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

CONTENTS
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CONTENTS
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PREFACE
FOREWORD
SUMMARY OF KEY FINDINGS
PART I – IMPORTANCE OF MICRO BUSINESS – HIGH POTENTIAL WITH SEVERAL QUESTION MARKS
Macroeconomic overview of micro businesses in the EU
Attractiveness and growth potential of the micro segment for CEE banks
Banking definition of micros
Summary of key challenges
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PART II – MICRO STRATEGIES – ELABORATING SEGMENTATION AND SERVICE MODEL
Maturity of micro strategies – Huge deviations among the interviewed banks
Targeted positioning – Competition via unique service level
Segmentation – The core element of the whole micro strategy
Service model – The cost-to-serve driver
Regional micro approaches in CEE
Organizational relations of the micro segment management
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PART III – RISK MANAGEMENT – MANAGING RISK COST WITH FAST PROCESSES
Challenges of micro risk management
Solution depending on the applied segmentation
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PART IV – CROSS-SEGMENT OFFERING – UTILIZING THE LINK OF BUSINESS AND PERSONAL NEEDS
Analysis of the status quo
Coverage models and recommendations for CEE banks
Coverage model alternatives
Life-cycle differentiations
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PART V – SUMMARY – RECOMMENDATIONS AND FORECAST
Recommendations for "micro committed" banks
Dos and don'ts
Forecast
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METHODOLOGY AND SCOPE OF THE STUDY
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