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VARSHA GOLEKAR
MMS-II (FINANCE)
A-18
TO BE /NOW
PRIORITY
APPROACH
banking
transactions
(Customer is King)
Retail consumers,
corporate clients, other
banks
FORMATS
Single Entity
Multi-location, multi
branch
MORE EMPHASIS
Improving transactional
ON
efficiency
value to consumers
CUSTOMIZATION
Rarely there
Highly customized
LEADERS
P
D
Product
leader
Distributor
Utility
Processor
LAGGARDS
P
D
Retail banks,
continuing to
pursue a doing
everything
approach will not
be able to build
strong capability in
all models.
Retail Banking
Product
Portfolio
Deposit
Fixed deposit
Saving account
Current Account
Services
Credit card
Debit card
Recurring Account
Net bankingMobile
banking
NRI Account
Education Loan
Phone banking
Corporate Salary
Account
Professional Loan
Demat Account
Minor Account
Senior Citizenship
Account
ATM
Smart card
24*7 cheque issuance
facility
Techno-savvy Bank
Multiple delivery channels such as ATM, Internet, Mobile
First Bank in Co-operative sector to install Cheque Depository Machines and Automated
Cheque Issuance Machine at 63 branches, which are operational 24 X 7
Bancassurance: Agent for Max New York Life Insurance Co. Ltd. for Life Insurance products
and with The Oriental Insurance Co. Ltd. for General Insurance
Centralised
Model
The valuation
(wherever applicable)
through the panel
valuer
Receiving acceptance
for the terms and
conditions
Obtain the
Encumbrance Certificate
and legal opinion from
lawyer
Execution of documents
for the loan and also
completing the
mortgage formalities
(wherever applicable)
Auditing is done by
auditors on weekly
basis sometime daily
basis.
Receipt of application
and details from the
branch
GENERAL DOCUMENTS
1. Promissory note
2. Term loan agreement
3. Deed of guarantee
4. Section 60 Borrower,
Guarantor
5.Letter of Lien and set off
6. Post dated cheques
Housing
loan
1. Society NOC
2. Sale deed
3. Title Deed
4. Valuation Report
5. Credit Report
6. Non encumbrance
certificate
7. Mortgage deed
Other supporting
documents
Personal
Loan
1. End use
declairation
Supporting
Doucuments
Education
Loan
1. Institute fees
structure
2. Fee receipt
3.Educational
Certificates
Other supporting
document
Processing Failures
& Frauds
Regulatory Compliance
Customer Fall to
Pay
BUSINESS
RISK
CREDIT
RISK
OPERATING
RISK
MARKET
RISK
Change in
Market Price
RECOVERY OF LOAN
Outcome Here
TJSBs deposits has increased by 25.16% shows opportunities for further growth.
Advances has increased by 32.55% in 2012,
shows retail segment growth
Gross NPA has decreased and CRAR has also
decreased by 0.61%. It also reflects the
efficacy of banks credit risk management and
the recovery environment.
% Increase/Decrease
35.00%
30.00%
25.00%
20.00%
15.00%
10.00%
5.00%
0.00%
-5.00%
% Increase/Decrease
Deposits
Advances
Net Profit
25.16%
32.55%
21.20%
Gross
N.P.A
-0.79%
C.R.A.R
-0.61%