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2. 2 “Selling to the poor may be more profitable than selling to you and me. This is where the future is. Opportunities are every where. The divide is not about lack of opportunity, it is about lack of imagination.” C.K. Prahalad

3. "Financial inclusion is the process of ensuring access to financial services and timely and adequate credit needed by vulnerable groups such as weaker sections and low income groups at an affordable cost.“ Dr. Rangarajan Committee on Financial Inclusion What is financial inclusion

4. 4 FINANCIAL INCLUSION- OUR ENDEAVOUR FINANCIAL INCLUSION- OUR ENDEAVOUR

5. Our Efforts – So Far 5

6. Achievements at a Glance 6

7. 3.3 mn + Customer base 7 AP UP Achievements at a Glance

8. Our Experiential Learnings 8

9. Particulars 2009-10 2010-112011-122012-13 Total Villages to be covered at the end of the year 10804180002500032000 Out of Which 2000+ Population Villages 1004 350441634163* Out of Which Less than 2000 Population 9800 144962083727837 Deployment of BLBUs (CSPs)250090001500020000 Total Customers 3.8 6.89.010.0 Mission to Achieve 9 *No of villages with 2000+ population is 3159 allotted by SLBCs for coverage by March, 2012

10. The Target 10

11. Target Segment 11

12. 12 How the bank is moving ahead The Strategy

13. 13 The Strategy

14. The Action Plan 14

15. The Action Plan 15

16. Technology Adopted 16

17. Year / Parameter 2009-102010- 112011- 122012-13 No. of accounts (in lakhs) 20415764 Total deposits 100024754800 8000 Total Advances 400165038406400 Total Business 14004125864014400 (Rs. In Lacs) Projected Business under FI 17

18. Micro-Credit Products on Offer…

19. Micro-Products on Offer…

20. 20 Reaching Out To Small & Marginal farmers- PACS MODEL:  Bridge the funding gap faced by members due to paucity of funds in PACS and relieve farmers from the clutches of informal sources/ money lenders (70% PACS members are small & marginal farmers)  Co-options, a Technologies Solution Ltd. Co., has bagged computerization of PACS in AP pursuant to Vaidyanathan Committee recommendations  Co-Options Technologies Limited offers end-to-end services in enabling Bank to provide top up crop loans to farmer members of PACS through BC-M/s Co- Options Rural Foundation (CRF)  Co-Options solution envisages sourcing farmer, undertaking due diligence, disbursement and recovery of dues. The sanction of loan is vested with Branch Manager Our Pioneering Efforts

21. 21 2748 PACS in AP are with better track record. Of these 625 are computerized Credit requirement of each PACS is Rs 83.75 lacs Hence, scope of lending to farmers through this model Rs.500 Crores in the state of Andhra Pradesh Loan ticket size is Rs 1.00 lac Pilot launched in February 2009 at Nizamabad, Chittoor and East Godavari districts of AP - successful with 99% recovery 7000 loans sanctioned -- amount disbursed Rs 23.00 Crore Reaching Out To Small & Marginal farmers- PACS MODEL: Contd…

22. The slides created here are for internal use. Copy or unauthorized replication should be avoided 22 Thank You