Helping You To Succeed

Fabrici Management Consulting delivers results that help our Clients to succeed in their work and initiatives.

Our Work

We use our expertise and experiences to support our Client's Business to assure their sustainable growth and profit.We serve the Clients with full range of Consulting Services in Strategy, Sales & Marketing, Operations, Risk and Information Technology.

Banking & Finance

The banking industry is in a period of transition. For most banks in the last decade of the 20th century was enough to take in deposits and making loans. The competition wasn’t as sharp neither between banks nor between other financial institutions. Recent changes on financial markets in combination with the dynamic forces generated three major trends in the industry:

  • Consolidation;
  • Non-traditional Banking;
  • Globalization;

Consolidation

What is consolidation in reality? The best answer might be the number of banks on specific market with certain history, stability and profitability. Mergers, acquisitions and/or dramatic changes on the market identify the banking industry in Central and Eastern Europe of last decade. The best measurement of the consolidation of the industry is the number of independent banking organizations on the market – where independent banking organization is either and independent bank or a holding company that owns several banks. The number of independent banks dramatically decreased in the last five to ten years. The number of banking offices, however, has remained remarkably stable.

What’s behind it? Most bankers provide fundamental justification for consolidation. Some argue that banks must be large enough to offer a wide menu of different products. Others argue just the opposites – that while banks have to get big, financial supermarkets do not work. Instead, banks must focus on a niche at which they are particularly good. Both groups, however, take economies of scale as an article of faith. This means the average cost of production falls as more is produced, implying banks will get more efficient as they get larger. The next significant attribute is economies of scope in banking. This means offering two products is more efficient than offering just one.

Non-traditional Banking

Banking industry consolidation, loss of large corporate loan business and strong competition forced banks to find a way to appeal the customers with new products with better services. Apart from classical banking products, new ones like banc-assurance, credit insurance, credit card services, retail lending and others are the main leading activities that impact the banks’ market share. Moreover, non-traditional banking also covers the services provided via different distribution channels i.e. Internet, Call-Centers etc.

Globalization

The market does not have borders anymore. The banking industry consolidation and non-traditional banking influence the banks to offer products and services via new distribution channels the customer can access independently on the location. In other words, once the customer has got the basic set-up with the bank the rest could be done via Contact Centers (iBanking, Mobile Banking, Call Centre, email, …). In such a case the product and services provided by the bank in Slovakia, in Czech Republic or in Austria differ only and only in the Product and Service Availability, Quality of Service, and of course – the price that is defined by internal business process set-up and related costs

 

Hot News

October 2015 - Fabrici Management Consulting has signed a Contract to deliver Enterprise Application Integration for Transpetrol, a.s.

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Septebmer 2015 - Fabrici Management Consulting has signed a Consulting Contract with Poštová Banka, a.s.

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