1. SAMVRIDHI (Growth with Equity) BIHAR DEVELOPMENT TRUST (start up) Srijan Microfinance Business Plan Competition Final Round Presentations, July 3 rd , 2008 Please insert your logo here

3. Areas of Operation Please insert your logo here

4. Areas of Operation Please insert your logo here

5. Areas of Operation Please insert your logo here v

7. Entrepreneur’s Profile Please insert your logo here Entrepreneur Entrepreneur NAME RAVI CHANDRA DEV KUMAR DUBEY DESIGNATION MANAGING TRUSTEE EXECUTIVE TRUSTEE QUALIFICATION BDS( MANIPAL), MBA (IRMA) BA, MBA (IRMA) LOCATION Patna Bhagalpur PAST ORGANISATIONS FOUNDATION OF ECOLOGICAL SECURITY, UDAIPUR LIFE, RAJKOT CARE INDIA, JAIPUR TATA AIG LIFE, LUCKNOW AAROHI, NAINEETAL EMPLOYEE PROVIDENT FUND ORGANISATION, MINISTRY OF LABOUR, MUMBAI DISHA, BHAGALPUR PAST EXPERIENCE Community mobilization, NGO administration, Monitoring & Evaluation, Rural Distribution channel Management, Programme Management, Training Accounts Officer, Monitoring EPF related issue of more than 100 corporate organisation SHG Bank Linkage in Bhagalpur CURRENT ROLE Networking Communication Resource Mobilization Documentation Training Strategy Formulation Monitoring day to day operations HR, MIS Local liaisoning Training Strategy Formulation

8. BIHAR DEVELOPMENT TRUST TEAM NAME Designation Qualification Location Past Organisation Past Experience Current Role Mr. Kundan Kumar Branch Manager BA, PGRD Bhagalpur AWARD, KANPUR TATA AIG LIFE , JAUNPUR Microfinance , SHG Bank linkages , Rural Sales Managing Branch Operations, Risk Assessment, Collection & Recovery Mr. Anand Kumar Credit Manager Graduate Bhagalpur ICICI BANK CREDIT CARDS, DELHI Collection & Recovery Credit Appraisal, Group verification & Loan disbursement Mr. Santosh Upadhyay Volunteer BCA Patna NA NA MIS & office administration Mr. Rajesh Sinha Volunteer MA,MBA Patna BOB CARD, JODHPUR GE MONEY, JABALPUR Managing Branch Operations, Business Development, Risk Assessment, Collection & Recovery, Promotional activities, Agency & Sales Force Management Inputs in Improving System & Processes, Mr. Diwakar Vats Volunteer MBA( IMI) Patna TEMPLE REAL ESTATE MARKETING Managing Patna Operation

9. Business Proposition

11. Products Please insert your logo here Business Loan Emergency Loan Midterm loan Interest Rate ( Flat) 18% 18% 18% Processing Fees 2% 2% 2% Minimum Amount 1000 1000 1000 Maximum Amount 8000 2000 4000 Repayment Period 52 weeks 52 weeks 52 weeks Mode of Repayment Weekly Weekly Weekly Eligibility Criteria Saving up to 4 weeks Saving up to 10 weeks Regular Repayment till 26 weeks Amount in Next Cycle Double the Loan Amount Same 50% of loan amount

16. Current Geographic Outreach Please insert your logo here District Bhagalpur Patna BLOCKS Jagdishpur Nathnagar Navgachiya Bhagalpur Urban Bikram Naubat pur Kankarbagh VILLAGE Makhna Noorpur Sadhupur Mandroza Kanpa Fatehpur Ashok Nagar Baluachak station Sabji mandi Adampur Saidabad Baliyaban Puraini Tamauni Barari Nisarpura Harpura Shaino Belgachi Jwaripur Lakh Nisarpura Desri Gourachakki Sarai Sahar Rampur Kharauni Badarpur Rainpur Guddi Pawwatoli Kumhrath Badi goddi Kajraili

17. Forecasted geographical outreach FY 2009 FY 2010 FY2011 FY 2012 District Block s District New Block s New District New District Bhagalpur Jagdishpur Bhagalpur Kahalgaon Banka Saran Akbarnagar Pirpainti Khagaria Buxar Nath Nagar Gopalpur Katihar Siwan Sultanganj Sonahaula Samastipur Munger Bhagalpur Urban Shahkund Begusarai Sheikhpura Navgachiya Patna Bihta Vaishali Lakhisarai Patna Naubatpur Masaurhi Bhojpur Madhepura Bikaram Fatuha Muzaffarpur Kishanganj Patna Urban Khagaul Purnia Araria Maner

20. Competitor Analysis Please insert your logo here Name of the Microfinance player Estimated Borrowers Estimated Portfolio in millions of Rs. Geographical Presence Growth Plans in 2009 (No of Borrowers) Constrains SKS 100,000 1000 14 districts 400,000 Local knowledge CDOT, Nalanda 1000 5 Patna & Nalanda 10000 Management bandwidth Saija Vikas, Patna 1000 5 Patna 10000 Concentration Risk Kanchan Sewashram , Muzaffarpur 6,000 15 Muzaffarpur & Sheohar 30000 Management bandwidth Nidan, Patna 10,000 60 Patna 10,000 No serious Focus by top Management NEED, Deoghar 10,000 100 Deoghar 20,000 No serious Focus by top Management CASHPORE 50,000 300 Bhojpur 50,000 Not able to expand beyond border areas

21. Competitor Analysis New Players Estimated Borrowers Estimated Portfolio in millions of Rs. Geographical Presence Growth Plans Constrains Bandhan 10,000 100 2 districts Bengali Areas of Bihar Rapid Growth Spandana Arrived NA Bhagalpur Rapid Growth SHARE Coming Soon NA NA Rapid Growth NIRMAN Bharti Coming Soon NA NA Rapid Growth

23. Financial Analysis

24. Current Operational Status Please insert your logo here INDICATORS FY 2007-2008 FY 2008-2009 as on 30 June, 2008 Total No of Groups Formed 31 190 No. of Groups in Bhagalpur 31 155 No. of Groups in Patna 0 35 Total Group members 155 950 In Bhagalpur 155 775 In Patna 0 175 Total Borrowers 90 300 In Bhagalpur 90 288 In Patna 0 12 Total Loan Disbursed 367,000 1,809,000 In Bhagalpur 367,000 17,54,000 In Patna 0 65,000 Total Loan Outstanding 307,103 15,03,530 In Bhagalpur 307,103 14,48,590 In Patna 0 54,940 PAR>30 days 0 7500 Repayment Rate 100% 98.5%

25. Growth Projection FY 09 Months Expected Cumulative No. of Groups Expected Cumulative No. of Borrowers Expected Cumulative Disbursement May 90 180 1,040,000 June 130 250 1,600,000 July 180 340 2,320,000 August 230 460 3,120,000 September 290 660 3,920,000 October 350 900 4,720,000 November 450 1400 7,800,000 December 600 2000 10,800,000 January 750 2600 13,800,000 February 900 3200 16,800,000 March 1050 3800 20,200,000

26. Growth Projections FY 2009 USD FY2010 USD FY 2011 USD Total Members 5,110 44,105 125,215 Number of Clients 3,750 29,945 73,415 Portfolio Size or Turnover 254,593 1,842,851 5,973,052 Portfolio growth rate (CAGR) 724% 324% Geographical coverage (number of States, or Districts) 1 state , 2 districts 1 state , 2 districts 1 state, 10 districts Number of Branches 2 13 36 Total Interest Income 32,485 285,651 1,084,058 Total Other Income 28,352 231,868 826,045 Expenses 61,237 457,748 1,457,752 PAT -400 59,771 452,351 Return on Assets 60,837 517,519 1,910,102 Total Shareholders Funds 69,767 209,302 697,674

27. Financial Ratios FY 2009 INR FY2010 INR FY 2011 INR Operating and administrative expenses/average gross turnover (%) 24% 25% 24% Profit after Tax / Gross Turnover (%) 0% 3% 8% Return on Assets (ROA) % -0.12% 2.06 5.935 Return on Net worth (RONW) % -0.57% 11% 24.94% Debt to Equity ratio 4.33:1 8.88:1 7.6:1 Debt Requirement (USD) 316,279 2,000,000 5,320,930 Equity Requirement (USD) 69,767 209,302 697,674

28. Proposed Transformation Stages Proposed Steps June 2008- June 2008 30,000,000 disbursement June 2008- Dec 2008 Strengthening of system & Process June 2008- June 2008 Concentration in Bhagalpur & Patna June 2008- Dec 2008 NBFC Search Dec 2008- Mar 2009 NBFC Acquisition, Cleaning of Books June 2008- June 2008 Capital Raising June 2009 Microfinance operation Transformed into NBFC July 2009 Microfinance operation under NBFC banner

30. Management and Human Resources

31. Management and Human Resources Please insert your logo here System & Process Development Stages Standard operation Manual Operational HR manual Finalized Promotion Manual Final stages Incentive System Operational Recruitment Process Finalized Software FAMIS from BASIX purchased , training going on Finance Manual Under Development CA Firm Nirmala & Associates Legal Advisory Services LEX SOLVIS Accounting Tally , double entry

32. Organisation Hierarchy Designation Role & Responsibility Staff Strength Managing Director Networking, communication, resource mobilization 1 Executive Director Monitoring day to day operations, HR, MIS, Local liaisioning, Training, Strategy Formulation 1 Branch Manager Managing Branch Operations, Business Development Promotional activities, Team Management 2 Credit Manager Risk Assessment, Collection & Recovery, 2 MIS Manager Updating data on daily basis 2 Field Officer Group formation, Loan disbursement & collection 10 Office Assistant Filing Management , Guest management 2 Accounts Officer Feeding voucher data into tally & daily trial balance 2