2. 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
1
Housing Loan
Direct
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
3. Page 3RETAIL ASSETS WING, HO, BANGALORE
Bank
RETAIL CREDIT SHARE OF RETAIL CREDIT
TO
BANK'S CREDIT ( % ) RANKING
Mar.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 AdvancesShare of Retail Lending in Total Advances –– VVis – a –is – a – VVis –is – Peer BanksPeer Banks
(Rs. In Crores)(Rs. In Crores)
4. Page 4RETAIL ASSETS WING, HO, BANGALORE
VIJETA CAMPAIGN – RETAIL ASSET HUB
HOUSING LOAN ACHIEVERS – GROUP A
Name of RAH
Sanction 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
5. Page 5RETAIL ASSETS WING, HO, BANGALORE
VIJETA CAMPAIGN – RETAIL ASSET HUB
HOUSING LOAN ACHIEVERS – GROUP B
Name of RAH
Sanction 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
6. Page 6RETAIL ASSETS WING, HO, BANGALORE
VIJETA CAMPAIGN – RETAIL ASSET HUB
HOUSING LOAN ACHIEVERS – GROUP C
Name of RAH
Sanction 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
7. 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.
8. 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.
9. 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.
10. 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.
