29 October 2012

Business Plan 2013

Davao Rizal Branch 194

EXECUTIVE SUMMARY
OBJECTIVES AND GOALS:
This Business Plan is a guide to achieve the specific goals set by the upper management of the bank. This provides the plans and programs of the branch head to clearly present the course of action given the present business conditions of the branch's trading area based on the branch's present business resources.

SPECIFIC GOAL: Increase deposits, particularly lowcosts, sustain growth, monitor accomplishments in accordance of the Key Result Areas and provide feedback mechanism.

BRANCH HISTORY AND PROFILE

Davao Rizal Branch opened last November 9, 2006 and situated on corner streets of Rizal and Pelayo Streets of the city. This is located at the heart of the old down town city where the early businesses started. The branch at present has sixteen officers and staff manning it with banking hours of 9am to 6pm and with a Saturday Banking. Davao San Pedro Branch was recently consolidated with Davao Rizal Branch last September 27, 2012. Peso CASA posted a level of P600M; FCD level at USD2.5M and with a total fund level of estimated P1.2B.

TRADING AREA AND MARKET ANALYSIS

Within the 800-meter radius of the branch's trading area are various financial institutions like Banks and pawnshops. Department stores, general merchandisers, appliance stores, schools, hospitals, hotels, churches, restaurants and known fast food chains are easily within walking distance from the branch. The city hall where the city government holds office is two blocks away; likewise the biggest public market where all the public utility jeepney routes are available is also two blocks away on the other side. Private offices of lawyers, doctors, realtors, and other professions are are located within the commercial buildings of San Pedro, Pichon and Pelayo Streets. Noticeable foot traffic is present because the branch is situated near the sakayan bound to the southern part of the city. Tourists and foreigners are always seen along the Rizal Street because it is considered as one of the gimmick destinations or better known as the party street of the city.

DAVAO-RIZAL CLIENTELE BASED SEGMENTATION

Trading and General Merchandising 19% 3%

30%

Production and Export Lending and Financing

10%

Real Estate and Construction 18% 20% Logistics and Related Services

Others

S-W-O-T

PLANS AND PROGRAMS / MARKETING STRATEGIES

A. Apply the PARETO Principle or the 80-20 rule How?

1. Identify the top 20% clients of the branch, or generate the list of top 100 clients Identify the need for additional business, know their businesses more and schedule client calls for business relationship developments

market for commercial loans, consumer loans, high cost placements, cash management services etc.

PLANS AND PROGRAMS / MARKETING STRATEGIES

2. Classify the next 50% of the remaining 80% - usually these clients have several other banks, find ways, identify the need for additional business, the goal is we become their lead bank involve the marketing officer
3. Involve your team and provide incentives the second 50% of the remaining 80% are usually clients with ADBs of P50K to P100K market for credit cards and personal loans, generate the list

PLANS AND PROGRAMS / MARKETING STRATEGIES

D. Find friends and distant relatives, they may be the connections to big corporations and businesses and ask for referrals. Because we cannot just barge in, should have at least know someone from the inside holding key position of these big corporations.

E.

Be updated of what is new and the trend within the trading area for new businesses and on-going construction, and pay a visit.
Take advantage of the bank's support units, schedule joint client calls with prospects/potential clients with these account officers.

F.

G. Lastly, know the enemy and study. Competition is stiff. Should always be two steps ahead.

BRANCH MANAGEMENT SUMMARY

DAVAO-RIZAL BRANCH BUSINESS MODULE/STRUCTURE
Branch Head

Marketing Officer

Branch Cashier 1

Branch Cashier 2(temp)

Branch Accountant AA2

(pool)

MA1

MA2

MA3

AA1

T1

T2

T3

T4

G1

G2

G3

RECOMMENDATIONS AND PLAN OF ACTIONS

Address immediate concerns Weaknesses and Threats:

on

the

branchs

Follow-up on the proposed lay-out for the minor expansion of the lobby. Assign Cashier to lobby traffic Review plantilla, workload distribution and prepare the transaction volume report as justification for the request of additional personnel intensify internal control and ensure that correct processes and procedures are followed promote the team spirit and schedule productive branch monthly meetings and outings

Thank you for listening.

Prepared by Ms Grace G. Panuncialman