johnrobert.schneider@gmail.com
I am looking for help in two lines one for the management team for the bank and second investors and partners who assist me in funding the project. the range of investment is from 100,000.00 usd to above reach to billions usd. please never try for sending scam letter type of investment. No response will be sent to such letters. we seek investors who provide finance for this investment without any fee fraud perpetuation. The investor is advised to send us a full details of himself and how to contract us.
Persepolis Bank Business Plan
Table of Contents
1. Executive summary
1.0 Executive summary
1.1 Key to success
2. Company summary
2.0 Company summary
2.1 Company ownership
2.2 Start up summary
2.3 Two question
3. Products
4. Market analysis summary
5. Strategy and implementation summary
6. Management summary
6.0 Management Summary
6.1 Personnel Plan
1. Executive Summary
1.0 Executive Summary
Persepolis Bank is a starting up investment company providing all the international banking and investment Services. Our bank will provide thoughtful, complete and cost effective financial solutions. The company has identified and seeks to complete the following successive Objectives: first objective is forming of a Swiss corporation (AG or S.A.). The second objective at least two physical persons to create a Swiss corporation. The third an entire Swiss bank management team with proper credentials acceptable to the Swiss Banking commission. Finally, there is the need to develop a comprehensive marketing plan and promotional campaign. The Persepolice Bank will target to provide all the international banking services in Europe and International market. The bank will reach these segments in several ways, including direct mailings, brochures, through a website and e-commerce, advertisements in trade publications. The main segments that will be targeted are the Europe market as a whole, international market. All segments have a high percent growth rate.
Persepolis Bank will leverage their competitive edges, which are based on product innovations/features and price competitiveness. Lastly, Persepolis Bank will employ a glide ease stretcher system making entry and exit as easy as possible. All Persepolis units are designed to be compact, efficient and safe.
Persepolis will assemble a strong management team to execute their solid plan.
The Bank will achieve profitability by the end of year one, with **** million in profit for year two, rising to *** billions.
The following are the business goals and objectives for Persepolis Bank.
Expand the bank to an international broker for investment in forex and stocks market.
Expand the bank network by set up branches in European countries and USA and Asia Develop a marketing plan, service literature, website, e-commerce, and needed departments. This step will be implemented after the approval.
1.1 Keys to Success
Once the company approved the next key to success will be strong marketing efforts to increase brand awareness and customer acceptance. For this purpose, we will attend all major trade shows, publish high quality literatures, and through a website.
2. Company summary
2.0 Company Summary
The persepolis bank will set up its first branch in Geneva in Switzerland. we are going to buy A suitable building for the first branch. as the second branch we will expand our network in London ,USA and china. all the four location have a high potential of capital follows.
2.1 Start-up Summary
1. the forming of a Swiss corporation (AG or S.A.)
2. at least two physical persons to create a Swiss corporation
3. a minimum fully paid-in share capital of CHF100’000
4. majority of directors in the Swiss corporation must be Swiss Once the Swiss corporation has been established, you must apply for a Swiss banking chapter (license) which involves
:5. an in-depth thorough due diligence and background check on all individuals involved. This background check includes but is not limited to:
6. investigative credit report(s)
7. reports of good standing from your local community(ies) and state(s) where you and your associates have resided during the past 10 to 15 years concerning personal character and integrity
8. minimum of USD100mio. or more capitalization in cash depending on….
9. an entire Swiss bank management team with proper credentials acceptable to the Swiss Banking Commission is an absolute must and most difficult to assemble.
Par. 6 and 7 also apply to the management team irrelevant of their present bank employee or directorial banking status
The set-up of any company in Switzerland progresses naturally in several stages. There exists official companies that will make this service and will be there every step of the way to eliminate any problems of a practical nature and thus allow us to focus our efforts on managing our business. They can take charge of the entire procedure and make our transition to Switzerland as quick and agreeable as possible.
Who owns the banks in Switzerland?
Most banks are owned by shareholders. The big banks are owned by private shareholders, while the cantonal banks are wholly or majority-owned by the cantons. But there are also some private banks owned by a few individuals forming a partnership.
Who is allowed to set up a bank in Switzerland nowadays?
Anyone who meets the statutory conditions and obtains authorization from the Federal Banking Commission may open a bank in Switzerland. The conditions for authorization, which are laid down in the Banking Law, are strict, as savers and investors need to be protected. For example, a bank must show that it has a sound organizational structure and the required minimum capital. Also, those entrusted with its administration and management must "enjoy a good reputation and thereby assure the proper conduct of business operations."
3. Products
The bank will have a legal, research, bond, mutual fund, mortgage center and investment centers separately. Also we will set up a Courier service. Persepolice Bank is committed to fully complying with the laws and regulations and the Right to Financial Privacy Act that have been established to protect the confidentiality of customer information. A bank should and indeed must be primarily a provider of services. Our market success is gauged first and foremost by how well it performs this function. The yardstick is customer satisfaction, to which we at Persepolicebank are wholeheartedly committed.
We see ourselves as an efficient provider of financial services for demanding private customers in Europe. We are also the creative relationship bank for the successful Europe Mittelstand , for major corporate and institutions in Europe as well as multinationals from all over the world.
4. Market analysis summary
The Persepolice Bank will target to provide all the international banking services in Europe and International market. The bank will reach these segments in several ways, including direct mailings, brochures, through a website and e-commerce, advertisements in trade publications, and a demo unit. The main segments that will be targeted are the Europe market as a whole, international markets. All segments have a high percent growth rate.
In regional terms, we are concentrating on Europe, where we provide integrated financial services, operating a nationwide branch network to advise and sell our products to all customer groups. In corporate business, we also look upon Western, Central and Eastern Europe as our core market and North America as well.
As with many other specialty items, a key approach in targeting future customers is advertising in trade publications and trade shows. This allows the customer to compare the quality and prices.
5. Strategy and implementation summary
The set-up of any company in Switzerland progresses naturally in several stages. There exists official companies that will make this service and will be there every step of the way to eliminate any problems of a practical nature and thus allow us to focus our efforts on managing your business. They can take charge of the entire procedure and make our transition to Switzerland as quick and agreeable as possible.
Swiss cantons are very different in terms of language, culture and taxation. Major factors such as the proximity of airports and highways aside, there are many subtle distinctions that make the comparison of different areas in Switzerland indispensable before settling there.
We can wait until obtaining the residence permit before incorporating a Swiss company. We have the choice of forming a business corporation (100,000 Swiss francs of registered capital, of which 50,000 francs must be released at the time of the incorporation) or a limited liability company (20,000 Swiss francs of registered capital). Once they have checked that the company name is free, and the articles of incorporation, the administrators and the incorporators have been chosen, and the capital has been deposited, the company can generally be incorporated in less than two weeks..
Once we have their premises, there are still a number of things to deal with before we can begin to work: telephone lines, fax, photocopiers, computers, furniture, Internet connections, cleaning services, etc. They can save us precious time by giving us the benefit of our experience to find the best suppliers and service providers for the best price.
As the head of a business, we would no doubt rather concentrate on developing our new company than spend time running about after apartments, schools, cars, telephones, etc. Let them handle things, and that way we can get to work without delay.
6. Management Summary
6.0 Management Summary
Persepolis Bank is an investment company owned and operated by **. The company will add personnel as it grows, based on projections and timetables, keeping the cost of overhead low. The following is our plan for management, staffs, and additional employees.
6.1 Personnel Plan
The personnel plan layout is the foundation for Persepolis Bank having the key people in place will enable the company to start with a solid foundation. Employees will be added as business necessitates them.
Bank in brief
Persepolis would be global bank headquartered in Geneva
It is focused on serving its clients in three business lines:
Investment banking, private banking and asset management
Persepolis will renown for providing expert advice and holistic
Solutions and innovative products to a wide range of corporate and
Institutional clients and high-net-worth individuals globally, as well
As retail clients in Switzerland
The vision of Persepolis is to become the world’s premier bank, renowned for
its expertise in investment banking, private banking and asset management, and
most valued for its advice, innovation and execution.
In investment banking, Persepolis will offer securities products and financial
advisory services to corporations, governments and institutional investors.
Operating in ** locations across ** countries, Persepolis investment
banking business specializes in innovative solutions, drawing on expertise from
across the full spectrum of products.
Products and services include debt and equity underwriting, sales and trading,
mergers and acquisitions, investment research, correspondent and prime
brokerage services
In private banking, persepolis will provide comprehensive advice and a broad
range of investment products and services tailored to the complex needs of highnet-
worth individuals globally. The bank structured advisory process encompasses both asset and liability management. Wealth management solutions include tax planning; pension planning; life
insurance solutions; wealth and inheritance advice, trusts and foundations.
We will offer multiple booking platforms and global execution capabilities.
In Switzerland, persepolicebank will supply banking products and services to private
banking clients as well as to business and retail clients.
The bank will manage portfolios, mutual funds, and other investment vehicles for a broad spectrum of clients globally ranging from governments, institutions and
corporations to private individuals persepolicebank offers investment products across the full spectrum of asset classes, ranging from equities, fixed income, commodities and multiple-asset class products .
persepolis will be a world-leader in providing alternative asset solutions, and offers the full range of alternative investments including real estate, hedge funds, private equity and volatility management. The bank asset management business will be operated as globally integrated network, creating continuous cross-border information sharing to deliver our best investment ideas and capabilities to clients around the world
Corporate Governance
The Board of Directors is composed of a majority of independent members.
The Audit Committee and the Compensation Committee are exclusively
composed of independent members not holding an executive position within the
Group.
Code of Conduct: The Group strives to act with integrity, responsibility, fairness,
Transparency and discretion at all times.
The Group’s external reporting provides an accurate, fair and transparent picture
of the Group’s financial condition.
Strong internal and external auditors are critical for providing an independent
Assessment of the Group’s operations and internal controls.
Board of Directors of Persepolicebank Group
Chairman of the Board of Directors
Vice-Chairman of the Board of Directors
Chief Executive Officer Private Banking Chief Financial Officer of persepolisbank
Chief Executive Officer Asset Management Chief Risk Officer of persepolisbank
Chief Executive Officer Investment Banking General Counsel of persepolisbank
Executive Board of persepolicebank
Chief Executive Officer
Chairman of the Group Executive Board
Heads of Business Divisions
Chief Executive Officer
Private Banking
Chief Executive Officer
Asset Management
Chief Executive Officer
Investment Banking
Chief Executive Officer
Chairman of the Executive Board
Private Banking Services
Retail Banking will bean important pillar of the bank group. The close cooperation with the banking department Asset Management means that private customers at persepolisbank profit from individual counseling and innovative products.
At over ** branches competent counselors are ready to assist our millions private customers in all issues connected with money. Besides this branch presence, with persepolicebank Telephone Banking and our Branch in the Internet we offer two other access routes which you can use for your transactions independently of time and space.
Persepolis would be also a financial consulting firm. With offices in Geneva, and over ** locations (our headquarters), we serve clients from different countries
With Direct Net we make payments and issue securities orders directly from your computer. You benefit from the following functions:
Settle bills
Carry out transfers between accounts
Execute file transfers
Create payment and salary lists
Receive and pay e-Bills
Check balances of accounts and safekeeping accounts
Place stock market orders
Call up news, analyses and charts
SMS and e-mail alerts.
Personal Banking
From opening a checking account online to buying the perfect home, PERSEPOLIS would be the partner that can help clients take charge of their financial future by planning in the present
PERSEPOLIS offers a range of products that meet the everyday financial needs of individuals. We serve millions of clients around the world, with leading operations all over the world
personal banking services offered by Persepolis
• Personal loans
• Credit cards
• Mortgages
• Savings
• Retirement planning
• Education planning
• Personal internet banking
• Insurance
PERSEPOLIS will also offer a relationship-banking approach for mass-affluent customers, professionals and business owners. Our approach would be designed to meet our clients' needs for individual recognition and fulfill their desire for a greater range of products and services, beyond simple banking transactions.
Private Banking
We will offer highly personalized banking for our private clients, aiming to structure and enhance their wealth with services ranging from discretionary portfolio management to international estate planning and trust.
Private clients will have an assigned relationship manager who will discuss their unique financial circumstances with them and tailor products to meet their objectives.
We can help private clients in the following areas:
• Banking
• Investment advisory
• Discretionary portfolio management
• Investment funds
• International estate planning
Business and Commercial Clients
We offer a full range of commercial financial and lending services for small to larger-sized businesses.
Our services can help clients finance their business, manage their cash flow, trade internationally, succeed in e-commerce and find new opportunities.
With many of customers around the globe and a major presence in a range of markets, we will have considerable scope for economies of scale and sharing of best practices. We will have a local presence and a domestic focus on our various markets. At the same time, the advantages we gain from the synergies between our businesses benefit our clients.
Our experienced professionals will operate a team with specialists from all areas of our organization, tailoring solutions to meet our clients' needs.
Corporate and Institutional Clients
Our clients will increasingly require a comprehensive choice of products, specialist skills and excellence of service, both locally and globally.PERSEPOLIS meets these demands by integrating corporate and investment banking services for our corporate and institutional clients across **countries.
This combination offers clients the best of both worlds: a full spectrum of products that give them exactly what they need, regardless of whether they are a mid-sized company or a world leader in their sector.
Our aim is to be the preferred corporate and investment banking provider for global pioneers operating across regions, including both rising champions in emerging markets and ambitious companies in developed markets.
We shall meet our goals by delivering a full range of tailored advisory, financing and operational services to our clients, with the intent to maintain our top positions in selected sectors and products. This leading position gives us the appropriate scale and stature to guarantee the highest level of service expected by our clients.
Our client-focused approach will offer our clients a single point of contact providing a gateway to all the bank's products. We don't focus on short-term profit, but concentrate on building long-term relationships and standing by clients whenever they need us.
Asset management services
We provide fund manager identification, assessment and selection services to Institutional Investors across Europe. By adopting a rigorous, exhaustive and transparent process combined with comprehensive coverage of potential fund managers, we ensure that the most appropriate and competitive offering is identified - most closely matching our clients' requirements.
Our collective knowledge of the institutional fund management marketplace, our comprehensive research and analysis are drawn to scope out the universe of appropriate fund managers. Our proprietary IT system enables us to approach the broadest possible selection of potential providers.
Persepolisbank then supports the client through the due-diligence process necessary to identify a suitable fund manager deemed capable of responding to the requirements of the specific mandate.
Mutual Funds
PERSEPOLIS will provide individuals, private clients, institutions and leading financial intermediaries with a full range of investment fund products and services. These consist of families of mutual funds, unit trusts and investment trusts. Other collective investment schemes are offered, as well as a range of alternative investment products.
PERSEPOLIS will manage over ** billion in these funds worldwide. Assets are managed through our central operation, PERSEPOLIS Investment Management. Together, these resources enable us to combine ‘top-down’ market analysis with ‘bottom-up’ stock research and local knowledge in all major markets.
PERSPECTIVE FOR THE ORGANISATION CHARTERING
For the organization chart as international business i can consider three major line with the following
ports. All the three parts will perform under the administration service group which spoken in the
management team part in the business plan . Senior executive committee, board chairman, president or CEO, and senior vice president.
1. Line one
a. fund raising and fund management division
b. investment and funding group
c. portfolio management and money-market desk
d. institutional banking department
e. capital market department
f. asset/liability management
g. planning department
2. Line 2
a. funds-allocation division
b. commercial financial service group
c. commercial credit department
d. commercial real state department
e. corporate service department
f. credit card department
g. affiliated bankers group
h. loan review group
i. loan work out group
3. Line 3
a. personal financial service division
b. private banking service department
c. trust services
d. executive and professional service department
e. residential lending department
f. customers service department
g. safe deposit department
h. lobby service group
i. motor bank department
j. marketing department
There would be other lines one for
international banking department that operates
multinational loans ,
trading finance ,and
foreign office group
And the second an
operations department having auditing and
control department ,
branch office management department
human resources department ,
teller department ,
securities department
regulatory compliance group .
Financial statement for the first year activities
Income statement for year one of the bank activities (in millions usd)
Interest income
1. Income on C&I loans 743.40
2. Income on real state loans 582.68
3. Income on consumer loans 375
4. Income on other loans 1.53
5. Income on leases 8.56
6. Total interest on fees on loans and leases 1,711.55
7. Interest on deposit at other institutions 4.53
8. Interest on fed funds and RPs 33.67
9. Interest on US treasury and agency securities 249.99
10. Interest on municipals 56.11
11. Interest on other debt and securities 263.92
12. Total interest income on investment securities 608.22
13. Total 2,319.77
Interest expense
14. interest on now accounts 64.78
15. interest on MMDA accounts 207.58
16. Interest on other savings 44.53
17. Interest on retail CDs 86.21
18. Interest on wole sale CDs 394.16
19. Total interest on deposit accounts 797.26
20. Interest on fed funds and RPs 257.23
21. interest on other borrowed funds 3.87
22. Interest on subordinated 47.34
23. Total interest expense 1,105.70
24. Net interest income 1,214.70
25. Provision for loan losses 46.70
Non interest income
26. Income from fiduciary activities 196.18
27. Service charges on deposit accounts 190.80
28. Other gains from trading assets and liabilities 14.70
29. Other non interest income 271.70
30. Total non interest income 673.38
Non interest expenses
31. Salaries and employee benefit 597.21
32. Expenses on premises and fixed assets 175.83
33. Other noninterest expenses 425.96
34. Total noninterest expenses 1,199.00
35. Income before taxes and extraordinary items 641.75
36. Applicable income taxes 222.92
37. Extraordinary items 0.00
38. Net income 418.83
the above income statement does not include income from forex activities i can not anticipate that now . Let me provide it later.
Balance sheet of Persepolis for the first year (the amounts are in millions usd)
Assets
1. Vault cash 396.44$
2. Deposits at federal reserve 105.11
3. Deposits at other financial institutions 388.80
4. Cash items in process of collection 1,285.45
5. Cash and balance due for depository institutions 2,175.80
6. Interest bearing deposit at other FIs 44.72
7. Federal funds sold 1,077.50
8. Repurchase agreements 22.20
9. US treasury securities 1381,00
10. US agency securities 987.00
11. Securities issued by state and political subdivisions 909.06
12. Mortgage backed securities 4,842.90
13. Other debt and equity securities 916.04
14. Investment securities 10,180.42
15. Commercial and industrial loans 9,613.20
16. Loans secured by real state 4,669.20
17. Consumer loans 5,344.40
18. Other loans 20.90
19. Leases 169.20
20. Gross loans and leases 19,826.90
21. Less: unread income 63.70
22. Reserve on loans and lease losses 383.00
23. Jet loans and leases 19,380.20
24. Premises and fixed assets 637.50
25. Other real state owned 26.78
26. Investment in unconsolidated subsidiaries 1.00
27. Intangible assets 345.50
28. Other 956.60
29. Other assets 1,967.38
30. Total assets 33,703.80
Liabilities
1. demand deposits 5,824.56
2. NOW accounts 1,011.47
3. MMDAs 8,399.41
4. Other saving deposits 1,616.50
5. Retail CDs 7,570.32
6. Core deposits 24,422.26
7. Whole sale CDs 1,471.90
8. Total deposits 25,894.16
9. Federal funds purchased 1, 608.82
10. Repurchase agreement 752.38
11. Other borrowed funds 1,398.90
12. Subordinated notes and debentures 615.13
13. Other liabilities 30,775.74
14. preferred stock 0.96
15. common stock 129.62
16. Surplus and paid-in capital 984.56
17. Retained earning 1,812.62
18. Total equity capital 2,928,06
19. Total liabilities and equity capital 33,703.80$
Persepolis trust services
The purpose of this part is to provide several of the most important of the non deposit financial services of our project. banks has faced an increasingly intense struggling recent years to attract funds needed to make loans and investments and boost revenues .one of the most fertile fields for greater future growth in bank revenues and profits has appeared to many bankers to be non deposit
bank service lines including many new non traditional bank service offerings. these nontraditional bank services include fees generated by offering trust services to businesses and households ; by executing customer orders for purchases and sales of stocks, bonds and mutual funds ;and by selling insurance related products such as life and casualty insurance policies ,annuities and retirement plans .
In trust services we manage the properties owned by bank customers, such as securities, land,
Buildings, and other investments .in trust department we will generate very large deposits because we manage properties for the customers which usually include business firms, units of governments,
individuals and families ,and charities and foundations .our trust department function in a tremendous variety of roles. it routinely serve as executers or administers of wills, identifying , inventorying .trust department act as agent for companies and need to service security issues ,such as issuing new stock, and issuing retiring bonds for client firms .and often manage the pension or retirement plans of both businesses and individuals .
Persepolis brief description
I am going to describe briefly the products and services of the Persepolis project .
first let me go through the name of Persepolis . I am going to replace the name Persepolis
by the similar one Persepolis which is more convenient . As I told we have to offer several
names in the registration of the company and it will be searched if it would not have any conflict
with other intellectual properties .i think our first offer may be Persepolis . The cause of the choice
of this name was that i was going to use a very beautiful home page of Persepolis historical
place for the bank home page website . May be I select another name. because I am also going to set up this bank in a complete American manner and style .
For the bank products in the first step are the retail banking services that we can even copy from other banks. Perhaps we may choose some lower prices for encouraging the clients .let me list
these products as I remember . May be some details be added
1. Carry out transfer between accounts
2. Creative payments and salary lists
3. Receive and pay e-bills
4. Check balance of accounts and safekeeping accounts
5. Personal loans
6. Credit cards
7. Mortgages
8. Savings
9. Retirement planning
10. Personal internet banking
11. Insurance
12. Investment advisory
13. Managing many ATMs and their cards services
14. Online banking services, mobile banking, telephone banking services.
15. Mobile banking services
16. Managing automatic loan machines
17. Managing self services machine
For investment banking we offer securities products and financial advisory services to corporations, governments and institutional investors. Products and services include debt and equity underwriting, sales and trading mergers and acquisitions, investment research, correspondent and brokerage services.
We will be a service provider and offer also direct investments services to clients to invest in
Forex and stock markets. We will provide brokerage services to invest in all the stock exchanges
And provide online trading, investment advisory, discretionary portfolio management, international estate planning.
In asset management we will manage portfolios, mutual funds, and other investment vehicles for a board spectrum of clients ranging governments, institutions, corporations to private individuals.
in the forex case we will be an international broker in forex .I am considering this for the next several years program and do not expect to do so at the first step because this needs much funding for example more than 500 bn usd . This is because in forex positions the amount of
each position will be multiplicated by 50 and this needs a huge back up of assets . For example if you study internax it has at the moment 700 bn asset under management . Although there exists
some companies with 300 or 350 bn usd that have some smaller and restricted motivations in forex and stock investment .our mutual fund part is also a subsidiary of this part .
In business and commercial port we offer full range of commercial financial and lending services for small to large sized businesses .with many customers around the globe and a major presence
In a range of markets we have considerable scope for economies of sale and sharing of best practice.
About the Author
John Robert Schneider
Source: ArticleTrader.com
