PI profile & needs.pptxjsjajajajajajjaaj

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1. Private individuals Client profile – Client needs

2. Preferred client profile Who they are? What they do? 30-50 age old Professors, IT sector, have their own business, managers Salary min 500 eur T here is no time for losing What they need? Saving Investing in energy efficiency, heat pump, solar Attitude ? Usage of new technology and online Positive attitude about online services

3. Evolution of needs 25 35 40 45 55 65 75 Age of client 20 Life cycle supported by bank Bank services Student account Total account / Flex fund Investments Savings Clients needs change during life cycle

4. Evolutin of needs Childhood - Education Young adult Mature adult Retirement Life cycle supported by the bank Life cycle supported by the bank Flex save for underage clients, Student account Mature adult Total account Flex funds and Investments Flex save EE investments

5. Typical client usage of services by age 33 % Saving 15 % Flex fund E-bank C lient age 60 and more C lient age 40 and less 15 % 42 % C lient age between 50 and 6 21 % 22% 18 % 3 5 % 14 % Client age between 40 and 50 22 % 31% 33 %