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Movement of business parameters. [ Amt. in Rs. Crore ] During Qtr./ As on QE Q3 vs Q4 Change (%) Performance Highlights During FY/ As on END YoY Change (%) Q3 FY'17 Q4FY'17 2015-16 2016-17 209572 201285-3.95 Total Deposit 207118 201285-2.82 129088 131655 1.99 Total Advance 135508 131655-2.84 4864 3907-19.68 Total Income 20157 18440-8.52 976 609-37.56 Net Interest Income 4848 3817-21.27 889 119-86.62 Operating Profit 3603 2926-18.80 1326 707-46.67 Provisions 6403 4777-25.39-437 -588 34.57 Net Profit -2799-1851 -33.89 22181 22541 1.62 Gross NPA (Rs.Cr.) 20908 22541 7.81 17.18 17.12 - Gross NPA % 15.43 17.12-10545 10703 1.50 Net NPA (Rs.Cr.) 11444 10703-6.47 8.99 8.94 - Net NPA % 9.09 8.94-32.78 33.92 - CASA (Domestic)(%) 31.68 33.92 - -0.77-1.07 - ROA (%) -1.25-0.75-1.72 1.11 - NIM (Global) 2.16 1.56-1.79 1.11 - NIM (Domestic) 2.30 1.60 - - 61.17 NPA Prov coverage 53.87 61.17 60.40-63.74 63.98 0.37 Book Value per share (Rs.) 94.43 63.98-32.25 3
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Deposit components [ Amt. in Rs. Crore ] Parameters As on 31-March'17 As on 31-Dec'16 As on 31-March 16 A) Deposit (Domestic) (i+ii+iii) 185102 192358 190885 Current 11323 9928 20028 Savings 51456 53125 40438 i. CASA 62779 63053 60466 Share of CASA (%) 33.92% 32.78 % 31.68% ii. Normal Term Deposit (< Rs. 1 Cr) 88297 85846 79066 iii. Bulk Deposit (>= Rs. 1 Cr)+ CD 34026 43449 51353 B) Deposit (Overseas) 16183 17214 16233 C)Total Deposit (Global) 201285 209572 207118 5
CASA Movements (Domestic) [ Amt. in Rs. Crore ] As on Parameters 31-March'17 31-Dec'16 31-March 16 CASA Current Accounts Saving Accounts Rs. Crore 62779 63053 60466 % of Domestic Dep. 33.92% 32.78 % 31.68 % Rs. Crore 11323 9928 20028 % of Domestic Dep. 6.12 5.16 % 10.49 % Rs. Crore 51456 53125 40438 % of Domestic Dep. 27.80% 27.62 % 21.19 % 6
Domestic Investment Portfolio as on 31-03-2017 [ Amts. in Rs. Crore ] Investment in SLR (G Sec) Portfolio Amount INR Crore % to NDTL HFT 125 0.06 AFS 22050 11.45 HTM 37746 19.59 Sub Total (Investment in SLR) 59921 31.10 Investment in Non - SLR HFT 0 0 AFS 5716 2.97 HTM 6991 3.63 Sub Total (Investment in Non - SLR) 12707 6.60 Gross Total (SLR + Non-SLR) 72628 37.70 Deposits, Advances & Investments 7
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Income, Expenditure & Profit (Global) [ Amt. in Rs. Crore] During Change During Change Q4 FY'17 Q4FY 16 Amt. % FY'17 FY'16 Amt. % I)Total Income (a+b) : 3907 4746-839 -17.67 18440 20157-1717 -8.52 a)interest Income 3614 4358-743 -17.06 16326 18561-2235 -12.04 Interest on Advances 2151 2636-486 -18.45 9871 12293-2422 -19.70 Income on Investments 1256 1574-317 -20.14 5734 5663 71 1.26 Other Interest Income 207 148 60 40.46 720 605 116 19.14 b)other Income 292 388-95 -24.58 2114 1596 518 32.46 II)Total Expenses 3788 4178-390 -9.33 15514 16554-1040 -6.28 Interest Paid 3005 3425-420 -12.25 12509 13713-1204 -8.78 Operating Expenses 783 753 30 3.93 3005 2841 164 5.78 III)Operating Profit (I-II): 119 568-449 -79.05 2926 3603-677 -18.80 IV)Provisions 707 2284-1576 -69.02 4777 6403-1626 -25.39 V)Net Profit (III-IV) : -588-1716 1127-65.71-1851 -2799 949-33.89 Net Interest Income 609 933-324 -34.70 3817 4848-1031 -21.27 Financials & performance indicators 9
Ratio Analysis During During During During Q4 FY'17 Q4FY'16 FY'17 FY'16 Q4 FY'17 Q4FY'16 FY'17 FY'16 Cost of Deposit (%) 5.67 6.03 6.11 Cost of Deposit (%) Yield on Performing Advances (%) 5.67 8.54 6.03 9.10 5.83 6.11 10.17 Yield on Performing Advances (%) Yield on Investment (%) 8.54 6.747 9.10 7.84 9.60 10.17 7.87 Net Yield Interest on Investment Margin Global (%) (%) 6.77 1.11 7.84 1.63 7.78 7.87 2.16 Net Interest Margin Domestic Global (%) (%) 1.11 1.63 1.70 1.56 2.30 2.16 Net Interest Cost to Margin Income Domestic Ratio (%) (%) 86.81 1.11 57.02 1.70 1.60 47.19 2.30 GNPA GNPA (%) (%) 17.12 17.12 15.43 15.43 17.12 15.43 15.43 NNPA (%) NNPA (%) 8.94 8.94 9.09 9.09 8.94 9.09 9.09 NPA Provision Coverage (%) 53.87 53.87 NPA Provision Coverage (%) 61.17 53.87 61.17 53.87 CRAR (Basel-III) (%) 9.63 9.63 CRAR (Basel-III) (%) 10.93 9.63 10.93 9.63 Financials & performance indicators 10
Profitability Indicators During During Q4 FY'17 Q4FY'16 FY'17 FY'16 Return on Assets (%) -1.07-3.00-0.75-1.25 Return on Equity (%) -25.59-67.36-20.94-27.48 Book Value per Share (Rs.) 63.98 94.43 63.98 94.43 Earnings per Share (Rs.) -3.77-15.95-13.29-26.03 Net Worth 9586.70 9720.32 9586.70 9720.32 Operating Profit to AWF (%) 0.22 0.99 1.19 1.61 Net-interest income to AWF (%) 1.11 1.63 1.56 2.16 Non-interest income to AWF (%) 0.53 0.68 0.86 0.71 Financials & performance indicators 11
Capital Adequacy [ Amt. in Rs. Crore] PARAMETERS 31-03-2017 31-03-2016 31-12-2016 Credit Risk 91936.32 98067.79 95953.44 Market Risk 14115.93 19178.98 16112.19 Operational Risk 13279.75 12702.33 13279.75 Total Risk Weighted Assets 119332 129949.10 125345.38 Tier I Capital Fund 9868.74 9915.83 10275.69 Tier II Capital Fund 3176.36 2598.98 2582.04 Total Capital Fund 13045.10 12514.81 12857.73 CET 1 (%) 7.64 7.52 7.60 BASEL - III Tier I (%) 8.27 7.63 8.20 Tier II (%) 2.66 2.00 2.06 Capital Adequacy Ratio (%) 10.93 9.63 10.26 Financials & performance indicators 12
Restructured Standard Assets Q4FY 17 Details Amt.(Cr.) Total Restructured Assets as on 01 Jan 2017 5846.26 Add: Standard Accounts restructured during Q4FY 17 0.00 Less: Total Standard Restructured accounts closed during Q4FY 17 704.80 Add: Increase/Decrease in O/s balance 51.28 Less: Standard Restructured Slipped to NPA 628.07 Total Standard Restructured as on 31 March 2017 4564.67 % age of Restructured Advances to Total Loans and Advances as on 31/03/2017 3.46 Financials & performance indicators 13
Industry wise break-up of Restructured Standard assets As on 31-03-2017 As on 31-12-2016 Industry As on 31-03-2016 1814.82 2693.49 Power and Distribution 2080.04 1248.29 1257.12 Infrastructure 1237.64 1053.09 1412.26 Iron and Steel 1243.15 0.00 0.00 Aviation 0.00 0.00 0.00 Information technology 0.00 448.47 483.39 Others 789.61 4564.67 5846.26 Total 5350.44 Financials & performance indicators 14
Movement of NPA Q-o-Q [ Amt. in Rs. Crore ] Parameters Gross NPA (Opening Balance at the beginning of Qtr) As on / during the QE Dec'16 As on / during the QE Mar'17 As on / during the QE March'16 22275.51 22181.26 14931.80 Fresh Slippage (during the Qtr) 1713.99 3042.61 7795.01 Recovery + Up gradation 1155.22 1507.36 1647.04 Write off 653.02 1175.56 172.04 Gross NPA (Amt.) 22181.26 22540.95 20907.73 Gross NPA (%) 17.18 17.12 15.43 Net NPA (Amt.) 10544.98 10703.39 11443.59 Net NPA (%) 8.99 8.94 9.09 Financials & performance indicators 15
Sector wise NPAs (Domestic) [ Amt. in Rs. Crore ] Parameters As on / during the QE March 17 Dec 16 March'16 1 Agriculture & Allied Activities 2232.21 1902.39 1650.84 2 Micro & Small Industries 1626.42 1774.97 1639.14 3 Medium Industries 1145.84 925.06 1146.08 4 Large Industries 13963.38 13665.77 11817.96 5 Services 1193.50 1075.08 2079.16 6 Retail 1450.99 1618.34 1481.64 7 All Others 86.47 361.16 291.13 Total 21698.81 21322.77 20105.95 Financials & performance indicators 16
Performance towards Financial Inclusion Initiatives During Q4 FY17 Cum. as on 31.03.2017 Villages covered with > 2000 population (a) 1816 through Branches 378 through BCs 1438 Villages covered with < 2000 population (b) 14345 through Branches 35 through BCs 14310 Total no. of villages covered (a) + (b) 16161 Total no. of No frill accounts opened (In lakh) 2.54 101.83 No. of Smart card issued (In lakh) 21.86 No. of transactions in the a/cs opened under ICT based BC model during the year (in lakh) 84.11 160.38 No. of KCCs extended (In lakh) -0.84 6.17 No. of GCCs extended (In lakh) 0.44 No. of all other Deposit accts (In lakh) 3.48 255.01 No. of all other Advance accts (In lakh) -0.63 14.40 No. of SHGs credit linked 1192 93703 No. of JLGs credit linked 488 5915 Major Initiatives 17
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