IBOS - Making Cross-border banking easier Strategic value of IBOS to a bank to act as ICM Coordinator
Pyramid of added value in any business Value Added Basic Capabilities You have to have the Basic Capabilities as an entry ticket to play in the Value Added space
SEPA version of Pyramid High value payments Private AOS Core and Basic SEPA Schemes Community Additional Optional Services (AOS)
Local branch and clearing services International Cash Management Pyramid Treasury Advisory and Strategies Central Pool Integration with AHBs Integration with HBs Domestic Pooling Local branch and clearing services Value-Added (Host Bank) Basic (Account-Holding Bank)
Local branch and clearing services We have no local coverage – of our own or with proper partners Value-Added Basic Treasury Advisory and Strategies Central Pool Integration with AHBs Integration with HBs Domestic Pooling Local branch and clearing services We can’t get in the game
We’ve got coverage – but it’s a wholesale banking branch per country Value-Added Basic Treasury Advisory and Strategies Central Pool Integration with AHBs Integration with HBs Domestic Pooling Local branch and clearing services Local branch and clearing services We can’t help customers with wider local needs – and our branch won’t take on our SMEs...
Local branch and clearing services We’ve got a few full-service banks Value-Added Basic Treasury Advisory and Strategies Central Pool Integration with AHBs Integration with HBs Domestic Pooling Local branch and clearing services
Local branch and clearing services We’ve got some good coverage but the integration is poor Value-Added Basic Treasury Advisory and Strategies Central Pool Domestic Pooling Local branch and clearing services Integration with HBs Integration with AHBs Integration with AHBs Integration with HBs
We’ve only got wholescale branches AND the integration is poor Value-Added Basic Treasury Advisory and Strategies Central Pool Integration with HBs Domestic Pooling Local branch and clearing services Integration with AHBs Integration with AHBs Integration with HBs Local branch and clearing services
Local branch and clearing services We’ve got full-service parters where we don’t have coverage – but the integration is just 101s and 940s Value-Added Basic Treasury Advisory and Strategies Central Pool Integration with AHBs Integration with HBs Domestic Pooling Local branch and clearing services Integration with AHBs Integration with HBs
IBOS – I can use IBOS to integrate my full-service banks, which have independent IT IBOS HB Guaranteed Service Levels IBOS AHB Guaranteed Service Levels Own Bank – domestic pooling Own bank – local branch and clearing services Value-Added Basic Treasury Advisory and Strategies Central Pool
IBOS – I can integrate my full-service partner banks Value-Added Basic Treasury Advisory and Strategies Central Pool IBOS HB Guaranteed Service Levels IBOS AHB Guaranteed Service Levels IBOS Partner – domestic pooling IBOS Partner – local branch and clearing services
I can offer a harmonised and superior service in the Value-Added area because I have wide geographical coverage in the Basic area – and good integration between the two layers Host Bank Value Added Services IBOS GSL integration Own unit Basic Layer IBOS Partner Basic Layer Broad and deep coverage