Capital Adequacy Ratio (Basel III) Earnings Per share, Book Value Per Share & Share Holdings Pattern

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2 Sl. No. Areas of Presentation Slide No 1 Highlights 3 2 Business Cross Section 4 3 Domestic CASA 5 4 Domestic Advances 6 5 Retail Credit Components 7 6 Industry & NBFC Exposure 8 7 Restructured Advances, Stressed Asset Ratio & Movement in Restructure Adv Non Performing Assets (NPA) NII, Operating Profit & Net Profit Financial Highlights Quarterly Provisions Quarterly 20 Sl. No. Areas of Presentation Slide No 12 Key Parameters Quarterly Gross Investments Capital Adequacy Ratio (Basel III) Earnings Per share, Book Value Per Share & Share Holdings Pattern Equity Value Branch Network 26 2

3 HIGHLIGHTS OF WORKING RESULTS Business Global Global Business Business at `at 468,184 4,68,764 Crores Crore Savings Savings Deposits Deposits grew grew by 12% by 10% (Y o Y) 3 Income Non Interest Income increased by 11% (Y o Y) Advances R A M (Retail, Agriculture and MSME) grew by 15% Priority Sector Credit grew by 12% (Y o Y) Capital Quarterly Margin CRAR (Basel III) at 11.00% Domestic NIM : 2.51% Global NIM : 2.22%

4 Business Cross Section GLOBAL Mar., GLOBAL BUSINESS Growth Y O Y Particulars Amount % Global Business (3,658) (0.77) Global Deposits (5,580) (2.07) Business Deposits Advances DOMESTIC BUSINESS Growth Y O Y Particulars Amount % Domestic Business 5, Domestic Deposits (300) (0.13) Domestic Advances 5, Global Advances 1, Mar., DOMESTIC Business Deposits Advances

5 Domestic CASA 65,379 67,925 62,889 Cost of Deposits % (Domestic) Quarterly 5 52,048 52,262 47, ,985 15,877 10, Total CASA Current Savings Mar., 15 Sep., 15 Dec., 15 Mar., Particulars Mar., Y o Y Growth % Current Deposits 17,985 15,877 10,627 (7,358) (41) Savings Bank 47,394 52,048 52,262 4, CASA Deposits 65,379 67,925 62,889 (2490) (4) Domestic CASA Deposits % 27.28% 28.88% 26.28% % of Bulk Deposits 9.53% 8.96% 4.18%

6 Domestic Advances Particulars Jun, Mar, Jun, Y o Y Growth Growth over Mar., Amt % Amt % 6 Domestic Advances (Gross) 1,62,437 1,68,152 1,67,759 5,522 3 (393) R A M Category Advances R etail Credit 23,218 (14%) A griculture Credit 25,713 (16%) M SME Credit 24,073 (15%) 26,529 (16%) 29,899 (18%) 27,333 (16%) 26,966 (16%) 29,712 (18%) 27,389 (16%) 3, , (187) (1) 3, Total R A M 73,004 (45%) 83,761 (50%) 84,067 (50%) 11, % age expressed on Gross Domestic Advances

7 Retail Credit Components 7 12,570 Housing Loans 14,174 13,485 12,912 14,601 2,143 Vehicle Loans 2,638 2,379 2,767 2,788 Y o Y 16% Y o Y 30% 15 Sep., 15 Dec., 15 Mar., Sep., 15 Dec., 15 Mar., Education Loans 2,773 2,856 2,898 Y o Y 4% 2,858 2,877 Mortagage Loans Other Retail Advances 3,497 3,543 3,594 3,654 3,876 1,874 2,134 1,907 1,606 1,205 Gold Loan (Non Priority) 1,030 1,064 1,014 Y o Y 11% Sep., 15 Dec., 15 Mar., Sep., 15 Dec., 15 Mar., Sep., 15 Dec., 15 Mar., 16 16

8 Industry and NBFC Exposure Particulars (Global) Jun, Mar, Jun, NPA LEVEL (June, ) Y o Y growth Amt % % Change Mar 16 Iron & Steel 8,263 7,143 7,291 4,605 (972) (12) 2 Cement Textiles 2,987 2,746 2, (246) (8) 0 Aviation Services (29) (3) (2) 8 Power 17,281 16,653 16, (1,176) (7) (3) State Owned 11,996 10,615 10,195 (1,801) (15) (4) Private Owned 5,285 6,037 5, (2) Roads & Ports 3,820 3,849 3, (293) (8) (8) Aviation (12) (4) (1) Telecom 4,194 4,511 4, (1) Infrastructure NBFC TOTAL 25,612 (13%) 22,780 (11%) 48,392 (24%) % age expressed on Gross Global Advances 25,321 (12%) 23,113 (11%) 48,434 (23%) 24,408 (12%) 21,341 (10%) 45,749 (22%) 1,339 (1,204) (5) (4) (1,439) (6) (8) 1,339 (2,643) (5) (6)

9 Restructured Advances CDR 30 th 31 st Mar., 30 th No.: of Accounts Amount 2,588 2,732 2,676 9 NON CDR No.: of Accounts 95,683 1,01,592 1,10,646 Amount 7,783 5,654 5,487 TOTAL No.: of Accounts 95,719 1,01,625 1,10,680 Amount 10,371 8,386 8,163

10 Restructured Advances 10 Advances Restructured during Quarter Quarterly June, Mar., June, Restructured Advances Movement of Restructured Advances during the Quarter Particulars Sep., Quarterly Jun 15 Mar 16 Jun 16 Opening Balance 10,767 10,682 8,386 Fresh Restructuring Increase in Existing Restructure Restructured Standard Advances upgraded to (892) (1,050) (84) full Standard advances Decrease in O/S + Closures (173) (1,894) (810) Closing Balance 10,371 8,386 8,163 Dec., Mar., Stressed Asset Ratio Restructured (STD) Ratio Gross NPA Ratio

11 Non Performing Assets 11 7,546 7,734 9,603 4,721 4,855 6,210 13,832 9,015 15,434 10,051 Sep., Dec., Mar., Net NPA Gross NPA Mar., Gross NPA % Net NPA % Mar., Provision Coverage Ratio (PCR)

12 12 Particulars Yearly FY 16 Quarterly Mar., A. Gross NPA at the Beginning 6,442 6,442 9,603 13,832 B. Deduction: (i) Up gradation & Decrease due to Operations 2, (ii) Recoveries 1, (iii) Write off (incl. Prudential) 1, TOTAL 4, , C. Additions: (i) Fresh NPA 12,200 2,070 5,926 2,348 TOTAL 12,200 2,070 5,926 2,348 Gross NPA at the End (A B+C) 13,832 7,546 13,832 15,434

13 13 Sector wise NPAs (Domestic) Particulars Mar., Y o Y Amount Agriculture 1,385 1,536 1, Industries 2,622 7,453 8,143 5,521 Services 1,305 1,439 1, Retail 1,366 1,546 1, Total 6,678 11,974 13,475 6,797 Priority 3,098 3,382 4,231 1,133 Non Priority 3,580 8,592 9,244 5,664 Total 6,678 11,974 13,475 6,797

14 14

15 Net Interest Income (NII) 5,540 5,520 5,985 Yearly Performance 3,563 Operating Profit 4,007 4,210 * Net Profit ,711 1, Net Interest Income (NII) 1,595 1,517 1,412 1,462 1, Quarterly Performance Operating Profit 1,040 1, ,015 * (119) (1,643) Net Profit Jun.' 15 Sep.' 15 Dec.' 15 Mar.' 16 Jun.' Jun.' 15 Sep.' 15 Dec.' 15 Mar.' 16 Jun.' 16 Jun.' 15 Sep.' 15 Dec.' 15 Mar.' 16 Jun.' 16 (2,158) * Includes provision created in respect of Fraud Accounts identified during the March quarter

16 FINANCIAL HIGHLIGHTS Quarterly 16 Particulars Mar., Y o Y (%) Change (%) Mar., *Exceptional Items include provision created in respect of Fraud Accounts identified during the quarter Mar., Full Year Interest Income 5,823 5,682 5, ,198 Interest Expended 4,411 4,220 4,385 (1) 4 17,213 Net Interest Income (NII) 1,412 1,462 1, ,985 Other Income (32) 2,509 Operating Expenses 894 1,268 1, (1) 4,284 Operating Profit 1,040 1, (25) (23) 4,210 Provisions 738 2, (4) (69) 4970 Exceptional Items* 883* 0 (100) 883 Net Profit 302 (2,158) 79 (74) (1643)

17 INTEREST ANALYSIS Quarterly 17 Particulars Mar., Y o Y Change (%) Change over Mar., (%) Interest Income on Advances 4,357 4,249 4,330 (1) 2 Interest Income on Investments 1,346 1,349 1, Interest on Call Money Lending / Repo/ Others TOTAL INTEREST INCOME 5,823 5,682 5, Interest Paid on Deposits 4,144 3,831 4,058 (2) 6 Interest on Bonds Other Interest Expenditure (34) TOTAL INTEREST EXPENDITURE 4,411 4,220 4,385 (1) 4 Net Interest Income (NII) 1,412 1,462 1,

18 OTHER INCOME Quarterly 18 Particulars Mar., Y o Y Change (%) Change over Mar., (%) Commission & Brokerage (25) Net Profit from FX Transactions Recovery in Written Off A/cs (19) (52) Miscellaneous Income (29) (40) Total (Excl. Trading Profit) Net Profit on Sale of Investments (6) (31) (35) GRAND TOTAL (32)

19 Operating Expenditure Quarterly 19 Particulars Mar., Y o Y Change (%) Change over Mar., (%) Staff Expenses Rent, Taxes & Lighting Depreciation on Fixed Assets (15) Repairs & Maintenance (23) Insurance & Guarantee Fee Other Expenditure # (7) SUB TOTAL 894 1,268 1, (1) Exceptional Items* 883 TOTAL 894 2,151 1, (42) * Includes provision created in respect of Fraud Accounts identified during the March quarter # Includes Pigmy Agents Commission, Travel, Card Expenses and Contingencies

20 Provisions & Contingencies Quarterly 20 Particulars Mar., Y o Y Change (%) Change over Mar., (%) Provision for NPA 519 1, (58) Bad Debts Written Off (66) Provision for Income Tax (79) (68) Deferred Tax Asset (DTA) / Liability DTL 109 (219) 0 (100) (100) Standard Assets (142) (668) (141) Restructured Assets (130) (46) (79) (39) 72 Depreciation on Investments (64) Staff Welfare Fund Leave Encashment (40) (69) Others (27) TOTAL 738 2, (4) (69)

21 21 KEY PARAMETERS Quarterly (Global) Values in % Parameters Sept., Dec., Mar., Cost of Deposits Yield on Advances Cost of Funds Yield on Funds Return on Assets (0.16) (2.89) 0.10 Yield on Investments NET INTEREST MARGIN (NIM) Global Domestic

22 Gross Investments 68,422 67,499 66,997 69,061 70,145 2, ,253 22,063 18,224 18,203 41,429 45,366 48,518 50,783 28,250 41,860 HFT AFS HTM 15 Sep., 15 Dec., 15 Mar., Yield on Investments (Quarterly) Sep., Dec., Mar.,

23 Capital Adequacy Ratio Basel III Tier I Tier II CRAR (Values in % ) Sep., Dec., Mar., Particulars Regulatory Total Capital Sep., Dec., Mar., 17,064 18,120 18,888 19,314 19,189 Risk Weighted Assets 1,67,836 1,73,234 1,73,133 1,73,071 1,74,472 CRAR 10.17% 10.46% 10.91% 11.16% 11.00%

24 Earnings Per Share (Annualized) EQUITY HOLDING PATTERN As on Govt. of India 69.32% 24 Book Value Per Share Others 10.30% Insurance Cos % FIIs & FPIs 5.55% Bodies Corporate 1.37% Banks & FIs 0.19% Mutual Fund & UTI 0.03%

25 25 EQUITY VALUE Particulars Jun, Sep., Dec., Mar., Earnings Per Share (24.82) 3.96 Book Value Per Share Return on Equity (%) (14.44) 2.88 No. of Shares ( in Crore) Share Capital Market Capitalization 6, , , , ,813.07

26 BRANCH NETWORK Branches opened during Q1 ( 17) 8 Branches opened during Q1 ( 16) Urban Metro Semi Urban 1,033 1,152 Rural 1,242

27 27

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