154 years in service of the Nation and going strong
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1 Financial Results Q4 & Welcome Board of Directors 11 th May years in service of the Nation and going strong
2 The Bank s Key Strengths Robust CASA Stable Operating Profit Young & energetic workforce Strong delivery channels Branches + ATMs + BCs=
3 Business Objectives & Strategies Profit Maximization CASA Mobilisation Cross Selling Cost Control Digital Drive Capital Conservation NPA Recovery Asset Quality Management Mitigation of Risks Human Capital Development Training Re-skilling Soft skills 3
4 Performance Highlights of Retail Credit Y-o-Y Growth 25% Robust CASA Share at 46.50% Improved PCR at 62.91% Declining CoD at 5.33% Lower NNPA% 8.04% 4
5 Business Mix Investment Profitability Asset Quality Capital & Shareholding Pattern Networth Delivery Network Financial Inclusion MUDRA & Stand Up India Schemes Contents 5
6 Terminal Business Mix Rs. in crore Sl. No. Parameters Mar'17 Dec'17 Mar'18 Y-o-Y Variation Amount % 1 Business Domestic Overseas Percentage Share of overseas to total business Deposits Domestic Overseas Advances Domestic Overseas CD Ratio Total No. of Domestic Branches
7 Deposits Terminal & Average Deposits & Advances Advances Rs. in crore Mar'17 Jun'17 Sep'17 Dec'17 Mar'18 Mar'17 Jun'17 Sep'17 Dec'17 Mar'18 Terminal Average Terminal Average
8 Deposits Mix Sl. No. Parameters Mar'17 Dec'17 Mar'18 Y-o-Y Variation Amount % Rs. in crore 1 Total Deposits Aggregate Deposits Bulk Deposits Bulk % to Total Dep SB Deposits Current Deposits CASA Deposits a CASA Share in Agg. Deposit (%) Term Deposits
9 CASA Mix Stable increase in SB deposits Increase in CASA share to Aggregate Deposits % % % % % % % % 45.07% % Mar'17 Jun'17 Sep'17 Dec'17 Mar' Mar'17 Jun'17 Sep'17 Dec'17 Mar' SB Deposits SB Share in Agg. Deposits (%) CASA Deposits CASA Share in Agg. Deposits (%) 9
10 Advances Mix Rs. in crore Sl. No. Amount % 1 Total Advances Large Industries Parameters Agriculture and Allied Activities Mar'17 Dec'17 Mar' MSME Retail Loans Others* * Includes food credit, export credit, trade & rent loan schemes. Y-o-Y Variation 10
11 Priority Sector Advances Mix Sl. No National Parameter Mar'17 Dec'17 Mar'18 Goals Rs. in crore Y-o-Y Variation Amt. % Priority Sector % to ANBC Total Agriculture Advances % to ANBC Small and Marginal Farmers % to ANBC Weaker Section % to ANBC Women Beneficiaries % to ANBC ANBC as on 31st March 2017: Rs crores 11
12 Small, Micro, Agriculture and Retail Loans Rs. in crore Sl. No. Parameters Mar'17 Dec'17 Mar'18 Variation Amt. % 1 Small Micro Agriculture Retail Total
13 Retail Loans: Product Performance Key Segments of Retail Loans Retail Credit Rs. in crore/ Y-o-Y Growth % 27% % % -15% 50% % Home loans Car & Com. Vehicle Education Property Others Mar'17 Mar'18 Mar'17 Mar'18 13
14 Sl. No. Major Industries Amt. Industry-wise Deployment of Credit Mar'17 % share to Total Adv Mar'18 Rs. in crore Y-o-Y Variation Amt. % 1 Food Processing Textiles Chemical & Chemical Products Cement & Cement Products Basic Metal & Metal Products a Iron & Steel All Engineering Products Gems & Jewellery Construction Infrastructure of which, a Power b Tele-communication c Road & Ports Amt. % share to Total Adv 14
15 Investment Parameters Mar'17 Dec'17 Mar'18 Rs. in crore Y-o-Y Variation Amount % 1 Gross Investment Held To Maturity (HTM) Available For Sale (AFS) Held For Trading (HFT) Duration (AFS+HFT) Modified Duration (AFS+HFT) Total Duration Total Modified Duration Net Demand & Time Liabilities SLR (%) HTM to SLR (%) HTM to Gross Investment (%)
16 Profit Rs. in crore Sl. Parameters Y-o-Y Variation Q4 Q3 Q4 FY17 Amt. % FY17 Y-o-Y Variation Amt. % 1 Interest Income Interest Expenses NII (Spread) (1-2) Non-Interest Income 5 Operating Expenses Contribution (4-5) Operating Profit (3+6) Provisions Net Profit
17 Sl Parameters Interest on Advances Interest on Investments Other Interest Income Interest Income (1+2+3) Break-up : Income Rs. in crore Fee Based Income Trading Profit Other Income Non-Interest Income (5+6+7) Q4 FY17 Q3 Q4 Y-o-Y Variation Amt Total Income (4+8) % FY17 Y-o-Y Variation Amt. % 17
18 Fee Based Income Rs. in crore Sl. No. Particulars Q4 FY17 Q3 Q4 Y-o-Y Variation Amt. % FY17 Y-o-Y Variation Amt. % 1 Bills/LC/BG Processing Fees Exchange Incidental Charges Others** Total ** Includes wealth products, locker rent, commission- govt. business, ATM, NPCI Acquirer, service tax collection, documentation & supervision charges, etc. 18
19 Break up : Expenditure Rs. in crore Sl. No. Parameters Q4 FY17 Q3 Q4 Y-o-Y Variation Amt. % FY17 Y-o-Y Variation Amt. % Interest Paid on 1 Deposits Interest Paid on 2 Borrowings Total Interest Paid 3 (1+2) 4 Establishment Expenses Other Operating 5 Expenses Operating Expenses 6 (4+5) Total Expenses (3+6)
20 Provisions Rs. in crore Sl. No. Parameters Q4 FY17 Q3 Q4 Y-o-Y Variation Amt. % FY17 Y-o-Y Variation Amt. % 1 NPA Standard Advance Depreciation on Investment Income Tax Others Total Provisions
21 Cost & Yield Ratios (Quarterly) CoD YoA CoF Mar'17 Jun'17 Sep'17 Dec'17 Mar'18 Mar'17 Jun'17 Sep'17 Dec'17 Mar'18 Mar'17 Jun'17 Sep'17 Dec'17 Mar' YoI YoF NIM Mar'17 Jun'17 Sep'17 Dec'17 Mar'18 Mar'17 Jun'17 Sep'17 Dec'17 Mar'18 Mar'17 Jun'17 Sep'17 Dec'17 Mar'18 21
22 Cost & Yield Ratios (Full Year) CoD 8.80 YoA 5.74 CoF Mar'17 Dec'17 Mar'18 Mar'17 Dec'17 Mar'18 Mar'17 Dec'17 Mar'18 YoI YoF NIM Mar'17 Dec'17 Mar'18 Mar'17 Dec'17 Mar'18 Mar'17 Dec'17 Mar'18
23 Profitability Ratios Sl. 1 Parameters Return on Assets (%) (Annualised) Q4 FY17 Q3 Q4 FY Return on Networth (%) Operating Profit to AWF (%) Cost to Income Ratio (%) Estb. Exp. to Total Exp. (%) Operating Exp. to AWF (%) Book Value Per Share (Rs) Earnings per share (Rs) (Non-annualised)
24 Ratios: Productivity Sl. Parameters FY17 Q3 1 Average Business per Branch (Rs. crore) Average Business per Employee (Rs. crore) Profit/Loss per Employee (Rs. Lac) (Annualised)
25 NPA Movement Sl. Parameters FY17 Q4 FY17 Rs. in crore Q4 1 NPA as at the beginning of the Qtr/ Year Cash Recovery Upgradation Recovery in written-off debt A/cs Intt. Received/derecognised Intt Prudential Write Off done in the Qtr/ Year Sale of Assets to ARC Total Reduction Fresh Addition for the Qtr/Year a Addition in existing NPA NPA as at the end of the Qtr./ Year Provisions for Bad Debts Counter Cyclical Provisions/DICGC/ECGC Claim received & Part payment received and held in suspense A/c etc Net NPAs Total NPA Reduction/ Recovery in NPA including written-off debt A/cs
26 NPA Ratios Sl. 1 Total Advances GNPA 3 NNPA Parameters Amount (Rs. crore) Ratio Amount (Rs. crore) FY17 Q Ratio Provision Coverage Ratio (%) 26
27 NPA Ratios & PCR Mar'17 Jun'17 Sep'17 Dec'17 Mar'18 PCR GNPA% NNPA% 0 27
28 Restructured Accounts during Mar 18 quarter Rs. in crore Flexible Restructuring under Different Schemes Scheme S4A SDR 5/25 Total No. of accounts Amount Sl. Particulars No./ /Amount Under CDR SME Debt Others Total 1 Standard Advances % to Gross Credit No Amount
29 Stressed Assets (Standard Restructured + GNPA) Rs. in crore Mar 17 Jun 17 Sep 17 Dec'17 Mar'18 Stressed Assets % to total advances
30 Capital Adequacy Ratio- Basel III Mar 17 Mar 18 Tier % CET % Tier % CET % Tier % Tier % CRAR: 11.45% CRAR : 8.69% 30
31 Capital Adequacy Ratio- Basel III Rs. in crore Sl. CRAR (under Basel-III): Regulatory Capital FY17 1 Common Equity Tier 1 Capital Additional Tier 1 Capital Total Tier 1 Capital (1+2) Tier 2 Capital Total Capital (3+4) Common Equity Tier 1 Ratio (%) Total Tier 1 Capital Ratio (%) Tier 2 Capital (%) Total Capital Ratio (%)
32 3.8% 10.1% 1.5% Shareholding Pattern 18.7% 65.9% MARCH 2017 GoI Indian IIs/MFs FIIs/FPIs Res. Indians Others 3.2% 8.8% 6.6% MARCH % 64.8% GoI Indian IIs/MFs FIIs/FPIs Res. Indians Others 32
33 Networth of the Bank Rs. in crore Sl. No. Components of Networth Mar 17 Dec 17 Mar Capital Reserves Networth (excluding revaluation reserve)
34 Domestic Branch Network as on Areas Brs Rural 1207 Semi- Urban 764 Urban 648 Metro 626 Punjab 141 HR 93 CH 6 J&K 9 HP 16 UA 42 DL 95 Bihar 239 Sikkim 2 AS 76 AR 1 Total 3245 Gujarat 63 Dadra, Nagar Haveli 1 Goa 5 Kerala 21 RJ 86 MH 133 KA 57 MP 205 TS 41 AP 38 UP 956 CG 48 TN 65 JH 145 OD 101 Pondicherry 1 WB 543 ML 2 TR 3 MN 4 Andaman & Nicobar 1 NL 6 34
35 Delivery Network BCs 4,364 4,971 5,063 5,063 ATMs 1,170 1,212 1,214 1,105 3,107 3,209 3,245 3,245 FY15 FY16 FY17 35
36 Financial Inclusion Particulars Mar'17 Dec'17 Mar'18 FI Accounts Bank (in lakh) Deposit Balance (Rs crore) PMJDY Accounts (in lakh) Balance in PMJDY Accounts (Rs. crore) Mar'17 Dec'17 Mar'18 Mar'17 Dec'17 Mar'18 36
37 MUDRA and Stand up India: March 2018 PARAMETERS Bank as a whole Disbursement Target (Rs. crore) () 2990 Amount Sanctioned (Rs. crore) Achievement % (Sanction) 93.64% Amount Disbursed (Rs. crore) Achievement % (Disbursement) 92.52% (Rs in crores) Since inception During No. of A/cs Amt. Sanctioned Amt. Disbursed No. of A/cs Amt. Sanctioned Amt. Disbursed
38 Young Work Force Average Age in years FY13 FY14 FY15 FY16 FY17 38
39 Our New Products And now you can like &
40
www.allahabadbank.in Business Mix Sl. No. Parameters Jun'15 Mar'16 Jun'16 Variation Q-o-Q Y-o-Y Jun'16 over Mar'16 Jun'16 over Jun'15 Amt. (%) Amt. (%) 1 Business 334548 358352 350848-7504 -2.09 16300
www.allahabadbank.in Business Mix Sl. No. Parameters Mar'15 Sep'15 Variation Q-o-Q Y-o-Y over Sep'15 over Amt. (%) Amt. (%) 1 Business 331196 346519 340101 344709 4608 1.35 13513 4.08 2 Deposit 184544
Domestic Branch Network
Domestic Branch Network RURAL SEMI-URBAN URBAN METRO 20% 19% 20% 41% Branches 2716 Rural-1105 S-Urban-553 Urban-551 Metro-507 3000 2500 2000 1500 Branches 2415 2259 2286 2716 2516 FY'09 FY'10 FY'11 FY'12
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Page 1
Page 1 HIGHLIGHTS MARCH 2015 Major HIghlights Net profit at 2703 crore, up by 10.8% y.o.y. Gross profit at 6950 crore, up by 2.3% y.o.y. Total provisions at 4248 crore compared to 4358 crore in FY14 Non-interest
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Robust Operating Momentum
Key Messages Operating Momentum Continues to make Strong Progress **** Healthy Core Engine Robust Operating Momentum Highest ever Operating Profit @ 708cr, grows 26% Y-o-Y Highest ever Net Profit @ 334Cr,
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Strong Operating Momentum. Operating Profit grows 20% Y-o-Y Robust Growth across all Business Segments Highest ever
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Uninterrupted dividend payment track record since inception Declared Dividend of 190% Bank has crossed total Business of Rs.
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New Zealand (Subsidiary)
1 2 USA (New York & SFO) UK (London + 7branches) Europe -France (Paris) -Belgium (Antwerp) Hong Kong Kowloon Shenzen Singapore Jakarta Ho Chi Minh Japan (Tokyo & Osaka) Phnom Penh West Indies - Cayman
pnb FINANCIAL RESULTS Q2 FY 19 The Journey of Recovery & Rebound .the name you can BANK upon Please follow us on:
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Founder: Shri Haji Abdullah Haji Bahadur Saheb Bahadur
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Market Share in Advances increases to 1.01%. Up by 6bps. Market Share in deposits increases to 0.91%. Up by 3bps Y-o-Y
Key Messages Robust and Diversified Credit Growth Continues. Blended Y-o-Y Growth rate of 22% Refined Retail Asset delivery architecture yields results (HL grows 26% Y-o-Y; 7% Q-o-Q and Auto grows 68%Y-o-Y;15%Q-o-Q;
Analyst I Institutional Investor Meet Presentation & Press Release
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Performance Highlights for the year ended 31 st March, 2017.
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NIM on consistent growth trend Up by 3 bps at 3.31% Total Business Crosses Rs.1.5L Cr. Balance Sheet Size Crosses Rs.1L Cr
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DENA BANK. WELCOMES YOU AT ANALYST MEET 6 th November Un-Audited [Reviewed] Quarterly/Half Yearly Financial Results For September 30, 2012
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