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Optimize Your Branch
Network in 8 Weeks
-------- Retain & expandRetain & expandRetain & expandRetain & expand existingexistingexistingexisting customercustomercustomercustomer
relationshipsrelationshipsrelationshipsrelationships
-------- GGGGrowrowrowrow customer base andcustomer base andcustomer base andcustomer base and traffic totraffic totraffic totraffic to
branchesbranchesbranchesbranches
-------- Engage customers in more servicesEngage customers in more servicesEngage customers in more servicesEngage customers in more services
-------- Best cBest cBest cBest communicateommunicateommunicateommunicate youryouryouryour brand throughbrand throughbrand throughbrand through
optimal locationsoptimal locationsoptimal locationsoptimal locations
DeliverablesDeliverablesDeliverablesDeliverables
optimize visibility,optimize visibility,optimize visibility,optimize visibility, effectivenesseffectivenesseffectivenesseffectiveness
direct communicationsdirect communicationsdirect communicationsdirect communications andandandand
customer engagementcustomer engagementcustomer engagementcustomer engagement at eachat eachat eachat each
branchbranchbranchbranch…………
MissionMissionMissionMission
Method:Method:Method:Method:
providprovidprovidprovideeee as muchas muchas muchas much mission-criticalmission-criticalmission-criticalmission-critical
knowledge as is available...knowledge as is available...knowledge as is available...knowledge as is available...
in as intuitive forms as possiblein as intuitive forms as possiblein as intuitive forms as possiblein as intuitive forms as possible
George Anderson:George Anderson:George Anderson:George Anderson: Expert Geo-Demographer - transforms dataExpert Geo-Demographer - transforms dataExpert Geo-Demographer - transforms dataExpert Geo-Demographer - transforms data
into knowledge & intelligence. 25 years in corporate retailinto knowledge & intelligence. 25 years in corporate retailinto knowledge & intelligence. 25 years in corporate retailinto knowledge & intelligence. 25 years in corporate retail
location strategy. Emphasis on retail banking.location strategy. Emphasis on retail banking.location strategy. Emphasis on retail banking.location strategy. Emphasis on retail banking.
Brian L. French:Brian L. French:Brian L. French:Brian L. French: Corporate Site Selection Specialist. Hundreds ofCorporate Site Selection Specialist. Hundreds ofCorporate Site Selection Specialist. Hundreds ofCorporate Site Selection Specialist. Hundreds of
assignments in dozens of countries. Process approach and expertassignments in dozens of countries. Process approach and expertassignments in dozens of countries. Process approach and expertassignments in dozens of countries. Process approach and expert
in business modelling. Facilitator of hundreds of corporatein business modelling. Facilitator of hundreds of corporatein business modelling. Facilitator of hundreds of corporatein business modelling. Facilitator of hundreds of corporate
strategic workshops.strategic workshops.strategic workshops.strategic workshops.
Howard Meier:Howard Meier:Howard Meier:Howard Meier: Commercial Real Estate guru. City developmentCommercial Real Estate guru. City developmentCommercial Real Estate guru. City developmentCommercial Real Estate guru. City development
plan analysis and valuation.plan analysis and valuation.plan analysis and valuation.plan analysis and valuation.
The ChallengeThe ChallengeThe ChallengeThe Challenge
... customers use branches for fewer services... customers use branches for fewer services... customers use branches for fewer services... customers use branches for fewer services
52%52%52%52% - bank on the web- bank on the web- bank on the web- bank on the web
12%12%12%12% ---- useuseuseuse ATMATMATMATMssss without entering branchwithout entering branchwithout entering branchwithout entering branch
3%3%3%3% ---- preferpreferpreferprefer phonephonephonephone bankingbankingbankingbanking
But...But...But...But...
Branches are more important than ever...Branches are more important than ever...Branches are more important than ever...Branches are more important than ever...
location clocation clocation clocation convenienceonvenienceonvenienceonvenience
remainsremainsremainsremains the primarythe primarythe primarythe primary
selection factor for financialselection factor for financialselection factor for financialselection factor for financial
services...services...services...services...
Improve, Expand and Extend:Improve, Expand and Extend:Improve, Expand and Extend:Improve, Expand and Extend:
. . . Recruit and Engage the Most. . . Recruit and Engage the Most. . . Recruit and Engage the Most. . . Recruit and Engage the Most
Valued Target Market SegmentsValued Target Market SegmentsValued Target Market SegmentsValued Target Market Segments
DEFINE SUCCESSDEFINE SUCCESSDEFINE SUCCESSDEFINE SUCCESS
ProfileProfileProfileProfile thethethethe
Top PerformersTop PerformersTop PerformersTop Performers
((((AlphasAlphasAlphasAlphas))))
Identify AlphasIdentify AlphasIdentify AlphasIdentify Alphas
Branch Performance DataBranch Performance DataBranch Performance DataBranch Performance Data
- Revenues / Costs- Revenues / Costs- Revenues / Costs- Revenues / Costs
- Member Transactions- Member Transactions- Member Transactions- Member Transactions
- Blind Staff Reviews- Blind Staff Reviews- Blind Staff Reviews- Blind Staff Reviews
- Member Satisfaction- Member Satisfaction- Member Satisfaction- Member Satisfaction
- Others?- Others?- Others?- Others?
"Blind" Ranking of Branches"Blind" Ranking of Branches"Blind" Ranking of Branches"Blind" Ranking of Branches
Find Success DriversFind Success DriversFind Success DriversFind Success Drivers
Map Local MarketMap Local MarketMap Local MarketMap Local Market
Area DemographicsArea DemographicsArea DemographicsArea Demographics
Member DemographicsMember DemographicsMember DemographicsMember Demographics
Business PopulationBusiness PopulationBusiness PopulationBusiness Population
Target SegmentsTarget SegmentsTarget SegmentsTarget Segments
Study ExternalitiesStudy ExternalitiesStudy ExternalitiesStudy Externalities
Local ConditionsLocal ConditionsLocal ConditionsLocal Conditions
State of Building & PremisesState of Building & PremisesState of Building & PremisesState of Building & Premises
AdjacenciesAdjacenciesAdjacenciesAdjacencies
R.E. Market & TrendsR.E. Market & TrendsR.E. Market & TrendsR.E. Market & Trends
Market ResearchMarket ResearchMarket ResearchMarket Research
Organize Customers in Segments (from 6 digit PCs)Organize Customers in Segments (from 6 digit PCs)Organize Customers in Segments (from 6 digit PCs)Organize Customers in Segments (from 6 digit PCs)
Organize Entire Market in SegmentsOrganize Entire Market in SegmentsOrganize Entire Market in SegmentsOrganize Entire Market in Segments
MapMapMapMap DDDDemographicemographicemographicemographic SegmentsSegmentsSegmentsSegments
Map CustomersMap CustomersMap CustomersMap Customers
Draw Tables & GraphsDraw Tables & GraphsDraw Tables & GraphsDraw Tables & Graphs
DetermineDetermineDetermineDetermine MMMMarketarketarketarket PPPPotentialotentialotentialotential & Opportunities& Opportunities& Opportunities& Opportunities
Map CMap CMap CMap Competitionompetitionompetitionompetition & M& M& M& Marketarketarketarket OOOOverlapsverlapsverlapsverlaps
Map allMap allMap allMap all SMEsSMEsSMEsSMEs by SICby SICby SICby SIC CCCCodeodeodeode & Size& Size& Size& Size
Profile Entire Branch MarketplaceProfile Entire Branch MarketplaceProfile Entire Branch MarketplaceProfile Entire Branch Marketplace
Market ShareMarket ShareMarket ShareMarket Share
Top Growth OpportunitiesTop Growth OpportunitiesTop Growth OpportunitiesTop Growth Opportunities
Map Market SegmentsMap Market SegmentsMap Market SegmentsMap Market Segments
Map Businesses / SMEsMap Businesses / SMEsMap Businesses / SMEsMap Businesses / SMEs
EXTENDEXTENDEXTENDEXTEND SUCCESSSUCCESSSUCCESSSUCCESS
BenchmarkBenchmarkBenchmarkBenchmark
&&&&
ModModModModuuuullllararararizeizeizeize
Extend the Alpha Model to AllExtend the Alpha Model to AllExtend the Alpha Model to AllExtend the Alpha Model to All
In/Ex-ternalitiesIn/Ex-ternalitiesIn/Ex-ternalitiesIn/Ex-ternalities
• Local ConditionsLocal ConditionsLocal ConditionsLocal Conditions
• Building ConditionBuilding ConditionBuilding ConditionBuilding Condition
• Floorplans and InteriorsFloorplans and InteriorsFloorplans and InteriorsFloorplans and Interiors
• AdjacenciesAdjacenciesAdjacenciesAdjacencies
• Real Estate Market ConditionsReal Estate Market ConditionsReal Estate Market ConditionsReal Estate Market Conditions
• Demographic TrendsDemographic TrendsDemographic TrendsDemographic Trends
• Capital Investment & OverheadsCapital Investment & OverheadsCapital Investment & OverheadsCapital Investment & Overheads
Move, Improve or MergeMove, Improve or MergeMove, Improve or MergeMove, Improve or Merge
1. Review Data
2. Identify & Priorize Changes
3. Plan / Create Process
4. Include Capital Costs in Model
5. Execute
ExpandExpandExpandExpand
Discover OpportunitiesDiscover OpportunitiesDiscover OpportunitiesDiscover Opportunities
1. Pockets of target segment clusters
2. Empty spaces
3. Exceptions & Why
4. Convenience preferences
5. Collaborate with others
Expand - Empty SpacesExpand - Empty SpacesExpand - Empty SpacesExpand - Empty Spaces
OptionsOptionsOptionsOptions
1.1.1.1. Review KnowledgeReview KnowledgeReview KnowledgeReview Knowledge
2.2.2.2. Facilitated Group WorkshopFacilitated Group WorkshopFacilitated Group WorkshopFacilitated Group Workshop
3.3.3.3. Conclusions on FormatConclusions on FormatConclusions on FormatConclusions on Format
PrioritiesPrioritiesPrioritiesPriorities
4.4.4.4. Identify Hub/SpokeIdentify Hub/SpokeIdentify Hub/SpokeIdentify Hub/Spoke
PrototypesPrototypesPrototypesPrototypes
5.5.5.5. ConsiderConsiderConsiderConsider "Jewel-Boxes""Jewel-Boxes""Jewel-Boxes""Jewel-Boxes"
6.6.6.6. ApplyApplyApplyApply "Way-"Way-"Way-"Way-
findingfindingfindingfinding““““ TechniquesTechniquesTechniquesTechniques
Design & Select PrototypesDesign & Select PrototypesDesign & Select PrototypesDesign & Select Prototypes
Review and Select Alpha Prototypes for ModelReview and Select Alpha Prototypes for ModelReview and Select Alpha Prototypes for ModelReview and Select Alpha Prototypes for Model
Hub, Spoke/ Jewel Box Based on Data andHub, Spoke/ Jewel Box Based on Data andHub, Spoke/ Jewel Box Based on Data andHub, Spoke/ Jewel Box Based on Data and
Profiled With Demographic SegmentsProfiled With Demographic SegmentsProfiled With Demographic SegmentsProfiled With Demographic Segments
TIME LINETIME LINETIME LINETIME LINE
CONTACTCONTACTCONTACTCONTACT
Brian L. FrenchBrian L. FrenchBrian L. FrenchBrian L. French
Principal & PartnerPrincipal & PartnerPrincipal & PartnerPrincipal & Partner
Realciprocity Advisors Inc.Realciprocity Advisors Inc.Realciprocity Advisors Inc.Realciprocity Advisors Inc.
21 St. Clair Avenue East,21 St. Clair Avenue East,21 St. Clair Avenue East,21 St. Clair Avenue East,
Suite 1201Suite 1201Suite 1201Suite 1201
Toronto, Ontario M4T 1L9Toronto, Ontario M4T 1L9Toronto, Ontario M4T 1L9Toronto, Ontario M4T 1L9
416.803.5301416.803.5301416.803.5301416.803.5301
brianfrench@realciprocity.combrianfrench@realciprocity.combrianfrench@realciprocity.combrianfrench@realciprocity.com

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Bank Branch Network Reorganization and Optimization proram

  • 2. -------- Retain & expandRetain & expandRetain & expandRetain & expand existingexistingexistingexisting customercustomercustomercustomer relationshipsrelationshipsrelationshipsrelationships -------- GGGGrowrowrowrow customer base andcustomer base andcustomer base andcustomer base and traffic totraffic totraffic totraffic to branchesbranchesbranchesbranches -------- Engage customers in more servicesEngage customers in more servicesEngage customers in more servicesEngage customers in more services -------- Best cBest cBest cBest communicateommunicateommunicateommunicate youryouryouryour brand throughbrand throughbrand throughbrand through optimal locationsoptimal locationsoptimal locationsoptimal locations DeliverablesDeliverablesDeliverablesDeliverables
  • 3. optimize visibility,optimize visibility,optimize visibility,optimize visibility, effectivenesseffectivenesseffectivenesseffectiveness direct communicationsdirect communicationsdirect communicationsdirect communications andandandand customer engagementcustomer engagementcustomer engagementcustomer engagement at eachat eachat eachat each branchbranchbranchbranch………… MissionMissionMissionMission
  • 4. Method:Method:Method:Method: providprovidprovidprovideeee as muchas muchas muchas much mission-criticalmission-criticalmission-criticalmission-critical knowledge as is available...knowledge as is available...knowledge as is available...knowledge as is available... in as intuitive forms as possiblein as intuitive forms as possiblein as intuitive forms as possiblein as intuitive forms as possible
  • 5. George Anderson:George Anderson:George Anderson:George Anderson: Expert Geo-Demographer - transforms dataExpert Geo-Demographer - transforms dataExpert Geo-Demographer - transforms dataExpert Geo-Demographer - transforms data into knowledge & intelligence. 25 years in corporate retailinto knowledge & intelligence. 25 years in corporate retailinto knowledge & intelligence. 25 years in corporate retailinto knowledge & intelligence. 25 years in corporate retail location strategy. Emphasis on retail banking.location strategy. Emphasis on retail banking.location strategy. Emphasis on retail banking.location strategy. Emphasis on retail banking. Brian L. French:Brian L. French:Brian L. French:Brian L. French: Corporate Site Selection Specialist. Hundreds ofCorporate Site Selection Specialist. Hundreds ofCorporate Site Selection Specialist. Hundreds ofCorporate Site Selection Specialist. Hundreds of assignments in dozens of countries. Process approach and expertassignments in dozens of countries. Process approach and expertassignments in dozens of countries. Process approach and expertassignments in dozens of countries. Process approach and expert in business modelling. Facilitator of hundreds of corporatein business modelling. Facilitator of hundreds of corporatein business modelling. Facilitator of hundreds of corporatein business modelling. Facilitator of hundreds of corporate strategic workshops.strategic workshops.strategic workshops.strategic workshops. Howard Meier:Howard Meier:Howard Meier:Howard Meier: Commercial Real Estate guru. City developmentCommercial Real Estate guru. City developmentCommercial Real Estate guru. City developmentCommercial Real Estate guru. City development plan analysis and valuation.plan analysis and valuation.plan analysis and valuation.plan analysis and valuation.
  • 6. The ChallengeThe ChallengeThe ChallengeThe Challenge
  • 7. ... customers use branches for fewer services... customers use branches for fewer services... customers use branches for fewer services... customers use branches for fewer services 52%52%52%52% - bank on the web- bank on the web- bank on the web- bank on the web 12%12%12%12% ---- useuseuseuse ATMATMATMATMssss without entering branchwithout entering branchwithout entering branchwithout entering branch 3%3%3%3% ---- preferpreferpreferprefer phonephonephonephone bankingbankingbankingbanking
  • 8. But...But...But...But... Branches are more important than ever...Branches are more important than ever...Branches are more important than ever...Branches are more important than ever... location clocation clocation clocation convenienceonvenienceonvenienceonvenience remainsremainsremainsremains the primarythe primarythe primarythe primary selection factor for financialselection factor for financialselection factor for financialselection factor for financial services...services...services...services...
  • 9. Improve, Expand and Extend:Improve, Expand and Extend:Improve, Expand and Extend:Improve, Expand and Extend: . . . Recruit and Engage the Most. . . Recruit and Engage the Most. . . Recruit and Engage the Most. . . Recruit and Engage the Most Valued Target Market SegmentsValued Target Market SegmentsValued Target Market SegmentsValued Target Market Segments
  • 10. DEFINE SUCCESSDEFINE SUCCESSDEFINE SUCCESSDEFINE SUCCESS ProfileProfileProfileProfile thethethethe Top PerformersTop PerformersTop PerformersTop Performers ((((AlphasAlphasAlphasAlphas))))
  • 11. Identify AlphasIdentify AlphasIdentify AlphasIdentify Alphas Branch Performance DataBranch Performance DataBranch Performance DataBranch Performance Data - Revenues / Costs- Revenues / Costs- Revenues / Costs- Revenues / Costs - Member Transactions- Member Transactions- Member Transactions- Member Transactions - Blind Staff Reviews- Blind Staff Reviews- Blind Staff Reviews- Blind Staff Reviews - Member Satisfaction- Member Satisfaction- Member Satisfaction- Member Satisfaction - Others?- Others?- Others?- Others? "Blind" Ranking of Branches"Blind" Ranking of Branches"Blind" Ranking of Branches"Blind" Ranking of Branches
  • 12. Find Success DriversFind Success DriversFind Success DriversFind Success Drivers Map Local MarketMap Local MarketMap Local MarketMap Local Market Area DemographicsArea DemographicsArea DemographicsArea Demographics Member DemographicsMember DemographicsMember DemographicsMember Demographics Business PopulationBusiness PopulationBusiness PopulationBusiness Population Target SegmentsTarget SegmentsTarget SegmentsTarget Segments Study ExternalitiesStudy ExternalitiesStudy ExternalitiesStudy Externalities Local ConditionsLocal ConditionsLocal ConditionsLocal Conditions State of Building & PremisesState of Building & PremisesState of Building & PremisesState of Building & Premises AdjacenciesAdjacenciesAdjacenciesAdjacencies R.E. Market & TrendsR.E. Market & TrendsR.E. Market & TrendsR.E. Market & Trends
  • 13. Market ResearchMarket ResearchMarket ResearchMarket Research Organize Customers in Segments (from 6 digit PCs)Organize Customers in Segments (from 6 digit PCs)Organize Customers in Segments (from 6 digit PCs)Organize Customers in Segments (from 6 digit PCs) Organize Entire Market in SegmentsOrganize Entire Market in SegmentsOrganize Entire Market in SegmentsOrganize Entire Market in Segments MapMapMapMap DDDDemographicemographicemographicemographic SegmentsSegmentsSegmentsSegments Map CustomersMap CustomersMap CustomersMap Customers Draw Tables & GraphsDraw Tables & GraphsDraw Tables & GraphsDraw Tables & Graphs DetermineDetermineDetermineDetermine MMMMarketarketarketarket PPPPotentialotentialotentialotential & Opportunities& Opportunities& Opportunities& Opportunities Map CMap CMap CMap Competitionompetitionompetitionompetition & M& M& M& Marketarketarketarket OOOOverlapsverlapsverlapsverlaps Map allMap allMap allMap all SMEsSMEsSMEsSMEs by SICby SICby SICby SIC CCCCodeodeodeode & Size& Size& Size& Size
  • 14. Profile Entire Branch MarketplaceProfile Entire Branch MarketplaceProfile Entire Branch MarketplaceProfile Entire Branch Marketplace
  • 15. Market ShareMarket ShareMarket ShareMarket Share
  • 16. Top Growth OpportunitiesTop Growth OpportunitiesTop Growth OpportunitiesTop Growth Opportunities
  • 17. Map Market SegmentsMap Market SegmentsMap Market SegmentsMap Market Segments
  • 18. Map Businesses / SMEsMap Businesses / SMEsMap Businesses / SMEsMap Businesses / SMEs
  • 20. Extend the Alpha Model to AllExtend the Alpha Model to AllExtend the Alpha Model to AllExtend the Alpha Model to All
  • 21. In/Ex-ternalitiesIn/Ex-ternalitiesIn/Ex-ternalitiesIn/Ex-ternalities • Local ConditionsLocal ConditionsLocal ConditionsLocal Conditions • Building ConditionBuilding ConditionBuilding ConditionBuilding Condition • Floorplans and InteriorsFloorplans and InteriorsFloorplans and InteriorsFloorplans and Interiors • AdjacenciesAdjacenciesAdjacenciesAdjacencies • Real Estate Market ConditionsReal Estate Market ConditionsReal Estate Market ConditionsReal Estate Market Conditions • Demographic TrendsDemographic TrendsDemographic TrendsDemographic Trends • Capital Investment & OverheadsCapital Investment & OverheadsCapital Investment & OverheadsCapital Investment & Overheads
  • 22. Move, Improve or MergeMove, Improve or MergeMove, Improve or MergeMove, Improve or Merge 1. Review Data 2. Identify & Priorize Changes 3. Plan / Create Process 4. Include Capital Costs in Model 5. Execute
  • 23. ExpandExpandExpandExpand Discover OpportunitiesDiscover OpportunitiesDiscover OpportunitiesDiscover Opportunities 1. Pockets of target segment clusters 2. Empty spaces 3. Exceptions & Why 4. Convenience preferences 5. Collaborate with others
  • 24. Expand - Empty SpacesExpand - Empty SpacesExpand - Empty SpacesExpand - Empty Spaces
  • 25. OptionsOptionsOptionsOptions 1.1.1.1. Review KnowledgeReview KnowledgeReview KnowledgeReview Knowledge 2.2.2.2. Facilitated Group WorkshopFacilitated Group WorkshopFacilitated Group WorkshopFacilitated Group Workshop 3.3.3.3. Conclusions on FormatConclusions on FormatConclusions on FormatConclusions on Format PrioritiesPrioritiesPrioritiesPriorities 4.4.4.4. Identify Hub/SpokeIdentify Hub/SpokeIdentify Hub/SpokeIdentify Hub/Spoke PrototypesPrototypesPrototypesPrototypes 5.5.5.5. ConsiderConsiderConsiderConsider "Jewel-Boxes""Jewel-Boxes""Jewel-Boxes""Jewel-Boxes" 6.6.6.6. ApplyApplyApplyApply "Way-"Way-"Way-"Way- findingfindingfindingfinding““““ TechniquesTechniquesTechniquesTechniques
  • 26. Design & Select PrototypesDesign & Select PrototypesDesign & Select PrototypesDesign & Select Prototypes Review and Select Alpha Prototypes for ModelReview and Select Alpha Prototypes for ModelReview and Select Alpha Prototypes for ModelReview and Select Alpha Prototypes for Model Hub, Spoke/ Jewel Box Based on Data andHub, Spoke/ Jewel Box Based on Data andHub, Spoke/ Jewel Box Based on Data andHub, Spoke/ Jewel Box Based on Data and Profiled With Demographic SegmentsProfiled With Demographic SegmentsProfiled With Demographic SegmentsProfiled With Demographic Segments
  • 27. TIME LINETIME LINETIME LINETIME LINE
  • 28. CONTACTCONTACTCONTACTCONTACT Brian L. FrenchBrian L. FrenchBrian L. FrenchBrian L. French Principal & PartnerPrincipal & PartnerPrincipal & PartnerPrincipal & Partner Realciprocity Advisors Inc.Realciprocity Advisors Inc.Realciprocity Advisors Inc.Realciprocity Advisors Inc. 21 St. Clair Avenue East,21 St. Clair Avenue East,21 St. Clair Avenue East,21 St. Clair Avenue East, Suite 1201Suite 1201Suite 1201Suite 1201 Toronto, Ontario M4T 1L9Toronto, Ontario M4T 1L9Toronto, Ontario M4T 1L9Toronto, Ontario M4T 1L9 416.803.5301416.803.5301416.803.5301416.803.5301 brianfrench@realciprocity.combrianfrench@realciprocity.combrianfrench@realciprocity.combrianfrench@realciprocity.com