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Cecily Ramsey
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2 HIGHLIGHTS MARCH 2015 Major HIghlights Net profit at 2703 crore, up by 10.8% y.o.y. Gross profit at 6950 crore, up by 2.3% y.o.y. Total provisions at 4248 crore compared to 4358 crore in FY14 Non-interest income for FY15 at 4550 crore, up by 15.7% y-o-y. ROAA for FY15 at 0.55%, up from 0.54% last year. ROE for FY15 at 11.06%, up from 10.59% last year. NIM (Domestic) at 2.36% and NIM (Global) at 2.25%. Net profit for Q4 FY15 at 613 crore. Gross profit for Q4 FY15 at 1733 crore. Total Provisions for Q4FY15 at 1120 crore. Non-interest income for Q4FY15 at 1326 crore, up by 23.9% y-o-y. Page 2

3 HIGHLIGHTS MARCH 2015 Major Highlights Total Business at 8.04 lakh crore, up by 11.4% y.o.y. Total Deposits at 4.74 lakh crore, up by 12.6% y-o-y. Advances (net) at 3.30 lakh crore, up by 9.6% y-o-y. Growth in retail business- Priority Credit (21%), Agriculture (21%), MSME (21%), MSE (26%), Retail Lending (26%), Direct Housing Loans (29%), Vehicle Loans (22%) and other personal loans (80%). Mandatory norms complied under Priority Credit, Agriculture, MSE (Accounts and Amount), Minority Communities, Weaker Section & women beneficiaries. Gross NPA Ratio at 3.89% from 2.49% as at March Net NPA ratio at 2.65% from 1.98% as at March Record Cash Recovery at 5993 crore vis-à-vis 5494 crore last year. Record increase in e-transactions to 50.21% from 43.84% last year. 930 branches and 2221 ATMs added, taking the total to 5682 branches and 8533 ATMs (the Highest ATM Network among Nationalized Banks). Page 3

4 PERFORMANCE HIGHLIGHTS- BUSINESS Parameters MAR 14 JUNE 14 SEP 14 DEC 14 MAR 15 y.o.y Growth(%) Deposits Advances (net) Business C-D Ratio Market share in deposits at 4.82%. Market share in Advances up by 6 bps to 4.54% over Mar 14. Page 4

5 PERFORMANCE HIGHLIGHTS- OVERSEAS BUSINESS Parameters MAR 14 MAR 15 y.o.y Growth % Deposits Advances Total Business Gross Profit Overseas Business constitute 6.45% of the Global Business Page 5

6 PERFORMANCE HIGHLIGHTS- PROFITABILITY-Q4FY15 Parameters Q4FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15 y.o.y Gr(%) Total Income Total Expenses Operating Profit Net Profit NIM (%) Domestic NIM (%) Global Page 6

7 PERFORMANCE HIGHLIGHTS- PROFITABILITY-FY15 Parameters Mar 13 Mar 14 Mar 15 y.o.y Growth(%) Total Income Total Expenses Operating Profit Net Profit Page 7

8 PERFORMANCE HIGHLIGHTS- EXPANDING THE REACH Particulars Mar 13 Mar 14 Mar 15 Y-o-Y incr. Branch Network * ATM Strength Debit Card (In Lakh) E-Lounges domestic Branches 7 overseas branches at Johannesburg, New York, London, Leicester, Shanghai, Manama & Hong Kong Population group No. of branches % to total Rural % Semi-Urban % Rural + Semi-Urban % Urban % Metro % TOTAL Domestic % Page 8

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10 SEGMENT WISE DEPOSITS Parameters MAR 14 JUN 14 SEPT 14 DEC 14 MAR 15 y.o.y Growth (%) Total Deposits Current Saving CASA CASA (%)Dom Term Deposits PRDs + CDs % PRDs +CDs to Total Deposits Note: PRDs Preferential Rate Deposits. CDs- Certificate of Deposits Page 10

11 LOANS & ADVANCES SEGMENT Parameters MAR 14 JUN 14 SEP 14 DEC 14 MAR 15 y.o.y Growth (%) Advances (Net) Total Priority Agriculture Direct Agriculture Indirect Agri Other Priority MSME MSE Retail Credit Page 11

12 ACHIEVEMENT UNDER MANDATED TARGETS PRIORITY SECTOR Achieved the mandated targets in respect of: Mandated Targets under Priority Sector Total Priority (40.89% against 40% norm) Agriculture (20.36% against 18% norm) Direct agriculture (17.79% against 13.5% norm) Credit to specified minority communities (19.26% against 15% norm) Weaker Section (13.37% against 10% norm) M&SE (26.16% y.o.y growth against 20% norm) Number of Micro Enterprises accounts (33.22% growth against 10% norm) Credit to women beneficiaries increased to 13.07% as against 5% norm. Page 12

13 Performance of Retail Advances Type of Advances MAR 14 JUN 14 SEP 14 DEC 14 MAR 15 y.o.y Growth Housing loans Direct % Vehicle loans % Education loans % Other Personal Loans % Retail Total % Page 13

14 EXPOSURE - INFRASTRUCTURE Parameters MAR 14 JUN 14 SEP 14 DEC 14 MAR 15 % Share Total Adv y.o.y Growth Roads % Ports % Airports % Power (Generation, Transmission & Distribution) % Telecom % Other Infrastructure Total Infrastructure % % Page 14

15 EXPOSURE - POWER SECTOR & AVIATION Parameters MAR 14 JUN 14 SEP 14 DEC 14 MAR 15 % Share Total Adv y.o.y Growth -Power Generation % -Power Transmission % -Power Distribution % Total Power % Of which SEBs % Exposure to Aviation % Page 15

16 EXPOSURE TO OTHER SECTORS MAR 14 JUN 14 SEP 14 DEC 14 MAR 15 y.o.y Growth (%) EXPOSURE TO CAPITAL MARKET Outstanding EXPOSURE TO NBFCs Total Out of above : HFCs Private Public EXPOSURE TO COMMERCIAL REAL ESTATE Outstanding Page 16

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18 PROFITABILITY- Q4 FY15 Parameters Q4 FY14 Q1 FY15 Q2 FY15 Q3 FY15 Q4 FY15 y.o.y Growth (%) Total Income Total Expenses Operating Profit Provisions Net Profit Net Int. Income Non Int. Income Page 18

19 PROFITABILITY FY15 Parameters Mar 13 Mar 14 Mar 15 y.o.y Growth (%) Total Income Total Expenses Operating Profit Provisions Net Profit Net Int. Income Non Int. Income Page 19

20 BREAK-UP : INCOME Q4 FY15 Parameters Q4 FY14 Q1FY15 Q2 FY15 Q3 FY15 Q4 FY15 y.o.y Growth (%) Interest on Advances Interest on Investments Other Interest Income Total Interest Income Non - Interest Income Total Income Page 20

21 BREAK-UP : INCOME FY15 Parameters Mar 13 Mar 14 Mar 15 y.o.y Growth (%) Interest on Advances Interest on Investments Other Interest Income Total Interest Income Non Interest Income Total Income Page 21

22 BREAK-UP : EXPENDITURE Q4 FY15 Parameters Q4 FY14 Q1 FY15 Q2 FY15 Q3 FY15 Q4 FY15 y.o.y Growth (%) Interest Expenses Interest on Deposits Staff Expenses Other Op Exp Total Op Exp Total Expenses Page 22

23 BREAK-UP : EXPENDITURE FY15 Parameters Mar 13 Mar 14 Mar 15 y.o.y Growth (%) Interest Expenses Interest on Deposits Staff Expenses Other Op Exp Total Op Exp Total Expenses Page 23

24 BREAK-UP: NON-INTEREST INCOME Parameters Q4FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15 y.o.y Growth(%) Com & Exchange Of which Bancassurance Profit from Exch. Transactions Rent Lockers Dividend Income Recovery in W/Off A/cs Service Charges & Oth. Msc Income Total (Excluding Treasury Trading Profit) Trading Profit Total (Including Treasury Trading Profit) % y-o-y increase in Non Interest Income Page 24

25 BREAK-UP: NON-INTEREST INCOME- FY15 Parameters Mar 13 Mar 14 Mar 15 y.o.y Growth (%) Com & Exchange Of which Bancassurance Profit from Exch. Transactions Rent Lockers Dividend Income Recovery in W/Off A/cs Service Charges & Oth. Msc Inc Total (Excluding Treasury Trading Profit) Trading Profit Total (Including Treasury Trading Profit) % y-o-y increase in Non Interest Income. Page 25

26 BREAK-UP : PROVISIONS- Q4FY15 Provisions for Q4 FY14 Q1 FY15 Q2 FY15 Q3 FY15 Q4 FY15 NPAs Standard Assets Provisions on Investments 362 (416) (22) (236) 16 Tax Restructured & Others Total Provision &Contingency (16) 79 (76) Page 26

27 BREAK-UP : PROVISIONS FY15 Provisions for Mar 13 Mar 14 Mar 15 NPAs Standard Assets Provisions on Investments (371) 692 (658) Tax Restructured & Others Total Provision &Contingency Page 27

28 EARNINGS PROFILE Parameters Q4FY14 Q1FY15 Q2FY15 Q3FY15 Q4Y15 NIM Domestic NIM Global ROAA EPS ()(not Annualized) ROE (Annualized) Cost-Income Ratio (Cumulative) Page 28

29 COST AND YIELD TRENDS (In Mar 14 Jun 14 Sep 14 Dec 14 Mar 15 Cost of Deposits Cost of Funds Yield on Advances Yield on Funds Yield on Investments Page 29

30 Investment Classification Parameters Mar 13 % Share in Total Portfolio Mar 14 % Share in Total Portfolio Mar 15 % Share in Total Portfolio SLR % % % Non SLR % % % Total (Domestic) % % % Held For Trading 741 1% % % Available For Sale % % % Held To Maturity % % % M.DURATION 4.73 yrs yrs yrs -- Total (Global) % % % Page 30

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32 ASSET QUALITY PARTICULARS Mar 14 June 14 Sep 14 Dec 14 Mar 15 Gross NPA Gross NPA Ratio (%) Net NPA Net NPA Ratio (%) Cash Recovery (cumulative) Cash Recovery of 1566 crore during the Q4 FY15 Page 32

33 GROSS NPA MOVEMENT PARTICULARS Mar 14 June 14 Sep 14 Dec 14 Mar 15 Opening Gross NPA ( Crore) Additions Sub Total Less: Reduction (a+b+c+d)) a) Write Off (Including Addn Prudential Writeoff) b) Upgradation c) Recovery for movement (excluding recovery in w/o a/c and unapplied interest) Gross NPA - Closing Balance Gross Advances Gross NPA % Net NPA Net NPA % Total Cash Recovery (incl.rec. in Wr.-off a/cs, recovery in Current Year slippage & U/A interest) Page 33

34 NPA COMPOSITION Parameters MAR 14 JUN 14 SEPT 14 DEC 14 MAR 15 Gross Advances Sub-Standard Doubtful Loss NIL NIL NIL NIL NIL Provision Coverage Ratio(%) Page 34

35 SECTOR-WISE NPA SLIPPAGES SECTOR Q4 FY14 Q1 FY15 Q2 FY15 Q3 FY15 Q4 FY15 % to total Slippages Micro & Small Ent Agriculture Other Priority Sector Total Priority Sector Medium Industries Large Industries Other Non-Priority Total Non-Priority Total (Domestic) Overseas Total (Global) Page 35

36 SECTOR- WISE NPA OUTSTANDING SECTOR Mar 14 Jun 14 Sep 14 Dec 14 Mar 15 Micro & Small Enterprises Agriculture Other Priority Segments Medium Enterprises Large Industries Other Non-Priority Segments Total Page 36

37 Particulars Mar 14 Jun 14 Sep 14 Dec 14 Mar 15 Gross Advances Gross NPA Gross NPA % Priority Sector Advances PS as % to Gross Advances Total PS NPA Total PS NPA% Share of PS NPA to Gross NPA Agriculture NPA Agriculture NPA% MSE NPA MSE NPA % Other Priority NPA Other Priority NPA % Page 37

38 RESTRUCTURED ASSETS Total Restructured Of Which Standard Particulars No. Of Amount No. Of Amount No. Of A/C s A/C s A/C s Amount Total cumulative outstanding liability as at A/C Restructured in FY Q1, June 14 Total Restructured O/S 30/06/ A/C Restructured in FY Q2, Sep Total Restructured O/S 30/09/ A/C Restructured in FY Q3, Dec 14 Total Restructured O/S A/C Restructured in FY Q4, Mar Total Restructured O/S NPAs Page 38

39 RESTRUCTURED ASSETS UNDER CDR POSITION AS ON A/C Amount MARCH JUNE SEPTEMBER DECEMBER MARCH Page 39

40 SECTOR WISE RESTRUCTURED ACCOUNTS Name of the Sector As on 31 st Mar 2015 Details of restructured Accounts No. of a/cs Amnt % to cumulative Outstanding Amt. INFRASTRUCTURE (a+b+c+d+e+f+g+h) Of Which Power POWER (a+b+c+d) State DISCOMS (a) State Transmission (b) State Generation (c) Private (d) Of Which ROADS (e) Of Which PORTS (f) Of Which AVIATION (g) Of Which TELECOMMUNICATION(h) MINING IRON AND STEEL TEXTILE ENGINEERING PHARMACEUTICAL CEMENT HARDWARE SHIPPING EDIBLE OIL AGRICULTURE EDUCATION HOUSING CHEMICAL CONSTRUCTION OTHER INDUSTRIES OTHER SERVICES TOTAL Page 40

41 AMOUNT RESTRUCTURED DURING Q4 FY15 No. of Accounts Amount Agriculture MSME Housing Large Advances Others Total Page 41

42 SECTOR WISE RESTRUCTURED ADVANCES OUTSTANDING AS AT MAR 2015 No. of Accounts Amount Agriculture MSME Housing Large Advances Others Total Page 42

43 CAPITAL ADEQUACY NEW BASEL III NORMS CRAR of 10.56% at MAR 2015 Vs. 9% norm CET ratio at 7.37% vs. 5.5% norm Tier I ratio at 8.02% vs. 7% norm Tier II ratio at 2.54% Paid-up Capital at crore Sufficient headroom available for raising further capital Page 43

44 CAPITAL ADEQUACY BASEL III BASEL III Particulars Mar 14 JUN 14 SEPT 14 DEC 14 Mar 15 Risk-weighted Assets Tier I Capital Tier I Ratio% CET: 7.41% AT I: 0.27% Tier I:7.68% CET: 7.12% AT I: 0.27% Tier I:7.39% CET: 7.13% AT I: 0.28% Tier I:7.41% CET: 6.97% AT I: 0.26% Tier I:7.23% CET: 7.37% AT I: 0.65% Tier I:8.02% Tier II Capital Tier II Ratio% Total Capital CRAR% Page 44

45 SHAREHOLDING PATTERN Govt FIIs Indian Financial Inst 8.36 Mutual Funds 4.86 Resident Individuals 4.84 Others 1.45 Page 45

46 Pradhan Mantri Jan - Dhan Yojana (PMJDY) Page 46

47 Financial Inclusion (FI) Page 47

48 IMPORTANT CUSTOMER-FRIENDLY TECHNOLOGY INITIATIVES Page 48

49 IMPORTANT CUSTOMER-FRIENDLY TECHNOLOGY INITIATIVES Page 49

50 EXPANDED CLIENTELE BASE Mar 13 Mar 14 Mar 15 Y-o-Y Increase Y-o-Y Growth (%) Clientele Base % No. of Deposit A/cs % No. of Borrowal A/cs % Over 1 Crore Clientele added during the year. Page 50

51 MAJOR AWARDS/ACCOLADES IN Q3FY15 o o o o o Page 51

52 MAJOR AWARDS/ACCOLADES IN Q4FY15 Page 52

53 GOALS MAR 16 Retail deposits Retail credit Fee income Containing NPA Improving operational financial ratios- NIM, RoA, RoE and Cost-to-Income. Page 53

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Financial Results. 30th September Reorienting towards retail business and recovery for a sustained path of growth and profitability.

Financial Results. 30th September Reorienting towards retail business and recovery for a sustained path of growth and profitability. Get Instant Loan Approval!!! Financial Results 30th September 2016 Get Instant Loan Approval!!! CANARA BANK MULTI CURRENCY TRAVEL PREPAID CARD Reorienting towards retail business and recovery for a sustained