BCS Premier

Dear Dmitry, Note in June 2016 it looks quite irrelevant references to 2015 at some future time. Please note - this is the very beginning of the text of the vision. It should be adapted to avoid damage to the company's image.

As the basis for business BCS Premier is technology and ideology finasnvogo personal planning as well as the idea of ​​a personal financial advisor, the opportunity to form personal financial plan are representatives of various segments of the target audience. In this case, those who have a combined income of 150 thousand rubles per month, will be able to use one set of banking, insurance and investment products, those with income 1,000,000 - other structure products. At the core of its product portfolio, in any case, will be based personal financial plan with goals and objectives of a particular client. For such a model is extremely important people (because they work with the client on a regular basis) and processes (because the investment products were under invest ideas and even though a client every week).

The short answer, I do not understand your vision of what is written above in my first post. If the answer is long, it is not clear the following. Income of 50 thousand per family member per month means the total income of 150 thousand per month for a family of 3 people, say, 1 million for a family of 4 people. In this case, the investment needs of these families will be different. The first (with total income of 150 thousand per month.) - An audience of retail banks. Top-selling products for them - loans and short-term deposits. For a family with a combined income of 1 million per month in financial products need to be different. At the family's need for financial services will be bias in investment products. And you in your vision and offer them both a strong team of professional advisors with the most effective business processes, despite the fact that the first need a standardized product, and other customized. Thus, under whom you will sharpen the team and business processes in order to become a leader?

Andrew, in my experience, as there were many cases that you mentioned. Regarding the discussion, we are, in my opinion, and discuss your point of view on the published vision. Good to see from any external factors Pushing off with you because when you write strategy BCS Premier target audience has been investigated and pereissledovana and down, yes, actually, and now every step is weighted by it. Apart from the fact that the vision you unsympathetic, because too general, I still hear only the theoretical arguments on the topic of leadership and customer segmentation. Competitive situation among financial companies (including banks, UK, IR, etc.) changing almost every month, as the structure of incomes, penetration of financial products and services remains low and is growing very slowly, and only investment, and even more so. If you deeply know the topic, be sure to clearly represent and clusters of target audiences, and not only by gender, social-DeMouy, etc., but also from the point of view of behavioral models. Competitive environment, you must be well-known. That strategically it is not clear in the Vision Premier BCS?

Dmitri, in my experience, there were many cases when the shareholder strategy agreed with broken and lost, so your shareholder consent is not vindication. Generally, your Vision, like most here presented, suffers from the disadvantage that the blurry picture of how the company would look like, and in isolation from the realities of the market. I do not need to know your inner "kitchen" (since it represents the situation "as is" and now has to do with strategy, both from one state to transfer you to another) in order to understand the behavior of consumers, their motivations for consumption of certain goods or services. In his discussion, I push away from external factors, and not on your internal, even when talking about "boutique your Goodman." If you are not willing to discuss another point of view, what's the point of public publishing vision?

Andrew, you are right in some ways, and in many ways - no. Because you are not inside the FG BCS, did not study business strategy, you do not know the management and decision-making structure, the system of marketing and sales, and try and make conclusions on two paragraphs that are written. This is normal in terms of linguistic perception. If you pass away to finance, from you and no one asks for money. We have FG Board and shareholder, which, in fact, claimed the ideology of the new brand, based on certain marketing and business calculations. Shareholder invests in that in which you believe. And he believes, and that is his right. Believe it or not the consumer? Check in a couple of years.

Dmitry, nothing wrong with dreams not. It's about feasible vision or, in financial terms, for your Vision of money as I would not have given the investor. The reasons for this are: 1. It is widely identified target consumer segment, which clearly there are segments with different needs and consumer behavior 2. Do you want to lead, but until we have decided on what kriteriyu.V general, not surprising, as the sample you have blurred and you do not know what to do with it. 3. There are beautiful words about the qualifications and professionalism instead of understanding how to achieve "a dream."

1. 50 thousand and above. 2. Can lead not only in terms of market share, but also, for example, in the provision of a particular service or a new format of cooperation with the client, and that we're going to do, implementing the principle of personal financial planning. 3. What's wrong with McDonald's on the principles of financial boutique, if it cost-effective? (We are not building a model - if such income per family member, rather, Goodman)

1. Understand correctly that you segment is defined only at the level of 50 thousand per family member is no more and no less? 2. So this is not leadership, if you miss the next Sberbank. In the extreme, as it does not lead to market share, which sends a message about your market share. Hence, leadership must be identified by other criteria, not on the share, and may not lead at all it should be. 3. If business processes debugged, the skills just not worth it in the first place. Qualification of personnel is important to suggestions being made for the requirements of the client (deep customization). If you work with a segment of 50 thousand per family member, then this should be a standardized set of proposals where clear procedures replace intellectual potential employees. In my opinion, the Vision is not achievable, because you are trying to build a McDonald's on the principles of financial boutique.

1. In the vision of the company does not make sense to go into specifics, hence the vagueness. If interested in the data, we determine the incomes of people in this segment, as about 50 thousand rubles per family member per month. 2. In fact, 7% - is sufficient. Given the fact that the market is an absolute leader Sberbank's position on various products from 20 to 50% of the market, the others have to fight for smaller slices. So 7% - this is a very ambitious goal. 3. If you do not reach the last three goals, the first is unlikely to occur. The model, which is the basis of the brand implies a strong team of financial advisors (and hence, the best staff, who will only work for good to the employer), streamlined business process (complex financial products and the formation of the financial plans for the customer tied to the technologies and processes) . Personal financial planning model automatically makes komfotnym term customer relationships with BCS Premier, as it facilitates the achievement of tactical and strategic purposes of the Client.