HIGHLIGHTS AS ON DEC-13 (9M)
Gross NPA
Ratio
2.81%
Provision Coverage
Ratio
63.77%
Net NPA
Ratio
Standard Restructured
Portfolio
1.75 %
6.14%
Particulars
%age growth
Global Deposits
30.08%
Global Advances
27.18%
CASA Deposits
15.90%
Operating Profit
19.39%
Net Profit
8.98%
Net Interest Income
18.86%
Non-Interest Income
26.42%
2
Business Performance: Dec-2013














Global Business reached `810,687Crore (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-13
Standard 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-13
No. of ATMs increased from 2133 March-13 to 3362 in Dec-13
3
Business Growth- Sequential
( ` in Crore)
March-13
June-13
Sep-13
Dec-13
Growth
%
Y-o-Y
Business Mix
Dec-12
Domestic
457,156
498,103
524,995
555,007
575117
25.80
Foreign
172,317
176,705
199,401
214,098
235570
36.71
Global
629,473
674,808
724,396
769,105
810687
28.79
4
Deposits- Sequential
( ` in Crore)
Dec-12
Domestic
Mar-13
268,176
294,067
Foreign
80,941
87,773
Global
349,117
381,840
June-13
Sep-13
316,112 322,193
Dec-13
Growth %
Y-o-Y
339714
26.68
110,089
114426
41.37
414,964 432,282
454140
30.08
98,852
5
CASA Growth- Sequential
( ` in Crore)
101,957
100,000
93,800
87,972
85,000
70,000
Qtr Dec.-12
Qtr Mar-13
Savings Deposit
CASA
Annual Growth: 14.08%
Annual Growth: 15.90%
Qtr Dec-13
CASA % (Aggregate
Deposits)
Sep-13: 30.44%
Dec-13 : 30.99%
6
Bulk Deposits
( ` in Crore)
Dec – 12
Mar - 13
Dec -13
% of Domestic
Deposits
Bulk deposits
40,968
27,173
19,667
5.79
Certificate of
Deposits
9,470
11,997
10,261
3.02
Total
50,438
39,170
29,928
8.81
7
FCNR & NRE Deposits
( ` in Crore)
Parameter
Dec – 12
Mar - 13 June-13
Sep-13
Dec-13
Growth %
Y-o-Y
FCNR (B)
5,240
5,310
6,026
10,056
17,564
235.19
NRE
8,785
9,526
10,469
11,464
11,710
33.30
NRE SB
1,905
1,821
2,024
2,076
2,052
7.72
NRE TD
6,880
7,705
8,445
9,388
9,658
40.38
NRO
1,912
1,852
1,847
1,883
1,877
-1.83
8
Gross Advances-Sequential
Sep-13
Dec-13
Growth %
Y-o-Y
Dec-12
Mar-13
188,980
204,036
208,883 232,815 235,403
24.57
Foreign
91,376
88,932
100,549 104,009 121,144
32.58
Global
280,356
292,968
309,432 336,824 356,547
27.18
Domestic
June-13
( ` in Crore)
9
CD Ratio
( ` in Crore)
Dec-12
Domestic
International
Global
Mar - 13
Dec-13
70.46
69.38
69.29
112.88
101.32
105.87
80.30
76.73
78.51
10
Key Sectors (Domestic Credit)
Dec -12
March-13
( ` in Crore)
Dec-13
% Growth
Y-o-Y
Agriculture
24,949
27,041
32,387
29.81
MSME (Priority
& Non Priority)
32,561
37,230
39,735
22.03
20,914
22,350
25,527
22.06
Corporate
110,556
117,415
137,754
24.60
Total
188,980
204,036
235,403
24.57
8,813
9,531
10,498
19.12
Retail Credit
Total Export
Credit
11
Priority Sector
Industry
( ` in Crore)
Dec-12
Mar-13
Dec-13
% Growth
Y-o-Y
Agriculture
24,949
27,041
32,387
29.81
MSE
25,867
28,913
30,878
19.37
Housing Loan
6,080
6,790
7,230
18.91
Educational Loan
2,428
2,329
2,559
5.40
383
346
343
-10.44
59,707
65,518
73,397
22.93
Others
Total Priority Sector
Advances
%age to
ANBC
15.97
36.19
12
Retail Credit
Particulars
( ` in Crore)
Dec-12
March-13
Dec-13
% Y-o-Y
%age to
Domestic
Credit
Home Loan
9,557
10,267
12,072
26.32
5.13
Mortgage Loan
1,707
2,008
2,570
50.56
1.09
Auto Loan
1,939
2,037
2,283
17.74
0.97
Education Loan
2,429
2,411
2,614
7.62
1.11
727
779
856
17.74
0.36
4,555
4848
5,132
12.67
2.18
20,914
22,350
25,527
22.06
10.84
Personal Loan
Others
Total
13
Key Sector- Domestic Credit- Industry
Particulars
Dec-12
Mar-13
Dec-13
%age
Y-o-Y
( ` in Crore)
%age to
Domestic
Advances
%age NPA
to sector
wise
advances
Textiles
8,396
8,882
9,835
17.14
4.18
13.96
Chemicals & Chemical
products
4,931
5,110
6,424
30.28
2.73
5.11
Rubber, Plastic & their
products
2,498
2,549
2,700
8.09
1.15
6.85
13,324
13,699
13,843
3.90
5.88
9.17
Vehicles, vehicle parts &
Transport equipment
2,114
2,052
2,190
3.60
0.93
6.58
Gems & Jewellery
4,532
4,605
5,592
23.39
2.38
6.31
Construction
1,482
1,770
1,900
28.21
0.81
1.58
Infrastructure
31,509
33,495
37,995
20.58
16.14
1.34
Other Industries
22,023
23,288
25,546
16.00
10.85
6.54
Total
90,809
95,450 1,06,025
16.76
45.04
5.53
Basic metal & metal
products
. 14
Advances to Infrastructure Sector
( ` in Crore)
Particulars
Dec-12
March-13
Dec-13
21,073
(11.15%)
22,270
(10.91%)
23,681
(10.06%)
8,839
8,907
10,408
12,234
13,363
13,273
Telecommunication
1,430
1,427
1,383
Roads & Ports
6,588
7,174
9,507
Others
2,418
2,624
3,424
31,509
33,495
37,995
Power
Out of which:
a. State Electricity Boards (SEBs)
b. Others
Total
Figures in Bracket () denote the % to domestic advances
15
Movement of Restructured Assets
( ` in Crore)
Domestic
> 1 Cr
As on 31.03.2013
< 1 Cr
Total
Amount
9
764
37
367
15
645
4
649
280
As on 30.06.2013
21566
894
22460
2703
Additions during Q2
750
105
855
-
1318
37
1355
104
1459
721
4
725
420*
1145
21721
965
22686
3019
25705
As on 30.09.2013
627
128
330
Amount
755
Add/Less :1) (-)Closures/Repayment in
Restructured a/cs
2) (+)Increase in O/S balance in
Restructure a/cs
21423
Amount
23852
Add/Less :1) (-)Repayment in
Restructured a/cs
2) (+)Increase in O/S balance in
Restructure a/cs
798
Global
2429
Additions during Q1
20625
Foreign
382
929
25163
855
16
Restructured Accounts (Contd..)
(Includes all facilities of the borrowers)
( ` in Crore)
Domestic
> 1 Cr
As on 30.09.2013
Additions during Q3
Add/Less :1) (-)Closures/Repayment in
Restructured a/cs
2) (+)Increase in O/S balance in
Restructureda/cs
As on 31.12.2013
< 1 Cr
Total
Amount
Foreign
Global
Amount
Amount
21721
965
22686
3019
25705
1029
117
1146
515
16616
2184
42
2226
113
2339
645
7
652
36
688
21212
1047
22259
3457
25716
17
Standard Restructured Advances
as on 31.12.2013 as per RBI Guidelines
( ` in Crore)
Particulars
Dec-13
% to Advances
Domestic
14,466
6.14
Foreign
1,928
1.59
Total
16,394
4.60
18
Restructured Assets (Domestic) – Quarter-wise
(` in Crore)
Quarter ended
Amount Restructured
December, 2012
1,996.18
March, 2013
2297.00
June, 2013
755.18
September, 2013
855.25
December, 2013
1146.30
19
Segment-wise Standard Restructured Assets
as on 31.12.2013
(` in Crore)
Domestic
Foreign
Global
4,210
147
4,357
645
-
645
Other Restructuring
9,611
1781
11,392
Total
14,466
1928
16,394
CDR Restructuring
SME Debt Restructuring
20
Sector wise breakup of Standard Restructured Advances (Domestic)
( ` in Crore)
SECTOR
INFRA
AVIATION
TEXTILES
STEEL
HOTELS
ENGINEERING
COMPUTER/IT RELATED
SUGAR
EDUCATION
PHARMACEUTICALS
OTHER METALS
CONSTRUCTION
PAPER & PAPER PRODUCTION
CHEMICALS
AGRI
TRADE
CRE
SERVICES
AUTOMOBILES
MISC **
GRAND TOTAL
AMOUNT
4,427
2,435
1,016
1,006
710
831
520
286
266
149
120
78
161
136
51
286
10
255
1,724
14,466
21
NPA Ratios
( ` in Crore)
Dec-12
Mar-13
June-13
Sep-13
Dec-13
Gross NPA
8,625
8,765
9,414
9,880
10,023
Net NPA
5,455
5,947
6,409
6,156
6,147
Gross NPA %
3.08
2.99
3.04
2.93
2.81
Net NPA %
1.97
2.06
2.10
1.85
1.75
60.74
60.92
60.97
63.29
63.77
Provision
Coverage Ratio %
22
Movement of NPA (9 months ended)
( ` in Crore)
(01.04.2013 to 31.12.2013)
Dec. 2012
Dec 2013
Indian
Foreign
Total
Indian
Foreign
Total
Opening Balance
5170
724
5894
7152
1613
8765
Add : Slippages
4925
777
5702
4763
440
5203
Total
10095
1501
11596
11915
2053
13968
Recovery
970
44
1014
1773
35
1798
Upgradation
710
33
743
738
163
901
Write Off
1128
2
1130
663
635
1298
Total reduction
2808
79
2887
3174
823
3997
76
8
84
-50
-3
-53
7211
1414
8625
8790
1233
10023
Less :
Less URI
Closing Balance
23
Sale of Assets to ARCs
( ` in Crore)
Mar-13
Mar-14
FY
Q1
Q2
Q3
No. of Accounts Sold
-
-
16
2,12,342
Aggregate Outstanding of
Accounts sold
-
-
313
1744
Of which
Written of Assets sold
-
-
127
722
-
-
143
428
-
-
43
594
Existing Gross NPAs sold
(NPAs before 31.03.13)
Current Year NPAs sold and
adjusted from Slippages
(NPAs After 01.04.13)
24
Sector-wise breakup of NPA (Domestic)
( ` in Crore)
Sector
Agriculture
Mar-13
June-13
Sep-13
Dec-13
Dec-13
% to Total
Advances
613
737
744
533
0.23
Industry
4,446
4,972
5,235
5,864
2.49
Services
1,848
2,230
2,497
2,173
0.92
Retail
244
304
298
220
0.09
Total
7,151
8,243
8,774
8,790
3.73
25
Industry-wise breakup of NPA (Domestic)
INDUSTRY
Mining and Quarrying
Food Processing
Beverage & Tobacco
Textile
Leather
Wood
Paper
Petroleum
Chemical
Rubber Plastics
Glass & Glassware
Cement & Cement Products
Basic Metal
All Eng
Vehicle & vehicle part
Gems & Jewellry
Construction
Infrastructure
Others
TOTAL
Mar-13
81
273
7
1388
40
8
23
68
488
53
1
19
1110
88
12
82
21
329
355
4446
June-13
70
297
19
1565
41
9
109
68
409
113
30
21
1270
90
12
95
20
340
394
4972
Sep-13
70
317
15
1684
44
71
116
69
389
187
30
26
1107
142
15
114
35
338
469
5235
( ` in Crore)
DEC'13
138
456
8
1373
38
8
151
207
328
185
29
81
1270
143
144
353
30
511
411
5864
Dec-13
Dec-13
% to Total % to Total
NPA
Advances
2.35
0.06
7.78
0.19
0.14
0.00
23.41
0.58
0.65
0.02
0.14
0.00
2.58
0.06
3.53
0.09
5.59
0.14
3.15
0.08
0.49
0.01
1.38
0.03
21.66
0.54
2.44
0.06
2.46
0.06
6.02
0.15
0.51
0.01
8.71
0.22
7.01
0.17
100.00
2.49
26
Major Slippages during the Quarter(Domestic)
INDUSTRY
Mining
Food processing
Beverage & Tobacco
Textile
Leather
Wood
Paper
Petroleum
Chemical
Rubber Plastics
Glass & Glassware
Cement & Cement Products
Basic Metal
All Engineering
Vehicle & vehicle part
Gems & Jewellery
Construction
Infrastructure
Others
Qtr Mar-13
3.4
5.4
0.5
824.5
0
0
6.8
41.5
111.4
23.8
0
0
275.3
1
3.2
0
0.6
0
119.7
Qtr June-13
5.7
20.3
0.4
227.9
0
0.5
92.8
0
37.2
43.1
29.4
0.7
67.7
1.8
0.9
12.9
1.6
16.5
12.7
( ` in Crore)
Qtr Sep-13
2.2
9.3
4.3
208
1.9
65.4
4.1
0
60.9
52.1
0.7
1
36.7
54.1
0
305
8.7
282.3
20.7
Qtr Dec-13
76
222
0
110
2
2
43
112
55
13
0
56
289
85
134
11
16
152
13
27
Net Interest Income
(` in Crore)
Quarter ended
Particulars
Interest Income
Dec-12
Dec-13
Variation
Y-o-Y %
Nine Months ended
Dec-12
Dec-13
Variation
Y-o-Y %
8,023
9769
21.76
23,737
27,550
16.06
a. From Advances
5,791
7017
21.17
17,213
19,839
15.26
b. From Investments
1,809
2207
22.00
5,541
6,220
12.25
c. Other Interest
Income
423
545
28.84
983
1,491
51.68
Interest Expended
5,714
7050
23.38
17,189
19,767
15.00
a. On Deposits
5,085
6089
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
2,308
2719
17.81
6,548
7,783
18.86
Net Interest Income
28
Non Interest Income
(` in Crore)
Quarter ended
Particulars
Dec-12
Commission, Exchange &
Brokerage
Variation
Y-o-Y %
Dec-13
Nine Months ended
Dec-12
Variation
Y-o-Y %
Dec-13
293
354
20.82
883
1019
15.40
86
127
47.67
290
712
145.52
Profit from Exchange
Transactions
181
207
14.36
459
629
37.04
Recovery In W/o accounts
246
226
-8.13
649
592
-8.78
Other Non Interest Income
131
183
39.69
391
426
8.95
Total Non Interest Income
937
1097
17.08
2,672
3378
26.42
Profit from Sale of
Investments
29
Profitability
(` in Crore)
Quarter ended
Income
Dec 12
Dec 13
Variation
Y-o-Y %
Nine months ended
Dec 12
Dec 13
Variation
Y-o-Y %
8,960
10866
21.27
26,409
30928
17.11
8,023
9769
21.76
23,737
27550
16.06
937
1097
17.08
2,672
3378
26.42
7,104
8722
22.78
21,026
24501
16.53
a. Interest expended
5,714
7050
23.38
17,189
19767
15.00
b. Operating Expenses
1,390
1672
20.29
3,837
4735
23.40
1,856
2144
15.52
5,383
6427
19.39
803
586
-27.02
1,993
2172
8.98
1. Total Income
a. Interest Income
b. Non Interest Income
2. Total Expenditure
3. Operating Profit
4. Net Profit
30
Provisions
(` in Crore)
Nine months ended
Quarter ended
Income
Dec 12
Operating Profit
Dec 13
Variation
Y-o-Y %
Dec 12
Dec 13
Variation
Y-o-Y %
1,856
2144
15.52
5,383
6427
19.39
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
1,052
1558
48.10
3,391
4255
25.48
803
586
-27.02
1,993
2172
8.98
Provisions
Total Provisions
Net Profit
31
Capital Adequacy – Basel-II (Q-o-Q)
( ` in Crore)
Basel - II
Dec-12
March-13
June-13
Sep-13
Dec-13
TIER I CAPITAL
20,246
23,018
23,035
23,040
24,045
TIER II CAPITAL
7,830
7,916
7,748
9,517
9,945
TOTAL CAPITAL
28,076
30,934
30,782
32,557
33,990
TOTAL ASSETS
415,966
452,602
485,825
513,042
536,492
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
10.59
11.02
10.66
10.86
11.22*
-
-
10.36
10.77
10.84
CRAR (%)
Capital Adequacy
Basel-III
* Taking into consideration profit for 9 months after adjustment of dividend
32
Cost & Yield Ratios
Parameter
Domestic
Dec-12
Foreign
Dec-13
Dec-12
Dec-13
Cost of Deposits
7.29
7.16
1.32
0.99
Cost of Funds
6.89
6.70
2.18
1.73
11.58
11.32
3.14
2.58
Yield on Investments
7.94
8.35
5.52
3.98
Yield on Funds
9.39
9.20
3.39
2.76
2.50
2.50
1.22
1.03
2.73
2.89
1.27
1.10
44.26
45.32
23.32
21.64
0.70
0.60
0.44
0.44
Yield on Advances
Interest Spread
NIM
Cost to Income Ratio
Return on Assets (ROA)
Parameter
Return on Equity
Book value per Share (Rs.)
Earning per share (Rs.)
Dec-12
Dec-13
13.45
12.60
361.21
378.86
34.73
36.23
33
Investments (Domestic)
( ` in Crore)
Dec- 12
Dec- 13
AFS
HTM
HFT
TOTAL
AFS
HTM
HFT
TOTAL
13971
57650
25
71646
12851
74632
290
87773
13971
57482
25
71478
12851
74476
290
87617
OTHER APPROVED
SECURITIES
-
168
-
168
-
156
-
156
M Duration
-
-
-
-
3.60
5.07
5.81
4.85
10140
1087
1.1
11228
14984
1146
-
16129
-
-
-
-
2.35
0.49
-
2.31
24111
58737
26
82875
27834
75778
290
103902
1. SLR
INVESTMENTS
OF WHICH:
GOVERNMENT
SECURITIES
2. NON SLR
INVESTMENTS
M Duration
TOTAL
34
Awards & Accolades
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.
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.
35
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.
36
Way Forward
 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.
37
38