Growth strategies in retail banking Study - Roland Berger

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LJUBLJANA PRAGUE BELGRAD TALLINN RIGA VILNIUS WARSAW BRATISLAVA BUDAPEST ZAGREB ZAGREB BUCHAREST SOFIA C. Potential development of Croatian retail banking VIE-1789-90000-017-415 32
Growth in retail lending is expected to slow down, driven more by mortgage than consumer lending Outstanding retail loans [EUR m] CAGR Retail lending % GDP Mortage Consumer 24,0% 5,787 1,661 4,126 2002 28,5% 7,190 2,202 4,988 2003 Source: CEE Banking Sector Report 2005 20% 17% 31,5% 8,533 2,797 5,736 37,8% 11,022 3,543 7,479 2004 2005E 44,2% 12,895 4,145 8,750 2006E Comments Mortgage loans account for only 32% of retail loans in Croatia, while in the EU the percentage 80% Consumer finance boom fueled by strong demand for durables is expected to slow down due to restrictive National Bank measures, market saturation on certain segments, slow down in white goods demand VIE-1789-90000-017-415 33
Page 1 and 2: LJUBLJANA BELGRADE PRAGUE TALLINN R
Page 3 and 4: LJUBLJANA PRAGUE BELGRAD TALLINN RI
Page 5 and 6: Bank privatization is almost comple
Page 7 and 8: A second wave of M&A activities is
Page 9 and 10: Croatia is the leading CEE country
Page 11 and 12: Shrinking margins will force banks
Page 13 and 14: CEE banking markets are selling mar
Page 15 and 16: STRATEGY Most banks offer universal
Page 17 and 18: STRATEGY EXAMPLE Lukas bank of Pola
Page 19 and 20: STRATEGY EXAMPLE Polish credit unio
Page 21 and 22: STRATEGY EXAMPLE GE Money exploits
Page 23 and 24: DISTRIBUTION Alternative distributi
Page 25 and 26: DISTRIBUTION 10% of all mortgage lo
Page 27 and 28: DISTRIBUTION PKO BP, the large savi
Page 29 and 30: MARKETING AND SALES EFFECTIVENESS L
Page 31: MARKETING AND SALES EFFECTIVENESS V
Page 35 and 36: Branch density is at par with matur
Page 37 and 38: Credit cards and mortgages will be
Page 39: Roland Berger Strategy Consultants

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