Growth Powered by Technology, Driven by Customers. Financial Results 31 st March 2017
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- Rosalind Hudson
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1 Financial Results 31 st March 2017
2 Performance Highlights Q4 FY NET INTEREST INCOME ` cr NON INTEREST INCOME ` Rs cr OPERATING PROFIT ` Rs cr NET PROFIT ` cr NET INTEREST MARGIN 3.10% 48.05% 65.01% % % Up by 90 bps FY NET INTEREST INCOME ` cr NON INTEREST INCOME ` Rs cr OPERATING PROFIT ` cr NET PROFIT ` cr NET INTEREST MARGIN 2.77% 27.01% 88.96% 56.32% 96.56% Up by 50 bps 2
3 Performance Highlights FY Scaling Greater Heights Total Business reached all time high level to ` 2,29,833 cr CASA improved from % to % Branch & ATM network crossed 2000 mark 24.34% Y-o-Y Growth in Retail Advances Focus on Retail Business 29.09% Y-o-Y Growth in Housing Loans Share of Retail Credit in Gross Advances at % 3
4 Performance Highlights FY Comfortable Capital CRAR (Basel III) at 12.73% Tier I CRAR 9.96 % Tier II CRAR 2.77% Improving Asset Quality Gross NPA reduced to 6.59% from 6.64% (Y-o-Y) Net NPA reduced to 4.36 % from 4.81% (Y-o-Y) Provision Coverage Ratio improved to % From 50.08% (Y-o-Y) 4
5 Business Mix Total Deposits Mar-16 Gr. Advances Mar-17 Total Business Parameters Mar 2016 Mar 2017 Growth (%) Total Deposits Gross Advances Total Business
6 CASA, Retail & Bulk Term Dep Type of Deposit Mar-16 Mar-17 Growth (%) Y-o-Y Dec-16 Growth (%) Q-o-Q Saving Deposits CASA Current Deposits CASA Deposits CASA % increased by 488 bps YoY Retail Term Deposits grew by 7.30 % CASA as % of Total deposits Retail Term Deposits (1.4) Bulk Term Deposits
7 Credit Portfolio Sectors %Growth Y-o-Y %Growth Q-o-Q Total Advances Focus on Retail Diversified Credit Portfolio Priority Sector Advances Agriculture MSME Retail Advances
8 Retail Credit Scheme % Growth Y-o-Y % Growth Q-o-Q Housing Loans Education Loans Mar-16 Dec-16 Mar-17 Other retail loans Retail Credit Total Retail Loans Retail Credit accounts for % of Gross Advances 8
9 Priority Sector Credit Parameters %Growth Y-o-Y %Growth Q-o-Q Priority Sector Advances % to ANBC Mar-16 Mar-17 Agriculture Priority Credit Priority Sector Advances grew by 6.82 % Y-o-Y 9
10 Sector-Wise Credit Portfolio Diversified Credit Portfolio Sectors Mar 16 Mar 17 Dec 16 % to Gross Credit Infrastructure Real Estate(Incl. Housing) NBFC Capital Market Food Credit Iron & Steel All Engineering Other Industries (Textile, Chemicals etc) Retail Loans (Other than Housing) Others (Agri, Services etc) Total Gross Credit
11 Infrastructure Sectors % to total Advances Growth (%) Y-o-Y Growth (%) Q-o-Q Energy (9.90) Transport (1.21) Communication (12.50) Social & Commercial Infrastructure Water & Sanitation Total Infrastructure Lending
12 Exposure to Power Sector Sectors Generation Transmission Distribution Total Exposure as on Central Govt. Undertakings State Govt. Undertakings Private Sector Total Exposure States Generation Transmission Distribution Total State Wise Exposure Karnataka Andhra Pradesh Gujarat Rajasthan Uttar Pradesh Haryana Tamil Nadu Kerala Maharashtra WB Chhattisgarh Delhi Other States TOTAL
13 Investments Particulars %Growth (Y-o-Y) %Growth (Q-o-Q) Investments Govt. Securities (1.4) Other Approved Securities Shares (24.85) 356 (27.81) Debentures & Bonds (42.73) 5496 (35.15) Others Total (5.43) 13
14 Investments 58% 42% Category Mar - 16 June - 16 Sept - 16 Dec -16 Mar -17 HTM AFS % HTM AFS HFT HFT TOTAL Modified Duration AFS 4.80 Entire Portfolio
15 Income & Expenditure 87 % Interest Income 13 % Non - Interest Income Parameters Q4 FY Mar - 16 Mar - 17 Growth % Mar - 16 Mar - 17 Growth % Interest Income Other Income Total Income Interest Expenditure (9.70) (4.82) Operating Expenditure Total Expenditure (3.84)
16 Interest Income Parameters Q4 FY Mar - 16 Mar - 17 Growth % Mar - 16 Mar 17 Growth % Interest on Advances (1.27) Interest on Investments Other Interest (7.69) Total Interest Income
17 Non-Interest Income Q4 FY Parameters Mar - 16 Mar - 17 Growth % Mar - 16 Mar - 17 Growth % Trading Income Recovery in AUC (10.41) Commission, Exchange & Brokerage Profit on Foreign Exchange 12 6 (50) (18.42) Charges PC,IC, Service Charges etc Others Total Non-Interest Income
18 Operating Expenses Parameters Q4 FY Mar - 16 Mar - 17 Variation% Mar - 16 Mar - 17 Variation% Staff Cost w/w Prov. For retirement benefits Other Operating Expenses (2.30) Total Operating Expenses
19 Profit and Profitability Q4 FY Parameters Mar - 16 Mar - 17 Growth % Mar - 16 Mar - 17 Growth % Net Interest Income Operating Profit Net Profit
20 Operating Performance (Quarterly) Net interest income up by % Mar-16 Mar Mar-162 Mar-17 Operating Profit up by % Net Interest Income Fee-based Income Net Profit up by % Mar-16 Mar-17 0 Mar-16 Mar-17 Operating Profit Net Profit 20
21 Operating Performance (Yearly) Net interest income up by % Mar Mar Mar Mar-17 Operating profit up by % Net Interest Income Non-interest Income Net profit up by % Mar-16 Mar-17 0 Mar-16 Mar-17 Operating Profit Net Profit 21
22 Provisions Parameters Mar - 16 Mar - 17 Q4 FY Increase/ (Decrease)% Mar - 16 Mar - 17 Increase/ (Decrease)% Total Provisions & Contingencies Provisions for NPA (51.33) (11.04) Provisions for Investment (21.33) Provision for Taxation (410.28) (223.44) Other Provisions (33.01)
23 Key Ratios (Quarterly) Ratios Mar 16 Mar 17 Dec 16 Cost of Deposits Yield on Advances Yield on Investments Cost of Funds Yield on Funds NIM RoA Return on Equity Cost to Income (In Percent) 23
24 Key Ratios (Annual) (In Percent) Ratios Mar 16 Mar 17 Cost of Deposits Yield on Advances Yield on Investments Cost of Funds Yield on Funds NIM RoA Return on Equity Cost to Income
25 Productivity Annual Parameters Mar - 16 Mar - 17 Dec 16 Business per Employee Business per Branch
26 Capital Funds (Basel III) Quarterly Particulars Mar- 16 Dec- 16 Mar- 17 Capital Common Equity Tier Additional Tier Tier II Total Risk Weighted Assets CRAR Total CRAR (%) Tier I CRAR Tier II CRAR
27 Book Value (In Rs.) 71 As on Paid up sh. Capital Rs. 999 Cr. Networth Rs Cr
28 Asset Quality Parameters Gross NPA Gross NPA (%) Net NPA Net NPA (%) Provision Coverage Ratio (%)
29 Gross NPA & Net NPA In Percent Gross NPA % Net NPA % 29
30 NPA Movement Particulars Q1 Q2 Q3 Q4 FY Opening Balance Additions Off Which : Slippage from Restructured Reductions Cash Recovery-Ledger Balance Upgradation Write-Off Gross NPA
31 Sector Wise Classification of NPAs Sector/Scheme % to Gr. NPA % to Adv. in the sector Agriculture MSME Education Housing Personal Iron & Steel Engineering Textile Infra -Power Infra-Roads & Ports Infra-Others Others Sectors Total
32 Restructuring : Total Loans Restructured Details Industrial Loans MSME Agricultural Loans Housing Loans Infrastructure CRE Other Loans Total NPA o/s
33 S4A,SDR AND FLEXIBLE STRUCTURING DETAILS Name of the scheme Number of borrowers Balance outstanding NPA S4A SDR /
34 Expanding Network Delivery Channels Mar 2016 Mar 2017 Branch Network ATM Strength Branch Spread 464 Geographical Centre-Wise Branches Metro Urban Semi-Urban Rural Central South North East West North East 34
35 Shareholding Pattern 17% 2% 1% 10% 70% Govt of India Individuals DIIs FIIs Other Corp Shareholding Pattern :
36 Digital Banking Improving mobile transactions Mar-16 Mar Mobile Banking Users (in Lakh) Mar Mar-17 Internet Banking Users (In Lakh) Expanding Digital Presence Mar-16 Mar-17 Debit Card Base (In lakh) 36
37 Customer Analytics (lakhs) Particulars Mar 2016 Mar 2017 (In Lakhs) Customer Base Advances Clientele Deposits Clientele Total Customer Base Trust of over 154 Lakhs customers 37
38 Digital Initiatives Social Media Digital Banking Leadership among nationalized banks in Social Media First PSB to start the initiative 38
39 Awards & Accolades : Recognition Galore!! Award for outstanding performance under Pradhan Mantri Awas Yojana (Urban) through innovative initiatives. Best Performance Award among Public Sector Banks for financing Backward Class. Award for Excellence in MSE Sector by Govt. of India. Rajbhasha Kirti Puraskar award by Honourable President of India. Best Bank for Electronic Payments among Mid-Size Banks from IDRBT, Hyderabad. 39
40 THANK YOU 40
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Total Business Gross Advances Total Deposits 12.05% 9.91% 13.82% NIM CASA. CRAR Basel III 2.59% 11.20% 12.52%
1 Total Business Gross Advances Total Deposits 12.05% 9.91% 13.82% CASA NIM CRAR Basel III 12.52% 2.59% 11.20% 2 PARTICULARS 31.03.2015 31.03.2016 No. of Share % Holding No. of Share % Holding Govt of
Capital Adequacy Ratio (Basel III) Earnings Per share, Book Value Per Share & Share Holdings Pattern
1 Sl. No. Areas of Presentation Slide No 1 Highlights 3 2 Business Cross Section 4 3 Domestic CASA 5 4 Domestic Advances 6 5 Retail Credit Components 7 6 Industry & NBFC Exposure 8 7 Restructured Advances,
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