SL.

ITEM
1 Population (Income >6000 $)
2 Card penetration
% Penetration
3 Potential Market Size
Potential Market Size (RANK)
4 Growth Rate (%)
Growth Rate (Ranking)
5 Political / Economic Risk
6 Others

UNIT

AUS

MN
MN
MN

HK

INDIA

13.20
9.98
75.57
3.23

4.76
1.80
37.82
2.96

4
8
A

7.3
5
B

Mkt Saturated

Citi Present

INDONESIA

40.00
0.08
0.21
39.92
1
9.7
3
C

11.76
0.07
0.61
11.69
4.8
7
C

Large Mkt
Low Penetration

7 Recommendation

NO

NO

YES(1)

YES(3)

MALAYSIA

PHILLIPINES

5.95
0.38
6.39
5.57
8.1
4
B
Many Options

S'PORE

18.60
0.24
1.29
18.36
2
6.8
6
D
- High Pol Risk

TAIWAN

0.54
0.54
100.00
0.00
11
1
B
- Saturated

+ Revolve Cr

THAILAND

15.50
0.10
0.65
15.40
3
7.3
5
A

13.75 > Premium

0.16 > Urban Mkt
1.15
13.59 > Income Cut off >$ 6000 pa
4
10.8
2
B

- Debt considered
BAD

- Pol. Uncert
NO

NO

NO

NO

YES(2)

BREAK EVEN ANLYSIS - INDIA

SL.
ITEM

UNIT

1 Population (Income >6000 $)

2 Card penetration
% Penetration
3 Potential Market Size

MN
MN

1 New Membership Target

Cumulative Membership

No
No

MN

INDIA
YR 1

INDIA
YR 2

40.00
0.08
0.21
39.92
250,000
250,000

250,000
500,000
22
5
27
21
12.50
34

Avg Revenue (1/8 of HK)

Annual Fee @ USD 10
Total Revenue

USD
MN

20
3
23

Variable Cost @ USD 85

Variable Infra Cost
Total Variable Cost

MN

21

Margin

Mn

Fixed Cost
Infrastructure
Advertisement
Total

Mn
Mn

Variable Cost
Acquisition Cost
Welcome Kit
Total

21

USD
USD
USD

Channel
Dmail
Take Ones
Direct Sales
Bind Ins

-7

15000000
6250000

15000000
6250000

21250000
21.25
2.5
35
58.75

21250000
21.25
2.5
47.5
71.25

35
1.6
36.6

60
25
85
1000000

Ads
Liabilities
Expenses
Acquisition Cost

1
-35

Unit Cost

Reach
1.5
0.25
7.2
0.15

Respone Rate
300000
2000000
30000
3000000

0.02
0.015
0.5
0.01

INDIA
YR 3

INDIA
YR 4

INDIA
YR 5

250,000
750,000

250,000
1,000,000

250,000
1,250,000

24
8
32

26
10
36

28
13
41

21
12.50
34

21
12.50
34

21
12.50
34

-2

15000000
6250000

15000000
6250000

15000000
6250000

21250000
21.25
2.5
85
108.75

21250000
21.25
2.5
120
143.75

21250000
21.25
2.5
155
178.75

561.25

No. of responsesQualified
Acquisition
Total Cost
6000
4000
3200
450000
30000
10000
8000
500000
15000
10000
8000
216000
30000
10000
8000
450000
34000
27200 1616000
Per Member Cost
59.41176

Table A(203)
Customer Acquisition Cost
Unit
Prospectus
Response Response
Reached
Total Cost rate
Number
Channel Cost($)
DM
1.5
300000
450000
2%
6000.00
TO
0.25
2000000
500000
1.5 30000.00
DS
18000
30000
18000
50 15000.00
BI
0.15
3000000
450000
1 30000.00
1418000
81000.00
Acquisition Cost Per Converted Customers
Advertisement Cost
Cost Table
No:of Cards 1313351
FC
35000000
VC/card
25

Qualified Converted
People
Customers
4000.00
3200
10000.00
8000
10000.00
8000
10000.00
8000
34000.00
27200

52.132353
1600000

FC Inc
12500000
500000
750000 1000000 1250000
47500000 60000000 72500000 85000000
25
25
25
7

Mem Fees

Assumption: Annual membership fees of 75Rs, Other revenue as 40% of total membership fees c
No of Cards
Total Acq Cost
Total Var Cost
Fixed Cost
Adv Cost
Total Cost
Total mem Fees
Other revenue(@40%)
Total Revenue
Profit

1313350.923
68468074
32833773.09
35000000
1600000
137901847
98501319
39400528
137901847
0

BEP@no of cards

1313351

HongKong(HK) Market Analysis(Given)

Total Revenue 162.65
116.46
Int
46.19
Int %
28.3984 39.66169

75

as 40% of total membership fees comparing with HK.

116.46
46.584
163.044