500 employees
  • 3.3 million calls/month
  • 2.5 million product sales annually

www.garanti.com.tr / Online Banking

wap.garanti.com.tr / Mobile Banking

  • 1.6 million online banking customers
  • 15 million transactions/day
  • 3.7 million product sales annualy
  • 250.000+ Mobile Banking Users
  • Most of the Online Banking Transactions

İnternet Kiosk

CepBank

  • 600 Kiosks
  • All Online Banking Transactions
  • 280.000 users
  • 9 Different SMS Banking Transactions

ATMs

  • 2.700 ATMs
  • 10.060 “Golden Point” ATMs
slide6

Garanti AlternativeDistributionChannels

Internet

ATMs

Mobile

Branch

Call Center

Kiosk

CepBank

Availability

Convenience

slide8

Online Banking?

Improve Customer Retention

Improve Branch Performance

  • Guarantee speed
  • Availability
  • Create convenience
  • Provide personalization
  • Create more time for sale
  • Reduce operations load & cost

Exploit New Sales Opportunuties

Increase Brand Equity

  • Cross/up-sell
  • Sales lead generation
  • New customer acquisition
  • Strong communication
  • Strengthening corporate identity
slide9

Creating Loyal and Valuable Customers

Cost

Loyalty

Net Promoter S.

%98,5

15 contacts/month

%20

Less Cost

More Contacts

More Satisfaction

Sales and Profitability

%55

%45

More Sales

More Profit

slide10

Mobile Usage

  • Which medium would be your last choice if you had to leave?

Newspaper

Radio

Periodical

Internet

TV

Mobile

  • Source: 2006 TNSPiar
slide11

Garantibank Mobile BankingStrategy

SMS Banking

Mobile Payment “CepBank Shopping”

  • “CepBank” FinancialTransactions
  • InstantLoanApplication
  • e-Commerce
  • Ordered Payments & Call Centers
  • Inquiry Services
  • Push Services
  • Bonus Trink - Mobile Wallet
  • Pull Product Sales

Security

Mobile Banking “Cep Subesi”

  • SoftTokens
  • Public Site
  • Mobile Signature
  • SMS OTP
  • Secure Site
  • Security Alerts & Transfer Alerts
slide13
Distributioninnovation: PersonalLoan in 5 min.

Value proposition

Impact

  • 4.000.000 applications

Instant pre-approval in max. 5 minutes

  • 800.000 applications via SMS

Multi-channel approach via Internet, ATMs, Call center and SMS

Impact After 1st year

  • Monthly Volume X 13
  • Monthly Applications X 120
  • Approval Rate X 5

Quick and easy application for both customers & non-customers

slide15

CepBank: Money Transfer

Money Transfer by a single SMS to even non-customers

Garanti

Customer

Non-Garanti

Customer

Through

All Operators

slide16
Distribution innovation: SMS banking

Value proposition

How it works?

(1) Sends an SMS to 3333, with receiver phone number, payment amount and password

“Money Transfer to Non-Customer” by SMS”; 1st in the World

6 Different Transactions

  • Money Transfer to Mobile Phone (Non-Customer)
  • Credit Card Payment

(2) Garanti sends an SMS to thereceiver which contains the Sender’s

Name, Surname and the PIN

  • Money Transfer to Registered Accounts
  • Toll Payments
  • Mobil Phone Top-Up
  • Game of Chance Payments

Usage in Mobile Marketing Campaigns of FMCG Companies

(3) Receiver uses the “Cardless Transactions” menu to withdraw cash byentering his mobile phone number, sender’s phone number, amount and the PIN code sent via sms

Impact: 300.000 CepBankCustomers

slide17

CepBank in Mobile Marketing Campaigns

Doritos sent you 10 USD by Garanti CepBank You can withdraw in 30 days from any Paramatik ATM by using “CARDLESS” key. PIN:1234 

Cash Promotion in 30 mio Doritos Fritolay Potato Chips Packages

  • Winners withdraw cash from the ATM by using the information in the SMS – no need to be a Garantibank customer

25.000 Doritos Fritolay Potato Chips Consumers, 400.000 USD in Cash

40.000 Nestle Crunch Consumers, 200.000 USD in cash

slide18

Mobile Payment, “CepBank Shopping”

Security

Ease of Use

Operator Independence

Flexibility

slide19

How Does Garanti CepBank Shopping Work?

  • Client chooses CepBank Shopping option after completing shopping procedure. He enters the mobile phone number, that is registered to CepBank, into “Mobile Phone Number” field;
slide20

How Does Garanti CepBank Shopping Works?

PLEASE REPLY BY ENTERING YOUR CEPBANK PIN TO APPROVE PAYMENT OF 21,49 YTL WITH THE REFERENCE NUMBER 1417045 FROM HEPSIBURADA:COM.

YOU HAVE PURCHASED FROM HEPSIBURADA:COM WITH THE AMOUNT OF 21,49 YTL. CEPBANK.

slide21

How Do We Use Mobile?

  • More than 5 million WAP users.
  • More than 30 million mobile phones (%60) WAP enabled.

YEAR

2000

2005

2007

2009

SPEED

20 kb/sec

50 kb/sec

100 kb/sec

7.2 mbit/sec

slide23

Garanti Mobile Banking

Banking: Any Time Any Place

Fast and Convenient Usage

Same Visual Experience for All Mobile Phones

No Download, No Activation

Totally Free!

slide25

How Do We Use Mobile?

Most Banking Transactions Covered by Mobile Branch

Credit CardTransactions

Credit CardSummary

Payments & Utility Bills

Stock Exchange

MoneyTransfers

slide26

Garanti Mobile Banking, Transactions

Investment Transactions

Credit Card Transactions

  • Stocks
  • Credit Card Information, Balance and Spending Inquiry
  • Mutual Funds

Transfers

  • Credit Card Debt Payment
  • Money Transfer to Account & Name

Utility Bill Payments

  • Fast Money Transfer to Registered Accounts
  • Utility Bill Debt Inquiry
  • Electronic Fund Transfer

Inquiry Services

  • Payment with Installation Number
  • Balance and Transaction Inquiry
  • Municipality, Natural Gas, Electric, Company Payments, Insurance Payments, Consumer Finance Payments, Telecommunication Payments etc.

FX Transactions

  • Foreign Currency Buy/Sell
slide28

Bonus Trink – Mobile Wallet

  • Announced first PayPass Credit Card in Turkey
  • First NFC Sticker in the world & NFC Watch in Europe
  • Launched on January 16, 2008 (NFC) trial for mobile payments 
  • A contactless MasterCard PayPass credit card application is
  • stored on the SIM card as a secure element 
  • Available in Starbucks, McDonalds, PizzaHuts and many
  • parking and special city card projects
slide29
Product tailoring: Credit cards example

Bonus Prepaid

Paracard

Bonus

Flexi

S&M

& Club

& Club Prive

American Express

“the common people”

Open-minded

High spending, gives importance to status, social, prefers luxury

High expectations, high spending

High&worldwide spending, quality life style

Customer reflection

Charismatic, “The original”, makes life easier

Cheerful, young, dynamic, energetic

Innovative, funky

Charismatic, “The original”

Powerful, confident

Personality

If I fly a lot and use S&M for my flight and shopping purchases, i will earn miles

I fly a lot and need a personal assistant

I am clever and spend my money in a smart way

Smart, individual, aware

Elite, Prestigous

Self-image

slide30

Q&A

Thank You...

Ali Süha Ter

suhat@garanti.com.tr