The areas within the retail banking sector and the entities that compose it are experiencing a continuous re-definition of their operational processes, making it an area where significant consolidation is occurring. This presents a series of challenges which conditions the strategies companies adopt to increase revenue and profit streams:

	Globalisation tendencies, with a clear cut focus on the domestic markets: focusing on small-medium sized companies and the consolidation of pan European banks.
	Difficulties and high costs involved in acquiring new clients within a mature/developed market.
	The quest of profit margins in other sectors by actively involving their operations.
	Profitability from investments in technology, striving for efficiency and productivity without losing the competitive edge.

Commercial Productivity improvements

	Reengineering the products/services on offer by segment (retail, customer advisory services, personal banking, corporate banking)
	Design and implementation of CRM systems
	Change management, HR training

Loans, Credits and Guarantees/Collaterals Management

Design and implementation of Core banking structural systems

	Holistic vision of Client/Corporation/Account; Cash flows and balances.
	Customer Accounts
	Customer Database
	Rates Fees Database
	Commercial Product Database
	Corporate information Database

Process redesign, Efficiency and Mechanisation

	Technological strategy for improving processes
	Redesign of processes and procedures adapted to new systems requirements
	Implementation of Business Process Management (BPM) solutions
	Implementation of Enterprise Content Management systems

Branch network Optimisation

	Development of the commercial model with the client; personal advisory systems
	Optimisation of the banking branch model: sales and support, improvement of the administration process

Client Management and Segmentation