Domestic Branch Network RURAL SEMI-URBAN URBAN METRO 20% 19% 20% 41% Branches 2716 Rural-1105 S-Urban-553 Urban-551 Metro-507 3000 2500 2000 1500 Branches 2415 2259 2286 2716 2516 FY'09 FY'10 FY'11 FY'12 FY'13 Branches opened (12 months) Rural-72 Semi Urban-60 Urban-34 Metro-34 Total-200
Shareholding Pattern (As on 31.03.2013) 9.74% 10.81% Shareholding Pattern 2.70% GoI Indian FIIs/MFs FIIs Res. Indians Others 55.24% 21.51%
Business Sl. Parameters Mar'11 Mar'12 Mar'13 Variation 2012-13 2011-12 Amt. (%) Amt. (%) 1 Total Business 226458 271843 309678 37835 13.92 45385 20.04 2 Total Deposit 131887 159593 178742 19149 12.00 27706 21.01 3 Total Advances 94571 112250 130936 18687 16.65 17679 18.69 4 Credit Deposit Ratio (%) 72.18 71.00 74.00
Deposit Sl. Parameters Mar'11 Mar'12 Mar'13 Variation 2012-13 2011-12 Amt. (%) Amt. (%) 1 Total Deposit 131887 159593 178742 19149 12.00 27706 21.01 2 Aggregate Deposit 131026 158091 176930 18839 11.92 27064 20.66 3 CD 17656 18000 17883-117 -0.65 344 1.95 3a CD % to total dep. 13.39 11.28 10.00 4 Core Deposit 114022 141570 160859 19289 13.62 27548 24.16 5 Core Dep. in Total Dep. (4/1) 86.45 88.71 90.00 6 SB Deposit 35000 39130 44975 5845 14.94 4130 11.80 7 Current Deposit 9156 9538 9954 417 4.37 382 4.17 8 CASA Deposit 44156 48668 54930 6262 12.87 4512 10.22 9 CASA Share in Agg. Deposit (%) 33.70 30.78 31.05 10 Retail Term Deposit 69005 91400 104117 12718 13.91 22395 32.45
Advance Sl. Parameters Mar'11 Mar'12 Mar'13 Variation 2012-13 2011-12 Amt. (%) Amt. (%) 1 Total Advances 94571 112250 130936 18687 16.65 17679 18.69 1a Food Credit 1776 1914 2561 647 33.80 138 7.77 1b Non-Food Gross Bank Credit 92795 110336 128375 18040 16.35 17541 18.90 Of Which (1) Priority Sector Credit 30764 37396 39403 2007 5.37 6633 21.56 (2) Agriculture & Allied Actvities 13387 16590 17688 1098 6.62 3203 23.93 (3) MSE 11990 16182 16570 388 2.40 4192 34.96 (4) MSME 14383 18446 19098 652 3.53 4063 28.25 (5) Retail Credit, of which 13029 15114 17654 2540 16.81 2085 16.00 Housing/ Mortgage Loans 7140 8080 9121 1041 12.88 941 13.17 Personal Loans 1331 1320 1448 128 9.70-11 -0.81 Education Loans 1040 1180 1262 82 6.95 140 13.45 Trade Loans 2225 2919 3839 920 31.52 693 31.16 Commercial Vehicle 433 603 831 228 37.81 170 39.30 Other Retail Loans 860 1012 1153 141 13.94 152 17.73
Industry-wise Deployement Sl. No. Major Industry wise Deployment Amt. Mar'11 % of total advances Amt. Mar'12 % of total advances Amt. Mar'13 % of total advances 1 Minning & Quarrying 508 0.54 132 0.12 65 0.05 2 Food Processing 1633 1.73 2725 2.43 2840 2.17 3 Textiles 1877 1.98 3278 2.92 4201 3.21 4 Chemical & Chemical Products 2274 2.40 3974 3.54 6347 4.85 4a Cement & Cement Products 467 0.49 588 0.52 668 0.51 5 Basic Metal & Metal products 6387 6.75 7645 6.81 8297 6.34 5a Iron & Steel 5508 5.82 6351 5.66 7133 5.45 6 Engineering Products 2846 3.01 3334 2.97 4872 3.72 7 Infrastructure 17976 19.01 20380 18.16 23414 17.88 7a Power 12095 12.79 13431 11.97 15466 11.81 7b Tele-communication 746 0.79 666 0.59 919 0.70 Industry (Small, Medium & large) 41742 44.14 49053 43.70 59211 45.22 Others 52829 55.86 63197 56.30 71725 54.78 Total Advances 94571 100.00 112250 100.00 130936 100
PSC Sub-Sector Mar'11 Mar'12 Mar'13 Variation 2012-13 2011-12 Amt. (%) Amt. (%) Direct Agriculture 9808 12304 13712 1408 11.4 2496 25.45 Indirect Agriculture 3579 4285 3976-309.2-7.22 706.7 19.748 Total Agriculture 13387 16590 17688 1098 6.62 3203 23.929 % to ANBC 18.92 18.05 16.37 Micro & Small Enterprise 11990 16182 16570 387.9 2.40 4192 34.961 Total PSC 30764 37396 39403 2007 5.37 6633 21.56 % to ANBC 43.48 41.19 36.47 Medium Enterprise 2394 2264 2528 264.1 11.66-130 -5.411 Total MSME 14384 18446 19098 652 3.53 4062 28.243 Weaker Section 7547 9487 10821 1334 14.06 1940 25.706 % to ANBC 10.67 10.45 10.01 Women Beneficiaries 3582 4765 5658 893.1 18.74 1183 33.013 % to ANBC 5.06 5.25 5.24
Investment Sl. Parameters Mar'11 Mar'12 Mar'13 Variation 2012-13 2011-12 Amt. (%) Amt. (%) 1 Gross Investment 43545 54770 58617 3847 7.02 11225 25.78 2 Held To Maturity (HTM) 28365 36542 33494-3049 -8.34 8178 28.83 3 Available For Sale (AFS) 15151 18208 25072 6864 37.70 3057 20.18 4 Held For Trading (HFT) 29.17 20.00 50.99 31 154.95-9 -31.44 5 Duration (AFS+HFT) 2.65 2.77 3.06 6 Modified Duration (AFS+HFT) 2.53 2.62 2.91 7 Total Duration 4.55 4.33 3.97 0 8 Total Modified Duration 4.38 4.14 3.79 9 Net Demand & Time Liabilities 124710 149524 167900 18376 12.29 24814 19.90 10 SLR (%) 28.28 30.38 27.29 11 HTM to SLR (%) 80.42 80.44 73.09 12 HTM to Gross Investment (%) 65.14 66.72 57.14
Quarterly Financial Results Q4 FY 2012-13
Profit Sl. Parameters Q4' FY 12 Q4' FY 13 Variation Q4'13 over Q4'12 Amt. (%) 1 Interest Income 4168 4252 84 2.02 2 Interest Expenses 2880 3196 316 10.99 3 NII (Spread) (1-2) 1288 1056-232 -18.03 4 Non-Interest Income 355 525 169 47.70 5 Operating Expenses 742 813 71 9.54 6 Contribution (4-5) -387-289 7 Operating Profit (3+6) 901 767-134 -14.85 8 Provisions 501 641 140 28.01 9 Net Profit 400 126-274 -68.48
Break-up : Income Sl. Parameters Q4' FY 12 Q4' FY 13 Variation Q4'13 over Q4'12 Amt. (%) 1 Interest on Advances 3076 3126 50 1.62 2 Interest on Investments 1040 1098 58 5.60 3 Other Interest Income 52 28-24 -45.87 4 Interest Income (1+2+3) 4168 4252 84 2.02 5 Fee Based Income 277 257-20 -7.12 6 Trading Profit 59 98 38 64.25 7 Other Income 19 170 151 783.64 8 Non-Interest Income (5+6+7) 355 525 169 47.70 9 Total Income (4+8) 4523 4777 254 5.60
Fee Based Income Sl. Parameters Q4' FY 12 Q4' FY 13 Variation Q4'13 over Q4'12 Amt. (%) 1 Bills/LC/BG 63.26 64.92 2 2.62 2 Locker Rent 3.32 2.86 0-13.86 3 Processing Fees 43.77 65.20 21 48.96 4 Exchange 40.70 33.25-7 -18.30 5 Others 125.45 90.59-35 -27.79 6 Total 276.50 256.82-20 -7.12
Sl. Parameters Break up : Expenditure Q4' FY 12 Q4' FY 13 Variation Q4'13 over Q4'12 Amt. (%) 1 Interest Paid on Deposits 2713 3051 338 12.46 2 Interest Paid on Borrowings 167 146-22 -12.91 3 Total Interest Paid (1+2) 2880 3196 316 10.99 4 Establishment Expenses 495 545 50 10.09 5 Other Operating Expenses 247 268 21 8.44 6 Operating Expenses (4+5) 742 813 71 9.54 7 Total Expenses (3+6) 3622 4010 387 10.69
Quarterly NPA Movement FY-2012-13 Sl. Parameters Jun'12 Qtr Sep'12 Qtr Dec'12 Qtr Mar'13 Qtr 1 NPA as at the beginning of Qtr. 2058.98 2162.22 3311.35 3531.60 2 Cash Recovery Incl. Compromise 120.98 127.09 104.97 137.41 3 Upgradation 113.80 114.98 420.32 322.34 4 Write Off done in the Qtr. 252.45 328.37 250.32 520.85 5 Total Reduction 487.23 570.44 775.61 980.60 6 Fresh Addition for the Qtr. 590.47 1719.57 995.86 2585.99 7 NPA as at the end of Qtr. 2162.22 3311.35 3531.60 5136.99 8 Provisions for Bad Debts 971.19 980.74 1054.10 1010.23 9 Net NPAs 1191.03 2330.61 2477.50 4126.76 Recovery in written-off debt A/Cs 10 Intt. Received/derecognised Intt. Recovery in NPA including written-off 11 debt A/Cs 169.46 126.58 186.67 351.37 404.24 368.65 711.96 811.12
Provisions Sl. Parameters Q4' FY 12 Q4' FY 13 Variation Q4'13 over Q4'12 Amt. (%) 1 NPA 411 513 102 24.85 2 Standard Advance 71 36-35 -49.32 3 Depre. on Investment -38 31 69-182.17 4 Income Tax 46 19-28 -59.85 5 Others 11 42 32 291.78 6 Total Provision 501 641 140 28.01
Cost & Yield Ratio Sl. Parameters Q4' FY 12 Q4' FY 13 1 Cost of Deposit (%) 7.34 7.29 2 Cost of Borrowings (%) 5.88 4.08 3 Cost of Fund (%) 7.23 7.04 4 Yield on Advances (%) 12.02 10.45 5 Yield on Investment (%) 7.67 7.14 6 Yield on Fund (%) 10.46 9.28 7 Net Interest Margin (%) 3.23 2.30
Profitability Ratios Sl. Parameters Q4' FY 12 Q4' FY 13 1 Return on Assets (%) 0.88 0.26 2 Return on Networth (%) 16.60 4.76 3 Operating Profit to AWF (%) 2.11 1.57 4 Cost to Income Ratio (%) 45.17 51.46 5 Estab. Exp. to Total Exp. (%) 13.67 13.59 6 Operating Exp. to AWF (%) 1.74 1.67 7 Book Value Per Share (Rs) 192.93 209.93 8 Earnings per share (Rs) (Annualised) 8.40 2.52
Yearly Financial Results FY 2012-13
Profit Sl. Parameters Mar'12 Mar'13 Variation 2012-13 Amt. (%) 1 Interest Income 15523 17436 1912 12.32 2 Interest Expenses 10361 12569 2209 21.32 3 NII (Spread) (1-2) 5163 4866-296 -5.74 4 Non-Interest Income 1299 1477 178 13.72 5 Operating Expenses 2691 2958 267 9.91 6 Contribution (4-5) -1393-1481 7 Operating Profit (3+6) 3770 3385-385 -10.20 8 Provisions 1903 2200 297 15.60 9 Net Profit 1867 1185-682 -36.51
Break-up : Income Variation Sl. Parameters Mar'12 Mar'13 2012-13 Amt. (%) 1 Interest on Advances 11664 12745 1081 9.27 2 Interest on Investments 3716 4473 757 20.37 3 Other Interest Income 143 217 75 52.23 4 Interest Income (1+2+3) 15523 17436 1912 12.32 5 Fee Based Income 953 918-35 -3.65 6 Trading Profit 113 253 140 123.26 7 Other Income 233 306 73 31.56 8 Non-Interest Income (5+6+7) 1299 1477 178 13.72 9 Total Income (4+8) 16822 18913 2091 12.43
Fee Based Income Sl. Parameters Mar'12 Mar'13 Variation 2012-13 Amt. (%) 1 Bills/LC/BG 272.03 260.16-12 -4.36 2 Locker Rent 27.68 33.77 6 22.00 3 Processing Fees 225.00 174.46-51 -22.46 4 Exchange 130.12 137.36 7 5.56 5 Others 297.85 312.13 14 4.79 6 Total 952.68 917.88-35 -3.65
Break up : Expenditure Sl. Parameters Mar'12 Mar'13 Variation 2012-13 Amt. (%) 1 Interest Paid on Deposits 9743 12048 2305 23.66 2 Interest Paid on Borrowings 618 521-97 -15.63 3 Total Interest Paid (1+2) 10361 12569 2209 21.32 4 Establishment Expenses 1834 1986 151 8.26 5 Other Operating Expenses 857 972 115 13.45 6 Operating Expenses (4+5) 2691 2958 267 9.91 7 Total Expenses (3+6) 13052 15527 2475 18.97
Movements of NPA Sl. Parameters Mar'12 Mar'13 1 NPA as at the beginning of Year 1647.92 2058.98 2 Cash Recovery Incl. Compromise 364.73 490.45 3 Upgradation 455.07 971.44 4 Write Off 1001.20 1351.99 5 Total Reduction 1821.00 2813.88 6 Fresh Addition 2232.06 5891.89 7 NPA as at the end of Year 2058.98 5136.99 8 Provisions 967.28 1010.23 9 Net NPAs 1091.70 4126.76 10 11 Recovery in written-off debt A/Cs Intt. Received/derecognised Intt. Recovery in NPA including written-off debt A/Cs 205.29 838.97 1025.09 2300.86
NPA Ratios Sl. Parameters Mar'12 Mar'13 1 Net NPA (%) 0.98 3.19 2 Gross NPA (%) 1.83 3.92 3 Provision Coverage Ratio (%) 74.00 50.00 4 Recovery Ratio (%) 49.74 54.81 5 Slippage Ratio (%) 2.40 5.35
Provisions Sl. Parameters Mar'12 Mar'13 Variation 2012-13 Amt. (%) 1 NPA 1183 1481 298 25.16 2 Standard Advance 144 257 112 77.83 3 Depre. on Investment 220-176 -396-179.76 4 Income Tax 296 367 71 24.07 5 Others 59 270 212 361.22 6 Total Provision 1903 2200 297 15.60
Cost & Yield Ratio Sl. Parameters Mar'12 Mar'13 1 Cost of Deposit (%) 7.07 7.51 2 Cost of Borrowings (%) 5.80 4.48 3 Cost of Fund (%) 6.98 7.31 4 Yield on Advances (%) 12.09 11.43 5 Yield on Investment (%) 7.56 7.55 6 Yield on Fund (%) 10.48 10.08 7 Net Interest Margin (%) 3.48 2.81
Profitability Ratios Sl. Parameters Mar'12 Mar'13 1 Return on Assets (%) 1.02 0.64 2 Return on Networth (%) 19.35 11.77 3 Operating Profit to AWF (%) 2.36 1.82 4 Cost to Income Ratio (%) 41.65 46.63 5 Estab. Exp. to Total Exp. (%) 14.06 12.79 6 Operating Exp. to AWF (%) 1.69 1.59 7 Book Value Per Share (Rs) 192.93 209.93 8 Earnings per share (Rs) (Annualised) 39.18 23.70
Restructured Accounts Sl. Particulars No./ Amt. Under CDR SME Debt Others Total 1 2 3 Standard Advances Sub-Standard Advances Doubtful Advances No. 38 1939 9615 11592 Amt. 3096 609 9262 12967 No. 3 1237 1110 2350 Amt. 79 125 1603 1807 No. 0 584 554 1138 Amt. 0 66 34 100 4 Total No. 41 3760 11279 15080 Amt. 3175 800 10900 14875
Restructured Accounts Sl. Particulars Under CDR Other than CDR Total Restructuring No. Amt. No. Amt. No. Amt. 1 Below Rs. 1 Crore 14823 449 14823 449 2 Rs. 1 Crore & above 41 3176 216 11250 257 14426 3 Total 41 3176 15039 11699 15080 14875 4 Out of which in FY 11 5 315 905 509 910 824 5 Out of which in FY 12 8 329 1459 3009 1467 3338 6 Out of which in FY 13 19 1912 3731 6572 3750 8484 7 Out of which during Mar'13 Qtr 11 702 35 683 46 1385 Category wise restructured accounts 8a Standard 37 3096 11554 9871 11591 12967 8b NPA 3 79 3485 1828 3488 1907
Sector wise Restructured Accounts Sl. Particulars Mar'12 Mar'13 Slippage to NPA Mar'13 1 Agriculture 255.34 178 45 2 Housing 81.48 85 9 3 Real Estate 73.11 28 0 4 Hotel 178.31 195 65 5 Trading 238.92 225 32 6 Industry, of which 5187.08 13544 1517 Aviation 567.66 408 0 Cement 64.65 70 0 Chemical 158.06 553 450 Engineering 197.03 822 88 Food Processing 307.91 333 45 Iron & Steel 904.53 1368 280 Paper 63.10 86 0 Pharmaceutical 161.56 597 394 Petrochemicals 39.95 263 Sugar 79.16 79 0 Tea 23.97 10 0 Textiles 604.06 1234 174 Power 1452.94 6297 2 Road & Port 119.08 291 0 Other Infra. 268.79 501 0 Construction 70.14 161 0 Other Ind.-Mfg. 54.94 273 83 7 Others 388.53 619 240 8 Total 6353.22 14875 1907
Ratios :Productivity & Market Share Sl. Parameters Mar'11 Mar'12 Mar'13 1 Deposit Market Share (%) 2.31 2.51 2.53 2 Credit Market Share (%) 2.23 2.39 2.41 3 Business Per Branch (Rs. Cr.) 93.38 108.05 114.02 4 Busines Per Employee (Rs. Cr.) 10.63 12.17 13.73 5 Profit per Employee (Rs. Lac) 6.70 8.36 5.25
Productivity Trend 110 100 90 80 70 60 77.62 8.45 93.38 10.63 108.05 12.17 114.02 13.73 14 12 10 8 50 6 40 30 4 20 Mar'10 Mar'11 Mar'12 Mar'13 Business per Branch Business per Employee 2
Capital Adequacy Ratio (%) Particulars Mar'11 Mar'12 Mar'13 Capital Fund Tier I 7897.00 9912.20 10749 Tier II 4045.00 4023.02 3973 Total (Tier I+II) 11942.00 13935.22 14722 Risk-weighted Assets 92158.00 108575.27 133509 Capital Adequacy Ratio (%) 12.96 12.83 11.03 Tier I (%) 8.57 9.13 8.05 Tier II (%) 4.39 3.71 2.98 RWA/ Working Fund (%) 60.92 59.35 71.90 Basel III CRAR% 10.55% CET1 7.60% AT1 0.19% T2 2.76%
Financial Inclusion Covered all the allotted 2618 villages with population of 2000 & above for providing banking facilities. Three year plan for FI implementation (2013-16) for population below 2000 in 12785 villages allotted to Bank has been finalized. Bank has opened 217 Ultra Small Branches with VPN connectivity to provide all types of banking solutions. Bank has completed the process of allotment of villages to provide the banking service under the project Swabhimaan. Bank has covered all the families in the Bank s Service area villages with one account in each family. The Bank has enrolled 7,61,695 rural population, out of which 5,16,139 SB Accounts has been opened in the FI Implemented villages.
Financial Inclusion Out of 43 DBT pilot districts in 1 st phase, Bank is having presence in 33 districts. Bank has issued 4,96,346 number of Smart Cards in which transactions are carried out through BCAs. Bank has 21 RSETIs across different states, actively imparting skill development training to the rural youth. Bank has 13 FLCCs in the states of U.P. W.B. & M.P. covering the bank s lead districts to impart financial literacy awareness among the rural people. In the 2 nd phase of UIDAI enrollment, Bank has enrolled 39.22 lacs residents in the states of Maharashtra & Jharkhand during 2012-13 against the enrollment targets of 20.00 lacs.
New Initiatives during 2012-13 Introduced Allahabad Bank Ru-Pay Kisan Card for all KCC account holders. Introduced a 3-in-1 account facility to the customers wherein with a SB/CA account, Demat Account is provided by the Bank and Online Trading Services is provided by Aditya Birla Money Limited. Appointment of Internal Ombudsman made for speedy grievances redressal of the customers. Extended IMPS facility to customers to facilitate 24*7 Inter Bank fund transfer using Mobile-handset. Launched Cash-Back Offer on usage of our Debit Cards at Point of Sale. Launched POS/Electronic Data Capture (EDC) machines at Merchants sites for acquiring Merchant Business. A collection module introduced to facilitate collection of insurance premium at all branches of the bank. Launched Pre-Paid Gift Cards in denominations of `500 to `50000 for customer s convenience.
Guidance Business Target for March 2014 - Business Deposit Advances Rs. 3,60,000 crore Rs.2,05,000 crore Rs.1,55,000 crore
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