2017 ararat bioenergy conference bank - david... · • examples. planning • clear business plan...

2017 Ararat Bioenergy Conference

Overview

• Bendigo Bank

• Bendigo Bank Business Banking

– Ballarat Wimmera

• Community Enterprise / Bank

• Lending Requirements

• Planning

Bendigo Bank

The origins of our bank began more than 150 years ago in two great Australian communities, Bendigo in Victoria and Adelaide in South Australia. Bendigo Bank and Adelaide Bank each started out as building societies, driven to help Australians buy their own home.

Bendigo and Adelaide Bank is now a top 60 ASX listed company, owned by more than 90,000 shareholders. We have more than 6,500 employees, who serve about 1.5 million customers in over 500 communities Australia-wide.

Bendigo Bank Business

Banking – Ballarat Wimmera

•Stability

•Experience

•Capable

•Well Resourced

Community Enterprise / Community Bank

In the late 1990’s a new type of banking model came onto Australia’s banking scene. Bendigo’sCommunity Bank® branches. It was a brave and bold move by a regional bank in a rapidly evolving banking and finance sector.

Today, almost 20 years later, there are more than 313 Community Bank® branches throughout Australia, partnering with Australia’s fifth largest retail bank. Not only do these Community Bank® branches provide banking and financial services, they have a unique point of difference.

Lending Requirements

• Not specialists

• Structure

• Clear understanding of requirements

• Security offered

• Understanding Key Risks

• Business Plan / Cashflow requirements

• Understand needs – mode of banking

• Examples

Planning

• Clear Business Plan

• SWOT / TOWS analysis

• Use other tools – EG De

Bono’s six thinking hats,

McKinsey 7’s Model

• Plan is for the business not

the Bank

SWOT / TOWS

De Bono – Six Hats

McKinsey 7 S’s

Be the Change

https://www.youtube.com/watch?v

=OgjVint1boQ&index=2&list=PL7o

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