Welcome to Analysts Meet
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1 PERFORMANCE HIGHLIGHTS For the Quarter Ended 30 th JUNE, 2013 Welcome to Analysts Meet 31 st July Mumbai
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3 INDEX Sl. No. Slide Details Slide No. 1 Financial Highlights 4 2 Earnings Cross Section 5 3 Other Income 6 4 Operating Expenses 7 5 Provisions & Contingencies 8 6 Taxation Provisions 9 7 Global & Domestic Business 10 8 High Cost Deposits 11 9 CASA Deposits Domestic Advances Retail Credit Components Gold Loan Performance Power, Telecom, Aviation, Roads & Ports, NBFC NPA, NPA Movement and Restructured Portfolio Investments Ratios Capital Adequacy Branch Network Equity Holdings 30
4 Financial Highlights Particulars (Rs. in Crs.) Growth June, 2012 June, 2013 (%) Interest Income 4,242 4, Interest Expended 2,923 3, Net Interest Income (NII) 1,319 1, Other Income Operating Expenses (4.34) Operating Profit Provisions FY Ended March, 2013 (Rs. Crs.) 17,121 11,667 5,454 1,174 3,179 3,449 1,445 Net Profit ,004
5 Particulars INCOME Interest on Advances (Rs. in Crs.) Growth % FY Ended June, 2012 June, 2013 March, 2013 (Rs. Crs.) 3,323 3, ,525 Interest on Investments ,231 Interest on Call Money Lending / Repo Interest on IT Refund (72.00) 78 Net Profit on Sale of Investments Other Income (1.88) 1,049 TOTAL INCOME 4,478 4, ,295 EXPENDITURE Interest Expended 2,923 3, ,667 Staff Expenses (9.48) 2,179 Other Operating Expenses ,000 TOTAL EXPENSES 3,637 3, ,846
6 Other Income (Quarterly) Particulars As on (Rs. in Crs.) Growth (%) FY Ended June, 2012 June, 2013 March, 2013 (Rs. Crs.) Commission & Brokerage (7.34) 513 Commission on Govt. Business 9 6 (33.33) 34 Sub Total (9.32) 547 Net Profit from FX Transactions Dividend Earned Recovery in w/o A/c.s (25.00) 150 Miscellaneous Income Total (Excl. Trading Profit) (1.42) 1,049 Net Profit on Sale of Investment GRAND TOTAL ,174
7 Operating Expenses(Quarterly) Particulars As on (Rs. in Crs.) June, 2012 June, 2013 Growth (%) FY Ended March, 2013 (Rs. Crs.) Staff Expenses (9.48) 2,179 Rent, Taxes & Lighting Printing & Stationary Advertisement & Publicity Depreciation on Fixed Assets Auditors Fees Law Charges 2 1 (50.00) 7 Postage, Telephone etc Repairs & Maintenance Insurance & Guarantee Fee (62.86) 138 Other Expenditure TOTAL (4.34) 3,178
8 Particulars June, 2012 June, 2013 Rs. in Crores FY Ended March, 2013 Tax (112) 7 (441) NPA ,183 Standard Assets Depreciation on Investments (6) 59 (17) Staff Welfare Expenses Leave Encashment Wage Arrears Others TOTAL ,445
9 Taxation Provisions Provision Made Jun Mar Jun Rs. in Crs. FY Ended March, 2013 Income Tax Domestic Income Tax - London MAT Credit (175) (114) -- (574) Deferred Tax Assets (DTA) (31) 10 (149) (231) Total (112) (57) 7 (441)
10 Global and Domestic Business Particulars Rs. in Crores As At Growth FY Ended March, June, 2012 June, 2013 Amt. % 2013 Global Business 286, ,896 45, ,779 Global Deposits 157, ,513 25, ,356 Global Advances 129, ,383 20, ,423 Domestic Business 257, ,649 26, ,337 Domestic Deposits 145, ,510 17, ,055 Domestic Advances 112, ,139 9, ,282 CASA Deposits 44,262 51,144 6, ,954 Current Deposits 9,987 13,774 3, ,937 Savings Bank 34,275 37,370 3, ,017 Bulk Deposits (DRI+COD) 32,277 25,650 (6,627) (20.53) 29,715 of which DRI Deposits 21,791 19,590 (2,201) (10.10) 18,457
11 HIGH COST DEPOSITS (DRI + CoD) Rs. in Crores Particulars DRI Dep. 21,791 18,457 19,590 DRI Dep. % to Total Dep CoDs 10,486 11,258 6,060 CoDs % to Total Dep Total Bulk Dep. 32,277 29,715 25,650 Bulk Dep. % to Total Dep
12 CASA Deposits - Domestic Jun. 12 FY Ended Mar. 13 Jun. 13 Rs. in Crores CASA 44,228 CASA 51,926 CASA 51,114 CASA (%) CASA (%) CASA (%) 31.45
13 ADVANCES Particulars June, 2012 June, 2013 Growth (%) Rs. in Crores FY Ended March, 2013 Gross Advances Retail Credit 18,610 (14%) MSE Credit 13,843 (11%) Agriculture Credit 17,766 (14%) Credit to Weaker Section 11,272 (9%) MSME Credit 15,077 (12%) Priority Sector Advances 42,336 (%age to ANBC) (41%) Mentioned % To Gross Advances 129, , ,423 20,108 (13%) 15,624 (11%) 20,312 (14%) 12,108 (8%) 16,461 (11%) 47,046 (39%) ,620 (13%) 15,037 (10%) 20,156 (14%) 11,918 (8%) 16,428 (11%) 46,437 (45%)
14 Retail Credit Components Rs. in Crores Particulars June, 2012 June, 2013 Advances Growth (%) Advance Total NPA % to Amt. O/S Advance Total NPA % to Amt. O/s. FY Ended March, 2013 Housing Loans 8, , ,924 Education Loans 2, , ,556 Vehicle Loans 1, , ,176 Personal Loans 4, , (2.11) 4,353 Gold Loans , ,473 Mortgage Loans 1, , (7.48) 969 Others (12.76) 169 Total Retail Credit 18,610 1, ,108 1, ,620
15 Gold Loan Performance The Gold Loans of the Bank have shown remarkable growth during the quarter. Regions from various Geographical areas are sanctioning JLs and the Bank has at present 113 Gold Loan Shoppe. Rs. in Crores Particulars June, 2012 June, 2013 Growth (%) FY Ended March, 2013 Gold Loan - Priority 3,208 5, ,798 Agriculture (Crop) 2,085 3, ,009 Agriculture (Non Crop) SyndSwarna 834 1, ,239 Gold Loan - Non Priority 858 1, ,473 SyndSwarna Express 858 1, ,473 Total Gold Loan 4,066 6, ,271
16 Power, Telecom, Aviation, Roads & Ports, NBFC Rs. in Crores Particulars June, 2012 June, 2013 Variation (%) FY Ended March, 2013 Power State Owned Private Owned Telecom Aviation Roads & Ports NBFC 17,816 18, ,806
17 Non Performing Assets (NPA) Gross NPA 3,077 2,979 3,554 Net NPA 1,185 1,125 1,759 Provision Coverage Ratio (%) Net NPA (%)
18 NPA MOVEMENT Particulars Movement as on (Rs. in Crs.) June, 2012 FY June, 2013 A. Gross NPA at the beginning 3,183 3,183 2,979 B. Less: (i) Upgradation (incl. reduction due to Operations) (ii) Recoveries (iii) Write Offs (incl. Prudential) 337 1, (iv) Decrease due to operation / foreign exchange fluctuation Total (B) 1,164 2, Balance ( C) = (A-B) 2, ,210 Add: Fresh NPA (D) 1,027 2,069 1,304 Others (E) Gross NPA at the end (C+D+E) 3,077 2,979 3,554
19 Restructured Portfolio Under Amount Rs. in Crores As on June, 2012 (Cumulative) As on June, 2013 (Cumulative) As on March, 2013 (Cumulative) Standard Assets Sub-Standard Assets Doubtful Assets Loss Assets Total Amount outstanding 7,786 8,652 8,189 Sacrifice (diminution in the fair value) Amount outstanding Sacrifice (diminution in the fair value) Amount outstanding Sacrifice (diminution in the fair value) Amount outstanding Sacrifice (diminution in the fair value) Amount outstanding 8,302 9,657 9,126 Sacrifice (diminution in the fair value)
20 RESTRUCTURED ADVANCES Rs. in Crores Particulars June, 2012 During the Quarter March, 2013 June, 2013 FY Ended March, 2013 Restructured Advances 1, ,648
21 Investment Portfolio (Gross) Rs. in Crores ,941 42,935 45,694 46,094 40,185 40, ,994 5,509 5, Jun-12 March 2013 Jun-13 Non SLR SLR Total
22 Investment Category Rs. in Crores Category Composition as on June, 2012 March, 2013 June, 2013 HTM 34,361 37,533 34,676 % to Investment AFS 8,574 7,879 11,369 % to Investment HFT % to Investment Gross Investment 42,935 45,694 46,094 Deprn. & Provision for NPI Net Investment 42,894 45,648 45,992
23 PERFORMANCE INDICATORS Particulars June 2012 (%) FY Ended March 2013 (%) June 2013 (%) Return on Assets Net Interest Margin (NIM) Return on Equity Yield on Advances Cost of Deposits Business Per Employee (Rs. Crs.) Profit Per Employee (Rs. Lakhs) CD Ratio
24 COST & YIELD (%) Jun Jun Cost of Funds Mar Yield on Investments Jun Mar Jun
25 Cost to Income Ratio Quarterly Yearly (FY ) June - 12 June
26 Capital Adequacy Rs. in Crs. Particulars June, 2012 June, 2013 Net Worth 8,403 9,599 Risk Weighted Assets 101, ,011 Total Capital Funds 11,836 13,603 Tier I Capital 8,719 9,643 Tier II Capital 3,117 3,960 Capital Adequacy Ratio (CRAR) (%) Particulars June, 2012 June, 2013 Under Basel II Tier I Tier II
27 BASEL - III As on Particulars Ratio (%) CRAR (%) Core Capital 7.85 Additional Tier I Capital 0.29 Tier I Capital 8.14 Tier II Capital 3.36
28 DELIVERY MODULES Particulars Jun 12 Mar 13 Jun 13 Branches 2,706 2,934 3,004 ATMs 1,240 1,306 1,341 Manpower 26,306 26,479 27,805
29 Particulars Rural Semi Urban Urban Metro / Port Town Jun. 12 Jun. 13 Jun. 12 Jun. 13 Jun. 12 Jun. 13 Jun. 12 Jun. 13 Number Share (%) In addition, the Bank has 71 Satellite Offices and 960 Ultra Small Branches as at 30 th June, Over 57% of the Bank s Branches are located in Rural & Semi-Urban areas Jun-12 Sep-12 Dec-12 Mar-13 Jun-13
30 EQUITY HOLDINGS Govt. of India 66.17% as on Particulars Amt. (Rs.) Earnings Per Share Book Value Per Share Return on Equity No. of Shares (in Crs.) Share Capital (Rs. Crs.) Others 9.77% Insurance Cos % Top Holdings FIIs 6.46% Bodies Corporate 2.26% Mutual Fund & UTI 0.62% Banks & FIs 0.19% Govt. of India 66.17% LIC of India 10.90% HDFC Standard Life Insurance Company Ltd. 3.09%
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