Business Plan

In this presentation we use some times: IBB for International Business Bank.

What will be the difference with International Business Bank and traditional bank?

The difference will be that traditional bank operation is passive, International Business Bank operation will be active.

International Business Bank will have thousands of bank representatives in hundreds of countries.

These representatives will search for clients, help clients with their banking needs at clients’ languages, place and

time.

Thanks to this idea we will not need to have a big office network.

Plan is to have 4-5 offices in strategically locations around the world, to cover important license areas.

The clients will be saving time and money, they can concentrate on making more money.

Our clients will get the best possible international bank service that exist. Most part of the world in business banking

the bank visits is only for to sign documents. Also to talk and get new products and information. Why a client need to

spend entire day on to go to their bank for sign some papers?

We bring the bank to the client for to sign the papers. Same time representative get to know the client

and client’s needs, representative may offer client better banking services, and sign up client for other services.

The clients will be saving time and money, clients can concentrate on making more money.

Thanks to this system the IBB operational cost can be kept on a low but very effective level. The effective ratio on

each € will be very high. We will get more own capital, that make it possible to give better offer than other banks that

need to lend money for to lend them to their clients.

Representatives need to have 1 clients per week for to make some money, and deposits over 1 000 000 €. We look in

2 years to have more than 500 representatives around the world.

500 reps X 1 000 000€ deposit/client X 50 weeks =25 000 000 000 €/year. Off-course there will be institutional

clients that go in for lots of more, and all representative may not get up to the goal. Lets calculate that only 50% will

get to the goal = 12 500 000 000 €/ year. Or maybe only 10% = 2 500 000 000€ / year. I present this as risk

calculation for investors or lenders.

Business goals / mission

As an International Business Bank project obtaining a permanent place in a international marketplace is our primary

goal. We wish to acquire international renown within the next year.

We see it as our main mission to provide high quality, higher standards, lower prices, and a better service to the

targeted markets. Basic corporate objective is reflected in everything that we do, which is to contribute to the

enrichment of the quality of Business people around the world

Business description

IBB will be an international business bank in the broadest sense of the word. We will offer best possible service

and market line of worldwide International Bank services. As more and more of the business population gain an

interest in International Business Bank project the demand for our concept has also increased.

To meet the expected demand for International Business Bank, as well as The IBB World Wide service concept,

IBB is seeking the financing necessary to add launch IBB project worldwide.

Business formation

The company will start when funded. The company form is going to be, Joint Stock Company, according to

Austrian Banking act rules.

The Registration will be in the country of Austria under city of Vienna, Austria, EU. In this include as well

registration off bank offices in Hong Kong, China, and Latin America. This also include client and representative

service office in Southern Spain.

The company will employ 45 people in the head office, including the management team, who will run the project,

+15 person in the service office, and total 10 persons in other bank offices.

Business philosophies/identity

By combining experience and great service IBB will be able to create a

high satisfaction level.

IBB will use advanced technology and offer a high quality product mix.

Our corporate philosophies are embedded in our customer oriented management and operations, providing

excellence in our products and services, continuous efforts to expand our future existing market and create new

markets, commitment to care for end users by providing even better service after sale, pursuit of further globalization

of IBB’s business fostering positive growth through diversification. These philosophies shall be incorporated at all

levels of the company.

Location

We are planned to be located at Vienna Stock Exchange building, Vienna, Austria, EU.

This location has been selected because of its low price, top location, esteem, size, visibility, and image.

The world head office will be situated in a main business district.

The location will provide our employees as well as our customers with the necessary accessibility.

Geographical markets

The primary market will be local and regional and international due to location of the business in the center of

town close to the business district.

IBB's international activities are enhanced through a range of co-operative relationships with entities such as:

Legal & agent networks

Governmental & diplomatic links

Client branch & trade bodies

International Chambers Of Commerce & credit reporting agencies

Major financial institutions

Vision of the future

The planned company can look forward to a promising future, because of:

our experienced staff,

our careful planning,

the potential of the targeted market segments,

and worldwide representative network.

Our pre-market research has shown the market to have plenty of room for a business such as IBB intends to run.

The management style is flexible, progressive and energetic.

Enthusiasm of the management as well as the employees will greatly stimulate the envisioned growth.

Main objectives

Business objectives Increase annual revenues with min. of 50% over the next 3 years

Company growth by 250 %

Become established as International Business Bank

Financial objectives Obtain financing in the amount of € 75 000 000

Marketing objectives Start a / Improve the company presence on the Internet

Expand marketing reach

Increase brand name recognition

Measures and Targets

Revenues Gross Profit Expenses

Meas

• Stimulate company growth by

grow the international representative

network

• Optimize office locations to the

market needs

• Improve sales force efficiency

• Improve existing partnerships

with other financial institutions.

• Increase productivity by

increasing the representative

network

• Open up office in

Planned locations

• Open up office in: Hong

Kong, China.

Targ Revenues + 50% over 3 years

Operating cost 25%

to 50%

Key advantages

IBB is becoming a recognized industry leader because of the following key advantages:

A unique e-commerce marketing proposition strongly positioned.

Established partnerships with International Banks & Financial institutions & brokers.

Senior management has significant International Banking experience.

Maintains a high-quality real time financial information system.

IBB has consistently set and achieved financial measures in the areas of liquidity, and profitability and is

positioned well for future growth.

IBB has no long-term debt.

IBB will be a closely held corporation with the potential to raise additional equity funds. While the

founder(s) want(s) to maintain a majority control, they is interested in raising capital by selling stock to

management, key employees and area business people and investors.

Strategic alliance & positioning

Strategic positioning

IBB differentiates and financial industry positions its business from the competitive offerings by build a reputation

in servicing the financial industry with its products,

providing International Business Banking services, its concern for the environment, and its service (a no-questions-

asked money-back guarantee of all products

Sold and the best-trained service personnel in the category).

Strategic alliance IBB will be successful in establishing alliances with International and local Banking companies for

collaboration. IBB will co-operate with Mayor world financial institutions.

IBB will be in charge of choice of product mix, purchasing and supply. The prices are determined by IBB / the co-

operation.

Sales

IBB estimates first operative year sales to reach € 100 000 000, with net earnings of € 15 000 000 (15 percent

of sales).

Sales are expected to reach € 2 500 000 000, with net earnings of € 500 000 000(20 percent), by the end of third

operation year.

Sales MOU: Representatives will search and bring in clients. Representatives need to bring in at least one client a

month to continue as representative.

If representative bring in less than one client / 1 000 000 € a week, representative will drop in the reward system,

result much less paid.

Lots off already existing representatives have a ready network of clients.

All numbers are based on that each representative bring in one client each week that deposit a minimum of 1 000 000

€.

On this we will off course get clients that want deposit instruments, commodities' and more.

Main cash flow is calculated of amount of representatives each year x 1 client a week, = cash flow. On this will also

be cash flow from services.

Licenses

IBB will obtained the following required licenses:

Full European Bank license

Hong Kong off-shore bank license, after 3 year full license.

Brazil, Full banking license.

Costa Rica, Off-shore banking license.

Directors

The Board of Directors consists of 3 President, and they have the principal responsibility for fulfillment of the

company's mission and the legal accountability for its operations.

Our Board of Directors further ensures adequate human and financial resources and actively monitors and

evaluates the organization's executive director/CEO, as well as the overall financial results.

The Board of Directors experience

Only for investors

Management

IBB’s management team has direct knowledge of the industry, extensive research experience, and professional

administration skills. Our team includes the presidents and professionals

With International Banking experience.

IBB’s offers all its officers competitive salaries usually augmented by share options which are exercisable at the

end of first operational year, and are contingent upon maintaining tenure for

5 years. These options represent 5% of the issued capital of IBB. Officers together can also subscribe for €3 750 000,

in equity.

Funds required

International Business Bank need: 75 000 000 €uro for to start and run operations. 25 000 000 €uro is a deposit

for to get EU license, Honk Kong license, Brazilian license,

Costa Rican license. In some of countries part of the license amount need to be deposited in that country’s central

bank. Other countries need to have deposited the amount on any

top bank. The amount need to be fully available for the Directors of the bank.

Deposit funds will be returned after bank license is granted.

The directors want 3 year guarantee salary. This salary will be deposited in the bank, and will be connected to

performance and result of the management team’s work.

Also there will be a trial time in hiring the management team.

We are aware of that there will be lots of High Professionals that will apply for to work in the IBB when all is

operative.

We have select the best and cheapest options for the world head quarter.

We have also the cheapest and best options for other headquarters.

Plan is to get operative as fast as possible..

Marketing

The marketing service concept of IBB has been selected as follow:

The representatives will search for new clients

The representatives will serve the clients

The representatives will also be part of marketing.

With the information we get from representatives, market department will tailor made the market campaigns of each

client’s needs. Representatives will present

these to the clients in person and sign them up. We will also use social media, e-mail campaigns to clients that signed

up for newsletter. We will also be some times in world’s leading financial magazines.

Main marketing tools will be representatives, internet and social media.

Product mix

Products

Deposits, CDs, Asset management

Markets cheapest international transfer

Credit cards / Fast credits / Financing

Bank guarantees /Letter of credits

Financial instruments / Commodities

Financial platforms

Swap

Exchanges services

International legal, & accountant services

Provide international investments with the local knowledge

Mergers & acquisitions

Market analysis

At IBB the following tools are used to analyze and to explore the market:

inquiries with existing and potential customers

request information from branch organization and / or union

collect reports of international / national bank market

collect information of strategy and operation of competitors

The size of the Financial service market worldwide is estimated at € Trillions annually. IBB will captured

about 1% of the worldwide market.

Mr Jussi Myllymaa undertook substantial research prior to start IBB project. The focus of this research was to see

the needs of this kind of service in the worldwide market. Result was very positive.

Market share objectives

The number of direct competitors is estimated at 10. Competitor A: HSBC and

competitor B: DB are to be considered market leader.

Market coverage

Our clients will originate from many business sectors such as:

Banking & insurance 10 %

International trade 10 %

Single wealthy people 5 %

International business corporates 50 %

International trading companies 20 %

Others 5%

Marketing goals

An important part of IBB’s marketing goals and strategies is maintaining its level of quality and associated

services. IBB has decided on a strategy in the

International market is at least that of a top 10 bank.

IBB aims to have an turnover in 2017 to € 65 500 000 000 and to realize an annual increase of at least 25 %

in the next 5 years.

We also wish to further build up the company’s reputation in the targeted market areas. Maintaining / lowering

the cost at its present level is also a primary goal.

To realize a higher gross profit margin of up to 250%.

Steadily increase turnover by at least 100% each year for the next 3 years.

Eliminate complex and time-consuming procedures.

Enlarge the recognition factor of the brand name.

Increase revenues.

Marketing strategies

Increase the worldwide representative network to 250 countries and territories.

Increase the collaboration network of financial brokers, institutions.

Start promotional actions reaching more potential customers.

Sponsor non-profit organizations, charities and community programs.

Keen sales communication.

Keep in contact with existing customers.

Market research projects to determine target groups.

Personnel and the marketing concept The employees must be able to carry out the philosophy and the strategy of the company. This will be emphasized

until the strategies are carried out as planned and the results are obvious. All new strategies are to be forwarded and

discussed with the employees on a regular basis during the weekly & monthly meetings.

Competitive research

The strong points of IBB in comparison to these competitors: product line 1: Representative service

product line 2: Worldwide local knowledge

product line 3: Flexibility

These strengths can be maintained without/only with modification of the current strategies.

The weak points of IBB in comparison to these competitors: product line 1: Management

product line 2: Organization

product line 3: Own market platform

These weaknesses form [a/no] threat on the short term, {but most definitely on the longer term}.

Pricing strategy

Pricing strategy In the IBB branch of business there is an overall tendency to consider the competitive offers as well as the degree of

acceptance by the customers when planning a pricing strategy. IBB follows this tendency.

Pricing policy IBB’s products are priced at a slight premium over competitive offerings. Extensive promotional activity, including

free trial, free account set up help to ensure that customers perceive that they are receiving higher quality products

and prompt, courteous service in exchange for the slight premium in price.

Our prices are calculated as follows:

The IBB will be a bank, and bank main income come from commissions.

IBB charge commissions from all services. However for institutional clients there will be less charges and fees.

Sales management

Sales promotion plays an important part in the role of the modern international banking services. The demonstration,

sales, of the products goes together with maximum customer loyalty.

To be able to fulfill such a function we need:

to be accessible

the proper product mix

the correct levels of pricing

to present the products (correct merchandising)

professional and ready to please personnel

The best method to sell a customer is by personal contact. In order to get the customer interested and motivated we

combine an advertising and promotion plan with active acquisition.

Distribution

The distribution function of IBB consists of the following:

Banking services

Financial services

Broker services

Business services

Legal services

Main distribution line will be through worldwide representative network.

Other distribution will be through worldwide collaboration networks, internet & social media.

Distribution channels

Distribution channel Sales in

Million

€uro

Percent

total sales

Rank

in sales

Average

sales per

month

Million €uro

Own sales force internal 600 3 50

Own sales force external 900 2 75

Representative network 1200 1 100

Representative network 120 4 10

Independent brokers 12 6 1

Other financial institutions 48 5 4

Independent non reg brokers 12 6 1

Other channels 12 6 1

Sales on commission

Service and Support

These have the potential to contribute to the gross profit margin of IBB and are therefore part of the marketing

strategies. We consider direct contribution to the size of the gross profit and direct contribution to the reputation of

considerable importance.

Our client service department has to maintain and serve clients 24/7 in the

Worldwide clients main languages..

Other is our representative service. Our representative department will

Also serve worldwide representatives and country leaders 24/7.

Each country will have a country leader that will take care of main

Institutional clients in the capital. Country leader will also be in charge

Of the representatives in his country. Top representative will be country leader.

Mobile technology

IBB will use latest technology in mobile banking, as well on the field. Representatives will use mobile app,

or mobile website for to register new clients, and for to show clients our services in each client’s own languages.

Representatives and other field workers will use IBB own mobile app system. Clients will also have

Access to a secure app system. The app will support forms data, images and even videos.

All our mobile information flows are password protected using LDAP login technology,

are encrypted using the latest encryption standards, are secured using the HTTPS protocol and use

the highest level of remote device management available today.

Data is stored in XML and CSV formats to ensure compatibility with the back-end server as well as

Popular data formats widely used.

IBB will be using the following providers and services:

Each representative use their own mobile with IBB representative app

IBB field workers will use international good reputation operators.

Operations

IBB’s identity The identity of the company will be made clear by its interior furnishings, decoration, its shop window(s) and

outside sign (board). Because our products are International Financial services the design will be modern / classical /

high tech/ and this will be reflected in our services and marketing.

Operating hours The business will be 24 hour a day, 7 days a week, and will NOT be closed for Christmas, Thanksgiving, the Fourth

of July and other national holidays.

Location We are going to be located at Vienna Stock Exchange building, Vienna, Austria, EU. This location has been

selected because of its low price, top location, esteem, size, visibility, and image. The office will be situated in a

business district. The location will provide our employees as well as our customers with the necessary accessibility.

Premises IBB will in the beginning rents, 1400 m2 building(s) with a combination of Bank office and VIP space. Our major

investment in equipment is for servers, PCs, copiers, net servers, security system, office furniture's, VIP department

design, furniture, communication equipment, mobile communication equipment. This equipment will be leased &

owned.

Security The office will be outfitted with a state of the art security system in addition to smoke alarms and a sprinkler system.

This will include a CCTV (closed circuit television) system for surveillance of the entire store, as well as all

corridors, elevators and stock area. Hand-picked security guards will be securing High level clients security.

Access Visitors will be picked up at airport. VIP will be flied in.

Advertising and Promotion

We will have an advertising and promotion expenditures10% of the annual turnover.

The main promotion and advertising is direct contact with the clients. Our representatives and country leaders

will contact clients directly, give possible clients all necessary information.

Sign up clients.

In the projections in 2014 10% and in 2017 5% of the annual turnover is reserved for advertising and promotion

goals.

IBB’s promotional plan is diverse and includes a range of marketing communications.

We will have a Grand Opening on date which will be advertised in

local newspapers, and local radio channels. To support expansion efforts,

IBB considers using popular media, such as TV, radio, newspapers

and the Internet to advertise.

Advertising and Promotion goals

The following goals and strategies will be used for the next 3 years and are to be implemented in a detailed

advertising and promotion plan.

Increase of initial sales or requests for a quote.

Strategies:

Five trade show per year

Direct marketing: per customer group and per product type & target

Regional & International advertising campaigns

Increase of repeat sales

Strategies:

bimonthly leaflets to regular customers (by e-mail)/sms/mms

planned repeat visits outside sales force

Enhance the company name within each segment of the market

Strategies:

encourage regular customers to spread your fame

keep the press informed, special media department

Trade shows Company representatives attend and participate in several trade shows such as International financial & banking

exhibitions. IBB Will also arrange own exhibitions and invite collaboration companies and groups.

Print advertising and article publishing IBB’s print advertising program includes advertisements in retail trade publications such as WSJ. NY Times. Times.

Billionaire. Banker. And many others direct mail pieces, brochures and other print media.

Public relations Press releases are issued to both trade journals and publications such as local and regional newspapers, retail

magazines, retail directories and some of world biggest financial newspaper.

Internet In line with current trends IBB is developing a Web site through which it will be possible to order and to obtain

information about the products. The Web site will offer video and slideshow presentations to enhance the visitor’s

experience and to stimulate an online banking services. The client can chat by various different systems direct with

the sales department.

The media mix next year

Media Expenditures

p/year

Frequency

of ad

Advertisement

size

Newspaper 500 000 Weekly

Magazines 100 000 Monthly

Radio 0 non

Direct mail 250 000 Weekly

SWOT analysis

Strengths Weaknesses

Business climate Growth in consumer spending is

fueling growth in visitor numbers.

An overcapacity in the industry has

resulted in a deterioration of trading

conditions.

Internal organization Flexibility Professional

Political factors Non Non

Social factors Flexibility Low consumer expenditure.

Workforce Flexibility Capacity in high peak.

Economic

Our International strategy is

flexibility. If some area suffer from

crisis, we can switch over to other

area.

Due to overcapacity in the sector

profit margins are squeezed to the

minimum.

Service Direct client service Non

Problems and Possibilities

Problems /

Threats

Possibilities /

Opportunities

Economic In times of recession people may be

inclined to spend less. Offer monthly target promotions.

Internal organization Collaboration Fast changes

External factors New laws Flexibility (Fast changes)

Personnel Finding qualified personnel can be a

tedious task. Motivate current personnel.

Product line mix

price

quality

customers

competitors

The mix of product line will always

be according to clients needs. The

product line may not in the beginning

be so large as competitors.

During the time we will offer larger

product mix, with more products to

our clients. This will increase put us

on higher level than competitors.

Management and personnel

Age Experience

in years

Highest

qualification

Salary

€/month

Date

joined

Management

President President: Bank of America 150 000

President President: Euroclear 150 000

Head of Representatives

Jussi Myllymaa Financial market & sales leader 10 000

Dr: J Doctor 10 000

IT Service/Support

PK High IT Inventor 10 000

AS Educated by MS 5000

Sales & Marketing

W M S See CV 8000

Personnel analysis and expenditures first operative year.

Total number of staff 45

Total number of sales staff 20

Total number of non-sales staff 150

Total expenditures for staff € 2 160 000

Expenditures for the sales staff € 960 000

Expenditures for the non-sales staff € 150 000

Expenditures for the sales staff in % of sales 0.5-2%

Expenditures for the non-sales staff in % of sales 1-5%

Administrative organization

The administration is done by Administrators. They will also produce the annual profit and loss account and balance

sheet as well as file our tax return. The day to day bookkeeping is done by computer.

Contingency In the event anything might occur that prevents the director/the proprietor to conduct his/her business the following

persons will ensure the continuation of the company: President and Vice Presidents.

Information IBB has systems in place to provide the appropriate information needed by staff and board to make sound financial

decisions and to fulfill IRS requirements.

Accounting principles The projections have been prepared using generally accepted accounting principles that IBB expects to use when

preparing its financial statements. IBB maintains a perpetual inventory method, whereby the inventory account is

updated with each sale and purchase. We will know the value of our inventory at any given time during the year. We

take a periodic inventory at the end of the year, and adjust the purchase, inventory and cost of services sold accounts

at that time. We write the inventory down at this time and make one entry to record the inventory value less the write-

down.

Insurance

IBB will have suitable insurance coverage which is periodically reviewed to ensure that the appropriate levels and

types of coverage are in place.

Fire insurance

Building insurance

Liability insurance

Burglary & dishonesty insurance

Risk management

Risk management is managed by Presidents and Vice Presidents, and also in digital way. All transactions in and out

will be digitally monitored. Mister AS responsibility will be to monitor all transactions, deals, and management team.

Mister AS will be in contact with Jussi Myllymaa many times during the day. Mister AS will monitor all offices

around the world, and will travel when needed.

Mister AS will collaborate together with PK, the organization will be hand-picked, and will have the highest security

level.

Each department will be digitally monitored. Each leader need to know exact what their workers do, when and why.

Everything will be digitally monitored for to secure that no leaks, risk, or crimes.

Management team is first responsible for any risks, managers need always think about the risks when they make any

decisions in the organization.

Financial plan

Economy

In €uros

Cash Flow 2014 2015 2016

operation activities +800 000 000 +20 000 000 000 +60 000 000 000

financial activities +80 000 000 +2 000 000 000 +6 000 000 000

Investment activities 0 +10 000 000 +500 000 000

Net Cash flow = +880 000 000 +21 980 000 000 +65 500 000 000

Operational cost -100 000 000 -150 000 000 -200 000 000

Investments 0 -150 000 000 -200 000 000

Operational total = -100 000 000 -300 000 000 -400 000 000

Ending Balance = +760 000 000 +21 680 000 000 +65 100 000 000