Lisboa, 7 de Agosto de 2014
BESOR
Plano Estratégico 2013-2017 e Modelo de Governo
|
Immediate system upgrades and FlexCube implementation will ensure BESOR’s
current needs and future ambition
2
6,2
2015
0,7
2014
2,6
2013
2,9
Total
Product
Offer
Milestone
Internet banking
at end 2Q 2013
Branch opening
in 2H 2014 based on FC
Matching offer requires investments in
IT thereby ensuring delivery of critical
product mix
Corporate
Internet
Bank (corp.
& personal)
Personal
Treasury
CAPEX. Million Euros
INVESTMENT - IT
▪
Inquiries, online deposits,
transfers, trading /
investment products
▪
Risk management (VAR
and limits)
▪
Set up of NDF in Atlas
▪
Cash management, credit
cards
▪
POS connection
▪
Credit cards, cheques,
personal loans
▪
Payroll, direct debit
▪
International transfers
▪
Interfaces FX trading
platform
▪
NPV interface
▪
Bulk transfers
▪
Withdrawals/Deposits
▪
ATM connection
▪
Flexcube
▪
Multicurrency accounts
▪
Payments confirmation
▪
Discount products
▪
Multicurrency accounts
▪
Debit cards
SOURCE: Team analysis
▪
Full internet banking
Atlas
Best Kondor
Flexcube
Migration from Atlas
Flexcube deployed
Fine tune FlexCube to
full product offer
capability
|
Plano de Implementação inicial e milestones atingidos
2014 2015 2013 M il est o n es IT (b u d g e te d )/ A c tu a l C o s t
▪
Flexcube with enlarged product offer capabilities (1H 2014)▪
Open BESOR branch(1H 2014)
▪
Launch Marketing Campaign▪
Hire 10 FTE(3 FO + 4 MO + 3 BO)
▪
Enlarge Investment product offer to new assets classes▪
Roll out of Flexcube core system▪
Go live for BEST Internet Bankingsolution
▪
New products on Atlas▪
Hire 4 RMs to achieve commercial objectives▪
Fill key positions (e.g., Compliance, Risk, Treasury, Operations)▪
Fully implement new governance model▪
Hire 4 FTE (2 FO + 2 BO)Flexcube core system [PRD: Jan / 2014]
(2700 m€) / Cost = 1500m€ (2013) + 764m€ (2014) POS [PRD: April / 2014]
(53 m€) / Cost = 13m€ (2013) + 20m€ (2014) Investments platform [PRD: May / 2014] (300 m€) / Cost = 115m€ (2013) + 128m€ (2014) Homebanking [PILOT: June / 2014]
(373 m€) / Cost = 87m€ (2013) + 102m€ (2014) Bulk Payments (PRD: August / 2014)
(12 m€) / Cost = 8m€ (2013) + 4m€ (2014)
Atlas upgrades [PRD: 2nd Half / 2013]
(21 m€) / Cost2013 = 18m€ 1H 1H B u si n ess r esu lt s 3
A
B
C
A
IT thread Program milestones accomplish levelE
D
D
B
D
D
C
m€ Jun-13 Dez-13 Clients (#) Deposits Credit funded Credit unfunded Banking Income Net Incomem€ Jun-14 YoY YtD
Clients (#) Deposits Credit funded Credit unfunded Banking Income Net Income • Nº POS: 1 • Investments: 0 M€ • DP BESOR: • Nº Clients: 65 • Deposits: 7,9 M€ • Golden Visa: • Nº Clients: 6 • Deposits: 1,0 M€ Jun-14
Total Budget
Actual Cost
3.4 M€
2.7 M€
4
Conselho de Administração
1. José Morgado (PCA),
2. Paula Ferreira Borges, Vice chairman 3. Guilherme Moraes sarmento, Vogal 4. Paulo Ferreira, Vogal
5. Paulo Franco, Vogal 6. João Rato , Vogal 7. William Mok , Vogal
Comissão Executiva
1. Paulo Franco, CEO, Chief Commercial Officer 2. João Rato, Deputy CEO, Chief Operations Officer 3. William Mok, Chief Financial Officer
General Assembly
-Maria de Lurdes N.M. da Costa (Presidente) - Rui L.C. Sousa (Secretario)
Proposta de revisão do Modelo de Governo
Conselho de Administração 1. Pedro Homem (Chairman, Não Ex.)
2. Amílcar Morais Pires (vogal)
3. José Morgado (Vice-Chairman,CEO)
4. Carlos Freire (Deputy CEO)
*
5. Alexandre Barreto 6. Rui Guerra 7. Jorge Góis 8. Paulo Ferreira 9. Paulo Afonso Comissão Executiva 1. José M.T. Morgado, (CEO, residente)
2. Carlos Freire, (Deputy CEO, residente) A
3. Alexandre Barreto (não residente) 4. Rui Guerra (não residente) 5. Jorge Góis (não residente) 6. Paulo Ferreira (não residente) 7. Paulo Afonso (não residente)
General Assembly
-Maria de Lurdes N.M. da Costa (Presidente) - Rui L.C. Sousa (Secretario)
Ausente (reformado Jan ‘13) Ausente (Ex-CFO do BES) Em funções, residente Em funções, residente Em funções, não residente Ausente (CEO BESA) Ausente (CFO Aman Bank) Em funções, não residente Em funções, não residente
MODELO ACTUAL
MODELO PROPOSTO
* A 13 de Março de 2014, foi acordada a sua saída do BESOR com efeito a Junho 2014 e regresso a Portugal no final de 2014, em reunião com o Dr. Morais Pires e Dra. Paula Ferreira Borges
Os pressupostos de base à alteração da composição do CA e CE são: i) Dotar o BESOR de um CA envolvido no Plano
Estratégico desta Unidade e com conhecimento dos desafios da Unidade e ii) dotar o BESOR de uma CE residente, com
as competências mínimas necessárias à implementação do Plano Estratégico e cumprimento do Plano de Negócio
estabelecido.
A
Carlos Freire deverá manter relação com BESOR via Prestação de Serviços até Dezembro de 2014
Chief Executive Officer (C.E.O.) Paulo Franco
Deputy Chief Executive Officer
João Rato
CFO
William Mok
Treasury João Rita, Chief Treasurer, Christine Lee, Chief Dealer 1 position to be Filled, Junior DealerCOO
João Rato
CCO
Paulo Franco
Personal Banking Ricardo Pontes, Head of Personal Banking Joana Leong Business RM 1 position to be FilledExecutive Secretariat & Administrative Support
- Christie Leung, Executive Secretary - Loi Iok Peng, Motorist & Messenger
Global Risk Unit
Keng Lei, Head of Global Risk Paul Ieong, Credit Analyst
Financial Institutions and Capital Markets Kelly Chiu, FI Officer Investment Banking Bernardo Amaral
*
Corporate Banking Brian Ma, Business RM Fion Ng, Assistant RM Candy Lau. TF manager Ida Chau, TF Assistant IT Agnes Chan, Coordinator 1 position to be Filled Operations and Admin Sylvana Chan, Operations Manager Maggie Cheong, Assistant Francis Lei, Assistant Stephen Kwok, Cards&POS manager Accounting Anne Ng, Chief Accountant Fanny Chan, accountant Compliance Unit - Cheres Fong, Head of Compliance - To be hired, Compliance AssistantOrganograma revisto para novo Modelo de Governo
5
* Propor regresso ao BESI , por não haver enquadramento para a atividade de banca de investimento no BESOR3 expatriados num total de 24 colaboadores
