FINANCIAL HIGHLIGHTS FOR THE 1 ST QUARTER ENDED 30 TH JUNE 2018
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1 FINANCIAL HIGHLIGHTS FOR THE 1 ST QUARTER ENDED 30 TH JUNE 2018
2 PERFORMANCE HIGHLIGHTS- FY 20 Total Business of the Bank increased to Rs. 4,68,535 crore as at June 30, 2018 compared to Rs. 4,66,360 crore as at June 30, 2017 registering y-o-y growth of 0.47 %. Total Deposits stood at Rs crore in June 30, 2018 from Rs. 2,94,162 crore as at June 30, 2017 Gross Advances of the Bank stood at Rs crore in June 2018 as against Rs. 1,72,198 crore in June 2017 registering Y-O-Y growth of 1.59% CASA percentage improved to % in June 2018 as against % in June Core Deposits increased to Rs crore from Rs. 2,81,398 crore in June 2017, recording y-o-y growth of 4.06 %. Total Income for the quarter ended June 30, 2018 stood at Rs.5905 crore as compared to Rs crore for the quarter ended June 30, Non Interest Income of the Bank stood at Rs. 213 crore for the quarter ended June 30, 2018 compared to Rs.660 crore for the quarter ended June 30, Operating Profit of the Bank stood at Rs. 384 crore for the quarter ended June 30, 2018 as compared to Rs. 451 crore for the corresponding quarter ended June 30, Net Loss for the quarter ended June 30, 2018 stood at Rs crore in comparison to Net Loss of Rs. 577 crore for the quarter ended June 30, Provision Coverage Ratio stood at % as on June 30, 2018 from 63.31% as on March 31,2018. CRAR under BASEL III is at 8.05 % as on June 30,2018 of which Tier I at 6.05 % and Tier II at 2.00%. NIM stood at 2.61 % for the quarter ended June 30, 2018 as compared to 1.95% for the quarter ended June 30,
3 PERFORMANCE HIGHLIGHTS- FY 20 (Rs. in crore) PARAMETERS Q4 & FY Y-o-Y Growth ( FY 19 o FY 18) (%) Total Business 4,66,360 4,72,323 4,68, Total Deposits 2,94,162 2,94,839 2,93,595 (0.19) Of which Core Deposits 2,81,398 2,93,989 2,92, Of which HighCost Deposits (% to total deposits) 12,764 (4.34) 850 (0.29) 776 (0.26) (93.92) Total Loans and Advances 1,72,198 1,77,484 1,74, Investments 95,670 1,05,295 1,11, CD Ratio (0.26) 3
4 PERFORMANCE HIGHLIGHTS- FY 20 (Rs. in crore) PARAMETERS Q4 FY Y-o-Y Growth ( FY 19 o FY 18) (%) Gross Income 6,871 6,302 26,659 5,905 (14.06) Gross Expenses 6,420 5,754 23,926 5,521 (14.00) Operating Profit , (14.86) Net Profit (577) (2,114) (5,105) (1,522) Net Interest Income Net Interest Margin 1,331 1,500 6,517 1,
5 PERFORMANCE HIGHLIGHTS- FY 20 BRANCH SEGMENTATION : AS ON 30 TH JUNE, 2018 Total Branches (17.76%) 888 (19.02%) 1609 (34.47%) Rural 1609 Semi Urban 1342 Urban (28.75%) Metropolitan 888 ATMs 4808 Rural Semi-Urban Urban Metro 5
6 BUSINESS 6
7 Deposits PERFORMANCE HIGHLIGHTS- FY 20 Segment-wise Deposits (Rs. in crore) Q4 & FY Y-o-Y Growth ( FY 19 o FY 18) (%) Current 13,357 14,687 13, Savings 1,02,779 1,10,509 1,11, Total CASA 1,16,137 1,25,196 1,25, Core Term 1,65,261 1,68,793 1,67, Total Core Deposits 2,81,398 2,93,989 2,92, High Cost 12, (93.92) Total Deposits 2,94,162 2,94,839 2,93,595 (0.19) CASA % (8.20) 7
8 PERFORMANCE HIGHLIGHTS- FY 20 PARTICULARS Loans and Advances Segment Wise (Rs. in crore) Q4 & FY Y-o-Y Growth ( FY 19 o FY 18) (%) Total Loans & Advances 1,72,198 1,77,484 1,74, Corporate Credit 66,256 64,560 54,187 (18.22) (% to total Loans & Advances) 38.63% 36.38% 30.97% Agriculture 37,412 30,776 37, (% to total Loans & Advances) 21.73% 17.34% 21.43% MSME 32,007 34,025 35, (% to total Loans & Advances) 18.59% 19.17% 20.03% Retail 36,253 48,123 48, (% to total Loans & Advances) 21.05% 27.11% 27.56% - Housing 13,077 21,392 21, Education 2,944 3,965 3, Others 20,232 22,766 22,
9 PERFORMANCE HIGHLIGHTS- FY 20 PRIORITY SECTOR LENDING (Rs. in crore) Type of Advance Q4 & FY Y-o-Y Growth ( FY 19 o FY 18) (%) Priority Sector Advances (% to ANBC) 79,022 (39.49) 73,284 (44.00) 87,412 (47.31) Agriculture (% to ANBC) 37,412 (18.70) 30,776 (18.48) 37, MSME (PS) (% to ANBC) 30,057 (18.05) 33,223 (19.95) 35,
10 PERFORMANCE HIGHLIGHTS- FY 20 Performance of Retail Advances (Rs. in crore) DESCRIPTION Q4 & FY Y-o-Y Growth ( FY 19 o FY 18) (%) HOUSING LOAN 13,077 21, EDUCATION LOAN 2,944 3,965 3, CENT PERSONAL GOLD LOAN Cent Mortgage 8,308 8,980 8, Cent Trade 4,742 5,471 5, Others 6,442 7,522 7, Grand Total 36,253 48,123 48,
11 PROFITABILITY 11
12 PERFORMANCE HIGHLIGHTS- FY 20 PROFITABILITY (Rs. in crore) PARAMETERS Q4 FY 20 Y-o-Y Growth ( FY 19 o FY 18) (%) Gross Income 6,871 6,302 26,659 5,905 (16.35) Gross Expenses 6,420 5,754 23,926 5,521 (16.28) Operating Profit , (17.45) Net Profit (577) (2114) (5105) (1522)
13 PERFORMANCE HIGHLIGHTS- FY 20 BREAK- UP : INTEREST INCOME (Rs. in crore) PARAMETERS Q4 FY Y-o-Y Growth ( FY 19 o FY 18) (%) Interest on Advances Interest on Investments 3,559 3,399 14,478 3,328 (6.49) 1,718 1,872 7,138 1, Other Interest Income Total Interest Income 6,211 5,632 24,036 5,692 (9.12) 13
14 PERFORMANCE HIGHLIGHTS- FY 20 BREAK UP : NON INTEREST INCOME (Rs. in crore) PARAMETERS Q4 FY Y-o-Y Growth ( FY 19 o FY 18) (%) Non Interest Income (67.73) Of which: Profit on sale of investments Commission/ Exchange Recovery in written off a/cs Profit on Exchange Transactions (264) (221.10) (1.63) Others Total Income 6,871 6,302 26,659 5,905 (14.06) 14
15 PERFORMANCE HIGHLIGHTS- FY 20 BREAK-UP : INTEREST EXPENSES (Rs. in crore) PARAMETERS Q4 FY Y-o-Y Growth ( FY 19 o FY 18) (%) Interest on deposits 4,254 3,957 16,222 3,843 (10.69) Interest on Subordinated debts (8.57) Interest on borrowings/ refinance Total interest Expenses (87.08) 4,880 4,132 17,519 4,014 (21.57) 15
16 PERFORMANCE HIGHLIGHTS- FY 20 BREAK-UP : OPERATING EXPENSES (Rs. in crore) PARAMETERS Q4 FY Y-o-Y Growth ( FY 19 o FY 18) (%) I.Establishment 1, , (4.04) II. Other Optg. Expenses , % Total optg. Expenses 1,540 1,622 6,407 1,507 (2.19) Gross Expenses 6,420 5,754 23,926 5,521 (16.28) 16
17 PERFORMANCE HIGHLIGHTS- FY 20 PROVISION (Rs. in crore) PARAMETERS Q4 FY For NPAs (Including Restructured Assets) 1,013 (-80) 4,657 (-575) 10,543 (-951) 2,540 (-135) On Standard Assets 32 (38) 7 (3) Provisions on Investments 303 (335) Tax (242) (1310) (2791) (862) Others (136) Total Provision & Contingency Provision Coverage Ratio 1,027 2,662 7,838 1,
18 PERFORMANCE HIGHLIGHTS- FY 20 PROFITABILITY INDICATORS (%) PARAMETERS (%) Q4 FY Return on Assets (0.71) (2.75) (1.61) (1.85) Yield on Advances Yield on Investments Cost of Deposits Cost of Funds Cost to Income Ratio
19 ASSET QUALITY & CAPITAL STRUCTURE 19
20 PERFORMANCE HIGHLIGHTS- FY 20 NPA MOVEMENT (Rs. in crore) PARAMETERS Q4 FY Gross NPAs: Opening Balance 27,251 32,491 27,251 38,131 Add: Slippages 5,059 7,868 17,072 2,937 Less: Deductions 1.Write Off 32 1,208 2, Upgradation Recoveries ,337 1,304 4.Reduction due to sale Total Deductions 912 2,227 6,191 2,290 Gross NPAs 31,398 38,131 38,131 38,778 20
21 PERFORMANCE HIGHLIGHTS- FY 20 NPA MOVEMENT (Rs. in crore)..contd. PARAMETERS Q4 FY Gross NPAs 31,398 38,131 38,131 38,778 Gross Credit 1,72,198 1,77,484 1,77,484 1,74,940 Gross NPA as % of Gross Advances Net Advances 1,57,646 1,56,542 1,56,542 1,52,064 Net NPA 17,407 17,378 17,378 16,086 Net NPA as % of Net Advances
22 PERFORMANCE HIGHLIGHTS- FY 20 SECTOR SECTOR- WISE NPA (Rs. in crore) Q4 & FY IRON & STEEL 4,983 5,188 4,107 ENGINEERING & MANUFACTURING 4,838 4,986 5,190 INFRASTRUCTURE 2,567 4,059 4,378 TEXTILES 2,530 3,404 2,742 POWER-GENERATION 1,332 2,660 3,240 CONSTRUCTION 1,279 2,128 1,721 GEMS & JWELLERY 767 1,717 1,162 OIL INDUSTRY 661 1,164 2,203 AVIATION OTHERS 12,441 12,825 14,035 TOTAL 31,398 38,131 38,778 22
23 PERFORMANCE HIGHLIGHTS- FY 20 SEGMENT WISE NPA (Rs. in crore) SECTOR Q4 & FY Agriculture (% to Sectoral Advances) 2,719 (8.14) 2,516 (7.36) 2, (7.92) Industry (% to Sectoral Advances) 23,617 (29.93) 29,838 (37.78) 3, (40.48) Services (% to Sectoral Advances) 2,649 (15.49) 3,642 (15.57) 3, (14.91) Retail (% to Sectoral Advances) 2,413 (5.64) 2,135 (4.44) 2, (4.95) Others (% to Sectoral Advances) Total 31,398 38,131 38,778 23
24 PERFORMANCE HIGHLIGHTS- FY 20 RESTRUCTURED ASSETS (Amount Rs. in crore) Below Rs 1 Crore 1 Cr. & Above Total SL DETAILS OF RESTRUCTURED ACCOUNTS No of A/Cs AMOUNT (Rs in Cr) No of A/Cs AMOUNT (Rs in Cr) No of A/Cs AMOUNT (Rs in Cr) 1 Total Restructured Assets position as on Of which NPA Net Standard Restructured as on % of Net Standard DISCOM Restructured Advances Portfolio to Total Loans & Advances (as on ) % of Net Standard Other Restructured Advances (Excluding DISCOM) Portfolio to Total Loans & Advances (as on ) Fresh addition in Total Restructured Assets in FY % 0.67% 0.71%
25 PERFORMANCE HIGHLIGHTS- FY 20 RESTRUCTURED ASSETS ( Rs. IN CRORES) POSITION AS ON Total Restructured Assets CDR Non-CDR No. of A/Cs Amt. No. of A/Cs Amt. No. of A/Cs Amt. JUNE SEPTEMBER DECEMBER MARCH JUNE
26 Shareholding Pattern 30th June 2018 Insurance Cos. (Other than LIC), 0.25% Bank & FI s (Including LIC), 10.07% Other Body Cos., 1.24% FII s, 0.29% Public (Resident Individuals & HUF), 1.59% NRIs, 0.07% Others, 0.09% Government of India Bank & FI s (Including Life Insurance Corporation of India) FII s 0.29 Insurance Cos. (Other than LIC) 0.25 Other Body Cos Government Of India, 86.40% Public (Resident Individuals & HUF) 1.59 NRIs 0.07 Others
27 PERFORMANCE HIGHLIGHTS- FY 20 CAPITAL ADEQUACY (%) FY BASEL II FY FY CRAR Tier I Tier II BASEL III CRAR CET AT Tier I Tier II
28 PERFORMANCE HIGHLIGHTS- FY 20 Overall status implementation of PMJDY as on S.No. Items Progress 1. Total No. of Accounts opened Out of (1) Aadhaar seeded 2. account Out of (1) No. of RuPay Debit 3. Card issued O/S Balance in these accounts 4. (Rs.) Rs crores 5. SSA Allotted to our Bank SSA Coverage Covered through Branch Covered through BC Total SSA Covered
29 44
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Corporation Bank was incorporated in the Year 1906 in Udupi a small town in South India Nationalized in the year 1980 and went public in 1998 The Bank holds a unique record of posting profits right from
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Founder: Shri Haji Abdullah Haji Bahadur Saheb Bahadur
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Q4 FY 13. Investor Information
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Annual Results FY15 22nd May 2015
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pnb FINANCIAL RESULTS Q4 FY 18 and FY 18 Please follow Punjab National Bank Punjab National Bank
1 @PunjabNationalBankIndia @India Punjab National Bank Punjab National Bank! FINANCIAL RESULTS Q4 FY 18 and FY 18 Please follow us on: 2 Customers Trust Reflected in Achieving New Landmark Gross Domestic
Analyst I Institutional Investor Meet Presentation & Press Release
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Robust Operating Momentum
Key Messages Operating Momentum Continues to make Strong Progress **** Healthy Core Engine Robust Operating Momentum Highest ever Operating Profit @ 708cr, grows 26% Y-o-Y Highest ever Net Profit @ 334Cr,
Performance Review: Q July 25, 2003
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A Premier Public Sector Bank
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Financial Highlights Q3 FY18 vs Q3 FY17
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: Rs % Performance Highlights for the Q3 FY 12 and 9M FY 12 ended December 2011
Press Release TOTAL BUSINESS CROSSES Rs 6,00,000 CRORE. CASA DEPOSITS CROSS Rs 1,25,000 CRORE TOTAL ASSETS CROSS Rs. 4,21,000 CRORE. NET INTEREST MARGIN REMAINS HIGH AT 3.85% BOOK VALUE PER SHARE ABOVE
Profile of the Bank. Corporation Bank was founded in the Year 1906 in Udupi a small town in South India
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Investor Presentation Q3 FY 12
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Performance highlights for the Quarter ended 30 th June 2016 Performance highlights of the Bank -June 16 [Q1] over June 15 [Q1]:
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Sector Bank Performance highlights for the Quarter ended 30 th June 2016 Performance highlights of the Bank -June 16 [Q1] over June 15 [Q1]: Parameter A Premier Public Sector Bank As at 30 June 15[Q1]
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Brickwork Ratings upgrades the ratings from BWR BBB+ to BWR A- for Lakshmi Vilas Bank s Long Term Bonds Issue of `250 Crore
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H1:FY14 % (Rs cr) (Rs cr) Change Total Income Interest Income
Bank of Baroda Financial Results Q2 and H1, 2014-15 (FY15) November 7, 2014 Operating Profit at Rs 2,403 crore in Q2, FY15, up 13.1% (y-o-y) Net Interest at Rs 3,401 crore in Q2, FY15, up 17.5% (y-o-y)
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Content. Highlights. Financial Performance. Business Performance. Treasury Operations. Asset Quality. Capital. Prompt Corrective Action Matrix
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` 750 Cr (out of the rated amount of ` 1500 Cr due to non-utilization)
Rating Rationale Punjab National Bank 05 th July Brickwork Ratings () assigns rating for Punjab National Bank s proposed fresh issue of Basel III compliant Additional Tier I Bond amounting to ` 3000 Crores,
Performance Review: Q1:FY2003. July 31, 2002
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Strong Operating Momentum. Operating Profit grows 20% Y-o-Y Robust Growth across all Business Segments Highest ever
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FY2018: Performance review. May 7, 2018
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Investor Presentation Q3 FY2013
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Market Share in Advances increases to 1.01%. Up by 6bps. Market Share in deposits increases to 0.91%. Up by 3bps Y-o-Y
Key Messages Robust and Diversified Credit Growth Continues. Blended Y-o-Y Growth rate of 22% Refined Retail Asset delivery architecture yields results (HL grows 26% Y-o-Y; 7% Q-o-Q and Auto grows 68%Y-o-Y;15%Q-o-Q;
IIP growth (%) Rates FY CPI(YoY) in % Repo Reverse Repo MSF Call Money(Daily movement) A p r.
2 Rates FY13-14 Repo Reverse Repo MSF Call Money(Daily movement) 13.5 12.5 11.5 10.5 9.5 8.5 7.5 6.5 5.5 A p r M a y J u n J u l A u g S e p O c t N o v D e c J a n F e b M a r IIP growth (%) 3.5 2.6 2.7