Domestic Branch Network

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Joseph McDonald
6 years ago
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1500 Branches 2415 2259 2286 2716 2516 FY'09 FY'10 FY'11 FY'12 FY'13

2 Domestic Branch Network RURAL SEMI-URBAN URBAN METRO 20% 19% 20% 41% Branches 2716 Rural-1105 S-Urban-553 Urban-551 Metro Branches FY'09 FY'10 FY'11 FY'12 FY'13 Branches opened (12 months) Rural-72 Semi Urban-60 Urban-34 Metro-34 Total-200

3 Shareholding Pattern (As on ) 9.74% 10.81% Shareholding Pattern 2.70% GoI Indian FIIs/MFs FIIs Res. Indians Others 55.24% 21.51%

4 Business Sl. Parameters Mar'11 Mar'12 Mar'13 Variation Amt. (%) Amt. (%) 1 Total Business Total Deposit Total Advances Credit Deposit Ratio (%)

5 Deposit Sl. Parameters Mar'11 Mar'12 Mar'13 Variation Amt. (%) Amt. (%) 1 Total Deposit Aggregate Deposit CD a CD % to total dep Core Deposit Core Dep. in Total Dep. (4/1) SB Deposit Current Deposit CASA Deposit CASA Share in Agg. Deposit (%) Retail Term Deposit

6 Advance Sl. Parameters Mar'11 Mar'12 Mar'13 Variation Amt. (%) Amt. (%) 1 Total Advances a Food Credit b Non-Food Gross Bank Credit Of Which (1) Priority Sector Credit (2) Agriculture & Allied Actvities (3) MSE (4) MSME (5) Retail Credit, of which Housing/ Mortgage Loans Personal Loans Education Loans Trade Loans Commercial Vehicle Other Retail Loans

7 Industry-wise Deployement Sl. No. Major Industry wise Deployment Amt. Mar'11 % of total advances Amt. Mar'12 % of total advances Amt. Mar'13 % of total advances 1 Minning & Quarrying Food Processing Textiles Chemical & Chemical Products a Cement & Cement Products Basic Metal & Metal products a Iron & Steel Engineering Products Infrastructure a Power b Tele-communication Industry (Small, Medium & large) Others Total Advances

8 PSC Sub-Sector Mar'11 Mar'12 Mar'13 Variation Amt. (%) Amt. (%) Direct Agriculture Indirect Agriculture Total Agriculture % to ANBC Micro & Small Enterprise Total PSC % to ANBC Medium Enterprise Total MSME Weaker Section % to ANBC Women Beneficiaries % to ANBC

9 Investment Sl. Parameters Mar'11 Mar'12 Mar'13 Variation 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 (%)

10 Quarterly Financial Results Q4 FY

11 Profit Sl. Parameters Q4' FY 12 Q4' FY 13 Variation Q4'13 over Q4'12 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

12 Break-up : Income Sl. Parameters Q4' FY 12 Q4' FY 13 Variation Q4'13 over Q4'12 Amt. (%) 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)

13 Fee Based Income Sl. Parameters Q4' FY 12 Q4' FY 13 Variation Q4'13 over Q4'12 Amt. (%) 1 Bills/LC/BG Locker Rent Processing Fees Exchange Others Total

14 Sl. Parameters Break up : Expenditure Q4' FY 12 Q4' FY 13 Variation Q4'13 over Q4'12 Amt. (%) 1 Interest Paid on Deposits Interest Paid on Borrowings Total Interest Paid (1+2) Establishment Expenses Other Operating Expenses Operating Expenses (4+5) Total Expenses (3+6)

15 Quarterly NPA Movement FY Sl. Parameters Jun'12 Qtr Sep'12 Qtr Dec'12 Qtr Mar'13 Qtr 1 NPA as at the beginning of Qtr Cash Recovery Incl. Compromise Upgradation Write Off done in the Qtr Total Reduction Fresh Addition for the Qtr NPA as at the end of Qtr Provisions for Bad Debts Net NPAs Recovery in written-off debt A/Cs 10 Intt. Received/derecognised Intt. Recovery in NPA including written-off 11 debt A/Cs

16 Provisions Sl. Parameters Q4' FY 12 Q4' FY 13 Variation Q4'13 over Q4'12 Amt. (%) 1 NPA Standard Advance Depre. on Investment Income Tax Others Total Provision

17 Cost & Yield Ratio Sl. Parameters Q4' FY 12 Q4' FY 13 1 Cost of Deposit (%) Cost of Borrowings (%) Cost of Fund (%) Yield on Advances (%) Yield on Investment (%) Yield on Fund (%) Net Interest Margin (%)

18 Profitability Ratios Sl. Parameters Q4' FY 12 Q4' FY 13 1 Return on Assets (%) 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) (Annualised)

19 Yearly Financial Results FY

20 Profit Sl. Parameters Mar'12 Mar'13 Variation 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

21 Break-up : Income Variation Sl. Parameters Mar'12 Mar' Amt. (%) 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)

22 Fee Based Income Sl. Parameters Mar'12 Mar'13 Variation Amt. (%) 1 Bills/LC/BG Locker Rent Processing Fees Exchange Others Total

23 Break up : Expenditure Sl. Parameters Mar'12 Mar'13 Variation Amt. (%) 1 Interest Paid on Deposits Interest Paid on Borrowings Total Interest Paid (1+2) Establishment Expenses Other Operating Expenses Operating Expenses (4+5) Total Expenses (3+6)

24 Movements of NPA Sl. Parameters Mar'12 Mar'13 1 NPA as at the beginning of Year Cash Recovery Incl. Compromise Upgradation Write Off Total Reduction Fresh Addition NPA as at the end of Year Provisions Net NPAs Recovery in written-off debt A/Cs Intt. Received/derecognised Intt. Recovery in NPA including written-off debt A/Cs

25 NPA Ratios Sl. Parameters Mar'12 Mar'13 1 Net NPA (%) Gross NPA (%) Provision Coverage Ratio (%) Recovery Ratio (%) Slippage Ratio (%)

26 Provisions Sl. Parameters Mar'12 Mar'13 Variation Amt. (%) 1 NPA Standard Advance Depre. on Investment Income Tax Others Total Provision

27 Cost & Yield Ratio Sl. Parameters Mar'12 Mar'13 1 Cost of Deposit (%) Cost of Borrowings (%) Cost of Fund (%) Yield on Advances (%) Yield on Investment (%) Yield on Fund (%) Net Interest Margin (%)

28 Profitability Ratios Sl. Parameters Mar'12 Mar'13 1 Return on Assets (%) 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) (Annualised)

29 Restructured Accounts Sl. Particulars No./ Amt. Under CDR SME Debt Others Total Standard Advances Sub-Standard Advances Doubtful Advances No Amt No Amt No Amt Total No Amt

30 Restructured Accounts Sl. Particulars Under CDR Other than CDR Total Restructuring No. Amt. No. Amt. No. Amt. 1 Below Rs. 1 Crore Rs. 1 Crore & above Total Out of which in FY Out of which in FY Out of which in FY Out of which during Mar'13 Qtr Category wise restructured accounts 8a Standard b NPA

31 Sector wise Restructured Accounts Sl. Particulars Mar'12 Mar'13 Slippage to NPA Mar'13 1 Agriculture Housing Real Estate Hotel Trading Industry, of which Aviation Cement Chemical Engineering Food Processing Iron & Steel Paper Pharmaceutical Petrochemicals Sugar Tea Textiles Power Road & Port Other Infra Construction Other Ind.-Mfg Others Total

32 Ratios :Productivity & Market Share Sl. Parameters Mar'11 Mar'12 Mar'13 1 Deposit Market Share (%) Credit Market Share (%) Business Per Branch (Rs. Cr.) Busines Per Employee (Rs. Cr.) Profit per Employee (Rs. Lac)

33 Productivity Trend Mar'10 Mar'11 Mar'12 Mar'13 Business per Branch Business per Employee 2

34 Capital Adequacy Ratio (%) Particulars Mar'11 Mar'12 Mar'13 Capital Fund Tier I Tier II Total (Tier I+II) Risk-weighted Assets Capital Adequacy Ratio (%) Tier I (%) Tier II (%) RWA/ Working Fund (%) Basel III CRAR% 10.55% CET1 7.60% AT1 0.19% T2 2.76%

35 Financial Inclusion Covered all the allotted 2618 villages with population of 2000 & above for providing banking facilities. Three year plan for FI implementation ( ) for population below 2000 in villages allotted to Bank has been finalized. Bank has opened 217 Ultra Small Branches with VPN connectivity to provide all types of banking solutions. Bank has completed the process of allotment of villages to provide the banking service under the project Swabhimaan. Bank has covered all the families in the Bank s Service area villages with one account in each family. The Bank has enrolled 7,61,695 rural population, out of which 5,16,139 SB Accounts has been opened in the FI Implemented villages.

36 Financial Inclusion Out of 43 DBT pilot districts in 1 st phase, Bank is having presence in 33 districts. Bank has issued 4,96,346 number of Smart Cards in which transactions are carried out through BCAs. Bank has 21 RSETIs across different states, actively imparting skill development training to the rural youth. Bank has 13 FLCCs in the states of U.P. W.B. & M.P. covering the bank s lead districts to impart financial literacy awareness among the rural people. In the 2 nd phase of UIDAI enrollment, Bank has enrolled lacs residents in the states of Maharashtra & Jharkhand during against the enrollment targets of lacs.

37 New Initiatives during Introduced Allahabad Bank Ru-Pay Kisan Card for all KCC account holders. Introduced a 3-in-1 account facility to the customers wherein with a SB/CA account, Demat Account is provided by the Bank and Online Trading Services is provided by Aditya Birla Money Limited. Appointment of Internal Ombudsman made for speedy grievances redressal of the customers. Extended IMPS facility to customers to facilitate 24*7 Inter Bank fund transfer using Mobile-handset. Launched Cash-Back Offer on usage of our Debit Cards at Point of Sale. Launched POS/Electronic Data Capture (EDC) machines at Merchants sites for acquiring Merchant Business. A collection module introduced to facilitate collection of insurance premium at all branches of the bank. Launched Pre-Paid Gift Cards in denominations of `500 to `50000 for customer s convenience.

38 Guidance Business Target for March Business Deposit Advances Rs. 3,60,000 crore Rs.2,05,000 crore Rs.1,55,000 crore

39 Thank You

Performance Highlights

Presentation on Financial Performance for the Quarter/FY March 2015 1 Performance Highlights Top Line Milestones: Global Assets- Rs. 6.0 Lac Global Deposit- Rs. 5.0 Lac Saving Deposit- Rs. 1.5 Lac Overseas