HIGHLIGHTS OF WORKING RESULTS

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Lester Montgomery
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2 HIGHLIGHTS OF WORKING RESULTS 2 Business Global Business at ` 4,96,122 Crore. Grew by 6% (Y-o-Y) Global Advances at ` 2,23,346 Crore. Grew by 8%(Y-o-Y) Income Net - Interest Income increased by 4% (Y-o-Y) Profit Advances Capital Margin Operating Profit increased by 21% (Q4-o-Q3 of F.Y -18) R A M (Retail, Agriculture and MSME) increased by 5% (Y-o-Y) Priority Sector Advances increased by 8%(Y-o-Y) Provision Coverage Ratio Stood at 60.71%, increased from 56.37%(Y-o-Y) CRAR (Basel III) at 12.24% Domestic NIM : 2.85% Global NIM : 2.44%

3 Domestic Global 4,67,626 4,91,161 4,96,122 Business Position 3 2,60,561 2,71,712 2,72,776 2,07,065 2,19,449 2,23,346 4,05,920 4,13,162 4,22,569 2,34,543 2,37,290 2,41,092 1,71,377 1,75,872 1,81,477 Business Deposits Advances

4 Business Cross Section 4 As At Y-o-Y Growth Q-o-Q Growth Amt. % Amt. % Global Business 4,67,626 4,91,161 4,96,122 28, ,961 1 Global Deposits 2,60,561 2,71,712 2,72,776 12, ,064 - Global Advances 2,07,065 2,19,449 2,23,346 16, ,897 2 Domestic Business 4,05,920 4,13,162 4,22,569 16, ,407 2 Domestic Deposits 2,34,543 2,37,290 2,41,092 6, ,802 2 Domestic Advances 1,71,377 1,75,872 1,81,477 10, ,605 3 Overseas Business 61,706 77,999 73,553 11, (4,446) (6) Overseas Deposits 26,018 34,422 31,684 5, (2,738) (8) Overseas Advances 35,688 43,577 41,869 6, (1,708) (4)

Savings Bank 64,257 65,427 68,346 4,089 6 2,919 4 Total DRI Deposits 2,183 2,791 18,164 15,981 732 15,373 551 5

5 CASA Deposits As At Y-o-Y Growth Q-o-Q Growth Amt. % Amt. % CASA Deposits (Global) 75,865 76,458 80,409 4, ,951 5 Current Deposits 11,608 11,031 12, ,032 9 Savings Bank 64,257 65,427 68,346 4, ,919 4 Total DRI Deposits 2,183 2,791 18,164 15, , DRI Deposits to Global Deposits (%) 0.84% 1.03% 6.66% 75,865 76,458 80,409 64,257 65,427 68,346 11,608 11,031 12,063 2,183 2,791 18,164 Total CASA Current Savings Bulk Deposits

6 CASA Deposits - Domestic 6 75, % 76, % 80, %

7 Domestic Advances 7 Y-o-Y Growth Growth over Amt % Amt % Domestic Advances (Gross) 1,71,377 1,75,872 1,81,477 10, ,605 3 R etail Credit 33,716 (20%) 34,178 (19%) 35,919 (20%) 2, ,741 5 A griculture Credit 32,001 (19%) 34,875 (20%) 33,822 (19%) 1,821 6 (1,053) (3) M SME Credit 26,981 (16%) 26,953 (15%) 27,306 (15%) Total R A M 92,698 (54%) 96,006 (55%) 97,047 (53%) 4, ,041 1 Note: Retail Credit Includes schematic lending and others such as staff advances etc. % age expressed on Gross Domestic Advances

8 Priority Sector Credit 8 Y.O.Y Growth Amount % % age to ANBC Level Mandatory Requirement Priority Sector Advances 67,905 73,189 73,149 5, Agriculture 31,878 34,782 33,466 1, Other Priority Sector 36,027 38,407 39,683 3, Small and Marginal farmers Advances to Weaker Section 15,569 17,899 18,328 2, ,144 23,842 24,710 3, Advances to Minority* 10,611 11,018 11, Advances to Women 18,103 19,945 20,455 2, ANBC Level 1,69,611 1,68,907 1, 71, 570 * as % age to Priority Sector Advance

9 Retail Credit Components 9 Growth Y.O.Y Growth over Amount % Amount % Housing Loans 14,981 16,535 17,309 2, Education Loans 2,893 3,040 3, (8) - Vehicle Loans 3,001 3,085 3, (20) (1) Personal Loans 3,445 3,502 3, Gold Loans - Non Priority (4) (0) Mortgage Loans 2,558 2,759 3, Retail Others 6,052 4,374 4,717 (1,335) (22) Total Retail Credit 33,716 34,178 35,919 2, ,741 5

10 Industry/Infra and NBFC Exposure (Global) NPA LEVEL (Mar, ) NPA as % of O/s as on Mar-18 Y-o-Y growth Amt % Iron & Steel 8,977 8,536 8,440 5, (537) (6) Cement 824 1,010 1, Textiles 2,794 2,732 2, (251) (9) Aviation- Services 1,117 1,041 1, (93) (8) Total (a) 13,712 13,319 13,030 6, (682) (5) Power 15,088 13,103 13,867 1, (1,221) (8) State Owned 8,832 7,709 8, (167) (2) Private Owned 6,256 5,394 5,202 1, (1,054) (17) Roads & Ports 4,282 4,174 4, (274) (6) Aviation (173) (100) Telecom 2,710 2,324 1,860 1, (850) (31) Infrastructure (b) 22,253 19,601 19,735 (11%) (9%) (9%) 3, (2,518) (11) NBFC (c) 20,297 21,950 25,672 (10%) (10%) (11%) - - 5, TOTAL(a+b+c) 56,262 54,870 58,437 9, , % age expressed on Gross Global Advances

11 Investment Category - Global Category Composition As At HTM 49,123 48,434 50,796 % to Investment 74.34% 60.45% 62.27% AFS 16,915 31,657 30,747 % to Investment 25.60% 39.51% 37.69% HFT % to Investment 0.06% 0.04% 0.04% Gross Investment 66,080 80,126 81,578 Depreciation & Provision for NPI ,224 Net Investment 65,465 79,270 80,354 Net Profit on Sale of Investments (Quarterly)

12 Restructured Advances 12 CDR No.: of Accounts Amount () 1,842 1,091 1,015 Non - CDR No.: of Accounts 1,09,634 1,13,347 1,21,211 Amount () 5,411 4,723 4,835 TOTAL No.: of Accounts 1,09,657 1,13,361 1,21,225 Amount () 7,253 5,814 5,850

13 Restructured Accounts As On Y-o-Y Change over Dec, Increase/ (Decrease) Corporate 1, (793) (100) Agriculture 1,659 2,134 1,546 (113) (588) MSME (14) 10 Power 1, (1,446) (321) DISCOMS (708) (101) Others (738) (220) Retail (5) (5) Total Restructured (STD)Advances Total Restructured (NPA)Advances Total Restructured Advances 4,292 2,925 1,921 (2,371) (1,004) 2,961 2,889 3, ,040 7,253 5,814 5,850 (1,403) 36 13

14 Restructured Advances Quarterly F.Y Ended 14 Restructured Advances(Fresh) Slippage to NPA from RA Movement of Restructured STD Advances during the Quarter Quarterly F.Y Ended Opening Balance 4,846 3,365 2,925 5,754 4,292 Fresh Restructuring Increase in Existing A/c/ Upgradation From NPA Slipped to NPA (30) (99) (870) (664) (1,282) Upgraded/closed/Exited/PWO Recovery /Decrease in O/s (753) (516) (197) (1,992) (1,766) Closing Balance 4,292 2,925 1,921 4,292 1,921 Sep., Gross NPA Ratio Restructured (STD) Ratio Stressed Asset Ratio

15 NPA Details Gross NPA 20,184 20,177 21,103 17,609 25, Mar, Jun, Sep, Dec, Mar, Net NPA 10,411 12,188 11,894 11,410 13,239 Mar, Jun, Sep, Dec, Mar,

16 NPA and Provision Coverage Ratio Quarterly Movement Values in % Jun., Sep., Gross NPA % Net NPA % Provision Coverage Ratio (PCR) Jun., Sep.,

17 NPA Movement (Quarterly) Quarterly A. Gross NPA at the Beginning 16,948 20,177 21,103 B. Deduction: (i) Upgradation (ii) Recoveries (iii) Write off (incl. Prudential) TOTAL 1,208 1,349 1,972 C. Additions: (i) Fresh NPA ,219 6,331 (ii) Increase due to operations TOTAL 1,869 2,275 6,628 Gross NPA at the End (A-B+C) 17,609 21,103 25,759 17

18 NPA Movement (Yearly) FY Ended March., 17 FY Ended March., A. Gross NPA at the Beginning 13,832 17,609 B. Deduction: (i) Upgradation & Decrease due to Operations 1,590 1,645 (ii) Recoveries 1,500 2,202 (iii) Write off (incl. Prudential) 1,271 2,313 TOTAL 4,361 6,160 C. Additions: (i) Fresh NPA 7,370 13,533 (ii) Increase due to operations TOTAL 8,138 14,310 Gross NPA at the End (A-B+C) 17,609 25,759

19 NPA Sector Wise-Domestic (As on Date) Change over Dec, (%) Amt % % of NPA to Gross Advances (as on Mar-18) 19 I. RETAIL 1,760 1,349 1,145 (204) (15) 3 II. AGRICULTURE 2,246 2,495 3,708 1, III.MSME 2,295 3,166 3, IV. INDUSTRIES- LARGE 9,261 12,174 15,472 3, TOTAL 15,562 19,184 23,731 4,

20 FINANCIAL HIGHLIGHTS - Quarterly 20 Y-o-Y Variation(%) Change over Dec (%) Interest Income (a) 5,788 5,376 5,357 (7) - Interest Expended(b) 3,927 3,753 3,678 (6) (2) Net Interest Income (c=a-b) 1,861 1,623 1,679 (10) 3 Other Income (d) 1, (39) 21 NII + Other Income (e=c+d) 2,986 2,192 2,368 (21) 8 Staff Expenses (f) 1, (17) (7) Other Operating Exp(g) Total Operating Exp (h=f+g) 1,472 1,417 1,433 (3) 1 Operating Profit (i=e-h) 1, (38) 21 Provisions other than Tax(j) 1,268 2,090 3, PBT(Profit Before Tax) (k=i-j) 246 (1,315) (3,003) - - Tax Provision(l) 142 (445) (808) - - PAT(Profit After Tax)(m=k-l) 104 (870) (2,195) - - *Expenses reimbursed to employees on declaration basis(41 Cr) are regrouped under staff expenses due to non applicability of GST.

Profitability Ratios 3,111 Operating Profit 4,233 3,864 Yearly

Income (NII) 6,552 6,276 5,985 21 (1,643) 2015-16 2016-17 -18

Quarterly Performance Mar.' 17 Jun.' 17 Sep,17 Dec.' 17 Mar.

1,861 1,601 1,649 1,623 1,679 Mar.' 17 Jun.' 17 Sep,17 Dec.

21 Profitability Ratios 3,111 Operating Profit 4,233 3,864 Yearly Performance Net Profit Net Interest Income (NII) 6,552 6,276 5, (1,643) ,514 Operating Profit 1, Net Profit (3,223) Quarterly Performance Mar.' 17 Jun.' 17 Sep,17 Dec.' 17 Mar.' Net Interest Income (NII) 1,861 1,601 1,649 1,623 1,679 Mar.' 17 Jun.' 17 Sep,17 Dec.' 17 Mar.' 18 (263) (870) (2,195) Mar.' 17 Jun.' 17 Sep,17 Dec.' 17 Mar.' 18

22 INTEREST ANALYSIS - Quarterly Y-o-Y Variation (%) Change over Dec, (%) Interest Income on Advances 4,165 3,936 3,880 (7) (1) Interest Income on Investments 1,335 1,341 1, Interest on Call Money Lending / Repo& Others (73) (22) TOTAL INTEREST INCOME 5,788 5,376 5,357 (7) - Interest Paid on Deposits 3,600 3,367 3,244 (10) (4) Interest on Bonds (2) Other Interest Expenditure TOTAL INTEREST EXPENDITURE 3,927 3,753 3,678 (6) (2) Net Interest Income (NII) 1,861 1,623 1,679 (10) 3 22

23 OTHER INCOME Quarterly Commission & Brokerage Net Profit from FX Transactions Recovery in Written Off A/c s Y-o-Y Variation (%) Change over Dec, (%) (28) Miscellaneous Income Total (Excl. Trading Profit) Net Profit on Sale of Investments (89) (59) 23 GRAND TOTAL 1, (39) 21

24 Provisions & Contingencies Quarterly 24 Y-o-Y Variation (%) Change over Dec, (%) Provision for NPA 1,193 1,948 3, Bad Debts Written Off (57) 85 Provision for Income Tax 142 (445) (808) (669) 82 Standard Assets (28) (56) Restructured Assets (23) (8) (63) - - Depreciation on Investments , Others (39) 175 TOTAL 1,410 1,645 3,

25 FINANCIAL HIGHLIGHTS Yearly 25 Y-o-Y Change Variation (%) Interest Income (a) 23,004 21,776 (1,228) (5) Interest Expended(b) 16,728 15,224 (1,504) (9) Net Interest Income (c=a-b) 6,276 6, Other Income (d) 3,457 2,806 (651) (19) NII + Other Income (e=c+d) 9,733 9,358 (375) (4) Staff Expenses (f) 3,794 3,604 (190) (5) Other Operating Exp(g) 1,706 1, Total Operating Exp (h=f+g) 5,500 5,494 (6) - Operating Profit (i=e-h) 4,233 3,864 (369) (9) Provisions other than Tax(j) , PBT(Profit Before Tax) (k=i-j) 652 (4,389) - - Tax Provision(l) 293 (1,166) - - PAT(Profit After Tax)(m=k-l) 359 (3,223) - - *Expenses reimbursed to employees on declaration basis(41 Cr) are regrouped under staff expenses due to non applicability of GST.

26 INTERESTANALYSIS Yearly 26 Y-o-Y Change Variation (%) Interest Income on Advances 16,856 15,723 (1,133) (7) Interest Income on Investments 5,331 5,200 (131) (2) Interest on Call Money Lending / Repo& Others TOTAL INTEREST INCOME 23,004 21,776 (1,228) (5) Interest Paid on Deposits 15,406 13,724 (1,682) (11) Interest on Bonds Other Interest Expenditure TOTAL INTEREST EXPENDITURE 16,728 15,224 (1,504) (9) Net Interest Income (NII) 6,276 6,

27 OTHER INCOME Yearly 27 Y-o-Y Change Variation (%) Commission & Brokerage (47) (6) Net Profit from FX Transactions (2) (1) Recovery in Written Off A/c s Miscellaneous Income Total (Excl. Trading Profit) 1,717 1, Net Profit on Sale of Investments 1, (794) (46) GRAND TOTAL 3,457 2,806 (651) (19)

28 Provisions & Contingencies Yearly 28 Y-o-Y Change Variation (%) Provision for NPA 3,545 7,620 4, Bad Debts Written Off (62) (42) Provision for Income Tax 293 (1,166) (1,459) (498) Standard Assets (190) (46) - - Restructured Assets (179) (69) - - Depreciation on Investments Others (28) (35) TOTAL 3,874 7,087 3,213 83

29 KEY PARAMETERS Quarterly (Domestic) Parameters Jun., Sep., Values in % Cost of Deposits Yield on Advances Cost of Funds Yield on Funds Return on Assets 0.23 (0.28) 0.15 (1.33) (2.92) Yield on Investments Net Interest Margin (NIM)

30 KEY PARAMETERS Quarterly (Global) Values in % 30 Parameters Jun., Sep., Cost of Deposits Yield on Advances Cost of Funds Yield on Funds Return on Assets 0.14 (0.34) 0.14 (1.13) (2.87) Yield on Investments Net Interest Margin (NIM)

31 KEY PARAMETERS Yearly(Domestic) Parameters (12M) (9M) Values in % (12M) Cost of Deposits Yield on Advances Cost of Funds Yield on Funds Return on Assets 0.19 (0.48) (1.09) 31 Yield on Investments Net Interest Margin (NIM)

32 KEY PARAMETERS Yearly(Global) Values in % 32 Parameters (12M) (9M) (12M) Cost of Deposits Yield on Advances Cost of Funds Yield on Funds Return on Assets 0.12 (0.44) (1.05) Yield on Investments Net Interest Margin (NIM)

Key Ratios Net Interest Margin (NIM) (in %) Yearly Movement of N I M (Global) Quarterly Movement of N I M 2.44 2.37 2.28 3.16 2.79 Domestic Global Values in % 2.74 2.

33 Key Ratios Net Interest Margin (NIM) (in %) Yearly Movement of N I M (Global) Quarterly Movement of N I M Domestic Global Values in % Quarterly Movement of Cost to Income Ratio Quarterly Movement of Employee Cost

34 Overseas Branch Performance 34 ` in Crores ` in Crores ` in Crores `Growth % Y-o-Y Change over Dec, Business 61,706 77,999 73, (6) Deposits 26,018 34,422 31, (8) Advances 35,688 43,577 41, (4) Gross NPA 1,948 1,919 2, Net NPA (35) (23) Gross NPA (%) Net NPA (%)

35 Overseas Branch Performance-Quarterly ` in Crores Quarterly Growth % ` in Crores ` in Crores Y-o-Y Change over Dec, March., Yearly March., Growth % Y-o-Y 35 Net Interest Income (22) (18) Operating Profit (54) (37) (11) Net Profit (44) 7 (285) - - (157) (348) - Yield on Advances (%) Cost of Deposits (%) Yield on Funds (%) Cost of Funds (%) Return on Assets (%) (0.49) 0.06 (2.59) (0.42) (0.80) NIM (%)

36 Capital Business Adequacy Position Ratios - Basel III 36 Jun., Sep., Regulatory Total Capital () Risk Weighted Assets () 21,347 21,512 22,128 22,194 22,413 1,77,481 1,74,905 1,81,845 1,86,868 1,83,091 Common Equity Tier I 7.50% 7.45% 7.23% 7.15% 7.56% Additional Tier I 1.76% 1.79% 1.97% 1.91% 1.85% Tier I 9.26% 9.24% 9.20% 9.06% 9.41% Tier II 2.77% 3.06% 2.97% 2.82% 2.83% CRAR 12.03% 12.30% 12.17% 11.88% 12.24%

EQUITY VALUE 37 4.21 Earnings Per Share (Annualised) (34.

07% Book Value Per Share 154.64 Insurance Cos. 10.98% 105.

37 EQUITY VALUE Earnings Per Share (Annualised) (34.00) EQUITY HOLDING PATTERN As on Govt. of India 73.07% Book Value Per Share Insurance Cos % Others 6.38% FIIs & FPIs 3.00% Bodies Corporate 1.24% Mutual Fund & UTI 2.74% Banks & FIs 2.59%

38 EQUITY Business VALUE Position 38 Jun., Sep., Earnings Per Share (`) 4.21 (11.64) (3.49) (15.34) (34.00) Book Value Per Share (`) Return on Equity (%) 3.02 (8.68) (2.58) (11.36) (26.68) No. of Shares ( in Crs.) Share Capital (` in Crs.) Market Capitalisation (` in Crs.) 6, , , , ,858.93

39 BRANCH NETWORK Villages covered under FI Scheme 6,953 Satellite Offices Branches opened during Q4 (-18) 76 Branches opened during Q4 ( ) Metro Urban 813 1,091 Semi-Urban 1,127 1,190 Rural 1,239

40 Alternate Business Delivery Position Channels 40 Internet Banking : Lakhs (12.66 Lakhs)+3.55% customers ATMs 4,248(4,171) Mobile Banking : 15.11Lakhs (12.85Lakhs)+14.96% customers SMS Banking : Lakhs (62.84 Lakhs)+16.25% customers Figures in bracket represents as on

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