04
@CredUView Tele: (868) 287-2516 Skype: kwesi.n.charles OUR LEADERSHIP Research: SyndiCAP Advisors, CredUView Limited and other stated references Kwesi Charles, Founder
6 year career in investment banking (debt origination and restructuring) covering financial institutions, industrials and consumer retail.
Private Equity (venture capital) experience in investment research, product deck development, capital raising
Led and managed transactions/portfolio in excess of TT$12B
MSc in Investment Management , BSc in Finance (Hons)
Video gamer for over 20+ years
FEL – Company Founder and CEO – Team Lead Sales and Product Development
Passionate about entrepreneurial development, consumer engagement, cooperativism
Entrepreneurship Evangelist, eSports and Credit Union Enthusiast
Designed video game event concepts for companies such as Heineken, Coca Cola, First Citizens
Driven by God Given Purpose! My Companies Video Game Event Management/eSports Credit Union Performance, Development, Youth & Millennial Markets<br>
05
@CredUView Tele: (868) 287-2516 Skype: kwesi.n.charles OUR DRIVERS Research: SyndiCAP Advisors, CredUView Limited and other stated references CredUView is a PLATFORM FOR CREDIT UNIONS TO INCREASE MEMBER VALUE. WE DO THIS THROUGH RESEARCH, DESIGN, BIG IDEAS, INSIGHTS & ACTION!<br>
06
Email: kc@20vcapital.com @CredUView Tele: (868) 287-2616 Skype: kwesi.n.charles COURSE TITLE: CREATING MEMBER VALUE Confidential<br>
07
Email: kc@20vcapital.com @CredUView Tele: (868) 287-2616 Skype: kwesi.n.charles THE BIG QUESTION Confidential WHAT ARE WE HERE TO SOLVE?<br>
08
Email: kc@20vcapital.com @CredUView Tele: (868) 287-2616 Skype: kwesi.n.charles A MAJOR ISSUE Confidential OUR CREDIT UNION WORLD IS CHANGING! WHAT CHANGES DO YOU SEE?
(FASTER, CHEAPER/MORE REWARDER, EFFICIENT)<br>
09
Email: kc@20vcapital.com @CredUView Tele: (868) 287-2616 Skype: kwesi.n.charles WHAT IF? Confidential WHAT IF A MEMBER WALKS INTO THE CREDIT UNION STATING THEIR FINANCIAL TROUBLES (TT$500k), JUST HAD A DIVORCE, HOUSE IN RECIEVERSHIP, FIRED FROM JOB, 3 WORKING KIDS WITH PLENTY UPSIDE POTENTIAL; HOWEVER, TIME IS NOT ON THE MEMBER’S SIDE, WHAT WILL YOU DO?<br>
10
Email: kc@20vcapital.com @CredUView Tele: (868) 287-2616 Skype: kwesi.n.charles THE BIG QUESTION Confidential WHAT IS SUCCESS FROM THE CREDIT UNION’s PERSPECTIVE?<br>
11
Email: kc@20vcapital.com @CredUView Tele: (868) 287-2616 Skype: kwesi.n.charles BASED ON DISCUSSIONS…. Confidential Research: Data not cleaned<br>
12
Email: kc@20vcapital.com @CredUView Tele: (868) 287-2616 Skype: kwesi.n.charles THE REALITIIES OF THESE MEASURES…. Confidential Research: Hike Higgins, MHA Planning and Success, Bermuda Triangle of Misguided Ratios to Determine Success The Return on Assets is the rate of Profit extraction from members in the current year
Net Worth is cumulative profit extracted from members since the inception of the credit union.
Asset growth carries a hidden member tax…WHAT DO YOU THINK THIS TAX IS?<br>
13
Email: kc@20vcapital.com @CredUView Tele: (868) 287-2616 Skype: kwesi.n.charles THE BIG QUESTION AGAIN Confidential WHAT IS SUCCESS FROM THE CREDIT UNION’s PERSPECTIVE? IS THE ANSWER DIVIDENDS AND LOW RATES?<br>
14
Email: kc@20vcapital.com @CredUView Tele: (868) 287-2616 Skype: kwesi.n.charles A LOOK AT DIVIDENDS Confidential<br>
15
Email: kc@20vcapital.com @CredUView Tele: (868) 287-2616 Skype: kwesi.n.charles A LOOK AT BORROWING Confidential CAN YOU LEND AT A RATE LOWER THAN INSTITUTIONS WITH PERSONAL OPERATING & AIMLESS CAPITAL’?.....NO!<br>
16
Email: kc@20vcapital.com @CredUView Tele: (868) 287-2616 Skype: kwesi.n.charles THE ANSWER To CU SUCCESS Confidential A SUCCESFUL CREDIT UNION IS ONE THAT ADDS MEMBER VALUE & REMAIN SUSTAINABLE ACCORDING TO THE CU HIERARCHY OF NEEDS!<br>
17
Email: kc@20vcapital.com @CredUView Tele: (868) 287-2616 Skype: kwesi.n.charles THE ANSWER…FURTHER LOOK Confidential Source: Mike Higgins & Associates<br>
18
Email: kc@20vcapital.com @CredUView Tele: (868) 287-2616 Skype: kwesi.n.charles BUILDING FOR SUCCESS…the basics Confidential COST OF FUNDS TOTAL INTEREST INCOME INTEREST ON MEMBER DEPOSITS INTEREST ON EXTERNAL CREDIT DIVIDENDS NET INTEREST MARGIN OTHER INCOME YIELD ON INVESTMENTS YIELD ON LOANS NON INTEREST EXPENSES ALLOWANCE FOR LOAN LOSS NET INCOME ADJUST FOR INFLATION<br>
19
Email: kc@20vcapital.com @CredUView Tele: (868) 287-2616 Skype: kwesi.n.charles THE THREE TYPES OF CREDIT UNION MEMBERS Confidential NET
SAVERS NET BORROWERS NEUTRALS WHO WOULD YOU SAY IS THE MOST IMPORTANT TYPE OF MEMBER AND SHOULD THEY BE REWARDED EQUALLY?<br>
20
Email: kc@20vcapital.com @CredUView Tele: (868) 287-2616 Skype: kwesi.n.charles REWARDING THE MEMBERS..Financial Benefits Confidential NET
SAVERS NET BORROWERS ADJUST FOR ASSETS NSB – NMB
Total Assets Total Benefits
= NSB + NMB<br>
21
Email: kc@20vcapital.com @CredUView Tele: (868) 287-2616 Skype: kwesi.n.charles ONE STEP BEFORE BENEFITS..The 4 Ps of Performance Confidential<br>
22
Email: kc@20vcapital.com @CredUView Tele: (868) 287-2616 Skype: kwesi.n.charles THE 4Ps Combined Confidential<br>
23
Email: kc@20vcapital.com @CredUView Tele: (868) 287-2616 Skype: kwesi.n.charles PRODUCT MIX..THINGS TO CONSIDER Confidential<br>
24
Email: kc@20vcapital.com @CredUView Tele: (868) 287-2616 Skype: kwesi.n.charles PRODUCTIVITY THINGS TO CONSIDER Confidential<br>
25
Email: kc@20vcapital.com @CredUView Tele: (868) 287-2616 Skype: kwesi.n.charles PROVISION Confidential<br>
26
Email: kc@20vcapital.com @CredUView Tele: (868) 287-2616 Skype: kwesi.n.charles PRICING Confidential SPEAKS FOR ITSELF!!!!!<br>
27
Email: kc@20vcapital.com @CredUView Tele: (868) 287-2616 Skype: kwesi.n.charles THE 4Ps Combined Confidential<br>
28
TOGETHER WE CAN DELIVER ADDED MEMBER VALUE!!!!<br>
