Movement of business parameters

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3 Movement of business parameters. [ Amt. in Rs. Crore ] During Qtr./ As on QE Q3 vs Q4 Change (%) Performance Highlights During FY/ As on END YoY Change (%) Q3 FY'17 Q4FY' Total Deposit Total Advance Total Income Net Interest Income Operating Profit Provisions Net Profit Gross NPA (Rs.Cr.) Gross NPA % Net NPA (Rs.Cr.) Net NPA % CASA (Domestic)(%) ROA (%) NIM (Global) NIM (Domestic) NPA Prov coverage Book Value per share (Rs.)

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5 Deposit components [ Amt. in Rs. Crore ] Parameters As on 31-March'17 As on 31-Dec'16 As on 31-March 16 A) Deposit (Domestic) (i+ii+iii) Current Savings i. CASA Share of CASA (%) 33.92% % 31.68% ii. Normal Term Deposit (< Rs. 1 Cr) iii. Bulk Deposit (>= Rs. 1 Cr)+ CD B) Deposit (Overseas) C)Total Deposit (Global)

6 CASA Movements (Domestic) [ Amt. in Rs. Crore ] As on Parameters 31-March'17 31-Dec'16 31-March 16 CASA Current Accounts Saving Accounts Rs. Crore % of Domestic Dep % % % Rs. Crore % of Domestic Dep % % Rs. Crore % of Domestic Dep % % % 6

7 Domestic Investment Portfolio as on [ Amts. in Rs. Crore ] Investment in SLR (G Sec) Portfolio Amount INR Crore % to NDTL HFT AFS HTM Sub Total (Investment in SLR) Investment in Non - SLR HFT 0 0 AFS HTM Sub Total (Investment in Non - SLR) Gross Total (SLR + Non-SLR) Deposits, Advances & Investments 7

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9 Income, Expenditure & Profit (Global) [ Amt. in Rs. Crore] During Change During Change Q4 FY'17 Q4FY 16 Amt. % FY'17 FY'16 Amt. % I)Total Income (a+b) : a)interest Income Interest on Advances Income on Investments Other Interest Income b)other Income II)Total Expenses Interest Paid Operating Expenses III)Operating Profit (I-II): IV)Provisions V)Net Profit (III-IV) : Net Interest Income Financials & performance indicators 9

10 Ratio Analysis During During During During Q4 FY'17 Q4FY'16 FY'17 FY'16 Q4 FY'17 Q4FY'16 FY'17 FY'16 Cost of Deposit (%) Cost of Deposit (%) Yield on Performing Advances (%) Yield on Performing Advances (%) Yield on Investment (%) Net Yield Interest on Investment Margin Global (%) (%) Net Interest Margin Domestic Global (%) (%) Net Interest Cost to Margin Income Domestic Ratio (%) (%) GNPA GNPA (%) (%) NNPA (%) NNPA (%) NPA Provision Coverage (%) NPA Provision Coverage (%) CRAR (Basel-III) (%) CRAR (Basel-III) (%) Financials & performance indicators 10

11 Profitability Indicators During During Q4 FY'17 Q4FY'16 FY'17 FY'16 Return on Assets (%) Return on Equity (%) Book Value per Share (Rs.) Earnings per Share (Rs.) Net Worth Operating Profit to AWF (%) Net-interest income to AWF (%) Non-interest income to AWF (%) Financials & performance indicators 11

12 Capital Adequacy [ Amt. in Rs. Crore] PARAMETERS Credit Risk Market Risk Operational Risk Total Risk Weighted Assets Tier I Capital Fund Tier II Capital Fund Total Capital Fund CET 1 (%) BASEL - III Tier I (%) Tier II (%) Capital Adequacy Ratio (%) Financials & performance indicators 12

13 Restructured Standard Assets Q4FY 17 Details Amt.(Cr.) Total Restructured Assets as on 01 Jan Add: Standard Accounts restructured during Q4FY Less: Total Standard Restructured accounts closed during Q4FY Add: Increase/Decrease in O/s balance Less: Standard Restructured Slipped to NPA Total Standard Restructured as on 31 March % age of Restructured Advances to Total Loans and Advances as on 31/03/ Financials & performance indicators 13

14 Industry wise break-up of Restructured Standard assets As on As on Industry As on Power and Distribution Infrastructure Iron and Steel Aviation Information technology Others Total Financials & performance indicators 14

15 Movement of NPA Q-o-Q [ Amt. in Rs. Crore ] Parameters Gross NPA (Opening Balance at the beginning of Qtr) As on / during the QE Dec'16 As on / during the QE Mar'17 As on / during the QE March' Fresh Slippage (during the Qtr) Recovery + Up gradation Write off Gross NPA (Amt.) Gross NPA (%) Net NPA (Amt.) Net NPA (%) Financials & performance indicators 15

16 Sector wise NPAs (Domestic) [ Amt. in Rs. Crore ] Parameters As on / during the QE March 17 Dec 16 March'16 1 Agriculture & Allied Activities Micro & Small Industries Medium Industries Large Industries Services Retail All Others Total Financials & performance indicators 16

17 Performance towards Financial Inclusion Initiatives During Q4 FY17 Cum. as on Villages covered with > 2000 population (a) 1816 through Branches 378 through BCs 1438 Villages covered with < 2000 population (b) through Branches 35 through BCs Total no. of villages covered (a) + (b) Total no. of No frill accounts opened (In lakh) No. of Smart card issued (In lakh) No. of transactions in the a/cs opened under ICT based BC model during the year (in lakh) No. of KCCs extended (In lakh) No. of GCCs extended (In lakh) 0.44 No. of all other Deposit accts (In lakh) No. of all other Advance accts (In lakh) No. of SHGs credit linked No. of JLGs credit linked Major Initiatives 17

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