Our scorecard for assessing the player’s overall strength in the credit card & payment business A typical financial summary report on credit cards consists of following high level indicators tracked at least on a monthly/weekly base We Credit Card Leadership focuses on a few key areas in operations, marketing and risk management issues Increase visibility at point-of-sale (POS) Tie-up with 50% of top 20 merchants (based on card spend) Broaden tie-up with key retailers for special seasons; presence in all major malls Instant card issuance Card issued within 1 hour of application on-site   Use of advance analytics to predict customer’s spending and card utilization behavior resulting in a gain in share of revolving balance Superior reward programmes over risk based pricing features X% cash back permanently Source: Asian Banker Research 1