3 Customer Demographics

This topic describes the basic details about the SME’s business.

The Customer Demographic information can be seen by clicking Customer Demographic on the SME 360 page.

The following figure shows the various sections on this page.

Figure 3-1 Customer Demographic

Description of "Figure 3-1 Customer Demographic"

The following table describes the various sections on the Customer Demographic page.

Table 3-1 Customer Demographic Sections

Sections	Description
Demographic Details	Contains the following basic details of the business: Logo Name Address Contact details Registration details Classification Industry sector Revenue Operating income Assets Equity
Stakeholders	The key stakeholders for the business are as follows: Management team Sponsors Guarantors Suppliers Bankers Insurers
Financial Profile	Financial profile of the customer that includes: Balance sheet details Revenue Operating profit Net profit Return on investment Return on equity Return on asset
Industry Wise presence	Different industry sectors to which the SME caters.
Balance Sheet	Balance sheet details for the SME – Asset, Liability, and Owner’s Equity.
Country Wise Presence	List of countries where the business is operational.
Subsidiaries	A view of the SME’s business hierarchy including all the subsidiary companies.
Rating	Credit rating for the SME provided by external rating agencies/internal rating provided by the bank.

Basic Details

This section contains the following basic details of the SME:

• Name
• Address
• Contact information
• Industry segment
• Areas served
• Revenue
• Operating income
• Net income

Figure 3-2 Basic Details

Description of "Figure 3-2 Basic Details"

Stakeholder Information

This widget contains the details of the key stakeholders for the SME.

Figure 3-3 Stakholders

Description of "Figure 3-3 Stakholders"

The following types of stakeholders are displayed in this tile. Users can select the respective tab to view the details.

• Guarantors
• Suppliers
• Authorized Signatories

Figure 3-4 Stakeholders Expanded View

Description of "Figure 3-4 Stakeholders Expanded View"

You can click on the individual stakeholder, to view the stakeholder details in 360 view. If the stakeholder is a non-customer, the system will launch the Stakeholder Summary screen to view non-customer stakeholder details.

Figure 3-5 Stakeholder Summary

Description of "Figure 3-5 Stakeholder Summary"

Financial Profile

This widget displays the financial details like Revenue, Operating Income, and Net Income for the SME.

Figure 3-6 Financial Profile

Description of "Figure 3-6 Financial Profile"

Figure 3-7 Financial Expanded View

Description of "Figure 3-7 Financial Expanded View"

For more information on the columns in the expanded view, refer to the Column Description table.

Table 3-2 Financial Profile - Column Description

Column	Description
Financial Year	Displays the financial year for which the details are displayed.
Revenue	Displays the revenue of the SME customer in the financial year.
Operating Income	Displays the operating income of the SME customer in the financial year.
Net Income	Displays the net income of the SME customer in the financial year.

Industry Wise Presence

This widget displays the different industry sectors to which the SME caters to.

Figure 3-8 Industry Wise Preference

Description of "Figure 3-8 Industry Wise Preference"

Figure 3-9 Industry Wise Presence -Expanded View

Description of "Figure 3-9 Industry Wise Presence -Expanded View"

For more information on the columns in the expanded view, refer to the Column Description table:

Table 3-3 Industry Wise Presence - Column Description

Column	Description
Sector	Displays the industry sector in which the SME customer is present.
Group	Displays the respective business group.
Industry	Displays the industry for which the details are displayed.
Revenue	Displays the revenue of the SME customer in the respective industry.
Operating Profit	Displays the operating profit of the SME customer in the respective industry.
Revenue Period	Displays the revenue period for which the revenue and operating profit are displayed.

Balance Sheet

This widget contains information about the SME’s balance sheet.

Figure 3-10 Balance Sheet

Description of "Figure 3-10 Balance Sheet"

Country Wise Presence

This widget displays information about the countries where SMEs have offices.

Figure 3-11 Country Wise Presence

Description of "Figure 3-11 Country Wise Presence"

Figure 3-12 Country Wise Presence - Expanded View

Description of "Figure 3-12 Country Wise Presence - Expanded View"

For more information on the columns in the expanded view, refer to the Column Description table:

Table 3-4 Country Wise Presence - Column Description

Column	Description
Office Name	Displays the name of the SME office.
Address	Displays the address where the SME customer’s office is present.
City	Displays the city where the SME customer’s office is present.
Zip Code	Displays the zip code of the address.
Contact	Displays the contact number of the SME customer’s office.

Subsidiaries

This widget contains information about the SME hierarchy and the subsidiary companies.

Figure 3-13 Subsidiaries

Description of "Figure 3-13 Subsidiaries"

Rating

This widget contains the credit rating of the SME provided by external credit rating agencies or internal ratings provided by the bank.

Figure 3-14 Credit Rating

Description of "Figure 3-14 Credit Rating"

Figure 3-15 Credit Rating - Expanded View

Description of "Figure 3-15 Credit Rating - Expanded View"

For more information on the columns in the expanded view, refer to the Column Description table:

Table 3-5 Credit Ratings - Column Description

Column	Description
Agency Name	Displays the external agency name which provides the credit rating of the SME customer.
Assessment Year	Displays the year of assessment.
Rating	Displays the credit rating of the SME customer for the assessment year.