1. -BANK R oman Kulikov E ugene Kostrikov L iudmila Kobzeva A lexander Kučin X -factor Bank of oscow
2. Bank of oscow Problems and Aims Stimulation of the usage of bank services Development of bank services and improvement of bank structure Due to the fact that the conditions for IFC in Moscow should be created in various spheres (Appendix 1), the resources of the Bank of Moscow are considered to be deficient for reaching this target. However, providing financial services to the citizens we are able to develop human capital.
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8. Bank of oscow Appendix 1 (Aspects of the Development of IFC in Moscow)
9. Bank of oscow Appendix 2 (Market Segments) Segments Age Segment share Income Attitude to finances Moscow residents Internet users Orientation to modern values Use of services of the Bank of Moscow Young Leaders 25-35 13% High Positive 34% + + 10% Affluent middle-aged 36-47 19% High Neutral 36% + + 8% Active middle-aged 36-45 10% Medium-High Positive 20% + - 6% Thoughtless young proletarians 21-30 16% Medium Positive 13% + + 4% Rational Youth 25-35 4% Medium-High Negative 28% + + 7% Pre-retirement Sloggers 43-55 15% Medium Positive 10% - - 2% Retired 55-65 17% Low-Medium Negative 14% - - 2% Meager youth 21-27 6% Low-Medium Negative 4% - - n/d
10. Bank of oscow Appendix 3 ( -Guide) M-Guide is focused on households with investment potential (High Income): Young Leaders, Affluent Middle-Aged => 6 mln (2010) The Bank of Moscow offers a Guide in the world of finance, thus, the increase in the number of clients will lead to the necessity of increase in the number of consultants. Bank of Moscow accounts for about 9% of the market: 540 000 households. As the average time spent on one client is estimated at 1 hour, the number of consultants required in an office is 2 . Total number of consultants=125offices*2= 250 Taking into consideration the measures proposed above, the increase of the market share of the Bank of Moscow is estimated at 12% by 2015. Moscow and Moscow Region Other Regions (79) Average number of clients 189 000 (35%) 351 000 (65%) Number of offices providing brokerage services (Based on www.bm.ru) 46 79 Number of clients per office per day (assuming 300 working days) 14 15 Number of households Share of Bank of Moscow Number of the Bank’s clients Number of consultants Number of the offices with consultants 2011 9,5 9 , 6 % 912 000 422 211 2012 12 10 , 2 % 1 224 000 567 284 2013 13,5 10 , 8 % 1 458 000 675 338 2014 14,75 11 , 4 % 1 681 500 778 389 2015 15,75 12 % 1 890 000 875 438
