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K&H Bank

K&H Bank. K&H Group ’s market position and key strategy. John Hollows CEO. Budapest, 21 April 2004. c ontents. K&H Bank market position strategy of the Bank. snapshot I. 157 retail branches 19 corporate branches 3 800 staff 522 000 retail clients

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K&H Bank

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  1. K&H Bank K&H Group’s market position and key strategy John Hollows CEO Budapest, 21 April 2004

  2. contents • K&H Bank • market position • strategy of the Bank

  3. snapshot I. • 157 retail branches • 19 corporate branches • 3 800 staff • 522 000 retail clients • 70 000 corporate clients, 6 300 medium-sized companies

  4. snapshot II. • leading corporate bank • 2nd placed retail bank • 2nd placed bank (in terms of assets) • profits of EUR 70 million p.a. • ROE 17%

  5. K&H Bank network 157 branches

  6. K&H Group • K&H Asset Management withHUF 120 billion in assets under management, third largest player, 8.3% market share, wide range of funds • K&H Medicina Health Fund the first nationwide health fund operated by a bank • K&H Leasing Group with a portfolio of HUF 140 billion, 400 partners nationwide, second largest market player, 80,000 clients • K&H Life Insurance with a premium income of HUF 4 billion, 35,000 clients, comprehensive insurance services • K&H Equities a wide range of capital market services for domestic and foreign private, as well as corporate clients

  7. market share I. figures by assets 30 September 2003 HUF bln K&H Bank: IAS, consolidated datas; other banks: HAS, non-consolidated datas

  8. market share II. operating profit 30 September 2003 HUF bln K&H Bank: IAS, consolidated datas; other banks: HAS, non-consolidated datas

  9. ROE

  10. ROA

  11. SWOT analysis strengths • full service bank • corporate market leader • growing retail business • extensive network • strong performance since merger • strong profitability

  12. SWOT analysis weaknesses • reputation damaged • cost income weak • too reliant on Corporate • too many back offices systems • weak Corporate deposit growth • product driven • internal barriers

  13. SWOT analysis opportunities • expanding economy • strong shareholders • committed staff • loyal clients

  14. SWOT analysis threats • competition • banking consolidation • client expectations • regulator expectations

  15. mission statement By combining best international practice with sound local knowledge we aim to provide: • our clients with a distinctively modern banking service which begins with their needs and concludes with the delivery of effective solutions at competitive prices; • our staff with clear goals, strong leadership, transparent reward programs and attractive career path choices; and • our shareholders with growing and sustainable profitability at above average returns.

  16. strategy To fulfill our mission we are • developing a client needs approach to marketing and sales • drawing upon the resources of our shareholders to offer effective and modern client solutions • simplifying and rationalizing back office systems and procedures to improve efficiency and enhance control • seeking to achieve a better balance between Corporate and Retail contributions

  17. on top of my agenda • corporate governance • strategy implementation • credit risk • Leasing • systems (including K2)

  18. recent developments • balanced scorecard • investment advisers • Equities re-opens • executive retail committee

  19. concluding remarks • strong organic growth • building on past success • drawing on shareholder resources • client focus, values embedded • sound systems and controls • quality – earnings, growth, return

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