The Bank that begins with. Financial Results Q-3 / FY

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1 The Bank that begins with Financial Results Q-3 / FY

2 Results at a Glance Q-3(FY ). Performance Parameter (Rs/Cr) Q3-18 Ratio for Q-3 (in %) Q3-18 Operating Profit 182 Return on Assets Net Profit -638 Credit to Deposit (CD) Total Business CASA Total Deposits NIM 1.51 Total Advances Capital Adequacy Ratio Total Assets (Basel III, Tier I :7.73%) Net worth 3322 Cost of Fund 5.15 Total Capital (Basel- III) Provision Coverage Ratio Tier I Capital (Basel-III) Gross NPA Business per Employee Net NPA 11.96

3 HIGHLIGHTS Q3-. Highlights Total Business stands at Rs crore. Total Deposit as on stands at Rs crore. CASA share at 47.19% as on 31 st Dec Credit to Deposit (CD) ratio increased to 54.35% as on 31 st Dec 2017 as compare to 53.15% as on 31 st Dec Retail Advances has shown a growth of 13.50% with Housing Loan and Car Loan increased by 23.63% and 31.31% respectively, on y-o-y basis Priority Sector Advance has shown a growth of 12.45% with MSME (Prisec) Advance grown by 17.70% on y-o-y basis. CRAR (Basel III) at 10.98% with Tier 1 at 7.73% as on 31 st Dec, Provision coverage ratio (PCR) is 59.11% on Q3-FY 18 against 54.62% in Q3-FY 17 Business per Employee increase from Rs cr to Rs cr on y-o-y basis.

4 BUSINESS PROFILE Amt. in Rs. Crore Dec 16 Mar 17 Jun 17 Sep 17 Dec 17 Y-o-Y Growth(%) Total Business % Total Deposits % Total Advances % CD Ratio (%)

5 COMPOSITION OF DEPOSITS Amt. in Rs. Crore Savings Deposits Current Deposits CASA Deposits Dec 16 Mar 17 Jun 17 Sep 17 Dec 17 Y-o-Y Growth(%) % % % CASA (%) Term Deposits %

6 COMPOSITION OF CREDIT PORTFOLIO Dec 16 Mar 17 Jun 17 Sep 17 Dec 17 Amt. in Rs. Crore Y-o-Y Growth (%) PRISEC with RIDF Agriculture Credit MSME Advance Other Priority sector Retail Advance Housing Education Car Loan Personal Loan & Oth

7 INVESTMENTS Amt. in Rs. Crore Dec 16 Mar 17 Jun 17 Sep 17 Dec 17 Investments(Domestic) Held to Maturity Held for Trading Available for Sale

8 QUARTERLY- INCOME, EXPENDITURE AND PROFIT Amt. in Rs. Crore Q- 3 ( ) Q- 4 ( ) Q- 1 Q- 2 Q- 3 Growth (%) (Q3-o-Q3) Interest Income % Non-Interest Income % Total Income % Interest Expenditure % Operating Expenses % Total Expenditure % Operating Profit % Provision % Net Profit %

9 Comm, Exch & Brokerage OTHER INCOME Amt. in Rs. Crore Q- 3 ( ) Q- 4 ( ) Q- 1 Q- 2 Q- 3 Growth (%) (Q3-o-Q3) % Profit from Trading % Profit from Exchange Trans. Bad Debt Realization % % Other Misc. Income % Total Other Income %

10 OTHER EXPENDITURE Amt. in Rs. Crore Q- 3 ( ) Q- 4 ( ) Q- 1 Q- 2 Q- 3 Growth (%) (Q3-o-Q3) Establishment Expense % Rent, Taxes & Lighting % Printing & Stationery % Depreciation % Service charges % Insurance % Others % Total: %

11 PROVISIONS & CONTINGENCIES Amt. in Rs. Crore Q- 3 ( ) Q- 4 ( ) Q- 1 Q- 2 Q- 3 ( Growth (%) (Q3-o-Q3) Provisions for NPA % Provisions for NPI % Depreciation on Investments % Deferred Tax Asset % Service Tax/GST Others Total %

ASSET QUALITY Amt. in Rs. crore Dec 16 Mar 17 Jun 17 Sep 17 Dec 17 Gross NPA (Rs./Crore) 10845.31 10951.99 12164.90 12892.67 13720.69 Gross NPA ( %) 15.98 15.

12 ASSET QUALITY Amt. in Rs. crore Dec 16 Mar 17 Jun 17 Sep 17 Dec 17 Gross NPA (Rs./Crore) Gross NPA ( %) Net NPA (Rs/Crore) Net NPA Ratio (%) PCR (%)

13 COMPOSITION GROSS NPA Amt. in Rs. Crore Dec 16 Mar 17 Jun 17 Sep 17 Dec 17 Substandard Assets Doubtful Assets Loss Assets Total NPA

14 MOVEMENT OF NPA Amt In Rs. crore Q- 3 ( ) Q- 4 ( ) Q- 1 Q- 2 Q- 3 Opening Balance Reduction Upgradation (-) Cash Recovery (incl. sale of assets) (-) (-) (537.86) (119.70) (73.07) (21.77) Write-off (-) Fresh Slippages(+) Closing Balance

15 RESTRUCTURED ACCOUNTS Particulars Dec 16 Mar 17 Jun 17 Sep 17 Dec 17 Total Advances Of which NPA Restructured Advances - Standard Fresh Restructured during the quarter/increase in Balance Closed / Recovery during the quarter Restructured A/c Slippage to NPA during the Quarter incl fresh NPA restructure Closed/Recovery of NPA Restructured A/C during the quarter

16 PRODUCTIVITY RATIOS *Annualised Dec 16 Mar 17 Jun 17 Sep 17 Dec 17 Business Per Employee (Rs/Cr.) Business Per Branch (Rs/Cr.) Gross Profit Per Employee (Rs/ Lac)* Gross Profit Per Branch (Rs/ Lac)*

17 CAPITAL ADEQUACY Rs. In crore Dec 16 Mar 17 Dec 17 Tier - I Of which- Common Equity Adjusted Additional Tier I (AT 1) Tier II Total RWA CAR (%age) Tier I of which CET Additional Tier AT Tier -II

18 FINANCIAL INCLUSION Bank has covered 3070 Sub Service Areas(SSAs) covering un-banked villages and 4196 Bank Mitras are extending basic banking services from a fixed point location lakh Accounts have been opened during the quarter ended Dec 17. Thus, the total Basic Savings Bank A/c has increased from lakh to lakh with a total deposit of Rs crore as at the end of Dec 17. Out of the above, Bank Mitras have mobilized Rs crore CASA deposit in lakh accounts. Credit linkage through Bank Mitra channel has been established in lakh FI customers with an outstanding amount of Rs crore. Bank has rolled out JLG Loan module through Bank Mitras FI customers have availed JLG loan where outstanding balance is Rs crore as at Dec 17 with negligible issues.

19 FINANCIAL INCLUSION (PMJDY) Under PMJDY, lakh accounts have been opened till end of Dec 17. Out of lakh accounts opened, lakh accounts (14.12%) are under Zero balance category lakh RuPay Debit Cards have been issued Lakh PMJDY Accounts have been Aadhaar linked Lakh customers have been enrolled under Pradhan Mantri Jan Suraksha Yojana (PMSBY) Lakh customers have subscribed for insurance cover under Pradhan Mantri Jeevan Bima Yojana(PMJJBY). Out of 1494 death claims lodged under PMJJBY, 1409 claims have been settled by LICI. Under PMSBY, as against 170 accidental insurance claims, NIC has settled 89 cases and repudiated 47 cases.

20 REGIONAL RURAL BANKS HOLISTIC APPROACH TO FINANCIAL INCLUSION Bank has sponsored 4 RRBs, Bangiya Gramin Vikash Bank (West Bengal), Assam Gramin Vikash Bank (Assam), Tripura Gramin Bank (Tripura) and Manipur Rural Bank (Manipur). Combined branch network of the sponsored RRBs is 1169 with a combined business of Rs crore as on All the branches of the RRBs are CBS enabled.

21 We re everywhere for you Thank you

The Bank that begins with. Financial Results Q3 ( )

The Bank that begins with. Financial Results Q3 ( ) The Bank that begins with Financial Results Q3 (2013-14 ) HIGHLIGHTS 31.12.2013. Total Business at Rs.188867 crore, with a y-o-y growth of 19.78%. Highlights Total Deposits increased to Rs.109891 crore,