Branistorming Session for the development of bussiness.pptx

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1. Brainstorming Session 24 & 25 July 2023 1

2. Introduction In order to improve the performance of the Company as a whole, HO have invited suggestions from all staff members. Various teams from HO and branches have contributed their suggestions. The suggestions received from the staff members are discussed in the presentation. 2

3. Marketing In order to improve the visibility of Company and it’s products, we may increase participation on social media, viz. LinkedIn, Twitter, Threads, You tube etc. Clients may be touched through sms / mail personal meeting on their special occasions (birthdays, anniversary, annual day etc.) Our website www.sbiglobal.in be revamped and be made vibrant. Our products may be advertised through print and audio -visual media. Marketing teams be imparted refreshing trainings on regular intervals. Tie up with industry bodies be enhanced, and regular participation in their seminars / trade events be ensured. A budget for sponsorship and advertisements be considered. Number of marketing offices may be increased in potential markets. 3

4. Marketing Application form may be simplified API integration to avoid manual verification of KYC etc be done. Attempt be made to download maximum information through API, thereby minimising client response time. The items of pricing (Interest rate, factoring charges, processing fees, field survey fees, import factor charges) may be rationalised and minimised (if possible, one single price inclusive all be quoted). This would reduce multiple negotiation points. Marketing teams be empowered to commit client on TAT and pricing. A certain part of processing fees may be collected upfront, say 25 % of applicable fees. 4

5. Field Survey Format of field survey report may be simplified. Statutory Dues Declaration may be provided by client’s Statutory Auditor Customer’s payment pattern towards it’s suppliers is also verified in sales ledger. This may be done away with. Focus to be on Sales Ledger Analysis. Going forward, with integration with GST, conduct of sales ledger analysis may be done away with. Waiver from obtention of trial balance by field survey auditor. 5

6. BD Proposal Bank Opinion Report – Where ever the CRIF report is satisfactory and mentions as low risk, CIR may be waived off. We may send the letter to the Bank for issuance of CIR with a rider that “if no report is received within a specified period say 15 days, we will consider the account as standard” and proceed the proposal further. Online utility for preparing BD proposals be rolled (already in process). 6

7. Credit Strength of credit team needs an improvement to improve TAT Before putting up proposal to committee credit official may interact with Client Queries raised in multiple sets be avoided. Sanction letters be issued expeditiously, preferably on T+1 of sanction. Processes of loading of limits takes much time of credit analysts. This task can be allocated to back office team. 7

8. Legal Documentation Legal Documentation to be prepared by legal team and credit team using data of LOS and print out to be taken out by branch for further execution. 15 days time may be approved for creation of charge with ROC and disbursement should not be held up. Net worth Statements of Guarantors along with Affidavit and proof of assets. Waiver of proof of assets. Preservation of documents – documents executed at placed with lower stamp duty, when, received at Mumbai HO, may attract higher stamp duty. This issue needs to be addressed to avoid non-compliances in respect of stamp duty evasion. 8

9. Client Service Waiver for sending intimation letter to debtors for factored invoices and balance confirmation in case to case basis. Digitally Signed invoices / documents to be accepted on online portal or through email for funding. Waiver for hard copy of Documents uploaded in our Factor-in system for factoring. In case of service industries, debtor’s confirmation with words like “approved, accepted, good for payment, authorised, ok, confirmed” be considered their acceptance of invoice. 9

10. Other Issues Waiver of submission of Drawing Power Statement - We may forward monthly statement of factored invoices to the client’s working capital banker for them to exclude the debtors from their DP calculations. Trade Credit Insurance – Concession in pricing to be given to clients who has taken trade credit insurance for DF facility and policy is assigned to us. We may provide non-recourse facility if the insurance policy is assigned to SBIGFL. Locking of the accounts for various reasons be done for not before a week and a mail alert be triggered to branch on locking. 10

11. New Products Suggestions Export Factoring Facility against insurance from ECGC or other IRDA approved insurer may be considered. MSME E Loan Facility - DF facility ( upto Rs. 2.00 Cr.) may be considerd through our website / online portal. The client would input his data (KYC and financials) which could be pulled from GST, PAN, CRIF, Aadhar Portals. If the data is aligned with our predefined parameters and pre approved rated debtors an instant sanction letter can be issued online Anchor based Factoring Facility - We may provide Anchor based factoring solutions under which we can get a agreement signed from the rated Anchor regarding factoring services and provide DF facility to the suppliers. 11

12. New Products Suggestions Reverse Factoring Facility – To rated clients (BBB+ and better) (a) 150% exposure against BG (b) 30% of facility (without security) to DF and EF clients having satisfactory conduct with us (c) Sanction against SARFAESI enabled collateral securities (e.g. hypothecation of machinery / mortgage of SARFAESI compliant immovable properties). Long term loans (say upto one years) be considered to existing clients having good track records. (non core) Higher limits (say upto Rs 35 cr ) be considered for non-corporate clients. 12

13. Campaign for re-drafting Vision, Mission and Value Statements A campaign to revamp our Company’s Vision, Mission and Value Statements to make them more extant, relevant and in alignment with the current aspiration of the Company with which the employees can identify themselves, has been launched. We have formed 20 teams, each team shall submit their idea to [email protected] by 31st July, 2023. The Team whose statements will be selected rewarded as follows: Winning Team - Rs.7,500/- per team member First Runner Up Team - Rs.5,000/- per team member Second Runner Up Team - Rs.2,500/- per team member 13

14. Purpose of revamped Vision, Mission and Value Statements MAKING THE ELEPHANT TO RUN ALIGNMENT OF EMPLOYEE GOALS WITH COMPANY GOALS INCULCATE WINNING HABIT MY COMPANY…. MY ROLE..MY INITIATIVE 14

15. Branch wise FIU 15 REGION FIU POSITION AS OF 31 March 2023 FIU POSITION AS OF 19 July 2023 Growth BANGALORE 50.99 42.90 -8.09 CHENNAI 214.68 180.01 -34.67 COIMBATORE 1.08 0.66 -0.42 HYDERABAD 59.23 50.60 -8.63 JAIPUR 24.64 45.54 20.90 KOLKOTA 100.80 173.75 72.95 LUDHIANA 35.46 31.57 -3.89 MUMBAI-HO 158.41 150.65 -7.76 NEW DELHI- 139.76 152.60 12.84 PUNE 25.75 23.37 -2.38 TReDS 465.60 452.82 -12.78 TOTAL 1,276.40 1,304.47 28.07

16. 16 SBI GLOBAL FACTORS LIMITED -GROSS FIU POSITION REGIONWISE REPORT AS OF 19-Jul-23 (in FIU terms) Changes in FIU as of 19-Jul-23   FIU POSITION AS OF 31 March 2022 FIU POSITION AS OF 31 March 2023 FIU POSITION AS OF 30 June 2023 FIU POSITION AS OF 19 July 2023 Changes as compared to last month end Change (as compared to 31 Mar 2022) Change (as compared to 31 Mar 2023) REGION AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR BANGALORE               Domestic Factoring 58.22 46.42 43.28 41.19 -2.10 -17.04 -5.23 LC Domestic 3.50 0.45 0.49 0.49 0.00 -3.01 0.04 Reverse Factoring 2.36 4.13 1.90 1.22 -0.68 -1.14 -2.90 Export Factoring - - 0.00 0.00 0.00 0.00 0.00 Import Factoring - - 0.00 0.00 0.00 0.00 0.00 LC Export - - 0.00 0.00 0.00 0.00 0.00 TOTAL 64.09 50.99 45.68 42.90 -2.78 -21.19 -8.09                 CHENNAI - - 0.00 0.00       Domestic Factoring 21.21 12.04 8.75 10.52 1.76 -10.69 -1.53 LC Domestic 12.63 1.55 4.89 4.84 -0.04 -7.78 3.29 Reverse Factoring - 0.70 6.44 7.32 0.88 7.32 6.62 Export Factoring - 0.48 0.00 -0.00 -0.00 -0.00 -0.48 Gold Loan 24.59 199.90 191 157.34 -33.95 132.75 -42.56 LC Export - - 0.00 0.00 0.00 0.00 0.00 TOTAL 58.43 214.68 211.37 180.02 -31.36 121.59 -34.66

17. 17 REPORT AS OF 19-Jul-23 (in FIU terms) Changes in FIU as of 19-Jul-23   FIU POSITION AS OF 31 March 2022 FIU POSITION AS OF 31 March 2023 FIU POSITION AS OF 30 June 2023 FIU POSITION AS OF 19 July 2023 Changes as compared to last month end Change (as compared to 31 Mar 2022) Change (as compared to 31 Mar 2023) REGION AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR COIMBATORE - - 0.00 0.00       Domestic Factoring 2.12 0.26 0.10 -0.00 -0.10 -2.12 -0.26 LC Domestic (0.00) - 0.00 0.00 0.00 0.00 0.00 Reverse Factoring - - 0.00 0.00 0.00 0.00 0.00 Export Factoring 0.51 0.82 0.67 0.66 -0.01 0.15 -0.15 Import Factoring - - 0.00 0.00 0.00 0.00 0.00 LC Export - - 0.00 0.00 0.00 0.00 0.00 TOTAL 2.63 1.08 0.76 0.66 -0.10 -1.97 -0.42                 HYDERABAD - - 0.00 0.00       Domestic Factoring 21.88 55.40 39.57 41.89 2.33 20.01 -13.50 LC Domestic 1.36 2.63 3.28 5.98 2.71 4.62 3.35 Reverse Factoring - - 0.00 0.00 0.00 0.00 0.00 Export Factoring 5.66 1.20 1.64 2.72 1.08 -2.94 1.52 Import Factoring - - 0.00 0.00 0.00 0.00 0.00 LC Export - - 0.00 0.00 0.00 0.00 0.00 TOTAL 28.90 59.23 44.48 50.60 6.12 21.69 -8.63

18. 18 REPORT AS OF 19-Jul-23 (in FIU terms) Changes in FIU as of 19-Jul-23   FIU POSITION AS OF 31 March 2022 FIU POSITION AS OF 31 March 2023 FIU POSITION AS OF 30 June 2023 FIU POSITION AS OF 19 July 2023 Changes as compared to last month end Change (as compared to 31 Mar 2022) Change (as compared to 31 Mar 2023) REGION AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR JAIPUR - - 0.00 0.00       Domestic Factoring 7.57 5.11 6.25 6.26 0.02 -1.30 1.15 LC Domestic 10.40 (0.00) 19.29 19.29 0.00 8.89 19.29 Reverse Factoring 23.17 16.83 15.76 15.74 -0.03 -7.44 -1.09 Export Factoring - 2.71 6.42 4.25 -2.17 4.25 1.55 Import Factoring - - 0.00 0.00 0.00 0.00 0.00 LC Export - - 0.00 0.00 0.00 0.00 0.00 TOTAL 41.13 24.64 47.72 45.54 -2.18 4.41 20.90                 KOLKOTA - - 0.00 0.00       Domestic Factoring 73.74 72.01 64.48 54.30 -10.18 -19.44 -17.72 LC Domestic 9.42 24.33 111.49 114.53 3.04 105.11 90.21 Reverse Factoring 25.50 4.46 3.89 4.92 1.04 -20.58 0.46 Export Factoring 1.59 (0.00) -0.00 -0.00 0.00 -1.59 0.00 Import Factoring - - 0.00 0.00 0.00 0.00 0.00 LC Export - - 0.00 0.00 0.00 0.00 0.00 TOTAL 110.25 100.80 179.86 173.75 -6.10 63.50 72.95

19. 19 REPORT AS OF 19-Jul-23 (in FIU terms) Changes in FIU as of 19-Jul-23   FIU POSITION AS OF 31 March 2022 FIU POSITION AS OF 31 March 2023 FIU POSITION AS OF 30 June 2023 FIU POSITION AS OF 19 July 2023 Changes as compared to last month end Change (as compared to 31 Mar 2022) Change (as compared to 31 Mar 2023) REGION AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR LUDHIANA - - 0.00 0.00       Domestic Factoring 6.22 1.24 1.32 1.58 0.25 -4.64 0.34 LC Domestic 33.44 18.08 12.36 12.49 0.13 -20.94 -5.59 Reverse Factoring - - 0.00 0.00 0.00 0.00 0.00 Export Factoring 6.00 16.14 14.88 17.50 2.62 11.50 1.36 Import Factoring - - 0.00 0.00 0.00 0.00 0.00 LC Export - - 0.00 0.00 0.00 0.00 0.00 TOTAL 45.66 35.46 28.56 31.57 3.01 -14.09 -3.89                 MUMBAI-HO - - 0.00 0.00       Domestic Factoring 142.81 135.29 132.81 129.23 -3.59 -13.58 -6.06 LC Domestic 0.73 1.99 -0.00 0.00 0.00 -0.73 -1.99 Reverse Factoring 4.66 4.35 0.00 0.00 0.00 -4.66 -4.35 Export Factoring 18.02 16.79 19.79 21.42 1.63 3.40 4.63 Import Factoring - - 0.00 0.00 0.00 0.00 0.00 LC Export - - 0.00 0.00 0.00 0.00 0.00 TOTAL 166.22 158.41 152.61 150.65 -1.96 -15.57 -7.77

20. 20   FIU POSITION AS OF 31 March 2022 FIU POSITION AS OF 31 March 2023 FIU POSITION AS OF 30 June 2023 FIU POSITION AS OF 19 July 2023 Changes as compared to last month end Change (as compared to 31 Mar 2022) Change (as compared to 31 Mar 2023) REGION AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR NEW DELHI-RO - - 0.00 0.00       Domestic Factoring 71.86 92.68 102.83 97.59 -5.24 25.73 4.91 LC Domestic 11.13 4.73 20.64 22.15 1.51 11.02 17.42 Reverse Factoring 23.36 25.09 25.12 24.93 -0.20 1.56 -0.16 Export Factoring 19.82 17.26 10.36 7.93 -2.43 -11.89 -9.33 Import Factoring - - 0.00 0.00 0.00 0.00 0.00 LC Export - - 0.00 0.00 0.00 0.00 0.00 TOTAL 126.17 139.76 158.96 152.60 -6.36 26.43 12.84                 PUNE - - 0.00 0.00       Domestic Factoring 31.25 10.12 14.83 15.78 0.94 -15.48 5.65 LC Domestic 6.77 7.12 6.72 7.54 0.83 0.77 0.43 Reverse Factoring 7.38 6.09 0.00 0.00 0.00 -7.38 -6.09 Export Factoring (1.90) 2.42 0.63 0.05 -0.58 1.95 -2.38 Import Factoring - - 0.00 0.00 0.00 0.00 0.00 LC Export - - 0.00 0.00 0.00 0.00 0.00 TOTAL 43.51 25.75 22.18 23.37 1.19 -20.14 -2.39

21. 21 SBI GLOBAL FACTORS LIMITED -GROSS FIU POSITION REGIONWISE REPORT AS OF 19-Jul-23 (in FIU terms) Changes in FIU as of 19-Jul-23   FIU POSITION AS OF 31 March 2022 FIU POSITION AS OF 31 March 2023 FIU POSITION AS OF 30 June 2023 FIU POSITION AS OF 19 July 2023 Changes as compared to last month end Change (as compared to 31 Mar 2022) Change (as compared to 31 Mar 2023) REGION AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR AMOUNT IN INR OVERALL PRODUCTWISE PERFORMANCE - - 0.00 0.00       Domestic Factoring 436.89 430.57 414.22 398.33 -15.89 -38.56 -32.24 LC Domestic 89.39 60.88 179.16 187.34 8.17 97.95 126.45 Reverse Factoring 607.01 527.23 477.89 506.95 29.06 -100.06 -20.29 Export Factoring 49.70 57.82 54.39 54.54 0.15 4.84 -3.28 Gold Loan 24.59 199.90 191.29 157.34 -33.95 132.75 -42.56 LC Export 0.00 0.00 0.00 0.00 0.00 0.00 0.00 TOTAL (FIU IN INR) 1,207.57 1,276.41 1,316.95 1,304.49 -12.46 96.92 28.08 RF (Normal) - - - - RF (Backed by BG) 86.44 61.63 53.12 54.12 RF (M1FAC) 151.94 156.73 126.09 137.63 RF (RXIL Factoring) 104.80 126.75 116.50 111.32 RF (AXIS Factoring) 263.83 182.12 182.18 203.87 - - - - Note : Change highlighted in Red Colour indicates the negative Growth

22. 22 THANK YOU