Q1) Strategic Service Vision for El Banco and United Commercial Bank can be defined into four segments:

1) Service Delivery System: El Banco provides its financial service to the Spanish spoken Hispanic through physical setting while United Commercial Bank provides to the Chinese-American traditional for their import-export services. 2) Operating Strategy: El Banco operates through has low cost casual store fronts while United Commercial Bank operates where there is location in Chinese-American communities and also they have international branches in Honk Kong, China, Taiwan. 3) Service Concept: El Banco is a fee based services which would attract the first time customers while UCB has its services based on their high interest, loans to business and low fees. 4) Target Market Segments: El Banco serves Latinos while UCB targets Chinese-American

Q2)

Service Winners: El Banco: Check cashing and Money transfers UCB: Low fees and Import-export services Service qualifiers: El Banco: Spanish spoken and Informal location UCB: Chinese spoken, Soundness and Safety Service Losers El Banco: Affluent customers seek lower cost services UCB: Lack of sophisticated services

Q3) The differentiating features of banks that target ethnic communities? 1) Products that match unique customer needs (trade finance, check cashing) 2) Well-articulated cultural focus on target community (language, physical setting) 3) Convenient location accessible to community (ethnic population centers, places frequently visited by community members