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NET PROFIT (Q4) INCREASED BY 110% Y-O-Y NIM @ 3.00% FOR FY 2014-15 TOTAL NUMBER OF BRANCHES CROSSED 2500 PROVISION COVERAGE RATIO IMPROVED TO 58.93 CASA DEPOSITS CROSSED 27% NET NPAs BELOW 3% 2
BRANCH MIX RURAL SEMIURBAN URBAN METRO Business Delivery Channels 31.03.14 31.03.15 Branches 2114 2507 Extension Counters 10 8 ATMs 1847 2232 691 404 722 690 Satellite Offices 35 35 TOTAL 4006 4782 Branch Mix 31.03.14 31.03.15 1.Rural 606 722 2.Semi-Urban 592 690 3.Urban 586 691 4.Metro 330 404 TOTAL 2114 2507 Bank has Representative Offices in Dubai & New Jersey 3
Andhra Pradesh Telangana Southern India other than AP & Telangana Northern India Eastern India Western India Central Region 18 39 64 49 59 95 71 New Branches opened in FY 2014-15 No of branches 1.Andhra Pradesh 95 2. Telangana 71 3.Southern India other than AP& Telangana 4.Northern India 64 5. Eastern India 39 6. Western India 49 7. Central Region 18 59 TOTAL 395 4
3.80 11.91 7.82 0.48 31.03.2014 31.03.2015 Share Capital 589.61 crore 602.84 crore No. of Shares 58.96 crore 60.28 crore 1.91 13.06 61.02 31.03.2014 31.03.2015 Government of India 60.14 61.02* General Public 14.49 13.06 Government of India General Public Private Corporate Bodies Mutual Funds & UTI Banks/FIs/Insurance Cos Foreign Institutional Investors Others Private Corporate Bodies 2.35 1.91 Mutual Funds & UTI 0.10 3.80 Banks/FIs/Insurance Cos 10.79 11.91 Foreign Institutional Investors 11.53 7.82 Others 0.60 0.48 Total 100.00 100.00 * GoI infused share capital of Rs.120 crore during the year. 5
BUSINESS PERFORMANCE HIGHLIGHTS ( Amount in ` crore) Total Advances Total Deposits Total Business 284588 252494 223934 123796 141845 155012 100138 110649 129576 Details Total Deposits Total Advances Total Business 31.03.13 31.03.14 31.03.15 Vari ance % 123796 141845 155012 9.28 100138 110649 129576 17.11 223934 252494 284588 12.71 Investments 37632 45356 46499 2.52 Net Profit 1289 436 638 46.33 CD Ratio 80.94 78.02 83.61-6
Current Savings Term 74.34 75.20 72.65 Type of Deposit Current Deposits Year Ended ( Amount in ` crore) 31.03.13 31.03.14 31.03.15 Growth % 7029 7493 9706 29.53 % Share 5.68 5.28 6.26 - Savings Deposits 24730 27693 32696 18.07 19.98 19.52 21.09 5.68 5.28 6.26 31.03.2013 31.03.2014 31.03.2015 % Share 19.98 19.52 21.09 - Term Deposits 92037 106659 112610 5.58 % Share 74.34 75.20 72.65 - T O T A L 123796 141845 155012 9.28 7
ADVANCES ( Amount in ` crore) Growth SECTOR 31.03.13 31.03.14 31.03.15 % 15% 1% 16% 51% Corporate & Mid Corporate Advances 50648 53670 65350 21.76 MSME 16863 18315 22200 21.21 17% Retail Credit 14328 16515 19846 20.17 Agriculture 16451 20267 20433 0.82 Corporate & Mid Corporate Advances MSME Retail Credit Agriculture Other Sectors Food Credit 1848 1882 1747-7.17 NET Bank Credit 100138 110649 129576 17.11 8
Sl. No. Particulars Quarter Ended Mar 14 Mar 15 Variance % Year ended Mar 14 Mar 15 ( Amount in ` crore) Variance % 1 Interest Income 3721 4262 14.54 14297 16369 14.49 2 Interest Expenses 2771 2891 4.33 10560 11831 12.04 3 NII (Spread) (1-2) 950 1371 44.32 3737 4538 21.43 4 Other Income 337 437 29.67 1333 1500 12.53 5 Operating Expenses 437 806 84.44 2310 2739 18.57 6 Operating Profit 850 1002 17.88 2760 3299 19.53 7 Provisions 712 632-11.24 2026 2081 2.71 8 Taxes 50 185 270.00 298 580 94.63 9 Net Profit (6-7-8) 88 185 102.27 436 638 46.33 9
Quarter Ended ( Amount in ` crore) Year Ended Interest on Mar 2014 Mar 2015 Growth % Mar 2014 Mar 2015 Growth % Advances 2771 3353 21.00 11114 12742 14.65 Investment 840 839-0.12 3008 3509 16.66 Others 110 70-36.36 175 118-32.57 T O T A L 3721 4262 14.54 14297 16369 14.49 10
( Amount in ` crore) Interest on Quarter Ended Year Ended Mar 2014 Mar 2015 Variance % Mar 2014 Mar 2015 Variance % Deposits 2540 2666 4.96 9849 10911 10.78 Sub-ordinate Debt/Other Innovative capital instruments 69 90 30.43 279 308 10.39 Borrowings 162 135-16.67 432 612 41.67 T O T A L 2771 2891 4.33 10560 11831 12.04 11
( Amount in ` crore) Quarter Ended Year Ended Particulars Mar 2014 Mar 2015 Growth % Mar 2014 Mar 2015 Growth % Interest Income Interest Expenses Interest Spread (NII) 3721 4262 14.54 14297 16369 14.49 2771 2891 4.33 10560 11831 12.04 950 1371 44.32 3737 4538 21.43 NIM 2.65 3.48-2.76 3.00-12
( Amount in ` crore) Particulars Quarter Ended Year Ended Mar 2014 Mar 2015 Mar 2014 Mar 2015 A) Non-interest Income from Core Operations 1) Processing Fee 74.85 113.23 198.64 253.57 2) Other Income 90.55 55.20 244.07 229.21 3) Rent on Lockers 6.64 4.19 34.50 44.22 4) Recovery in Written off Accounts 21.79 29.06 96.42 76.54 5) Commission & Exchange 76.99 98.72 268.24 340.08 Sub Total (A) 270.82 300.40 841.87 943.62 B) Non Interest Income from Treasury 1) Profit on Sale of Investments 42.01 121.70 395.40 366.50 2) Dividend Income 0.69 0.91 6.86 6.56 3) Forex Profit 23.10 14.39 88.71 183.16 Sub Total (B) 65.80 137.00 490.97 556.22 C) Total Non Interest Income (A+B) 336.62 437.40 1332.84 1499.84 13
( Amount in ` crore) Quarter Ended Year Ended Particulars Mar 2014 Mar 2015 Variance % Mar 2014 Mar 2015 Variance % Establishment Expenses 182 523 187.36 1382 1698 22.87 Other Operating Expenses 255 283 10.98 928 1041 12.18 T O T A L: 437 806 84.44 2310 2739 18.57 14
Particulars Mar 2014 Quarter Ended Mar 2015 Variance % Mar 2014 Year ended Mar 2015 Variance % Income Tax 50 185 270.00 298 580 94.63 Dep./Loss on revaluation of Investments ( Amount in ` crore) 55-2 - 120-59 - Provision for NPAs 667 493-26.09 1477 1733 17.33 Provision against Standard Assets 100 210 110.00 197 290 47.21 Provision on Restructured Assets -120-150 25.00 50-93 - Depreciation on Transfer to HTM 0 0-69 31-55.07 Others 10 81 710.00 113 179 58.41 Total 762 817 7.22 2324 2661 14.50 15
Ratios Quarter Ended Year Ended Mar 2014 Mar 2015 Mar 2014 Mar 2015 Cost of Deposits % 7.94 7.61 7.81 7.73 Cost of Funds % 6.90 6.59 6.95 6.97 Yield on Advances % 10.99 11.66 11.22 11.38 Yield on Investments % 8.28 8.18 8.05 8.19 Yield on Funds % 9.26 9.72 9.40 9.64 16
Ratios Quarter Ended Year Ended Mar 2014 Mar 2015 Mar 2014 Mar 2015 Return of Assets(ROA)% 0.22 0.42 0.29 0.38 Return on Avg.Net worth % 4.13 8.06 5.11 6.94 Earning per Share (Amt in `) Book value per share (Amt in `) 5.98 12.54 7.67 10.82 145.57 166.46 145.47 166.46 Net Worth to GBC % 7.76 7.74 7.76 7.74 17
Ratios Quarter Ended Year Ended Mar 2014 Mar 2015 Mar 2014 Mar 2015 Cost to Income Ratio (%) 33.95 44.55 45.56 45.37 Staff Cost as % of Average Working Funds 0.45 1.19 0.91 1.00 Other Operating Expenses as % of Average Working Funds 0.63 0.65 0.61 0.61 Operating Profit to AWF (%) 2.11 2.29 1.82 1.94 Staff Cost to Total Expenditure (%) 5.66 14.13 10.74 11.65 18
( Amount in ` crore) 1.5 2014 2015 1.39 1.32 Ratios Year Ended Mar 2014 Mar 2015 1 Business Per Employee 14.32 15.44 Net Profit Per Employee 0.02 0.03 0.5 Business Per Branch 126.88 113.52 0 Gross Profit Per Branch Gross Profit Per Branch 1.39 1.32 19
Ratio 31.03.2014 31.03.2015 Total Risk Weighted Assets (` in Crores) 108345.55 124316.91 Common Equity Tier I Ratio 8629.01 7.96% 9309.18 7.49% Additional Tier I Ratio 143.29 0.13% 625.62 0.50% Tier II Ratio 2915.70 2.69% 3283.20 2.64% Total Capital Ratio (CRAR) 11688.00 10.78% 13218.00 10.63% 20
( Amount in ` crore) Particulars 31.03.2014 31.03.2015 Net Investments 45356.62 46499.43 HTM 34368.21 34855.40 AFS 10918.33 10907.47 HFT 70.08 736.56 Duration (AFS) 5.34 4.82 Modified Duration (AFS) 5.08 4.63 Duration Total Portfolio 5.17 5.07 Modified Duration Total Portfolio 4.94 4.88 Yield on Investments 8.05 8.19 21
( Amount in ` crore) Types of Net Investments 2013-14 % of Total 2014-15 % of Total SLR 39274.78 86.59% 41421.95 89.08% Non SLR 6081.84 13.41% 5077.48 10.92% Total 45356.62 100.00% 46499.43 100.00% 22
( Amount in ` crore) 21% AGRI GOLD LOANS KISAN SAMPATHI AGRI TERM LOANS PATTABHI AGRI CASH CREDITS (KCC) SHG FARM SECTOR OTHERS 11% 31% 20% 1% 16% Category 2013-14 2014-15 Variance % AGRI GOLD LOANS 5295 4044-23.63% KISAN SAMPATHI 258 181-29.84% AGRI TERM LOANS 3252 3204-1.48% PATTABHI AGRI CASH CREDITS (KCC) 5962 6453 8.24% SHG FARM SECTOR 3963 4260 7.49% OTHERS 1537 2291 49.06% TOTAL 20267 20433 0.82% 23
( Amount in ` crore) Category 31.03.14 31.03.15 Variance % Other Retail Credit 35% Non Agl. Gold Loans 16% Housing Loans 49% Housing Loans 7104 9688 36.37 Non Agl. Gold Loans 2488 3130 25.80 Other Retail Credit (Educational Loans, Mortgage Loans) 6923 7028 1.52 Total 16515 19846 20.17 24
( Amount in ` crore) Category 2013-14 2014-15 Variance % MEDIUM 20% SMALL 55% MICRO 25% MICRO 4344 5461 25.71 SMALL 10006 12333 23.26 MEDIUM 3965 4406 11.12 TOTAL 18315 22200 21.21 25
( Amount in ` crore) Sl. No Industry Actual Fund Based Exposure Exposure as % of Total Advances of Previous Quarter Actual Fund Based Outstanding Outstanding as % of Total Advances of Previous Quarter 1 Power 13968.80 11.76 12515.91 10.54 Construction & 2 Contractors 4229.00 3.56 4123.86 3.47 3 Housing Loans 13480.11 11.35 12600.15 10.61 4 Iron & Steel 6886.14 5.80 5669.07 4.77 5 NBFC 11107.00 9.35 9636.93 8.11 6 Textiles 5681.36 4.78 4573.69 3.85 7 Commercial Real Estate 3634.11 3.06 2864.95 2.41 Engineering (Heavy & 8 Light) 2770.38 2.33 2203.84 1.86 9 Rice Mills 3270.64 2.75 2611.90 2.20 10 Petroleum Products 1753.17 1.48 1425.88 1.20 26
( Amount in ` crore) Sl. No Industry Actual Fund Based Exposure Exposure as % of Total Advances of Previous Quarter Actual Fund Based Outstanding Outstanding as % of Total Advances of Previous Quarter 11 Drugs & Pharmaceuticals 1922.89 1.62 1646.79 1.39 12 Sugar 1590.94 1.34 1324.97 1.12 13 Hotels 1092.23 0.92 887.81 0.75 Diamonds, Gems & 14 Jewelers 1989.50 1.68 1989.50 1.68 15 Educational Institutions 664.42 0.56 565.55 0.48 16 Tobacco 776.00 0.65 587.03 0.49 Cement & Cement 17 Products 1020.68 0.86 812.97 0.68 18 Hospitals 697.86 0.59 533.81 0.45 19 Distilleries 224.34 0.19 217.40 0.18 20 Software 194.76 0.16 178.41 0.15 27
Sl. N o Industry Actual Fund Based Exposure Exposure as % of Total Advances of Previous Quarter Actual Fund Based Outstanding ( Amount in ` crore) Outstanding as % of Total Advances of Previous Quarter 1 Energy 14099.30 11.87% 12646.42 10.65% a) SEBs 5018.92 4.23% 4622.78 3.89% 2 Transportation 5531.51 4.66% 4543.48 3.83% a) Roads, Bridges & Rail 5022.72 4.23% 4090.72 3.44% b) Ports & Airports 508.78 0.43% 452.70 0.38% 3 Water & Sanitation 72.52 0.06% 72.52 0.06% 4 Communications 1360.71 1.15% 1354.08 1.14% 5 Social & Commercial (of which) 1579.70 1.33% 1321.21 1.11% a) Hospitals 561.85 0.47% 411.22 0.35% b) Educational Institutes 373.48 0.31% 336.01 0.28% C) SEZ 136.29 0.11% 131.64 0.11% d) Cold Storage/Rural Godowns 414.07 0.35% 348.56 0.29% e) Fertilizers 94.01 0.08% 93.78 0.08% TOTAL 22643.74 19.07% 19937.71 16.79% 28
( Amount in ` crore) 100.00% 94.69% Asset Quality 31.03.13 31.03.14 31.03.15 90.00% 80.00% Standard Assets 96423.25 (96.29%) 104791.44 (94.70%) 122699.60 (94.69%) 70.00% 60.00% 50.00% Total NPAs (of which) 3714.49 (3.71%) 5857.60 (5.29%) 6876.54 (5.31%) 40.00% 30.00% 20.00% Sub- Standard Assets 1985.74 (1.98%) 1734.06 (1.57%) 2004.34 (1.55%) 10.00% 0.00% 1.55% 3.73% 0.03% Doubtful Assets 1688.53 (1.69%) 4094.49 (3.70%) 4829.16 (3.73%) Loss Assets 40.22 (0.04%) 29.05 (0.03%) 43.04 (0.03%) T O T A L 100.00% 100.00% 100.00% 29
SECTORS Advances Year ended 31.03.2014 Year ended 31.03.2015 NPA NPA % to Advances Advances NPA ( Amount in ` crore) NPA % to Advances AGRICULTURE 20267 564 2.78% 20433 1057 5.17% MSME 18315 529 2.89% 22200 1139 5.13% RETAIL CREDIT 16515 303 1.83% 19846 297 1.50% LARGE & MID CORPORATE 55552 4461 8.03% 67097 4384 6.53% TOTAL 110649 5857 5.29% 129576 6877 5.31% 30
( Amount in ` crore) Quarter Ended Year Ended PARAMETER Mar 2014 Mar 2015 Mar 2014 Mar 2015 Gross NPAs at the beginning of the period 5692.46 7118.13 3714.49 5857.60 Add: Additions during the period 505.26 768.86 2832.35 4813.58 NPAs after addition 6197.72 7886.99 6546.84 10671.18 Less: Reduction during the period 340.12 1010.45 689.24 3794.64 of which -Up gradation/recovery 170.81 852.10 426.36 2670.50 - Technical Write off 169.31 158.35 262.88 1124.14 Gross NPAs at the end of the period 5857.60 6876.54 5857.60 6876.54 Gross NPA % 5.29 5.31 5.29 5.31 Net NPAs at the end of the period 3342.47 3688.63 3342.47 3688.63 Net NPA % 3.11 2.93 3.11 2.93 Provision Coverage Ratio 52.55 58.93 52.55 58.93 31
( Amount in ` crore) PARAMETER 2013-14 Q1 Q2 Q3 Q4 TOTAL Gross NPAs at the beginning of the period 3714.49 4748.41 5187.20 5692.46 3714.49 Add: Additions during the period 1181.68 723.17 693.30 651.74 3249.89 NPAs after addition 4896.17 5471.58 5880.50 6344.20 6964.38 Less: Reduction during the period 147.76 284.38 188.04 486.60 1106.78 of which - Up gradation/recovery 103.05 257.30 183.61 299.95 843.90 - Technical Write off 44.71 27.08 4.43 186.65 262.88 Gross NPAs at the end of the period 4748.41 5187.20 5692.46 5857.60 5857.60 Gross NPA % 4.73 5.15 5.55 5.29 5.29 Net NPAs at the end of the period 3211.69 3477.35 3653.38 3342.47 3342.47 Net NPA % 3.27 3.54 3.65 3.11 3.11 Provision Coverage Ratio 45.02 44.60 45.84 52.55 52.55 32
( Amount in ` crore) PARAMETER 2014-15 Q1 Q2 Q3 Q4 TOTAL Gross NPAs at the beginning of the period 5857.60 6827.24 6884.25 7118.13 5857.60 Add: Additions during the period 2160.08 980.05 904.59 768.86 4813.58 NPAs after addition 8017.68 7807.29 7788.84 7886.99 10671.18 Less: Reduction during the period 1190.44 923.04 670.71 1010.45 3794.64 of which - Up gradation/recovery 822.08 519.40 476.92 852.10 2670.50 - Technical Write off 368.36 403.64 193.79 158.35 1124.14 Gross NPAs at the end of the period 6827.24 6884.25 7118.13 6876.54 6876.54 Gross NPA % 5.98 5.99 5.99 5.31 5.31 Net NPAs at the end of the period 4321.54 4315.79 4264.22 3688.63 3688.63 Net NPA % 3.89 3.86 3.70 2.93 2.93 Provision Coverage Ratio 48.19 50.30 53.13 58.93 58.93 33
( Amount in ` crore) Particulars Year Ended Restructured upto 31.03.2014 10784.28 Fresh Restructured during the year 5262.78 Disbursements in Restructured Accounts 742.69 Sub Total 16789.75 Less- Accounts Upgraded by special provision 391.44 -NPAs & Recoveries 2032.90 Restructured Closing Balance 14365.41 34
( Amount in ` crore) Sl. No Sector No. of Accts During Quarter No. of Accts As on 31.03.2015 1 Total Restructured Accounts and Amount 44 3313.20 269 14365.41 2 Out of which i) Micro, Small and Medium Enterprises 8 161.29 100 841.78 ii) Housing Loans Restructured 5 0.77 16 2.42 iii) Agricultural Loans 3 19.61 20 67.03 iv) Other Retail Credit(Educational Loans, Mortgage Loans etc) - - 14 1.03 v) Major Industries Restructured 28 3131.53 119 13453.15 35
Sector During Quarter Year Ended ( ` crore) MSME & Major Industries (Of which) a. Textiles 158.40 552.62 b. Engineering 103.43 249.57 c. Sugar --- 252.89 d. Iron & Steel 470.11 1553.00 e. Contractors 303.86 1471.77 f. Electronics Mfg --- --- g. Shipping --- --- Sub Total 1035.80 4079.86 h. Infrastructure 2037.98 8030.58 Of which i) Power 1786.75 6366.72 ii) Educational Institutions --- 74.97 iii)roadways 251.23 803.66 iv) Telecom --- 737.54 v)others infra --- 47.69 i. Others 239.42 2254.97 TOTAL 3313.20 14365.41 36
( Amount in ` crore) Sl.No. Particulars No. Of Accts Amount 1 Below ` 1 Crore 76 24.77 2 ` 1 Crore to less than ` 25 Crores 90 675.96 3 ` 25 Crores and above 103 13664.68 4 Total 269 14365.41 37
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