Highlights Total Business stood at Rs. 3,44,428 cr. as at the end of Sept 16 against Rs.3,27,807 cr. as on Jun 16.(Increase by Rs.16,621 cr. over the qrt.) Global Deposits stood at Rs. 2,09,485 cr. as at the end of Sept 16 against Rs.1,96,359 cr.as on Jun 16.(Increased by Rs.13,126 cr. over the Qrt) Core Deposits stood at Rs.1,33,672 cr. as at the end of Sept,16 showing growth of 10.53% Y-o-Y basis Global Advances of the Bank stood at Rs. 1,34,943 cr. as at the end of Sept 16. As against Rs.1,31,448 cr as on Jun 16 (Increased by Rs. 3,495 cr over the Qrt) Percentage of Priority sector advances of ANBC stood at 40.92% as of 30.09.2016. Total income in the 2 nd qtr. of FY16-17 was Rs. 4941 Cr increased by 4.52% over Jun 16 Qrt.
During the 2 nd Qtr of FY16-17, Operating Profit is Rs. 1108 Cr. whereas on Jun 16 qrt it was Rs.810 cr. (increased by 36.77% over the quarter ) For the 2 nd Qtr of FY16-17 there is Net Loss of Rs. 385 Cr. on account of higher provisioning on NPA. However, there is reduction in loss to the tune of Rs.56 cr. over the previous qrt. Total provision & contingencies in the 2 nd qtr. of FY16-17 was Rs. 1493 cr as against Rs.973 Cr. a year ago. Provision Coverage Ratio increased to 58.29% in the 2 nd qtr. of FY16-17 from 53.90% a year ago. In Q2 FY 16-17, Total Interest Income stood at Rs. 9669 Cr. The CRAR as on 30.09.2016 stood at 9.68% as per Basel III.
Cost of Deposits for 2nd Qrt decreased to 5.85% as on 30.09.2016 from 6.17% a year ago. Average Yield on performing advances (Domestic) for 2nd Qrt stood at 11.17% as on 30.09.2016 as against 10.17% a year ago Saving Deposits (Domestic) stood at Rs.43,439 cr. which registered a growth of 15.19% YoY basis. As on Sep 16 GNPA Ratio stood at 16.51% as against 17.19% as on Jun 16. Net NPA stood at 8.83% as on Sep 16 as against 10.04% as on Jun 16.
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Movement of business parameters [ Amt. in Rs. Crore except otherwise mentioned] Quarter Ended PARAMETERS 30 Sep'2015 31 Mar'2016 30 Sep'2016 Change (%) Sep'16/ Sep'15 Total Deposit 216463.65 207118.24 209485.51-3.22 Total Advance 143598.25 135508.13 134942.66-6.03 Total Income 5308.08 4745.47 4941.41-6.91 Net Interest Income 1416.38 933.11 1246.27-12.01 Operating Profit 1128.99 567.67 1108.02-1.86 Provisions 972.79 2282.81 1492.84 53.46 Net Profit 156.20 (-)1715.14-384.82-346.36 Gross NPA (Rs.Cr.) 12226.66 20907.73 22275.51 82.19 Gross NPA % 8.51 15.43 16.51 - Net NPA (Rs.Cr.) 7123.11 11443.59 10890.43 52.89 Net NPA % 5.15 9.09 8.83 - CASA (Domestic)(%) 30.87 31.68 28.64 - Cost to income (%) 38.22 57.02 43.28 - ROA 0.26 (-)3.00-0.72 - NIM (Global)(%) 2.32 1.63 2.33 - NIM (Domestic)(%) 2.45 1.70 2.46 - NPA Prov Coverage Ratio(%) 53.84 53.87 58.29 - Book Value per share (Rs.) 113.71 111.35 98.02 Performance Highlights 6
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Deposit components [ Amt. in Rs. Crore ] Parameters As on 30-Sep'15 As on 31-Mar'16 As on 30-Sep'16 A) Deposit (Domestic) (i+ii+iii) 196511 190885 192753 Current 22956 20028 11763 Savings 37711 40438 43439 i. CASA 60667 60466 55202 Share of CASA (%) 30.87 % 31.68% 28.64% ii. Normal Term Deposit (< Rs. 1 Cr) 75296 79066 83138 iii. Bulk Deposit (>= Rs. 1 Cr)+ CD 60548 51353 54413 Core Deposits * 120936 127755 133672 B) Deposit (Overseas) 19952 16234 16733 C)Total Deposit (Global) 216464 207119 209486 **E* Excluding Bulk Deposits (>=Rs.1 cr), CD & Iran Deposits 8
CASA movements (Domestic) [ Amt. in Rs. Crore ] As on Parameters 30-Sep'15 31-Mar'16 30-Sep'16 CASA CA SA Rs. Crore 60667 60466 55202 % of Dom.Dep. 30.87 % 31.68 % 28.64 % Rs. Crore 22956 20028 11763 % of Dom.Dep. 11.68 % 10.49 % 6.10 % Rs. Crore 37711 40438 43439 % of Dom.Dep. 19.19 % 21.19 % 22.54 % 9
Retail Business [ Amt. in Rs. Crore ] Position as on 30-09-2015 Position as on 31-03-2016 Scheme Position as on 30-09-2016 A/c Amount A/c Amount A/c Amount 97876 12343 100342 13060 UCO Home 101116 13215 29188 1851 29444 1525 UCO Car 28714 1288 55036 1364 54301 1373 UCO Education 53367 1374 45100 484 42710 463 UCO Cash 40096 435 153251 3933 161580 4413 Other Retail Schemes 182384 4484 380451 19975 388377 20834 Total Retail 405677 20796 Deposits, Advances & Investments 10
Particulars Gross Advances As on 30.09.2015 As on 31.03.201 6 As on 30.06.2016 (Amt. in cr) As on 30.09.2016 Bills Purchased & Discounted 28704.72 20713.50 23312.19 23723.42 Cash Credit, Overdraft and Loans repayable on Demand 35563.37 42156.48 38221.94 40082.91 Term Loan 79330.16 72638.15 69913.77 71136.33 Total 143598.25 135508.13 131447.90 134942.66
Investment Portfolio as on 30-09-2016 [ Amts. in Rs. Crore ] Investment in SLR (G Sec) Portfolio Amount INR Crore % to NDTL HFT 0 AFS 24854 13.46 HTM 33934 18.38 Sub Total (Investment in SLR) 58788 31.85 Investment in Non - SLR HFT 0 AFS 4934 2.67 HTM 7497 4.06 Sub Total (Investment in Non - SLR) 12431 6.73 Priority Sector Investment -- -- Gross Total (SLR + Non-SLR) 71219 38.58 Deposits, Advances & Investments 12
Sl. 1 PRIORITY SECTOR 2 TOTAL AGRICULTU RE a b DIRECT AGRICULTU RE INDIRECT AGRICULTU RE 3 MSME Bank Priority Sector Lending Position Outstanding as on 30-09-2015 Outstanding as on 31-03-2016 Deposits, Advances & Investments [ Amt. in Rs. Crore ] Variation As on 30-09-2016 Sep'16/Sep'15 Outstanding % of ANBC (Absolute) (%) Lending excldng. Pool 49821 48779 49045 Pool Assets 1373 2038 1741 IBPC -- 403 -- RIDF+SIDBI+NHB 4903 4728 5588 TOTAL 56097 55948 56374 40.92 277 0.49 Lending excldng. pool 15417 15276 15065 Pool Assets 149 397 11 IBPC -- 293 -- RIDF 3830 3627 4562 TOTAL 19396 19593 19638 14.26 242 1.25 Lending excldng. pool 12280 12479 12375 Pool Assets -- -- -- IBPC -- 293 -- TOTAL 12280 12772 12375 8.98 95 0.77 Lending excldng. pool 3137 2797 2690 Pool Assets 149 397 11 IBPC -- -- -- RIDF 3830 3627 4562 TOTAL 7116 6821 7263 147 2.07 Lending excldng. Pool 25413 24815 24816 Pool Assets 1224 609 684 IBPC -- 110 -- SIDBI 436 401 325 TOTAL 27073 25935 25825-1248 -4.61 13
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Income, Expenditure & Profit (Global) [ Amt. in Rs. Crore] During Change During Change Q2 FY'16 Q2FY'17 Amt. % H1 FY'16 H1FY'17 Amt. % I)Total Income (a+b) : 5308.08 4941.41-366.67-6.91 10477.17 9669.34-807.83-7.71 a)interest Income 4897.03 4329.45-567.58-11.59 9626.02 8519.09-1106.93-11.50 Interest on Advances 3391.81 2655.73-736.08-21.70 6724.42 5148.42-1576.00-23.44 Income on Investments 1346.26 1528.47 182.21 13.53 2598.37 3067.20 468.83 18.04 Other Interest Income 158.96 145.25-13.71-8.62 303.23 303.47 0.24 0.08 b)other Income 411.05 611.96 200.91 48.88 851.15 1150.25 299.10 35.14 II)Total Expenses 4179.09 3833.39-345.70-8.27 8186.72 7751.16-435.56-5.32 Interest Paid 3480.65 3083.18-397.47-11.42 6839.00 6287.37-551.63-8.07 Operating Expenses 698.44 750.21 51.77 7.41 1347.72 1463.79 116.07 8.61 III)Operating Profit (I-II): 1128.99 1108.02-20.97-1.86 2290.45 1918.18-372.27-16.25 IV)Provisions 972.79 1492.84 520.05 53.46 1877.55 2743.57 866.02 46.13 V)Net Profit (III-IV) : 156.20-384.82-541.02-346.36 412.90-825.39-1238.29-299.90 Net Interest Income 1416.38 1246.27-170.11-12.01 2787.02 2231.72-555.30-19.92 Financials & performance indicators 15
Ratio Analysis During During Q2 FY'16 Q2FY'17 H1 FY'16 H1FY'17 Cost of Deposit (%) 6.17 5.85 6.14 5.90 Yield on Performing Advances (%) 9.33 9.78 9.23 9.47 Yield on Investment (%) 7.91 9.05 7.92 8.39 Net Interest Margin Global (%) 2.32 2.33 2.33 2.07 Net Interest Margin Domestic (%) 2.45 2.46 2.45 2.17 Cost to Income Ratio (%) 38.22 40.37 37.04 43.28 GNPA (%) 8.51 16.51 8.51 16.51 NNPA (%) 5.15 8.83 5.15 8.83 NPA Provision Coverage (%) 53.90 58.29 53.90 58.29 CRAR (Basel-III) (%) 11.59 9.68 11.59 9.68 Financials & performance indicators 16
Profitability Indicators During During Q2 FY'16 Q2FY'17 H1 FY'16 H1FY'17 Return on Assets (%) 0.26-0.72 0.35-0.76 Return on Equity (%) 5.29-16.68 7.00-17.89 Book Value per Share (Rs.) 115.25 98.02 115.25 98.02 Earnings per Share (Rs.) 1.45-2.96 3.84-6.59 Net Worth (Absolute) excl. revaluation reserve 11997.47 9669.95 11997.47 9669.95 Op. Profit to AWF (%) 1.85 2.08 1.92 1.78 Net-interest income to AWF (%) 2.32 2.33 2.33 2.07 Non-interest income to AWF (%) 0.67 1.15 0.71 1.07 Financials & performance indicators 17
Capital Adequacy [ Amt. in Rs. Crore] PARAMETERS 30-09-2015 31-03-2016 30-09-2016 Credit Risk 100803.58 98067.79 98287.30 Market Risk 18513.66 19178.98 14756.44 Operational Risk 12702.33 12702.33 13279.75 Total Risk Weighted Assets 132019.57 129949.10 126323.49 Tier I Capital Fund 11431.59 9915.83 9706.20 Tier II Capital Fund 3868.86 2598.98 2521.30 Total Capital Fund 15300.45 12514.81 12227.50 CET 1 (%) 8.56 7.52 7.68 BASEL - III Tier I (%) 8.66 7.63 7.68 Tier II (%) 2.93 2.00 2.00 Capital Adequacy Ratio (%) 11.59 9.63 9.68 Financials & performance indicators 18
Restructured Standard Assets Q2FY 17 Details Amt.(Cr.) Total Restructured Assets as on 01 Jun2016 5148.32 Add: Standard Accounts restructured during Q2FY 17 648.63 Less: Total Standard Restructured accounts closed during Q2FY 17 1.31 Add: Increase/Decrease in O/s balance -144.52 Less: Standard Restructured Slipped to NPA 90.29 Total Standard Restructured as on 30 Sep 2016 5560.83 % age of Restructured Advances to Total Loans and Advances as on 30/9/ 2016 4.00 Financials & performance indicators 19
Industry wise break-up of Restructured Standard assets As on 30-09-2015 As on 31-03-2016 Industry As on 30-09-2016 2011.13 2080.04 Power and Distribution 2259.33 2455.27 1237.64 Infrastructure 1244.74 3204.85 1243.15 Iron and Steel 1506.74 0.00 0.00 Aviation 0.00 0.00 0.00 Information technology 0.00 1970.35 789.61 Others 550.02 9641.60 5350.44 Total 5560.83 Financials & performance indicators 20
Impaired Assets movement Q-o-Q [ Amt. in Rs. Crore ] Parameters As on / during the QE Sep'15 As on / during the QE Mar'16 As on / during the QE Sep'16 Gross NPA (Opening Balance @ beginning of Qtr) 10894.41 14931.80 22597.70 Fresh Slippage (during the Qtr) 1876.28 7795.01 2032.71 Recovery + Upgradation 365.69 1647.04 2272.62 Write off 178.34 172.04 82.28 Gross NPA (Amt.) 12226.66 20907.73 22275.51 Gross NPA (%) 8.51 15.43 16.51 Net NPA (Amt.) 7123.11 11443.59 10890.43 Net NPA (%) 5.15 9.09 8.83 Financials & performance indicators 21
Sector wise NPAs (Domestic) [ Amt. in Rs. Crore ] Sector As on the QE Sep'15 Mar'16 Sep'16 1 Agriculture & Allied Activities 1561.58 1650.84 2011.62 2 Micro & Small Industries 1689.65 1639.14 1641.14 3 Medium Industries 1024.42 1146.08 1044.64 4 Large Industries 5024.04 11817.96 13846.47 5 Services 1265.95 2079.16 1112.81 6 Retail 912.61 1481.64 1437.59 7 All Others 248.29 291.13 329.93 Total 11726.54 20105.95 21424.20 Financials & performance indicators 22
Industry wise NPAs (Domestic) [ Amt. in Rs. Crore ] Industry * (top 5 & others) As on the QE Sep'15 Mar'16 Sep'16 1 Iron & Steel 1046.08 3787.86 4332.85 2 Power Generation 1236.25 3476.30 3344.56 3 Textiles 769.29 1232.23 1393.43 4 Roads 927.36 1304.65 1387.81 5 Real Estate 631.27 283.00 381.43 6 All Others 7116.29 10021.91 10584.12 Total 11726.54 20105.95 21424.20 Financials & performance indicators 23
Performance towards Financial Inclusion Initiatives During Q2FY17 Cum. as on 30.09.2016 Villages covered with > 2000 population (a) ----- 1833 through Branches ----- 378 through BCs ----- 1455 Villages covered with < 2000 population (b) ----- 15269 through Branches ----- 35 through BCs ----- 15234 Total no. of villages covered (a) + (b) ----- 17102 Total no. of No frill accounts opened (In lakh) 3.05 96.36 No. of Smart card issued (In lakh) ----- 16.20 No. of transactions in the a/cs opened under ICT based BC model (in lakh) during the year 32.15 89.19 No. of KCCs extended (In lakh) ----- 6.08 No. of GCCs extended (In lakh) ----- 0.44 No. of all other Deposit accts (In lakh) 8.6 250.01 No. of all other Advance accts (In lakh) 2.12 14.28 No. of SHGs credit linked 5483 91434 No. of JLGs credit linked 209 5329 Major Initiatives 24
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