With reference to India.

SSB established two sets of goals: 1)corporate--to grow by $30MM in deposits in three years, establishing a clear market share leadership position, and to maintain a 1.5 R.O.A. during the planning period; 2)marketing--to provide services meeting the three basic needs of their customers, i.e., transaction, liquidity, and investment, to increase service charge revenue to 9% of total revenue, to expand banking facilities, and to design advertising to create a desired image and awareness level. Marketing mix strategies include the development of a combination term insurance and "investment account," a senior citizens Savers Club, the replacement of waived accounts with a BankClub program, and the introduction of the personal banker concept.

This book is suitable for any banker/lender that wants to increase the volume of government-guaranteed loans. The surprising truths about a little-known guaranteed lending program that can strengthen your community and your bank's bottom line. This book is not a solution for every bank, but it is a way for some banks to do a few larger deals per year, have less risk, and substantially increase non-interest income or loan yield without a major increase to overhead. This book will help completely change the overall perception of guaranteed lending. Optimize existing bank resources, introduce increased lending opportunities, provide a unique marketing strategy to give the bank a competitive edge.