埃森哲-EXECOV韩国银行咨询报告(2)

埃森哲为韩国银行做的市场调查,和业务方向分析。全英文。

The Future: the case for change

While the past five years have been successful, Bank X’s future looks to be even more challenging. Bank X must find ways to grow without impacting its high productivity.Assets37,854 37,839 37,165 37,098 Korea Exchange Hanil Korea First Korea Development

32,771 31,901 31,721 Bank of Seoul 31,446 Korea Commercial

Cho Hung Kookmin

Target Large SizeShinhan Korea Housing

24,460 22,848 20,590

IBK

16,040

Hana '95

10,771 10,725 9,051 8,532 8,184 Dongwha 7,896 6,638 5,017 Hana '93

Hana '94 Boram

High Performance5.0% 7.0% 9.0% 11.0% 13.0% 15.0% 17.0% 19.0% 21.0% 23.0% 25.0% 25.100%

1.0%

3.0%

Source: Institutional Investor, 8/95

Performance (Return*Productivity) (Return=ROE, Productivy=Asset/Employee)7

ISP Project Executive Summary - February 15, 1995

埃森哲为韩国银行做的市场调查,和业务方向分析。全英文。

The Future: the case for change

Bank X current applications represent only 38%* of the applications it will need to lead in the future. Yet at the current pace of application building and IT expenditure, it may take 8-12 years to complete identified applications.

New Application DevelopmentPercent Com plete 39% 1994 1996 75% 100%

IT Spending0.70% 0.60% 0.50% 0.40% 0.30% 0.20% 0.10% 0.00% Hana Bank '94 Korean Banks U.S. Bank Average Citibank

Year Complete

1998 5 apps/yr (current) 2000 2002 2004 2006 10 apps/yr (proposed) Other Korean Bank

* Based on applications identified in ISP project

ISP Project Executive Summary - February 15, 1995

8

IT Exp./Assets

埃森哲为韩国银行做的市场调查,和业务方向分析。全英文。

The Future: the case for change

From a technology perspective, Bank X has no choice but to move forward or fall behind. New technologies such as p

arallel processing, data warehouse, decision support, and electronic banking are changing the competitive landscape.

Parallel Computing/ Remote Data Warehouse (1994) Computing (1991) Client/Server (1985) PC (1982) Traditional Computing (1960)ISP Project Executive Summary - February 15, 19959

Virtual Banking (1998)

埃森哲为韩国银行做的市场调查,和业务方向分析。全英文。

The Future: the case for change

But even if the future looks challenging, Bank X must maintain its focus on growth, profitability, and risk management. Indeed with this focus, Bank X may do more than survive, it could flourish. “The time has come when you will have to compete with the world s leading banking institutions...take the lead to sharpen international competitiveness” Kim Young Sam, 2/9/96 “1) Know our customer needs 2) Use information strategically 3) New specialized organizational structures 4) Offer new products 5) Strengthen profit & risk management” - President “Expanding the volume of deposits and customers” “Restructuring the information systems” “Pursuing profit oriented business strategy” “Building up the customer management system” “Establishing the efficient loan business supporting systems” - Business Activity Report 1/96ISP Project Executive Summary - February 15, 199510

埃森哲为韩国银行做的市场调查,和业务方向分析。全英文。

3. Strategic Application Projects

ISP Project Executive Summary - February 15, 1995

埃森哲为韩国银行做的市场调查,和业务方向分析。全英文。

Information Action Plan Overview

To support Bank X’s growth objectives, we recommend focusing IT resources on customer relationship, profitability management and risk management applications.

System StrategyRelationship Management Projects Customer management

Business Strategy400% 350% 300% 250% 200% 150% 100% 1996 1994 1998 2000

Sales and marketing Credit control Service Delivery Project New channel strategy

Deposits Customers Branch

Management and Control Projects

ALM & risk management Financial management Sales & marketing management Profitability management Treasury management International investment management Others (EDP organization and electronic office)

Recommendation 1: Focus systems development on new customer relationship, profitability management, and risk management applications.ISP Project Executive Summary - February 15, 199512

埃森哲为韩国银行做的市场调查,和业务方向分析。全英文。

Strategic Application Projects

We identified a number of key strategic responses to the external environment of the bank, covering Customers, Products, Channels and Operations. We have designed the strategic application projects to support these responses. Focus on mid-sized corporations Focus on middle-to-upper class individuals Satisfy buyer values, particularly competitive price Provide new products faster than competitors Deliver specialized products by customer segment & combined products

Customers Operations

Products

Channels

Develop specialists, especially in Commercial and International banking Establish efficient risk/return management process Apply systems support and

process improvements to improve productivity

Expand branches, in good positions in major Korean cities Diversify delivery channels including home banking, firm banking, telephone banking Establish infrastructure for internationalization focused on Asia

ISP Project Executive Summary - February 15, 1995

埃森哲为韩国银行做的市场调查,和业务方向分析。全英文。

Relationship Management Projects

The Customer Management and Sales & Marketing projects will provide the key systems to build relationships with the target mid-corporate customers and middle-to-upper class individuals, improve sales performance and productivity, and understand customer profitabi …… 此处隐藏：5633字，全部文档内容请下载后查看。喜欢就下载吧 ……