presentaciónbb
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TRANSCRIPT
BANKING
Cristina Barciona
Danitza Ibarra
Ma. Fernanda López
Andrea Velasco
Carlos Reyes
MISSION
To contribute to the development of the society in which it works.
To contribute to the individuals in general, and to our customers in particular: their well being, growth, success in their lives, and particularly in their economic and financial matters.
COMPANY PROFILE
• It was founded in the 80’s. For the first ten years, the company remains as a small bank
• 90's: financial system in Ecuador collapsed Banco Bolivariano has survived.
• Aggressive advertising campaign.
• 36 offices in 10 Provinces.• One of the most stable banks in Ecuador.• Four main business services are: Corporate, Enterprise & Personal Accounts and Consultancy to customer in different types of investments.
PRODUCTS AND SERVICES
Orders of debits
• Automatic teller machine
• Traveler's checks
• Credit cards
• 24 online
Payment of obligations and services trough the internet such as:
- Electric energy bills,
- Water,
- Telephone and
- School fees.
CREDIT CARDS
• Visa BB National,
• International,
• Gold and Groups of Affinity, • Business Card
24
online
24
online
E-CARD
Benefits:
• Exclusive
• Secure
• Without cost
• Availability and Privacy
ADVERTISING AND MARKETING
Marketing Philosophy
It is not concerned with increasing sales, but more with the brand image, that the bank wants to present to the public.
Target (Credit card)
Between 25 to 65 years old, middle-upper class, monthly salary.
Media
TV, radio, newspaper, magazines, internet and direct mail.
LOGO AND SLOGAN
FINANCIAL ANALYSIS
Fourth biggest bank.
Ratios:
Rate of return
Show us how much we gain with every dollar invested in the company.
Industry average = 2.33% Net earnings = 3.7% Capital
For each dollar invested 4 cents 0
Confidence rate
Measures the efficiency of collecting loans and other accounts receivable
Overdue bank accounts =1.6%
Total bank accounts
Industry average = 12.39%
First place of the system, good credit line analysis, seven times better than the industry average.
Efficiency rate
Measures the management’s efficiency.
Productive assets = 95.9%
Payables
Industry average = 64.11%
It occupies the sixth position under banks like Produbanco, Lloyds and Citibank.
Liquidity rate
Shows the bank’s availability to pay its short term debt.
Available Funds = 54.8%
Deposits until 90 days
Industry average = 29.78%
Bank has 0.85 dollars in cash accounts to cover each dollar of its short term debts.
Strengths- Excellent marketing campaign.- Professional and
highly qualified employees.- Is one of the few
trust.- Is a survivor.
Opportunities
- Neglected Market.
Weaknesses
- Less years than the competitors in the
market.
Threats- Instability of the
Industry.- Risk of the country.- Distrust of the
clients- High participation of
the government
S.W.O.T. ANALYSIS
CONCLUSIONS
Great opportunity to practice the methods and skills that we have learned.
It was very difficult to collect the information from the bank, because most information is confidential.
We have learned a lot about how a financial institution works and how they promote their image.
Thank you for Thank you for your time.your time.
Any Questions?Any Questions?