HIGHLIGHTS OF WORKING RESULTS
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- Juliana Cole
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2 HIGHLIGHTS OF WORKING RESULTS 2 Business Global Business at ` 4,67,626 Crore Savings Deposits grew by 23% (Y-o-Y) Income Non - Interest Income increased by 38% (Y-o-Y) Profit Advances Consistent and sustained growth every quarter on account of operational efficiency and flexibility R A M (Retail, Agriculture and MSME) grew by 3% Priority Sector Credit grew by 5% (Y-o-Y) Capital CRAR (Basel III) at 12.03% Margin Domestic NIM : 2.70% Global NIM : 2.37%
3 HIGHLIGHTS OF WORKING RESULTS Sustained Quarterly Performance 3 Operating Profit 1,514 Net Profit , Mar.' 16 Jun.' 16 Sep.' 16 Dec.' 16 Mar.' 17 (2,158) Mar.' 16 Jun.' 16 Sep.' 16 Dec.' 16 Mar.' 17 Net Interest Income (NII) 1,462 1,479 1,545 1,391 1,861 NIM Mar.' 16 Jun.' 16 Sep.' 16 Dec.' 16 Mar.' Jun., 16 Sep., 16 Dec., Domestic Global
4 Domestic Global Business Position 4 4,68,185 4,65,886 4,67,626 2,61,736 2,70,795 2,60,561 2,06,449 1,95,091 2,07,065 Dec., 4,03,314 4,16,273 4,05,920 2,35,162 2,50,586 2,34,543 1,68,152 1,65,687 1,71,377 Business Deposits Advances
5 Business Cross Section 5 Particulars As At Y-o-Y Growth Dec., Amt. % Global Business 4,68,185 4,65,886 4,67,626 (559) - Global Deposits 2,61,736 2,70,795 2,60,561 (1,175) - Global Advances 2,06,449 1,95,091 2,07, Domestic Business 4,03,314 4,16,273 4,05,920 2,606 1 Domestic Deposits 2,35,162 2,50,586 2,34,543 (619) - Domestic Advances 1,68,152 1,65,687 1,71,377 3,225 2 CASA Deposits (Global) 67,979 77,722 75,865 7, Current Deposits 15,930 11,437 11,608 (4,322) (27) Savings Bank 52,049 66,285 64,257 12, Bulk Deposits (DRI+COD) 23,450 8,601 2,183 (21,267) (91) of which DRI Deposits 17,498 8,601 2,183 (15,315) (88)
6 CASA & Bulk Deposits-Global 77,722 75, ,979 66,285 64,257 52,049 23,450 15,930 11,437 11,608 8,601 2,183 Total CASA Current Savings Bulk Deposits (DRI + COD) Dec.,
7 CASA Deposits - Domestic 7 March, 67, % Dec., 77, % 75, %
8 Average Business Details 8 Particulars As At Y-o-Y Growth Dec., Amt. % Global Business 4,55,810 4,65,317 4,65,072 9,262 4 Global Deposits 2,55,105 2,63,055 2,63,026 7,921 4 Global Advances 2,00,705 2,02,262 2,02,046 1,341 - Domestic Business 3,83,066 4,05,355 4,04,936 21, Domestic Deposits 2,24,261 2,39,405 2,38,894 14,633 9 Domestic Advances 1,58,805 1,65,950 1,66,042 7, CASA Deposits (Global) 60,204 63,406 66,693 6, Current Deposits 13,069 11,197 11,039 (2,030) (4) Savings Bank 47,135 52,209 55,654 8,519 18
9 High Cost Deposits (DRI + COD) Particulars March, Dec., Global Deposits 2,61,736 2,70,795 2,60,561 9 DRI Deposit 17,498 8,601 2,183 DRI Deposit to Global Deposits (%) 6.69% 3.18% 0.84% CODs 5, CODs to Global Deposits (%) 2.27% - - Total Bulk Deposits 23,450 8,601 2,183 Bulk Deposits to Global Deposits (%) 8.96% 3.18% 0.84%
10 Particulars March, Dec., Domestic Advances 10 Y-o-Y Growth Growth over Dec., Amt % Amt % Domestic Advances (Gross) 1,68,152 1,65,687 1,71,377 3, ,690 3 R etail Credit 26,529 (16%) 27,281 (16%) 27,664 (16%) 1, A griculture Credit 29,899 (18%) 29,734 (18%) 31,878 (19%) 1, ,144 7 M SME Credit 27,677 (16%) 26,456 (16%) 26,981 (16%) (696) (3) Total R A M 84,105 (50%) 83,471 (50%) 86,523 (50%) 2, ,052 4 % age expressed on Gross Domestic Advances
11 Domestic Advances 11 Retail Credit 26,529 27,221 27,281 27,664 27,677 27,512 MSME Credit 26,456 26, Sep., 16 Dec., Sep., 16 Dec., Agriculture Credit Total Priority Sector 31,878 65,945 67,905 29,899 28,186 29,734 63,838 64, Sep., 16 Dec., Sep., 16 Dec., 16 17
12 Priority Sector Credit 12 Particulars March, * as % age to Priority Sector Advance Dec., Y.O.Y Growth Amount % % age to ANBC Level Mandatory Requirement Priority Sector Advances 65,945 64,198 67,905 1, Agriculture 29,899 29,734 31,878 1, Direct Agriculture 27,723 28,309 31,082 3, Indirect Agriculture 2,176 1, (1,380) (63) Other Priority Sector 36,046 34,464 36,027 (19) - Micro & Small Enterprises Advances to Weaker Section 24,180 22,725 24, ,012 21,899 21,144 3, Advances to Minority 10,205 10,565 10, * Advances to Women 14,342 15,605 15,712 1, ANBC Level 1,62,086 1,63,215 1,69,611 7,525 5
13 Retail Credit Components Particulars Dec., Growth Y.O.Y Growth over Dec., Amount % Amount % 13 Housing Loans 14,174 14,869 14, Education Loans 2,858 2,976 2, (83) (3) Vehicle Loans 2,767 2,928 3, Personal Loans 3,654 3,635 3,445 (209) (6) (190) (5) Gold Loans - Non Priority (156) (17) (3) - Mortgage Loans 2,134 2,084 2, Total Retail Credit 26,529 27,281 27,664 1,
14 Retail Credit Components 14 14,174 Housing Loans 14,789 14,869 14,981 2,767 Vehicle Loans 2,837 2,928 3, Sep., 16 Dec., Sep., 16 Dec., Education Loans 2,968 2,976 2,893 2,858 Mortagage Loans Other Retail Advances 3,654 3,444 3,635 3,445 Gold Loan (Non Priority) 2,134 2,331 2,084 2, Sep., 16 Dec., Sep., 16 Dec., Sep., 16 Dec., 16 17
15 Industry/Infra and NBFC Exposure Particulars (Global) % age expressed on Gross Global Advances Dec., NPA LEVEL (Mar, ) Y-o-Y growth Amt % Iron & Steel ,230 8,977 5,285 (109) (1) Cement Textiles ,741 2, Aviation- Services , Total (a) 13,509 13,726 13,712 6, Power 16,653 15,795 15, (1,565) (9) State Owned 10,223 9,574 8,832 - (1,391) (14) Private Owned 6,430 6,221 6, (174) (3) Roads & Ports 3,849 3,978 4, Aviation (135) (44) Telecom 4,511 3,087 2, (1,658) (37) Infrastructure (b) 25,321 23,036 22,396 (12%) (12%) (11%) 1,281 (2,925) (12) NBFC (c) 23,113 19,384 20,297 (11%) (10%) (10%) - (2,816) (12) TOTAL(a+b+c) 61,943 56,146 56,405 7,364 (5,538) (9) 15
16 Restructured Advances 16 CDR Dec., No.: of Accounts Amount () 2,732 2,120 1,842 Non - CDR Dec., No.: of Accounts 1,01,592 1,14,972 1,09,634 Amount () 6,439 5,991 5,411 TOTAL Dec., No.: of Accounts 1,01,625 1,14,993 1,09,657 Amount () 9,171 8,111 7,253
17 Restructured Accounts Particulars As On Y-o-Y Change over Dec, Dec., Increase/ (Decrease) 17 Corporate 1,728 1,160 1,004 (724) (156) Agriculture 992 1,563 1, MSME (65) (2) Power 2,889 2,041 1,553 (1,336) (488) DISCOMS 2,104 1, (1,396) (540) Others Retail (4) (4) Total Restructured (STD)Advances Total Restructured (NPA)Advances Total Restructured Advances 5,754 4,846 4,292 (1,462) (554) 3,417 3,265 2,961 (456) (304) 9,171 8,111 7,253 (1,918) (858)
18 Restructured Advances Quarterly F.Y Ended Particulars Dec., 18 Restructured Advances(Fresh) Slippage to NPA from RA , Movement of Restructured STD Advances during the Quarter Quarterly F.Y Ended Particulars Sep., Dec., Stressed Asset Ratio Restructured (STD) Ratio Gross NPA Ratio Dec., Opening Balance 7,838 5,356 4,846 9,097 5,754 Fresh Restructuring Increase in Existing A/c/ Upgradation From NPA , Slipped to NPA (640) (276) (30) (1,236) (664) Upgraded/closed/Exited/PWO Recovery /Decrease in O/s (2,611) (412) (753) (3,980) (1,992) Closing Balance 5,754 4,846 4,292 5,754 4,292
19 NPA Details 13,832 Gross NPA 16,057 16,948 17, Mar, Sep, Dec, Mar, 10,163 Net NPA 10,608 10,411 9,015 Mar, Sep, Dec, Mar,
20 NPA and Provision Coverage Ratio Yearly Movement Values in % Quarterly Movement Gross NPA % Net NPA % Provision Coverage Ratio (PCR) Sep., Dec., Gross NPA % Net NPA % Provision Coverage Ratio (PCR) Jun., Sep., Dec.,
21 NPA Movement (Quarterly) Quarterly Particulars Dec., A. Gross NPA at the Beginning 9,603 16,057 16,948 B. Deduction: (i) Upgradation & Decrease due to Operations (ii) Recoveries (iii) Write off (incl. Prudential) TOTAL 1, ,208 C. Additions: (i) Fresh NPA 5,888 1, (ii) Increase due to operations (iii)increase due to Diff in FX Exch TOTAL 5,925 1,855 1,869 Gross NPA at the End (A-B+C) 13,832 16,948 17,609 21
22 NPA Movement (Yearly) Yearly Particulars A. Gross NPA at the Beginning 6,442 13,832 B. Deduction: (i) Upgradation & Decrease due to Operations 2,120 1,590 (ii) Recoveries 1,260 1,500 (iii) Write off (incl. Prudential) 1,430 1,271 TOTAL 4,810 4,361 C. Additions: (i) Fresh NPA 12,028 7,370 (ii) Increase due to operations (iii)increase due to Diff in FX Exch TOTAL 12,200 8,138 Gross NPA at the End (A-B+C) 13,832 17,609 22
23 NPA Sector Wise-Domestic (As on Date) 23 Particulars Sep., Dec., I. AGRICULTURE 1,536 2,062 2,107 2,246 II. INDUSTRIES 7,453 8,126 8,751 9,165 III. SERVICES 1,439 2,136 2,210 2,491 IV. RETAIL 1,546 1,817 1,939 1,760 TOTAL 11,974 14,141 15,007 15,662 PRIORITY SECTOR 3,382 4,662 4,787 5,042 NON PRIORITY SECTOR 8,592 9,479 10,220 10,620 TOTAL NPA S 11,974 14,141 15,007 15,662
24 Profitability Ratios 4,007 Operating Profit 3,111 4,233 Yearly Performance Net Profit , Net Interest Income (NII) 6,276 5,985 5, Operating Profit 1, ,514 (1,643) Quarterly Performance Net Profit Mar.' 16 Jun.' 16 Sep.' 16 Dec.' 16 Mar.' Net Interest Income (NII) 1,861 1,462 1,479 1,545 1,391 Mar.' 16 Jun.' 16 Sep.' 16 Dec.' 16 Mar.' 17 (2158) Mar.' 16 Jun.' 16 Sep.' 16 Dec.' 16 Mar.' 17
25 FINANCIAL HIGHLIGHTS - Quarterly Particulars Dec., Y-o-Y Variation(%) Change over Dec, (%) 25 Interest Income 5,682 5,568 5, Interest Expended ,177 3,927 (7) (6) Net Interest Income (NII) 1,462 1,391 1, Other Income , Operating Expenses * ,449 1,472 (33) 2 Operating Profit ,514 1, Provisions 2, ,410 (38) 69 Net Profit (2,158) * Includes Exceptional Items in respect of provision created in respect of Fraud Accounts identified during the March -16 quarter
26 INTEREST ANALYSIS - Quarterly Particulars Dec., Y-o-Y Variation (%) Change over Dec, (%) Interest Income on Advances 4,249 4,027 4,165 (2) 3 Interest Income on Investments 1,350 1,335 1,335 (1) - Interest on Call Money Lending / Repo TOTAL INTEREST INCOME 5,682 5,568 5, Interest Paid on Deposits 3,831 3,848 3,600 (6) (6) Interest on Bonds Other Interest Expenditure (46) (1) TOTAL INTEREST EXPENDITURE 4,220 4,177 3,927 (7) (6) Net Interest Income (NII) 1,462 1,391 1,
27 OTHER INCOME Quarterly Particulars Commission & Brokerage Net Profit from FX Transactions Recovery in Written Off A/c s Dec., Y-o-Y Variation (%) Change over Dec, (%) (42) (50) Miscellaneous Income Total (Excl. Trading Profit) Net Profit on Sale of Investments (17) 27 GRAND TOTAL
28 Operating Expenditure - Quarterly Particulars Dec., Y-o-Y Variation (%) Change over Dec, (%) Staff Expenses 848 1,001 1, Rent, Taxes & Lighting Printing & Stationary Advertisement & Publicity (8) - Depreciation on Fixed Assets (23) Postage, Telephone etc i) Lease Line Rent ii) Others(telephone,postage) Repairs & Maintenance (24) 7 i)computer maint.& software (29) 9 ii)other repairs Insurance & Guarantee Fee Other Expenditure* (81) 3 TOTAL 2,202 1,449 1,472 (33) 2 * Includes Exceptional Items in respect of provision created in respect of Fraud Accounts identified during the March -16 quarter
29 Provisions & Contingencies Quarterly Particulars Dec., Y-o-Y Variation (%) Change over Dec, (%) 29 Provision for NPA 1, (35) 52 Bad Debts Written Off Provision for Tax/Deferred Tax (121) (217) 184 Standard Assets 348 (78) (28) (108) 64 Restructured Assets (46) (51) (23) (50) (55) Depreciation on Investments (86) (72) Staff Welfare Fund Others (73) (19) TOTAL 2, ,410 (38) 69
30 FINANCIAL HIGHLIGHTS Yearly 30 Particulars Y-o-Y Change Variation (%) Interest Income 23,198 23,004 (194) (1) Interest Expended 17,213 16,728 (485) (3) Net Interest Income (NII) 5,985 6, Other Income 2,509 3, Operating Expenses* 5,383 5, Operating Profit 3,111 4,233 1, Provisions 4,754 3,874 (880) (19) Net Profit (1,643) 359 2, *Exceptional Items include provision created in respect of Fraud Accounts identified during the March 16 quarter
31 Interest Analysis & Other Income Yearly Particulars Y-o-Y Change Variation (%) Interest Income on Advances 17,319 16,856 (463) (3) Interest Income on Investments 5,285 5, Other Interest Income TOTAL INTEREST INCOME 23,198 23,004 (194) (1) Interest Paid on Deposits 15,996 15,406 (590) (4) Interest on Bonds Other Interest Expenditure (152) (20) TOTAL INTEREST EXPENDITURE 17,213 16,728 (485) (3) Net Interest Income (NII) 5,985 6, Commission & Brokerage Net Profit from FX Transactions Recovery in Written Off A/cs (11) (3) Miscellaneous Income Total (Excl. Trading Profit) 1,611 1, Net Profit on Sale of Investments 898 1, Other Income 2,509 3,
32 Operating Expenditure Yearly 32 Particulars Y-o-Y Change Variation (%) Staff Expenses 2,932 3, Rent, Taxes & Lighting Printing & Stationary Advertisement & Publicity (1) (3) Depreciation on Fixed Assets (62) (31) Postage, Telephone etc i) Lease Line Rent ii) Others Repairs & Maintenance (6) (5) i)computer/software (5) (5) ii)others (1) (7) Insurance & Guarantee Fee Other Expenditure 1, (745) (49) TOTAL 5,383 5,
33 Provisions & Contingencies Yearly 33 Particulars Y-o-Y Change Variation (%) Provision for NPA 3,638 3,545 (93) (3) Bad Debts Written Off Provision for Tax/Deferred Tax (329) (53) Standard Assets 410 (190) (600) (146) Restructured Assets (341) (179) Depreciation on Investments (49) (22) Staff Welfare Fund Others (37) (38) TOTAL 4,754 3,874 (880) (19)
34 London Branch Performance Particulars Dec., Growth % Y-o-Y Change over Dec, 34 Business 64,871 49,613 61,706 (5) 24 Advances 38,297 29,404 35,687 (7) 21 Deposits 26,574 20,209 26,018 (2) 29 Gross NPA 1,858 1,941 1, Net NPA 1,140 1, (13) (5) Gross NPA (%) 4.85% 6.60% 5.46 Net NPA (%) 3.03% 3.66% 2.85
35 London Branch Performance-Yearly 35 Particulars March, Y-o-Y Change Variation (%) Net Interest Income (33) (34) Operating Profit Net Profit (324) (157) Yield on Advances (%) Cost of Deposits (%) Yield on Funds (%) Cost of Funds (%) Return on Assets (%) (0.76) (0.42) NIM (%)
36 Investment Category - Global Category Composition As At Sep., Dec., HTM 50,783 45,702 55,747 49,123 % to Investment 73.53% 66.64% 72.54% 74.34% AFS 18,203 22,814 21,062 16,915 % to Investment 26.36% 33.26% 27.41% 25.60% HFT % to Investment 0.11% 0.10% 0.06% 0.06% Gross Investment 69,061 68,583 76,852 66,080 Depreciation & Provision for NPI Net Investment 68,622 68,068 76,262 65,465 Net Profit on Sale of Investments (Quarterly)
37 KEY PARAMETERS Quarterly (Domestic) Parameters Sep., Dec., Values in % Cost of Deposits Yield on Advances Cost of Funds Yield on Funds Return on Assets (2.57) Yield on Investments Net Interest Margin (NIM)
38 KEY PARAMETERS Quarterly (Global) Values in % 38 Parameters Sep., Dec., Cost of Deposits Yield on Advances Cost of Funds Yield on Funds Return on Assets (2.89) Yield on Investments Net Interest Margin (NIM)
39 KEY PARAMETERS Yearly(Domestic) Parameters (12M) Sept., (6M) Dec., (9M) Values in % (12M) Cost of Deposits Yield on Advances Cost of Funds Yield on Funds Return on Assets (0.53) Yield on Investments Net Interest Margin (NIM)
40 KEY PARAMETERS Yearly(Global) Parameters (FY) Sept., (6M) Dec., (9M) Values in % (12M) Cost of Deposits Yield on Advances Cost of Funds Yield on Funds Return on Assets (0.56) Yield on Investments Net Interest Margin (NIM)
41 Key Ratios Net Interest Margin (NIM) (in %) Yearly Movement of N I M (Global) Quarterly Movement of N I M Domestic Global Values in % Yearly Movement of Cost to Income Ratio Dec., Yearly Movement of Employee Cost
42 Capital Business Adequacy Position Ratios - Basel III 42 Net worth Particulars () Regulatory Total Capital () Risk Weighted Assets () Sep., Dec., 11,409* 12,347 12,440 12,392 19,314 20,375 21,348 21,347 1,73,071 1,79,581 1,73,204 1,77,481 Common Equity Tier I 7.01% 7.19% 7.46% 7.50% Additional Tier I 0.74% 1.23% 1.86% 1.76% Tier I 7.75% 8.42% 9.32% 9.26% Tier II 3.41% 2.93% 3.01% 2.77% CRAR 11.16% 11.35% 12.33% 12.03% *Includes Share Application money of Rs 740 Cr from Govt. of India, pending allotment as on (Allotted on )
43 EQUITY Business VALUE Position Earnings Per Share (Annualised) (24.82) EQUITY HOLDING PATTERN As on Govt. of India 72.92% 43 Book Value Per Share Others 9.67% FIIs & FPIs 4.07% Bodies Corporate 1.23% Insurance Cos % Banks & FIs 0.15% Mutual Fund & UTI 0.30%
44 EQUITY Business VALUE Position 44 Particulars Sep., Dec., Earnings Per Share (`) (24.82) Book Value Per Share (`) Return on Equity (%) (14.44) No. of Shares ( in Crs.) Share Capital (` in Crs.) Market Capitalisation (` in Crs.) 4, , ,
45 BRANCH NETWORK Villages covered under FI Scheme 6,950 Satellite Offices Branches opened during Q4 (-17) 64 Branches opened during Q4 ( ) Metro Urban 813 1,030 Semi-Urban 1,091 1,231 Rural 1,190
46 Alternate Business Delivery Position Channels 46 Internet Banking : Lakhs (11.05) customers ATMs 3,974 (3,843) Mobile Banking : 8.33 Lakhs (5.67) customers SMS Banking : Lakhs (31.87) customers Figures in bracket represents as on
47 47
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