The Bank that begins with. Financial Results Q-4 / FY ( )

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1 The Bank that begins with Financial Results Q-4 / FY ( )

2 Result at A Glance. Performance Parameter Rs. crore Ratio for (in %) Net Profit 256 Return on Assets 0.21% Operating Profit 2428 Return on Equity 5.16% Total Business Cost- Income Ratio 42.70% Total Deposits Total Advances Capital Adequacy Ratio (Basel II, Tier I : 7.77%) Total Assets Net worth Capital Adequacy Ratio (Basel III, Tier I :7.52%) 11.42% 10.57% Total Capital (Basel- III) 7055 Prov Coverage Ratio 58.50% Tier I Capital (Basel-III) 5021 Gross NPA 9.49% Business per Employee 12 Net NPA 6.22%

3 HIGHLIGHTS- FY Highlights Operating profit for the FY 15 increased to Rs crore as compared to Rs crore in FY 14,registered a growth of 17.76%. Net Profit for the FY 15 stands at Rs 256 crore as against loss of Rs.1213 crore in FY 14. Healthy CASA 11% from Rs to Rs45755 crore. Interest income for the FY 15 is Rs crore as against Rs crore in FY 14. Gross NPA stands at Rs.6553 crore against Rs 7118 crore in March 14. Net NPA declined to Rs.4081 crore against Rs 4664 crore in March 14.

4 HIGHLIGHTS- 4 th - Qrtr on Qrtr Operating profit for the quarter increased to Rs. 792 crore as compared to Rs 543 crore in corresponding quarter of FY 14,registering a growth of 45.86%. Net Profit for the current quarter stands at Rs. 105 cr as against Rs 469 cr in the corresponding qrtr of FY 14. Other income for the current qrtr stands at Rs 581 cr as against Rs312 cr in corresponding qrtr of FY 14, registering a growth of 86%. Interest income for the quarter stood at Rs2572 crore as against Rs crore in corresponding qrtr of FY 14

5 HIGHLIGHTS CASA as on increased to 42.05% against % as on Preferential interest rate Deposit including CD has comedown exponentially & stands at Rs 1483 cr as against Rs cr in FY 14. CD as in FY 15 stands at Zero. Cost of Deposit stands at 6.88% against 7.13% for FY PCR as at is % against 52.25% as on Gross NPA decline to 9.49% against 10.47% as on Net NPA decline to 6.22% against 7.18% as on

Branch Network as on 31 st March 2015 Regional Breakup of Branches as on 31.03.

6 Branch Network as on 31 st March 2015 Regional Breakup of Branches as on Metro Urban Semi-Urban Rural During last five years, the Bank added 470 branches to its network During the FY Bank opened 5 branches 2 in urban location, 2 in semi-urban location & 1 in rural location The newly opened branches belonged to Telangana (1), Karnatka (2), Manipur (1) and West Bengal (1) states Around 39.92% of the Bank s network at the end of March, 2015 was situated in rural areas Around 58.18% of the Bank s network was situated in eastern and 17.71% in noth eastern parts of the country

Concentration of Branches as on 31.03.2015 Region No.

7 Concentration of Branches as on Region No. of Branches West Bengal East other than West Bengal North East North South West Bengal 854 East other than West Bengal 312 North East 355 North 203 West South 121 Central West 119 Central 40

8 Pattern of Shareholding : Mar 15 Share Capital: Rs 840 cr Net worth: Rs.5030 cr Book Value per share: 59.20/ share Return on Equity:5.16%

9 BUSINESS PROFILE Amt. in Rs. Crore Mar 13 Mar 14 Mar 15 Y-o-Y Growth (%) Total Business % Total Deposits % Mar 13 Mar 14 Mar 15 Advances Deposits Total Business Total Advances CD Ratio (%) %

10 INVESTMENT Amt. in Rs. Crore Particulars Mar 14 Mar 15 Gross Investments Held To Maturity (HTM) Available For Sale (AFS) Duration (AFS) Modified Duration (AFS) Duration Total Portfolio Modified Duration Total Portfolio Net Demand & Time Liabilities SLR (%) SLR HTM to Total SLR (%) HTM to Gross Investment 64.43% 58.91% Total SLR Total Non SLR

11 COMPOSITION OF DEPOSITS Amt. in Rs. Crore Mar 13 Mar 14 Mar 15 Y-o-Y Growth(%) Savings Deposits % % Share 30.18% 29.73% 33.83% - Current Deposits % % Share 9.47% 7.24% 8.22% - CASA Deposits % CASA (%) 39.65% 36.98% 42.05% 13.71% Term Deposits % % Share 60.35% 63.02% 57.95% - Total Deposits %

COMPOSITION OF CREDIT PORTFOLIO Amt. in Rs. Crore Mar 13 Mar 14 Mar 15 Y-o-Y Growth (%) PRISEC 25604 28950 28561-1.34% Agriculture Credit 9571 9725 8600-11.57% MSE Advance 11810 11249 11641 3.

12 COMPOSITION OF CREDIT PORTFOLIO Amt. in Rs. Crore Mar 13 Mar 14 Mar 15 Y-o-Y Growth (%) PRISEC % Agriculture Credit % MSE Advance % Other Priority sector % Retail Advance % Housing % Education % Car Loan % Other Retail Loans % Corporate Advance %

13 Interest On INTEREST INCOME Amt. in Rs. Crore Q- 4 ( ) Q- 4 ( ) Growth (%) (Q-o-Q) FY ( ) FY ( ) Growth (%) (Y-o-Y) Advances % % Investments % % Others % % Total Interest Income % %

14 Interest On INTEREST EXPENSE Q- 4 ( ) Q- 4 ( ) Growth (%) (Q-o-Q) FY ( ) Amt. in Rs. Crore FY ( ) Growth (%) (Y-o-Y) Deposits % % Interest on RBI/Inter Bank Borrowing % % Interest on UBI Bonds % Interest on Refinance % % Others % % Total Interest Expense % %

15 Particulars OTHER INCOME Amt. in Rs. Crore Q- 4 ( ) Q- 4 ( ) FY FY Comm, Exch & Brokerage Profit from Trading Profit from Exchange Trans Bad Debt Realisation Service Charges Other Misc. Income Total Other Income

16 Establishment Expense Rent, Taxes & Lighting OTHER EXPENDITURE Amt. in Rs. Crore Q- 4 ( ) Q- 4 Growth (%) ( ) (Y-o-Y) FY ( ) FY ( ) Growth (%) (Y-o-Y) % % % % Printing & Stationery % Depreciation % % Service charges % % Insurance % % Others % Total: % %

17 PROVISIONS & CONTINGENCIES Amt. in Rs. Crore Q- 4 Q- 4 Growth (%) FY FY Growth ( ) ( ) (Y-o-Y) ( ) ( ) (%) (Y-o-Y) Provisions for NPA % % Provisions for NPI % % Depreciation on Investments % % Deferred Tax Asset % % Addl. Pension/Gratuity % % Service Tax % % Others % % Total % %

18 Interest On SPREAD MANAGEMENT Q- 4 ( ) Q- 4 ( ) Growth (%) (Q-o-Q) FY ( ) Amt. in Rs. Crore FY ( ) Growth (%) (Y-o-Y) Interest Expense % % Interest Income % % Net Interest Income (Spread) % % NIM 2.48% 2.60% % 2.23% -

19 KEY RATIOS COST & YIELD Particulars Q- 4 ( ) Q- 4 ( ) FY FY Cost of Deposit (%) Yield on Advance (%) Yield on Investment (%) Cost to Income Ratio (%)

20 OPERATING RATIOS Particulars Q- 4 ( ) Q- 4 ( ) FY FY Cost to Income (%) Staff Cost as (%) of average working funds Operating Profit to AWF(%) Other Operating expenses as % of AWF Staff Cost to Total Expenditure (%)

21 PROFITABILITY RATIOS Particulars Q- 4 ( ) Q- 4 ( ) FY FY Return on Assets (ROA) (%) Earning per Share (Amt in Rs.) Book Value per Share (Amt in Rs.)

22 *Annualised PRODUCTIVITY RATIOS Mar 14 Mar 15 Business Per Employee (Rs/Cr.) Business Per Branch (Rs/Cr.) Gross Profit Per Employee (Rs/ Lac)* Gross Profit Per Branch (Rs/ Lac)*

23 PRODUCTIVITY RATIOS (Qrtr-on-Qrtr) *Annualised Business Per Employee (Rs/Cr.) Business Per Branch (Rs/Cr.) Gross Profit Per Employee (Rs/ Lac)* Gross Profit Per Branch (Rs/ Lac)* Mar 14 Jun 14 Sep 14 Dec 14 Mar

24 CAPITAL ADEQUACY Mar 14 Mar 15 Tier - I Of which- Common Equity Adjusted Additional Tier I (AT 1) Tier II Total RWA CAR (%age) Tier I of which CET Additional Tier AT Tier -II

25 ADVANCE SECTORAL Rs. in crore 25 Sl No Parameters Mar 14 Dec 14 Mar 15 % Share in Nonfood cr. Variation Mar 15/Mar 14 Amt. (%) 1 Gross Advance % Domestic Gross Advance % a 2b Food Credit % Dom. Non Food Gross Advance Agriculture & Allied Industry a MSME Manufacturing b Large Industry

26 ADVANCE SECTORAL Rs. in crore Sl No Parameters Mar 14 Dec 14 Mar 15 % Share in Nonfood cr. Variation Mar 15/Mar 14 Amt. (%) 5 Retail Loans a Housing b Car/Vehicle c Education d Other Retail Loans Commercial Real Estate NBFC Services & Others

27 Advances-Industry wise Breakup Sl Major Industry wise Deployment March 14 Share % to Amt NFC Amt. in Rs. Crore March 15 Share % to Amt NFC 1 Food Processing Textiles Chemical & Chemical Product Cement & Cement Products Basic Metal & Metal Products a Iron & Steel Paper & Paper Products Petroleum

28 Advances-Industry wise Breakup Sl Major Industry wise Deployment March 14 Share % to Amt NFC Amt. in Rs. Crore March 15 Share % to Amt NFC 8 All Engineering Products Vehicles & Vehicle Parts Construction Infrastructure a Power b Telecommunication c Roads & Ports d Other Infrastructure Other Industry Total Industry

ASSET QUALITY Mar 14 Jun 14 Sep 14 Dec 14 Mar 15 Gross NPA (Rs./Crore) 7118.01 7097.44 7074.69 7809.38 6552.91 Gross NPA ( %) 10.47 10.49 10.78 12.

29 ASSET QUALITY Mar 14 Jun 14 Sep 14 Dec 14 Mar 15 Gross NPA (Rs./Crore) Gross NPA ( %) Net NPA (Rs/Crore) Net NPA Ratio (%) PCR (%)

30 COMPOSITION GROSS NPA Mar 13 Mar 14 Mar 15 Standard Assets (95.75%) (89.53%) (90.51%) Substandard Assets (2.72%) (6.12%) (3.22%) Doubtful Assets (1.50%) (4.13%) (6.22%) Loss Assets (0.03%) (0.22%) (0.05%) Total NPA (4.25%) (10.47%) (9.49%) Total 100% 100% 100%

31 SECTORAL NPA Rs. in crore Sl Parameters Mar 14 % of NPA Dec 14 % of NPA Mar 15 % of NPA 1 Gross Advance Domestic Gross Advance a Food Credit b 3 Dom. Non Food Gross Advance Agriculture & Allied Industry a MSME Manufact b Large Industry

32 Sl SECTORAL NPA Rs. in crore No Parameters Mar 14 % of NPA Dec 14 % of NPA Mar 15 % of NPA 5 Retail Loans a Housing b Car/Vehicle c Education Other Retail 5d Loans Commercial 6 Real Estate NBFC Services & 8 Others

33 NPA MOVEMENT - QUARTERWISE Amount in crore Q- 4 ( ) Q- 1 ( ) Q- 2 ( ) Q- 3 ( ) Q- 4 ( ) Opening Balance Reduction Upgradation (-) Cash Recovery (-) Write-off (-) Fresh Slippages(+) Closing Balance

34 MOVEMENT OF NPA Amount in crore Q- 4 ( ) Q- 4 ( ) FY ( ) FY ( ) Opening Balance Reduction Upgradation (-) Cash Recovery (-) Write-off (-) Fresh Slippages(+) Closing Balance/Gross NPA Net NPA Gross NPA (%) Net NPA (%)

35 RESTRUCTURED ACCOUNTS Particulars Mar 14 Jun 14 Sep 14 Dec 14 Mar 15 Total Advances Of which NPA Restructured Advances - Standard Restructured Advances - NPA Fresh Restructured during the quarter/increase in Balance Closed / Recovery during the quarter Restructured A/c Slippage to NPA during the Quarter incl fresh NPA restructure Closed/Recovery of NPA Restructured A/C during the quarter

36 RESTRUCTURED ADVANCES Amt. in Rs. Crore Mar 2014 Mar 2015 Growth Y-o-Y Agriculture % MSME % Housing % Large Advances % Others % Total %

37 Steps Taken by IT Division to Enhance Customer Service Internet Banking PPF module for viewing and making payments launched Amt. in in Rs. Internet Crore banking LPG-ID seeding enabled through Internet banking E-Filing of Tax through Internet Banking enabled Aadhaar seeding through Internet Banking, ATMs & SMS enabled Closure & Pre-Closure of Term Deposits through Internet Banking Meghalaya state Tax collection enabled through Internet Banking Interest certificate for all deposit and loan accounts launched in Internet banking Customer defined fund transfer limits & cooling period for new beneficiary launched in Internet Banking Birthday greeting message on Internet Banking launched

38 As on 31st March 2015, villages were Amt. in covered Rs. Crore under the Bank's Financial Inclusion drive Bank Mitras are now operating under Sub Service Area (SSA) approach. Bank has set up 2,681 Ultra Small Branches across the country to support this initiative. Under Prime Minister Jan Dhan Yojna (PMJDY), Bank has opened lakh accounts under PMJDY and issued lakh Rupay Card.

39 REGIONAL RURAL BANKS Bank has sponsored 4 RRBs, Bangiya Gramin Vikash Bank (West Bengal), Assam Gramin Vikas Bank (Assam), Tripura Gramin Bank (Tripura) and Manipur Rural Bank (Manipur). HOLISTIC APPROACH TO FINANCIAL INCLUSION Combined branch network of the sponsored RRBs is 1162 with a combined business of Rs crore as on Out of the above, Bangiya Gramin Vikas Bank is second largest in the country in terms of branch network All the branches of the RRBs are CBS enabled.

40 We re everywhere for you Thank you 40

The Bank that begins with. Financial Results Q-3 / FY

The Bank that begins with. Financial Results Q-3 / FY The Bank that begins with Financial Results Q-3 / FY 2017-18. Results at a Glance Q-3(FY 2017-18). Performance Parameter (Rs/Cr) Q3-18 Ratio for Q-3 (in %) Q3-18 Operating Profit 182 Return on Assets -1.82