Investor Presentaiton
Clearly Articulated Strategy
1
Increase Deposits
2
Increase Advances
++ ESAF
ESAF SMALL FINANCE BANK
Joy of Banking
o Target new & existing customers for CASA, fixed deposits and
recurring deposits by focusing on customer service & offering
competitive pricing
o Add more BCs for sourcing deposits from micro loan customers
○ Appoint dedicated relationship managers to target HNI
customers
o Focus on high NRI remittances regions by launching targeted
campaigns around festivals, conducting marketing activities at
airports, malls, etc., and entering into tie-ups with third parties,
such as remittance arrangers
○
Micro Loan Business:
.
Cross selling and up-selling to its customer base
Appoint new BCs and have its banking agents start to source customers.
О
Retail Loans:
•
Increased focus by targeting agriculturists/small farmers, salaried employees, students etc. in small towns/rural India
Offer personalized loan products to salaried account holders
• Have hired a Senior VP to concentrate on increasing its mortgage business
MSME Loans:
.
Help its Micro Loan customers to grow their business with additional funding
•
Find more customers for small ticket term loans
3
Deeper Penetration
•
Increase supply chain finance by partnering with fintech/tech platforms to find more customers for its working capital loans
○ Agriculture Loans:
• Appointing agri relationship officers in more states
4
.
Entering into relationships with more FPOS
Increase Fee Income
Leverage Technology And
5
Customer Data Analytics
o Open additional Branches, ATMs along with engaging existing &
new BCs to go deeper in existing states
o Continue to open branches in urban and semi-urban areas taking
into account aggregate deposits, deposit growth, number of urban
households, households with banking access, share of PSU deposits
and total NRI remittances
o Expand third-party product and service offerings like
mutual funds distribution and other fee-based offerings
Plan to offer bank guarantees and letters of credit to
MSMES
o Enhance technology platforms such as internet banking,
mobile banking, ATMs, cash deposits machines, customer
service applications & payment interfaces
o This will enable us to perform more reliable data
analytics, resulting in more efficient risk management
processes & targeted customer profiling
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