“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 ? R E T R O H ? S S E D L R C A Y D C N E A H T T S G ING N I K S A U M AND 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 ? E S E T N S WE CO 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
