Retail banking and specialised financing
Contact : contact@ineum.com
Although a major rationalization of networks has taken place in recent years, bank branches remain at the heart of the bank development strategy. Reaching saturation on the French market, the retail bank market is forcing the main players to review their strategy. They have to respond to:
- Diversification of activity in the retail market in France (expansion of company and professional customer base, high-end clients, exploiting synergies with specialised financial services).
- Maintaining a dominant position in France by continuing with optimizations of scope (opening and closing branches and merger of regional offices) and gains in productivity (restructuring of back office and IT platforms, restructing, remote services optimization, branch tools efficiency improvement such as CRM).
- Continuing with the growth strategy abroad (via acquisitions or setting up subsidiaries).
The Ineum Consulting teams help its customers to roll out their strategy in France and abroad.
Examples of achievements:
- Restructuring and defining the setting-up of branches network, for a French banking player.
- Restructuring of branches network and re-engineering processes, for the European leader in leasing finance.
- Merging the network and sizing up branches and platforms, for a consumer credit company.
- Designing new branch formats, for a French banking player.
- Re-engineering channels and drawing up business plans, for the European leader in leasing finance.
- Restructuring sales processes, for a consumer credit company.
- Assisting with in setting up a retail bank, for the benefit of six Algerian public-sector banks.