FirstBank H1'11 Investor & Analyst Presentation
Operating
Environment
Highlights
Risk Mgt &
Corporate
Governance
Financial
Review
Strategy &
Transformation
We continue to increase the level of granularity of our business model;
each of the five Bank strategic business units has several key
priorities that are integral to attaining our 2013 objectives
Institutional Banking Group
Grow lending in right
portfolio mix/concentration
Ensure linkage of lending
to transaction banking /
fee sources (e.g., cash
mgt, trade finance, risk
products)
Leverage value chains of
institutional clients
Deepen capabilities for
growth sectors (e.g.,
infrastructure)
Corporate Banking Group
Manage risk with large
clients and drive fee
income through
payments, account
turnover, trade finance
etc
Private Banking Group
Establish a leading relationship team and robust back-end
operating system (people, processes, tools) to ensure
exceptional service levels
Drive customer acquisition and contribution to FirstBank
group with defined referral management system and
Group cross-sell incentives
Drive transaction and fee income via investment
products/AUM and interest income via credit cards and
mortgages (onshore/offshore)
Institutional
Clients
HNI*
Federal
Government
Grow small ticket
lending at right price to
large number of
Corporate
Clients
Affluent
corporate customers
Establish strong
acquisition pipeline for
new/referred corporate
customers
Small and
Medium
Enterprises
Mass
Market
Summary &
Outlook
Optimise relationship
manager
coverage/deployment
model but manage cost
for sales and service
across the diverse
segment
High net worth individuals
Business
FirstBank H1'11 Investor & Analyst Presentation - 27/07/2011
Individuals
Retail Banking Group
State
Government
Local
Government
FirstBank
Since 1894
Public Sector Banking Group
Target revenue/expenditure
accounts (e.g., FAAC) in
wealthiest states and business
in key MDAs
Drive value-added services
(e.g., collections, payment
services)
Optimise lending within
regulatory limits and extend
via PPP participation and
other Group offerings (e.g.,
IBAM state bond issues)
Government
Retail Banking Group
Continue to
generate low cost
stable funding via
current/svgs deposit
mobilisation
Make significant
strides in acquiring
affluent and small
business customers
as well as the youth
Expand consumer
and small business
credit (secured
lending, cards)
Align sales and
service costs to
value of customers
Establish strong
mobile money
offering
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