1. Success in a Foreign Land S Renganathan Managing Director / CEO
Commercial Bank PLC

2. Success in a Foreign Land
CONTENT :
1. Why Foreign Land ?
2. How to succeed in a Foreign Land ?
S Renganathan
Managing Director / CEO
Commercial Bank PLC

3. Why Foreign land ??

4. Why Foreign Land… Diversification into different economy
Growth Strategy 
New Market Opportunities  
Enhancing brand image
Economies of scale 
Opportunities for expertise built within
Opportunities for our customers 

5. Benefits & Rewards Reduce concentration risk on one economy
Diversification into different economy
Reduce concentration risk on one economy
Larger market size
Growth Strategy
Additional contribution to Earnings
Balance Sheet growth

6. Benefits & Rewards Launch successful products and services
New Market Opp. for existing products and services
Launch successful products and services
Introduce Digital/Automated platforms
Acquire new products and services
Enhancing brand image
Become an international bank
Enhance country image

7. Benefits & Rewards Sharing of IT infrastructure
Economies of scale
Sharing of IT infrastructure
Centralized supervision
Expert staff support
Grow Opportunities for expertise built within
Opportunity for trained and experience staff to grow business

8. Benefits & Rewards New market for our customers
Opportunities for our customers.
New market for our customers
Providing information relating to trade partners
Providing regulatory and country specific information

9. Succeeding in a Foreign land ??

11. Two Meanings of FEAR Forget Everything And Run or
Face Everything And Rise
If you want to succeed ,
you need to face everything.
If you want to face everything ,
you need to know the Challenges.

12. Challenges and obstacles
Culture
Competition
Regulatory
Economy
Leadership
Talent acquisition and retention

13. Challenges and obstacles
Culture
Understand the culture
Language
Policies and Practices –
Business Growth and Competition
Competing with other Banks
Lower single borrower limit
Less branch network

14. Challenges and obstacles
Regulatory
Comply to new regulations
Cost of regulations limiting earnings
Economy
Interest Rates  
Currency depreciation
Inflation 

15. Challenges and obstacles
Leadership
Limited staff from host country
Managing different cultural teams
Change Management
Life threats
Talent Acquisition and Retention
Retention of Staff
Introduction of new performance based culture
Requirement of talented staff 

16. To Succeed in a foreign land
It is not the strongest of the species that survives,
nor the most intelligent that survives.
It is the one that is most adaptable to change survives.
Charles Darwin
Thank You