6/11/2017 BankofBarodaplansratingbasedlendingTheEconomicTimes

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"Wehaveinternallyswitchedtoscoring Salaried Personal Loan

SPOTLIGHT basedpricingbasedontheCIBILscore,"
PSJayakumar,MD,BankofBaroda,told
Aadhaar&PANCard Slideshows
ET."Withthis,wecanidentifytheright
kindofborrower,ourduediligence
becomeseasier,andtheprobabilityofa
Salary > 30K. Interest rate starting from
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defaultwillbeminimal."
BankofB 1.10(0.63%)

ObjectiveofAadhaaristo
include,notexclude:UIDAI
Inthelastfourmonths,Aadhaar,the12
digituniqueidentificationnumber,has
beenmademandatoryforaround100
servicesandwelfareschemes.
AadhaarmandatoryforfilingITreturns
fromJuly1,saysCBDT
10.52lakhbogusPANcardswillharm
economy:SupremeCourt
Historically,Indianbankscharge
GenerateEnquiriesforyourBusinessbyListing
corporatecustomersbasedontheir onEconomictimes.com
creditrating,buthaven'textendedthis
ListYourBusiness FindServiceNearYou
policytoretailborrowers.Customerswith
agoodloanrepaymenttrackrecordandstrongfinancialsmayendupavailingloans
ThisSouthIndiantrainridewill
whichareatleast5075basispointscheaperthanacustomerwithabadcreditscore.
costyouRs17.3lakh
BengaluruIRCTCannouncedthelaunchof
SouthernJewels,anewtourcircuitof
Themoveisexpectedtoimprovethequalityofbank'sretailportfolioastheywillnow
Maharajas'Express.Theluxurytourwill
disburseloansbasedonthecustomer'screditprofile.Itwillalsoprovideanopportunity
commencefromTrivandrumonJuly1&
tothecustomertomaintainaconsistentcreditbehaviourandincreasehiscreditscore
culminateatMumbaionJuly8.
togetthebenefitoflowerrates.
MeetthreePakistanimenwhohave
fathered96kids
Here'swhatyouprobablydon'tknow
Bankshaveusedcreditinformationcompaniestoreduceriskintheirretailloansbut
aboutInfosys
failedtopassontheadvantagetocustomers.

Betweenfiscal2011and2014,whilethetotalgrossnonperformingassetsinthe
corporatesectorgrewby300basispoints,nonperformingloansintheretailsegment
fellbyover170basispoints,indicatingthattheuseofinformationbureauswereoneof
thekeydriversofretailnonperformingassets.

CreditinformationbureaussuchasCIBILingeneralassignratingbetween300and

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6/11/2017 BankofBarodaplansratingbasedlendingTheEconomicTimes

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IITJEEAdvancedresultsdeclared,hereshowyou
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cancheckyourrank
ratingisassignedtobluechipcustomers.
Notebanhasandmaycontinuetoresultina
slowdown:SBI
"Itwillremovesubjectivityindecisionmakingbecauseitisafarmoreobjective
UttarPradesh,HRDMinistrypreparereform parameter,"saidJayakumar."Theadjustedpricingthatthecustomerpaysismoreor
blueprintforschools
lessconstantbecauselowerscoreshavehigherriskandhigherscoreshavelower
More risk."Homeloanscontributedtonearly9%ofBankofBaroda'stotaladvancesatRs
24,975crore.
NottobeMissed
Otherretailloans,whichincludepersonalloans,contributed7.64%tothetotalbookat
ThisRollsRoycehasbeenbanned
frombeingdrivenonDelhiroads Rs21,463crore.

Comments(5) AddComments
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