Investment Highlights And Strategy

Investment Strategy 

Acquire baseline banks for immediate customer base

• Acquire controlling stakes in banks with meaningful clients base and market shares
• Prudent management track records and corporate governance
• Valuation cap: at >1 Price to Book Ratio (PB ratio) and PEG

Strategic innovations and business model shifts with steady customer base and operations

• Strategic innovations and deep wallet strategies - add/strengthen high EBDIT business segments, add products to achieve higher profit per customer , including strengthening retail lending franchise, enlarging investment banking and advisory capabilities and developing a comprehensive portfolio of products like private banking & asset mgt.
• Consolidate and attain size
• Four point factor as focus area
• Good Management
• Corporate governance
• Ethical practices
• Good financials and growth


Technological transformation strategies

• No Retrofitting – Redesign Banking with first principles
• Utility is king – focus on core utility to customers and redesign banking services using latest technology available, e.g. digital omni-channel for customers exclusively accessing banking via mobile devices
• Real time, low friction, low latency engagement and ubiquitous, inclusive financial services
• To lead ASEAN digital banking developments and Incubate new technology business units for spin-offs e.g. OneConnect Financial Technology (OCFT:NYSE) from the Ping An Group.

Innovate Use Cases with high growth industries to: (1) Drive traffic and usage; and (2) Market Discovery

• Innovate use cases to explain to stakeholders how to accomplish goals using the bank’s mobile payment & digital technology
• Establish new business units with pertinent industry leaders to drive traffic & usage and discover new markets. Generate disruptive and high growth performance, create values and facilitate spinoffs e.g. Alibaba, JD.com

World class partners to provide critical knowledge, technologies and talents

• Partnership with global bank for critical knowledge, technocrats and investment bankers
• New banking experience - Potential partnership with world-class technology companies for instant access to FinTech and advanced mobile payment technology and capabilities, talent pools and capital. e.g. Ant Financial and Tencent

Cultural affinity & local networks for ASEAN markets penetrations

• Ambitious yet attainable business growth plans with low risk & high return products, e.g.digitized mortgage plan to civil servants and Malay Chinese through exclusive channels; Bespoke wealth management services to ASEAN Middle Class & HNWI

High growth models to drive regional M&As, Leveraged Buyouts and leaderships

• Business expansion into other lucrative ASEAN markets where cultural and religious affinities plus available resources and connections can create unfair advantages and achieve abnormal returns

Balanced approach with diversified global fundraising

• Balance business interests from the US, China and Middle East investment groups