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1
2 Business Mix Sl. No. Parameters Mar'15 Sep'15 Variation Q-o-Q Y-o-Y over Sep'15 over Amt. (%) Amt. (%) 1 Business Deposit Advances CD Ratio
3 Sl. No. Parameters Mar'15 Sep'15 Deposits Variation Q-o-Q Y-o-Y over Sep'15 over Amt. (%) Amt. (%) 1 Total Deposit Aggregate Deposit CD a CD % to total dep Core Deposit Core Dep. in Total Deposit (4/1) SB Deposit Current Deposit CASA Deposit CASA Share in Agg. Deposit (%) Term Deposit
4 Advances Mix Variation Sl. Q-o-Q Y-o-Y Parameters Mar'15 Sep'15 No. over Sep'15 over Amt. (%) Amt. (%) 1 Total Advances a Food Credit b Non-Food Gross Bank Credit Of Which (i) Priority Sector Credit Agriculture & Allied (ii) Actvities (iii) MSME (iv) Retail Credit excl. LRD (v) Retail Credit incl. LRD, of which a Housing b Loan against Mortgage of property c Education Loans d Trade Loans e Commercial Vehicle f AllBank Gold Loan g Other Retail Loans
5 Industry-wise Deployment of Credit Sl. No. Deployment of credit in major industries Amt. % of total advances Amt. % of total advances 1 Mining & Quarrying Food Processing Textiles Chemical & Chemical Products Cement & Cement Products Basic Metal & Metal products a Iron & Steel All Engineering Products Gems & Jewellery Construction Infrastructure a Power b Tele-communication c Road & Ports d Other Infra
6 Sl. No. Parameters Mar'15 Sep'15 Investment Variation Q-o-Q Y-o-Y over Sep'15 over Amt. (%) Amt. (%) 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 (%)
7
8 Sl. Parameters Sep'15 Q-o-Q over Sep'15 Variation Profit Y-o-Y over Amt. (%) Amt. (%) 1 Interest Income Interest Expenses NII (Spread) (1-2) Non-Interest Income Operating Expenses Contribution (4-5) Operating Profit (3+6) Provisions Net Profit
9 Sl. Break-up : Income Amt. (%) Amt. (%) 1 Interest on Advances Interest on Investments Other Interest Income Interest Income (1+2+3) Fee Based Income Trading Profit Other Income Parameters Non-Interest Income (5+6+7) Sep'15 Q-o-Q over Sep'15 Variation Y-o-Y over Total Income (4+8)
10 Sl. No. Particulars Fee Based Income Variation Q-o-Q Y-o-Y over Sep'15 over Amt. (%) Amt. (%) 1 Bills/LC/BG Locker Rent Processing Fees Sep' Exchange Others Total
11 Sl. No. Parameters 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) Sep'15 Break up : Expenditure Variation Q-o-Q Y-o-Y over Sep'15 over Amt. (%) Amt. (%) Total Expenses (3+6)
12 Sl. 1 Parameters NPA as at the beginning of the./year Quarterly NPA Movement Jun'15 Sep' Cash Recovery Incl. Compromise Upgradation Prudential Write Off done in the./year Sale of Assets to ARC Total Reduction Fresh Addition for the./year NPA as at the end of the./year Provisions for Bad Debts Net NPAs Recovery in written-off debt A/Cs Intt. Received/derecognised Intt Total NPA Reduction/ Recovery in NPA including written-off debt A/Cs
13 NPA Ratios Sl. Parameters Mar'15 Sep'15 1 Total Advances GNPA 3 NNPA Amount (Rs. crore) Ratio Amount (Rs. crore) Ratio Provision Coverage Ratio (%)
14 Provisions Variation Sl. No. Parameters Sep'15 Q-o-Q over Sep'15 Y-o-Y over Amt. (%) Amt. (%) 1 NPA Standard Advance Depre. on Investment Income Tax Fraud & Forgery Provision for IRS Provision for diminuition in fair value Provision for FITL Intangible/ Other Assets Total Provision
15 Cost & Yield Ratios Sl. Parameters Sep'15 1 Cost of Deposit (%) Cost of Borrowings (%) Cost of Funds (%) Yield on Advances (%) Yield on Investment (%) Yield on Funds (%) Net Interest Margin (%)
16 Quarterly Trend of Net Interest Margin Dec'13 Mar'14 Jun'14 Sep'14 Mar'15 Jun'15 Sep'15 16
17 Profitability Ratios Sl. 1 Parameters Return on Assets (%) (Annualised) Sep' Return on Networth (%) Operating Profit to AWF (%) Cost to Income Ratio (%) Estab. Exp. to Total Exp. (%) Operating Exp. to AWF (%) Book Value Per Share (Rs) Earnings per share (Rs) (Non-annualised)
18
19 Sl. Amt. (%) Profit 1 Interest Income Interest Expenses NII (Spread) (1-2) Non-Interest Income Operating Expenses Contribution (4-5) Parameters Operating Profit (3+6) 9M FY15 9M Variation Y-o-Y over Provisions Net Profit
20 Break-up : Income Sl. Parameters FY15 9M 9M Variation Y-o-Y over 1 Interest on Advances Interest on Investments Other Interest Income Interest Income (1+2+3) Fee Based Income Trading Profit Other Income Non-Interest Income (5+6+7) Total Income (4+8)
21 Sl. No. Particulars Fee Based Income Amt. (%) 1 Bills/LC/BG Locker Rent Processing Fees 9M FY15 9M Variation Y-o-Y over Exchange Others Total
22 Sl. No. Interest Paid on 1 Deposits Interest Paid on 2 Borrowings Total Interest Paid 3 (1+2) 4 Establishment Expenses 5 6 Parameters Other Operating Expenses Operating Expenses (4+5) 9M FY15 Break up : Expenditure 9M Variation Y-o-Y over Amt. (%) Total Expenses (3+6)
23 Sl. 1 Parameters NPA as at the beginning of the./year 9M NPA Movement FY15 9M Cash Recovery Incl. Compromise Upgradation Write Off done in the./year Sale of Assets to ARC Total Reduction Fresh Addition for the./year NPA as at the end of the./year Provisions for Bad Debts Net NPAs Recovery in written-off debt A/Cs Intt. Received/derecognised Intt. Recovery in NPA including writtenoff debt A/Cs
24 Provisions Sl. No. Parameters 9M FY15 9M Variation Y-o-Y over Amt. (%) 1 NPA Standard Advance Depre. on Investment Income Tax Fraud & Forgery Provision for IRS Provision for diminuition in fair value Provision for FITL Intangible/ Other Assets Total Provision
25 Cost & Yield Ratios Sl. Parameters 9M FY15 9M 1 Cost of Deposit (%) Cost of Borrowings (%) Cost of Funds (%) Yield on Advances (%) Yield on Investment (%) Yield on Funds (%) Net Interest Margin (%)
26 Profitability Ratios Sl. 1 Parameters Return on Assets (%) (Annualised) 9M FY15 9M Return on Networth (%) Operating Profit to AWF (%) Cost to Income Ratio (%) Estab. Exp. to Total Exp. (%) Operating Exp. to AWF (%) Book Value Per Share (Rs) Earnings per share (Rs) (Non-annualised)
27 Ratios : Productivity & Market Share Sl. Parameters Sep'15 1 Deposit Market Share (%) * Credit Market Share (%) * Business Per Branch (Rs. Cr.) Business Per Employee (Rs. Cr.) Profit/Loss per Employee (Rs. Lac) (Annualised) * Bank's share to SCBs Agg. Deposits & Credit as on (Last reporting Friday of ) 27
28 Restructured Accounts Sl. Particulars No./ Amt. Under CDR SME Debt Others Total 1 Standard Advances % to Gross Credit No Amt
29 Sl. Particulars Restructured Accounts Under CDR Other than CDR Total Restructuring No. Amt No. Amt No. Amt 1 Below Rs. 1 Crore Crore & above Total Out of which upto FY Out of which in FY Out of which in FY Q1FY Q2FY Q3FY
30 Major Sectors in Restructured Accounts (Std.) Sl. No. Sector Amount 1 Infrastructure, 5851 of which a. Power 3880 b. Aviation 374 c. Road 456 d. Infra- Others Iron & Steel Textiles Engineering Sugar
31 Capital Adequacy Ratio- Basel III Sl. CRAR (under Basel-III): Regulatory Capital 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 Domestic Branch Network URBAN 21% METRO 17% SEMI- URBAN 22% RURAL 40% Branches 3183 Rural: 1283 Semi-urban: 716 Urban: 654 Metro: Branches Opened (Q3FY16) Rural: 15 Semi-urban: 8 Urban: 4 Metro: 2 Total: 29 FY'13 FY14 FY15 Q1FY16 Q2FY16 Q3FY16 32
33 Shareholding Pattern (As on ) Others 1.92% FIIs 3.43% Res. Indians 13.16% Indian IIs/MFs 18.76% GoI 62.73% 33
34 Guidance Business Target for March 2016 Business Deposit Advances Rs. 3,85,000 crore Rs. 2,13,000 crore Rs. 1,72,000 crore 34
35 Thank You
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
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