Highlights. Core Deposits stood at Rs.1,33,672 cr. as at the end of Sept,16 showing growth of 10.53% Y-o-Y basis

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Delilah Sherman
5 years ago
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2 Highlights Total Business stood at Rs. 3,44,428 cr. as at the end of Sept 16 against Rs.3,27,807 cr. as on Jun 16.(Increase by Rs.16,621 cr. over the qrt.) Global Deposits stood at Rs. 2,09,485 cr. as at the end of Sept 16 against Rs.1,96,359 cr.as on Jun 16.(Increased by Rs.13,126 cr. over the Qrt) Core Deposits stood at Rs.1,33,672 cr. as at the end of Sept,16 showing growth of 10.53% Y-o-Y basis Global Advances of the Bank stood at Rs. 1,34,943 cr. as at the end of Sept 16. As against Rs.1,31,448 cr as on Jun 16 (Increased by Rs. 3,495 cr over the Qrt) Percentage of Priority sector advances of ANBC stood at 40.92% as of Total income in the 2 nd qtr. of FY16-17 was Rs Cr increased by 4.52% over Jun 16 Qrt.

3 During the 2 nd Qtr of FY16-17, Operating Profit is Rs Cr. whereas on Jun 16 qrt it was Rs.810 cr. (increased by 36.77% over the quarter ) For the 2 nd Qtr of FY16-17 there is Net Loss of Rs. 385 Cr. on account of higher provisioning on NPA. However, there is reduction in loss to the tune of Rs.56 cr. over the previous qrt. Total provision & contingencies in the 2 nd qtr. of FY16-17 was Rs cr as against Rs.973 Cr. a year ago. Provision Coverage Ratio increased to 58.29% in the 2 nd qtr. of FY16-17 from 53.90% a year ago. In Q2 FY 16-17, Total Interest Income stood at Rs Cr. The CRAR as on stood at 9.68% as per Basel III.

4 Cost of Deposits for 2nd Qrt decreased to 5.85% as on from 6.17% a year ago. Average Yield on performing advances (Domestic) for 2nd Qrt stood at 11.17% as on as against 10.17% a year ago Saving Deposits (Domestic) stood at Rs.43,439 cr. which registered a growth of 15.19% YoY basis. As on Sep 16 GNPA Ratio stood at 16.51% as against 17.19% as on Jun 16. Net NPA stood at 8.83% as on Sep 16 as against 10.04% as on Jun 16.

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6 Movement of business parameters [ Amt. in Rs. Crore except otherwise mentioned] Quarter Ended PARAMETERS 30 Sep' Mar' Sep'2016 Change (%) Sep'16/ Sep'15 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)(%) Cost to income (%) ROA 0.26 (-) NIM (Global)(%) NIM (Domestic)(%) NPA Prov Coverage Ratio(%) Book Value per share (Rs.) Performance Highlights 6

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30-Sep'16 A) Deposit (Domestic) (i+ii+iii) 196511 190885

43439 i. CASA 60667 60466 55202 Share of CASA (%) 30.

1 Cr) 75296 79066 83138 iii. Bulk Deposit (>= Rs.

127755 133672 B) Deposit (Overseas) 19952 16234 16733

8 Deposit components [ Amt. in Rs. Crore ] Parameters As on 30-Sep'15 As on 31-Mar'16 As on 30-Sep'16 A) Deposit (Domestic) (i+ii+iii) Current Savings i. CASA Share of CASA (%) % 31.68% 28.64% ii. Normal Term Deposit (< Rs. 1 Cr) iii. Bulk Deposit (>= Rs. 1 Cr)+ CD Core Deposits * B) Deposit (Overseas) C)Total Deposit (Global) **E* Excluding Bulk Deposits (>=Rs.1 cr), CD & Iran Deposits 8

9 CASA movements (Domestic) [ Amt. in Rs. Crore ] As on Parameters 30-Sep'15 31-Mar'16 30-Sep'16 CASA CA SA Rs. Crore % of Dom.Dep % % % Rs. Crore % of Dom.Dep % % 6.10 % Rs. Crore % of Dom.Dep % % % 9

10 Retail Business [ Amt. in Rs. Crore ] Position as on Position as on Scheme Position as on A/c Amount A/c Amount A/c Amount UCO Home UCO Car UCO Education UCO Cash Other Retail Schemes Total Retail Deposits, Advances & Investments 10

11 Particulars Gross Advances As on As on As on (Amt. in cr) As on Bills Purchased & Discounted Cash Credit, Overdraft and Loans repayable on Demand Term Loan Total

12 Investment Portfolio as on [ Amts. in Rs. Crore ] Investment in SLR (G Sec) Portfolio Amount INR Crore % to NDTL HFT 0 AFS HTM Sub Total (Investment in SLR) Investment in Non - SLR HFT 0 AFS HTM Sub Total (Investment in Non - SLR) Priority Sector Investment Gross Total (SLR + Non-SLR) Deposits, Advances & Investments 12

13 Sl. 1 PRIORITY SECTOR 2 TOTAL AGRICULTU RE a b DIRECT AGRICULTU RE INDIRECT AGRICULTU RE 3 MSME Bank Priority Sector Lending Position Outstanding as on Outstanding as on Deposits, Advances & Investments [ Amt. in Rs. Crore ] Variation As on Sep'16/Sep'15 Outstanding % of ANBC (Absolute) (%) Lending excldng. Pool Pool Assets IBPC RIDF+SIDBI+NHB TOTAL Lending excldng. pool Pool Assets IBPC RIDF TOTAL Lending excldng. pool Pool Assets IBPC TOTAL Lending excldng. pool Pool Assets IBPC RIDF TOTAL Lending excldng. Pool Pool Assets IBPC SIDBI TOTAL

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15 Income, Expenditure & Profit (Global) [ Amt. in Rs. Crore] During Change During Change Q2 FY'16 Q2FY'17 Amt. % H1 FY'16 H1FY'17 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 15

16 Ratio Analysis During During Q2 FY'16 Q2FY'17 H1 FY'16 H1FY'17 Cost of Deposit (%) Yield on Performing Advances (%) Yield on Investment (%) Net Interest Margin Global (%) Net Interest Margin Domestic (%) Cost to Income Ratio (%) GNPA (%) NNPA (%) NPA Provision Coverage (%) CRAR (Basel-III) (%) Financials & performance indicators 16

17 Profitability Indicators During During Q2 FY'16 Q2FY'17 H1 FY'16 H1FY'17 Return on Assets (%) Return on Equity (%) Book Value per Share (Rs.) Earnings per Share (Rs.) Net Worth (Absolute) excl. revaluation reserve Op. Profit to AWF (%) Net-interest income to AWF (%) Non-interest income to AWF (%) Financials & performance indicators 17

18 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 18

19 Restructured Standard Assets Q2FY 17 Details Amt.(Cr.) Total Restructured Assets as on 01 Jun Add: Standard Accounts restructured during Q2FY Less: Total Standard Restructured accounts closed during Q2FY Add: Increase/Decrease in O/s balance Less: Standard Restructured Slipped to NPA Total Standard Restructured as on 30 Sep % age of Restructured Advances to Total Loans and Advances as on 30/9/ Financials & performance indicators 19

20 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 20

21 Impaired Assets movement Q-o-Q [ Amt. in Rs. Crore ] Parameters As on / during the QE Sep'15 As on / during the QE Mar'16 As on / during the QE Sep'16 Gross NPA (Opening beginning of Qtr) Fresh Slippage (during the Qtr) Recovery + Upgradation Write off Gross NPA (Amt.) Gross NPA (%) Net NPA (Amt.) Net NPA (%) Financials & performance indicators 21

22 Sector wise NPAs (Domestic) [ Amt. in Rs. Crore ] Sector As on the QE Sep'15 Mar'16 Sep'16 1 Agriculture & Allied Activities Micro & Small Industries Medium Industries Large Industries Services Retail All Others Total Financials & performance indicators 22

23 Industry wise NPAs (Domestic) [ Amt. in Rs. Crore ] Industry * (top 5 & others) As on the QE Sep'15 Mar'16 Sep'16 1 Iron & Steel Power Generation Textiles Roads Real Estate All Others Total Financials & performance indicators 23

24 Performance towards Financial Inclusion Initiatives During Q2FY17 Cum. as on Villages covered with > 2000 population (a) through Branches through BCs Villages covered with < 2000 population (b) through Branches 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 (in lakh) during the year No. of KCCs extended (In lakh) No. of GCCs extended (In lakh) 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 24

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Movement of business parameters

2 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'17 2015-16 2016-17 209572 201285-3.95