Commercial Bank Business Plan

Outline

I. Executive Summary
A. Mission Statement
B. Company Overview
C. Products & Services
D. Marketing & Sales
E. The Market
F. Financial Summary

II. Company Overview
A. Mission Statement
B. The Business Opportunity
1. Value Proposition of Business
2. Industry Background
C. Company Description
1. Southwest Bank
2. Ellisville Branch
D. Company History
1. Southwest Bank
2. Ellisville Branch
E. Capital Allocation
F. Website Description – Online Banking
G. Revenue Model & Business Strategy
H. Growth Strategy

III. The Market
A. Commercial Banking Market
1. Analysis
2. Figures
3. Trends
B. Consumer Banking Market Analysis
1. Analysis
2. Figures
3. Trends
C. B2C Target Market
D. B2B Target Market
E. Profile of Direct Competitors
F. Competitive Analysis
G. Company Competitive Profile
H. Competitive Strategy

IV. Products & Services
A. Overview
B. Consumer Banking
1. Checking Accounts
2. Savings Accounts
3. Money Market Accounts
4. Health Savings Accounts
5. Certificates of Deposit
6. Home Financing
7. Home Loans and Equity Lines of Credit
8. Personal Loans
9. Student Loans
10. Auto Loans
11. Rewards Program
12. Account Services
a. Tele Banking
b. Online Banking
c. ATM
d. Mail
C. Business Banking
1. Commercial Lending
2. Commercial Finance
3. Checking Accounts
4. Money Market Accounts
5. Treasury Management
6. Investment Services
7. International Banking
8. Business Courier Service
9. Correspondent Banking

V. Marketing Plan
A. B2C Marketing
1. Overview
2. Branding Strategy
4. Pricing Strategy
5. Public Relations
6. Targeted Promotions (Coincide with Product Line)
a. Tangible Products (e.g. IPOD/Gift Cards/Etc.)
b. Contests
c. Community News (Online)
d. Teen/Young Adult Online Portal

7. Sponsorships
8. Print Advertising
B. B2B Sales
1. Overview
2. Sales
3. Affiliate Relationships
4. Direct Mail
C. Customer Relationship Management
1. Overview
2. Sales
3. Internal Referrals (Upselling)
4. Communication

VI. Operational Plan
A. Overview
B. Technology & Infrastructure
C. Billing/Sales
D. Marketing
E. Hardware and Software Requirements
F. Legal/Accounting
G. Insurance
H. Web Maintenance (Corporate)
I. Web Design & Development (Corporate)

VII. Management and Staff
A. Board of Directors
B. Executive Management
C. Branch Management
D. Staff

VIII. Financing and Growth Strategy
A. Capital Requirements
B. Financial Strategy
C. Business Growth Strategy
D. Risk Analysis
E. Exit Strategy

IX. Financial Plan
A. Notes to Financials
1. Revenue Model
a. Pricing Assumptions
b. Sales Assumptions
c. Growth Assumptions
2. Expense Assumptions
3. Use of Proceeds
B. Pro-Forma Financial Statements (Y1: Monthly Y2-3: Quarterly)
1. Year 1-5 Pro-Forma Income Statements
2. Year 1-5 Pro-Forma Statement of Cash Flows
3. Year 1-5 Pro-Forma Balance Sheets