AccountPlan RBL

8/9/2019 AccountPlan RBL

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ELS BUSINESS ENHANCEMENT

Account Plan

THE RATNAKAR BANK LIMITED

BANKING INDUSTRY

(BFSI;Kolhapu! Mahaa"hta; #$%&; R'tal Sta)) an* Cu"to+' Ca' Sta)),

Strictly Private Confidential Page 1 of 18


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#- E.ECUTI/E SUMMARY Ratna0a Ban0 (RBL,

Co+pan1 Po)l' #

Established in 1943, RBL Bank undertook a transformational journey under a new management team in

!1!" RBL Bank embarked on an aggressi#e growth $lan based on a robust $latform of strong

go#ernan%e, relationshi$s, te%hnology infrastru%ture, high &uality %a$ital and geogra$hi% e'$ansion" (#er

the last two years, it has infused %a$ital of o#erRs.1,1!! )rore from some of the most notable global and

domesti% names, taking the *+ER 1 %a$ital toRs.1,!! )rore

*oday, RBL Bank offers s$e%iali-ed ser#i%es under the fi#e business #erti%als. namely )or$orate /

+nstitutional Banking, )ommer%ial Banking, Retail Banking, 0gri / e#elo$ment Banking and 2inan%ial

arkets" *he bank %urrently ser#i%es o#er Lakh %ustomers and has a total business si-e of

o#erRs.14,!! )rore"

0s of ar%h, !14, RBL Bank has grown to a network of 15 bran%hes and 3! 0*s a%ross 1 +ndian

states"

K'1 R'c'nt D'2'lop+'nt" 3

Bestowed with the honour of being Indias Best Bank (Growth) in the mid-sized banks segment by

Business Today and K!G and a"so ranked #th o$era"" for the year %&'%

warded as winner of the Best ore Banking ro*e+t, India for the year %&'% at the se$enth sian Banker

Te+hno"ogy Im"ementation wards

Ratnakar Bank inno#ates using %loud based te%hnologies to deli#er a$$li%ations3

RBL Bank to raise about Rs !! %r from +6( in 74 2814

Ratnakar Banka%&uired Royal Bank of %otland:s RB< %ommer%ial and home loan $ortfolio along with

its %redit %ard business in +ndia for an undis%losed sum"

K'1 Tann4 In*cato" 5

' htt//www.rb"bank.+om/bout0s.as1

% htt//www.rb"bank.+om/dfs/fi/nnua"-Reort-%&'%-'2-3eb.df

2 htt//www.rb"bank.+om/!ediaenter.as14usage%-tab

5 htt//arti+"es.e+onomi+times.indiatimes.+om/%&'5--&6/news/567'86&59'9rb"-bank-+aita"-infusion-asia-

+aita"

# htt//arti+"es.e+onomi+times.indiatimes.+om/%&'2-&:-'&/news/5'%5'#659'9rbs-ratnakar-bank-ri$ate-

banking-business

8 htt//www.rb"bank.+om/dfs/fi/nnua"-Reort-%&'%-'2-3eb.df

http://economictimes.indiatimes.com/topic/Ratnakar%20Bankhttp://economictimes.indiatimes.com/topic/Ratnakar%20Bankhttp://economictimes.indiatimes.com/topic/Ratnakar%20Bank


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5/18

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;- GR9UP 6 ACC9UNT RELATI9NSHIP STRATEGY:

i" ($$ortunity a$$ing

Cl'nt


6/18

4" S>9T ANALYSIS

9u St'n4th":

End to end solution

E'%ellent eli#ery 7uality

6roje%t anagement

%alable system

Easily manageable re&uirements

Less 6ri%e

9u >'a0n'""'":

Brand =ame Re%ognition

Less e'$ertise

9u 9ppotunt'":

RBL is in growing $hase

RBL has geogra$hi%ally s%attered workfor%e

RBL kee$s themsel#es te%hnology u$dated

9u Th'at".

)om$etition

Re$li%ationK

%- INDUSTRY BACKGR9UND

i" Deneral

Ban0n4! Fnancal "'2c'" an* In"uanc'BFSI< is an industry term for %om$anies that $ro#ide a

range of su%h finan%ial $rodu%tsser#i%es su%h as uni#ersal banks" B2+ usually %om$rises of

%ommer%ial banks, insuran%e %om$anies, nonAbanking finan%ial %om$anies, %oo$erati#es, $ensions

funds, mutual funds and other smaller finan%ial entities"

Banking may in%lude%ore banking, retail, $ri#ate, %or$orate, in#estment, %ards and the like" 2inan%ial

er#i%es may in%lude sto%kAbroking, $ayment gateways, mutual funds et%" +nsuran%e %o#ers

bothlifeLi#ing4! billion< andbank +reditof#%8&5.#6 bi""ion @>9! billion or M! billion


7/18

*he net $rofit of the banks o$erating in +ndia was'&%7.#' bi""ion@15 billion or M13 billion< against a

turno#er of6'5:.#6 bi""ion @1! billion or M11! billion< for thefis+a" year!1A13"9

+ndia is one of the to$ 1! e%onomies globally, with #ast $otential for the banking se%tor to grow" *he last

de%ade witnessed a tremendous u$surge in transa%tions through 0*s, and +nternet and mobile

banking" +n !14, the %ountryCs Rs >1 trillion @ 1"34 trillion< banking industry is set for a greater

%hange" *wo new banks ha#e already re%ei#ed li%enses from the go#ernment" 2urthermore, the

Reser#e Bank of +ndiaCs RB+< new norms will $ro#ide in%enti#es to banks to s$ot $otential bad loans

and take %orre%ti#e ste$s that will %urb the $ra%ti%es of rogue borrowers"

*he +ndian go#ernmentCs role in e'$anding the banking industry has been signifi%ant" *hrough the

2inan%ial +n%lusion 6lan 28 1!I13


8/18

Stuctu' o) In*an BFSI S'cto

R'c'nt T'n*" n In*an Ban0n4 In*u"t1##

+ndian banking industry, #alued at Rs 55 trillion our%e. +BE2


9/18

global finan%ial %risis" Banking se%tor, being ine'tri%ably linked to the e%onomy, stood in a state of limbo

for major $art of 2813"

uring 2813, the gross bank %redit grew at a slower $a%e re%ording 1"1? 8o8 growth as against

15"3? a year ago"

*he RB+ had administered a 1? re$o rate %ut and inje%ted li&uidity through )RR and LR %uts as alsothrough o$en market o$erations during 2813" Howe#er, banks ha#e only %ut their base rate by meager

!"?A!"3!? owing to the li&uidity %onstraints and weak de$osit growth"

*he shar$ industrial slowdown during 281 and 2813 took a toll on the asset &uality of the banks"

Dross =60s of 4! listed banks went u$ by 43"1? from le#els a year ago" *he restru%tured book also

s$iked u$ dramati%ally with re%ast assets under )R standing around !? more than the $re#ious

year" *he re$er%ussions were largely felt by $ubli% se%tor banks as they were the ones to su$$ort the

$rodu%ti#e se%tors of the e%onomy"

6ri#ate se%tor banks, on the other hand, were better $la%ed than its 6@ $eers during 2813" Betterasset &uality, higher margins and strong loan growth boosted the $erforman%e of $ri#ate banks during

the same $eriod"

Po"p'ct"

Doing forward in 2814, the E%onomi% 0d#isory )oun%il of 6rime minister e'$e%ts the e%onomi% growth

to rise to "4? from the %urrent ? on the ba%k of the re%ent stru%tural measures and normal

monsoons"

Drowth is still a %on%ern for the banking se%tor on a%%ount of a sustained slowdown in the e%onomy as

well as redu%ed demand for %redit on a%%ount of the %urrent high interest rate en#ironment"

*he domesti% e%onomi% slowdown will %ontinue to $lay s$oils$ort resulting in in%rease in nonA

$erforming loans and restru%tured loans es$e%ially for 6@ banks"

Doing by the dynami% nature of the real e%onomy, it is im$erati#e that the banking system will re&uire

being fle'ible and %om$etiti#e" =otwithstanding the e'$anding bran%h network of +ndian banks, the

banking $enetration still stands low in %om$arison to the global ben%hmark" Hen%e, the $ressing need

for finan%ial in%lusion and the issuan%es of new banking li%enses to the $ri#ate se%tor will %ontinue to

take $re%eden%e e#en in 2814" *he RB+ is in the $ro%ess of issuing new bank li%enses to those $ri#ate

$layers that would stand %onsistent with the highest standards of trans$aren%y and diligen%e"

K'1 Chall'n4'"

+n%reasing the $enetration of banking in rural area"



10/18

*a%kling demand su$$ly mismat%h"

)redit disbursement to the $riority se%tor"

aintaining asset &uality"

+m$ro#ing risk management me%hanism"

*e%hnology ado$tion"

ii" *raining Related1

*he ty$i%al fun%tion of a bank %an be %ategorised in three broad fun%tions as shown below .

0fter knowing about this %ategorisation we %an design our offerings in a way so as to fulfil these re&uirements

of bank staff"

*he table below shows the distribution of human resour%e in different fun%tions"

'% >F Reort on B


11/18

0s we see from this data, majority of human resour%e is busy handling o$erational a%ti#ities of the bank

followed by ales / arketing Norkfor%e" Hen%e for a training %om$any ($erations and ales / arketing

workfor%e %an ser#e as major target %ustomers"

Below table gi#es an o#er#iew about the regional distribution of Human Resour%e for Banks

0s !? of the Human Resour%e is em$loyed in etro / @rban regions of the %ountry, it gi#es us an

o$$ortunity to introdu%e our solutions there #ery easily as there wont be any $roblem meeting the

infrastru%ture re&uirements"

*he table below shows the Deogra$hi% istribution of Human Resour%e for Banks"

*his data again shows nearly e#en distribution of workfor%e a%ross different regions" *hus em$loyees of bank

work at geogra$hi%ally s%attered lo%ations" *hus our training offering in the form of solution makes e#en

more sense and hel$s banks to %ondu%t training $ro%esses more effi%iently"



12/18

6rofile of $eo$le em$loyed in banks

istribution of human resour%e by edu%ation le#el



13/18

*he tables abo#e gi#es brief o#er#iew of different $osts in bank at #arious le#els and the $rofile of workfor%e in

terms of their edu%ational &ualifi%ations and e'$erien%e"0fter analysing this data, a training institute %an design %ourse offerings rele#ant to the $rofile of em$loyed

workfor%e"

kill Re&uirements and kill Da$

*his table gi#es o#er#iew about kill Re&uirements for a $arti%ular role in Banking +ndustry and what are the

kill Da$s obser#ed in those em$loyees so that a$$ro$riate offering or %ourse stru%ture %ould be designed for

the same"



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6ossible fo%us areas for kill Building

0%%ording to the analysis of the information a#ailable abo#e =) re%ommends below mentioned

areas to fo%us for kill Building.

iii"a$ 6layers and arket i-e

Gey 6layers in +ndian Banking +ndustry 13

'2 htt//www.i+ra.in/


17/18

i#" (thers

Road 0head14

+ndiaCs banking se%tor has the $otential to be%ome the fifth largest banking se%tor globally by !! and

the third largest by !" *he industry has witnessed dis%ernable de#elo$ment, with de$osits growing

at a )0DR of 1" $er %ent in terms of +=R< in the $eriod 28 !I13; in 28 13 total de$osits stood at

@ 1,54"3 billion"

*oday, banks are turning their fo%us to ser#i%ing %lients" Banks in the %ountry, in%luding those in the

$ubli% se%tor, are em$hasising on enhan%ing their te%hnology infrastru%ture, in order to im$ro#e

%ustomer e'$erien%e and gain a %om$etiti#e edge" *he $o$ularity of internet and mobile banking is

higher than e#er before, with )ustomer Relationshi$ anagement )R< and data warehousing

e'$e%ted to dri#e the ne't wa#e of te%hnology in banks" +ndian banks are also $rogressi#ely ado$ting

an integrated a$$roa%h to risk management" ost banks already ha#e in $la%e the framework for

assetIliability mat%h, %redit and deri#ati#es risk management"

14 htt$.www"ibef"orgindustrybankingAindia"as$'



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AccountPlan RBL