Banking Strategy:

• Diversify portfolio both the retail & wholesale markets.

• Ensure diversification by sector, size, economic purpose & geographical location wise investment & expansion based retail & SME / Women entrepreneur financing.

• Focus on customers by providing innovative products and service.

   

  Management Strategy:

   

• Cultivate a congenial working environment.

• Manage & operate the bank in the most effective manner ensuring corporate governance.

   

  STRATEGY FOR REACHING UNBANKED AREAS:

   

•   Meeting investment needs of small traders, hawkers, workshop  

          owner, educated but unemployed women etc in the urban areas.

• Raising savings from the low earning rural people while extending effective investment to the rural areas;

• Providing banking access to the people of the tribal and coastal areas.

• Innovating appropriate saving instruments and investment packages for fishermen, cattle raisers, producers of milk and milk products, weavers and so on.

• Funding for setting up of diagnostic centers and clinics in the rural areas and encouraging new entrants in construction, repair and maintenance;