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Performance Highlights Q2 FY15 Poised For Growth.

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Presentation on theme: "Performance Highlights Q2 FY15 Poised For Growth."— Presentation transcript:

1 Performance Highlights Q2 FY15 Poised For Growth

2 12% Performance Highlights – Sept’14 NET PROFIT GLOBAL ADVANCES NET INTEREST INCOME CURRENT ACCOUNT /SAVING ACCOUNT GLOBAL DEPOSITS SHARE OF RETAIL & SME OVERALL LOAN BOOK Basic EPS for Q2 FY14 is Rs and Book Value of Rs % 2.3% 26% 19%20%

3 Business Mix (Deposits + Advances) Sept 13Mar 14Jun14Sept 14 Y-O-Y Growth % Global Business 7,69,105 8,53,2028,82, , Domestic 5,55,007 6,27,8506,43, , Foreign 2,14,098 2,25,3522,39, , Global Deposits 4,32,2824,76,9745,00, , Domestic 3,22,1933,63,5903,81, , Foreign 1,10,0891,13,3841,19, , Global Advances 3,36,8233,76,2283,81, , Domestic 2,32,8142,64,2602,61, , Foreign 1,04,0091,11,9681,19, , Business Growth ( `.in Crores) 3 ADVANCES ARE GEARED TOWARDS EFFICIENT CAPITAL ALLOCATION

4 Savings Deposit YoY Growth:11.06% Savings Deposit YoY Growth:11.06% Current Deposit YoY Growth: 18.55% Current Deposit YoY Growth: 18.55% CASA YoY Growth: 12.27% CASA YoY Growth: 12.27% CASA Profile 4 ( `. in Crores) CASA Ratio: % CASA Ratio: % CONSISTENT FOCUS ON CASA

5 Market Share 5 STRATEGIC REALIGNMENT IN MARKET SHARE

6 ParticularsSept. 13Mar 14Jun 14Sept. 14 Y-O-Y Growth % FCNR (B) 10,05617,82218,37218, NRE 11,46411,94212,38513, NRE SB 2,0762,0662,1002, NRE TD 9,3889,87610,28511, NRO 1,8831,9511,9641, ( `. in Crores) FCNR & NRE Deposits 6 REGISTERING FULL ADVANTAGE OF OVERSEAS PRESENCE IN 56 CENTRES

7 Key Sectors – Domestic Credit IndustrySept. 13Mar 14Jun 14Sept. 14 Y-O-Y Growth % % to Domestic Credit Sept.13 Sept.14 Agriculture 30,71536,07134,80137, MSME (Priority & Non- Priority) 39,53545,08145,28248, Retail 25,14029,60027,82429, Corporate & Others 137,425153,508153,967152, Total 232,815264,260261,874268, (` in Crores) 7 STRATEGIC SHIFT IN COMPOSITION

8 ParticularsSept. 13Mar 14Jun 14Sept. 14 Y-O-Y Growth % %age to Domestic Credit Home Loan11,40013,08113,90214, Mortgage Loan 2,3302,9713,1103, Auto Loan2,1022,3512,3982, Education Loan 2,6222,6522,7122, Personal Loan Others5,8577,6184,7424, Total 25,14029,60027,82429, ( ` in Crores) Retail Credit 8 62% RETAIL PORTFOLIO IS FULLY SECURED BY MORTGAGES UP FROM 55% IN SEP-13

9 IndustrySept. 13Mar 14Jun 14Sept. 14 Y-O-Y Growth % Agriculture 30,71540,21138,94142,134*37.18 MSE 31,08135,50435,27237, Housing Loan 7,0397,5177,5357, Educational Loan 2,5452,5972,6552, Others Total Priority Sector Advances 71,72786,16184,73090, ( `. in Crores) Priority Sectors 9 *Total Priority Sector (Including RIDF) is at 33.56% of ANBC EXPANSION OF AGRICULTURE PORTFOLIO 43% TO 47% YoY

10 ParticularsSept. 13Mar 14Jun 14Sept. 14 Y-O-Y Growth % % to Domestic Advances Textiles 9,4609,7169,4149, Chemicals & Chemical products 6,3646,7727,7735, Rubber, Plastic & their products 2,6092,7262,6202, Basic metal & metal products 14,03512,95312,35113, Vehicles, vehicle parts & Transport equipment 2,0572,0212,1562, Gems & Jewellery 5,0995,6655,8866, Construction 1,8581,8221,7422, Infrastructure 36,29742,35843,53944, Other Industries 24,21329,00129,68228, Total 101,992113,034115,163114, (`. in Crores) Key Sectors - Domestic Credit- Industry 10

11 ParticularsSept. 13Mar 14Jun 14Sept. 14 Power 22,885 26,84728,17229,072 - SEBs 10,196 11,35511,87812,797 - Others 12,689 15,54116,29416,275 Roads and ports 8,664 9,68610,40910,158 Telecom 1,471 1,1961,2151,111 Other Infrastructure 3,277 4,6293,7433,795 Total 36,297 42,35843,53944,136 ( `. in Crores) Advances to Infrastructure Sectors 11 SEB EXPOSURE BACKED UP GOVT. GUARANTEE

12 Quarter ended Amount Restructured FY ,447 FY ,447 FY ,150 June, 20141,631 September, 20141,358 (`. in Crores) Restructured Assets (Domestic) 12 PRUDENT MONITORING RESULTED IN LOWER ACCRETION

13 Standard Restructured Advances Mar 14Jun 14Sept. 14% to Advances CDR Restructuring4,8113,8784, Domestic4,6723,7394, Foreign Other Restructuring8,7466,7237, Domestic7,0005,4665, Foreign1,7461,2571, Total13,55710,60211, Domestic11,6729,2059, Foreign1,8851,3971, (`. in Crores) Standard Restructured Advances as on 30 th September, 2014 (As per RBI Guidelines) 13 STANDARD RESTRUCTURED ADVANCES DOWN FROM 5.19% TO 2.94% YoY

14 Sector Amount as on 30 th September, 2014 Infra 3,018 Engineering 1,148 Steel 878 Textiles 584 Pharmaceuticals 358 Commercial Real Estate 314 Sugar 295 Education 289 Construction 208 Food Processing 168 Other Metals 149 Chemicals 117 Agriculture 105 Paper & Paper Production 94 Ceramic 87 Hotels 84 Plastic 82 Rubber 60 Gems & Jewellery 57 Trade 42 Computer/IT Related 19 Services 14 Aviation - Automobiles - Misc & Others 1,611 Total 9,779 ( `. in Crores) Sector wise breakup of Standard Restructured Advances(Domestic) -As per RBI guidelines 14

15 Sale of Assets to ARCs FY 13-14FY Q1Q2Q3Q4FY14Q1Q2 Net Outstanding of Accounts sold -3001,5902,5154,4051, Of which, Prudential written off (PWO) Existing Gross NPAs sold ,4091, Current Year NPAs sold ,025-- Sale of SMA (`. in Crores)

16 Sept.-13Mar-14June-14Sept.-14 Gross NPA9,88011,86812,53214,127 Net NPA6,1577,4178,0429,101 Gross NPA % Net NPA % Provision Coverage Ratio % Asset Quality 16 (`. in Crores)

17 Sep 2013Dec 2013Mar 2014Jun 2014Sept IndianForeignTotalIndianForeignTotalIndianForeignTotalIndianForeignTotalIndianForeignTotal Opening Balance 82,441,1689,413 8,7741,1069,8808,7901,23310,02310,2741,59411,868 11, ,532 Less : ,0011,270-21,2681, , Total Recovery Recovery from loan book From sale of assets to ARC Upgradation , Write Off Total reduction ,009 1,68131,6841, ,7742, ,052 1,383251,408 Less URI Add : Slippages 1, ,469 1, ,7473, ,6103, ,777 2, ,971 Closing Balance 8,7741,1069,880 8,7901,23310,02310,2741,59411,86811,1601,37212,532 12,5971,53014,127 (`.. in Crores) Movement of NPA (Q-o-Q) 17

18 SectorSept. 13Mar 14Jun-14Sept. 14 Sept. 13 (% to GNPA) Mar 14 (% to GNPA) Sept.-14 (% to GNPA) Agriculture Industry 5,2357,0947,5718, Services 2,4972,3182,6872, Retail Total 8,77410,27411,16012,597 (`. in Crores) Sector wise NPA 18 Domestic SectorSept. 13Mar 14Jun-14Sept. 14 Sept. 13 (% to GNPA) Mar 14 (% to GNPA) Sept.-14 (% to GNPA) Trade Manufacturing Real Estate Others Total 1,1061,5941,3721,530 ( Rs. in Crores) Overseas

19 Sept. 13Mar 14Sept. 14 AFSHTMHFTTotalAFSHTMHFTTotalAFSHTMHFTTotal 1. SLR Investments 9,702 74, ,861 15,47076, , Of Which: Government Securities 9,702 73, ,705 15,47076, , Other Approved Securities M Duration Non SLR Investments 17,945 1,148-19,093 11,7441,198-12, M Duration Total 27,646 75,264441,02,954 27,21477,650201,04, ( `.. in Crores) Investments (Domestic) 19 INVESTMENT PORTFOLIO WAS BUILT UP IN THE RISING RATES SCENARIO

20 Particulars Quarter ended Y-O-Y Growth % Sept. 13Mar 14Jun 14 Sept. 14 Interest Income9,24010,36010, a. From Advances6,6327,2817, b. From Investments2,1292,1852, c. Other Interest Income Interest Expended6,7137,3137, a. On Deposits5,9666,3206, b. On Borrowings c. Subordinated Bonds d. Others Net Interest Income2,5273,0472, (`. in Crores) Net Interest Income (Quarter ended) 20 HEALTHY INCREASE IN NII OF 20% UP FROM 15% YoY

21 ( `. in Crores) Non Interest Income (Quarter ended) 21 Particulars Sept. 13Mar 14Jun 14Sept. 14 Y-O-Y Growth % Commission, Exchange & Brokerage Profit from Sale of Investments Profit from Exchange Transactions Recovery In W/o accounts Other Non Interest Income Total Non Interest Income 1, ,0241, TRANSACTION & MERCHANT BANKING WILL PROVIDE TRACTION TO NON-INTEREST INCOME

22 IncomeSept. 13Mar. 14Jun 14Sept. 14 Y-O-Y Growth % 1. Total Income 10,34011,27411,32912, a. Interest Income 9,24010,36010,30411, b. Non Interest Income 1, ,0241, Total Expenditure 8,2379,2789,2699, a. Interest expended 6,7137,3137,6188, b. Operating Expenses 1,5241,9651,6511, Operating Profit 2,1031,9962,0602, ( `. in Crores) Profitability (Quarter ended) 22

23 IncomeSept. 13Mar 14Jun 14Sept. 14 Y-O-Y Growth % Operating Profit 2,1031,9962,0602, Provisions Prov. for Taxation Prov. For B&D 1,0351, Prov. For Standard Assets Prov. For Depreciation on Investment NPV Prov./ Other Prov Total Provisions 1,4811,4391,2551, Net Profit M Provisions (Quarter ended) ( `. in Crores) 23

24 Sept. 13Mar 14Sept. 14 IndianForeignGlobalIndianForeignGlobalIndian Foreign Global Cost of Deposits Cost of Funds Yield on Advances Yield on Investments Yield on Funds Interest Spread NIM Cost to Income Ratio Return on Assets (ROA) Return on Equity Book Value Per Share (Rs.) Earning Per Share (Rs.) N Key Financial Ratios – Quarter ended 24

25 Basel - II ParticularsSept. 13Mar 14Jun14Sept. 14 Capital Adequacy - Basel II Tier I Capital 23,04026,24826,23328,016 Tier II Capital 9,51711,10311,32012,169 Total Capital 32,55737,35137,55340,184 Total Assets 513,042573,190597,504606,240 Risk Weighted Assets 299,777347,014348,170349,518 CRAR - Tier I (%) CRAR - Tier II (%) CRAR (%)- Basel II Capital Adequacy -Basel II ( `. in Crores) 25

26 ParticularsSept. 13Mar 14Jun 14Sept. 14 Capital Adequacy - Basel III CET1 Capital ,77123,90224,023 AT1 Capital 18121,3891,4353,948 Tier I Capital ,16025,33727,971 Tier II Capital 91269,4999,56710,507 Total Capital ,65934,90438,478 Total Assets 513,042573,190597,504606,240 Risk Weighted Assets 302,253347,702349,682350,743 CRAR – CET1 (%) 7.15% CRAR – AT1 (%) 0.60% CRAR – Tier I (%) 7.75% CRAR - Tier II (%) 3.02% Capital Adequacy Basel III (%) Capital Adequacy – Basel-III ( `. in Crores) 26 AT1 Rs.2,500 CRORE RAISED IN AUGUST 2014

27 (`. in Crores) Productivity 27 CONSISTENT INCREASE IN PRODUCTIVITY

28 Multiple Delivery Channel Branch Expansion Debit Card (‘000) ATM Roll-Out 28 Credit Card

29 Multiple Delivery Channel Internet Retail (‘000) Mobile Banking Users Internet Corporate 29

30 Financial Inclusion 30 FLCs – No. Of outdoor activities undertaken RSETI – No. of Candidates Trained

31 30 th September, 2014 Shareholding Pattern 31

32 Financial Inclusion & Payment System Award by Elets Media at New Delhi at the hands of Minister of Rural Development. Bank has received Skoch award 2013 for IT innovation. Bank has received “Best Banker” award at the India SME excellence Awards-2013, for exemplary contribution in Banking Sector. Bank received the Award CIO for the product Startoken NG Awards & Recognition 32 Bank received Skoch Group Financial Inclusion Deepening Award – June 2014 Bank won IT excellence award by ETNOW and VMW are for effectively implementing Virtualization in the Bank.

33 Growth Drivers for FY15 GROWTH DRIVERSGROWTH DRIVERS GROWTH DRIVERSGROWTH DRIVERS SCALING UP RETAIL & SME LOANS BUOYANCY IN FEE INCOME PRE-EMPTIVE & PREVENTIVE NPA MANAGEMENT IMPROVED ENGAGEMENT WITH CUSTOMERS 33 TACTICAL CHANNEL IMPROVEMENTS

34 34 Update on Initiatives  Retail Business Centers (RBC) are 50 in operational, more than double, whereas SME City Centre 28 in operational, more than 50% higher in compared to last year  Loan portfolio growth in Retail has been 18% YoY, whereas schematic retail has grown by 28%.  IN Micro and small enterprises have registered a growth of 21.1% YoY  Bank has extended 24,425 units secured under CGTMSE amounting to Rs Cr during 1 st Half.  Bank has entered with Maruti, Tata Motors and Ashok Leyland for financing their dealers. RETAIL & SME BUYONANCY IN FEE INCOME  A Sharp increase is expected in Fee Income during 2 nd Half Year of this FY.  Transaction banking as gathered momentum  Merchant banking subsidiary has been floated.  Movement in yield curve has been favorable

35 35 Update on Initiatives Contd….  In 1 st Half, we have added 1,522 ATMs (FY14: 4225), 107 Future-ready branches (FY 14:130 ) and 195 e-galleries (FY14:55).  First PSU bank to launch Instant-Money-Transfer on all ATMs nationwide.  First PSU bank to launch Face-book Page.  Over 35 Lakhs accounts have been opened under PMJDY. IMPROVED ENGAGEMENT WITH CUSTOMER PRE-EMPTIVE AND PREVENTIVE NPA MANAGEMENT  In 1 st Half, Recovery in NPA accounts excluding Sale to ARC has been more than whole of last year.  Bank has revamped its risk assessment systems in all areas of risk and has also built in predictive systems for indentifying the weakness in advances.

36 36 Way Forward Loan Growth Net Interest Margin Fee Income Growth Gross NPA Net NPA CASA Growth Additional Branches 14% to 16% 2.75% (Domestic) 1.5% (International) 2.75% (Domestic) 1.5% (International) 20% Below 3% Below 2% 20% 300 Additional ATMs 1000 Provision Coverage Ratio 58 to59 %

37 THANK YOU! 37


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