Managing for Profitability - Case Studies from DEPROSC Development Bank (DD Bank) in Nepal and Banco Caja Social (BCSC) in Columbia

Publication Date: 2006
Published by: Consultative Group to Assist the Poor (CGAP)
Document Type: Case Study (PDF)

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Institutional efforts in managing operations profitably in challenging situations

This publication focuses on the steps taken by two institutions – DEOPROSC Development Bank (DD Bank), Nepal and Banco Caja Social BCSC, Colombia – to remain profitable in challenging situations.

The study finds that DD Bank has managed costs by integrating its financial services, training staff in savings services and providing incentives to deliver them and standardizing its operating procedures and savings products. As a result, DD Bank has lowered its costs for deposits mobilization and increased the number of clients per staff member. Banco Social BCSC has created low-cost savings products by encouraging clients to use less-expensive delivery channels and by designing products that limit the number of transactions and reward consistent savers.