Cost reduction in the European Banking sector - Roland Berger
Cost reduction in the European Banking sector - Roland Berger
Cost reduction in the European Banking sector - Roland Berger
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Bank<strong>in</strong>g_cost_<strong>reduction</strong>_FINAL_270712.pptx<br />
21<br />
6<br />
REFOCUS FOOTPRINT<br />
Expect off-shor<strong>in</strong>g, outsourc<strong>in</strong>g, carve-out, sp<strong>in</strong>-off to be high on<br />
CEO agenda<br />
Type of carve-out model<br />
MODEL<br />
Competence<br />
shar<strong>in</strong>g Sourc<strong>in</strong>g<br />
optimization<br />
DESCRIPTION<br />
> A bank leverages technical know how of<br />
an IT/ vendor partner<br />
> Industrial JV with access to cheaper<br />
resources<br />
EXAMPLE<br />
> IT Infrastructure<br />
> Retail bank<strong>in</strong>g services<br />
Outsourc<strong>in</strong>g<br />
to a Third Party<br />
Volume<br />
Consolidation<br />
Commercial JV<br />
: High<br />
: Low<br />
> A bank sells its assets and teams to a<br />
provider benefitt<strong>in</strong>g from scale effect<br />
> <strong>Cost</strong>s variabilization and access to best of<br />
breed systems and processes<br />
> Two bank<strong>in</strong>g groups jo<strong>in</strong>t forces to share<br />
large volumes<br />
> Scale effect / Investment shar<strong>in</strong>g<br />
> A bank carves-out a BO with a service<br />
provider that markets <strong>the</strong> service to banks<br />
> Banks br<strong>in</strong>gs bus<strong>in</strong>ess competence, partner<br />
provides <strong>in</strong>dustrialisation and commercial<br />
knowhow<br />
> Investor Services (SS, AM, Insurance)<br />
> Support functions<br />
> IT Ma<strong>in</strong>tenance<br />
> Investor Services<br />
> Payment (post-paid)<br />
> Consumer F<strong>in</strong>ance<br />
> Structured F<strong>in</strong>ance<br />
> Capital Markets<br />
> Payment (pre-paid)<br />
Monte Paschi di Senna just announced <strong>the</strong> outsourc<strong>in</strong>g of its entire Back-Office
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