CASE STUDY

WHY WE CANNOT BE LIKE ACE BANK?

Presented by Rahul Piyush Khemka
Group members Ankit Rathore, Sravan Kumar, Jaid Dingra, Suneetha,

HOW ACE BANK PERFORMED WELL?

Robust product portfolio Improvements over global benchmarking Strategic shift from urban to semi urban-rural sector Strategic expansion Leadership position in Specific sectors

Crop loans Micro finance Personal loans Two wheeler financing Gold loans

CONTD..
More than Third of market share in Credit card business No compromise on Margins and Asset quality NPA decline over 10 quarters to 1% CASA ratio of 48% NIM 4.2% (>industry avg 2.8%) CAGR 35% from 2001 Product Centric to Customer Centric Approach

SUGGESTIONS TO PRESTIGIOUS BANK

Should aim for global benchmarking and set targets over it (long term as well as short term) Costs must be monitored closely In depth analysis in opening a new branch where there is Potential & Scope Increase investments without affecting present performance NPA- evaluated regularly and decline over

CONTD..
Identify needy and potential areas of business Performance oriented incentives Shift from Customer Service to Customer Care Provide After-sales service to customers Educate Customers through proper channels Employees to be updated of new technologies

CONTD..
Horizontal communication to be introduced in the management structure Branches have to setup a separate help desk for information related products

THANK YOU