LEADERSHIP IN RURAL DEVELOPMENT

 Under Financial Inclusion Plan, Indian Bank has been allotted with 1523 villages with
population above 2000 ,all the 1523 villages have been provided with banking services as
on 30thSeptember 2012 as below:
1425 villages through Smart card based Business Correspondent (BC) Model
  53 villages through Brick and mortar branches /Banking Service Centres (BSCs)
  45 villages through Mobile Branch/Van
 Pioneer in introducing Self Help Groups and Financial Inclusion Project in the country
 Best Performer Award for Micro-Finance activities in Tamil Nadu and Union Territory of
Puducherry from NABARD
 Award winner for Excellence in Agricultural Lending from Honorable Union Minister
for Finance
 Established 45 specialized exclusive Microfinance branches called "Microsate" across the
country to cater the needs of Urban poor through SHG (Self Help Group)/JLG (Joint
Liability Group) concepts
 Provision of technical assistance and project reports in Agriculture to entrepreneurs
through Agricultural Consultancy & Technical Services (ACTS)
 Harnessing ICT (Information and Communication Technology) for Rural Development
and Inclusive Banking

A PIONEER IN INTRODUCING THE LATEST TECHNOLOGY IN BANKING

 100% Core Banking Solution(CBS) Branches
 100% Business Computerization
 2172 Automated Teller Machines(ATM)
 24 x 7 Service through more than 99242 ATMs under shared network
 Internet and Tele Banking services to all Core Banking customers
 e-payment facility for Corporate customers
 Cash Management Services
 Depository Services
 Reuter Screen, Telerate, Reuter Monitors, Dealing System provided at Overseas Branch,
Chennai
 I B Gold Coin
 I B Prepaid Cards Launched (GIFT Card, International Travel Card)
 RTGS & NEFT remittance facilities now available at all CBS branches
 Strategic alliance with HDFC Standard Life Insurance Company

TWO RECENT PLANS OF LIC LINKED WITH INDIAN BANK:

 Pradhan Mantri Jan Dhan Yojana (PMJDY- Life cover with LIC)
 Pradhan Mantri Jeevan Jyothi Bima Yojana (PMJJBY)

CORPORATE AND SOCIAL RESPONSIBILITY

Indian bank have taken several community service measures such as:

 In association with Indian Overseas Bank and NABARD, established a Rural

Development Training Center in July 2005 at Karaikudi, Sivaganga District in Tamil
Nadu with the objective of educating and disseminating technical knowhow on
agriculture/non-farm sector activities to farmers, SHGs and rural artisans.
 Indian bank have organized over 325 blood donation camps since 1980. We have also
been the mobilisers for the highest number of emergency blood donors among all
institutions in the state of TamilNadu. We have adopted thalassaemic children who
require blood at frequent intervals. We have also donated Rs. 15 million to Adayar
Cancer Hospital.
 Bank have initiated activities such as health camp, preseason campaign, eye camp, bird
flu awareness campaign and animal health camp, which are being conducted in villages
by branches in association with various state governments, insurance companies and
NGOs, among others.
 Bank have been awarding cash incentives to 10 plus 2 rank holders in all the 13 lead
districts in Tamil Nadu/Andhra Pradesh and in the Union Territory of Puducherry.

RECENT RECOGNITIONS AND AWARDS

 Indian Bank has attained the first rank and has been conferred with the National Award
for Excellence in Lending to Micro Enterprises for FY 2012. Shri T M Bhasin, Chairman
and Managing Director, has received the coveted National award from the august hands
 of Hon’ble President of India, Shri Pranab Mukherjee on 03rd April 2013 at Vigyan
Bhawan,
New Delhi.
 INDIAN BANK received the "Master Card Innovation Award - PREPAID CARD
PROGRAM" for the innovative prepaid card sales targeting Corporate entities on
16.03.2013 from M/s
Master Card International Indian Bank has been declared as Runner-up in the NFS
ATM
Operational Excellence Award 2012 under Public Sector Bank category.

 Our Chairman and Managing Director Sri T.M.Bhasin receiving Skoch Digital
Inclusion
Award 2012 in a function held at New Delhi on 18.09.2012.

 Our Chairman and Managing Director receiving the Financial Inclusion Award of
the year
2012 from Shri Montek Singh Ahluwalia, Hon’ble Deputy Chairman, Planning
Commission
In the presence of Dr C Rangarajan, Hon’ble Chairman, Economic Advisory
Council to the
Prime Minister in a function held at New Delhi on 27th March 2012.

 Our CMD Shri. T M Bhasin receiving Golden Peacock Innovative Product/Service

Award –
For the year 2011 in recognition of its contribution to promotion of Self Help
Groups (SHG) at
the World Congress on Total Quality held in Bengaluru on 21st January 2012.

 Shri T M Bhasin Chairman and Managing Director of Indian Bank receiving Financial
Express - Ernst & Young "Best Public Sector Bank Award (Runners Up) during the "FE -
BEST BANK AWARDS 2010-11" on 17.09.2011 at Mumbai, FROM HON'BLE UNION
MINISTER, FINANCE, SHRI PRANAB MUKHERJEE. (Photo:2) Shri T M Bhasin with
Union Finance Minister Shri.
 Pranab Mukherjee and Chief Minister of Maharastra Shri Prithviraj Chavan. (Photo:3)
Shri.
T M Bhasin with other award winnders.

 Shri T M Bhasin, Chairman & Managing Director, Indian Bank receives the award
for
"BEST PUBLIC SECTOR BANK UNDER THE ASSET QUALITY CATEGORY"
at the Dun and
Brad street Polaris software banking awards 2011 on August 30 2011 at Mumbai

 Government of TamilNadu has conferred the Best Performing Bank Award to

Indian Bank
For the outstanding achievement under Self Help Group (SHG).

 INDIAN BANK was declared as a Winner in BEST BANKs category and Best
Education
Loan category in the Banking Survey conducted by OUTLOOK MONEY Award
2010 on
the basis of its performance during the year 2009-10

 Indian Bank Conferred with SKOCH Financial Inclusion Award 2011

SHARE HOLDING PATERN

Diagram no 3
Bank paid Rs. 4.20 per Equity share as Dividend for the year 2014-15

Diagram no 4

Diagram no 5
 1. PRODUCTS

RETAIL BANKING

Retail banking is one of the core businesses. Retail banking strategy is to provide a
comprehensive range of personalized services to retail customers through increased
automation and improved customer service, as well as a streamlined branch network focused
on sales. Our retail banking services include:

a. Retail advances, such as mortgage, education and consumer lending;

b. Electronic banking, such as internet banking, phone banking and mobile banking;
c. Global ATM-cum-Debit card; and
d. International credit card.

LOANS
The following are principal retail loan products:

a. Housing Finance
b. Education Loan
c. Vehicle Loans
d. Personal Loans
e. Professional Loans
f. Mortgage and Improvement Loans
 g. Trade Finance
h. Loans to Educational Institutions
i. IPO and ESOP Loans
OTHER LOAN SCHEMES
CORPORATE BANKING

Products for corporate customers include term loans and advances for the creation or
improvement of assets and also working capital funding. We also offer fee-based services,
such as cash management and remittance services.

Loans and advances

Following range of loan and advance products to assist our corporate customers in meeting
their financial needs:
a. Term Loans
b. Cash Credit and Other Working Capital Facilities
c. Letters of Credit
d. Guarantees
e. Loans against Future Rent Receivables
f. Loans against Shares and Securities

Other Corporate Products and Services

a. Foreign Currency Loans
b. Export Credit
c. Import Finance
d. Exchange Houses

AGRICULTURAL AND PRIORITY SECTOR FINANCIAL SERVICES

Products aimed at agricultural customers

a. Kisan Credit Card (KCC)
b. Sugar Premium Loan
c. Golden Harvest Scheme
d. Produce Marketing Loan
 e. Financing for setting up of Agri clinics and Agri business centers
f. Farm Mechanization
g. Rural Internet Kiosk

Along with the standard corporate services described above, we offer the following
specialized products to our SME customers:
a. “My Own Shop” Loan – for customers wishing to purchase commercial space and
new or second hand shops necessary for running their business.
b. “IB-Aayushmaan” Loan – loans for the construction, renovation or upgrade of gyms
or fitness centers and the purchase of fitness equipment.
c. “IB-Shanti Niketan” Loan – loans for the extension or renovation of hostels for
working women, men or students.
d. “Annapoorna and Aroghya” Loan – loans for the establishment, expansion or
renovation of small to mid-size hotels, restaurants, bakeries and other service oriented
enterprises.
e. “IB BPO” Finance – for customers wishing to establish, renovate or upgrade BPO
centres.

Some of the other schemes offered by our Bank are as follows:

a. Vidhya Shobha Scheme
b. Gramin Mahila Sowbhagya Scheme
c. Grihalakshmi
d. Janashree Bima Yojana
e. Universal Health Care Policy for below Poverty Line Families
Diagram no 6
 Advances global
125000

120000
advances
115000

110000

105000

100000
30.06.2013 30.06.2014 30.06.2015

DEPOSITS
Deposits are broadly classified into demand deposits, savings deposits and time (or term)
deposits as follows:
a. Demand deposits, which are non-interest bearing;
b. Savings deposits, which are deposits that accrue interest at a fixed rate set by the RBI
(currently 3.5%) and upon which cheques can be drawn; and
c. Term deposits, which are deposits on which interest is paid, either on maturity or at
stipulated intervals depending upon the deposit scheme under which the money is
placed. Term deposits include:

i. Fixed deposits on which a fixed rate of interest is paid at fixed, regular

intervals;
ii. Re-investment deposits, under which the interest is compounded quarterly and
paid on maturity, along with the principal amount of the deposit; and
iii. Recurring deposits, under which a fixed amount is deposited at regular
intervals for a fixed term and the repayment of principal and interest is made at
the end of the term.
Table no 2
 Sector wise deployment of advances
Table no 3

d. Fixed Deposits
e. Facility Deposit
f. Reinvestment Plan Deposits
g. Ind Double – Centenary Certificate Scheme and Centenary Tax Saving Certificate
h. Recurring Deposit
i. Special Recurring Deposit
j. Savings Bank
k. Vikas Savings Khata
l. Current Account
m. Capital Gains Scheme 1988
n. Power Account
o. Special Deposit Scheme for Senior Citizens
p. Sweep Facility under Current Account and Savings Account
i. Premium Current Account:
ii. SB Platinum:

GLOBAL DEPOSITS
Diagram no 7

CURRENT ACCOUNT SAVINGS ACCOUNT

Diagram no8
 CASA (domestic)
CURRENT ACCOUNT SAVINGS ACCOUNT

42294
33463 36496

6223 6326 7159

30.06.2013 30.06.2014 30.06.2015

OTHER SERVICES
a. Wealth management services
Treasury operations
a. FOREIGN EXCHANGE OPERATIONS
General banking services
a. Credit and Debit Cards
b. Cash Management and Remittances
c. Collection Services
d. Depository Services
e. Government Business
f. Collection of Taxes
g. Distribution of deposit products of the Government of India
h. Ministerial Accounts
i. Payment of Pension
j. Non-Resident Indian Financial Services
k. IB Swarna Mudra Scheme
l. Merchant Banking Services
Distribution of third party products
a. Insurance
b. Mutual Funds
TOTAL BUSINESS OF THE FIRM
Business Crossed the Milestone Target of ` 3,00,000 crore
Diagram no 9
Compounded Average Growth Rate for 5 yrs. is 13.6%
SWOT ANALYSIS
STRENGTH

1. One of the leading PSBs with the Government holding of 81.51% and with a Market
Cap of Rs.9720 crore.
2. Pan India presence with 2389 branches and 2248 ATMs
3. 3 overseas branches at Singapore, Colombo and Jaffna.
4. 3 RRBs and 2 Subsidaries.
5. Servicing 3.86 crore Bank Accounts Pan India
6. The traditional banking functions would give way to a system geared to meet all the
financial needs of the customer.
7. We could see emergence of highly varied financial products, which are tailored to
meet specific needs of the customers in the retail as well as corporate segments.
8. The advent of new technologies could see the emergence of new financial players
doing financial intermediation. For example, we could see utility service providers
offering say, bill payment services or supermarkets or retailers doing basic lending
operations. The conventional definition of banking might undergo changes.

9. Retail lending will receive greater focus. Bank would compete with one another to
provide full range of financial services to this segment. Bank would use multiple
delivery channels to suit the requirements and tastes of customers. While some
 customers might value relationship banking (conventional branch banking), others
might prefer convenience banking (e-banking).

10. Structure and ownership pattern would undergo changes. There would be greater
presence of international players in the Indian financial system. Similarly, some of the
Indian banks would become global players. Government is taking steps to reduce its
holdings in Public sector banks to 33%. However the indications are that their PSB
character may still be retained.

11. Mergers and acquisitions would gather momentum as managements will strive to
meet the expectations of stakeholders. This could see the emergence of 4-5 world
class Indian Banks. As Banks seek niche areas, we could see emergence of some
national banks of global scale and a number of regional players.

12. The directed lending would be business driven. With SME sector expected to play a
greater role in the economy, Banks will give greater overall focus in this area.
Changes could be expected in the delivery channels used for lending to small
borrowers and agriculturalists and unorganized sectors (micro credit). Use of
intermediaries or franchise agents could emerge as means to reduce transaction costs.

WEAKNESS

1. Less presence in India as it has competition in urban areas as well as rural areas.
2. Limited advertising in comparison with leading banks.
3. Low number of ATM’s and branches as compared to other big bank brands.
4. One of the concerns is quality of bank lending. Most significant challenge before
banks is the maintenance of rigorous credit standards, especially in an environment of
increased competition for new and existing clients. Experience has shown us that the
worst loans are often made in the best of times

5. Human Resources Development would be another key factor defining the

characteristics of a successful banking institution. Employing and retaining skilled
 workers and specialists, re-training the existing workforce and promoting a culture of
continuous learning would be a challenge for the banking institutions.
6. In the ultimate analysis, successful institutions will be those which continue to
leverage the advancements in technology in re-engineering processes and delivery
modes and offering state-of-the-art products and services providing complete
financial solutions for different types of customers.
7.

OPPORTUNITY
1. The financial system is the lifeline of the economy. The changes in the economy get
mirrored in the performance of the financial system, more so of the banking industry.
The Committee, therefore felt, it would be desirable to look at the direction of growth
of the economy while drawing the emerging contours of the financial system. The “
India Vision 2020" prepared by the Planning Commission, Government of India, is an
important document, which is likely to guide the policy makers, in the years to come.

2. Small and Medium Enterprises (SME) sector would emerge as a major contributor to
employment generation in the country. Small Scale sector had received policy support
from the Government in the past considering the employment generation and
favourable capital-output ratio. This segment had, however, remained vulnerable in
many ways. Globalization and opening up of the economy to international
competition has added to the woes of this sector making bankers wary of supporting
the sector. It is expected that the SME sector will emerge as a vibrant sector,
contributing significantly to the GDP growth and exports.

3. India’s share in International trade has remained well below 1%. Being not an export
led economy (exports remaining below 15% of the GDP), we have remained rather
insulated from global economic shocks. This profile will undergo a change, as we
plan for 8-9% growth in GDP. Planning Commission report visualizes a more
globalised economy. Our international trade is expected to constitute 35% of the
GDP.

4. India in 2020 is of a nation bustling with energy, entrepreneurship and innovation. In

other words, we hope to see a market-driven, productive and highly competitive
 economy. To realize the above objective, we need a financial system, which is
inherently strong, functionally diverse and displays efficiency and flexibility. The
banking system is, by far, the most dominant segment of the financial sector,
accounting for as it does, over 80% of the funds flowing through the financial sector.
It should, therefore, be our endeavor to develop a more resilient, competitive and
dynamic financial system with best practices that supports and contributes positively
to the growth of the economy.

The ability of the financial system in its present structure to make available investible
resources to the potential investors in the forms and tenors that will be required by them in
the coming years, that is, as equity, long term debt and medium and short-term debt would be
critical to the achievement of plan objectives. The gap in demand and supply of resources in
different segments of the financial markets has to be met and for this, smooth flow of funds
between various types of financial