1. 3 BUSINESS MODEL CANVASES:
HEC LASANNE EBUSINESS2011
3 BUSINESS MODEL CANVASES:
Credit Suisse
ICBC CHINA
BOURSORAMA France
AUTHORS: Evangelos BRACHOS
Sikka GOMEZ
Christian SERY
Sabrina OSSEY
Lecture : e-business 2011 MScIS
Group’s subject : BANKING & FINANCE

2. Customer relationships
CREDIT SUISSE
Key activities
Value proposition
Customer relationships
Key partners
Customer segment
Shared
services
Private banking
Investissement Banking
Asset management
good strategy
Strengths of Asset Management
Relationship management model
Personnal consultation (hotline)
Associations
Authorities
Sponsorship
Society
Private Clients
Corporates & institutions lien
Governments
Key ressources
Channels
large network
An expertise section
Social media
Credit suisse Brand
Services
Ambassador :Roger Federer
BANK offices
Internet banking and business transaction
social media
Direct net banking app (on iphone)
Cost structure
corporates
Training
New agencies creation
Investments funds and securities
Traders
New assets managers
Hedge funds
Revenue streams
Rates
Services payments
return on equity
New asset
Collaboration revenues
Gross margin in the Wealth Management Clients business
lien

3. KEY’S PARTNERS Associations Authorities Sponsorship Society
HEC LASANNE EBUSINESS2011
KEY’S PARTNERS
Associations
Authorities
Sponsorship
Society
SBA - Swiss Bankers Association
Swiss American Chamber of Commerce
Swiss Employers Association
Etc……..
Switzerland : FDF - Federal Department of Finance
FINMA - Swiss Financial Market Supervisory Authority
SNB - Swiss National Bank
ETC……
Credit Suisse maintains numerous partnerships in culture and in sports.
Roger Federer's website
Roger Federer Foundation
Etc….
As a global bank with a long tradition, Credit Suisse is strongly anchored within its industry and the regulatory environment. The bank also plays an active part in the social and cultural life of its target markets. This results in an extensive network of organizations and authorities, with which Credit Suisse maintains an intensive exchange of ideas and information.
In the context of its global initiatives, Credit Suisse works with a series of partner organizations. The bank also supports a large number of humanitarian organizations in the four regions in which it operates.Europe,America,asia-pacific,EMEA

4. Investissement Banking
HEC LASANNE EBUSINESS2011
KEY’S ACTIVITIES
Provide comprehensive advice and a broad range of wealth management solutions
Private banking
Asset management
Investissement Banking
Shared Services
Private banking
Investissement Banking
Asset manager
Key activities
To offer a wide range of investment products and functions across asset classes
to Offer a broad range of investment banking and securities products and services
Private banking :
Credit Suisse provides comprehensive advice and a broad range of wealth management solutions tailored to the needs of high-net-worth individuals globally as well as private and business clients in Switzerland.
Investissement Banking :
Credit Suisse offers a broad range of investment banking and securities products and services to corporate, institutional and government clients around the world.
Asset management :
Credit Suisse offers a wide range of investment products and functions across asset classes, for all investment styles
SHARED SERVICE:
Shared Services provides high-quality, cost-effective corporate services and business support for the bank’s three divisions – Private Banking, Investment Banking and Asset Management.

5. Our aspiration: to become one of the world's most admired banks
HEC LASANNE EBUSINESS2011
Values Proposals
good strategy
Strengths of Asset Management
Vision
Our aspiration: to become one of the world's most admired banks
Industry trend
We believe, however, that strongly capitalized banks with a clear and demonstrated client focus will have a competitive advantage.
Groupe priorities
Clients focus
Employees
Collaboration
Capital & risk management
Efficiency
Corporate Responsability & code of conduct
Client focus
Performance
Alignment
Risk management
Intellectual capital
Client delivery

6. Relashionship management model
HEC LASANNE EBUSINESS2011
Relashionship management model

7. Channels Internet banking and business Payments channels
Business easy package
Direct net banking app (on iphone)
Social
media
Bank offices
Direct Net and NetBanking Platforms
Payment Channels for More Complex Requirements
Conventional Payment Transaction Channels
Personnal consultation (phone,internet)
Your Benefits at a Glance, Business Easy Overdraft Limit, Payment Transactions
Optional Products, Interesting Additional Benefits
Services at your fingertips
Exclusive for Direct Net users
Highest Standards of Security
Youtube
Facebook,twitter
RSS
Podcast
Switzerland, United kingdom
USA, BRAZIL
Japan, Hong Kong china, Singapoure

8. Industrial and Commercial Bank of China Ltd ICBC
Key activities
Value proposition
Customer relationships
Key partners
Customer segment
Risk management
Investment
Consultancy services
Insurance
E-banking
Financing services
Securities,
Mutual fund, bonds
Structured
financial asset
Relationship management
VIP version of personal
internet
Consultants
Auditors
Insurance company
Bank
Clients
Companies
Governments
Rewards programs
Octopus Automatic Add-
Value Service
Free personal accident
travel insurance
VIP version of personal
internet
Second password
security mesure
Key ressources
Channels
Integrated account
Service
Materials
ICBC Brand
Bank corporates
Internet banking
Phone banking
Cost structure
Training
Bonus
New agencies creation
Discount on charge
Audit charge
Investments funds and securities
Revenue streams
Rates
Services payments
Commission rates insurance

9. Cr AXA-Minmetals Assurance , Allianz China Life (AZCL),
KEY’S PARTNERS
Consultants
Insurance company
Bank companies
Pricing partners…
As a global bank with a long tradition, Credit Suisse is strongly anchored within its industry and the regulatory environment. The bank also plays an active part in the social and cultural life of its target markets. This results in an extensive network of organizations and authorities, with which Credit Suisse maintains an intensive exchange of ideas and information.
Cr AXA-Minmetals Assurance , Allianz China Life (AZCL),
Standard Bank …

10. For every HK$1 with your credit card, you will receive 1 point
Values Proposals
Rewards programs
Octopus Automatic Add-Value Service
VIP version of personal
internet
For every HK$1 with your credit card, you will receive 1 point
ICBC Credit Card Octopus Automatic Add-Value Service (¡§AAVS¡¨) enables you automatically to add value (HK$250 or HK$500 at your choice) to any Octopus card/product when there is insufficient fund. No need to queue…
VIP version is an Internet Banking service exclusively for the premium online clients of ICBCPersonal Internet Banking. This new service offers special channel, service area, premium services, products and rate to all VIP members

11. Channels Bank corporates Overseas Branches(Singapore,France,Argentina)
Internet banking
Phone banking
Overseas Branches(Singapore,France,Argentina)
China Branches
Personal E-banking Service (account management,remittance and payement services,wealth management…)
Corporate E-banking Service (e-commerce,security service,credit …)
payment operation of orders generated by e-commerce platform through the Telephone Payment service.

12. Customer Relationship Key Partners Customer Segment
BOURSORAMA
Key Activities
Value Proposition
Customer Relationship
Key Partners
Customer Segment
-Marketing
-E-Banking
-Brokerage
-Internet Providers
Suppliers of Financial Data
Société Générale
A Free and simple news of the stock exchange
Customizable Brokerage service
E-Banking 24/7 with innovation (online check ...)
Everything at low cost and on a unique portal
-Switching costs
People interessed by the stock exchange
Key Ressources
Distribution Channel
-Brand recognition
-Big attendance
-online experience
-Word of mouth
-Internet
-social networks
FINANCE
-Internet costs
- Technologic infrastructure cost (computers, server..)
Cost Structure
Revenue Streams
-Advertising on the website
-brokerage revenue
-Commission

13. Value Proposition Value Proposition Customer Segment
A Free and simple news of the stock exchange
Customizable Brokerage service
E-Banking 24/7 with innovqtion (online check ...)
Everything at low cost and on a unique portal
Offering a unique experience as a financial portal
People interessed by the stock exchange
(particular, professional…)

14. People interessed by the stock exchange
Distribution Channel
Value Proposition
Distribution Channel
Customer Segment
A Free and simple news of the stock exchange
Customizable Brokerage service
E-Banking 24/7 with innovqtion (online check ...)
Everything at low cost and on a unique portal
-Word of mouth
-Internet
-social networks
People interessed by the stock exchange