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SEP13 Target could not be achieved (gap of 198 crore) mainly due to
Withdrawal of 201 Crore fund by major Corporate / Institutions during the Half year
BRANCH
ALIPORE
BEHALA
BHOWANIPUR
BRABOURNEROAD
BRABOURNEROAD
BRABOURNEROAD
CRAVENUE
CRAVENUE
CRAVENUE
CRAVENUE
CAMACSTREET
CAMACSTREET
CAMACSTREET
DHARMATALLA
DHARMATALLA
DHARMATALLA
HAZRA ROAD
IBB KOLKATA
IBB KOLKATA
INDIA EXCHANGE
INDIA EXCHANGE
INDIA EXCHANGE
MGROAD
SECTORIII, SALT LAKE
SHAM BAZAR
Lumino Industries
KOLKATA MUNICIPAL CORPORATION
SOBHAGYA ADVERTISINGSERV
CESE
ESCROW ACCOUNT GOLDSTONE
THEOODLABARI COMPANYLTD
Impex Metal & Ferrotech
CHEMEX DETERGENT
MERICOGOLD TRADINGLIMITE
JAIMATARANI MERCHANTSLIM
NATIONAL JUTEBOARD
C.M.C
CENTREFORARCHAELOGICAL
W.B.S.I.D.C.LTD-,UPGRADAT
KOLKATA MUNICIPAL CORPORATION
THEW.B. S.I.D.C.LTD,IID
REFUGEEHANDICRAFTS
MURLIDHARRATANLAL EXPORT
SAGARVYAPAARPVT LTD
Emami Biotech Limited
PRO MINERALSPVT LTD(ESCR
OM BESCO RAIL PRODUCTSPV
G.D.TRADINGCO.
RAJA RAMMOHUN ROY LI
KOLKATA MUNICIPAL CORPORA
TOTAL
17.28
7.00
0.32
20.99
3.69
0.58
9.79
5.04
1.68
1.31
3.44
2.74
0.36
14.75
12.44
1.90
7.20
5.17
1.35
47.71
7.84
5.42
4.30
17.90
0.31
200.51
INITATIVES:
STRATEGY :
YOY Growth
ABS
SEP- 13 SEP-13
TARGET EXPECTED
TIMEDEPOSIT
6679
7423
744
11.14
9012
7064
-4.84
9605
7150
BULK(Above 10 Cr)
3274
3757
483
14.75
5084
2810
-25.21
XXX
XXX
7.67
3928
4254
326
8.30
588
16.04
XXX
XXX
XXX
XXX 2599
36.04
XXX
XXX
RETAILTIME
RD A/ COPENED
3405
3666
261
15049
7212
XXX
XXX
15117
9811
NREDEPOSIT
96
121
25
26.04
142
174
32 22.54
53
43.80
155
XXX
FCNRDEPOSIT
45
44
-1
-2.22
47
64
17 36.17
20
45.45
51
XXX
NRO DEPOSIT
32
24
-8 -25.00
22
24
0.00
25
XXX
9.09
Retail Time Deposit has shown remarkable growth (16.04% YOY and 8.30% YTD
growth)
Retail Time less than 1 Crore has grown by 13.70 % over Mar13 [reached 3329 crore
compared to Mar13 level of 2928 crore]
During the Half Year, opened -9811- Recurring Deposit Account (146 RD A/C Per
Branch)
Recurring Deposit Account opening has increased by 36.04% compared to Sep12
2274 Crores of Bulk deposit could be shredded off during the Half year.
NRE DEPOSIT reached 174 Crore (against Sep13 target of 155 Crore). Already
surpassed Dec13 Target (163 Crore) and almost achieved Mar14 Target (175 Crore)
FCNR DEPOSIT reached 64 Crore (against Sep13 target 51 Crore) and surpassed
Mar13 Target (58 Crore)
NRO Deposit reached 24 Crore against Sep13 Target of 25 Crore
1. Maintain the growth in Retail Time Deposit, especially retail segment below -1- Crore
Outstanding Balance.
2. Open more RD accounts with higher Instalment amount.
ADVANCE
POSITION
[Amt in Crore]
MAR-12 SEP-12 YTD Growth MAR-13 SEP-13 YTD Growth
ACTUAL ACTUAL ABS
ACTUAL ACTUAL ABS
%
%
YOY Growth
ABS
SEP- 13 SEP-13
TARGET EXPECTED
TOTALADVANCE
6037
6441
404
6.69
6853
7138
285
4.16
697
10.82
7502
7240
AVG ADVANCE
5071
5865
794
15.66
6066
6536
470
7.75
671
11.44
6743
XXX
PRIORITY SECTOR
1738
1842
104
5.98
1982
1926
-56
-2.83
84
4.56
2151
1825
91
120
29
31.87
114
120
5.26
0.00
125
119
1543
1734
191
12.38
1835
1729 -106
-5.78
-5
-0.29
1992
1641
RETAILADVANCE
682
618
-64
-9.38
722
32
4.43
136
22.01
940
740
2141
1341 XXX
XXX
3683
1543 XXX
XXX
202
15.06
2000
XXX
3328
1693 XXX
XXX
4320
1895 XXX
XXX
202
11.93
2575
XXX
Income from LC
14.52
7.90 XXX
XXX
17.38
10.44 XXX
XXX
2.54
32.15
18
XXX
Income from BG
9.67
5.66 XXX
XXX
11.47
6.65 XXX
XXX
0.99
17.49
13
XXX
AGRICULTURE
MSME[Regulatory]
754
Advance Outstanding Level reached to 7138 Crore, registered YOY growth of 10.82%
and YTD growth of 4.16%
Average Advance grown to 6536 Crore [YOY growth of 11.44% and YTD growth of
7.75%]
Surpassed expected level in Priority Sector, MSME & Retail Credit.
Retail Credit registered 22.01% YOY growth & 4.43% YTD growth.
In Agriculture Advance front, although a metro city, region maintained the level at 120
Crore level against expected level of 119 Crore.
Export Turnover reached 1543 Crore [against target of 2000 Crore], posted 15.06% YOY
growth
Import Turnover reached 1895 Crore [against target of 2575 Crore], posted 11.93% YOY
growth
Income from LC is 10.44 Crore [target was 18 Crore], YOY growth is 32.15%
Income from BG is 6.65 Crore [target was 13 Crore], YOY growth is 17.49%
ANALYSIS
In MSME Advance
Sep13 Total Advance Target could not be achieved (Gap is 364 Crore), mainly due to
Repayment of above 700 Crore in Major Accounts during the Half Year
TOTAL
722.15
INITATIVES
To encourage the Real Estate Company to recommend our facility rich Housing Loan
product to the potential buyers, we have conducted Builders Meet.
Region has organized Car Dealers Meet to boost Auto loan.
Organized Centralized Retail Credit Camp to boost retail portfolio.
Celebrated Retail Mega Camp on 5th OCT13, inaugurated by Respected Executive
Director Shri B. B. Joshi.
Leaflet about Retail portfolio has been distributed.
Stall given at SME Conclave at Milan Mela, organized by Industry Department, Govt.
of West Bengal.
Performance of branches in Retail as well as SME portfolio is being monitored on
weekly basis.
Retail Loan Factory has organized camps at potential locations like Panchsheel Vatika,
Eden City, Swabhumi Heights, Neeldiganata, Dishan Mega City for Housing loan
leads.
RLF has been sensitized to approve more Housing Projects and to increase number to
takeover loans.
SMELF has been Guided/ Advised to improve the TAT and speed up the sanction.
STRATEGY
1.
2.
3.
4.
5.
6.
7.
To organizing Camp & Road Shows for both Retail and MSME Advance.
we are organizing Retail Mega Camp on 5th Oct13
More and more Project Approvals.
To weekly monitor & follow up with branches for quality lead generation.
Follow up with branches for better Utilization of Limits.
Speedier Sanction of Proposals TAT improvement
Special focus on SME Loan Factory & Retail Loan Factory for selling new customers in
our fold.
8. To participate in new Projects of Existing Corporate.
9. To enter consortium of other Major Corporations.
10. Cross selling of Retail Loan Products.
MSME
1 Reclassified to Wholesale
. VIOM Netwotks -136 Cr
Kohinoor Paper & Newsprint
86-
3. Closed / Left
1. Classic Electorde 7 Cr
2. Kritika Warwes 17 Crore
3. Anushree Texttiles 20 Cr
4. Balagi Solutions 13 Crs.
Sundry Bill Discounsting Faiclity around 50 Cr.