Strategic Business Plan Insert name of institution.

Strategic Business Plan

Insert name of institution

Why do we exist? What is our purpose?

What purpose?

Mission, Impact

Mission & Vision

MissionPlease add

VisionPlease add

Core Values

» Value: explanation

» Value: explanation

» Value: explanation

Historical:

Current Focus Point:

Look…Feel…Think:

Top 3 Keys:

Transformation

…what do we mean by Impact…what impact do we Seek?

Intended Impact

Transformational Impact Opportunity International is committed to its primary deployment in the market place to address the financial

barriers that limit opportunities for poor people; combined with the intentional efforts to create, enhance or maximize environments necessary for improvements across every dimension of need within a

person’s life. [Dignity; Security; Adequate Provision; Hope, Purpose and Meaning; Freedom and Appropriate Boundaries; Authority; Authentic Relationships and Love.]

Large-scale Outreach Opportunity International aims to provide access to range of financial products and services for the poorest of the working poor: those with passion and a business dream but without access to mainstream or affordable

financial services. In serving those people at the bottom of the financial pyramid, Opportunity International has grown exponentially to well over 1 million active clients from its time of creation, however during that time so has the number of impoverished people across the world grown to estimates of 1 billion people living at the

margins of survival on less than US$1 a day, and 2.6 billion—40+ percent of the world’s population—living on less than US$2 a day. As Kofi Anan then UN Secretary general stated in 2000 “…yet even these statistics fails

to capture the injustice, indignity, humiliation, powerlessness and brutal hardship that is the daily lot of the world’s poor.” While large scale economic injustice exists, Opportunity International will remain committed to

large scale outreach.

Financial Viability Opportunity International is committed to financial viability where income from lending operations covers costs,

not only on an organizational viability, but on a program-by-program viability as well

Triple Bottom Line

•…

•...

•...

1What are you trying to ACHIEVEWhat do you want that you do not have

2What are you trying to PRESERVE

What do you want that you already have

3What are you trying to AVOID

What do you not have that you do not want

4What are you trying to ELIMINATEWhat do you have now that you do not want

Impact Analysis

•…

•...

•...

•…

•...

•...

•…

•...

•...

Do

We

Hav

e It

No

Do We Want ItYes No

Who is our client?

What purpose?

Markets and clients

Country characteristicsCountry and economic characteristics

» Please explain

SupplySupply of financial services at lower end of the market

(competition):

» Please provide in detail

DemandDemand for financial services at lower end of the market

(potential clients):

» Please provide detail

Client SegmentationClient segmentation (s) defined:

» Please provide detail

Client profile (s) defined within each segment:

» Please provide detail

Client NeedsClient needs defined per segment:

» Please explain

How have you determined client needs per segment?

» Please explain

…How do we go about realizing our intended impact?

- Products- What organizational form

Products & Institutional form

Products

Key Product Offerings (future)

Product Key product features Client Segmentation

Linked Partnerships/ Services

Level of ImpactLow Med High

1

2

3

4

Product ‘check’ through the transformational lens

See notes below!

Dignity

Authentic relationships & love

Freedom & appropriate boundariesPurpos

ehope & meaning

Adequate provision

Authority

Security

• …•….•….

• …•….•….

• …•….•….

• …•….•….

• …•….•….

• …•….•….

• …•….•….

Product ‘check’Exercise

Institutional Summary

Yesterday Today Tomorrow

Type of entity Type of entity Type of entity

Target groups Target groups Target groups

Product(s) Product(s) Product(s)

With what? Assets, Resources, Skills, Knowledge, Experience, Networks, Overall

Capacity

Resources

Capacity

. • ..

•..

•..

•..

Top 5 Strategic initiatives

1.

2.

3.

4.

5.

Planning results

Impact – loan projections

Loans 2006 2007 2008 2009 2010 2011 2012 2013

Number of active clients - - - - - - - -

Gross Loan Portfolio ('000 EUR) - - - - - - - -

Annual GLP growth (%) 0% 0% 0% 0% 0% 0% 0%

Average o/s loan size (EUR) - - - - - - - -

% # loans < 10,000 EUR 0% 0% 0% 0% 0% 0% 0% 0%

% # loans > 10,000 EUR 0% 0% 0% 0% 0% 0% 0% 0%

Loan projections

-

0

0

0

0

1

1

1

1

1

1

-

0

0

0

0

1

1

1

1

1

1

2006 2007 2008 2009 2010 2011 2012 2013

Dev't of loan portfolio

Gross Loan Portfolio ('000 EUR) Number of active clients

'000 EUR # clients

Impact – deposit projections

Deposits 2006 2007 2008 2009 2010 2011 2012 2013Number of deposit accounts - - - - - - - -

Volume of deposits ('000 EUR) - - - - - - - -

Annual deposit growth (%) 0% 0% 0% 0% 0% 0% 0%

Average account balance - - - - - - - -

% deposits sight deposits 0% 0% 0% 0% 0% 0% 0% 0%% deposits term deposits 0% 0% 0% 0% 0% 0% 0% 0%

Deposit projections

-

0

0

1

1

1

-

0

0

1

1

1

2006 2007 2008 2009 2010 2011 2012 2013

Dev't of deposits

Volume of deposits ('000 EUR) Number of deposit accounts

'000 EUR # clients

Leverage & capital adequacy

Leverage 2006 2007 2008 2009 2010 2011 2012 2013Equity ('000 EUR) - - - - - - - - Deposits ('000 EUR) - - - - - - - - Debt - borrowings ('000 EUR) - - - - - - - - Leverage ratio (Tot. Assets/ equity) 0% 0% 0% 0% 0% 0% 0% 0%Liquidity ratio 0% 0% 0% 0% 0% 0% 0% 0%Estimated capital adequacy 0% 0% 0% 0% 0% 0% 0% 0%

-0 0 0 0 1 1 1 1 1 1

2006 2007 2008 2009 2010 2011 2012 2013

Leverage

Equity ('000 EUR) Deposits ('000 EUR) Debt - borrowings ('000 EUR)

'000 EUR

0%

20%

40%

60%

80%

100%

2006 2007 2008 2009 2010 2011 2012 2013

Estimated capital adequacy

Estimated capital adequacy

Internal capacity

0

0.1

0.2

0.3

0.4

0.5

0.6

0.7

0.8

0.9

1

2006 2007 2008 2009 2010 2011 2012 2013

Number of branches

00.10.20.30.40.50.60.70.80.9

1

2006 2007 2008 2009 2010 2011 2012 2013

Number of staff

Internal capacity 2006 2007 2008 2009 2010 2011 2012 2013Number of branches 0 0 0 0 0 0 0 0Number of staff 0 0 0 0 0 0 0 0Head office staff as % of staff 0% 0% 0% 0% 0% 0% 0% 0%Loan officers as % of staff 0% 0% 0% 0% 0% 0% 0% 0%

Operating efficiency

Efficiency 2006 2007 2008 2009 2010 2011 2012 2013Operating efficiency 0% 0% 0% 0% 0% 0% 0% 0%Clients per employee - - - - - - - - Number of o/s loans/ L.O. - - - - - - - - O/s loan pf/ L.O. ('000 EUR) - - - - - - - - Disbursed volume/ L.O./ Mo. - - - - - - - - Number of disb. loans/ L.O./ Mo. - - - - - - - -

0%

20%

40%

60%

80%

100%

2006 2007 2008 2009 2010 2011 2012 2013

Operating efficiency

Operating efficiency

-

0

0

1

1

1

-

0

0

1

1

1

2006 2007 2008 2009 2010 2011 2012 2013

o/s loan portfolio per loan officer

O/s loan pf/ L.O. ('000 EUR) Number of o/s loans/ L.O.

'000 EUR

Profitability

Profitability 2006 2007 2008 2009 2010 2011 2012 2013Return on average Assets* 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%Return on average Equity* 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

0%

20%

40%

60%

80%

100%

2006 2007 2008 2009 2010 2011 2012 2013

RoA and RoE

Return on average Assets* Return on average Equity*