Relationship beyond banking
1
Relationship beyond banking
Relationship beyond banking
3
Awards & Accolades
Relationship beyond banking
4
Awards & Accolades
Relationship beyond banking
5
New Intiatives
Relationship beyond banking
6
IT New Intiatives
Relationship beyond banking
7
Investor Profile- Shareholding Pattern (%)
Mutual Funds,
NRIs/FII, 0.43%
Corporate
0.62%
Bodies, 1.04%
Indian
Public,
5.58%
Dec-11
Promoter(GOI)
FI Investor
FIs/Banks
Insurance Cos,
11.04%
Insurance Cos
Mutual Funds
FIs/Banks, 0.20%
Promoter(GOI),
65.86%
FI Investor,
15.23%
Relationship beyond banking
8
Corporate Bodies
NRIs/FII
Indian Public
Global Footprints – Foreign Branches of the Bank
USA (New York & SFO)
UK (London + 7branches)
Europe
-France (Paris)
-Belgium (Antwerp)
Hong Kong
Kowloon
Shenzen
Singapore
Jakarta
Ho Chi Minh
Japan (Tokyo & Osaka)
Phnom Penh
Dubai
(Representative office)
West Indies
- Cayman Islands
Channel Islands
Kenya (Nairobi, Mombasa,
Ind Area & Westlands)
Tanzania
(Subsidiary),
Jo’burgh (SA)
Relationship beyond banking
9
New Zealand
(Subsidiary)
Credit Rating - International & Domestic
Relationship beyond banking
Highlights
• Business touched `5,403,668 Mn ( YoY Growth 21.35%)
• Deposits stood at `3,072,523 Mn (YoY Growth 21.67%)
• CASA at 32.41%
• Advances at `2,331,146 Mn (YoY Growth 20.94%)
• Operating Profit increased from ` 13,888 Mn to `17,319 Mn (YoY Growth 24.69%)
• Net Profit Increased from `6,532 Mn to `7,162Mn (YoY Growth 9.64%)
• Net Interest Margin increased from 2.44% to 2.55% (Sequentially)
• Non Interest Income increased from ` 6,482 Mn to ` 8,522 Mn (YoY Growth 31.48%)
• Gross NPA ratio decreased from 3.02% in Sept 11 to 2.74% in Dec 11
• Net NPA ratio decreased from 1.98% in Sept 11 to 1.78% in Dec 11
• Cost to income ratio reduced from 47.30% in Dec 10 to 40.68% in Dec 11
• ROA improved from 0.56% in Sept 11 to 0.80% in Dec 11
• ROE improved from 12.07% in Sept 11 to 16.97% in Dec 11
Relationship beyond banking
11
Major Business Parameters
Quarter ended
Dec-10
Mar -11
Jun -11
Sept -11
Dec -11
Business Mix
4,452,795
5,150,401
5,080,339
5,160,250
5,403,668
Deposits
2,525,257
2,988,858
2,930,984
2,990,741
3,072,523
Advances
1,927,538
2,161,543
2,149,355
2,169,509
2,331,146
Operating Profit
13,888
12,053
13,959
15,515
17,319
Net Profit
6,532
4,936
5,175
4,911
7,162
NIM (%)
3.09
2.94
2.19
2.44
2.55
Gross NPA (%)
2.36
2.23
2.69
3.02
2.74
Net NPA (%)
0.88
0.91
1.27
1.98
1.78
Return on Assets(%)
0.89
0.61
0.59
0.56
0.80
Rtn. on Equity (%)
18.50
13.19
13.13
12.07
16.97
Book Value (INR)
274.78
283.24
292.90
301.87
314.96
Relationship beyond banking
12
Deposits
Deposits
4.00
3.00
2.53
2.53
3.07
2.99
2.99
2.45
2.15
2.44
Foreign
2.00
Indian
1.00
0.38
0.46
0.55
0.63
0.00
Dec. 10
Relationship beyond banking
March 11
Sept.11
13
Dec. 11
Global
Domestic Deposits (CASA)
900,000
800,000
692,872
731,385
741,675
587,218
588,384
766,524
785,712
635,129
636,062
700,000
600,000
500,000
556,665
CASA
400,000
SB
300,000
CD
200,000
100,000
0
136,207
144,167
153,291
131,395
149,650
Dec-10
Mar-11
Jun-11
Sep-11
Dec-11
Relationship beyond banking
14
Domestic Deposits – Category-wise
RURAL
286.13
12%
SEMIURBAN
299.59
12%
Dec'11
METRO
1412.46
58%
URBAN
445.03
18%
Relationship beyond banking
15
Gross Advances
2.50
FOREIGN
INDIAN
1.93
2.00
1.00
2.16
1.63
1.58
0.70
0.59
0.51
0.42
2.33
2.17
1.65
1.51
1.50
0.50
GLOBAL
0.00
Dec'10
Relationship beyond banking
March'11
Sept. 11
16
Dec'11
Domestic Advances – Category Wise as on 31.12.2011
Dec
11
RURAL
148.57
9%
SEMIURBAN
130.14
8%
URBAN
268.07
16%
Relationship beyond banking
METRO
1086.46
67%
17
Key Sectors (Domestic Credits)
Mar-11
Sept. 11
Agriculture
205,400
227,380
196,410 207,799
1.17
SME (Priority
& Non
Priority)
295,680
300,450
305,240 311,500
5.07
Retail Credit
156,200
166,480
163,950 180,040
15.26
Corporate
851,750
957,160
913,040 933,910
9.65
Relationship beyond banking
18
Dec-11
% Y-o-Y
Growth
Dec-10
Domestic Credit
Sector
Dec-10
Mar-11
Sep-11
Dec-11
Gross advances
1,509,020
1,651,470
1,578,640
1,633,250
34,200
33,410
33,090
39,400
15.20%
1,474,820
1,618,060
1,545,550
1,593,850
8.07%
156,200
166,480
163,950
180,040
15.26%
-Residential
mortgage
75,610
74,780
79,460
85,750
13.41%
-Business
Mortgage loans
15,190
14,950
16,330
16,710
10.01%
-Auto Finance
14,620
14,080
14,940
17,810
21.82%
-Educational
loan
19,100
19,460
21,340
21,680
13.51%
- Others
31,680
43,210
31,880
38,090
20.23%
-Food credit
-Non-food credit
Retail credit
Relationship beyond banking
19
% YoY
Growth
8.23%
Sector Wise Breakup (Non Food Credit)
Sector
Dec-10
Sep-11
Dec-11
Agriculture
205,400
196,410
207,800
Industry
602,080
635,020
749,150
Services
511,150
550,170
456,860
-Trade
87,200
98,950
108,370
-Others
423,950
451,220
348,490
156,200
163,950
180,040
1,474,830
1,545,550
1,593,850
Retail Credit
Total
Relationship beyond banking
20
% YoY
Growth
1.17%
24.43%
-10.62%
24.28%
-17.80%
15.26%
8.07%
Industry Wise Credit
Industry
Textiles
Dec-10
Sep-11
Dec-11
YoY
Growth %
63,690
75,420
77,940
22.37%
39,240
45,150
46,030
17.30%
16,160
20,360
21,410
32.49%
93,390
113,870
120,800
29.35%
23,340
22,750
24,310
4.16%
Gems & Jewellery
25,530
30,670
31,470
23.27%
Construction
17,730
11,840
9,980
-43.71%
Infrastructure
200,980
212,540
254,230
26.50%
Other Industries
122,570
155,460
162,980
32.97%
Chemicals & Chemical products
Rubber , Plastic & their products
Basic metal & metal products
Vehicles , vehicle parts &
Transport equipment
Relationship beyond banking
21
Advances to Sensitive Sectors - Domestic
SECTOR
MAR-11
1,509,030
1,651,472
194,974
203,623
203,490
205,015
207,017
12.68
 HOUSING
LOAN
75,610
74,783
78,401
79,466
85,756
5.25
 MORTGAGE
LOAN
15,190
14,950
19,843
17,372
16,709
1.02
 COMML.
REAL ESTATE
47,013
40,546
38,170
37,297
41,436
2.54
 Others(Invest
& Indirect)
58,540
73,344
67,076
70,880
63,116
3.86
 CAPITAL
MARKET
33,044
32,451
34,920
33,896
34,256
2.1
Total Advances
REAL ESTATE
JUN-11
SEPT.-11
1,611,230 1,578,634
DEC-11
% of Total
Advances
DEC-10
1,633,251
Out of which
Relationship beyond banking
22
RESTRUCTURED ACCOUNTS
Includes all facilities of the borrowers
Domestic
Foreign
Global
Total Amount
Amount
Amount
> 10 Mn
< 10 Mn
78,673
15,451
94,124
12,322
106,446
Additions during Q1
9,000
159
9,159
168
9,327
Less Repayment in Restructured a/c s /
Exchange fluctuation
-3879
-800
-4679
-79
-4758
83,794
14,810
98,604
12,411
111,015
Additions during Q2
4,396
455
4,851
2,866
7,717
Less Repayment in Restructured a/c s /
Exchange fluctuation
-6,320
-765
-7,085
-495
-7,580
81,870
14,500
96,370
14,782
111,152
Additions during Q3
21,947
389
22,336
7,769
30,105
Less Repayment in Restructured a/c s /
Exchange fluctuation
-2,873
-39
-3,912
-608
-4,520
100,944
14,850
114,794
21,943
136,737
As on 31.03.2011
As on 30.06.2011
As on 30.09.2011
As on 31.12.2011
Relationship beyond banking
23
MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS
Domestic
> 10 Mn
As on 31.03.2011
< 10Mn
Foreign
Total Amount
Amount
Global
Amount
16,885
1,253
18,138
-
18,138
Additions during Q1
3,591
750
4,341
-
4,341
Less Repayment in
Restructured a/c s /
Exchange fluctuation
-954
-62
-1,016
-
-1,016
21,430
1,941
23,371
-
23,371
Additions during Q1
3,271
214
3,485
874
4,359
Less Repayment in
Restructured a/c s /
Exchange fluctuation
1,044
15
1,059
-
1,059
23,657
2,140
25,797
874
26,671
As on 30.06.2011
As on 30.09.2011
Relationship beyond banking
24
% of Total
Restructured
A/cs
17.04
21.04
23.20
MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS
Domestic
> 10 Mn
As on 30.09.2011
< 10Mn
Foreign
Total Amount
Amount
Global
% of Total
Restructured
A/cs
Amount
23,657
2,140
25,797
874
26,671
23.20
Additions during Q3
5,139
738
5,877
0
5877
-
Less Repayment in
Restructured a/c s /
Exchange fluctuation
-299
-
-299
-27
-326
-
28,497
2,878
31,375
847
32,222
23.39
As on 31.12.2011
Relationship beyond banking
25
Sector-wise breakup of restructured accounts (>10 Mn)
(Domestic) in Q3
SECTOR
Agriculture
AMOUNT
467.27
Ceramics
Chemicals
Construction
Education
Engineering
Entertainment
Miscellaneous
Paper
Pharmaceuticals
Services
Sugar
Telecom
Textiles
Trade
Retail
Grand Total
437.00
110.55
353.11
141.24
5,688.58
1,911.50
135.90
1,134.42
216.80
377.74
587.97
9,761.96
22.52
268.35
332.72
21,947.63
Relationship beyond banking
26
Restructured A/Cs Slipped (>Rs.10 Mn) –(Domestic)
Number of
Accounts
slipped during
Quarter
Amount in
INR/Mn
June 10
Sep t. 10
6
19
6
13
12
22
4
718
2,430
252
972
3,591
3,271
5,139
Relationship beyond banking
Dec 10
Mar 11
27
Jun 11
Sept. 11
Dec 11
Sector-wise breakup of restructured accounts Slipped to
NPA (>10 Mn) (Domestic)
S.No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
Sector
AGRICULTURE
Qtr
Dec’10
Qtr
Mar’11
Qtr
Qtr
Qtr
Jun’11 Sept.’11 Dec’11
18
15
417
48
40
CHEMICALS
0
14
0
0
0
CRE
0
0
0
0
0
17
103
723
255
0
0
281
1,869
0
0
59
58
409
231
0
0
0
0
0
0
0
354
0
275
0
STEEL
0
88
96
54
0
TEXTILES
0
12
0
1,286
0
TRADING
158
47
77
317
0
CERAMICS
0
0
0
446
0
SUGAR
0
0
0
359
0
Aviation
0
0
0
0
5,112
0
0
0
0
27
252
972
3,591
3,271
5,139
ENGINEERING
INFRASTRUCTURE
MISC
PAPER & PAPER
PRODUCTS
SERVICES
AGGREGATE
Relationship beyond banking
28
NPA Movement
Dec-10 ( 9 months)
Indian
Foreign
Global
Sept. 11 (Half Year)
Indian
Foreign
Global
Dec-11 (9 months)
Indian
Foreig
n
Global
Opening Gross
NPA
44,810
4,020
48,830
43,570
4,550
48,120
43,570
4,550
48,120
Total Reduction
20,660
750
21,410
25,300
170
25,470
31,900
200
32,100
Recovery
6,120
220
6,340
5,200
90
5,290
7,890
110
8,000
Upgradation
9,180
170
9,350
2,730
0
2,730
4,000
0
4,000
Write-off
5,360
360
5,720
17,380
80
17,460
20,010
90
20,100
Slippages
17,950
1,180
19,130
42,230
2,830
45,050
46,650
3,600
50,250
Net
Addition/Reduction
-2,710
430
-2,280
-16,930
-2,650
-19,580
14,750
3,400
18,150
Gross NPA
42,100
4,440
46,540
60,490
7,210
67,700
58,320
7,950
66,260
1,120
0
1,120
2,210
10
2,220
2,390
10
2,400
40,980
4,440
45,420
58,280
7,200
65,480
55,920
7,940
63,860
Less Unrealised
Interest on
NPA
Closing Gross
NPA
Relationship beyond banking
29
NPA Sequential Ratios
Dec-10
Indian
Foreign
Sept. 11
Global
Indian
Foreign
Dec-11
Global
Indian
Foreign
Global
Closing Gross
NPA
40,982
4,438
45,421
58,283
7,197
65,480
55,924
7,936
63,860
Total Nettable
Credits
27,307
3,200
30,507
18,707
4,328
23,035
18,163
4,766
22,929
19,556
3,185
22,741
12,450
4,266
16,716
11,246
4,714
15,960
7,751
15
7,766
6,257
62
6,319
6,917
52
6,969
15,348
1,254
16,603
39,576
2,869
42,445
37,761
3,170
40,931
Gross NPA Ratio
(%)
2.72
1.06
2.36
3.69
1.22
3.02
3.42
1.14
2.74
Net NPA Ratio (%)
1.04
0.30
0.88
2.54
0.49
1.98
2.34
0.46
1.78
74.72
71.74
74.52
59.06
60.14
59.13
60.94
60.06
60.87
NPA Provision
Other credits
Net NPA
Provision
Coverage
Ratio (%)
Relationship beyond banking
30
Sector wise Breakup of NPA - Domestic
Agriculture
Industry
Services
Personal Loans
DOMESTIC
( TOTAL)
FOREIGN
GLOBAL
(TOTAL)
% of Total
% of Total NPA Sectoral
Advances
Dec- 10
Sep- 11
Dec- 11
6,893
11,960
9,153
16.37
4.78
15,753
24,186
22,595
40.41
3.05
12,409
15,785
19,273
34.46
3.54
5,926
6,353
4,900
8.76
3.13
40,982
58,284
55,923
100
-
4,439
7,197
7,936
-
-
45,421
65,481
63,859
-
Relationship beyond banking
31
-
Overseas NPAs
Dec -10
Sep- 11
Dec-11
2,169
3,563
3,476
377
768
1,015
REAL ESTATE
1,229
1,424
1,526
OTHERS
TOTAL
663
4,438
1,442
7,197
1,919
7,936
TRADE
MANUFACTURING
Relationship beyond banking
32
Profit – Summary
Qtr
Dec 2010
Qtr
Mar 2011
Qtr
Jun 2011
Qtr
Sept. 2011
Qtr
Dec 2011
Variation
Y-o-Y (%)
1 Interest Earned
54,675
63,069
66,335
68,864
71,501
30.77
2 Interest Expended
Net Interest Income
3 (1 - 2)
34,806
39,996
47,926
49,825
50,826
46.03
19,869
23,073
18,409
19,039
20,675
4.06
4 Non-Interest Income
Total Operating Income
5 (3+4)
6,482
8,231
6,601
8,418
8,522
31.47
26,351
31,304
25,010
27,457
29,197
10.80
6 Operating Expenses
12,463
19,251
11,051
11,942
11,878
-4.69
7 Operating Profit (5 - 6)
13,888
12,053
13,959
15,515
17,319
24.70
8 Total Provision
7,356
7,117
8,784
10,604
10,157
38.08
9 Net Profit
6,532
4,936
5,175
4,911
7,162
9.64
Relationship beyond banking
33
Net Interest Income
Qtr
Dec-10
Qtr
Mar-11
Qtr
Jun-11
Qtr
Sept.-11
Qtr
Dec-11
Variation
Y-o-Y
(%)
TOTAL INTEREST INCOME
54,675
63,069
66,335
68,864
71,501
30.77
INT. INCOME FROM
ADVANCES
40,234
43,252
45,959
48,865
51,714
28.53
INT. INCOME FROM
INVESTMENTS
12,750
14,119
16,406
18,431
18,414
44.42
1,691
5,698
3,970
1,568
1,373
-18.80
TOTAL INTEREST EXPENDED
34,806
39,996
47,926
49,825
50,826
46.03
INT. EXPENDED ON DEPOSITS
29,879
35,249
43,837
45,055
44,542
49.07
INT. EXPENDED ON
BORRROWINGS
2,473
2,340
1,517
2,099
3,564
44.12
INTEREST EXPENSES ON
SUBORDINATED DEBT etc.
2,454
2,408
2,470
2,671
2,721
10.88
19,869
23,073
18,409
19,039
20,675
4.06
OTHER INTEREST INCOME
NET INTEREST INCOME
Relationship beyond banking
34
Non-interest Income
Qtr
Dec-10
Treasury:
Qtr
Mar- 11
Qtr
Jun- 11
Qtr
Sep- 11
Qtr
Dec- 11
Variation
Y-o-Y
(%)
592
1,266
1,097
1,544
712
20.27
1,271
1,334
1,471
1,483
1,239
-2.52
1,863
2,600
2,568
3,027
1,951
4.72
COMMISSION / EXCHANGE / BROKERAGE
2,838
3,468
2,737
3,258
3,204
12.90
OTHER NON-INTEREST INCOME
1,124
1,244
984
1,257
1,509
34.25
3,962
4,712
3,721
4,515
4,713
18.96
658
919
312
876
1,858
182.37
6,483
8,231
6,601
8,418
8,522
31.45
PROFIT FROM SALE OF SECURITIES
PROFIT FROM EXCHANGE TRANSACTIONS
Sub Total (A)
Core-banking Operations:
Sub Total (B)
RECOVERY IN WRITTEN OFF ACCOUNTS (C)
TOTAL NON-INTEREST INCOME (A+B+C)
Relationship beyond banking
35
Cost & Yield Ratios –Quarterly Comparison
Qtr Dec 10
Qtr Mar 11
Qtr Jun 11
Qtr Sept 11
Qtr Dec 11
INDIAN FOREIGN GLOBAL INDIAN FOREIGN GLOBAL INDIAN FOREIGN GLOBAL INDIAN FOREIGN GLOBAL INDIAN
FOREIG
GLOBAL
N
Cost of
Deposits
5.61
1.28
4.97
6.08
1.15
5.32
6.87
1.17
6.01
7.07
1.24
6.09
7.06
1.35
5.96
Yield on
Advances
10.3
5
3.05
8.78
10.67
2.82
8.81
10.84
2.80
8.89
11.69
2.92
9.41
11.93
3.35
9.45
Yield on
7.93
Investments
4.67
7.71
8.27
4.68
8.04
7.50
4.67
7.37
7.95
4.68
7.82
7.89
4.72
7.74
Yield on
Funds
8.29
3.30
7.43
8.71
3.21
7.76
8.58
3.16
7.61
9.20
3.22
8.06
9.27
3.49
7.99
Cost of
Funds
5.32
1.89
4.73
5.54
1.95
4.92
6.26
1.97
5.50
6.47
2.04
5.60
6.68
2.17
5.68
N.I.M.
3.49
1.45
3.09
3.38
1.24
2.94
2.43
1.22
2.19
2.77
1.20
2.44
2.91
1.38
2.55
Relationship beyond banking
36
Business Ratios – Quarterly Comparison
Dec-10
Mar-11
Jun-11
Sept.-11
Dec-11
Cost to Income Ratio
47.30
61.50
44.19
43.49
40.68
Non Interest income to
Operating Expenses
52.01
42.76
59.73
70.49
71.74
Asset Utilization Ratio
1.89
1.48
1.60
1.78
1.94
Return on Assets
0.89
0.61
0.59
0.56
0.80
Return on Equity
18.50
13.19
13.13
12.07
16.97
Earnings Per Share
(Basic & Diluted)
12.44
9.37
9.47
8.99
13.10
Book value per share
274.78
283.24
292.90
301.87
314.96
Net worth (Rs. in Mn)
144,511
154,995
160,279
165,191
172,352
Relationship beyond banking
37
Investments
Sr
.
N
o.
1
2
Investment
Dec-10
Sep- 11
Dec-11
YoY
Growth
%
Domestic
672,539
879,865
820,367
21.98
a) SLR
606,244
681,489
661,117
9.05
b) NON- SLR
66,295
198,376
159,250
140.21
International
44,740
39,930
45,170
0.96
Total (1+2)
717,279
919,795
865,537
20.67
Relationship beyond banking
38
Investments - Domestic
Dec-10
AFS
1
SLR
INVESTMENTS
HTM
Dec-11
HFT
TOTAL
AFS
HTM
HFT
TOTAL
140,070
466,124
50
606,244
1,26,859
5,34,055
203
6,61,117
138,965
464,061
50
603,076
1,25,448
5,32,828
203
6,58,479
1,105
2,063
1,411
1,227
-
2,638
10,311
-
1,59,250
5,44,366
203
8,20,367
OF WHICH:
GOVERNMENT
SECURITIES
OTHER
APPROVED
SECURITIES
M Duration - AFS
2
NON SLR
INVESTMENTS
-
3,168
2.04
2.33
57,522
M Duration
2.15
TOTAL
197,592
Relationship beyond banking
8,709
64
66,295
1,48,939
0.78
474,833
114
672,539
39
2,75,798
Capital Adequacy –Basel II
31.12.2010
31.03.2011
30.06.2011
30.09.2011
31.12.2011
Tier I Capital
140,700
170,470
170,550
170,840
171,170
Tier II Capital
78,360
78,670
75,630
76,760
78,980
Total Capital
219,060
249,140
246,180
247,600
250,150
Total Assets
2,991,853
3,511,725
3,459,576
3,514,381
3,645,565
Risk Weighted
Assets
1,764,450
2,047,620
2,126,990
2,069,270
2,236,300
7.97
8.33
8.02
8.26
7.65
CRAR - Tier II
(%)
4.44
3.84
3.55
3.71
3.53
CRAR (%)
12.41
12.17
11.57
11.97
11.18
CRAR - Tier I (%)
Relationship beyond banking
40
Productivity
1500
1400
1300
1200
1100
1000
1,464 1,423
1,156
1,239 1,265 1,258
1,310
1,374 1,406
Dec-09Mar-10 Jun-10 Sep-10 Dec-10Mar-11 Jun-11 Sep-11 Dec-11
100
0
91
101 101 103 108 128 125 123 128
Dec-09
Relationship beyond banking
Jun-10
Dec-10
41
Jun-11
Dec-11
Way Ahead
Relationship beyond banking
42
Relationship beyond banking
43