Page 1RETAIL ASSETS WING, HO, BANGALORE

Retail Assets WingWelcomes

ALL

Page 2RETAIL ASSETS WING, HO, BANGALORE

PERFORMANCE UNDER RETAIL LENDINGPERFORMANCE UNDER RETAIL LENDING(Rs. In Crores)(Rs. In Crores)

Sl. No

Segment

Actuals Growth over March 2013

Target

Mar-13 Jun-13 31.07.2013 Sep-13 Mar-14

Actuals Y o.Y

Growth (%)

Target Actuals Y o.Y

Growth (%)

Amount Y o.Y

Growth (%)

Qtm % Amount Gap Target Gap

1Housing LoanDirect

8688 5.89% 9630 9831 19.55% 10081 22.4% 1393 16.0% 11200 1119 15000 4919

2

Other Personal Loan

5612 12.67% 6300 6411 27.66% 6474 27.8% 862 15.4% 7500 1026 10200 3726

Out of which Vehicle Loan

1913 17.80% 2350 2092 28.66% 2147 31.1% 234 12.2% 2900 753 4000 1853

3 Education Loan 4343 8.77% 4550 4416 8.26% 4512 7.9% 169 3.9% 5125 613 5700 1188

4 TOTAL 18643 8.52% 20480 20658 19.24% 21067 20.5% 2424 13.0% 23825 2758 30900 9833

Housing Loan - Indirect 4446 -41.54% 4400 4576 -20.08% 6828 50.5% 2382 53.6% 6500 -328 6500 -328

TOTAL RETAIL LENDING

23088 -6.84% 24880 25234 9.87% 27895 26.7% 4807 20.8% 30325 2430 37400 9505

Page 3RETAIL ASSETS WING, HO, BANGALORE

Bank

RETAIL CREDIT SHARE OF RETAIL CREDIT TO

BANK'S CREDIT ( % ) RANKINGMar.13 Jun.13

Growth over March

Qtm % Mar.13 Jun.13 Growth over March

Canara Bank 23089 25234 2145 9.3% 9.5 10.0 0.4 1

Union Bank of India 19770 20666 896 4.5% 9.4 10.2 0.9 2

Bank of India 22350 22972 622 2.8% 7.7 7.5 -0.2 3

Punjab National Bank 31310 31573 263 0.8% 10.3 10.2 0.0 4

Central Bank of India 22209 21219 -990 -4.5% 12.6 12.1 -0.5 5

Bank of Baroda 38228 32096 -6132 -16.0% 11.7 10.0 -1.7 6

Share of Retail Lending in Total Advances Share of Retail Lending in Total Advances – – VVis – a – is – a – VVis – is – Peer Banks Peer Banks(Rs. In Crores)(Rs. In Crores)

Page 4RETAIL ASSETS WING, HO, BANGALORE

VIJETA CAMPAIGN – RETAIL ASSET HUBHOUSING LOAN ACHIEVERS – GROUP A

Name of RAHSanction Target for June 2013

Sanction Achievement for

June 2013% Achieved

Eligibility for Incentives

Incentive Amount

BANGALORE- M.G. Road 45 77.89 173.09 YES Rs.15,000/-

DELHI – B.D. Road 45 68.37 151.93 NO -

BANGALORE –Basavanagudi 30 35.70 119.00 NO -

BANGALORE- Rajajinagar 30 31.08 103.60 NO -

CHENNAI – K.B. Nagar 30 30.20 100.67 NO -

Incentive Restricted to 25% of achievers

Page 5RETAIL ASSETS WING, HO, BANGALORE

VIJETA CAMPAIGN – RETAIL ASSET HUBHOUSING LOAN ACHIEVERS – GROUP B

Name of RAHSanction Target for June 2013

Sanction Achievement for

June 2013% Achieved

Eligibility for Incentives

Incentive Amount

Noida 10 15.32 153.20 YES Rs.12,000/-

Chandigarh 15 21.67 144.47 YES Rs.12,000/-

Ernakulam 25 32.30 129.20 NO -

Trichy 10 12.59 125.90 NO -

Coimbatore 15 18.01 120.07 NO -

Calicut 10 10.09 100.90 NO -

Patna 15 15.10 100.67 NO -Incentive Restricted to 25% of achievers

Page 6RETAIL ASSETS WING, HO, BANGALORE

VIJETA CAMPAIGN – RETAIL ASSET HUBHOUSING LOAN ACHIEVERS – GROUP C

Name of RAHSanction Target for June 2013

Sanction Achievement for

June 2013% Achieved

Eligibility for Incentives

Incentive Amount

Mangalore 15 16.77 111.80 YES Rs.8,000/-

Vishakapatnam 10 10.92 109.20 NO -

Mysore 10 10.84 108.40 NO -

Bhopal 30 30.10 100.33 NO -

Incentive Restricted to 25% of achievers

Page 7RETAIL ASSETS WING, HO, BANGALORE

STRATEGIES FOR INCREASING RETAIL LENDING

Aligned interest rates on Retail loans with the market ( Housing,

Vehicle, Personal, Canara Mortgage and Canara Rent).

Introduced new product variants like Loan Against Property,

Home Loan Plus for housing loan borrowers, overdraft under Swarna

Scheme, Canara Consumer Loan..

Empowered field functionaries with adequate sanctioning powers.

Stream lining the working of Retail Asset Hubs for quick delivery.

Delinking of Vehicle Loan sanctions from RAHs.

Provision of adequate staff to RAHs including Marketing Officers. Identified 1000 branches with high Retail potential – envisaged

growth of Rs.10 Crores / Rs.20 Crores / Rs.30 Crores.

Page 8RETAIL ASSETS WING, HO, BANGALORE

STRATEGIES FOR INCREASING RETAIL LENDING

Wide publicity for retail products – through print & electronic media,

wall paintings, Airport trolleys, TV Scrolls, pamphlets, posters and

banners.

Monitoring and close follow-up of leads conversion at Wing and Circle l

Level.

Policy framed for payment of Builder and Dealer incentives in tune with

market.

Incentive linked campaigns for retail products i.e VIJETA series

Launched, (specially Home loans and Car loans).

Direct Marketing teams at HO/ Circle/ RAH and select Retail focus

branches for sourcing business.

Page 9RETAIL ASSETS WING, HO, BANGALORE

STRATEGIES FOR INCREASING RETAIL LENDING

Tie up for Retail business for all Corporate clients.

Vide publicity through Retail camps and Exhibitions across the country

all over Major centres.

Close monitoring of performance of RAHs and Circles.

Popularising the Camp approach for sanction and disbursement of

Retail loans .

Continuous policy changes in Retail Schemes in tune with market

conditions.

Increasing tie up with Builders and Dealers and also with Automobile

manufacturers.

Permitting packages for corporate and Govt. Employees with liberal concessions in Retail Schemes.

Page 10RETAIL ASSETS WING, HO, BANGALORE

REQUIREMENTS / EXPECTATIONS FROM RAH’S

Improvement in ambience of RAH with increased customer Conveniences.

Having adequate young Valuers and Advocates for quick submission of reports

Use of ALPS for quick sanctions, correct documentation and reducing turn around time.

Disbursements of all loans through RAH. Increased visibility of Banking Schemes in the area and increased

market share.• Having large builders and dealers tie up.• Effective utilisation and close monitoring of Marketing Officers.• Quick Disposal of applications received through OLTS .

All Inactive / Nil lending branches to be activated.

Page 11RETAIL ASSETS WING, HO, BANGALORE