Internet Customer Acquisition Strategy at Bankinter

Internet Customer Acquisition Strategy at Bankinter
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Active Clients Ratio UnProfitable to Profitable Expected Years in Bank Profitable Clients Expected Years in Bank Not Profitable Clients Cost of Not Profitable clients Profitability of profitable clients Year 0 Year 1 Year 2 Year 3 + Year 0 Year 1 Year 2 Year 3 +
8700 35859 1.52 7.37 3.52 -494.12 -97.19 -26.52 -17.79 -41 426.68 465.11 504.54
Alliances 1015 2.84 6.15 2.16 -447.2 -141.93 -42.9 -42.9 -123 379 410 466
E-Collaborators 10430 2.53 4.98 1.7 -370.07 -97 -36.65 -36.65 -100 318.6 367 398 Profitiability analysis for 8700 Non Profitability Analysis for 8700
Year Client Retention Actual Profitability Present Value of profitability Cumulative Profit Year Client Retention Actual Loss Present Value of Loss Cumulative Loss
0 100.00% -41.0000 -41.0000 -41.0000 0 100.00% -494.1200 -494.1200 -494.1200
1 86.43% 368.7858 335.2598 294.2598 1 71.59% -69.5792 -63.2538 -557.3738
2 74.70% 347.4558 287.1536 581.4134 2 51.25% -13.5922 -11.2332 -568.6070
3 64.57% 325.7703 244.7560 826.1694 3 36.69% -6.5275 -4.9042 -573.5113
3+ 55.81% 281.5681 1194.6785 2020.8479 3+ 26.27% -4.6731 -12.1667 -585.6780

Profitiability analysis for Alliances Non Profitability Analysis for Alliances
Year Client Retention Actual Profitability Present Value of profitability Cumulative Profit Year Client Retention Actual Loss Present Value of Loss Cumulative Loss
0 100.00% -123.0000 -123.0000 -123.0000 0 100.00% -447.2000 -447.2000 -447.2000
1 83.74% 317.3740 288.5218 165.5218 1 53.70% -76.2217 -69.2924 -516.4924
2 70.12% 287.5068 237.6089 403.1307 2 28.84% -12.3727 -10.2254 -526.7178
3 58.72% 273.6417 205.5910 608.7218 3 15.49% -6.6446 -4.9922 -531.7100
3+ 49.17% 229.1471 872.6035 1481.3253 3+ 8.32% -3.5684 -6.3386 -538.0486