on Un-Audited/ Reviewed Financial Results For the Quarter / Half - - PowerPoint PPT Presentation

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Presentation

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Un-Audited/ Reviewed Financial Results For the Quarter / Half Year ended Sept 30,2018

PERFORMANCE HIGHLIGHTS

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TOTAL BUSINESS

1,69,535 [1,72,937]

CASA DEPOSIT 41,546.45

[41,004.63]

GROSS ADVANCES

68,275 [69,917]

GROSS NPA

16,140.39

[15,866.11]

NPA PROVISION 724.05

[1,244.16]

GROSS

INVESTMENT

39,370.96 [37,877.61]

TOTAL DEPOSIT

1,01,260

[1,03,020]

TOTAL INCOME 2,537.01 [2,410.01]

TOTAL EXPENSES

2,095.11 [2,150.05]

NET PROFIT

• 416.70

[-721.71]

OPERATING PROFIT

441.90 [259.96] Yield on Advances 8.23 [8.25] Cost of Deposit 5.36

[5.35] Cost to Income 59.19 [71.25] NIM 2.62 [2.61]

Yield on Invest. 7.25 [7.22]

Yield on Fund 7.54 [7.53] Staff Cost to Income 39.10 [46.28] CRAR 10.10

[10.60]

Figures in [Brackets] represent data for the Quarter ended June 2018

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BUSINESS PROFILE

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Parameter Mar 18 June 18 Sept 17 Sept 18 Growth % Y-o-Y Gross Advances 74,239 69,917 76,600 68,275 [10.87] Total Deposits 1,06,130 1,03,020 1,06,222 1,01,260 [4.67] Total Business 1,80,369 1,72,937 1,82,822 1,69,535 [7.27]

50000 100000 150000 200000 Advances Deposit Business

Mar-18 Jun-18 Sept-17 Sept-18

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KEY INDICATORS

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Particulars Full Year Quarter Growth % Y-o-Y Half Year

Growt

h % Y-o-Y Mar 18 June 18

Sept 17 Sept 18 Sept 17 Sept 18

Operating Profit 1,171.16 259.96 397.35 441.90 11.21 686.13 701.86 2.29 Net Profit [1,923.15] [721.71] [185.02] [416.70] [317.67] [1,138.41] Total Income 10,095.75 2,410.01 2,608.83 2,537.01 [2.75] 5,229.11 4,947.02 [5.39] Total Expenses 8,924.59 2,150.05 2,211.48 2,095.11 [5.26] 4,542.98 4,245.16 [6.56] Provision & Contingencies 3,094.31 981.67 582.37 858.60 47.43 1,003.80 1,840.27 83.33

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INCOME

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Particulars Full Year Quarter

Growth

% Y-o-Y Half Year

Growth %

Y-o-Y Mar 18 June 18 Sept 17 Sept 18 Sept 17 Sept 18 Total Income 10,095.75 2,410.01 2,608.83 2,537.01 [2.75] 5,229.11 4,947.02 [5.39] Interest Income 8,932.23 2,248.62 2,222.07 2,179.73 [1.91] 4,605.06 4,428.35 [3.84] Advances 5,832.91 1,502.65 1,484.61 1,423.98 [4.08] 2,983.05 2,926.63 [1.89] Investments 2,681.90 691.30 653.34 702.81 7.57 1,361.72 1,394.11 2.38 Other 417.42 54.67 84.12 52.94 [37.05] 260.29 107.61 [58.65] Non Interest Income 1,163.52 161.39 386.76 357.28 [7.62] 624.05 518.67 [16.89]

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NON INTEREST INCOME

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Particulars Full Year Quarter Growth % Y-o-Y Half Year Growth % Y-o-Y Mar 18 June 18 Sept 17 Sept 18 Sept 17 Sept 18

• Comm. Exchange,

Brokerage

250.54 58.83 54.06 60.19 11.34 115.10 119.02 3.41

Exchange Earned

• n Forex

45.43 2.81 7.40 5.81 [21.49] 18.39 8.62 [53.13]

Profit on Sale of Investment

422.84 24.71 210.47 30.07 [85.71] 315.91 54.78 [82.66]

Recovery in written off a/cs

141.51 5.41 51.11 85.96 68.19 53.67 91.37 70.24

Process Fee

80.90 13.22 18.37 17.01 [7.40] 36.24 30.23 [16.58]

Other Income

222.30 56.41 45.35 158.24 248.93 84.74 214.65 153.30

Total

1,163.52 161.39 386.76 357.28 [7.62] 624.05 518.67 [16.89]

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NET INTEREST INCOME

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Particulars Full Year Quarter Half Year Mar 18 June 18 Sept 17 Sept 18 Sept 17 Sept 18 Net Interest Income

2,475.82 742.74 600.67 725.63 1,275.72 1,468.37

Net Interest Margin [%]

2.19 2.61 2.12 2.62 2.24 2.62

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EXPENSES

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Particulars Full Year Quarter Growth

% Y-o-Y

Half Year

Growth % Y-o-Y

Mar 18 June 18 Sept 17 Sept 18 Sept 17 Sept 18 Total Expenses

8,924.59 2,150.05 2,211.48 2,095.11 [5.26] 4,542.98 4,245.16 [6.56]

Interest Expenses

6,456.41 1,505.88 1,621.40 1,454.10 [10.32] 3,329.34 2,959.98 [11.09]

Deposits

5,955.55 1,389.43 1,505.16 1,359.43 [9.68] 3,104.26 2,748.86 [11.45]

Others

500.86 116.45 116.24 94.68 [18.55] 225.08 211.13 [6.20]

Operating Expenses

2,468.18 644.17 590.08 641.01 8.63 1,213.64 1,285.18 5.89

• a. Salaries

1,587.50 418.46 376.27 423.40 12.53 775.99 841.86 8.49

• b. Other

Operating Expenses

880.68 225.71 213.81 217.61 1.78 437.65 443.32 1.30

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PROVISIONS & CONTINGENCIES

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Particulars Full Year Quarter

Growth % Y-o-Y

Half Year

Growth % Y-o-Y

Mar 18 June 18 Sept 17 Sept 18 Sept 17 Sept 18 NPA

4,281.80 1,244.16 652.34 724.05 10.99 1,086.92 1,968.21 81.08

Tax Expense

[1,255.60] [137.08] [154.29] [9.23] [255.34] [146.31]

Investment Depreciation

203.79 99.22 34.96 170.99 389.10 47.84 270.20 464.80

Standard Assets

[158.64] [89.70] 25.80 [26.59] 90.82 [116.28]

FITL

[41.44] [39.13] 30.52 [4.71] 11.86 [43.84]

NPV of Restructured A/cs

54.80 [92.49] [9.93] 4.23 18.94 [88.26]

Others

9.60 [3.31] 2.97 [0.14] 2.77 [3.45]

Total Provisions

3,094.31 981.67 582.37 858.60 47.43 1,003.81 1,840.27 83.33

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RESOURCES / DEPLOYMENT

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Particulars Mar 18 June 18 Sept 17 Sept 18 Growth % Current Deposits 6,013.53 5,264.71 6,400.82 5,173.52 [19.17] Savings Deposits 36,471.49 35,739.92 34,459.03 36,372.93 5.55 CASA Deposits 42,485.02 41,004.63 40,859.85 41,546.45 1.68 Term Deposits 59,762.34 59,254.78 63,650.20 58,802.82 [7.62] Aggregate Deposits 1,02,247.36 1,00,259.41 1,04,510.05 1,00,349.27 [3.98] CASA [%] to Total Deposits 40.03 39.80 38.47 41.03 Inter Bank Deposits 3,882.79 2,760.15 1,712.04 911.02 [46.79] TOTAL DEPOSITS 1,06,130.15 1,03,019.56 1,06,222.09 1,01,260.29 [4.67] GROSS ADVANCES 74,238.58 69,916.88 76,600.24 68,274.96 [10.87] BUSINESS MIX 1,80,368.73 1,72,936.44 1,82,822.33 1,69,535.25 [7.27]

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ADVANCES

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Particulars Mar 18 June 18 Sept 17 Sept 18 Gross Advances [Growth %] 74,239 [-4.26] 69,917 [-6.54]

76,600 [-2.42] 68,275 [-10.87]

Priority Sector [Growth %] 28,889 [-0.44] 27,376 [-3.91]

28,944 [-0.51] 26,540 [-8.31]

Agriculture [Growth %] 13,347 [2.32] 12,660 [-3.48]

13,758 [9.96] 12,213 [-11.23]

MSME [Growth %] 10,898 [-12.52] 10,363 [-12.95]

11,495 [-12.55] 10,036 [-12.69]

Retail [Growth %] 13,240 [-0.46] 12,957 [-4.23]

12,855 [10.90] 12,485 [-2.88]

CD Ratio 69.95 67.87

72.11 67.43

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COMPOSITION OF ADVANCES

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Particulars Outstanding as of Growth over Sept 17 % to Total Advances Mar 18 June 18 Sept 17 Sept 18 Amt % Agriculture 13,347 12,660 13,758 12,213 [1,545] [11.23] 17.89 MSME 10,898 10,363 11,495 10,036 [1,459] [12.69] 14.70 Large Industries 26,817 23,796 27,035 22,318 [4,717] [17.45] 32.69 Retail 13,240 12,957 12,855 12,485 [370] [2.88] 18.29 Food Credit 569 774 641 623 [18] [2.81] 0.91 Others 9,368 9,367 10,816 10,600 [216] [2.00] 15.52 Total 74,239 69,917 76,600 68,275 [8,325] [10.87] 100.00

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RETAIL PORTFOLIO

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Mar 18 June 18 Sept 17 Sept 18 Y-o-Y Growth %

Direct Retail 10,748 10,651 10,042 10,032 [0.11] Total Retail 13,240 12,957 12,856 12,485 [2.88] % of Gross Advances 17.83 18.53 16.78 18.29 Segment Amount % To Total Retail Housing 6,538.75 65.18 Vehicle 873.05 8.70 Education 506.13 5.05 Mortgage 285 2.84 Personal 29.21 0.29 Dena Trade 1,111.08 11.08 Doctor + 18.49 0.18 Gold Loan 20.51 0.20 Others 649.36 6.48 Total 10,031.57 100.00

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Retail Advances

Housing Vehicle Education Mortgage Personal Dena Trade Doctor + Gold Loan Others

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PRIORITY SECTOR LENDING

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Sr No Particulars Mar 18 Jun 18 Sept 17 Sept 18 Y-o-Y Regulato ry Targets FY 18-19

1 ANBC

85,038 79,785 83,918 82,263 82,950 2

Agriculture (Including RIDF, PTC PSLCs & IBPC)

18,179 15,069 16,360 14,482 [11.48] 14,931 3

MSME-PS

11,638 11,127 12,014 10,747 [10.55] 4

Others

6,132 4,939 5,364 4,867 [9.27] 5

Total PSL (Including RIDF, PTC, PSLCs & IBPC)

35,949 31,135 33,738 30,096 [10.79] 33,180 6

Agri % to ANBC

21.38 18.89 19.49 17.60 18.00 7

PSL % to ANBC

42.27 39.02 40.20 36.59 40.00

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INVESTMENTS

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Particulars June 18 Sept 17 Sept 18 % to Total GROSS INVESTMENTS 37,877.61 34,450.30 39,370.96 100 SLR INVESTMENTS Treasury Bills 0.00 0.00 0.00 0.00 CG securities 19,039.20 18,359.57 20,434.94 51.90 State Govt. Securities Other Approved Securities 10,777.93 0.00 10,452.34 0.00 10,683.71 0.00 27.14 0.00 Total 29,817.13 28,811.91 31,118.65 79.04 NON-SLR INVESTMENTS PSU Bonds 2,708.28 3,633.47 2,916.20 7.41 Corporate Debentures 1,285.15 508.17 1,235.83 3.14 CDs 0.00 0.00 0.00 0.00 CPs 49.15 246.82 0.00 0.00 Shares of PSUs /Corporates & Others 522.85 520.26 557.05 1.41 Regional Rural Banks 19.33 19.33 19.33 0.05 Units of MF 0.00 3.00 0.00 0.00 Venture CF 32.17 44.11 32.19 0.08 Security Receipts 641.55 647.97 689.71 1.75 CBLO & Others 2,802.00 15.26 2,802.00 7.12 Total 8,060.48 5,638.39

8,252.31 20.96

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TREASURY MANAGEMENT

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Particulars

June 18

Sept 17 Sept 18

% Growth % to Total Investment

Gross Investment

37,877.61 34,450.30

39370.96 14.28 100

• f which

(i) HFT

0.00 0.00 0.00 0.00 0.00

(ii) AFS

12,622.65 10,212.31 14,719.49 44.13 37.39

(iii) HTM

25,254.96 24,237.99 24,651.47 1.71 62.61

SLR Investment

29,817.13 28,811.91 31,118.65 8.01 79.04

Non-SLR Investment

8,060.48 5,638.39 8,252.31 46.36 20.96

• f which – Rated

8,042.18 5,620.09 8,234.01 46.51 20.91

– Unrated

18.30 18.30 18.30 0.00 0.05

Average Yield on all Investments [FY]

7.22 7.37 7.24

Trading Profits [FY] HFT AFS HTM Total

2.12 19.62 2.97 24.71 0.45 212.91 102.55 315.91 5.96 26.93 21.88 54.77

VAR (AFS+HFT)

87.87 63.38 104.51

Duration (Yrs) AFS + HFT HTM Total

5.02 5.03 5.03 4.79 5.38 5.22 5.09 5.02 5.07

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ADVANCES - CLASSIFICATION

17 Mar 18 Sept 17 Sept 18 Asset Category Amount % age Amount % age Amount % age

Standard

57,877.14 77.96 63,398.97 82.77 52,134.57 76.36

Sub Standard

3,353.75 4.52 3,064.67 4.00 3,287.30 4.82

Doubtful

11,442.85 15.41 9,582.43 12.51 10,974.73 16.07

Loss

15,64.84 2.11 554.17 0.72 1,878.36 2.75

Total NPAs

16,361.44 22.04 13,201.27 17.23 16,140.39 23.64

Total

74,238.58 100 76,600.24 100 68,274.96 100.00 [` [` cr cr]

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MOVEMENT OF NPA

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Particulars

Full Year Quarter Half Year

Mar 18 June 18

Sept 17 Sept 18 Sept 17 Sept 18

Gross NPA Opening Balance 12,618.73 16,361.44 12,994.16 15,866.11 12,618.73 16,361.44 Less: Cash recoveries 931.24 885.91 227.24 697.03 491.06 1,582.94 Less: Up gradations 673.40 314.69 268.82 122.75 452.48 437.44 Less: Write off 661.12 601.81 172.53 579.75 303.77 1181.56 Total Reductions 2,265.76 1,802.41 668.59 1,399.53 1,247.31 3,201.94 Add: Slippage & Debit Operations 6,008.47 1,307.08 875.70 1,673.81 1,829.85 2980.89 GROSS NPA 16,361.44 15,866.11 13,201.27 16,140.39 13,201.27 16,140.39 GROSS NPA [%] 22.04 22.69 17.23 23.64 17.23 23.64 NET NPA 7,838.78 6,704.31 7,510.97 6,902.38 7,510.97 6,902.38 NET NPA [%} 11.95 11.04 10.61 11.70 10.61 11.70 Recovery in w/o A/cs 141.51 5.41 51.11 85.96 53.67 91.37

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EXPOSURE TO MAJOR INDUSTRIES

19 Mar 18 June 18 Sept 17 Sept 18 Sector Amount % age Amount % age Amount % age Amount % age Infrastructure

10,732.66 14.46 15,511.24 22.18 11,602.38 15.15 15,135.95 22.17

Power

3,624.22 4.88 3,539.59 5.06 4,629.22 6.04 3,268.31 4.79

Telecom

1,788.42 2.41 1,105.08 1.58 2,044.38 2.67 1,033.32 1.51

Roads & Ports

2,859.47 3.85 2,841.12 4.06 2,817.29 3.68 2,807.47 4.11

Other Infra#

2,460.55 3.31 8,025.45 11.48 2,111.49 2.76 8,026.85 11.76

Metal incl Iron & Steel

5,360.39 7.22 4,824.52 6.90 4,609.24 6.02 3,760.38 5.51

Textiles

3,806.33 5.13 3,491.59 4.99 3,650.78 4.77 2,961.90 4.34

Chemical & Chemical Products

810.22 1.09 772.57 1.10 877.21 1.15 876.97 1.28

All Engineering

2,929.02 3.95 2,432.75 3.48 3,229.77 4.22 2,636.91 3.86

Gems & Jewellery

782.53 1.05 809.56 1.16 746.18 0.97 752.36 1.10

Food Processing

1,390.59 1.87 1,274.16 1.82 1,415.32 1.85 1,219.75 1.79

Construction

2,542.08 3.42 2,524.94 3.61 2,921.77 3.81 2,040.83 2.99

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# Affordable Housing ,Tourism and Sport Infra have been included in Other Infra w.e.f. June 18

RESTRUCTURED ADVANCES

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Mar 18 June 18 Sept 17 Sept 18 Sector Amount % age Amount % age Amount % age Amount % age Agriculture 370.24 5.76 354.18 5.87 384.51 6.01 352.49 6.98 Power 1,437.96 22.37 1,391.00 23.06 1,650.29 25.79 982.64 19.44 Telecom 252.71 3.93 251.21 4.16 253.84 3.97 221.91 4.39 Road & Port 806.20 12.54 805.60 13.36 622.99 9.74 764.98 15.14 Textiles 271.54 4.22 266.34 4.42 281.06 4.39 179.94 3.56 Cement & Products 171.08 2.66 163.89 2.72 179.17 2.80 39.74 0.79 Iron & Steel 1,005.54 15.64 836.26 13.87 1,118.45 17.48 833.61 16.50 Civil Aviation 126.33 1.97 166.69 2.76 130.63 2.04 164.14 3.25 Hotel 28.09 0.44 27.45 0.46 28.09 0.44 27.45 0.54 Other Infrastructure 521.59 8.11 566.86 9.40 390.78 6.11 560.79 11.10 Others 1,437.23 22.36 1,201.38 19.92 1,358.69 21.23 925.90 18.31 Total 6,428.51 100.00 6,030.86 100.00 6,398.50 100.00 5,053.59 100.00

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Of the Total Restructured Assets ` 1,696.16 cr is Std and ` 3,357.43 crs is NPA

CAPITAL ADEQUACY

21 Particulars 31.03.2018 30.06.2018 30.09.2017 30.09.2018

Net Worth

5,106.88 4,259.44 4,238.55 3,825.18

Risk Weighted Assets

72,955.55 67,600.87 78,085.45 65,869.04

Total Capital Funds

8,088.12 7,167.49 8,815.71 6,655.89

CET 1

6,425.56 5,507.25 5,352.79 5,027.12

Tier I Capital

6,425.56 5,507.25 6,854.29 5,027.12

Tier II Capital

1,662.56 1,660.24 1,961.42 1,628.77 Capital Adequacy Ratio Particulars 31.03.2018 30.06.2018 30.09.2017 30.09.2018 Under Basel III 11.09 10.60 11.29 10.10 CET 1 8.81 8.15 6.86 7.63 Tier I 8.81 8.15 8.78 7.63 Tier II 2.28 2.45 2.51 2.47

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KEY RATIOS

22 Ratios Full Year Quarter Half Year Mar 18 June 18 Sept 17 Sept 18 Sept 17 Sept 18

A

Cost of Deposits [%]

5.62 5.35 5.73 5.36 5.81 5.36

B

Cost of Funds [%]

5.84 5.59 5.91 5.54 5.98 5.55

C

Yield on Advances [%]

8.00 8.25 8.15 8.23 8.22 8.24

D

Yield on Investments [%]

7.26 7.22 7.31 7.25 7.37 7.24

E

Yield on Funds [%]

7.51 7.53 7.52 7.54 7.66 7.53

F

Net Interest Margin [%]

2.19 2.61 2.12 2.62 2.24 2.62

G

Provision Coverage Ratio [Incl Tech W/O]

60.20 65.70 54.31 65.27 54.31 65.27

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KEY RATIOS

23 Ratios Full Year Quarter Half Year Mar 18 June 18 Sept 17 Sept 18 Sept 17 Sept 18 A. Cost to Income Ratio

67.82 71.25

59.76 59.19 63.88 64.68 i) Staff Cost to Income Ratio

43.62 46.28 38.11 39.10 40.85 42.37

ii) Other Overhead to Income Ratio

24.20 24.97 21.65 20.09 23.03 22.31

B Net Profit to Total Income

[19.05] [29.95] [7.09] [16.43] [6.08] [23.01]

C Return on Assets [Annualised]

[1.59] [2.43] [0.62] [1.44] [0.52] [1.94]

D Return on Equity [Annualised]

[26.17] [37.25] [11.63] [23.22] [9.88] [30.19]

E Earning Per Share `

[18.06] [3.19] [1.86] [1.84] [3.20] [5.04]

F Book Value `

27.45 23.69 53.05 21.73 53.05 21.73

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PRODUCTIVITY RATIOS

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Particulars Mar 18 (FY) Jun 18 (Q) Sept 17 (HY) Sept 18 (HY) Business per Branch [ ` cr] 100.20 96.83 101.46 94.92 Business per Employee [ ` cr] 13.25 12.87 13.21 12.47 Profit Per Branch [ ` lacs] [106.84] [40.41] [17.63] [63.74] Profit Per Employee [ ` lacs] [14.13] [5.37] [2.30] [8.37]

8.00 10.00 12.00 14.00 16.00 Jun-18 Sep 17 Sep 18

12.87 13.21 12.47

Business per Employee 70 85 100 115 130 Jun-18 Sep 17 Sep 18

96.83 101.46 94.92

Business per Branch

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SHARE HOLDING PATTERN

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• Share Capital ` 2,259.04 cr
• No. of Shares 225.90 cr

cr

• Net worth ` 3,825.1

.18 cr cr

• B. V. per share ` 21.7

.73

• Return on Equity [30.19]%

(annualised)

• Govt. of India

80.74 FII 1.29 Insurance Companies 8.43 FIs/Banks 1.66 Mutual Funds 0.00 Bodies Corporate 0.98 NRIs & OCBs 0.26 Public 6.64

• Govt. of

India 80.74% FI & Banks 1.66% Ins Cos 8.43% FIIs 1.29% Indian Public 6.64% Corp. Bodies 0.98% NRIs & OCBs 0.26%

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BRANCH NETWORK

26

March 18 June 18 Sept 17 Sept 18 Branches 1,872 1,858 1,874 1,858 Ext. Counters 5 5 5 5 ATMs 1,685 1,646 1,661 1,604 E- smart Lobbies 98 98 98 100 Category Sept 18 % share Rural 645 34.71 Semi Urban 435 23.41 Urban 358 19.28 Metro 420 22.60 Total 1,858 100.00

Category

Rural Semi Urban Urban Metro

23.41% 19.27% 22.60% 34.71%

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