3 CANEVAS OF BUSINESS MODEL :

• Credit Suisse• ICBC CHINA • BOURSORAMA France • AUTHORS: Evangelos BRACHOS

Sikka GOMEZ

Christian SERY

Sabrina OSSEY

Lecture Lecture : : e-business 2011 MScIS

Group’s subject : BANKING & FINANCE

Key partners

Revenue streams

Cost structure

ChannelsKey

ressources

Key activities Customer segment

Value proposition

Customer relationships

BANK officesInternet banking and business transaction social media Direct net banking app (on iphone)

Relationship management model Personnal consultation (hotline)

large network An expertise section Social media Credit suisse Brand ServicesAmbassador :Roger Federer

good strategyStrengths of Asset Management

Private Clients Corporates & institutions lien Governments

AssociationsAuthoritiesSponsorshipSociety

Private banking Investissement Banking Asset management

corporatesTraining New agencies creation Investments funds and securitiesTradersNew assets managersHedge funds

Rates Services payments return on equityNew asset Collaboration revenuesGross margin in the Wealth Management Clients businesslien

CREDIT SUISSE

Shared services

Key partners

Revenue streams

Cost structure

ChannelsKey

ressources

Key activities Customer segment

Value proposition

Customer relationships

Bank corporates Internet banking Phone banking

Relationship managementVIP version of personal internet

Integrated account Service Materials ICBC Brand

Rewards programs Octopus Automatic Add- Value Service Free personal accident travel insurance VIP version of personal internet Second password security mesure

Clients Companies Governments

Consultants Auditors Insurance company Bank

Risk management Investment Consultancy servicesInsurance E-bankingFinancing servicesSecurities,Mutual fund, bondsStructured financial asset

Training Bonus New agencies creation Discount on charge Audit charge Investments funds and securities

Rates Services payments Commission rates insurance

Industrial and Commercial Bank of China Ltd ICBC

Value Proposition

-A Free and simple news of the stock exchange-Customizable Brokerage service-E-Banking 24/7 with innovation (online check ...)-Everything at low cost and on a unique portal

FINANCE

Customer Relationship

-Switching costs

Distribution Channel

-Word of mouth-Internet-social networks

Customer Segment

People interessed by the stock exchange

Key Activities

-Marketing-E-Banking-Brokerage

Key Ressources

-Brand recognition-Big attendance-online experience

Key Partners

-Internet Providers-Suppliers of Financial Data-Société Générale

Revenue Streams

-Advertising on the website-brokerage revenue-Commission

Cost Structure

-Internet costs- Technologic infrastructure cost (computers, server..)

BOURSORAMA