KBS Local Area Bank (the financial inclusion lab) Welcomes You Oct 20, 2011
BASIX Group Corporate Structure BASICS Ltd Financial Knowledge Services Services Indian Grameen Services Bhartiya Samruddhi (IGS) Finance Ltd. (BSFL) BASIX Consulting ( BASIX Academy) CTRAN Krishna Bhima Samruddhi Consulting P. Ltd. Local Area Bank (KBSLAB) The Livelihood School B ‐ ABLE BASIX Krishi Sub ‐ K
KBS Genetics – A special category of Banks ‐ LAB – Commenced operation in Feb, 2001 – Operating area restricted to 4 districts – Can raise resources from outside, but can deploy only within – By Choice, adopted Microfinance as business model – The only bank of its kind – A BASIX Group Entity
Mission “..to be a sustainable local community based institution providing financial services to the underserved, particularly rural poor and women and to arrange provision of technical assistance and support services to the borrowers with the ultimate goal of promoting a large number of sustainable livelihoods in the area ”.
Vision 2014 ‘… By 2014, to be the preferred micro finance bank, promoting livelihoods of 0.5 million underserved customers particularly poor and women, with a deposit base of 300 crores, assuring a healthy return to stake holders …’
Coverage
Current Channel Head Office Mahabubnagar Districts – 4 Yadgir Gulbarga Mahabubnagar Raichur Branches – 14 4 4 1 5 BC Hubs – 19 4 5 5 5 12 BC Spokes ‐ 40 8 8 12 Total ‐ 73 14 20 18 21
Business Correspondent – Extended ‘out ‐ reach’ through BC – Adopted a ‘Hub n Spoke’ model (19+40) – Integrated the BC in to the bank as much regulation allowed – To reach more customers in remote location ( Financial Inclusion)
Structure at Head Office CEO/MD MANCOMM COO, Head Finance and treasury, Head Credit, Head Savings and Business Development, and Head Risk based Internal Audit Secretary ‐ Head Compliance & Risk (Non ‐ Credit) Customer Service Risk Commitee HR Commitee Credit Commitee HOLC I ‐ II ALM Committee Commitee Head ‐ Finance and Head – Compliance Head – Risk based Head – Savings & Head – BC Chief Operating Officer Head – Credit Treasury & Risk (non ‐ credit) Internal Audit Business Development MN Askari Hariprasad N Madhusudhan CR Sankar Parameswara Rao Chandrakant K Anand Solanki Corporate Affairs AM Accounts AM Internal Audit Branch & BC AM BDS ‐ Vignesh, AM –GLB Manager Credit Operations Raghu & Ravi Patnaik Rashid & Vishal Vishnu Joshi R Desai AM Credit Supervision AM ‐ ITC Treasury Compliance and Brand Building and Vandana Risk Supervision BASIX cell ‐ Imtiaz Naveen & Srini To Appoint AM GME Special Projects Ex. MIS AM HR and Admin Siraj & Tompe To Appoint Anuradha Satish AM Credit Appraisal, Insurance & Pension Narendra AM Ag/BDS Vignesh
Structure at Branch Branch Manager Asst. Branch Office in Charge + Manager Banking Assistant BDX2 BDX 1 BDX 3 Customer Service Livelihood Service Micro Saving Representative Provider Assistant (CSR) (LSP) (MSA)
Structure at BC Hub Bank BDX Transaction assistant Custom er Service Livelihood Service Microsaving Service Provider ( CSP) Provider ( LSP) Provider ( MSP)
Service spectrum – Savings – Credit – Insurance ‐ life, health and enterprise – Agri Business Development Services – Business & institutional Development services
Financial Highlights
Deposits 100.00 300.0 271.2 248.5 250.0 80.00 185.5 200.0 60.00 92.51 135.2 150.0 74.57 40.00 100.0 61.1 55.55 20.00 43.42 50.0 27.38 ‐ ‐ 06 ‐ 07 07 ‐ 08 08 ‐ 09 09 ‐ 10 10 ‐ 11 Deposit Outstanding Deposit Accounts Amount in Crores / Accounts in ‘000’
Advances 100.00 80.0 67.0 80.00 61.5 60.0 55.1 60.00 45.2 40.0 88.32 78.11 32.5 40.00 63.75 52.10 20.0 20.00 30.21 ‐ ‐ 06 ‐ 07 07 ‐ 08 08 ‐ 09 09 ‐ 10 10 ‐ 11 Credit Outstanding Credit Accounts Amount in Crore / Accounts in ‘000’
Customer base 200.0 163.6 150.0 131.8 102.8 100.0 89.4 56.8 50.0 ‐ 06 ‐ 07 07 ‐ 08 08 ‐ 09 09 ‐ 10 10 ‐ 11 Numbers in 000
CD Ratio 200.00 150.00 119.99 114.77 110.33 104.75 100.00 95.47 50.00 ‐ 06 ‐ 07 07 ‐ 08 08 ‐ 09 09 ‐ 10 10 ‐ 11 Numbers in %
PBT & PAT 3.50 3.00 2.96 2.50 2.00 1.82 1.78 1.50 1.47 1.19 1.00 0.88 0.78 0.50 0.52 0.46 0.30 ‐ 06 ‐ 07 07 ‐ 08 08 ‐ 09 09 ‐ 10 10 ‐ 11 PBT PAT Amount in Crore
Return on Equity 16.00 12.62 12.00 10.04 8.69 8.00 6.09 5.27 4.00 ‐ 06 ‐ 07 07 ‐ 08 08 ‐ 09 09 ‐ 10 10 ‐ 11
Return on Assets 1.60 1.37 1.20 1.14 0.98 0.86 0.80 0.76 0.40 ‐ 06 ‐ 07 07 ‐ 08 08 ‐ 09 09 ‐ 10 10 ‐ 11
Financial Highlights – September 2011
Key Financial Indicators – September 2011
Milestones • Reversal of CD Ratio – Cultural shift – deposit driven – New Business lines – GME and Liabilities • Technology – GPRS POSs – CBS – futuristic hardware configuration • Brand Building – Audio/Visual Van Campaigning – Sponsoring local events/fairs. – Advertisement on public transport –Buses and Auto. – Welcome boards in branch towns and – village direction boards for 33 BTD villages
Projections 2014
Challenges • Capitalization • Environment – AP crisis ‐ Potential Fallout • Financial Literacy both among staff and customers • Diversification of Business Portfolio – too concentrated • Expansion
The effort continues… The effort continues…
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