Valu Chain Analysis of Commercial

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Primary activities

Inbound logistics – Cash, stationeries, Computers, Technology, Customer Database, and High Skilled
Human Resources.

Operations – Payments, Trading, Deposits, Treasury bills and bonds, Loans, Clearing and Settlement,
Branch bank operations.

Outbound logistics – Branch networks, ATMs, Website, High quality customer service, Customized
products

Marketing and sales – Advertising, Branding, Sales support, Branding, Direct Sales, Sponsorships.

Services – Delighted customer service, Knowledge banking, Account management, Insurance, Others
services.

Secondary activities

Firm infrastructure – Finance, Legal, Quality Management, Money monitor, Information technology
system,

Human resources – Recruiting, Training and Development Performance Management, Synergy at work,

Technology – Automation of operations, ATMs, Mobile, Internet banking, Outsourcing, IT policy,

Procurement – Supplier Management, Funding

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