FINANCIAL ENVIRONMENT
It is 1994.
You are in charge of manufacturing for the new Mexican
     division of your clothing firm in the U.S.
The peso is plummeting to record lows against the U.S. dollar
You need to make recommendations for site of manufacturing,
labor, sourcing of materials, and pricing. You also need to negotiate contracts.
What do you need to consider?  Can you proceed?
 

Case Example:  What can we learn from Nabisco and its success with Oreo and Chips Ahoy?

 Historical Role of the US Dollar
Absence of a universal currency
Exchange of the dollar based on gold ounce
Common denominator in world trade

The Gold Standard
three major features
system of fixed exchange rates
limited rate of growth in a country’s money supply
automatic adjustment tool
problems

Development of Today’s International Monetary System
The Bretton Woods Conference in New Hampshire in 1944
ruled out return to the gold standard
free floating exchange rates could not work
need for a monetary system to recognize that exchange rates were both national and international

Development of an International Monetary System (cont)
The International Monetary Fund (IMF)
to promote international monetary cooperation
to facilitate expansion and balanced growth of international trade
to promote exchange stability
to assist in establishment of a multilateral system of payments
to give members temporary use of availability of funds
to shorten duration and lessen degree of disequilibrium

Alternatives
SDRs - Special Drawing Rights - a weighted average of key stable
     currencies:  US Dollar, Japanese yen, Franch franc,
     German deutsche mark, and British pound
euro - monies of European Single Market
Countertrade, barter, and various types of goods/currency transactions

The International Bank for Reconstruction and Development  - The World Bank

The Impact of Exchange Rates
The exchange rate is the domestic price of a foreign currency
If one country changes the value of its currency, firms selling to or
     from that country may find that the altered exchange rate is sufficient
    to wipe out their profit or, on the brighter side, give them a windfall gain

Key Processes:
Devaluation:  reduction in value of one currency compared to others
Suppose NJ currency is worth less that PA currency
Revaluation:  increase in value of one currency compared to others
Suppose  NJ currency worth more than Delaware currency

Foreign Exchange and Foreign Exchange Rates

Purchasing Power Parity (PPP);  the exchange rate between
    the currencies of two countries is in equilibrium when it equates
    the prices of a basket of goods and services in both countries.
Exhibit 3-2 “ The Big Mac Index” - what does it really mean?

11,000 Rouble/$2.42 = 4545
11,000 Rouble/$1.92 = 5739
(4545-5739)/5739 =  -21%, local currency is undervalued

PPP = local price/price in US
Gives the prices of a Big Mac AS SOLD IN THE US -
    does not take into account what it would cost to sell it in
    that country or to get materials there - it is useful as long
    as you know what it means

What is the Asian Financial Crisis?
1994 - China devalued the yuan renminbi; China’s exports became cheaper
China and Japan’s trade deficits were paid by heavy borrowing - could not maintain their exchange rates vs. the US dollar
Thailand, Malaysia, Korea, and Indonesia lost significant value of their currencies
Consumers change their consumption behavior - buy necessities, name brands

Strategies in Financial Crisis Situations
Consumer responses
Stop using some products
Use fewer, less
Use substitutes
Brand loyalty to gain value, reduce risk
Switch to value brands
Respond to daily price specials

Strategic responses
Pull out of mkt - hard to return
Emphasize value - tell benefits
Emphasize inexpensive lines, phase out expensive lines
Reduce sizes, amounts
Cheaper packaging
Increase advertising - local
Local sourcing
 

How did Nabisco Sucessfully Introduce the Oreo and Chips Ahoy?
Oreo supermarket sales went from 350 tons in 1994 to 755 tons in 1996
Chips Ahoy supermarket sales went from 177 tons in 1995 to 755 tons in 1996
Wouldn’t consumers give up eating snacks if their currency is worth less money?

The Case of the Mexican Peso
Mexico devalued the peso on Dec. 20, 1994:
    attempted to end turmoil in financial markets
Peso was worth 29 cents, changed to be worth 14 cents
    - some import prices more than doubled
Imports into Mexico -  more expensive, while exports
    from Mexico became more competitive
Firms with their investments in Mexico saw their earnings
    per share drop as the dollar value of their Mexican assets declined
1975: 12.5 peso to $1 US; 1976:  20 peso to $1 US
Devaluation - it took more pesos to make 1 $US
 
 

McDonalds in Russia
Several hundred-seat Mc Donalds’ in Moscow
Two sets of cashiers:  one set accepts convertible currencies,
    and one set accepts rubles
Why?
Also - consider what the price of the Big Mac is in Russia
    IN COMPARISON to the average earnings - it is like a fancy dinner out

What is the euro?
11/15 EU countries link local currencies to the euro; all local currencies cease -7/1/2002
Changes in pricing, computer systems, ways of thinking about value
Price Transparency:  price comparisons, localized prices will become apparent to shoppers
Psychological impact:  price endings? Euro eliminates price points.  Are prices in local currencies more meaningful?
Other costs - tariffs, shipping, etc.

What Types of Strategies are Applicable?
What areas in your business require changes? E.g. catalogs, web sites.
 Are any of your promotions linked to certain prices having meaning? Identify strategic price points
Single prices, features as options?
Invoice currencies and payment policies
Education programs
Timing of the changeover
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