5 Year Business Plan



Opportunity Bank X5 Year Business Plan(2015-2019)Submitted by: Opportunity Bank X Leadership Team1/1/2015Business Background Brief history, legal standing, ownership structure, scale (client numbers, loan portfolio etc.), areas of operation, services offered. Mission, social objectives. Summary rationale for intervention (e.g. rural or youth poverty, lack of government services). Lives Impacted in country and Job CreationSummary table with last 2 years of data and projecting forward 5 years with rows for……loan clients…deposit clients…jobs created…clients below the poverty line…rural v urban clients…youth clients (or female clients, or minority group clients)Market Position/Competition in (country) MFI MarketList of major competitors with scale (number of loan/deposit clients, portfolio size, market share), geographic spread, average loan value, products offered.Client satisfaction survey data – key strengths and weaknesses as reported by clients. Client retention rate by area, product. Reasons for drop-outs from client drop-out surveys. Plans to tackle competition, win market share, improve sustainability… …noting impact on client base, client benefits.Key Summary Projected Results and Operating StatisticsProjected results reflect the organisation’s drive at achieving profitability and self-sustainability……while reflecting social goals, and potential trade-offs between financial and social goals – e.g. if you set targets for caseload you will reflect potential negative impact on social goals of efficiency considerations Staffing and Personnel ProductivityHistorical, present and projected staffing tables… …reflecting the costs of implementing best practices and ensuring the desired ongoing level of client service. Productivity targets (e.g. Loan Officer Caseloads per branch)… …reflecting possible trade-offs between productivity and client service.Employee Engagement Survey resultsPersonnel Gaps and HR DevelopmentCountry SummaryCompetitor Summary and TrendsAs per section 3.Key Goals for 2015Overall Goals for the next year (including social goals and objectives) Key Donor Deliverables for 2015 Implementation of Mobile MoneyImplementation of TechnologyTechnology Plans -Include needs for management and reporting of social data – e.g. T24 upgrading. Implementation of SPMSummary of SPM program progress and SPM implementation plan for coming year. Implementation of Other Global InitiativesCredit Products StrategiesSections on new services and channels should set out evidence on client needs, client feedback. Should explain how new services and channels will contribute to social goals.Branch Analysis and Strategy on Bottom 20%Branch profitability and efficiency dataSocial data by branch Risk ManagementRecurring risks/control weaknesses identified by internal and external auditors.Plans to implement best practices – contribution of best practices to risk reductionSWOT AnalysisSWOT from operational perspective, including relevance of SWOT elements for social goals.Could include SWOT for the organisation as perceived by clients. [Health and happiness of the clients will eventually be reflected in the organisation’s health and happiness!] ................
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