Performance Highlights Q4 FY15. 2 STATUATORY CENTRAL AUDITORS 1.M/S. ISSAC & SURESH 2.M/S. M.M....
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Transcript of Performance Highlights Q4 FY15. 2 STATUATORY CENTRAL AUDITORS 1.M/S. ISSAC & SURESH 2.M/S. M.M....
Performance HighlightsQ4 FY15
2
STATUATORY CENTRAL AUDITORS
1. M/S . ISSAC & SURESH
2. M/S. M.M. NISSIM & CO.
3. M/S. D.SINGH & CO.
4. M/S. J.K. KAPUR & UBERAI
5. M/S. GROVER LALLA & MEHTA
6. M/S. B. RATTAN & ASSOCIATES
3
INDEX
ITEM SLIDE NO.Results at a glance 4
Business, CASA, Market share, 5 - 7
Domestic Credit:Key Sectors, Retail & Priority Sector 8-12
Restructured Assets 13-15
Asset Quality (NPA) & Sale of Assets to ARCs 16-19
Investments 20
Profit & Loss Parameters 21-24
Key Ratios 25
Capital Adequacy 26
Business per Employee/Branch 27
Multiple Delivery Channels 28-29
Financial Inclusion 30
Shareholding pattern 31
Awards 32
Results at a Glance – March,2015
4
FY15
Parameter Rs. Crore YoYGrowth%
Total Business 943,633 10.60%
Total Deposits 531,907 11.52%
Total Advances 411,726 9.44%
CASA deposits 114,386 8.46%
Priority Sector Advances 94,572 9.76%
MSME Advances 54,406 20.68%
Retail Advances 34,153 15.38%
Ratios for FY15
Parameter (in %)
Gross NPA 5.39%
Net NPA 3.36%
Provision Coverage Ratio 52.40%
Capital Adequacy Ratio (Basel-III) 10.73%
Return on Assets 0.27%
NIM GlobalDomestic
2.11%2.49%
Business Mix(Deposits + Advances)
Mar 14 Jun14 Sept 14 Dec 14
Mar 15 Y-O-Y Growth %
Global Business 853,202 882,441 917,720 940,623 943,633 10.60
Domestic 627,850 643,328 656,923 672,225 687,515 9.50
Foreign 225,352 239,113 260,797 268,398 256,118 13.65
Global Deposits 476,974 500,875 518,432 530,213 531,907 11.52
Domestic 363,590 381,454 388,377 396,122 398,000 9.46
Foreign 113,384 119,421 130,055 134,091 133,907 18.10
Global Advances 376,228 381,566 399,288 410,410 411,726 9.44
Domestic 264,260 261,874 268,546 276,103 289,515 9.56
Foreign 111,968 119,692 130,742 134,307 122,211 9.15
Business Growth
(`.in Crores)
5
FY Mar. 14 FY Mar. 15
105,467
114,386
CASA - Domestic
Savings DepositYoY Growth: 10.62%
Current Deposit YoY Growth: -1.82%
CASA YoY Growth: 8.46%
CASA Profile
6
FY Mar.14 FY Mar.15
87,136
96,389
Saving Deposits
(`. in Crores)
CASA Ratio: 29.48%
FY Mar.14 FY Mar.15
18,331 17,997
Current Deposits
CONSISTENT FOCUS ON CASA
Market Share
7
Q4FY1
3Q1F
Y14
Q2FY1
4Q3F
Y14
Q4FY1
4Q1F
Y15
Q2FY1
5Q3F
Y15
Q4FY1
5
3.83 3.82
3.963.99
4.174.20 4.19
4.224.27
Advances
Q4FY1
3Q1F
Y14
Q2FY1
4Q3F
Y14
Q4FY1
4Q1F
Y15
Q2FY1
5Q3F
Y15
Q4FY1
54.26
4.404.35 4.36
4.47
4.69
4.604.66
4.57
Deposit
Key Sectors – Domestic Credit
Industry Mar 14 Jun 14 Sept. 14 Dec. 14
Mar. 15Y-O-Y
Growth %
% to Domestic Credit
Mar14 Mar.15
Agriculture 36,071 34,801 37,994 39,063 40,495 12.26 13.65 13.99
MSME (Priority & Non- Priority)
45,081 45,282 48,391 51,989 54,406 20.68 17.06 18.79
Retail 29,600 27,824 29,654 31,290 34,153 15.38 11.20 11.80
Corporate & Others 153,508 153,967 152,507 153,761 160,461 4.53 58.09 55.42
Total 264,260 261,874 268,546 276,103 289,515 9.56 100.00 100.00
(` in Crores)
8STRATEGIC SHIFT IN COMPOSITION
Particulars Mar 14 Jun 14 Sept. 14 Dec. 14 Mar. 15
Y-O-Y Growth
%%age to Domestic
CreditMar-14 Mar-15
Home Loan 13,081 13,902 14,913 15,821 16,664 27.39 4.95 5.76
Mortgage Loan 2,971 3,110 3,424 3,709 4,144 39.48 1.12 1.43
Auto Loan 2,351 2,398 2,475 2,657 2,733 16.25 0.89 0.94
Education Loan 2,652 2,712 2,855 2,883 2,918 10.03 1.00 1.01
Personal Loan 927 960 997 1,031 1,085 17.04 0.35 0.37
Others 7,618 4,742 4,990 5,189 6,609 -13.24 2.88 2.28
Total 29,600 27,824 29,654 31,290 34,153 15.38 11.20 11.80
(` in Crores)
Retail Credit
9
Industry Mar 14 Jun 14 Sept. 14 Dec. 14
Mar. 15Y-O-Y
Growth %
% to ANBC
Agriculture* 40,211 38,941 42,134 43,203 43,183 7.39 16.07
MSE 35,504 35,713 37,185 38,181 39,822 12.16
Housing Loan 7,517 7,535 7,731 7,950 8,374 11.40
Educational Loan 2,598 2,655 2,797 2,831 2,872 10.59
Others 331 328 329 332 321 -3.02
Total Priority Sector Advances 86,161 85,172 90,176 92,497 94,572 9.76 35.20
(`. in Crores)
Priority Sectors
10
* Including RIDF
Particulars Mar 14 Jun 14 Sept. 14 Dec. 14
Mar. 15 Y-O-Y
Growth %
% to Domestic Advances
Mar-14 Mar-15
Textiles 9,716 9,414 9,545 9,786 10,007 3.00 3.68 3.46
Chemicals & Chemical products
6,772
7,773
5,803 6,104 6,187 -8.64 2.56 2.14
Rubber, Plastic & their products 2,726 2,620 2,604 2,670 2,716 -0.37 1.03 0.94
Basic metal & metal products 12,953 12,351 13,009 13,220 13,366 3.19 4.90 4.62
Vehicles, vehicle parts & Transport equipment
2,021 2,156 2,083 2,182 2,575 27.41 0.76 0.89
Gems & Jewellery 5,665 5,886 6,532 6,544 6,348 12.06 2.14 2.19
Construction 1,822 1,742 2,023 2,150 1,547 -15.09 0.69 0.53Infrastructure 42,358 43,539 44,136 46,269 49,016 15.72 16.03 16.93Other Industries 29,001 29,682 28,775 29,815 32,302 11.38 10.97 11.16
Total 113,034 115,163 114,511 118,740 124,064 9.76 42.77 42.85
(`. in Crores)
Key Sectors - Domestic Credit- Industry
11
Particulars Mar 14 Jun 14 Sept. 14
Dec. 14 Mar 15
Power 26,847 28,172 29,072 30,836 33,386
- SEBs 11,355 11,878 12,797 13,635 15,071
- Others 15,541 16,294 16,275 17,201 18,315
Roads and ports 9,686 10,409 10,158 10,514 10,751
Telecom 1,196 1,215 1,111 1,050 927
Other Infrastructure 4,629 3,743 3,795 3,869 3,952
Total 42,358 43,539 44,136 46,269 49,016
(`. in Crores)
Advances to Infrastructure Sectors
12SEB EXPOSURE BACKED UP GOVT. GUARANTEE
Period Amount Restructured
FY 10-11 2,375
FY 11-12 6,014
FY 12-13 8,469
FY 13-14 5,761
FY 2014-15(Q4 : Rs.2,743 crore) 6,735
TOTAL RESTRUCTURED PORTFOLIO(DOMESTIC) 28,235
Of Which a) Standard 20,180
b) NPA 8,055
(`. in Crores)
Restructured Assets (Domestic)
13
Out of Total Domestic Restructured Portfolio (as per RBI Guidelines): Rs.15,598 crore
Standard Restructured Advances Mar 14 Jun 14 Sept. 14 Dec.14 Mar 15
CDR Restructuring 6427 5816 5,695 5,747 4,992
Domestic 6,288 5,677 5,553 5,473 4,693
Foreign 139 139 142 274 299
Other Restructuring 14,328 15,180 16,259 16,089 16,826
Domestic 12,582 13,923 14,442 14,777 15,487
Foreign 1746 1,257 1,817 1,312 1,339
Total 20,755 20,997 21,954 21,836 21,828
Domestic 18,870 19,600 19,995 20,250 20,180
Foreign 1,885 1,397 1,959 1,586 1,638
(`. in Crores)
Standard Restructured Advances
14
(`. in Crores)
Sector wise breakup of Standard Restructured Advances(Domestic)
15
SNO Sector March 2014 March 2015
1 INFRA 7,320 8,829 INFRA-POWER 4,500 5,750 INFRA-TELECOM 960 430 INFRA-RAODS & PORTS 1,411 1,636 INFRA-OTHERS 448 1,0132 AVIATION 2,164 2,3643 ENGG 622 1,1754 STEEL 906 9225 MISC 979 7836 TEXTILES 957 8737 PHARMA 219 5558 SUGAR 706 5939 SERVICE-TRANSPORT RELATED 329 335
10 FOOD PROCESSING 302 26011 CEMENT 107 21812 SERVICES 161 27013 SERVICES-TRADE 127 21314 OTHER METAL 152 17415 EDUCATION 258 24216 AUTOMOBILES 370 16317 HOTELS 867 16518 RUBBER & PLASTIC 166 10819 PAPER 128 16320 AGRICULTURE 219 12221 CHEMICALS 187 11722 CERAMICS 218 4823 CRE 343 4024 LEATHER 26 1525 GEMS & JEWELLARY 54 926 CPMPUTER/IT RELATED 54 927 BELOW 1 CR 931 1,414
TOTAL 18,870 20,180
Sale of Assets to ARCs
16
(`. in Crores)
FY 13-14 FY 14-15
FY14 Q1 Q2 Q3 Q4 FY15
Net Outstanding of Accounts sold 4,743 1,764 132 112 936 2,844
Of which,
Prudential written off (PWO) Accounts sold 2,304 75 89 - 77 241
Existing Gross NPAs sold 1,375 580 43 12 859 1,575
Fresh Slippages / SMA-2 1,064 889 - - - 1,028
Mar-14 June-14 Sept.-14 Dec.-
14 Mar-15
Gross NPA 11,868 12,532 14,127 16,694 22,193
Net NPA 7,417 8,042 9,101 10,061 13,518
Gross NPA % 3.15 3.28 3.54 4.07 5.39
Net NPA % 2.00 2.14 2.32 2.50 3.36
Provision Coverage Ratio % 58.68 58.10 56.32 56.62 52.40
Asset Quality
17
(`. in Crores)
(`. in Crores)
Movement of NPA
18
FY Mar 2013 FY Mar 2014 FY Mar 2015
Indian Foreign Total Indian Foreign Total Indian Foreign Total
Opening Balance 5,170 724 5,894 7,152 1,613 8,765 10,274 1,594 11,869
Less :
1,197 48 1,245 3,043 23 3,066 2,281 407 2,688Cash Recovery
Upgradation 721 38 759 776 162 938 2,172 209 2,381 Write Off 2,413 2 2,415 1,142 624 1,766 801 0 801
Total reduction4,332 88 4,420 4,962 809 5,770 5,254 616 5,870
Less URI 77 11 88 -49 -14 -63 457 0 457
Add : Slippages 6,391 988 7,379 8,035 776 8,811 15,682 969 16,651
Closing Balance7,152 1,613 8,765 10,274 1,594 11,869 20,245 1,948 22,193
Sector Mar 14 Jun-14 Sept. 14 Dec. 14 Mar. 15% to Sectoral
Advances
Mar 14 Mar 15
Agriculture 663 696 911 1,020 1,315 1.84 2.95
Industry 7,094 7,571 8,449 9,847 14,051 6.28 7.26
Services 2,318 2,687 2,911 3,447 4,196 2.71 3.03Retail 199 206 326 365 683 0.67 1.09
Total 10,274 11,160 12,597 14,679 20,245 3.89 4.54
(`. in Crores)
Sector wise NPA
19
Domestic
Sector Mar 14 Jun-14 Sept. 14 Dec.14 Mar.15% to sectoral
Advances
Mar 14 Mar 15
Trade 313 319 464 411 480 3.82 1.85
Manufacturing 434 282 362 505 474 4.14 5.71
Real Estate 227 236 232 210 211 15.73 12.06
Others 620 535 472 889 783 0.67 0.91
Total 1,594 1,372 1,530 2,015 1,948 1.42 1.59
Overseas (`. in Crores)
Mar 14 Mar. 15
AFS HTM HFT Total AFS HTM HFT Total
1. SLR Investments 15,470 81,139 20 96,629 10,958 90,958 - 101,917
Of Which:
Government Securities 15,470 80,983 20 96,473 10,598 90,802 - 101,760
Other Approved Securities - 156 - 156 - 156 - 156
M Duration 3.51 4.93 6.22 4.69 3.99 4.78 - 4.70
2. Non SLR Investments 11,744 1,217 - 12,961 12,670 1,491 - 14,162
M Duration 3.16 4.62 - 3.20 4.33 0.32 - 4.23
Total 27,214 82,356 20 109,590 23,629 92,450 - 116,078
(`. in Crores)
Investments (Domestic)
20
Quarter ended Year ended
Particulars Mar 14 Mar 15 Y-O-Y% Variation Mar 14 Mar 15 Y-O-Y%
Variation
Interest Income 10,360 11,138 7.51 37,910 43,430 14.56
a. From Advances 7,281 8,035 10.36 27,119 31,678 16.81
b. From Investments 2,185 2,375 8.70 8,405 9,400 11.84
c. Other Interest Income 894 728 -18.57 2,386 2,352 -1.42
Interest Expended 7,313 8,291 13.37 27,079 32,086 18.49
a. On Deposits 6,320 7,517 18.94 23,775 28,921 21.64
b. On Borrowings 775 508 -34.45 2,534 2,226 -12.15
c. Subordinated Bonds & others 218 266 22.02 770 939 21.95
Net Interest Income 3,047 2,847 -6.56 10,831 11,344 4.74
(`. in Crores)
Net Interest Income
21
Non Interest Income
22
Quarter ended Year ended
Particulars Mar 14 Mar 15 Y-O-Y% Variation Mar 14 Mar 15 Y-O-Y%
Variation
Commission, Exchange & Brokerage 408 408 0.23 1,426 1,610 12.90
Profit from Sale of Investments 83 215 159.04 796 931 16.96
Profit from Exchange Transactions 83 174 109.64 711 686 -3.52
Recovery In W/o accounts 168 121 -27.98 760 363 -52.24
Other Non Interest Income 172 204 18.60 599 642 7.35
Total Non Interest Income 914 1,122 22.76 4,292 4,233 -1.37
(`. in Crores)
Profitability
23
Quarter ended Year ended
Particulars Mar 14 Mar 15 Y-O-Y% Variation Mar 14 Mar 15 Y-O-Y%
Variation
1. Total Income 11,274 12,260 8.75 42,202 47,663 12.94
a. Interest Income 10,360 11,138 7.51 37,910 43,430 14.56
b. Non Interest Income 914 1,122 22.76 4,292 4,233 -1.37
2. Total Expenditure 9,278 10,833 16.76 33,779 40,175 18.93
a. Interest expended 7,313 8,291 13.37 27,079 32,086 18.49
b. Operating Expenses 1,965 2,542 29.36 6,700 8,089 20.73
3. Operating Profit 1,996 1,427 -28.51 8,423 7,488 -11.10
4. Net Profit 558 -56 -110.04 2,729 1,709 -37.38
(`. in Crores)
Provisions
24
Quarter ended Year ended
Particulars Mar 14 Mar 15 Y-O-Y% Variation Mar 14 Mar 15 Y-O-Y%
Variation
Operating Profit 1,996 1,427 -28.51 8,423 7,488 -11.10
Provisions
Provisions for Taxation -109 -773 609.17 816 86 -89.46
Prov. For B&D 1,135 2,240 97.36 3,970 5227 31.66
Prov. For Standard Assets 63 94 49.21 423 409 -3.31
Prov. For Depreciation on Investment 163 0 -100.00 73 -50 -168.49
NPV Provisions/ Other Provisions 187 -78 -141.71 412 107 -74.03
Total Provisions 1,439 1,483 3.06 5,694 5,779 1.49
Net Profit 558 -56 -110.04 2,729 1,709 -37.38
(`. in Crores)
Mar. 14 Mar. 15
Particulars Indian Foreign Global Indian Foreign Global
Cost of Deposits 7.13 0.97 5.62 7.26 0.83 5.70
Cost of Funds 6.43 1.66 5.14 6.72 1.45 5.27
Yield on Advances 11.24 2.59 8.45 11.06 2.65 8.36
Yield on Investments 8.34 3.98 8.12 8.29 3.56 8.08
Yield on Funds 8.86 2.70 7.19 8.85 2.61 7.13
Interest Spread 2.43 1.04 2.05 2.13 1.16 1.86
NIM 2.85 1.12 2.34 2.49 1.24 2.11
Cost to Income Ratio 47.04 25.52 44.30 58.13 18.85 51.93
Return on Assets (ROA) 0.53 0.47 0.51 0.12 0.69 0.27
Return on Equity 11.73 6.70
Book Value Per Share (Rs.) 381.69 398.02
Earning Per Share (Rs.) 44.74 26.57
NKey Financial Ratios FY15
25
Particulars Mar 14 Jun 14 Sept. 14 Dec.14 Mar 15
Capital Adequacy - Basel III
CET1 Capital 23,771 23,902 24,023 24,103 26,091
AT1 Capital 1,389 1,435 3,948 3,914 3,618
Tier I Capital 25,160 25,337 27,971 28,017 29,709
Tier II Capital 9,499 9,567 10,507 10,501 9,289
Total Capital 34,659 34,904 38,478 38,518 38,998
Total Assets 573,190 597,504 606,210 614,961 618,698
Risk Weighted Assets 347,702 349,682 350,743 360,705 363,523
CRAR – CET1 (%) 6.84 6.84 6.85 6.68 7.18
CRAR – AT1 (%) 0.40 0.41 1.13 1.09 1.00
CRAR – Tier I (%) 7.23 7.25 7.97 7.77 8.17
CRAR - Tier II (%) 2.74 2.73 3.00 2.91 2.56
Capital Adequacy Basel III (%) 9.97 9.98 10.97 10.68 10.73
Capital Adequacy – Basel-III
26
(`. in Crores)
Q4FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15
182.5
187.59189.73
193.38 191.91
Business Per branch (`. in Crores)
Productivity
27
Q4FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15
19.63 19.7519.97
20.4020.69
Business Per employee
Q4FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15
1,766 1,771 1,846 1,865 1,891
1,258 1,273 1,302 1,305 1,317
789 792 811 814 821 833 839 849 851 863
4,646 4,675 4,808 4,835 4,892
Semi-urban Urban Metro Column2
Q4FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15
16,924 17,640
22,124 24,016
27,379
Multiple Delivery Channels
Branch Expansion
Debit Card (‘000)
ATM Roll-Out
Q4FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15
4,225 5,032
5,747 6,169
6,771
28
Multiple Delivery Channels (cont’d)
Internet Retail (‘000)
Mobile Banking Users
Internet Corporate
29FY Mar-14 Upto Sep-14 Upto Dec-14 FY Mar-15
55
195
310
412 e-Galleries
Q4FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15
2,397 2,503 2,706 2,832
2,985
Q4FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15
52,353 54,333
56,385 58,315
60,471
Q4FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15
158,922
162,536 162,579
165,387 165,547
FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15
2328
33
43
53
Financial Inclusion
30
FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15
1,213
1,889 2,613
3,419
4,345 BC Channel Transactions
FY14 Q1FY15 Q2FY15 Q3FY15 FY15
1766 17711846 1865 1885
Rural Branches
FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15
14,060 14,665
16,334
22,579 22,824
Unbanked Villages Covered
FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15
57,676 61,900
67,905 72,987
82,916
FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15
5162 5400 5683
65247060
FLCs – No. Of outdoor activities undertakenRSETI – No. of Candidates Trained No. of A/cs through BC Channel(in lacs)
(Amt in cr.)
Central Govt./State Govt.
64.43%
Mutual Funds/UTI0.95%
Financial Institu-tions/Banks0.30%
Insurance Companies
17.15%
FII & Other Foreign Holding8.74%
Bodies Corporate2.03%
Individuals6.40%
31st March, 2015
Shareholding Pattern
31
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 received the Award CIO100 2014 for the product Startoken NG.
Bank received IBA Award for “Best Financial Inclusion Technology Initiative” from IDRBT.
Awards & Recognition
32
Bank received Skoch Group Financial Inclusion Deepening Award
Bank received “PMJDY Excellence Award” from Honorable Union Minister
Bank received “Best MSME Bank” and “Best Bank for Operational Performance” awards.
Bank received “Outlook Money Award” for “Best Home Loan Provider” under Runner up category.
Bank won IT excellence award by ETNOW and VMWare for effectively implementing Virtualization in the Bank.
Bank received “Best HR Technology award, 2014” from Banking Frontiers at Mumbai.
THANK YOU!
33