1. Training Issues: Training needs Assessments, new training approaches as well as incentivising staff for developing SMEs finance business line Presented by Group 4

2. HR/team building issues Change in mind set SME being a specialized area requires a dedicated team The team should focus on real issues through market interactions

3. Needs Assessments The team to identify the gaps with market interaction –Operational –Conceptual –HR related –Product related This will result in identifying the need for focused/targeted training and its prioritization

4. New Training Approaches Theoretical and practical Result oriented People skill Using class room, on job training Case study methods, Role playing, Inter active Computer based training modules, success stories, distance learning & field visits

5. Incentivising Monetary and non-monetary incentives Assessment/evaluation should be fair, transparent that could be translated into performance based awards/ rewards. Incentives should influence performance behaviour Be in line with best market practices

6. Approach to incentive scheme Define and discuss clear strategic goals Define and discuss objectives Decide and communicate quantum of rewards to be given to different staff levels t Select mechanism of incentive scheme Implement and monitor the scheme