Global Deposits 3008 Global Advances 2718 CASA Deposits 1590 Operating Profit 1939 Net Profit 898 Net Interest Income 1886 NonInterest Income 2642 HIGHLIGHTS AS ON DEC13 9M ID: 658194
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Slide1Slide2
Particulars
%age growth
Global Deposits
30.08%
Global Advances
27.18%CASA Deposits15.90%Operating Profit19.39%Net Profit8.98%Net Interest Income 18.86%Non-Interest Income26.42%
HIGHLIGHTS AS ON DEC-13 (9M)
2
Gross NPA
Ratio
2.81%
Net NPA
Ratio
1.75
%
Provision
Coverage Ratio
63.77%
Standard Restructured Portfolio
6.14% Slide3
Global Business reached
`
810,687
Crore (YoY Growth 28.79%)
Global
Deposits ` 454140Crore (YoY Growth 30.08%)Global Advances at ` 356547Crore (YoY Growth 27.18%)CASA Deposit at ` 101957 Crore (YoY Growth 15.90%)Operating Profit (Q3) increased from ` 1856 Crore in Dec.-12 to ` 2144 Crore in Dec-13 ( YoY growth 15.52%)Net Profit (9 months) increased from Rs.1993 Crore in Dec-12 to Rs.2172 Crore in Dec-13 (Growth 8.98%). Net Profit for Dec-13 (Qtr) stood at Rs.586 Crore.Gross NPA Ratio improves from 2.93 % in Sept., 2013 to 2.81 % in Dec- 2013.Net NPA ratio improves from 1.85 % in Sept., 2013 to 1.75 % in Dec- 2013.Provision Coverage Ratio improves from 60.74% in Dec-12 and 63.29 % in Sep-2013 to 63.77 % in Dec-13Standard Restructured Portfolio as %age of Advances decreased from 6.88% in Sep-13 to 6.14% in Dec-13.Net Interest Income (Q3) increased from ` 2308 Crore in Dec-12 to ` 2719 Crore in Dec-13 (YoY Growth 17.81%)Non Interest Income increased from ` 937 Crore in Dec-12 to ` 1097 Crore in Dec-13 (YoY Growth 17.08%)No. of Domestic branches increased from 4292 March-13 to 4522 in Dec-13No. of ATMs increased from 2133 March-13 to 3362 in Dec-133
Business
Performance: Dec-2013Slide4
4
Business Mix
Dec-12
March-13
June-13
Sep-13Dec-13Growth % Y-o-YDomestic457,156498,103524,995555,00757511725.80Foreign172,317176,705199,401214,09823557036.71Global629,473674,808724,396769,10581068728.79( ` in Crore)
Business Growth- SequentialSlide5
5
(
`
in
Crore)Dec-12Mar-13June-13Sep-13 Dec-13Growth % Y-o-YDomestic268,176294,067316,112322,19333971426.68Foreign80,94187,77398,852110,08911442641.37Global349,117381,840414,964
432,282454140
30.08
Deposits- SequentialSlide6
6
(
`
in
Crore)Savings Deposit Annual Growth: 14.08%CASA Annual Growth: 15.90%CASA Growth- SequentialCASA % (Aggregate Deposits)Sep-13: 30.44%Dec-13 : 30.99%Slide7
Bulk Deposits
Dec
– 12
Mar - 13
Dec -13
% of Domestic DepositsBulk deposits 40,96827,17319,6675.79Certificate of Deposits9,47011,99710,2613.02Total50,43839,17029,9288.81( ` in Crore)7Slide8
FCNR & NRE Deposits
Parameter
Dec – 12
Mar - 13
June-13
Sep-13Dec-13Growth % Y-o-YFCNR (B)5,2405,3106,02610,05617,564235.19NRE8,7859,52610,46911,46411,71033.30NRE SB 1,9051,8212,0242,0762,0527.72
NRE TD 6,880
7,7058,445
9,388
9,658
40.38
NRO
1,912
1,852
1,847
1,883
1,877-1.83
(
`
in
Crore)
8Slide9
9
(
`
in
Crore)Dec-12Mar-13June-13Sep-13Dec-13Growth % Y-o-YDomestic188,980204,036208,883232,815235,40324.57Foreign91,37688,932100,549104,009121,14432.58Global280,356292,968309,432
336,824356,547
27.18
Gross Advances-SequentialSlide10
CD
Ratio
Dec-12
Mar - 13
Dec-13
Domestic70.4669.3869.29International112.88101.32105.87Global80.3076.7378.51( ` in Crore)10Slide11
11
(
`
in
Crore)Dec -12March-13Dec-13% Growth Y-o-YAgriculture24,94927,04132,38729.81MSME (Priority & Non Priority) 32,56137,23039,73522.03Retail Credit20,91422,35025,52722.06Corporate110,556117,415137,75424.60Total188,980
204,036235,403
24.57Total Export Credit
8,813
9,53110,498
19.12
Key Sectors (Domestic Credit)Slide12
12
(
`
in
Crore)Priority SectorIndustryDec-12Mar-13Dec-13% Growth Y-o-Y%age to ANBCAgriculture24,94927,04132,38729.8115.97MSE25,86728,91330,87819.37Housing Loan6,0806,7907,23018.91Educational Loan2,428
2,3292,5595.40
Others
383
346343
-10.44
Total Priority Sector Advances
59,70765,518
73,397
22.9336.19Slide13
13
(
`
in
Crore)ParticularsDec-12March-13Dec-13% Y-o-Y %age to Domestic CreditHome Loan9,55710,26712,07226.325.13Mortgage Loan1,7072,0082,57050.561.09Auto Loan1,9392,0372,28317.740.97Education Loan2,4292,4112,6147.62
1.11Personal Loan 727
779856
17.74
0.36Others
4,5554848
5,132
12.672.18
Total
20,91422,350
25,527
22.0610.84
Retail CreditSlide14
Particulars
Dec-12
Mar-13
Dec-13
%age
Y-o-Y %age to Domestic Advances %age NPA to sector wise advances Textiles8,3968,8829,83517.144.1813.96Chemicals & Chemical products4,9315,1106,42430.282.735.11Rubber, Plastic & their products2,4982,5492,7008.091.156.85Basic metal & metal products13,32413,69913,8433.905.889.17
Vehicles, vehicle parts & Transport equipment2,114
2,0522,190
3.60
0.936.58
Gems & Jewellery
4,5324,605
5,592
23.392.38
6.31Construction
1,482
1,7701,900
28.21
0.811.58
Infrastructure
31,50933,495
37,995
20.58
16.14
1.34
Other Industries22,023
23,288
25,546
16.00
10.85
6.54
Total
90,809
95,450
1,06,025
16.76
45.04
5.53
.
(
`
in
Crore)
Key Sector- Domestic Credit- Industry
14Slide15
Advances to Infrastructure Sector
Particulars
Dec-12
March-13
Dec-13
Power21,073(11.15%)22,270(10.91%)23,681(10.06%)Out of which: a. State Electricity Boards (SEBs)8,8398,90710,408 b. Others12,23413,36313,273Telecommunication1,4301,4271,383Roads & Ports6,5887,1749,507Others2,4182,6243,424
Total31,509
33,49537,995
15
(
`
in
Crore)
Figures in Bracket () denote the % to domestic advancesSlide16
Domestic
Foreign
Global
> 1
Cr
< 1 CrTotal AmountAmountAmountAs on 31.03.20132062579821423242923852Additions during Q1627128 7559764Add/Less :-(-)Repayment in Restructured a/cs(+)Increase in O/S balance in Restructure a/cs330 645 37 4 367 649 15280 382929As on 30.06.20132156689422460 2703 25163Additions during Q2750105 855- 855Add/Less :-(-)Closures/Repayment in Restructured a/cs(+)Increase in O/S balance in Restructure a/cs1318721 374 1355 725104420*14591145As on 30.09.20132172196522686301925705
Movement of Restructured Assets
(
`
in Crore)
16Slide17
Restructured Accounts (Contd..)
(Includes all facilities of the borrowers)
Domestic
Foreign
Global
> 1 Cr< 1 CrTotal AmountAmountAmountAs on 30.09.20132172196522686301925705Additions during Q31029117114651516616Add/Less :-(-)Closures/Repayment in Restructured a/cs(+)Increase in O/S balance in Restructureda/cs21846454272226652113362339688As on 31.12.201321212104722259345725716( ` in Crore)
17Slide18
18
(
`
in
Crore)Standard Restructured Advances as on 31.12.2013 as per RBI GuidelinesParticularsDec-13% to AdvancesDomestic14,4666.14Foreign1,9281.59Total16,3944.60Slide19
Restructured Assets (Domestic) – Quarter-wise
19
(
`
in Crore)Quarter ended Amount RestructuredDecember, 20121,996.18March, 20132297.00June, 2013755.18September, 2013855.25December, 20131146.30Slide20
Segment-wise Standard Restructured Assets
as
on
31.12.2013
(
` in Crore)20Domestic ForeignGlobalCDR Restructuring4,2101474,357SME Debt Restructuring645-645Other Restructuring9,611178111,392Total14,466192816,394Slide21
21
Sector wise breakup of Standard Restructured Advances (Domestic)
SECTOR
AMOUNT
INFRA
4,427AVIATION2,435TEXTILES1,016STEEL1,006HOTELS710ENGINEERING831COMPUTER/IT RELATED520SUGAR286EDUCATION266PHARMACEUTICALS149OTHER METALS120CONSTRUCTION-PAPER & PAPER PRODUCTION78CHEMICALS161AGRI136TRADE51
CRE286SERVICES
10
AUTOMOBILES255
MISC **
1,724GRAND TOTAL
14,466
(
`
in
Crore)Slide22
22
(
`
in
Crore)Dec-12Mar-13June-13Sep-13Dec-13Gross NPA8,6258,7659,4149,88010,023Net NPA5,4555,9476,4096,1566,147Gross NPA %3.082.993.042.932.81Net NPA %1.972.062.101.851.75Provision Coverage Ratio %60.7460.9260.9763.2963.77
NPA RatiosSlide23
(
`
in
Crore)
Movement of NPA (9 months ended)(01.04.2013 to 31.12.2013) Dec. 2012Dec 2013 IndianForeignTotalIndianForeignTotalOpening Balance51707245894715216138765Add : Slippages49257775702
4763440
5203 Total
10095
150111596
11915
2053
13968
Less :970
44
1014
1773
351798
Recovery
Upgradation
710
33
743
738
163
901
Write Off
1128
2
1130
663
635
1298
Total reduction
2808
79
2887
3174
823
3997
Less URI
76
8
84
-50
-3
-53
Closing Balance
7211
1414
8625
8790
1233
10023
23Slide24
Sale of Assets to
ARCs
Mar-13
Mar-14
FY
Q1Q2Q3No. of Accounts Sold--162,12,342Aggregate Outstanding of Accounts sold--3131744Of which Written of Assets sold--127722Existing Gross NPAs sold(NPAs before 31.03.13)--143428Current Year NPAs sold and adjusted from Slippages (NPAs After 01.04.13)--43594( ` in Crore)24Slide25
Sector-wise breakup of NPA (Domestic)
Sector
Mar-13
June-13
Sep-13
Dec-13Dec-13 % to Total AdvancesAgriculture6137377445330.23Industry4,4464,9725,2355,8642.49Services1,8482,2302,4972,1730.92Retail2443042982200.09 Total7,1518,2438,7748,7903.73
(
`
in Crore)
25Slide26
Industry-wise breakup of NPA (Domestic)
INDUSTRY
Mar-13
June-13
Sep-13
DEC'13 Dec-13 % to Total NPADec-13% to Total AdvancesMining and Quarrying8170701382.350.06Food Processing2732973174567.780.19Beverage & Tobacco7191580.140.00Textile138815651684137323.410.58Leather
404144
380.65
0.02Wood
8
971
80.14
0.00Paper
23109
116
1512.58
0.06Petroleum
6868
69
2073.53
0.09Chemical
488
409
389
328
5.590.14Rubber Plastics
53
113
187
185
3.15
0.08
Glass & Glassware
1
30
30
29
0.49
0.01
Cement & Cement Products
19
21
26
81
1.38
0.03
Basic Metal
1110
1270
1107
1270
21.66
0.54
All Eng
88
90
142
143
2.44
0.06
Vehicle & vehicle part
12
12
15
144
2.46
0.06
Gems & Jewellry
82
95
114
353
6.02
0.15
Construction
21
20
35
30
0.51
0.01
Infrastructure
329
340
338
511
8.71
0.22
Others
355
394
469
411
7.01
0.17
TOTAL
4446
4972
5235
5864
100.00
2.49
(
`
in
Crore)
26Slide27
Major Slippages during the Quarter(Domestic)
INDUSTRY
Qtr Mar-13
Qtr June-13
Qtr Sep-13
Qtr Dec-13 Mining3.45.72.276Food processing5.420.39.3222Beverage & Tobacco0.50.44.30Textile824.5227.9208110Leather001.92Wood00.565.42Paper6.892.84.143Petroleum41.500112Chemical
111.437.260.9
55Rubber Plastics23.8
43.152.1
13Glass & Glassware0
29.40.7
0Cement & Cement Products
00.71
56Basic Metal
275.367.7
36.7289All Engineering
11.8
54.185
Vehicle & vehicle part3.2
0.90134
Gems & Jewellery0
12.9
305
11
Construction0.6
1.68.7
16Infrastructure
0
16.5282.3
152
Others
119.7
12.7
20.7
13
(
`
in
Crore)
27Slide28
Net Interest Income
Particulars
Quarter ended
Variation
Y-o-Y %
Nine Months endedVariationY-o-Y %Dec-12Dec-13Dec-12Dec-13Interest Income8,023976921.7623,73727,55016.06a. From Advances5,791701721.1717,21319,83915.26b. From Investments1,809220722.005,5416,220
12.25c. Other Interest Income
423545
28.84
983
1,491
51.68Interest Expended
5,7147050
23.38
17,189
19,767
15.00a. On Deposits
5,0856089
19.74
15,115
17,455
15.48
b. On Borrowings
338
580
71.60
1,205
1,260
4.56
c. Subordinated Bonds
168
218
29.76
502
554
10.36
d. Others
123
163
32.52
368
498
35.33
Net Interest
Income
2,308
2719
17.81
6,548
7,783
18.86
(
`
in Crore)
28Slide29
Non Interest Income
Particulars
Quarter ended
Variation
Y-o-Y %
Nine Months endedVariationY-o-Y %Dec-12Dec-13Dec-12Dec-13 Commission, Exchange & Brokerage29335420.82883101915.40 Profit from Sale of Investments8612747.67290712145.52
Profit from Exchange Transactions181
207
14.36459
629
37.04
Recovery In W/o accounts
246226
-8.13
649
592
-8.78
Other Non Interest Income131
183
39.69
391
426
8.95
Total Non Interest Income
937
1097
17.08
2,672
3378
26.42
(`
in Crore)
29Slide30
Profitability
Income
Quarter ended
Variation
Y-o-Y %
Nine months endedVariationY-o-Y %Dec 12 Dec 13Dec 12Dec 131. Total Income8,9601086621.2726,4093092817.11 a. Interest Income8,023976921.7623,7372755016.06 b. Non Interest Income937109717.082,672337826.422. Total Expenditure
7,1048722
22.7821,026
2450116.53
a. Interest expended
5,7147050
23.38
17,18919767
15.00
b. Operating Expenses1,390
1672
20.29
3,8374735
23.40
3. Operating Profit1,856
2144
15.52
5,383
6427
19.39
4. Net Profit803
586
-27.02
1,993
2172
8.98
(`
in Crore)
30Slide31
Income
Quarter ended
Variation
Y-o-Y %
Nine months ended
VariationY-o-Y %Dec 12Dec 13Dec 12 Dec 13Operating Profit1,856214415.525,383642719.39Provisions
Provisions
for Taxation
137
154
12.41
451
925
105.10
Prov. For B&D
591
1173
98.48
2637
2836
7.55
Prov.
For Standard Assets
179
122
-31.84
209
360
72.25
Prov. For Depreciation on Investment
20
34
70.00
-182
-91
-50.00
NPV
Provisions/
Other Provisions
126
75
-40.48
275
225
-18.18
Total Provisions
1,052
1558
48.10
3,391
4255
25.48
Net Profit
803
586
-27.02
1,993
2172
8.98
(`
in Crore)
31
ProvisionsSlide32
32
(
`
in
Crore)Basel - II Dec-12March-13June-13Sep-13Dec-13TIER I CAPITAL20,24623,01823,03523,04024,045TIER II CAPITAL7,8307,9167,7489,5179,945
TOTAL CAPITAL28,076
30,93430,782
32,557
33,990
TOTAL ASSETS
415,966
452,602
485,825
513,042536,492
RISK WEIGHTED ASSETS
265,082
280,637
288,799
299,777
318,732
CRAR - TIER I (%)
7.64
8.20
7.98
7.69
8.10*
CRAR - TIER II (%)
2.95
2.82
2.68
3.17
3.12
CRAR (%)
10.59
11.02
10.66
10.86
11.22*
Capital Adequacy Basel-III
-
-
10.36
10.77
10.84
Capital Adequacy – Basel-II (Q-o-Q)
* Taking into consideration profit for 9 months after adjustment of dividendSlide33
33
Parameter
Domestic
Foreign
Dec-12
Dec-13Dec-12Dec-13Cost of Deposits7.297.161.320.99Cost of Funds6.896.702.181.73Yield on Advances11.5811.323.142.58Yield on Investments7.948.355.523.98Yield on Funds9.399.203.392.76Interest Spread2.50
2.501.22
1.03NIM
2.73
2.891.27
1.10Cost to
Income Ratio44.26
45.3223.32
21.64
Return on Assets (ROA)0.70
0.60
0.440.44
Cost & Yield
Ratios
Parameter
Dec-12
Dec-13
Return on Equity
13.45
12.60
Book value per Share (
Rs
.)
361.21
378.86
Earning per share (
Rs
.)
34.73
36.23Slide34
Investments (Domestic)
Dec- 12
Dec- 13
AFS
HTMHFTTOTALAFSHTMHFTTOTAL1. SLR INVESTMENTS13971576502571646128517463229087773OF WHICH:GOVERNMENT SECURITIES
139715748225
71478
12851
74476
290
87617
OTHER APPROVED SECURITIES-
168
-
168
-
156
-
156
M Duration
-
-
-
-
3.60
5.07
5.81
4.85
2. NON SLR INVESTMENTS
10140
1087
1.1
11228
14984
1146
-
16129
M Duration
-
-
-
-
2.35
0.49
-
2.31
TOTAL
24111
58737
26
82875
27834
75778
290
103902
(
`
in
Crore)
34Slide35
Awards & Accolades
Bank has been awarded the ‘Outlook Money Award 2012’ for “
Best Education
Loan provider
”.
Bank has been rated by Economic Times as the “Second Most Trusted Brand in India” among the PSU banks. Bank has been ranked Second by Ministry of MSME, New Delhi based on its performance in lending to Micro Enterprises.Bank has received “Best Banker” award at the India SME excellence Awards-2013, for exemplary contribution in Banking Sector.Bank received MSME Excellence Award 2013 at the hands of Deputy Chairman, Planning Commission, Govt. of India.Bank received IBA Instituted award at BANCON 2013 for Most Innovative Mass Retail Lender for underserved segments.35Slide36
Awards &
Accolades (cont’d)
Bank
received Certificate of Recognition of Unique Achievements in the area of Data Centre from
CIO Masters for the year 2013
..Bank received SKOCH Award for India’s Best Project on Innovation for 2013 for introducing Passbook printing Kiosk and Account Balance through a missed call to a dedicated phone number . Bank also received Certificate of appreciation, awarded by Computer Society of India for the Project – Financial Inclusion through Information Communication Technology (ICT) enabled solution.Bank received the Certificate of Excellence for IT Security implementation – STARTOKEN Next generation Two Factor Authentication, from eIndia.Bank’s In-house Journal ‘Taarangan’ has been conferred with award for Brand Excellence by Asian Confederation of Business during 3rd Asian Leadership Awards 2013 held at Dubai on 24th Sepember 2013. 36Slide37
37
Our Motto “PERFORM TO POTENTIAL”.
Emphasis on CASA growth.
Expansion of SME, Retail and Rural Business.
Focus on Credit Monitoring and Recovery in NPA.
Inclusive Growth through Financial Inclusion.Progress on Alternate Delivery Channels for better Customer Satisfaction.Focused attention on Human Resources.Way ForwardSlide38
38