CURRENT DEPOSIT

SEP13 Target could not be achieved (gap of 198 crore) mainly due to
Withdrawal of 201 Crore fund by major Corporate / Institutions during the Half year
BRANCH

MAJOR DOWNFALL DURING APR'13 TO SEP'13

NAME
BAL
DOWNFALL
(in Crs) (Cr)

ALIPORE
BEHALA
BHOWANIPUR
BRABOURNEROAD
BRABOURNEROAD
BRABOURNEROAD
CRAVENUE
CRAVENUE
CRAVENUE
CRAVENUE
CAMACSTREET
CAMACSTREET
CAMACSTREET
DHARMATALLA
DHARMATALLA
DHARMATALLA
HAZRA ROAD
IBB KOLKATA
IBB KOLKATA
INDIA EXCHANGE
INDIA EXCHANGE
INDIA EXCHANGE
MGROAD
SECTORIII, SALT LAKE
SHAM BAZAR

Lumino Industries
KOLKATA MUNICIPAL CORPORATION
SOBHAGYA ADVERTISINGSERV
CESE
ESCROW ACCOUNT GOLDSTONE
THEOODLABARI COMPANYLTD
Impex Metal & Ferrotech
CHEMEX DETERGENT
MERICOGOLD TRADINGLIMITE
JAIMATARANI MERCHANTSLIM
NATIONAL JUTEBOARD
C.M.C
CENTREFORARCHAELOGICAL
W.B.S.I.D.C.LTD-,UPGRADAT
KOLKATA MUNICIPAL CORPORATION
THEW.B. S.I.D.C.LTD,IID
REFUGEEHANDICRAFTS
MURLIDHARRATANLAL EXPORT
SAGARVYAPAARPVT LTD
Emami Biotech Limited
PRO MINERALSPVT LTD(ESCR
OM BESCO RAIL PRODUCTSPV
G.D.TRADINGCO.
RAJA RAMMOHUN ROY LI
KOLKATA MUNICIPAL CORPORA

TOTAL

17.28
7.00
0.32
20.99
3.69
0.58
9.79
5.04
1.68
1.31
3.44
2.74
0.36
14.75
12.44
1.90
7.20
5.17
1.35
47.71
7.84
5.42
4.30
17.90
0.31

200.51

-28- branches remained negative to Mar13 contributing 168 Crore downfall.

INITATIVES:
STRATEGY :

RETAIL TIME / RECURRING DEPOSIT/NRE, FCNR, NRO DEPOSIT

POSITION
[Amt in Crore]
YTD Growth
YTD Growth
MAR-12 SEP-12
MAR-13 SEP-13
ACTUAL ACTUAL ABS
ACTUAL ACTUAL ABS
%
%

YOY Growth
ABS

SEP- 13 SEP-13
TARGET EXPECTED

TIMEDEPOSIT

6679

7423

744

11.14

9012

7064

-1948 -21.62 -359

-4.84

9605

7150

BULK(Above 10 Cr)

3274

3757

483

14.75

5084

2810

-2274 -44.73 -947

-25.21

XXX

XXX

7.67

3928

4254

326

8.30

588

16.04

XXX

XXX

XXX

XXX 2599

36.04

XXX

XXX

RETAILTIME
RD A/ COPENED

3405

3666

261

15049

7212

XXX

XXX

15117

9811

NREDEPOSIT

96

121

25

26.04

142

174

32 22.54

53

43.80

155

XXX

FCNRDEPOSIT

45

44

-1

-2.22

47

64

17 36.17

20

45.45

51

XXX

NRO DEPOSIT

32

24

-8 -25.00

22

24

0.00

25

XXX

9.09

Retail Time Deposit has shown remarkable growth (16.04% YOY and 8.30% YTD
growth)
Retail Time less than 1 Crore has grown by 13.70 % over Mar13 [reached 3329 crore
compared to Mar13 level of 2928 crore]
During the Half Year, opened -9811- Recurring Deposit Account (146 RD A/C Per
Branch)
Recurring Deposit Account opening has increased by 36.04% compared to Sep12
2274 Crores of Bulk deposit could be shredded off during the Half year.
NRE DEPOSIT reached 174 Crore (against Sep13 target of 155 Crore). Already
surpassed Dec13 Target (163 Crore) and almost achieved Mar14 Target (175 Crore)
FCNR DEPOSIT reached 64 Crore (against Sep13 target 51 Crore) and surpassed
Mar13 Target (58 Crore)
NRO Deposit reached 24 Crore against Sep13 Target of 25 Crore

STRATEGY and INITATIVES :

1. Maintain the growth in Retail Time Deposit, especially retail segment below -1- Crore
Outstanding Balance.
2. Open more RD accounts with higher Instalment amount.

ADVANCE
POSITION
[Amt in Crore]
MAR-12 SEP-12 YTD Growth MAR-13 SEP-13 YTD Growth
ACTUAL ACTUAL ABS
ACTUAL ACTUAL ABS
%
%

YOY Growth
ABS

SEP- 13 SEP-13
TARGET EXPECTED

TOTALADVANCE

6037

6441

404

6.69

6853

7138

285

4.16

697

10.82

7502

7240

AVG ADVANCE

5071

5865

794

15.66

6066

6536

470

7.75

671

11.44

6743

XXX

PRIORITY SECTOR

1738

1842

104

5.98

1982

1926

-56

-2.83

84

4.56

2151

1825

91

120

29

31.87

114

120

5.26

0.00

125

119

1543

1734

191

12.38

1835

1729 -106

-5.78

-5

-0.29

1992

1641

RETAILADVANCE

682

618

-64

-9.38

722

32

4.43

136

22.01

940

740

Export Turn Over

2141

1341 XXX

XXX

3683

1543 XXX

XXX

202

15.06

2000

XXX

Import Turn Over

3328

1693 XXX

XXX

4320

1895 XXX

XXX

202

11.93

2575

XXX

Income from LC

14.52

7.90 XXX

XXX

17.38

10.44 XXX

XXX

2.54

32.15

18

XXX

Income from BG

9.67

5.66 XXX

XXX

11.47

6.65 XXX

XXX

0.99

17.49

13

XXX

AGRICULTURE
MSME[Regulatory]

754

Advance Outstanding Level reached to 7138 Crore, registered YOY growth of 10.82%
and YTD growth of 4.16%
Average Advance grown to 6536 Crore [YOY growth of 11.44% and YTD growth of
7.75%]
Surpassed expected level in Priority Sector, MSME & Retail Credit.
Retail Credit registered 22.01% YOY growth & 4.43% YTD growth.
In Agriculture Advance front, although a metro city, region maintained the level at 120
Crore level against expected level of 119 Crore.
Export Turnover reached 1543 Crore [against target of 2000 Crore], posted 15.06% YOY
growth

 Import Turnover reached 1895 Crore [against target of 2575 Crore], posted 11.93% YOY
growth
Income from LC is 10.44 Crore [target was 18 Crore], YOY growth is 32.15%
Income from BG is 6.65 Crore [target was 13 Crore], YOY growth is 17.49%

ANALYSIS
In MSME Advance
Sep13 Total Advance Target could not be achieved (Gap is 364 Crore), mainly due to
Repayment of above 700 Crore in Major Accounts during the Half Year

Major Repayment During APR- SEP '13

Branch
ALIPORE
ALIPORE
BEHALA
Beliaghata
BRABOURNEROAD
BRABOURNEROAD
BRABOURNEROAD
BURRABAZAR
Burrabazar
Burrabazar
Burrabazar
Dharmatala
DHARMATALLA
DHARMATALLA
IBB
IBB
IBB
INDIA EXCHANGE
INDIA EXCHANGE
INDIA EXCHANGE
INDIA EXCHANGE
INDIA EXCHANGE
M.GROAD
M.GROAD
M.G.ROAD
M.G.ROAD
Mid Corporate
SSI Kasba

Name of the account

Lumino Industries
LASERINDUSTRIES
Excellent Moduler
SSENirman
CSE
WBIDFC
HALLMARK
M.R. DIARY
AICGroup
Ramesh & Co
GSBihani
SSSRice Mill
SSSRICEMILL
EMDEEDIGITRONICS
VEDICA METAL
Repayment of BD
ZKL
SREI
PHILIPSCARBON BLACK LTD
Super Smelters
Simplex Infrastructure
Emami Biotech
Concast Exim
MJRsteels
VARDHAMAN EXCEL
JRD INDUSTRIES
Royal Infra
Technokon

Amount (in Crore)

16.15
10.96
3.95
3.00
31.00
26.00
6.19
5.00
3.00
3.00
1.00
4.00
3.50
2.50
8.00
5.00
5.00
393.00
75.00
35.00
15.00
10.00
20.00
13.00
4.90
4.00
12.50
2.50

TOTAL
722.15

-24- Branches remained negative to Mar13 contributing 94 Crore downfall.

INITATIVES

 To encourage the Real Estate Company to recommend our facility rich Housing Loan
product to the potential buyers, we have conducted Builders Meet.
Region has organized Car Dealers Meet to boost Auto loan.
Organized Centralized Retail Credit Camp to boost retail portfolio.
Celebrated Retail Mega Camp on 5th OCT13, inaugurated by Respected Executive
Director Shri B. B. Joshi.
Leaflet about Retail portfolio has been distributed.
Stall given at SME Conclave at Milan Mela, organized by Industry Department, Govt.
of West Bengal.
Performance of branches in Retail as well as SME portfolio is being monitored on
weekly basis.
Retail Loan Factory has organized camps at potential locations like Panchsheel Vatika,
Eden City, Swabhumi Heights, Neeldiganata, Dishan Mega City for Housing loan
leads.
RLF has been sensitized to approve more Housing Projects and to increase number to
takeover loans.
SMELF has been Guided/ Advised to improve the TAT and speed up the sanction.

STRATEGY
1.
2.
3.
4.
5.
6.
7.

To organizing Camp & Road Shows for both Retail and MSME Advance.
we are organizing Retail Mega Camp on 5th Oct13
More and more Project Approvals.
To weekly monitor & follow up with branches for quality lead generation.
Follow up with branches for better Utilization of Limits.
Speedier Sanction of Proposals TAT improvement
Special focus on SME Loan Factory & Retail Loan Factory for selling new customers in
our fold.
8. To participate in new Projects of Existing Corporate.
9. To enter consortium of other Major Corporations.
10. Cross selling of Retail Loan Products.

Loss Making Branches

Loss Making branches

Negative Branch

MSME

1 Reclassified to Wholesale
. VIOM Netwotks -136 Cr
Kohinoor Paper & Newsprint

86-

3. Closed / Left
1. Classic Electorde 7 Cr
2. Kritika Warwes 17 Crore
3. Anushree Texttiles 20 Cr
4. Balagi Solutions 13 Crs.
Sundry Bill Discounsting Faiclity around 50 Cr.