Page 19 - Demo

CORPORATE OVERVIEW
gROSS AdvANCES – SEgMENT-WISE
WELL-dIvERSIFIEd depoSit miX
(₹ in Crores)
50
23
167
176
Region-wise
549
1,524
980
225
Group Loans
Micro Individual Loans Agri & Allied Loans MSE
Affordable Housing FIG
Others
(37% of total deposits) on a y-o-y basis.
eXpeRienced BoaRd With StRonG GoveRnance cULtURe
Our Board consists of Directors with a diverse mix of experience in various sectors, in particular, the financial services industry and technology. Our senior management team has a diversified track record in the financial services industry.
Our focus on ensuring strong corporate governance is evident from our leadership transition process that has been a Board managed process for over a period of one year. We believe that the experience of our Independent Directors, who constitute a majority of our Board, ensure transparency and accountability in our operations; while the acumen and foresight of our business and functional group heads enhance the quality of our management
with their specific and extensive industry experience.
East
15%
West
20%
North
36%
South
29%
830
591
1,446
889
8,441
9,311
Branch classification-wise
Mar-19
Mar-20
FoRtiFied oUR aSSet FRanchiSe With diveRSiFication FocUS
Metropolitan
48%
Urban
38%
Semi-Urban
13%
Rural
1%
Individual
48%
Banks
35%
Corporate
9%
Govt.
4%
TASC
4%
Our well-entrenched distribution network and long-standing relationships with our customers, allow us to offer them differentiated and customised asset products that include micro loans, agriculture
and allied loans, MSE loans, financial institutions group loans, personal loans, housing finance and vehicle finance.
StRenGthened LiaBiLitY FRanchiSe
We are strengthening our liability franchise with focus on growing
our retail deposit base to provide
us with a stable, low-cost source
of funding. With simple, flexible products, which are accessible through assisted and self-serviced channels, we have positioned ourselves as a reliable alternative to informal players. During FY 2019-20, our CASA deposits grew by 86% on
a y-o-y basis with a CASA ratio of 14%. Concurrently, we ramped up retail deposits of ₹4,724 Crores (44% of total deposits) vs ₹2,736 Crores
Segment-wise
17