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Investor Presentaiton

...becoming a Banker of Choice to SMEs Average SME Loan / Account SOUTH INDIAN Bank SME Loan Book by Geography - Q4 FY19 Rs. Lakh 37.98 30.30 31.33 29.30 26.50 Rest of India 24% South (Ex- Kerala) 32% Kerala 44% • . • • Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 SME Highlights Focused 'Green Channel' branches to drive faster loan growth to SMEs Dedicated executive to ensure focus and better coordination with regions Target to become banker of choice to SMEs thereby getting other business as well – liabilities, vehicle finance Ongoing training (in-house as well as external) Entire SME loan processing centralized at Kochi at two centers- Special focus on applications up to Rs. 2.00 Cr and standardized, uniform risk based approach on Rs. 2.00 Cr to Rs. 25.00 Cr. Underwriting of loans through customized software called LOS (Loan Origination System) to ensure speedy, paperless processing with capabilities to integrate with external sources like Finacle, CIBIL, Rating Agencies etc for seamless flow of data. Regional Offices freed from processing of loan applications so as to focus on new customer acquisition and marketing 12
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