Annexure – 3

Scoring Matrix – Dec’19 onwards - Branches

I. Performance Marks

Sl.
Parameter Marks Calculation of Percentage Achievement
No
1. Aggregate Deposit 6 Actual increment/Targeted increment

2. Aggregate CASA 6 Actual increment/Targeted increment

Actual/Target,@<=90% Ach - ‘0’ marks,

(>90%-92%) -1 marks,(>92%-94%) -2 marks,
3. Average CASA Deposits 8 (>94-96%) -3 Marks,(>96%-97%) -4 marks,
(>97-98%) -5 Marks,(>98%-99%) -6 marks,
(>99-<100%) -7 Marks, >=100% - 8 marks

4. Retail Term Deposits 3 Actual increment/Targeted increment

5. Aggregate Advances 6 Actual increment/Targeted increment

Actual/Target,@<=90% Ach - ‘0’ marks,

(>90%-92%) -1 marks,(>92%-94%) -2 marks,
6. Average Advances 8 (>94-96%) -3 Marks,(>96%-97%) -4 marks,
(>97-98%) -5 Marks,(>98%-99%) -6 marks,
(>99-<100%) -7 Marks, >=100% - 8 marks

7. Agriculture Credit 6 Actual increment/Targeted increment

8. MSME Credit 6 Actual increment/Targeted increment
9. Retail Lending 6 Actual increment/Targeted increment
10. NPA 12 Actual Reduction/Targeted Reduction
11. Cash Recovery 5 Actual/Target

12. Profitability 10
i) Fee Income 5 Actual/Target
ii) Other Operating Expenses 5 Actual/Target (if Not Achieved “0” Marks)
13. Technology Product 13
i. Credit cards 1 Actual/Target
ii. Debit Cards 2 Actual/Target
iii. New Internet Banking 2
Customers added Actual/Target
iv. New Mobile Banking 2
Customers added Actual/Target
v. Merchant on-boarding (Rural 1
& North Eastern Area) Actual/Target
vi. Activation of Merchants 1 Actual/Target
vii. Digital Payment Transactions 4 Actual/Target

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 Sl.
Parameter Marks Calculation of Percentage Achievement
No
14. Associate Products 5

v. Life Insurance 2 Actual/Target

vi. Health Insurance 1 Actual/Target
vii. General Insurance 1 Actual/Target
viii. Mutual Fund 1 Actual/Target

TOTAL MARKS 100

II. Negative Marks

Sl. Suggested
Parameter
No Negative Marks
1 Risk rating of the branch - High 1
th
CASA Deposit –Not maintaining quarter end level as at 7 of
2 2
subsequent month
Agg. Advances –Not maintaining quarter end level as at 7th of
3 1
subsequent month
Carried over observations pending beyond 60 days in
4 1
RBIA/Concurrent Audit

III. Bonus Marks

Sl. Suggested
Parameter
No Bonus Marks
1 No fraud reported during the quarter 2

2 Both Average CASA and NPA reduction targets are achieved 2

Recovery in D4/loss Assets & Bad-debts written off target
3 2
Achieved
Government Initiatives on SSS target achieved (such as
4 2
APY,PMSBY,PMJJBY)
No. of Fresh Credit Sanctions – Retail,Agri,MSME (Excl. VSL)
5 4
target achieved

Net Marks = Performance Marks - Negative marks + Bonus Marks

a) For branches not having Agriculture Credit target, marks allocated under
Agriculture Credit will be added to Aggregate Advances.
b) For Rural branches, Agriculture Credit parameter will be having 12 marks and MSME
Credit 4 marks and Retail Lending 2 marks
c) Full marks under NPA & Cash recovery if branch maintains ‘NIL’ NPA position.
d) For branches not having Merchant on-boarding (Rural & North Eastern Area) target,
marks allocated under this will be added to Digital Payment Transactions.

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