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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%
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
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 28,496 6 4,961 1 Global Deposits 2,60,561 2,71,712 2,72,776 12,215 5 1,064 - Global Advances 2,07,065 2,19,449 2,23,346 16,281 8 3,897 2 Domestic Business 4,05,920 4,13,162 4,22,569 16,649 4 9,407 2 Domestic Deposits 2,34,543 2,37,290 2,41,092 6,549 3 3,802 2 Domestic Advances 1,71,377 1,75,872 1,81,477 10,100 6 5,605 3 Overseas Business 61,706 77,999 73,553 11,847 19 (4,446) (6) Overseas Deposits 26,018 34,422 31,684 5,666 22 (2,738) (8) Overseas Advances 35,688 43,577 41,869 6,181 17 (1,708) (4)
CASA Deposits As At Y-o-Y Growth Q-o-Q Growth Amt. % Amt. % CASA Deposits (Global) 75,865 76,458 80,409 4,544 6 3,951 5 Current Deposits 11,608 11,031 12,063 455 4 1,032 9 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 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
CASA Deposits - Domestic 6 75,792 32.32% 76,385 32.19% 80,362 33.33%
Domestic Advances 7 Y-o-Y Growth Growth over Amt % Amt % Domestic Advances (Gross) 1,71,377 1,75,872 1,81,477 10,100 6 5,605 3 R etail Credit 33,716 (20%) 34,178 (19%) 35,919 (20%) 2,203 7 1,741 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%) 325 1 353 1 Total R A M 92,698 (54%) 96,006 (55%) 97,047 (53%) 4,349 5 1,041 1 Note: Retail Credit Includes schematic lending and others such as staff advances etc. % age expressed on Gross Domestic Advances
Priority Sector Credit 8 Y.O.Y Growth Amount % % age to ANBC Level Mandatory Requirement Priority Sector Advances 67,905 73,189 73,149 5,244 8 43 40 Agriculture 31,878 34,782 33,466 1,588 5 20 18 Other Priority Sector 36,027 38,407 39,683 3,656 10 23 Small and Marginal farmers Advances to Weaker Section 15,569 17,899 18,328 2,759 18 11 21,144 23,842 24,710 3,566 17 14 10 Advances to Minority* 10,611 11,018 11,060 449 4 15 15 Advances to Women 18,103 19,945 20,455 2,352 13 12 5 ANBC Level 1,69,611 1,68,907 1, 71, 570 * as % age to Priority Sector Advance
Retail Credit Components 9 Growth Y.O.Y Growth over Amount % Amount % Housing Loans 14,981 16,535 17,309 2,328 16 774 5 Education Loans 2,893 3,040 3,032 139 5 (8) - Vehicle Loans 3,001 3,085 3,065 64 2 (20) (1) Personal Loans 3,445 3,502 3,553 108 3 51 1 Gold Loans - Non Priority 786 883 879 93 12 (4) (0) Mortgage Loans 2,558 2,759 3,364 806 32 605 22 Retail Others 6,052 4,374 4,717 (1,335) (22) 343 8 Total Retail Credit 33,716 34,178 35,919 2,203 7 1,741 5
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 5,721 68 (537) (6) Cement 824 1,010 1,023 1-199 24 Textiles 2,794 2,732 2,543 664 26 (251) (9) Aviation- Services 1,117 1,041 1,024 - - (93) (8) Total (a) 13,712 13,319 13,030 6,386 49 (682) (5) Power 15,088 13,103 13,867 1,356 10 (1,221) (8) State Owned 8,832 7,709 8,665 238 3 (167) (2) Private Owned 6,256 5,394 5,202 1,118 21 (1,054) (17) Roads & Ports 4,282 4,174 4,008 762 19 (274) (6) Aviation 173 - - - - (173) (100) Telecom 2,710 2,324 1,860 1,124 60 (850) (31) Infrastructure (b) 22,253 19,601 19,735 (11%) (9%) (9%) 3,242 16 (2,518) (11) NBFC (c) 20,297 21,950 25,672 (10%) (10%) (11%) - - 5,375 26 TOTAL(a+b+c) 56,262 54,870 58,437 9,628 16 2,175 4 10 % age expressed on Gross Global Advances
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 42 35 35 % to Investment 0.06% 0.04% 0.04% Gross Investment 66,080 80,126 81,578 Depreciation & Provision for NPI 615 856 1,224 Net Investment 65,465 79,270 80,354 Net Profit on Sale of Investments (Quarterly) 515 135 56 11
Restructured Advances 12 CDR No.: of Accounts 23 14 14 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
Restructured Accounts As On Y-o-Y Change over Dec, Increase/ (Decrease) Corporate 1,004 311 211 (793) (100) Agriculture 1,659 2,134 1,546 (113) (588) MSME 36 12 22 (14) 10 Power 1,553 428 107 (1,446) (321) DISCOMS 708 101 - (708) (101) Others 845 327 107 (738) (220) Retail 40 40 35 (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 3,929 968 1,040 7,253 5,814 5,850 (1,403) 36 13
Restructured Advances Quarterly F.Y Ended 14 Restructured Advances(Fresh) 142 161 42 845 650 Slippage to NPA from RA 30 99 870 664 1282 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 142 161 42 845 650 Increase in Existing A/c/ Upgradation From NPA 87 14 21 349 27 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 8.50 9.39 9.62 11.53 Restructured (STD) Ratio 2.08 1.57 1.33 0.86 Stressed Asset Ratio 11.17 10.58 10.96 12.39
NPA Details Gross NPA 20,184 20,177 21,103 17,609 25,759 15 Mar, Jun, Sep, Dec, Mar, Net NPA 10,411 12,188 11,894 11,410 13,239 Mar, Jun, Sep, Dec, Mar,
NPA and Provision Coverage Ratio Quarterly Movement Values in % 16 11.53 9.96 9.39 9.62 8.50 6.27 5.21 5.76 6.28 5.44 Jun., Sep., Gross NPA % Net NPA % 56.37 Provision Coverage Ratio (PCR) 54.80 56.21 59.93 60.71 Jun., Sep.,
NPA Movement (Quarterly) Quarterly A. Gross NPA at the Beginning 16,948 20,177 21,103 B. Deduction: (i) Upgradation 269 311 469 (ii) Recoveries 501 498 741 (iii) Write off (incl. Prudential) 438 540 762 TOTAL 1,208 1,349 1,972 C. Additions: (i) Fresh NPA 1784 2,219 6,331 (ii) Increase due to operations 85 56 297 TOTAL 1,869 2,275 6,628 Gross NPA at the End (A-B+C) 17,609 21,103 25,759 17
NPA Movement (Yearly) FY Ended March., 17 FY Ended March., 18 18 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 768 777 TOTAL 8,138 14,310 Gross NPA at the End (A-B+C) 17,609 25,759
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 1,213 49 11 III.MSME 2,295 3,166 3,406 240 8 12 IV. INDUSTRIES- LARGE 9,261 12,174 15,472 3,298 27 18 TOTAL 15,562 19,184 23,731 4,547 24 13
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) 1,125 569 689 (39) 21 NII + Other Income (e=c+d) 2,986 2,192 2,368 (21) 8 Staff Expenses (f) 1,073 961 892 (17) (7) Other Operating Exp(g) 399 456 541 36 19 Total Operating Exp (h=f+g) 1,472 1,417 1,433 (3) 1 Operating Profit (i=e-h) 1,514 775 935 (38) 21 Provisions other than Tax(j) 1,268 2,090 3,938 211 88 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 Performance Net Profit 2015-16 2016-17 -18 359 Net Interest Income (NII) 6,552 6,276 5,985 21 (1,643) 2015-16 2016-17 -18 1,514 Operating Profit 1,174 980 935 775 Net Profit (3,223) Quarterly Performance Mar.' 17 Jun.' 17 Sep,17 Dec.' 17 Mar.' 18 104 105 2015-16 2016-17 -18 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
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 1,400 5 4 Interest on Call Money Lending / Repo& Others 288 99 77 (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 190 213 208 9 (2) Other Interest Expenditure 137 173 226 65 31 TOTAL INTEREST EXPENDITURE 3,927 3,753 3,678 (6) (2) Net Interest Income (NII) 1,861 1,623 1,679 (10) 3 22
OTHER INCOME Quarterly Commission & Brokerage Net Profit from FX Transactions Recovery in Written Off A/c s Y-o-Y Variation (%) Change over Dec, (%) 268 185 194 (28) 5 22 38 46 109 21 151 130 181 20 39 Miscellaneous Income 169 81 212 25 162 Total (Excl. Trading Profit) Net Profit on Sale of Investments 611 434 633 4 46 515 135 56 (89) (59) 23 GRAND TOTAL 1,125 569 689 (39) 21
Provisions & Contingencies Quarterly 24 Y-o-Y Variation (%) Change over Dec, (%) Provision for NPA 1,193 1,948 3,545 197 82 Bad Debts Written Off 86 20 37 (57) 85 Provision for Income Tax 142 (445) (808) (669) 82 Standard Assets (28) (56) 40 - - Restructured Assets (23) (8) (63) - - Depreciation on Investments 22 182 368 1,573 102 Others 18 4 11 (39) 175 TOTAL 1,410 1,645 3,130 122 90
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 6,552 276 4 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 1,890 184 11 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) 3581 8253 4,672 130 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.
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 817 853 36 4 TOTAL INTEREST INCOME 23,004 21,776 (1,228) (5) Interest Paid on Deposits 15,406 13,724 (1,682) (11) Interest on Bonds 709 827 118 17 Other Interest Expenditure 613 673 60 10 TOTAL INTEREST EXPENDITURE 16,728 15,224 (1,504) (9) Net Interest Income (NII) 6,276 6,552 276 4
OTHER INCOME Yearly 27 Y-o-Y Change Variation (%) Commission & Brokerage 757 710 (47) (6) Net Profit from FX Transactions 186 184 (2) (1) Recovery in Written Off A/c s 376 488 112 30 Miscellaneous Income 398 478 80 20 Total (Excl. Trading Profit) 1,717 1,860 143 8 Net Profit on Sale of Investments 1,740 946 (794) (46) GRAND TOTAL 3,457 2,806 (651) (19)
Provisions & Contingencies Yearly 28 Y-o-Y Change Variation (%) Provision for NPA 3,545 7,620 4,075 115 Bad Debts Written Off 149 87 (62) (42) Provision for Income Tax 293 (1,166) (1,459) (498) Standard Assets (190) (46) - - Restructured Assets (179) (69) - - Depreciation on Investments 176 609 433 246 Others 80 52 (28) (35) TOTAL 3,874 7,087 3,213 83
KEY PARAMETERS Quarterly (Domestic) Parameters Jun., Sep., Values in % Cost of Deposits 5.88 5.75 5.67 5.43 5.31 Yield on Advances 9.51 8.83 9.30 8.72 8.34 Cost of Funds 5.69 5.52 5.51 5.31 5.25 Yield on Funds 8.49 7.88 7.95 7.74 7.79 Return on Assets 0.23 (0.28) 0.15 (1.33) (2.92) Yield on Investments Net Interest Margin (NIM) 7.83 7.86 7.83 7.74 7.66 3.16 2.85 2.91 2.74 2.84 29
KEY PARAMETERS Quarterly (Global) Values in % 30 Parameters Jun., Sep., Cost of Deposits 5.47 5.28 5.20 5.01 4.91 Yield on Advances 8.27 7.55 7.87 7.49 7.20 Cost of Funds 5.25 5.04 5.02 4.88 4.81 Yield on Funds 7.74 7.12 7.13 6.99 7.01 Return on Assets 0.14 (0.34) 0.14 (1.13) (2.87) Yield on Investments Net Interest Margin (NIM) 7.75 7.73 7.70 7.59 7.52 2.79 2.46 2.48 2.36 2.44
KEY PARAMETERS Yearly(Domestic) Parameters (12M) (9M) Values in % (12M) Cost of Deposits 6.30 5.62 5.55 Yield on Advances 9.64 8.96 8.77 Cost of Funds 5.99 5.45 5.40 Yield on Funds 8.33 7.86 7.84 Return on Assets 0.19 (0.48) (1.09) 31 Yield on Investments 7.93 7.86 7.75 Net Interest Margin (NIM) 2.70 2.83 2.85
KEY PARAMETERS Yearly(Global) Values in % 32 Parameters (12M) (9M) (12M) Cost of Deposits 5.86 5.16 5.10 Yield on Advances 8.34 7.65 7.51 Cost of Funds 5.53 4.98 4.94 Yield on Funds 7.60 7.08 7.06 Return on Assets 0.12 (0.44) (1.05) Yield on Investments 7.87 7.63 7.61 Net Interest Margin (NIM) 2.37 2.43 2.44
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 2.85 2.36 2.44 33 2015-16 2016-17 -18 Quarterly Movement of Cost to Income Ratio Quarterly Movement of Employee Cost 49.29 64.62 60.54 35.93 43.83 37.69 17 17 18 17 17 18
Overseas Branch Performance 34 ` in Crores ` in Crores ` in Crores `Growth % Y-o-Y Change over Dec, Business 61,706 77,999 73,553 19 (6) Deposits 26,018 34,422 31,684 22 (8) Advances 35,688 43,577 41,869 17 (4) Gross NPA 1,948 1,919 2,027 4 6 Net NPA 990 841 646 (35) (23) Gross NPA (%) 5.46 4.40 4.84 Net NPA (%) 2.85 1.98 1.60
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 23 22 18 (22) (18) 65 84 29 Operating Profit 41 30 19 (54) (37) 107 95 (11) Net Profit (44) 7 (285) - - (157) (348) - Yield on Advances (%) Cost of Deposits (%) 2.39 2.48 2.40 2.36 2.34 1.68 1.94 1.98 1.49 1.80 Yield on Funds (%) 2.39 2.47 2.39 2.36 2.33 Cost of Funds (%) 2.14 2.27 2.22 2.18 2.14 Return on Assets (%) (0.49) 0.06 (2.59) (0.42) (0.80) NIM (%) 0.26 0.21 0.18 0.18 0.20
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) (34.00) EQUITY HOLDING PATTERN As on 31-03- Govt. of India 73.07% Book Value Per Share 154.64 Insurance Cos. 10.98% 105.43 Others 6.38% FIIs & FPIs 3.00% Bodies Corporate 1.24% Mutual Fund & UTI 2.74% Banks & FIs 2.59%
EQUITY Business VALUE Position 38 Jun., Sep., Earnings Per Share (`) 4.21 (11.64) (3.49) (15.34) (34.00) Book Value Per Share (`) 154.64 153.89 155.06 147.14 105.43 Return on Equity (%) 3.02 (8.68) (2.58) (11.36) (26.68) No. of Shares ( in Crs.) 90.45 90.45 90.45 104.13 141.73 Share Capital (` in Crs.) 904.54 904.54 904.54 1041.30 1417.27 Market Capitalisation (` in Crs.) 6,444.56 6,648.07 5,635.03 8,346.01 7,858.93
BRANCH NETWORK Villages covered under FI Scheme 6,953 Satellite Offices 37 838 28 Branches opened during Q4 (-18) 76 Branches opened during Q4 (2016-17) Metro 833 39 813 Urban 813 1,091 Semi-Urban 1,127 1,190 Rural 1,239
Alternate Business Delivery Position Channels 40 Internet Banking : 13.11 Lakhs (12.66 Lakhs)+3.55% customers ATMs 4,248(4,171) Mobile Banking : 15.11Lakhs (12.85Lakhs)+14.96% customers SMS Banking : 73.05 Lakhs (62.84 Lakhs)+16.25% customers Figures in bracket represents as on 31.12.
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