Retail Banking in CEE: Exploiting the Potential of ... - Roland Berger

MICRO STRATEGIES – ELABORATING SEGMENTATION AND SERVICE MODEL 25
REGIONAL MICRO APPROACHES IN CEE
In the CEE region, banks tend to increase their central (regional) control and to invest
into best-practice elaboration and standardization. Three years ago, best practices were
not collected, local banks had their own segmentations and service models, while first
standardized reporting required standardized segment definitions and later best-practice
sharing. The centralization process is still ongoing as only 40% of the examined banks
have already collected the micro best practices (see fig. 21).
In CEE, standardized reporting
became usual, while best-practice
model elaborations and roll-outs are
still rare
Source: Roland Berger Strategy Consultants
ORGANIZATIONAL RELATIONS OF THE MICRO SEGMENT MANAGEMENT
Various banks reviewed their organizational setup of the micro segment and realized
that micro businesses belong to Corporate from a legal point of view but are completely
heterogeneous concerning business need, risk assessment and service demand. The
result of these reviews is that separated SME divisions are getting more popular, especially
in banks that are committed to focus on micros in the upcoming years (see
fig. 22).
Micros were often moved from
Corporate to Retail and SME divisions
while the number of separated
SME divisions has increased
Source: Roland Berger Strategy Consultants