Investor Presentation 30.06.2017 About Us Banking tradition of 101 - - PowerPoint PPT Presentation

Investor Presentation 30.06.2017

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About Us

Banking tradition of 101 years  Consistently earning profits since inception  Uninterrupted dividend payment record  100% and above dividend for 14 consecutive years from 2004 (120% or higher for eleven years)  First bank to get permission from RBI to issue bonus shares  719 branches and 1750 ATMs as on 30th June 2017  6 million+ Customer Base  100% CBS since 2005  Full bouquet of e-banking & technology products  Top Rating from CRISIL (A1+) and ICRA (A1+) for Short Term Borrowings

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Q1FY18 Results Snapshot

Operating Profit

• Rs. 449 crore

(↑ 30%)

Net Profit

Rs.148 crore

(↑ 1.1%)

ROA

0.95%

NIM 3.76% (↑ 24 bps)

Net NPA

2.85 %

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Q1FY 18 Results Snapshot

NII

• Rs. 538 crore

(Rs. 481 crore)

CRAR 11.71% Deposits

• Rs. 54,668 crore

(↑7.8 %)

Advances

• Rs. 42,401 crore

(↑ 7.7 %)

CASA

• Rs. 15,945 crore

(↑ 29.4 %) CASA Share 29.2%

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Profit & Loss Account (Q1 FY)

Units: Rs crore

Particulars Q1FY 2017-18 Q1FY 2016-17 YoY Growth Net Interest Income 539 481 12% Other Income 236 162 46% Total Income 775 643 20% Operating Expenses 326 297 9% Operating Profit 449 346 30% Provisions 233 130 79% Credit Related 229 138 66% Others 4

• 8

Profit Before Tax 216 216

• Tax

68 70 Net Profit 148 146 1%

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Particulars Total Forex Commissions Other Q1 FY 17-18 236 11 161 17 Q1 FY 16-17 YoY % 45.63% 10.00% 29.84% 38.46%

Units: Rs crore

Profit on Sale

• f Investments

47 213.33%

Breakup of Other Income (Quarter)

Fee Income 189 28.57% 162 10 124 13 15 147

• Diverse sources of non – interest income
• Non – interest income contributed 14.57% to total income

for 3 months of FY 2017-18 KVB’s Fee income streams :

• Banking charges (Corporate, Commercial & Retail)
• Bancassurance
• Third party product sales
• Trade Finance
• Retail Asset fees
• Card fees

―Credit Card ― Debit Card ― Travel Card ― Gift Card

Healthy Other Income Profile

Growth in other income Fee income consistently contributes ~ 68% of other income

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1.8 2.3 2.8 3.4 4 4.6 4.8 1.61 0.4 0.3 0.9 1 0.7 0.9 2.1 0.5 0.1 0.4 0.2 0.4 0.4 0.5 0.4 0.1 0.3 0.6 0.6 0.9 0.7 1 0.6 0.2 3 6 9 FY11 FY12 FY13 FY14 FY15 FY16 FY17 Jun-17 Fee Income (Rs. bn) Treasury (Rs. bn) Forex Gain (Rs. bn) Others (Rs. bn) 69% 64% 62% 60% 69% 66% 61% 68% 15% 8% 20% 18% 12% 13% 26% 20% 4% 11% 4% 7% 7% 7% 5% 5% 12% 17% 13% 16% 12% 14% 7% 7% 0% 25% 50% 75% 100% FY11 FY12 FY13 FY14 FY15 FY16 FY17 Jun-17 Fee Income % Treasury % Forex Gain % Others %

12.34% 10.34% 9.47% 17.28% 11.71% 5% 10% 15% 20% Jun-16 Sep-16 Dec-16 Mar-17 Jun-17

Return on Equity

1.00% 0.86% 0.74% 1.39% 0.95% 0.70% 1.00% 1.30% 1.60% Jun-16 Sep-16 Dec-16 Mar-17 Jun-17

Return on Assets

3.52% 3.61% 3.68% 4.04% 3.76% 3.00% 3.50% 4.00% 4.50% Jun-16 Sep-16 Dec-16 Mar-17 Jun-17

Net Interest Margin

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46.19% 46.31% 51.29% 37.55% 42.00% 25% 30% 35% 40% 45% 50% 55% Jun-16 Sep-16 Dec-16 Mar-17 Jun-17

Cost to Income %

Key Ratios (Q1 2017-18)

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Key Ratios (Comparative)

3.08 3.03 2.64 2.91 3.43 3.70 3.76

2.00 2.50 3.00 3.50 4.00 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Jun-17

Net Interest Margin

Net Interest Margin

1.56 1.35 0.86 0.88 1.03 1.00 0.95

1 2 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Jun-17

Return on Assets

Return on Assets

42.73 47.31 54.67 53.91 47.63 44.99 42.00 20 30 40 50 60 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Jun-17

Cost to income (%)

Cost to income (%)

18.53 17.84 12.92 10.93 12.41 12.03 11.71 10 20 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Jun-17

Return on Equity

Return on Equity

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Particulars

Key Ratios (Quarter)

Q1 FY 17-18 Q1 FY 16-17

Yield on Advances Yield on Funds NIM Business/Emp. (Rs crore) Profit/Emp. (Rs lakh) Cost of Funds

• No. of Employees

10.58% 9.22% 3.76% 12.61 7.69 6.06% 7694 11.36% 9.86% 3.52% 12.47 8.11 6.93% 7220 Cost of Deposits 6.15% 6.97% Spread 3.16% 2.93% Cost Income Ratio 42.00% 46.19%

Profitability Metrics (Quarterly)

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4.24% 4.31% 4.25% 4.25% 4.39% 4.61% 4.86% 5.08% 4.43% 3.30% 3.39% 3.47% 3.55% 3.52% 3.61% 3.68% 4.04% 3.76% 2.57% 2.65% 2.76% 2.99% 2.90% 3.01% 3.17% 3.49% 3.16% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 4.00% 4.50% 5.00% 5.50% Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17

Spread (Deposits and Advances) Net Interest Margin Spread on Funds

Profitability Metrics (Comparative)

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3.32 3.24 3.04 2.17 2.02 2.42 2.74 2.33 2.41 2.09 2.27 2.71 3.10 3.16 3.62 3.48 3.45 3.06 2.95 3.23 3.39 3.08 3.03 2.64 2.91 3.43 3.70 3.76 4.08 3.99 4.05 4.11 4.11 4.30 4.55 4.60 4.47 4.04 4.18 4.26 4.74 4.43

0.00 2.00 4.00 6.00 8.00 10.00 12.00 Mar-05 Mar-06 Mar-07 Mar-08 Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Jun-17 Spread on Funds Net Interest Margin Spread (Deposit & Advances)

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Particulars Total Deposits Term Deposits 5466 54,668 38,723 50,715 38,397 YoY % 7.79% 0.85%

Units: Rs crore

CASA Mix % 29.17% 24.29%

Deposits

Demand 5,871 4,249 38.17% Savings 10,074 8,069 24.85% CASA 15,945 12,318 29.44% FY 17 -18 FY 16-17

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Retail Liability Franchise – Granular and Sticky

Low dependence on wholesale deposits (FY 2017-18)

Term deposits are primarily retail deposits. Only 9% of term deposits are > Rs.50 Mn

Low concentration of deposits Breakup of deposits (FY18)

< Rs. 1.5 Mn, 62%

• Rs. 1.5 Mn - Rs.

10 Mn., 24%

• Rs. 10 Mn - Rs.

50 Mn, 6% > Rs. 50 Mn, 9% 11% 13% 12% 13% 12% 9% 9% 7% 6% FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY 17 Jun-17 Concentration of top 20 depositors % Term Deposits, 71% Savings Deposits, 18% Demand Deposits, 11%

Consistent growth in Savings Deposits since FY10 Growth in demand deposits since 2010 Break-up of deposit base (in %)

Deposit Mix

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13% 13% 11% 11% 13% 14% 15% 19% 18% 11% 10% 8% 8% 8% 14% 8% 9% 11% 76% 77% 81% 81% 79% 78% 77% 72% 71% 0% 20% 40% 60% 80% 100% FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 Jun-17 Savings Deposits Demand Deposits Time Deposits 21 25 25 31 36 35 40 49 59 10 20 30 40 50 60 70 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 Jun-17 Demand Deposits Balance (Rs. bn) 25 33 38 44 54 63 76 100 101 20 40 60 80 100 120 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 Jun-17 Savings Deposits Balance (Rs. bn)

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Particulars

YoY %

Units: Rs crore

Advances

Jewel Loan

(included in other segments)

6,431 6,363 Advances 42,401 39,381

7.67%

Corporate 13,763 13,202

4.25%

Commercial 14,411 12,905

11.67%

Agriculture 7,635 7,265

5.09% 1.07%

Retail (Personal Banking) 6,592 6,009

9.70%

FY 17-18 FY 16-17

• Average ticket size of Rs 4.67 Mn
• 78% of commercial loans are less than
• Rs. 50 Mn
• Average ticket size of Rs. 349.43 Mn
• 68% of corporate exposure less than
• Rs. 1 Bn

Commercial book break-up* Corporate book break-up*

• Commercial Loans : Exposures upto Rs. 250 Mn
• Corporate Loans : Exposures above Rs. 250 Mn

Loan book break up in FY17-18

Granular Loan Portfolio

18 Rs.282 Bn

Agriculture, 18% Commercial, 34% Corporate, 32% Retail, 16% < 50 mn, 79% >= 50 mn < 100 mn, 11% >= 100 mn < 250 mn, 9% > 250 mn, 1% < Rs. 250 mn, 17% Rs.250mn

• 500 mn,

28%

• Rs. 500

mn - 1000 mn, 23% > Rs. 1000 mn, 32%

Sub-sectoral exposures well spread out; diversified industrial exposures (FY17-18)

• Rs. 424 Bn

Breakup of industry exposure (Rs. 128 Bn) Working capital focus enables quicker repricing of loans Low concentration: Top 20 borrowers (% of overall loans)

Breakup of Advances

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26% 20% 17% 12% 12% 11% 10% 10% 0% 5% 10% 15% 20% 25% 30% FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 68% 83% 79% 79% 80% 32% 17% 21% 21% 20% 0% 20% 40% 60% 80% 100% FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 Jun-17 Working Capital Loans Term Loans MANUFACTURI NG SECTOR 30% JEWEL LOAN 15% Personal Segment Loans 13% TRADING 16% BILLS 4% NBFC 3% OTHER EXPOSURES* 19% INFRASTRUCTURE 15% POWER 6% TEXTILES 30% IRON & STEEL 10% FOOD PROCESSING 4% CHEMICALS AND CHEMICALS PRODUCTS 4% ALL ENGINEERING 5% CEMENT 3% TRANSPORT EQUIPMENTS 3% GEMS & JEWELLERY 4% OTHERS 16%

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Advances – Category wise

@ Vehicle, Housing, Deposit loans * includes Commercial Real estate, Capital Market and exposure to other service sectors, etc.

Particulars Amount (Rs. in crore) % to Total Advance Growth Over Jun-16 Jun-17 Jun-16 Mar-17 Jun-17 Jun-16 Mar-17 Quant um % MANUFACTURING SECTOR 12,827 12,286 12,688

30.25

31.20 30.62 541 4.00% JEWEL LOAN 6,431 6,363 6,159

15.17

16.16 14.86 68 1.00% PERSONAL LOANS @ 5,560 5,353 4,847

13.11

13.59 11.70 207 2.00% TRADING 6,939 5,664 6,889

16.37

14.38 16.63 1,275 10.00% BILLS 1,595 1,364 1,592

3.76

3.46 3.84 231 2.00% NBFC 1,093 1,201 1,159

2.58

3.05 2.80

• 108 -1.00%

OTHER EXPOSURES** 7,956 7,150 8,101

18.76

18.16 19.55 806 7.00% TOTAL ADVANCES 42,401 39,381 41,435 100.00 100.00 100.00 3,020 25.00%

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Manufacturing Sector - Breakup

INDUSTRY Amount (Rs. in crore) % to Total Advance Growth Over Jun 16 Jun-17 Jun-16 Mar-17 Jun-17 Jun-16 Mar-17 Quantum % INFRASTRUCTURE 2,779 3,141 2,964 6.55 7.98 7.15

• 362 -11.52%

TEXTILES 3,820 3,535 3,769 9.01 8.98 9.1 285 8.06% BASIC METAL & METAL PRODUCTS 1,294 1,284 1,194 3.05 3.26 2.88 10 0.78% FOOD PROCESSING 551 492 536 3.51 3.06 1.29 59 11.99% CHEMICALS & CHEMICALS PRODUCTS 488 545 522 1.15 1.38 1.26

• 57 -10.46%

ALL ENGINEERING 558 440 513 1.32 1.12 1.24 118 26.82% GEMS & JEWELLERY 499 353 445 1.18 0.9 1.07 146 41.36% TRANSPORTATION SECTOR 407 388 397 0.96 0.99 0.96 19 4.90% RUBBER & PLASTIC PRODUCTS 357 165 355 0.84 0.42 0.86 192 116.36% MINING & QUARRYING 315 316 304 0.74 0.8 0.73

• 1
• 0.32%

WOOD & WOOD PRODUCTS 273 266 268 0.64 0.68 0.65 7 2.63% CONSTRUCTION 390 401 371 0.92 1.02 0.9

• 11
• 2.74%

PAPER & PAPER PRODUCTS 206 221 195 0.49 0.56 0.47

• 15
• 6.79%

CEMENT & CEMENT PRODUCTS 388 355 385 0.92 0.9 0.93 33 9.30% BEVERAGES & TOBACCO 122 119 112 0.29 0.3 0.27 3 2.52% PETROLEUM 18 15 34 0.04 0.04 0.08 3 20.00% GLASS & GLASSWARE 42 33 40 0.1 0.08 0.1 9 27.27% LEATHER & LEATHER PRODUCTS 37 30 37 0.09 0.08 0.09 7 23.33% OTHER INDUSTRIES 283 187 247 0.67 0.47 0.6 96 51.34% TOTAL 12,827 12,286 12,688 30.25 33.02 30.63 541 4.40%

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Retail Advances

Segment Amount (Rs. in crore)

Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Jun-17

Housing Loan 436 611 971 1,387 1,757 2,094 2,330 2,425 Mortgage Loan (LAP)

• 381

568 787 965 1,045 Vehicle Loan 387 492 677 735 782 831 921 962 Jewel Loan 481 584 832 802 793 703 596 601 Personal Loan 257 319 341 353 356 354 316 309 Educational Loan 78 104 133 169 207 245 266 265 Retail (Others) 413 428 591 464 779 904 946 985 Total 2,052 2,538 3,545 4,291 5,242 5,918 6,340 6,592

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Advances Mix

Advances in Value (Rs.in crore) Advances Mix (in %) ABG- Agri Banking , CBG – Commercial Banking, CIG – Corporate Banking, PBG – Personal Banking Increased focus on Commercial, SME & Retail Advances over the period

2000 4000 6000 8000 10000 12000 14000 16000 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Jun-17 ABG CBG CIG PBG 16% 18% 18% 17% 18% 16% 18% 31% 32% 33% 32% 33% 33% 34% 43% 38% 37% 37% 34% 35% 32% 10% 12% 13% 14% 15% 15% 16% 0% 10% 20% 30% 40% 50% Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Jun-17 ABG CBG CIG PBG

Investment Portfolio

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Investments Outstanding (Rs. In crore) Portfolio wise Investment Investment Portfolio Modified Duration

HTM AFS HFT Total 4.47 2.20 8.19 3.86

Yield on Investment

14621 14955 15293 14200 14400 14600 14800 15000 15200 15400 Jun' 16 Mar' 17 Jun' 17 HTM, 69.24% AFS, 30.69% HFT, 0.07% 83.78% 0.97% 15.25% SLR Shares Debentures/CD/MF/CP

• ut of 15.25% Security Receipts constitutes 3.29% (Rs.502.67

Crores)

7.36% 7.22% 7.07% 1.00% 6.00% Jun' 16 Mar' 17 Jun' 17

Yield on Investments

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Stress Accounts

• Rs. in Crore

SDR Outstanding (2 accounts)

93.05

5/25 (1 account )

75.65

S4A Accounts (3 Account)

208.40

Sale to ARC in Q1 of FY 17-18

Nil

Sector Wise Restructured Advances

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S.NO SECTOR AMOUNT (%) to total Rest. Adv (Rs. in crore) Jun-17 Jun-16 Jun-17 Jun-16 1 AGRICULTURE 7.68 15.30 0.95 1.19 2 INFRASTRUCTURE 388.09 724.61 48.04 56.59 3 TEXTILES 107.71 192.74 13.33 15.05 4 AUTO LOANS 32.42 0.07 4.01 0.01 5 EDUCATIONAL LOANS 0.14 0.77 0.02 0.06 6 FOOD PROCESSING 244.37 225.60 30.25 17.62 7 OTHERS 27.44 121.42 3.40 9.48 TOTAL 807.85 1280.51 100 100 % to Total Advance 1.91% 3.25%

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Movement of Restructured Assets

Units: Rs crore

Particulars Apr-17 to Jun-17 Apr-16 to Mar-17 No.

• f

A/cs Amount (Rs. in crore) No.

• f

A/cs Amount (Rs. in crore) Restructured accounts at the beginning of the period - [A] 33 841.81 117 1354.90 Fresh Restructuring - [B] 5 0.12 2 1.75 Addition of facilities in existing restructured A/Cs - [C] 15.42 107.20 Addition through upgradation from NPA – [D] 1 0.02 Accounts closed during the period - [E] 1 11.00 34 380.53

Accounts ceasing to attract higher provision (upgradation)– [F]

28 78.35 Recoveries – [G] 82.40 Slippages (into NPA )- [H] 1 38.50 25 80.78 Restructured accounts as on 30.06.2017 A+B+C+D-(E+F+G+H) 36 807.85 33 841.81

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Units: Rs crore

NPA Position

Provision Coverage Ratio 78.49% 68.26 % 67.06 % 57.83% 57.01%

702 903 1,022 1,484 1,807

306

565 638 1,033 1,189

Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Gross NPA Net NPA

1.79 2.29 2.66 3.58 4.27 0.79 1.44 1.68 2.53 2.85 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Net NPA % Gross NPA %

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Movement of NPA

(Rs. in crore)

Particulars Apr 17 - Jun 17 Apr 16 - Jun 16 Apr 16 - Mar 17 Movement of Gross NPAs Opening Balance 1,483.81 511.18 511.18 Additions during the period 389.24 238.86 1,330.83 Reductions during the period 66.04 47.69 358.20 Closing Balance 1,807.01 702.35 1,483.81 Movement of Net NPAs Opening Balance 1,033.46 216.17 216.17 Additions during the period 211.90 137.69 940.83 Reductions during the period 56.20 47.69 123.54 Closing Balance 1,189.16 306.17 1,033.46 Movement of Provision for NPA Opening Balance 428.74 285.00 285.00 Provn made during the period 156.96 93.77 484.17 Write off/Write back of excess provn 0.00 0.00 340.43 Closing Balance 585.70 378.77 428.74

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Q1 FY 17-18 Q1 FY 16-17

Units: Rs crore

Breakup of Provisions (Other than Tax)

Particulars Total Provisions Standard Assets

Restructured (including SDR& S4A)

Investment 233 1 8

• Others (including ARC sale

loss 2015-16 amortisation)

67 NPA 157 130 (-) 4 (-) 5 (-) 7 52 94

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Branch and ATM / Cash Recyclers Network

375 488 825 1276 1759 629 2008 2191 2207

335 369 451 551 572 629 667 711 719

300 600 900 1200 500 1000 1500 2000 2500 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 Jun-17 ATM + Cash Recyclers Branches

Number of customers (Millions) Geographical spread of branches (FY 2017-18) Dominant presence (58%) in semi-urban and rural locations State /UT Jun-17 - Branches (Nos) TAMILNADU 383 ANDHRA PRADESH 105 TELANGANA 52 KARNATAKA 49 MAHARASHTRA 27 GUJARAT 15 WEST BENGAL 16 KERALA 17 DELHI 14 PUNJAB 7 UTTARPRADESH 6 ORISSA 5 HARYANA 4 PONDICHERY 6 M.P. 4 RAJASTHAN 3 JHARKHAND 2 CHANDIGARH 1 CHATTISGARH 1 UTARAKHAND 1 GOA 1 Total 719

Region, Number of branches 18 Divisional Offices spread across the country

Branch Network - Diversified Across the Country

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South 613 North 40 East 24 West 42 Metro, 27% Urban, 21% Semi-urban, 37% Rural, 15% Branch Distribution in Q1 FY18 (719 branches) 2.6 2.9 3.3 3.8 4.5 5.2 5.6 6.29 6.43 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 Jun-17

Exponential growth in Mobile transactions

Leveraging Technology – Alternate Banking Channels

Rising volume of RTGS transactions POS Terminals 33 Bunch Note Recycler Machines

6 15 40 168 722 250 500 750 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17

Mobile Banking (Nos in '000)

Mobile Banking (Nos in '000)

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3399 5844 8434 9234 10157 10428 10797 13937 22068 23929 5000 10000 15000 20000 25000 30000 POS Terminals 143 154 205 307 338 341 352 352 353 354 389 403 444 457 100 200 300 400 500 Mar-14 Jun-14 Sep-14 Dec-14 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 0.79% 0.84% 0.91% 0.94% 0.99% 1.14% 1.18% 0.70% 0.90% 1.10% 1.30% 1.50% 1.70% 1.90% FY12 FY13 FY14 FY15 FY16 FY17 Jun-17 Share of RTGS transactions (by volume)

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Capital Adequacy Ratio (FY 12 to FY 14 Basel II and FY 15 onwards Basel III)

Capital Adequacy

13.12% 13.10% 11.62% 13.56% 11.26% 11.85% 11.04% 1.21% 1.31% 1.15% 1.05% 0.91% 0.69% 0.67% 14.33% 14.41% 12.77% 14.61% 12.17% 12.54% 11.71%

0% 2% 4% 6% 8% 10% 12% 14% 16%

Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Jun-17

Tier 1 Tier 2

Young workforce ( average 33 years)….. … and well qualified work force… …with lower attrition … …leading to improving productivity

40% below 30 yrs of age out of 7,694 employees

Human Resources

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34 34 32 32 32 33 33 33 33 30 31 32 33 34 35

FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 Jun-17

PG 51% Graduate 37% Others 12% 2.9% 4.4% 5.4% 8.4% 6.2% 4.5% 2.7% 2.2% 1.2% 78 93 99 101 106 112 124 129 126 20 40 60 80 100 120 140 Business per employee (Rs. million)

983 1159 1249 1241 1363 1294 1343 1338 1350 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 Jun-17 200 400 600 800 1000 1200 1400 1600 Business per branch (Rs. million) 8.05 9.09 8.84 8.18 5.85 6.45 7.87 8.19 7.69 0.00 1.00 2.00 3.00 4.00 5.00 6.00 7.00 8.00 9.00 10.00 Profit per employee (Rs. million)

A Decade of Progress

Units: Rs crore

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Year 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 Paid up Capital 53.94 53.95 54.44 94.49 107.18 107.18 107.18 121.63 121.86 121.86 Reserves 1136.06 1296.21 1565.54 2020.05 2601.04 2978.01 3219.16 4124.4 4451.09 4723.16 Owned funds 1190 1350.16 1619.98 2114.54 2708.22 3085.19 3326.34 4246.03 4572.95 4845.02 CRAR - Basel II

• 14.92%

14.49% 14.41% 14.33% 14.41% 12.77% 14.63% 12.26

• Basel III
• 12.60% 14.62%

12.17 12.54 Deposits 12550 15101 19272 24722 32112 38653 43758 44690 50079 53700 Advances 9569 10563 13675 18052 24205 29706 34226 36691 39476 41435 Total Income 1289 1711 2005 2482 3621 4695 5680 5977 6150 6405 Operating Profit 308 418 463 600 726 849 838 943 1303 1571 Net Profit 208 236 336 416 502 550 430 464 568 606 Dividend (%) 120 120 120 120 140 140 130 130 140 130 (@) Branches (No.) 288 312 335 369 451 551 572 629 667 711 EPS (Rs.) 38.62 43.71 62.23 44.9 46.81 51.35 40.08 39.86 46.59 9.95 (*) Return on Assets 1.63% 1.49% 1.76% 1.71% 1.56% 1.35% 0.86% 0.88% 1.03% 1.00% Book Value(Rs.) 220.61 250.25 297.6 193.04 252.68 287.85 308.91 348.42 375.25 79.51 (*) No of Employees 3580 3941 4175 4574 5673 6730 7339 7197 7211 7400 (@) Proposed (*) During the Financial Year 2016-17, one Equity Share face value of Rs.10/- each was subdivided into five Equity Shares face value of Rs.2/- each

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