Performance Highlights

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Godwin Perry
5 years ago
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1 Presentation on Financial Performance for the Quarter/FY March Performance Highlights Top Line Milestones: Global Assets- Rs. 6.0 Lac Global Deposit- Rs. 5.0 Lac Saving Deposit- Rs. 1.5 Lac Overseas Business- Rs. 1.0 Lac Bottom Line Achievements(FY15): Operating Profit- Rs Total Income- Rs Other Income- Rs Key performance indicators: CRAR(BASEL III): 12.21% Net Interest Margin: 3.15%(FY) Cost of Deposit: 6.09%(FY) CosttoIncomeRatio:46.74%(FY) Operating Profit to AWF: 2.06%(FY) YoYGrowth(%):- MSME Credit: 21.37% Retail Credit: 24.57% Housing Loan: 26.45% 2 1

2 Overview of Performance Particulars Rs. Crore YOY Growth % Operating Profit : - Q4 Mar FY Mar Net profit : - Q4 Mar FY Mar Global Business : Global Assets : Global Deposits : Global Credit : Profitability: Performance of The Bank during Q4 4 2

3 Profit Sl. Parameters FY 14 Q3 Variation (Q4' 15 over Q4'14) 1 Interest Income Interest Expenses NII (Spread) (1-2) Other Income Operating Expenses Contribution (4-5) Operating Profit (3+6) Provisions Net Profit Provisions Sl. Particulars FY 14 Q3 Variation (Q4' 15 over Q4'14) Amt. % 1 Provision towards NPAs (Net of floating provisions) Standard Advances incl. Standard Restructured Depreciation on 4 Investment Income Tax Others Total Provision

4 Break-up : Income Sl. Parameters FY 14 Q3 Variation (Q4' 15 over Q4'14) 1 Interest on Advances Interest on Investments Other Interest Income Interest Income (1+2+3) Other Income of which 6 Core Non-Interest Income Recovery in Written off a/cs Trading Profit Dividend from Liquid MF Residual(incl. Derivative inc) Total Income (4+5) Fee Based Income-Qtr Sl. Particulars FY 14 Q3 Variation (Q4' 15 over Q4'14) 1 Processing Fees LC/LG Income Bills & Remittance Incidental Charges Inc from ATM operations Income from Ins & MF Misc. Income Exchange Profit Core Non Interest Income

5 Break-up : Expenditure FY 14 Q3 Variation (Q4' 15 over Q4'14) Sl. Parameters 1 Intt. Paid on Deposits Intt. Paid on Borrowings Others Total Interest Paid (1+2+3) Estab. Expenses Of Which 5a Employee Benefits (AS-15) Other Operating Expenses Operating Expenses (5+6) Total Expenses (4+7) Cost & Yield Ratios (Annualized) Sl. Particulars Q 4 FY 14 Q 4 Q 3 1 Cost of Deposit [%] Cost of Fund [%] Yield on Advances [%] Yield on Investment [%] Yield on Fund [%] Net Interest Margin [%]

6 3.52% 3.52% 3.49% 3.52% 3.44% 3.42% 3.30% 3.27% Net Interest Margin (%) (Annualized) 4.00% 3.50% 3.00% 3.15% 2.50% 2.00% 1.50% 1.00% Mar'13 Jun'13 Sep'13 Dec'13 Mar'14 Jun'14 Sep'14 Dec'14 Mar'15 11 Profitability Ratios (Annualized) Sl. Particulars Q 4 FY 14 Q 4 Q 3 1 Return on Assets [%] Return on Net worth [%] Opt. Profit to AWF [%] Cost to Income Ratio [%] Estb. Exp. To Total Exp. [%] Opt. Exp. To AWF [%] *Book Value per Share [Rs] *Earnings per share [Rs] *FaceValueofShareaftersplittingisRs.2/- 12 6

7 Profitability: Performance of The Bank during 13 Profit -FY Sl. Parameters Mar'14 Mar'15 Variation (Mar'15 over Mar'14) 1 Interest Income Interest Expenses NII (Spread) (1-2) Other Income Operating Expenses Contribution (4-5) Operating Profit (3+6) Provisions Net Profit

8 Provisions-FY Sl. Particulars Mar'14 Mar'15 Variation (Mar'15 over Mar'14) 1 2 Provision towards NPAs (Net of floating provisions) Standard Adv. Incl. Standard Restructured Depreciation on Investment Income Tax Others Total Provision Break-up : Income-FY Sl. Parameters Mar'14 Mar'15 Variation (Mar'15 over Mar'14) 1 Interest on Advances Interest on Investments Other Interest Income Interest Income (1+2+3) Other Income of which 6 Core Non-Interest Income Recovery in Written off a/cs Trading Profit Dividend from Liquid MF Residual (incl Derivative inc) Total Income (4+5)

9 Fee Based Income-FY Sl. Particulars Mar'14 Mar'15 Variation (Mar'15 over Mar'14) 1 Processing Fees LC/LG Income Bills & Remittance Incidental Charges Inc from ATM operations Income from Ins & MF Misc. Income Exchange Profit Core Non Interest Income Break-up : Expenditure- FY Sl. Parameters Mar'14 Mar'15 Variation (Mar'15 over Mar'14) 1 Intt. Paid on Deposits Intt. Paid on Borrowings Others Total Interest Paid (1+2+3) Estab. Expenses Of Which 5a Employee Benefits (AS-15) Other Operating Expenses Operating Expenses (5+6) Total Expenses (4+7)

10 Cost & Yield Ratios-FY (Annualized) Sl. Particulars FY Mar 14 FY Mar 15 9M Dec 14 1 Cost of Deposit [%] Cost of Fund [%] Yield on Advances [%] Yield on Investment [%] Yield on Fund [%] Net Interest Margin [%] Profitability Ratios-FY (Annualized) Sl. Particulars FY Mar 14 FY Mar 15 9M Dec 14 1 Return on Assets [%] Return on Net worth [%] Opt. Profit to AWF [%] Cost to Income Ratio [%] Estb. Exp. To Total Exp. [%] Opt. Exp. To AWF [%] *Book Value per Share [Rs] *Earnings per share [Rs] *FaceValueofShareaftersplittingisRs.2/

11 Business: Performance of the Bank 21 Business Sl. Parameters Variation % Over Mar'14 Dec'14 Mar'15 Mar'14 Dec'14 1 Total Business Out of Which Overseas Business Overseas Business (USD Mio) Share of Overseas Business [%] Total Deposit Total Advances CD Ratio [%]

12 Deposit Sl. Parameters Mar'14 Dec'14 Mar'15 Variation % Over Mar'14 Dec'14 1 Global Deposit Overseas Deposit Overseas Deposit (USD Mio) Domestic Deposit a Current Deposit b SB Deposit c CASA Deposit Share of CASA To Dom. Dep. (%) 41.31% 39.44% 40.57% 3d Term Deposit Core Term Interbank Differential Rate Dep. Incl. CD Share of DRI Dep. to Total % 4.99% 5.00% 2.42% 3e Core Deposit Core Dep. To Total (%) 92.21% 91.97% 94.41% 23 Advances- Sectoral Sl. Parameters Mar'14 Dec'14 Mar'15 % Share in Gr. Nonfood cr. Variation Mar'15/Mar'14 1 Global Gross Advances Overseas Advances Domestic Gross Advances a Food Credit b Dom. Non-Food Gross Adv of Which (Sl. No. 4 to 9) 4 Agriculture & Allied Industry a MSME Manufacturing b Large Industry Retail Loans a Housing b Car/Vehicle c Education d Other Retail Loans Commercial Real Estate NBFC Services & Others MSME Advances is Rs cr. grew by 21.37% 24 12

13 Advances Industry wise Breakup (Rs.Crore) Major Industry wise Deployment Mar'14 Dec'14 Mar'15 Variation Mar'15/Mar'14 Share % Amt. to NFC Amt. Share % Share % Amt. Amt. to NFC to NFC (%) Food Processing Textiles Chemical & Chemical Products Cement & Cement Products Basic Metal & Metal Products Iron& Steel Paper & paper products Petroleum All Engineering Products Vehicles & Vehicle parts Construction Infrastructure Power Tele-Communication Roads & Ports Others Residual Industry Investment Sl. Particulars Mar'14 Dec'14 Mar'15 1 Gross Investment Held To Maturity (HTM) Available For Sale (AFS) Held For trading (HFT) Duration (AFS) Modified Duration (AFS) Duration Total Portfolio Modified Duration Total Portfolio Net demand & time Liabilities SLR (%) SLR HTM tototal SLR (%) HTM To Gross Investment (%) Total SLR Total Non SLR

Break up of Gross Credit as per Asset Class Standard Adv. (Excl. Std. Restructured) Restructured Standard (O/S) Cumulative (As on Mar 15) 01.04.2014 to 31.03.

14 Break up of Gross Credit as per Asset Class Standard Adv. (Excl. Std. Restructured) Restructured Standard (O/S) Cumulative (As on Mar 15) to *NPA Gross Advances Upto FY FY FY FY FY FY *This includes restructured NPA amounting to Rs cr. as on Mar 15. Sl. Standard Restructured A/cs (O/s) No. Amt. O/s DFV 1 Under CDR Under SME Others (Non-CDR) Total Sl Sector wise O/S Restructured Accounts to Restructured Accounts No. Amt. O/s Diminution in Fair Value 1 Standard Adv NPA Total Cumulative Standard Amt. Sl. Restructured No. O/s A/cs (O/s) 1 Under CDR Under SME Others (Non-CDR) Total Sl. Sector Mar'14Mar'15 O/S %age Amt Share A Agriculture B Housing C Real Estate D Industry E Others Total Out of the Above Major Industries/Sectors 1 Iron & Steel Infrastructure Out of which Power Telecom Drilling Textiles Aviation Sugar Paper/Printing Chemical/Fertiliser/Drugs Cement Manufacturing Engineering Auto parts Hotel Education Finance

15 Non-Performing Assets ( Rs. Crore) Sl. Parameters Mar'14 Dec'14 Mar'15 1 NPA as at the beginning of Yr Cash Recovery Upgradation Write Off Total Reduction (2+3+4) Fresh Addition Fresh slippages Debits in existing NPA A/cs Gross NPAs end period Eligible Deductions incl. Provisions Net NPAs Recovery in written-off debt A/Cs Particulars Mar'14 Dec'14 Mar'15 Gross NPA% 5.25% 5.97% 6.55% Net NPA% 2.85% 3.82% 4.06% NPA Coverage Ratio 59.07% 57.27% 58.21% 29 Capital Adequacy (Basel III) Sl. Particulars Mar'14 Dec'14 Mar'15 Capital Fund 1 Tier I Of Which Common Equity Additional Tier I (AT I) Tier II Total (Tier I+II) Risk-weighted Assets Capital Adequacy Ratio 11.52% 11.54% 12.21% 6 Tier I 8.87% 8.50% 9.30% Of Which Common Equity 8.55% 8.22% 8.74% Additional Tier I (AT I) 0.33% 0.30% 0.56% 7 Tier II 2.65% 3.04% 2.91% Tier I Capital under BASEL III increased from 8.87% in FY 14 to 9.30% in

16 Capital raised during ( Rs. Crore) Date of issue Type of instrument-basel III Amount Tier 2 Debt Instrument Tier 2 Debt Instrument Tier 2 Debt Instrument Perpetual Debt Instrument AT-1 Capital Equity infusion (GOI) 870 Total During 4370 CRAR of the Bank under BASEL III % 31 Market Share & Productivity Sl. Parameters Mar 14 Dec 14 Mar 15 1 Deposit Market Share (%) Credit Market Share (%) Business Per Branch (Rs. Cr.) Business Per Employee (Rs. Cr.)

Shareholding Pattern(%) (Mar 15) Non-Institutions, 5.

6200 6000 Total Domestic Branches 6559 6200 5873

Semi- Urban Rural 1032 1356 1579 2592 15.73 20.67 24.

17 Shareholding Pattern(%) (Mar 15) Non-Institutions, 5.48 MF & UTI, 5.41 FIs/Banks, 0.16 Insurance, FIIs, Govt., Capacity Building Expanding Network Total Domestic Branches Metro Population Group wise Branches (Mar 15) Urban Semi- Urban Rural Mar'13 Mar'14 Mar'15 ATM Network Mar 13 Mar 14 Mar

18 Geographic Distribution of Domestic Branches Branch Network Mar 15 Population group wise Distribution of Domestic Branches 30% 6% 8% 37% % 1% 1579 NORTHERN EASTERN WESTERN NORTH-EASTERN CENTRAL SOUTHERN RURAL URBAN SEMI-URBAN METRO

FINANCIAL RESULTS. Quarter & FY Ended March 2017

FINANCIAL RESULTS. Quarter & FY Ended March 2017 1 FINANCIAL RESULTS Quarter & FY Ended March 2017 2 01 MAJOR HIGHLIGHTS Higher Operating Profit : Rs. 14565 Cr 02 Gross & Net NPA below March 16 as well as Dec 16 Level GNNPA = Rs. 55370 Cr. NNPA= Rs.