1. Train one staff member from each branch to address Women bankers needs and sensitize the front line
2. Co ownership rights
3. Gender sensitized
4. Establish a Women entrepreneurship development unit at HNB
5. Frontline sensitization to Women banking
5.1. Hire 10 female GPUs
6. Review of products and solutions
6.1. Life milestone oriented
6.1.1. Research shows women’s priorities are children’s education, family health, networking opportunities, training
6.1.1.1. Bundled solutions to address lifestyle requirements to support these goals of a woman HNB PFS, HNBA
6.2. Loan guaranteed funds
7. Lobby for policy interventions with GOSL CBSL
7.1. Collateral registry
7.1.1. Acceptable framework of sex disaggregated data
7.1.2. Uniform reporting and disclosure standards
7.1.3. Regionally establish a Women banking desk at - 10 by end of 2018in key towns
7.1.3.1. Train 10 highly specialized Women recovery officers for 10 regions who will proactively work on improving portfolio CQ
7.2. Hire a pilot group of 5 Women agriculture officers ( break gender stereotyping in the role )
7.3. Women’s policy
7.4. Gender based budgeting
8. Overall increase of portfolio by 14% to be at 45% by 2021
8.1. Credit evaluation to shift from collateral based lending to project based lending in a Women specific manner
9. Identify a national level pain point and work a solution as a SIB
9.1. Entrepreneurship development program for migrant returnees
9.1.1. Map a entrepreneurship development plan
9.1.2. Provide non financial interventions : eg link to to relevant TVET VTA agencies
9.1.3. Vocational skills development
9.1.4. Vocational skills development
9.1.5. HNB SF and HNB MF to work as collaboration partners and operate on BOOT method
9.1.6. Pitch for a funding grant and technical partnership from an international development agency for this project
9.1.7. Pilot a study in a hot spot district with more migrant returnees without proper reintegration opportunity in to the economy
10. Business focus :empowering people, financing merely a tool
11. Bundled capacity building programme with HNB HNBG HNBA IFC ADB GIZ ICES SLASSCOM
11.1. Digital literacy
11.2. Use of smart phone, internet email, mobile pos for payments and collections
11.3. Social media marketing
11.4. Digital marketing via Viber, WhatsApp
11.5. Pilot a district eg Ampara with WIM and do a grassroot level program
11.6. Post programme monitoring and evaluation mechanism
11.7. Regular skill development programs
11.7.1. Preparing business plan
11.7.2. Preparing marketing plan
11.7.3. Preparing accounts
12. Revamp the capacity building program methodology
12.1. Digital and IT literacy field survey to capture gap analysis
13. Establish bold targets within a 3 year plan
14. Redefine HNB Women banking philosophy
14.1. Increase average ticket size by 25%
14.1.1. Improved access to finance coupled with responsible banking
14.2. Focus shift from financial asset to social asset
14.2.1. Regional penetration of Women banking to record a 3% portfolio growth yoy from 2018-2021