“ESTA CONFERENCE”

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“ESTA CONFERENCE”
“Standards to Improve The Cash Cycle”
May 23rd – 24th, 2011
Area
Department
Type
Date
Operations - Spain
Central Cash Mgmt
Internal
05.2011
El presente documento es propiedad de BBVA y ha sido elaborado para uso exclusivamente interno de los empleados de Banco Bilbao Vizcaya Argentaria, S.A.
o cualquier otra entidad del grupo BBVA (en adelante “BBVA”) y el Colegio de Farmacéuticos de Barcelona
1
Index
1. INTRODUCTION
2. SPANISH CASH CICLE NOW
3. NEW LINES FOR THE FUTURE
2
Index
1. INTRODUCTION
2. SPANISH CASH CICLE NOW
3. NEW LINES FOR THE FUTURE
3
1. INTRODUCTION
FACTS:
In Spain, 80% of payments are made in cash
Retailers “use” our branch network as a point of delivery
TOPIC:
Cash is Expensive
OBJECTIVES
We don’t discuss if cash is expensive or not
We know that cash will remain between us for a long time
We are trying to focus our efforts on EFFICIENCY
4
Index
1. INTRODUCTION
2. SPANISH CASH CYCLE NOW
3. NEW LINES FOR THE FUTURE
5
2. SPANISH CASH CYCLE NOW
PLAYERS:
Bank Of Spain (BoS) - Eurosystem
Commercial Banks
CIT Companies
Intermediates
Machine Providers
Law Forces (National Police, Guardia Civil, Army…)
6
2. SPANISH NETWORK – CASH DISTRIBUTION
Asturias
Lugo
Cantabria
Vizcaya
Guip.
Álava
Navarra
Coruña
León
Pont.
Burgos
Orense.
Huesca
La Rioja
Zamora
S
Valladolid
Barcelona
Zaragoza
Soria
Tarrag.
Segovia
Salamanca
Gerona
Lérida
Palencia
49.000 BANK BRANCHES
Guadalajara
P
Ávila
Teruel
Madrid
Castellón
Cáceres
A
Cuenca
Toledo
Menorca
65.000 ATM NETWORK
Mallorca
Valencia
Ibiza
Ciudad Real
I
Badajoz
Córdoba
N
Huelva
Albacete
Alicante
Formentera
Murcia
Jaén
Sevilla
Granada
Almería
Málaga
Cádiz
Lanzarote
La Palma
Tenerife
Gomera
Hierro
Fuerteventura
Las Palmas
Melilla
Ceuta
7
2. SPANISH NETWORK – WHAT IS EXPECTED
Asturias
Lugo
Coruña
Cantabria
Vizcaya
Guip.
Álava
Navarra
NUMBER
OF BANKS DECREASING
León
Pont.
Burgos
Huesca
La Rioja
Gerona
NUMBER
OF Palencia
BANK BRANCHES DECREASING
Orense.
Lérida
Zamora
S
Barcelona
NUMBER OF ATM’s (DEACREASING TOO?)
Valladolid
Soria
Zaragoza
Tarrag.
Segovia
Salamanca
Guadalajara
P
Ávila
Teruel
Madrid
Castellón
Cáceres
A
Cuenca
Toledo
Menorca
Mallorca
Valencia
SAME VOLUME OF
CASH
Ibiza
Ciudad Real
I
Albacete
LESS ATM’S + LESS
BRANCHES
Alicante
Formentera
Badajoz
Córdoba
N
Huelva
Murcia
Jaén
Sevilla
RESULT:
MORE CASH PER BRANCH/ATM
Granada
Almería
Málaga
Cádiz
Lanzarote
La Palma
Tenerife
Gomera
Hierro
Fuerteventura
Las Palmas
Melilla
Ceuta
8
2. BBVA’s PROJECTS
“OPEN” FOR VACATIONS
We close 15% of our network during ONE MONTH
AUGUST IS ALWAYS “OUT OF CONTROL”
G.P.E.C. (Retail Professional Cash Management)
We don’t want “Just Transportation and Countign”
G.I.E. (End to End)
Professional Cash Management (Bank Branches)
Forecasting + Bank Barnch ATM Management
9
Index
1. INTRODUCTION
2. SPANISH CASH CYCLE NOW
3. NEW LINES FOR THE FUTURE
10
3. NEW LINES FOR THE FUTURE
1
?
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D
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11
3. NEW LINES FOR THE FUTURE
3
Trying to get CASH OUT from the Branches (Retailers)
S
D
A
R
D
N
A
T
S
?
?
?
D
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12
3. NEW LINES FOR THE FUTURE
4
S
Multi-Brand Cash
Branches
D
A
R
D
N
STA
13
3. CONCLUSIONS
THREE PLAYERS:
Banks, CIT’s & Machine Providers have to be in the same
“BOAT”
Try not to earn in 6 months what you have to earn in 5 years
STANDARS:
Standards will make the cycle shorter and more efficient
Standards will help us (all players) to create new solutions
(logistics)
FROM THIS CRISIS WE NEED TO TAKE
ADVANTAGES FOR AN AUTOMATED AND
MORE EFFICIENT CASH CYCLE
14
“ESTA CONFERENCE”
“Standards to Improve The Cash Cycle”
May 23rd – 24th, 2011
Area
Department
Type
Date
Operations - Spain
Central Cash Mgmt
Internal
05.2011
El presente documento es propiedad de BBVA y ha sido elaborado para uso exclusivamente interno de los empleados de Banco Bilbao Vizcaya Argentaria, S.A.
o cualquier otra entidad del grupo BBVA (en adelante “BBVA”) y el Colegio de Farmacéuticos de Barcelona
15
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