New Participants and Banking Competitors: The BancoEstado Case
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1 New Participants and Banking Competitors: The BancoEstado Case
2 About Chile Total estimated population 17,819,054 Inh. Source: INE Population Projection 2014 Gini Coefficient 50,8 Source: World Bank, 2011 Per capita GDP US$ Source: IMF (Estimated ppp: purchasing power parity) Banking services accessibility: 58% of all adults has at least one debit card. December 2012 At September 2014, mobile subscribers totalled per every 100 inhabitants. 76.9% of internet accesses are mobile, principally smartphones. Source: Ministry of Transport and Telecommunications: Telecommunication Subsecretaryship December 2014 Chile is among the 5 Latin American countries that consume more internet hours per month. Source: comscore Media Metrix, Junio 2014 Chilean Social Media audience totalled 6.16 MM users(the market leaders are Facebook, Taringa and LinkedIn ). 8th in the world ranking of hours spent on the social networks sociales. Internet accesses comscore report: Digital Future for Chile 2014
3 BancoEstado Overview:
4 Building the BancoEstado ecosystem Financial Inclusion: Business model based on the use of alternative channels Evolution of CajaVecina CajaVecina: A service channel for BancoEstado clients and nonclients. A focal point for reducing cash and increasing the use of accounts Trxs en miles Puntos CV CuentaRUT: A simplified debit account with an wide spectrum of services like payments, deposits, cash transfers and withdrawal. Evolution of CuentaRUT Source:BancoEstado
5 Building the BancoEstado ecosystem Financial inclusion: business model based on the use of alternative channels Evolution of Mobile Banking Mobile: The universal channel 1 out of every 4 clients that visit do so from a mobile device. The fastest growing transactional channel: 9 million transactions per month, with an annual growth of 122%. BancoEstado campaigns viewed on mobile surpass internet visits. Dec more than 900 thousand clients Almost 10 million transactions 48% more than in 2013 Internet: BancoEstado s largest branch 4.6 million active clients on the Web. 37,6 million transactions per month. More than 31 thousand simultaneous connections. 23 million visits per month to the public website. The 4th most visited portal in Chile, 1st among business and financial websites(comscore). Evolution of the Internet Source:BancoEstado
6 jun-00 dic-00 jun-01 dic-01 jun-02 dic-02 jun-03 dic-03 jun-04 dic-04 jun-05 dic-05 jun-06 dic-06 jun-07 dic-07 jun-08 dic-08 jun-09 dic-09 jun-10 dic-10 jun-11 dic-11 jun-12 dic-12 jun-13 dic-13 jun-14 dic-14 Financial inclusion: Significant growth in alternate channels transactionality The strong impact of BancoEstado Evolution of Client Transactions (In Millions of N ) Dec MM Txs / month 11MM CCL Redbanc ServiEstado CajaVecina CuentaRUT 2 MM CuentaRUT CajaVecina Mobile Portal 3 MM CuentaRUT MM CC purchases 15.3 MM Redcompra 42.3 MM Internet and Mobile 18.0 MM Selfservices 15.1 MM CajaVecina 11.5 MM Redbanc 3.4 MM Telephony 2.9 MM ServiEstado 3.3 MM Branch
7 New Channels Banks New sectors Financial Ecosystem Traditional competitors and other actors Social Lending Payments Credit Savings Web Subsidiaries Mobile Correspondence Debit MMFF CuentaRUT Seguros New Products Compaies that support the business Transbank / Redbank In the next few years, the financial sector should look out for the threat of the entry of large Internet companies like Google, Apple or Amazon, and of credit card companies Deutsche Bank, Report The future of (mobile) payments. / New (online) players competing with banks, 2013
8 Future spaces Our strengths Brand positioning 54% recall among consumers (top of mind). GFK Adimark. Our clients percieve us as close and reliable One of the most valued brands Brands and Lifestyles of Chiileans 2014, GFK Adimark. The 6th State institution to achieve an international standard, with 74.3 points in the Corporate Transparency Ranking Large client base More than 8 million active clients The largest service network. Our challenges: To develop a digital strategy that gives more flexibility to respond to the market and that favours innovation To Protect our client base from disintermediation. To safeguard the security of clients operating outside our ecosystem To stregthen our medium of payment, so that it is not the only feeder of digital accounts generated by other actorss Future Challenges: Regulation that supports remote acceptance Adoption of new tehnologies to strengthen our mediums of payment: Mobile Payments and Prepaid cards or accounts Development of digital business models that identify new profit spaces and consider how to connect with other actors: Partnerships / Competition / Absorb them Financial Education: Improve transparency and provide permnent advisory services for better informed clients.
9 What are we doing? Financial inclusion Transformation Program Coverage Digital Transactions Selfservice & Automated Sales processes To be where people are: extend our coverage with multiple formats that enable us to offer better services to the community. 20 new branches. 92 small branches in boroughs where we are not present today. 500 new ATMs. Reach a total of 150,000 CajaVecinas. Modernity Reduce cash, improve personal safety, with lower travel costs, bringing everyboy in to the digital world. Non-cash payments at CajaVecina for clients and non clients. Mobile payments: paying through the cellular phone and inter cellular payments. Simplicity and Dignity: making life easier for people, offering clients experiences that make them feel happy about their relationship with BancoEstado Redesign of sales and post sales processes through BPM: For 2015 CuentaRUT and Consumer Credits.
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