Financial Inclusion

The bank adopted "Reaching the Unreached" as its core mission and the punchline in its branding.

The bank's target customer group come from small towns and villages in the operational districts and have very "small" means to support their economic activity.

The Bank accepts small deposits, grants small loans and all this is done at the door step of the customer, saving him/her the precious working time from travelling to the bank. Over the years, the bank has added financing the micro enterprises to its portfolio, slowly moving up in the value chain both size wise and tenor wise. It remains fully committed to its core objective to serve the under-served people in one of the most under-banked regions of the country.

Financial Inclusion so far

Financial Inclusion by KBS Bank
Sr. No. Particulars Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17
1 Total No. of Branches 14 14 14 14 14 19 20 24
2 Rural Branches 2 2 2 2 2 3 3 2
3 Branches in underbanked Districts 14 14 14 14 14 16 16 16
4 BC outlets (hub & spoke model) 59 59 59 59 41 40 40 35
5 Villages covered 1,687 1,727 1,731 1,751 1,775 1,798 1,816 1,816
6 Banking outlets in villages with population > 2000 Branches 14 14 14 14 14 19 20 24
7 Bcs 59 59 59 59 41 40 40 35
8 Total 73 73 73 73 55 59 60 59
9 Banking outlets in villages with population > 2000 Branches -- -- -- -- -- -- --
10 BCS 3 3 3 3 4 4 4 0
11 Total 3 3 3 3 4 4 4 0
12 Total Banking Outlets in all villages 73 73 73 73 55 59 60 59
13 BC outlets in Urban Locations -- -- -- -- 2 2 2 2
14 BSB Acts through Branches 6,149 6,433 12,750 8,688 9,501 13,014 14,123 14,965
15 BSB Acts through BCS 26,575 37,046 43,562 47,236 47,186 41,824 40,872 34,291
16 BSB Acts through (Bank as a whole) 32,724 43,479 56,321 55,924 56,687 54,838 54,995 49,256
17 Customer base in branches 89,645 1,12,800 1,16,450 1,28,337 1,34,887 1,58,088 1,48,433 1,57,906
18 Customer base in BC outlets 42,186 50,752 66,083 62,963 67,989 65,751 66,615 69,908
19 Total Customer Base (Bank as a whole) 1,31,831 1,63,552 1,82,533 1,91,300 2,02,876 2,23,839 2,15,048 2,27,814