AGENDA Getin Noble Bank’s strategy assumptions and objectives Bank’s starting position Bank’s strategy
AMBITION
ONE BILLION IN CONSOLIDATED NET PROFIT ~50% INCREASE IN INTEREST INCOME
~50% DECREASE IN IMPAIRMENT CHARGES
~DOUBLED ROE
~50% ~2x
1.8 b PLN
>15%
~50%
1.2
1200
b PLN
m PLN
970 m PLN
7.8%
550 m PLN
2012
2015
2011
2012
2015
2012
2015
OBJECTIVE:
REACH THE EXPECTED PROFIT AT A MODERATE INCREASE IN ASSETS (+ ~10%) FASTER GROWTH? WE ARE INTERESTED IN ACQUISITION OPPORTUNITIES. Figures reflect strategic goals, their accomplishment is the Management Board’s ambition, rather than a business forecast. 3
TOMEK 35 YEARS OLD
INCOME 4,000 PLN BEFORE TAX Tomek bought an Opel on credit in Getin Bank. He is happy because he obtained an instant loan and could immediately enjoy his new car.
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TOMEK DID NOT HAVE ANY PROBLEMS IN FINDING HIS WAY TO GETIN BANK’S ATTRACTIVE OFFER.
BUT WHAT IF HE WANTED TO OPEN A NEW BANK ACCOUNT? HERE, HE WOULD PROBABLY CONSIDER SOME OTHER BANK...
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WHY?
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WHY?
BECAUSE HE IS SURE THAT HE WILL GET BETTER SERVICE THERE. AND HE DESERVES IT!
AS LONG AS POLAND WAS WORKING ITS WAY UP, THE LOWEST PRICE WAS THE MAIN PURCHASE CRITERIA. NOW THAT SOCIETY IS GROWING RICH – THE DEMANDS ARE ALSO INCREASING. FORBES 09/2012
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QUALITY
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QUALITY
CUSTOMER SERVICE QUALITY IN POLAND IS DEFINITELY GROWING. BIEDRONKA, LIDL, RAILWAY STATIONS, AIRPORTS, MOTORWAYS
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CHALLENGE?
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I HAVE A LOAN FROM GETIN BANK
I AM WITH GETIN BANK
BANK OFFERING PRODUCTS
MY BANK
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RECORD GROWTH
8 RECORD YEARS IN A ROW WITH VERY GOOD FINANCIAL PERFORMANCE
EFFICIENCY
NOW IT IS TIME TO REACH OUT FOR THE CUP AGAIN...
CUSTOMER SERVICE REGULAR CLIENTS
...BY WINNING IN A COMPETITION THAT IS NEW TO THE BANK
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THE MAIN GOALS FOR THE 2013–2015 STRATEGY
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THE MAIN OBJECTIVES FOR THE 2013–2015 STRATEGY
CHANGING THE BANK’S DNA
CHANGING THE BANK’S DNA Boosting customer service quality Adequate and transparent products Innovative solutions in client relations
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THE MAIN OBJECTIVES FOR THE 2013–2015 STRATEGY
CHANGING THE BANK’S DNA
EFFICIENCY OVER GROWTH
EFFICIENCY OVER GROWTH Making use of the bank’s position – one million active checking accounts Changed loan mix Technological jump and reinforced brand
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THE MAIN OBJECTIVES FOR THE 2013–2015 STRATEGY
CHANGING THE BANK’S DNA
EFFICIENCY OVER GROWTH
BANK GENERATING STABLE, RECURRING AND PREDICTABLE RESULTS
BANK GENERATING STABLE, RECURRING AND PREDICTABLE RESULTS Less pressure on the cost of funds Further decrease in the cost of risk Maintaining the risk appetite of new loan production
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TRANSFORMATION OF THE ORGANISATION
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TRANSFORMATION OF THE ORGANISATION
GOOD CUSTOMER SERVICE
ZERO TOLERANCE FOR UNETHICAL BEHAVIOUR
LI E C C U
TS O PR
D COMPREHENSIBLE
RESOURCEFULNESS
ES
ADEQUATE
A P N RO D TE CE D C H U N RE O LO S G Y
INNOVATIVE BUT PRACTICAL
YE O PL
THEY WILL NOT SELL ME SOMETHING THAT I DON’T REALLY NEED
N TS
NEW TARGETS TO ACHIEVE
EM
MY BANK
STATE-OF-THE-ART SOLUTIONS NEW POST-SALE SERVICE STRONG CRM COMPETENCES
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TRANSFORMATION OF THE ORGANISATION
22
19 10
2011
2012
2013
5
2014
FRIENDLY BANK IN NEWSWEEK’S RANKING
76%
3 2015
85%
90%
1000k
90% 460k
n/a 2011
800k
340k
2012
2013
2014
2015
AVERAGE RESULT OF MYSTERY SHOPPER RESEARCH
2011
2012
600k
2013
2014
2015
ACTIVE BANK ACCOUNTS
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WE ARE INTERESTED IN ACQUISITION OPPORTUNITIES
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WE ARE INTERESTED IN ACQUISITION OPPORTUNITIES
PURCHASE 2009
NOBLE SECURITIES (former Dom Maklerski Polonia NET S.A.) GMAC BANK POLAND
2010
ALLIANZ BANK POLAND
2011
LINK4 LIFE TUNŻ
SALE
POSSIBILITY OF FURTHER ACQUISITIONS WE HAVE HIGH COMPETENCES OPEN FINANCE TU EUROPA
CAPITAL INCREASE FOR BIG SCALE TRANSACTIONS
OPEN LIFE TUŻ (previously Link4 Life TUnŻ)
2012
DNB NORD (organised part of the enterprise)
IDEA BANK (former GMAC Bank Poland)
DEXIA KOMMUNALKREDIT BANK POLAND
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AGENDA Getin Noble Bank’s strategy assumptions and objectives Bank’s starting position Bank’s strategy
THE BANK WAS GROWING TWOFOLD FASTER THAN THE MARKET...
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THE BANK WAS GROWING TWOFOLD FASTER THAN THE MARKET...
