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THE WORLD’S #1INTERNATIONAL BUSINESS BANK

THE WORLD’S #1INTERNATIONAL BUSINESS BANK

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© 2013 International Business Bank project. All Rights Reserved.

The International Business Bank projects Business Plan.

www.internationalbusinessbank.infoibb@lawyer.com

T: +46737224554

The International Business Bank projects Business Plan.

www.internationalbusinessbank.infoibb@lawyer.com

T: +46737224554

IBBBusiness Plan

Welcome to International Business Bank project business plan. My name is Jussi Myllymaa and this is my project.

Background to the idea came from a movie. At the movie clients get banking service at their home, business, vacation location. So why no banks offer this? Bank and financial people is very structured into their business. Cant see much outside of it. This is maybe why bank business have not changed much in hundreds of years.

I have spent some years into look what can be done. This Business Plan will be the result of my studies, start a bank that is more secure, give better and more secure profit for all.

How a bank works:

A Bank lend money from their clients or other financial institutions for to lend or invest in clients or banks investments or projects..

Money rotation make money for the bank.

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IBBBusiness Plan

The risk is always when a bank need to loan funds for their own operations. Today we know international banks have had 80-90% in loans for to run their operations. This kind of thinking do not have any future, now we all know that..

I signed a contract of 75 000 000 € investment summer 2012. The investor run into this problem in person. The bank could not pay out investors funds because the bank did not have that money.

What will be the difference with International Business Bank?

The difference is that we put the bank workers on the field. The international bank will have a few bank offices around the world that take care of the world wide operations.

The idea is to have bank representatives around the world. These representatives will find new clients, will serve the clients, will take care of all clients financial needs.

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IBBBusiness Plan

Our clients will get the best possible international bank service that exist. Most part of the world in business banking the bank visits is only for to sign documents. Also to talk and get new products and information. Why a client need to spend entire day on to go to their bank for sign some papers?

We bring the bank to the client for to sign the papers. Same time representative get to know the client and clients needs, representative may offer client better banking services, and sign up client for other services.

The clients will be saving time and money, they can concentrate on making more money.

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IBBBusiness Plan

Our clients will get the best possible international bank service that exist. Most part of the world in business banking the bank visits is only for to sign documents. Also to talk and get new products and information. Why a client need to spend entire day on to go to their bank for sign some papers?

We bring the bank to the client for to sign the papers. Same time representative get to know the client and clients needs, representative may offer client better banking services, and sign up client for other services.

The clients will be saving time and money, clients can concentrate on making more money.

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IBBBusiness Plan

Thanks to this system the IBB operational cost can be kept on a low but very effective level. The effective ratio on each € will be very high. We will get more own capital, that make it possible to give better offer than other banks that need to lend money for to lend them to their clients.

Representatives need to have 1 clients per week for to make some money, and deposits over 1 000 000 €. We look in 2 years to have more than 500 representatives around the world.

500 reps X 1 000 000€ deposit/1 client X 50 weeks =25 000 000 000 €/year. Off-course there will be institutional clients that go in for lots of more.

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As a International Business Bank project obtaining a permanent place in a international marketplace is our primary goal. We wish to acquire international renown within the next year.

We see it as our main mission to provide high quality, higher standards, lower prices, and a better service to the targeted markets. Basic corporate objective is reflected in everything that we do, which is to contribute to the enrichment of the quality of Business people around the world.

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Business goals / mission

IBB will be an international business bank in the broadest sense of the word. We will offer best possible service and market line of worldwide International Bank services. As more and more of the business population gain an interest in International Business Bank project the demand for our concept has also increased.

To meet the expected demand for International Business Bank, as well as The IBB World Wide service concept, IBB is seeking the financing necessary to add launch IBB project worldwide.

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Business description

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The company will start when funded. The company form is going to be, Joint Stock Company, according to Austrian Banking act rules.

Registration will be in the country of Austria under city of Vienna, Austria, EU. In this include as well registration off bank offices in Hong Kong, China, and Latin America. This also include client and representative service office in Southern Spain.

The company will employ 45 people in the head office, including The management team, who will run the project, +15 person in the service office, and total 10 persons in other bank offices.

Business formation

By combining experience and great service IBB will be able to create a high satisfaction level.

IBB will use advanced technology and offer a high quality product mix.

Our corporate philosophies are embedded in our customer oriented management and operations, providing excellence in our products and services, continuous efforts to expand our future existing market and create new markets, commitment to care for end users by providing even better service after sale, pursuit of further globalization of IBB’s business fostering positive growth through diversification. These philosophies shall be incorporated at all levels of the company.

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Business philosophies/identity

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We are planned to be located at Vienna Stock Exchange building, Vienna, Austria, EU.

This location has been selected because of its low price, top location, esteem, size, visibility, and image.

The world head office will be situated in a main business district.

The location will provide our employees as well as our customers with the necessary accessibility.

Location

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The primary market will be local and regional and international due to location of the business in the center of town close to the business district.

IBB's international activities are enhanced through a range of co-operative relationships with entities such as: Legal & agent networks

Governmental & diplomatic links

Client branch & trade bodies

International Chambers Of Commerce & credit reporting agencies

Major financial institutions

Geographical markets

The planned company can look forward to a promising future, because of: our experienced staff,

our careful planning,

the potential of the targeted market segments,

And worldwide representative network.

Our pre-market research has shown the market to have plenty of room for a business such as IBB intends to run. The management style is flexible, progressive and energetic.

Enthusiasm of the management as well as the employees will greatly stimulate the envisioned growth.

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Vision of the future

Business objectives

Increase annual revenues with min. of 50% over the next 3 years

Company growth by 250 %

Become established as International Business Bank_

Financial objectives Obtain financing in the amount of € 75 000 000

Marketing objectives Start a / Improve the company presence on the Internet

Expand marketing reach

Increase brand name recognition

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Main objectives

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Measures and Targets

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IBB is becoming a recognized industry leader because of the following key advantages:

A unique e-commerce marketing proposition strongly positioned. Established partnerships with International Banks & Financial institutions

& brokers. Senior management has significant International Banking experience. Maintains a high-quality real time financial information system. IBB has consistently set and achieved financial measures in the areas of

liquidity, and profitability and is positioned well for future growth. IBB has no long-term debt. IBB will be a closely held corporation with the potential to raise additional

equity funds. While the founder(s) want(s) to maintain a majority control, they is interested in raising capital by selling stock to management, key employees and area business people and investors.

Key advantages

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Strategic positioning IBB differentiates and financial industry positions its business from the

competitive offerings by build a reputation in servicing the financial industry with its products, providing International Business Banking services, its concern for the environment, and its service (a no-questions-asked money-back guarantee of all products sold and the best-trained service personnel in the category).

Strategic alliance IBB will be successful in establishing alliances with International and local

Banking companies for collaboration. IBB will co-operate with Mayor world financial institutions. IBB will be in charge of choice of product mix, purchasing and supply. The prices are determined by IBB / the co-operation.

Strategic alliance & positioning

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IBB estimates first operative year sales to reach € 100 000 000, with net earnings of € 15 000 000 (15 percent of sales). Sales are expected to reach € 2 500 000 000, with net earnings of € 500 000 000(20 percent), by the end of third operation year.

Sales

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Sales

Sales MOU: Representatives will search and bring in clients. Representatives need to bring in at least one client a month to continue as representative. If representative bring in less than one client / 1 000 000 € a week, representative will drop in the reward system, result much less paid. Lots off already existing representatives have a ready network of clients. IBB also have a network of clients, worth: +3 Billion €. All numbers are based on that each representative bring in one client each week that deposit a minimum of 1 000 000 €. On this we will off course get clients that want deposit instruments, commodities' and more. Main cash flow is calculated of amount of representatives each year x 1 client a week, = cash flow. On this will also be cash flow from services.

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IBB will obtained the following required licenses:

Full European Bank license Hong Kong off-shore bank license, after 3 year full license. Brazil, Full banking license. Costa Rica, Off-shore banking license.

Licenses

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The Board of Directors consists of 3 President, and they have the principal responsibility for fulfillment of the company's mission and the legal accountability for its operations.

Our Board of Directors further ensures adequate human and financial resources and actively monitors and evaluates the organization's executive director/CEO, as well as the overall financial results.

Directors

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The Board of Directors experience Only for investors

Directors

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IBB’s management team has direct knowledge of the industry, extensive research experience, and professional administration skills. Our team includes the presidents and professionals with International Banking experience.

IBB’s offers all its officers competitive salaries usually augmented by share options which are exercisable at the end of first operational year, and are contingent upon maintaining tenure for 5 years. These options represent 5% of the issued capital of IBB. Officers together can also subscribe for €3 750 000, in equity.

Management

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International Business Bank need: 75 000 000 €uro for to start and run operations. 25 000 000 €uro is a deposit for to get EU license, Honk Kong license, Brazilian license, Costa Rican license. In some of countries part of the license amount need to be deposited in that countries central bank. Other countries need to have deposited the amount on any top bank. The amount need to be fully available for the Directors of the bank.

Deposit funds will be returned after bank license is granted.

The directors want 3 year guarantee salary. This salary will be deposited in the bank, and will be connected to performance and result of the management teams work. Also there will be a trial time in hiring the management team.

We are aware of that there will be lots of High Professionals that will apply for to work in the IBB when all is operative.

We have select the best and cheapest options for the world head quarter.

We have also the cheapest and best options for other head quarters.

Plan is to get operative as fast as possible..

Funds required

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The marketing service concept of IBB has been selected as follow:

1. The representatives will search for new clients

2. The representatives will serve the clients

3. The representatives will also be part of marketing.

With the information we get from representatives, market department will tailor made the market campaigns of each clients needs. Representatives will present these to the clients in person and sign them up. We will also use social media, e-mail campaigns to clients that signed up for newsletter. We will also be some times in worlds leading financial magazines. Main marketing tools will be representatives, internet and socialmedia.

Marketing

Products Deposits, CDs, Asset management

Markets cheapest international transfer

Credit cards / Fast credits / Financing

Bank guarantees /Letter of credits

Financial instruments / Commodities

Financial platforms

Swap

Exchanges services

International legal, & accountant services

Provide international investments with the local knowledge

Mergers & acquisitions

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Product mix

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At IBB the following tools are used to analyze and to explore the market:

inquiries with existing and potential customers

request information from branch organization and / or union

collect reports of international / national bank market_

collect information of strategy and operation of competitors

The size of the Financial service market worldwide is estimated at € Trillions annually. IBB will captured about 1% of the worldwide market.

Mr. Jussi Myllymaa undertook substantial research prior to start IBB project. The focus of this research was to see the needs of this kind of service in the worldwide market. Result was very positive.

Market analysis

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Market share objectives

The number of direct competitors is estimated at 10. Competitor A: HSBC and competitor B: DB are to be considered market leader.

Market coverage

Our clients will originate from many business sectors such as:

Banking & insurance 10 %

International trade 10 %

Single wealthy people 5 %

International business corporates 50 %

International trading companies 20 %

Others 5%

Market analysis

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An important part of IBB’s marketing goals and strategies is maintaining its level of quality and associated services. IBB has decided on a strategy in the International market is at least that of a top 10 bank.

IBB aims to have an turnover in 2017 to € 65 500 000 000 and to realize an annual increase of at least 25 % in the next 5 years. We also wish to further build up the company’s reputation in the targeted market areas. Maintaining / lowering the cost at its present level is also a primary goal.

To realize a higher gross profit margin of up to 250%.

Steadily increase turnover by at least 100% each year for the next 3 years.

Eliminate complex and time-consuming procedures.

Enlarge the recognition factor of the brand name.

Increase revenues.

Marketing goals

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Increase the worldwide representative network to 250 countries and territories.

Increase the collaboration network of financial brokers, institutions. start promotional actions reaching more potential customers.

sponsor non-profit organizations, charities and community programs.

keen sales communication.

keep in contact with existing customers.

market research projects to determine target groups.

Personnel and the marketing concept

The employees must be able to carry out the philosophy and the strategy of the company. This will be emphasized until the strategies are carried out as planned and the results are obvious. All new strategies are to be forwarded and discussed with the employees on a regular basis during the weekly & monthly meetings.

Marketing strategies

The strong points of IBB in comparison to these competitors:product line 1: Representative serviceproduct line 2: Worldwide local knowledgeproduct line 3: Flexibility

These strengths can be maintained without/only with modification of the current strategies.

The weak points of IBB in comparison to these competitors:product line 1: Managementproduct line 2: Organizationproduct line 3: Own market platform

These weaknesses form [a/no] threat on the short term, {but most definitely on the longer term}.

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Competitive research

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Pricing strategyIn the IBB branch of business there is an overall tendency to consider the competitive offers as well as the degree of acceptance by the customers when planning a pricing strategy. IBB follows this tendency.

Pricing policyIBB’s products are priced at a slight premium over competitive offerings. Extensive promotional activity, including free trial, free account set up help to ensure that customers perceive that they are receiving higher quality products and prompt, courteous service in exchange for the slight premium in price.

Our prices are calculated as follows:

The IBB will be a bank, and bank main income come from commissions.

IBB charge commissions from all services. However for institutional clients there will be less charges and fees.

Pricing strategy

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Sales promotion plays an important part in the role of the modern international banking services. The demonstration, sales, of the products goes together with maximum customer loyalty.

To be able to fulfill such a function we need: to be accessible

the proper product mix

the correct levels of pricing

to present the products (correct merchandising)

professional and ready to please personnel

The best method to sell a customer is by personal contact. In order to get the customer interested and motivated we combine an advertising and promotion plan with active acquisition.

Sales management

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The distribution function of IBB consists of the following:

1. Banking services

2. Financial services

3. Broker services

4. Business services

5. Legal services

Main distribution line will be through worldwide representative network.

Other distribution will be through worldwide collaboration networks, internet & social media.

Distribution

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Distribution channels

Distribution channelSales in Million€uro

Percent

total sales

Rankin sales

Averagesales per

monthMillion €uro

Own sales force internal 600 3 50

Own sales force external 900 2 75

Representative network 1200 1 100

Representative network 120 4 10

Independent brokers 12 6 1

Other financial institutions 48 5 4

Independent non reg brokers 12 6 1

Other channels 12 6 1

Sales on commission

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These have the potential to contribute to the gross profit margin of IBB and are therefore part of the marketing strategies. We consider direct contribution to the size of the gross profit and direct contribution to the reputation of considerable importance.

Our client service department has to maintain and serve clients 24/7 in the worldwide clients main languages..

Other is our representative service. Our representative department will also serve worldwide representatives and country leaders 24/7.

Each country will have a country leader that will take care of main institutional clients in the capital. Country leader will also be in charge of the representatives in his country. Top representative will be country leader.

Service and Support

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IBB will use latest technology in mobile banking, as well on the field. Representatives will use mobile app, or mobile website for to register new clients, and for to show clients our services in each clients own languages.

Representatives and other field workers will use IBB own mobile app system. Clients will also have access to a secure app system. The app will support forms data, images and even videos. 

All our mobile information flows are password protected using LDAP login technology, are encrypted using the latest encryption standards, are secured using the HTTPS protocol and use the highest level of remote device management available today.

Data is stored in XML and CSV formats to ensure compatibility with the back-end server as well as popular data formats widely used.

IBB will be using the following providers and services:

Each representative use their own mobile with IBB representative app

IBB field workers will use international good reputation operators.

Mobile technology

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IBB’s identityThe identity of the company will be made clear by its interior furnishings, decoration, its shop window(s) and outside sign (board). Because our products are _International Financial services_ the design will be modern / classical / high tech/ and this will be reflected in our services and marketing.

Operating hoursThe business will be 24 hour a day, 7 days a week, and will NOT be closed for Christmas, Thanksgiving, the Fourth of July and other national holidays.

LocationWe are going to be located at Vienna Stock Exchange building, Vienna, Austria, EU. This location has been selected because of its low price, top location, esteem, size, visibility, and image. The office will be situated in a business district. The location will provide our employees as well as our customers with the necessary accessibility.

Operations

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PremisesIBB will in the beginning rents,1400 m2 building(s) with a combination of Bank office and VIP space. Our major investment in equipment is for servers, PCs, copiers, net servers, security system, office furniture's, VIP department design, furniture, communication equipment, mobile communication equipment. This equipment will be leased & owned.

SecurityThe office will be outfitted with a state of the art security system in addition to smoke alarms and a sprinkler system. This will include a CCTV (closed circuit television) system for surveillance of the entire store, as well as all corridors, elevators and stock area. Hand picked security guards will be securing High level clients security.

AccessVisitors will be picked up at airport. VIP will be flied in.

Operations

We will have an advertising and promotion expenditures10% of the annual turnover.

The main promotion and advertising is direct contact with the clients. Our representatives and country leaders will contact clients directly, give possible clients all necessary information. Sign up clients.

In the projections in 2014 10% and in 2017 5% of the annual turnover is reserved for advertising and promotion goals. IBB’s promotional plan is diverse and includes a range of marketing communications. We will have a Grand Opening on date which will be advertised in local newspapers, and local radio channels. To support expansion efforts, IBB considers using popular media, such as TV, radio, newspapers and the Internet to advertise.

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Advertising and Promotion

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The following goals and strategies will be used for the next 3 years and are to be implemented in a detailed advertising and promotion plan.

1. Increase of initial sales or requests for a quoStrategies: Five trade show per year Direct marketing: per customer group and per product type & target Regional & International advertising campaigns

2. Increase of repeat salesStrategies: bimonthly leaflets to regular customers (by e-mail)/sms/mms planned repeat visits outside sales force

3. Enhance the company name within each segment of the marketStrategies: encourage regular customers to spread your fame keep the press informed, special media department

Advertising and Promotion goals

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Trade showsCompany representatives attend and participate in several trade shows such as International financial & banking exhibitions. IBB Will also arrange own exhibitions and invite collaboration companies and groups.

Print advertising and article publishingIBB’s print advertising program includes advertisements in retail trade publications such as WSJ. NY Times. Times. Billionaire. Banker. And many others direct mail pieces, brochures and other print media.

Public relationsPress releases are issued to both trade journals and publications such as local and regional newspapers, retail magazines, retail directories and _some of world biggest financial news paper.

InternetIn line with current trends IBB is developing a Web site through which it will be possible to order and to obtain information about the products. The Web site will offer video and slideshow presentations to enhance the visitor’s experience and to stimulate an online banking services. The client can chat by various different systems direct with the sales department.

Advertising and Promotion goals

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The media mix next year

Advertising and Promotion goals

MediaExpenditure

s p/yearFrequency

of adAdvertisement

size

Newspaper 500 000 Weekly

Magazines 100 000 Monthly

Radio 0 non

Direct mail 250 000 Weekly

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SWOT analysis

Strengths Weaknesses

Business climate Growth in consumer spending is fueling growth in visitor numbers.

An overcapacity in the industry has resulted in a deterioration of trading conditions.

Internal organization Flexibility Professional

Political factors Non Non

Social factors Flexibility Low consumer expenditure.

Workforce Flexibility Capacity in high peak.

Economic Our International strategy is flexibility. If some area suffer from crisis, we can switch over to other area.

Due to overcapacity in the sector profit margins are squeezed to the minimum.

Service Direct client service Non

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Problems and Possibilities

Problems /Threats

Possibilities /Opportunities

Economic In times of recession people may be inclined to spend less.

Offer monthly target promotions.

Internal organization Collaboration Fast changes

External factors New laws Flexibility (Fast changes)

Personnel Finding qualified personnel can be a tedious task.

Motivate current personnel.

Product linemixpricequalitycustomerscompetitors

The mix of product line will always be according to clients needs. The product line may not in the beginning be so large as competitors.

During the time we will offer larger product mix, with more products to our clients. This will increase put us on higher level than competitors.

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Management and personnel

AgeExperienc

ein years

Highestqualification

Salary€/month

Date

joined

Management

President President: Bank of America

150 000

President President: Euroclear 150 000

Head of Representatives

Jussi Myllymaa Financial market & sales leader

10 000

Dr: J Doctor 10 000

IT Service/Support

PK High IT Inventor 10 000

AS Educated by MS 5000

Sales & Marketing

W M S See CV 8000

Personnel analysis and expenditures first operative year.

Total number of staff 45

Total number of sales staff 20

Total number of non-sales staff 150

Total expenditures for staff € 2 160 000

Expenditures for the sales staff € 960 000

Expenditures for the non-sales staff € 150 000

Expenditures for the sales staff in % of sales 0.5-2%

Expenditures for the non-sales staff in % of sales 1-5%

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Management and personnel

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The administration is done by Administrators. They will also produce the annual profit and loss account and balance sheet as well as file our tax return. The day to day bookkeeping is done by computer.

Contingency

In the event anything might occur that prevents the director/the proprietor to conduct his/her business the following persons will ensure the continuation of the company: President and Vice Presidents.

Information

IBB has systems in place to provide the appropriate information needed by staff and board to make sound financial decisions and to fulfill IRS requirements.

Accounting principles

The projections have been prepared using generally accepted accounting principles that IBB expects to use when preparing its financial statements. IBB maintains a perpetual inventory method, whereby the inventory account is updated with each sale and purchase. We will know the value of our inventory at any given time during the year. We take a periodic inventory at the end of the year, and adjust the purchase, inventory and cost of services sold accounts at that time. We write the inventory down at this time and make one entry to record the inventory value less the write-down.

Administrative organization

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IBB will have suitable insurance coverage which is periodically reviewed to ensure that the appropriate levels and types of coverage are in place.

Fire insurance

Building insurance

Liability insurance

Burglary & dishonesty insurance

Insurance

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Risk management is managed by Presidents and Vice Presidents, and also in digital way. All transactions in and out will be digitally monitored. Mister AS responsibility will be to monitor all transactions, deals, and management team.

Mister AS will be in contact with Jussi Myllymaa many times during the day. Mister AS will monitor all offices around the world, and will travel when needed.

Mister AS will collaborate together with PK, the organization will be hand picked, and will have the highest security level.

Each department will be digitally monitored. Each leader need to know exact what their workers do, when and why.

Everything will be digitally monitored for to secure that no leaks, risk, or crimes.

Management team is first responsible for any risks, managers need always think about the risks when they make any decisions in the organization.

Risk management

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EconomyIn €urosCash Flow 2014 2015 2016

operation activities +800 000 000+20 000 000

000+60 000 000

000

financial activities +80 000 000+2 000 000

000 +6 000 000 000Investment activities 0 +10 000 000 +500 000 000

Net Cash flow = +880 000 000+21 980 000

000+65 500 000

000

Operational cost -100 000 000 -150 000 000 -200 000 000Investments 0 -150 000 000 -200 000 000Operational total = -100 000 000 -300 000 000 -400 000 000

Ending Balance =+760 000

000+21 680 000

000+65 100 000

000

Financial plan

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Timeline

From the day project get funded, it will take maximum 60 Days for the company to be officially registries. At same time investor/s and Jussi Myllymaa will get their shares.

In 70 days we will have the IBB head office ready for Grand opening.

In 90 days we plan to have offshore banking facilities opened (Latin America).

In 120 days we will have second offshore bank opened (Hong Kong).

In 6 months we will have full Austrian Banking license.

In one year we will have full European Banking license.

In 3 years we will have full Hong Kong Banking license.