金控整合與共同行銷 兆豐金控副總經理 謝劍平

2 Transformation from Old to New Old Model Deposit taking Corporate lending Limited products Mortgage lending Size Operational Focus Capital+ Consolidation New Model Efficiency Technology Product line focus-innovation and quality Customer segmentation Fee income Consumer lending focus Wealth management Shareholder value Sources: Citigroup

3 Value Generation Model Cost saving in shared services Cross selling Top Synergy player Universal branding Capital allocation Funding advantages MANAGEMENT Scale in operation and distribution Skill transfer & skill building

4 價值創造模式（ Value Generation Model or VGM ） 金控綜效的體現： VGM 透露的策略思維 Synergy Player The 1st “ C ”, Cross Selling, The 2nd “ C ”, Capital Allocation Scale in Operation & Distribution; Skill Transfer & Skill Building The 3rd “ C ”, Cost Saving in Shared Services Management (Strategies)

5 交叉銷售的關鍵成功要素 組織規劃的必要性 人才的全方位化 產品規劃的優先性 強大的資訊共享平台