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
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