Professional Documents
Culture Documents
Marketing(Cont)
The service levels and easiness of
operation would lead to greater viral
publicity which in future would be the
bread and butter of the firms marketing.
Lastly to initiate ATMs into hitherto
unknown markets, specifically rural areas
will also increase visibility
Though the bank would look for a rural
emphasis, it would also make sure its
technologically competent.
Distribution Plans
Urban Mix
Rural Mix
Branches
Branches Increase
800
600
400
200
0
Branches
Increase
12%
14%
18%
12%
15%
8% 13% 8%
Financial Strategies
In brief
CASA to be maintained at around 25% at the end of
five years.
Reasons:
1. Rural populace will have huge SB a/c
2. Large penetration focused on rural areas.
3. Fast paced growth in existing markets and lessening
dependency on infra loans
Financial Strategies
Loan Growth Rates:
Though loans are going to rise, the rise will
be skewed towards retail loans for the
customers
Lesser intensified towards infrastructure, as
the risk is greater in this area.
Assumed to be 14% based on global trends
and existing growth rate of business
Balance sheet
Application of fund
Cash and balances with
reserve bank of india
balances with banks,
money at call and short
notice
Mar-12
246.16
246.16
0
0
6,737.84
Mar-13
246.16
246.16
0
0
6,956.15
Mar-14
246.16
246.16
0
0
7,222.98
Mar-15
246.16
246.16
0
0
7,547.08
Mar-16
246.16
246.16
0
0
7,938.41
0
0
0
0
0
6984.0028 7202.31360 7469.13629 7793.23850 8184.57496
4
7
9
7
3
10.00
15
26.25
52.5
105
15433.073 17285.0424 19359.2475 21682.3572 24284.2400
6
3
2
3
9
17300.0424 19385.4975 21734.8572 24389.2400
15,443.07
3
2
3
9
22427.076 24502.3560 26854.6338 29528.0957 32573.8150
4
4
2
3
6
0.60
0.90
1.58
3.15
6.30
75.52
76.02
77.15
79.77
85.02
8,748.99
8,752.74
advances
fixed assets
8,759.30
8,772.43
8,798.68
16918.4852 19287.0731 21987.2633
13018.225 14840.7765
1
4
8
192.73
267.73
342.73
417.73
492.73
other assets
391.01
564.19
investments
755.40
967.95
1,203.82
P& L
Rs crores
Mar-12
Mar-13
Mar-14
Mar-15
Mar-16
3264.9708 3722.0667 4243.1560 4837.1979
2864.01
3
46
91
43
Interest earned
other income
874.90
interest expended
1,853.17 2,076.01
2,326.26
2,608.18
2,926.71
934.727 1035.0612 1149.4992 1280.0997 1429.2664
1
08
49
1
23
operating expenses
provisions and
contingencies
net profit
875.27
875.93
877.24
879.87
951.01
1,029.18
1,122.24
1,232.12
1,361.09
transfer to capital
reserve
2.38
2.57
2.81
3.08
3.40
transfer to statutory
reserve
237.75 257.29
280.56
308.03
340.27
transfer to investment
reserve
0.19
0.21
0.22
0.25
0.27
dividend paid and its
tax
318.2
318.2
318.2
318.2
318.2
Thank you