跨国企业中的职业规划和职业发展_精品文档.ppt
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EMEAConsumerBeijingMay10th,2005AgendaAgendalCitigroupinEMEAlTheCIO/TechnologyFunctionlSuccessfulCareerPlanninginlargeorganisations1EMEAConsumerStrategyEMEAConsumerStrategyLeverageourPan-EuropeanConsumerBusiness/GlobalPlatformDeliverservicestoawidespectrumofconsumersEmergingMiddleClasstoMassAffluentWithabroadproductarrayCards,ConsumerFinanceandRetailBankingThroughmultiple,diversedistributionchannelsDeliveringsuperiorprofitabilityandreturnsWithahighlytalentedanddiverseworkforceThroughawelldefinedbusinessmodel2TopPrioritiesforEMEA2005/2006TopPrioritiesforEMEA2005/2006Coordinatedgrowthstrategytoleverageinfrastructure,geographicCoordinatedgrowthstrategytoleverageinfrastructure,geographicknowledgeandexpertiseknowledgeandexpertiseGeography:
rapidbuildoutinkeyemergingmarkets(Russia,Czech,Geography:
rapidbuildoutinkeyemergingmarkets(Russia,Czech,Hungary,Turkey);acquirescaleinlargeWesternEuropeanmarketsHungary,Turkey);acquirescaleinlargeWesternEuropeanmarkets(UK,Spain,Germany)(UK,Spain,Germany)Product:
establishCitiFinancialasbroad-basedprovideracrossProduct:
establishCitiFinancialasbroad-basedprovideracrossregion;driveCardsgrowthvianewsegments,marketsandchannelsregion;driveCardsgrowthvianewsegments,marketsandchannelsdeveloploanproductforCitiBluesegment;aggressivelyrolloutdeveloploanproductforCitiBluesegment;aggressivelyrolloutCitiGoldCitiGoldforthemass-affluentsegment.forthemass-affluentsegment.Compliance&Control:
Compliance&Control:
positioncomplianceorganizationsinpositioncomplianceorganizationsinorganizationhierarchytoaffectbusinesspolicyanddeliverunfilteredorganizationhierarchytoaffectbusinesspolicyanddeliverunfilteredmessagestobusinessmanagementmessagestobusinessmanagementTechnology:
establishEBS/ECS/GSPascommonproductTechnology:
establishEBS/ECS/GSPascommonproductplatformsacrosstheregionplatformsacrosstheregion3TheWorldsSecondLargestMarket-MarketShare1.29%;$358BRevenuePoolEMEAPresenceCountries4ExpandingPresenceThroughDistributionScaleEMEAPresenceCountries*Salespointsin2004Retailbranches605,SalesCenters322,ConsumerFinancebranches242Countries272827SalesPoints*9781,1691,250ATMs1,2671,4421,500DirectSalesAgents04,1546,000200120042005Plan5FocusedonourregulatoryEnvironment:
Increasedawarenessoflocalregulatoryrequirementsincountrybusinessandattheregionallevel.CompliancewithLegalRegulatoryRelatedCorporatePolices-ForExample:
Anti-MoneyLaunderingGlobalInvestmentpolicyimplementationInsurancestandardsDataprotectionandprivacyOtherResponsibilitiesNewProduct/ProcessInvolvementComplianceTrainingRCSA/BRCCCompliance&ControlFocusedCompliance&ControlFocused6EMEAConsumerPortraitsEMEAConsumerPortraitsLoansCitiBestAge:
40s,marriedwithchildrenIncome:
$45,000Need:
DesiresproductstosuittheirneedsAge:
46,marriedwithchildrenIncome:
$60,000Need:
Trusted,unbiasedandcustomizedadviceAge:
26Income:
$25,000Need:
Leveragefutureincometoimprovecurrentlifestyle7DiverseMarketsRequiringDifferentStrategiesMaturityofthemarketPenetrationofBankablePopulationVolatileenvironmentRapidGDPgrowth7%plusRapidDevelopmentStructuralChangesEarlyStabilityStableStableenvironmentSlowereconomyGDP1%-2%RussiaSpainItalyGreeceGermanyUKVolatileenvironmentGrowingeconomyGDP4%StableenvironmentModerateeconomyGDP2%-3%TurkeyDatamining&segmentationPursueAcquisitionopportunityExpandWealthManagementBuildunsecuredcreditMaintain“FirstMover”positionBelgiumCentralEurope*MiddleEast/Africa*RepresentsmultiplecountriesBankableaudiencerepresentsmiddleincomeandabove(US$10MtoUS$2.5million)EnvironmentStrategy8WhatdoesthismeanfortheBackOffice?
WhatdoesthismeanfortheBackOffice?
Successfulalignmentofthetechnologyfunctionwiththebusinessstrategyisabsolutelyvital9EMEAConsumerOps&ITStrategyReducebackofficecosts,andimproveefficiencyby:
Increasingproductivitythroughprocessoptimizationandstandardization,aswellascentralizationwherenecessaryConsolidationofbackofficeoperationsandcollectionsintocosteffectiveregionalservicecentres,e.g.India,Barcelona,Poland,basedonlanguagedependency,typeofprocess,andscaleofoperationScalableinfrastructurewithdecliningunitcostsforfuturegrowthImproveservicequality,andmaintainauditandcontrolstandardsExpeditethemigrationtowardscommonTechnologyplatforms,alignedwiththeagreedglobalendstatemodel.RetailbankingisonEnhancedBankingSystem(EBS)for13countries,withGermany,Belgium,SpainandItalyprojectsunderway.CreditcardsalreadyonECSfor16countries.10ExpandingPresenceThroughOperationalScaleGlobalPlatformTechnologyGlobalPlatformsBelgiumGermanyGreeceItalyIberia
(2)NordicUKCEE(5)RussiaTMEA(5)RetailBankingEBSApril063Q061Q061Q06n/aCardsECSDinersC