Alpen Bank-financial Analysis

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MI DDLE+ AFFLUENT CUSTOMERS CostPer Pr ospect s Respons e ProspectReached Rat e Qual i fied Conver siFi nal onRat e Shar e Effect i ve Tot alCost Cust ome mer Rat e CostPer Fi nal Cust ome mer Cust ome mer Ac qui s i t i on Di r e ctMa i l 0. 5 2500000 3. 00% 75000 0. 60 45000. 00 0. 85 38250. 00 41. 96% 1. 53% 1250000. 00 32. 68 13. 71 Takeones 0. 10 2000000 2. 50% 50000. 0 0. 30 15000. 00 0. 85 12750. 00 13. 99% 0. 64% 200000. 00 15. 69 2. 19 FSI 0. 05 3500000 1. 50% 52500. 0 0. 30 15750. 00 0. 85 13387. 50 14. 69% 0. 38% 175000. 00 13. 07 1. 92 Di r e ctS al e s Bi ndi ns 3000/ Re p 60000 25. 00% 15000 0. 60 9000. 00 0. 85 7650. 00 8. 39% 12. 75% 30000. 00 3. 92 0. 33 1. 00 50000 50. 00% 25000 0. 90 22500. 00 0. 85 19125. 00 20. 98% 38. 25% 50000. 00 2. 61 0. 55 217500 107250 8110000 1 91162. 5 18. 7028657617 MOSTAFFLUENT CostPer Pr ospect s Resp onse CUSTOMERS ProspectReached Rat e Qual i fied Conver siFi nal onRat e Shar e Effect i ve Tot alCost Cust omer Rat e CostPer Fi nal Cust omer Cust omer Ac qui s i t i on Di r e ctMa i l 0. 5 1250000 3. 00% 37500 0. 6022500. 00 0. 8519125. 00 32. 43% 32. 43% 625000. 00 32. 68 10. 60 Takeones 0. 10 2000000 2. 50% 50000. 0 0. 15 7500. 00 0. 85 6375. 00 10. 81% 10. 81% 200000. 00 31. 37 3. 39 FSI 0. 05 3500000 1. 50% 52500. 0 0. 15 7875. 00 0. 85 6693. 75 11. 35% 11. 35% 175000. 00 26. 14 2. 97 Di r e ctS al e s Bi ndi ns 3000/ Re p 60000 25. 00% 15000 0. 60 9000. 00 0. 85 7650. 00 12. 97% 12. 97% 30000. 00 3. 92 0. 51 1. 00 50000 50. 00% 25000 0. 9022500. 00 0. 8519125. 00 32. 43% 32. 43% 50000. 00 2. 61 0. 85 180000 69375 6860000 2 58968. 75 18. 3147853736 BREAKEVEN ALL CUSTOMERS Number of Customers Avg Rev per Customer 50000 $ 122.78 100000 $ 122.78 $ 122.78 150000 $ 122.78 200000 $ 122.78 $ 20.00 $ 18.70 $ 17.50 $ 18.70 $ 1".25 $ 18.70 $ 15.00 $ 18.70 $ 12.50 $ 18.70 $ 38.70 $ 36.20 $ 34.! $ 33.70 $ 31.20 $ 8%.07 $ 102.78 $ 8".57 $ 105.28 $ 87.82 $ 10".5' $ 8&.07 $ 107.78 $ &1.57 $ 110.28 50000 0 50000 50000 2"7'0 100000 50000 100000 50000 150000 $ %20'"21 $0 $ %'28"21 $ 52"'7"5 $ 2'%7%&' $ 10"5252& $ %%5'"21 $ 1077752& $ %578"21 $ 1"5%12&% $ 4203621 $ !2386 $ 13000023 $ 1!2311!1 $ 5000000 $ 7&"'7& $ 2000000 $ 5750000 $ '8%2'8" $ 2000000 $ "000000 $ 700002' $ 2000000 $ "250000 $ 8&81151 $ 2000000 *$ 27637 $ 1842386 $ !000023 $ 6811!1 126730 Less Avg Diret ost!ust Avg A#uisitio ost!ust Total Direct Costs   ( of Ne) Customers ( of e*istig ustomers Ne) Cotributio E*istig Cotributio Total Co"tri#tio" +i*e, Cost- fr/struture A,vertisig C%lati&e 'ro(t)Loss % a &e ro oss %illio"s $2. 80 $1. 84 $5. 00 $6. 98 $ 21111! $ 700000 $ 20%1&&15 $ 2000000 $ 18411! $18. 42 3 BREAKEVEN Number of Customers Avg Rev per Customer 50000 $ 1"'.'2 $ 1"'.'2 100000 $ 1"'.'2 150000 $ 1"'.'2 200000 $ 1"'.'2 $ 20.00 $ 18.'1 $ 18.00 $ 18.'1 $ 17.50 $ 18.'1 $ 15.00 $ 18.'1 $ 12.50 $ 18.'1 $ 38.31 $ 36.31 $ 3!.81 $ 33.31 $ 30.81 $ 125.00 $ 1%'.'2 $ 127.00 $ 1%5.'2 $ 127.50 $ 1%5.82 $ 1'0.00 $ 1%8.'2 $ 1'2.50 $ 150.82 50000 0 %022& 50000 50000 50000 50000 100000 50000 150000 $ "2501'5 $0 $ 510&1&2 $ 72"587% $ "'751'5 $ 72&087% $ "5001'5 $ 1%8'17%& $ ""251'5 $ 22"22"2' 022 Less Avg Diret ost!ust Avg A#uisitio ost!ust Total Direct Costs   ( of Ne) Customers ( of e*istig ustomers Ne) Cotributio E*istig Cotributio Total Co"tri#tio" $ 62!013! $ 1237!066 $ 13666010 $ 21331884 +i*e, Cost- fr/struture $ 5000000 $ 12501'5 $ 5'75000 $ 70000"" $ 5750000 $ 7&1"010 $ "250000 $ 1508188% $ 700000 $ 285%7758 A,vertisig $ 2000000 $ 2000000 $ 2000000 $ 2000000 $ 2000000 $ 7486! $ !000066 $ !16010 $ 13081884 $ 26!477!8 C l ti ' (t)L $ 22477!8 BREAKEVEN Number of Customers Avg Rev per Customer 50000 $ 1"'.'2 $ 1"'.'2 100000 $ 1"'.'2 150000 $ 1"'.'2 200000 $ 1"'.'2 $ 20.00 $ 18.'1 $ 18.00 $ 18.'1 $ 17.50 $ 18.'1 $ 15.00 $ 18.'1 $ 12.50 $ 18.'1 $ 38.31 $ 36.31 $ 3!.81 $ 33.31 $ 30.81 $ 125.00 $ 1%'.'2 $ 127.00 $ 1%5.'2 $ 127.50 $ 1%5.82 $ 1'0.00 $ 1%8.'2 $ 1'2.50 $ 150.82 50000 0 %022& 50000 50000 50000 50000 100000 50000 150000 $ "2501'5 $0 $ 510&1&2 $ 72"587% $ "'751'5 $ 72&087% $ "5001'5 $ 1%8'17%& $ ""251'5 $ 22"22"2' 022 Less Avg Diret ost!ust Avg A#uisitio ost!ust Total Direct Costs   ( of Ne) Customers ( of e*istig ustomers Ne) Cotributio E*istig Cotributio Total Co"tri#tio" $ 62!013! $ 1237!066 $ 13666010 $ 21331884 +i*e, Cost- fr/struture $ 5000000 $ 12501'5 $ 5'75000 $ 70000"" $ 5750000 $ 7&1"010 $ "250000 $ 1508188% $ 700000 $ 285%7758 A,vertisig $ 2000000 $ 2000000 $ 2000000 $ 2000000 $ 2000000 C%lati&e 'ro(t)Loss % a &e ro oss %illio"s *$ 7486! $ !000066 $ !16010 $ 13081884 $ 26!477!8 $0. 75 $5. 00 $5. 92 $ 22477!8 $13. 08 $26. 55 4 SEGMENT ANNUAL I NCOME MI DDLE   35004500 AFFLUENT 45006000 MOSTAFFLUENT 6000+ TOTALCARD HOLDERS m Car dsi n Ci r c ul at i on Aver ager evenue percar dhol der Aver ager evenue percar dhol der ( Affluent+Most %AGEOF POTENTI AL I NTEREST POTENTI ALCARDHOLDER REV HOLDERS S OTHER REVENUE ANNUAL REV Shar eAver ager evenue POTENTI AL percar dhol der CARDHOLDERS ( a l lca r dhol de r s ) 18% 3. 39 37. 13 23. 5 60. 63 0. 39 23. 94 15% 13% 2. 79 2. 40 86. 63 148. 5 36. 75 61. 25 123. 38 0. 33 209. 75 0. 28 40. 15 58. 69 18. 6 8. 57 122. 7752928416 9. 5 122. 7752928 163. 317488 Aver age r evenueper car dhol der 2. 79 0. 5376 2. 40 0. 4624   5. 1 9 66. 33 96. 99 163. 317488 SEGMENT ANNUAL I NCOME MI DDLE   35004500 AFFLUENT 45006000 MOSTAFFLUENT 6000+ TOTALCARD HOLDERS m Car dsi n Ci r c ul at i on Aver ager evenue percar dhol der %AGEOF POTENTI AL I NTEREST POTENTI ALCARDHOLDER REV HOLDERS S OTHER REVENUE ANNUAL REV Shar eAver ager evenue POTENTI AL percar dhol der CARDHOLDERS ( a l lca r dhol de r s ) 18% 3. 39 37. 13 23. 5 60. 63 0. 39 23. 94 15% 13% 2. 79 2. 40 86. 63 148. 5 36. 75 61. 25 123. 38 0. 33 209. 75 0. 28 40. 15 58. 69 18. 6 8. 57 122. 7752928416 9. 5 122. 7752928 Aver ager evenue percar dhol der ( Affluent+Most 163. 317488 5 Aver age r evenueper car dhol der 2. 79 0. 5376 2. 40 0. 4624   5. 1 9 66. 33 96. 99 163. 317488