The Bank that begins with. Financial Results Q3 ( )

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1 The Bank that begins with Financial Results Q3 ( )

2 HIGHLIGHTS Total Business at Rs crore, with a y-o-y growth of 19.78%. Highlights Total Deposits increased to Rs crore, up by 19.34% Y-o-Y. Total Advance rose to Rs crore, growth of 20.40% Y-o-Y. CASA deposits increased to Rs crore as against Rs crore last year registered a growth of 6.21%.

3 HIGHLIGHTS NINE MONTHS Highlights Interest Income increased to Rs crore with a Y- o-y growth of 13.33% from Rs crore last year. Other Income rose to Rs. 895 crore from Rs. 716 crore last year,with a Y-o-Y growth of 25.11%. Interest Expenditure grew by 19.65% to reach Rs crore as compared to Rs crore last year. Operating Expenditure increased to Rs crore with a yearly growth of 12.82% from Rs crore last year. Operating profit at Rs crore as against Rs crore during corresponding period of last year

4 HIGHLIGHTS Q Highlights Interest Income increased to Rs crore with a Y- o-y growth of 18.13%. Other Income stood at Rs. 221 crore as against Rs 258 Crore last year. Interest Expenditure increased by 17.45% to reach Rs crore over the corresponding period last year. Operating Expenditure increased to Rs. 437 crore with a yearly growth of 16.00% Operating profit at Rs. 545 crore from Rs. 516 crore last year with a Y-o-Y +ve growth of 5.69%.

5 BUSINESS PROFILE Amt. in Rs. Crore Dec 12 Mar 13 Jun 13 Sep 13 Dec 13 Y-o-Y Growth(%) Total Business % Total Deposits % Total Advances % CD Ratio (%) bps

6 COMPOSITION OF DEPOSITS Amt. in Rs. Crore Dec 12 Mar 13 Jun 13 Sep 13 Dec 13 Y-o-Y Growth(%) Savings Deposits Current Deposits CASA Deposits % % % CASA (%) % Term Deposits %

7 COMPOSITION OF CREDIT PORTFOLIO Dec 12 Mar 13 Jun 13 Sep 13 Dec 13 Amt. in Rs. Crore Y-o-Y Growth (%) Priority Sector % Agriculture Credit % MSE Advance % Other Priority sector % Retail Advance % Housing % Education % Car Loan % Personal Loan & Oth % Large & Mid corporate % TOTAL ADVANCES %

8 Rs. In Crore TOTAL BUSINESS Up by 19.78% (Y-o-Y) Dec - 12 Mar-13 June -13 Sept - 13 Dec - 13

9 Rs. In Crore DEPOSITS Up by 19.33% (Y-0-Y) Dec - 12 Mar - 13 June -13 Sept - 13 Dec - 13

10 Rs. In Crore ADVANCES Up by 20.40% (Y-oY) Dec - 12 Mar - 13 June-13 Sept - 13 Dec - 13

11 INVESTMENTS Amt. in Rs. Crore Dec 12 Mar 13 Jun 13 Sep 13 Dec 13 Investments(Domestic) Held to Maturity Available for Sale Held for Trading

12 RATIO - Q Highlights Contd NIM stands at 2.65% as compared to 1.88% last quarter. CD Ratio increased to 71.87% as compared to 71.04% in last quarter. Yield on Investment improved to 7.93%. Yield on Advance 10.52% as compared to 10.50% last quarter. Cost of Deposits decreased to 6.74% as compared to 7.42% last quarter. Cost to Income Ratio stands at 44.49% from 52.46% last quarter.

13 Income and Profitability Rs. in Crore Nine Months Parameters 31 rd st Quarter Net Interest Income Operating Profit Provision & Contings Net Profit

14 QUARTERLY- INCOME, EXPENDITURE AND PROFIT (Amt. in Crore) Q- 3 ( ) Q- 4 ( ) Q- 1 ( ) Q- 2 ( ) Q- 3 ( ) Growth (%) (Y-o-Y) Interest Income % Interest Expenditure % Net Interest Income % Non-Interest Income % Total Income % Total Expenditure % Operating Expenses % Employee Cost % Operating Cost % Operating Profit % Net Profit %

15 Comm, Exch & Brokerage Q- 3 ( ) OTHER INCOME Amt. in Rs. Crore Q- 4 ( ) Q- 1 ( ) Q- 2 ( ) Q- 3 Growth ( ) (%) (Y-o-Y) % Profit from Trading % Profit from Exchange Trans. Bad Debt Realisation % % Other Misc. Income % Total Other Income %

16 ASSET QUALITY Assetquality The reduction in NPA has been Rs. 913 crore against Rs. 702 crore last year However, due to fresh slippage of Rs crore Gross NPA has increased to Rs crore from Rs crore last year. Gross NPA ratio stands at 10.82% in comparison to 7.52% in last quarter. Total restructured stands at Rs.5524 crore, out of which fresh restructuring in current year Rs 1003 crore required additional provision of Rs. 153 crore.

17 CAPITAL ADEQUACY CAIPTAL ADEQUACY RATIO Basel III Basel II CRAR of 9.01% Tier I ratio at 5.59% Tier II ratio at 3.42% CRAR of 9.93% Tier I ratio at 6.12% Tier II ratio at 3.81%

18 TREND IN COST AND YIELD (%) Q- 3 ( ) Q- 4 ( ) Q- 1 ( ) Q- 2 ( ) Q- 3 ( ) Cost of Deposits Cost of Funds Yield on Advances Yield on Funds Yield on Investments

19 PRODUCTIVITY RATIOS *Annualised Business Per Employee(Rs/Cr.) Business Per Branch(Rs/Cr.) Gross Profit Per Employee(Rs/ Lac)* Gross Profit Per Branch (Rs/ Lac)* Dec 12 Mar 13 Jun 13 Sep 13 Dec

ASSET QUALITY Dec 12 Mar 13 Jun 13 Sep 13 Dec 13 Gross NPA (Rs./Crore) 2901.71 2963.82 4001.74 6285.89 8545.50 Gross NPA ( %) 4.42 4.25 5.59 7.

20 ASSET QUALITY Dec 12 Mar 13 Jun 13 Sep 13 Dec 13 Gross NPA (Rs./Crore) Gross NPA ( %) Net NPA (Rs/Crore) Net NPA Ratio (%) PCR (%)

21 MOVEMENT OF NPA Amount in crore Q- 3 ( ) Q- 4 ( ) Q- 1 ( ) Q- 2 ( ) Q- 3 ( ) Opening Balance Reduction Upgradation (-) Cash Recovery (-) Write-off (-) Fresh Slippages(+) Closing Balance

22 COMPOSITION GROSS NPA Amt. in Rs. Crore Dec 12 Mar 13 Jun 13 Sep 13 Dec 13 Substandard Assets Doubtful Assets Loss Assets Total NPA

23 SECTORAL NPA Amt. in Rs. Crore Dec 12 Mar 13 Jun 13 Sep 13 Dec 13 Agriculture SME Housing Loan Education Loan Car Loan Medium Industry Large Industry Others Total

24 RESTRUCTURED ACCOUNTS Amt in Rs crore Particulars Mar 13 June 13 Sep 13 Dec 13 Total Advances Of which NPA Restructured Advances Of which NPA Fresh Restructured during the quarter/increase in Balance Closed / Recovery during the quarter Restructured A/c Slippage to NPA during the Quarter/ fresh NPA restructure Closed/Recovery of NPA Restructured A/C during the quarter

25 RESTRUCTURED ADVANCES Amt. in Rs. Crore Dec 12 Mar 2013 Dec 13 Growth Y-o-Y Agriculture % MSME % Housing % Large Advances % Others % Total %

26 FINANCIAL INCLUSION HOLISTIC APPROACH TO FINANCIAL INCLUSION Bank is the SLBC convener in two states, West Bengal & Tripura Lead responsibility in 34 districts. Under FI initiatives Bank covered all the allotted 1858 villages (spread across 11 states and 1 UT) with population above 2000 for providing banking facilities. Under Direct Benefit Transfer (DBT), Bank has its presence in 67 districts with 240 Branch. Subsidy to the tune of Rs Crore has been disbursed through APBS/NACH channel in the DBT Districts during the 3 rd Quarter of F.Y lakhs Basic Savings Bank accounts (BSBD) opened during the quarter, taking the number of BSBD to lakhs, with Rs crore balance as at December 13.

27 FINANCIAL INCLUSION 5.20 lakh new smart cards were delivered during the quarter with a cumulative Smart Cards delivery of lakh to the FI beneficiaries as at December 13. HOLISTIC APPROACH TO FINANCIAL INCLUSION Credit linkage has been made to 6.68 lakh customers with an outstanding amount of Rs crore. Opened 1758 Ultra Small Branches to cater to the financially excluded population. As at 30 th December 13, Bank has opened 34 Financial Literacy Centres covering all 34 Lead Districts. Financial Literacy Centres have organized 212 workshops wherein 7771 persons attended and 4441 were converted as Bank s customer till December 2013.

28 REGIONAL RURAL BANKS HOLISTIC APPROACH TO FINANCIAL INCLUSION Bank has sponsored 4 RRBs, Bangiya Gramin Vikash Bank (West Bengal), Assam Gramin Vikas Bank (Assam), Tripura Gramin Bank (Tripura) and Manipur Rural Bank (Manipur). Combined branch network of the sponsored RRBs is 1127 with a combined business of Rs crore as on Out of the above, Bangiya Gramin Vikas Bank is second largest in the country in terms of branch network All the branches of the RRBs are CBS enabled.

29 GOALS FOR FY-14 On the Move 3 Crore Customer Base Branch Network ATM Network. 45% CASA 5 E-Lounges

30 We re everywhere for you Thank you

The Bank that begins with. Financial Results Q-3 / FY

The Bank that begins with. Financial Results Q-3 / FY The Bank that begins with Financial Results Q-3 / FY 2017-18. Results at a Glance Q-3(FY 2017-18). Performance Parameter (Rs/Cr) Q3-18 Ratio for Q-3 (in %) Q3-18 Operating Profit 182 Return on Assets -1.82