Theories of Buyer Behaviour

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Table of contents
1. Introduction………………………………………………………………………………4 2. Theories of Buyer Behavior………………………………………………………………4 3. Segmentation Profile of Comprehensive Buyer …………………………………………9 4. Buyer Decision Making Process………………………………………………………....13 5. Guidance of Online…………………………………………………………. ………….15 6. The trends on Banking Buyer Behavior………………………………………………....16 7. Conclusion……………………………………………………………………………….17 8. References………………………………………………………………………………..18

Abstract
Profile

Kazkommertsbank is one of the largest private banks in CIS and the market leader by total assets in Kazakhstan. The Bank provides a wide range of banking and other financial services to corporate and retail clients across the region. Headquartered in Almaty, the Bank serves its retail clients through a network of branches in 45 cities all over Kazakhstan under the KAZKOM logo. In addition, Kazkommertsbank has international banking subsidiaries in Kyrgyzstan, Tajikistan and the Russian Federation. Kazkommertsbank is in operation since 1991, and it is the dominant provider of banking services and other financial products to large and medium-sized corporations across all sectors of the Kazakh economy.  The Bank’s employees across the region are devoted to the task of maintaining the Bank’s position as the premier financial services company in Kazakhstan based on superior understanding of our clients' financial needs and the ability to meet these through the highest quality of service. Strategy

In view of the slowdown of Kazakh economy, significant turbulence and uncertainty in the global financial system and worsening economic conditions in key markets, Kazkommertsbank is focusing on asset qualtiy and liquidity management, whilst continuing to maintain operating efficiency. Asset quality

Kazkommertsbank is focused on working with its existing clientele and on asset quality of its loan portfolio. The Bank concentrates its efforts on problem loans on case-by-case basis in line with cooperation with clients to help them improve their operations and increase the recovery rate.

 
Liquidity management
The Bank is going to concentrate on the domestic sources of funding: the main objective is to maintain corporate client base and retail deposits market share.  
Cost control
One of the Bank’s major objectives is to keep its expenses low. Kazkommertsbank historically considered as the most efficient Bank among its peers with its cost-to-income ratio below 30%. Products & Services

Corporate Banking

Kazkommertsbank has been servicing corporate clients in Kazakhstan since its inception and is a domestic market leader in corporate lending. The needs of corporate clients are met through a wide range to services including trade and structured finance products, project finance, e-banking and asset management services, as well as short-term credit facilities and other general banking services.  The Bank is one of the leaders in terms of the total net corporate loan portfolio and corporate deposits. Retail banking

Kazkommertsbank possesses one of the leading retail banking franchises in Kazakhstan with one-fifth of the retail deposit market. The Bank offers to its retail customers a comprehensive range of banking products including residential mortgages, consumer loans, debit and credit cards and deposit and current accounts. Kazkommertsbank enjoys a good reputation in Kazakhstan for quality of service, reliability and professionalism (http://en.kkb.kz/page/WhoWeAre)

Introduction
The roots of modern marketing communication are, however, firmly associated with the Industrial Revolution. Prior to this the vast number of producers each made a limited number of products and delivered to them for consumption locally (Wells et al. 1995). The major research is dedicated to the customer behavior and plenty of theories, decision making processes, trend of a buyer behavior are going to be applied by the elaboration reason to the bank...
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