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05 - Stages of Product Offering to SENP

Balance Transfer
SENP Customer
Yes

Cash Profit Method RTR based program
• Excellent Net Profit • Smaller Loan Amount
• Depreciation • Regular repayment
• Salary/Interest to Director/Partner of loan
• Interest paid to the close relatives
• Interest paid on Term Loans No
• Other Income

Gross Profit Method

• Business with low Net Profit &
high expenses other than depreciation

Industry Margin
• Large Gross Turnover
• High Obligations
• Depressed G.P & N.P due to expenses

Surrogates
Banking based Low LTV LIP
Program

Large banking Small loan Based on
Transaction requirement assessment

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