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TELENOR: From Cellular Networks To Financial Services: Team Infinity

Telenor entered the Pakistani market in 2005 and has since expanded its cellular business. It is now considering expanding into financial services through a partnership with a bank. The banking sector in Pakistan is underdeveloped, with only 14% of households having access to financial services. Regulatory restrictions also limit Telenor's ability to operate directly in banking. Potential solutions discussed include a partnership with an existing bank or acquiring Tameer Microfinance Bank, with acquiring TMFB seen as having advantages like greater control over deposits and a first mover advantage.

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Jessica Miller
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31 views

TELENOR: From Cellular Networks To Financial Services: Team Infinity

Telenor entered the Pakistani market in 2005 and has since expanded its cellular business. It is now considering expanding into financial services through a partnership with a bank. The banking sector in Pakistan is underdeveloped, with only 14% of households having access to financial services. Regulatory restrictions also limit Telenor's ability to operate directly in banking. Potential solutions discussed include a partnership with an existing bank or acquiring Tameer Microfinance Bank, with acquiring TMFB seen as having advantages like greater control over deposits and a first mover advantage.

Uploaded by

Jessica Miller
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PPTX, PDF, TXT or read online on Scribd
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TELENOR: From Cellular

Networks to Financial
services

Team Infinity

Company
Overview

Telenor
Entered
Pakistan

2005

ARPU $4

2006

2007

Yet to
achieve
break
even
profits

First take
of

Introductio
n

Problem
stateme

Causes
of

2008

Possible
Solution

Solutions
and
Implementat

Industry
analysis
14% households with
access to financial services

Official borrower
base 3.6%

5 branches and 0.53 ATMs


for every 100,000 people

Deposits and
advances
concentrated in
urban areas

Industr
y
Analysi
s
11% decrease in share of
assets of big 5 banks between
2000 to 2007

Introductio
UBL
Overview
n

Problem
Banking
stateme
sector

Internet banking
formed 0.03% of
retail payments

Causes
Financia
l
of

Possible
Valuatio
n and
Solution

Solutions
and
Conclusion
Implementat

Problem
Statement

What type of alliance with a bank


should be pursued given the local
legal restrictions and the benchmark
models in other countries?

Introductio
n

Problem
stateme

Causes
of

Possible
Solution

Solutions
and
Implementat

Problem Causes

ARPUs
Declining

TP profits
lower than
industry

TMFBs
Limited
branch
Network
Introductio
n

Problem
stateme

Profits and
Capex over
and
underestimat
ed
respectively

Regulatory
Restriction
s

Causes
of

Possible
Solution

Solutions
and
Implementat

Solutions

PARTNERSHIP

ACQUIRING
TMFB

MOST
PROFITABL
E GROWTH
OPTIONS?

WAIT AND SEE

Introductio
n

Problem
stateme

Causes
of

Possible
Solution

Solutions
and
Implementat

Implementation

Greater
control
on
deposits
Sufficient
financial
capability
Introductio
n

Problem
stateme

First
mover
advantag
e

Acqui
re
TMFB
Causes
of

Rise in
TFMB FV
will
generate
returns
Secure
and
exclusive
agency
agreement
Possible
Solution

Solution and
Implementat

THANK YOU!

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