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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)),
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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$$li%ations3
RBL Bank to raise about Rs !! %r from +6( in 74 2814
Ratnakar Banka%&uired Royal Bank of %otland:s RB< %ommer%ial and home loan $ortfolio along with
its %redit %ard business in +ndia for an undis%losed sum"
K'1 Tann4 In*cato" 5
' htt//www.rb"bank.+om/bout0s.as1
% htt//www.rb"bank.+om/dfs/fi/nnua"-Reort-%&'%-'2-3eb.df
2 htt//www.rb"bank.+om/!ediaenter.as14usage%-tab
5 htt//arti+"es.e+onomi+times.indiatimes.+om/%&'5--&6/news/567'86&59'9rb"-bank-+aita"-infusion-asia-
+aita"
# htt//arti+"es.e+onomi+times.indiatimes.+om/%&'2-&:-'&/news/5'%5'#659'9rbs-ratnakar-bank-ri$ate-
banking-business
8 htt//www.rb"bank.+om/dfs/fi/nnua"-Reort-%&'%-'2-3eb.df
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http://economictimes.indiatimes.com/topic/Ratnakar%20Bankhttp://economictimes.indiatimes.com/topic/Ratnakar%20Bankhttp://economictimes.indiatimes.com/topic/Ratnakar%20Bank8/9/2019 AccountPlan RBL
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;m"oyees ':#6 in
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4 hanta Jallury Head A istribution urinder )hawla Head A Bran%h Banking =aresh Garia )hief 2inan%ial (ffi%er 5 *ajinder Gumar Head A Human Resour%es> Foginder ingh Rana )hief ($erations (ffi%er
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;- GR9UP 6 ACC9UNT RELATI9NSHIP STRATEGY:
i" ($$ortunity a$$ing
Cl'nt
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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
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*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
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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
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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"
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*a%kling demand su$$ly mismat%h"
)redit disbursement to the $riority se%tor"
aintaining asset &uality"
+m$ro#ing risk management me%hanism"
*e%hnology ado$tion"
ii" *raining Related1
*he ty$i%al fun%tion of a bank %an be %ategorised in three broad fun%tions as shown below .
0fter knowing about this %ategorisation we %an design our offerings in a way so as to fulfil these re&uirements
of bank staff"
*he table below shows the distribution of human resour%e in different fun%tions"
'% >F Reort on B
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0s we see from this data, majority of human resour%e is busy handling o$erational a%ti#ities of the bank
followed by ales / arketing Norkfor%e" Hen%e for a training %om$any ($erations and ales / arketing
workfor%e %an ser#e as major target %ustomers"
Below table gi#es an o#er#iew about the regional distribution of Human Resour%e for Banks
0s !? of the Human Resour%e is em$loyed in etro / @rban regions of the %ountry, it gi#es us an
o$$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"
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6rofile of $eo$le em$loyed in banks
istribution of human resour%e by edu%ation le#el
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*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$$ro$riate offering or %ourse stru%ture %ould be designed for
the same"
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6ossible fo%us areas for kill Building
0%%ording to the analysis of the information a#ailable abo#e =) re%ommends below mentioned
areas to fo%us for kill Building.
iii"a$ 6layers and arket i-e
Gey 6layers in +ndian Banking +ndustry 13
'2 htt//www.i+ra.in/
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i#" (thers
Road 0head14
+ndiaCs banking se%tor has the $otential to be%ome the fifth largest banking se%tor globally by !! and
the third largest by !" *he industry has witnessed dis%ernable de#elo$ment, with de$osits growing
at a )0DR of 1" $er %ent in terms of +=R< in the $eriod 28 !I13; in 28 13 total de$osits stood at
@ 1,54"3 billion"
*oday, banks are turning their fo%us to ser#i%ing %lients" Banks in the %ountry, in%luding those in the
$ubli% se%tor, are em$hasising on enhan%ing their te%hnology infrastru%ture, in order to im$ro#e
%ustomer e'$erien%e and gain a %om$etiti#e edge" *he $o$ularity of internet and mobile banking is
higher than e#er before, with )ustomer Relationshi$ anagement )R< and data warehousing
e'$e%ted to dri#e the ne't wa#e of te%hnology in banks" +ndian banks are also $rogressi#ely ado$ting
an integrated a$$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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