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

Presentation on Un-Audited/ Reviewed Financial Results For the Quarter / Half Year ended Sept 30,2018 1

PERFORMANCE HIGHLIGHTS [` cr [` cr] GROSS OPERATING TOTAL INCOME ADVANCES PROFIT 2,537.01 441.90 68,275 [2,410.01] TOTAL CASA [259.96] [69,917] DEPOSIT DEPOSIT main 41,546.45 1,01,260 TOTAL [41,004.63] [1,03,020] BUSINESS TOTAL 1,69,535 EXPENSES NET PROFIT GROSS 2,095.11 [1,72,937] -416.70 GROSS NPA [2,150.05] [-721.71] INVESTMENT 39,370.96 16,140.39 NPA [37,877.61] [15,866.11] PROVISION 724.05 [1,244.16] Staff Cost to Yield on Cost of Yield on Yield on Cost to CRAR Income Fund Advances Deposit Invest. NIM Income 10.10 5.36 8.23 59.19 7.25 7.54 2.62 39.10 [10.60] [5.35] [8.25] [7.22] [71.25] [7.53] [2.61] [46.28] 2 Figures in [Brackets] represent data for the Quarter ended June 2018

BUSINESS PROFILE Mar-18 200000 150000 Jun-18 100000 50000 Sept-17 0 Sept-18 Advances Deposit Business [` cr [` cr] Growth % Parameter Mar 18 June 18 Sept 17 Sept 18 Y-o-Y 74,239 69,917 76,600 68,275 Gross Advances [10.87] 1,06,130 1,03,020 1,06,222 1,01,260 Total Deposits [4.67] 1,80,369 1,72,937 1,82,822 1,69,535 Total Business [7.27] 3

KEY INDICATORS [` [` cr] Full Quarter Half Year G rowt Year Growth Particulars h % % Y-o-Y Y-o-Y Mar 18 June 18 Sept 17 Sept 18 Sept 17 Sept 18 Operating 259.96 397.35 441.90 686.13 701.86 1,171.16 11.21 2.29 Profit 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 & 3,094.31 981.67 582.37 858.60 47.43 1,003.80 1,840.27 83.33 Contingencies Back to Main Page 4

INCOME [` [` cr cr] G rowth Full Quarter Half Year % G rowth % Year Particulars Y-o-Y 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 1,502.65 1,484.61 1,423.98 [4.08] 2,983.05 2,926.63 5,832.91 [1.89] Investments 691.30 653.34 702.81 1,361.72 1,394.11 2,681.90 7.57 2.38 Other 417.42 54.67 84.12 52.94 [37.05] 260.29 107.61 [58.65] Non Interest 161.39 386.76 357.28 [7.62] 624.05 518.67 1,163.52 [16.89] Income Back to Main Page 5

NON INTEREST INCOME [` [` cr cr] Full Half Year Growth Quarter Year Growth % Y-o-Y Particulars % Y-o-Y Mar 18 June 18 Sept 17 Sept 18 Sept 17 Sept 18 Comm. Exchange, 58.83 54.06 60.19 115.10 119.02 250.54 11.34 3.41 Brokerage Exchange Earned 2.81 7.40 5.81 18.39 8.62 [53.13] 45.43 [21.49] on Forex Profit on Sale of 422.84 24.71 210.47 30.07 [85.71] 315.91 54.78 [82.66] Investment Recovery in 141.51 5.41 51.11 85.96 68.19 53.67 91.37 70.24 written off a/cs 13.22 18.37 17.01 36.24 30.23 [16.58] 80.90 [7.40] Process Fee 222.30 56.41 45.35 158.24 248.93 84.74 214.65 153.30 Other Income 161.39 386.76 357.28 624.05 518.67 [16.89] Total 1,163.52 [7.62] Back to Main Page 6

NET INTEREST INCOME [` [` cr cr] Full Quarter Half Year Year Particulars Mar 18 June 18 Sept 17 Sept 18 Sept 17 Sept 18 2,475.82 742.74 600.67 725.63 1,275.72 1,468.37 Net Interest Income 2.19 2.61 2.12 2.62 2.24 2.62 Net Interest Margin [%] Back to Main Page 7

EXPENSES [` [` cr cr] Full Quarter Half Year Year Growth Growth Particulars % Y-o-Y % Y-o-Y Mar 18 June 18 Sept 17 Sept 18 Sept 17 Sept 18 Total 8,924.59 2,150.05 2,211.48 2,095.11 [5.26] 4,542.98 4,245.16 [6.56] Expenses Interest 1,505.88 1,621.40 1,454.10 [10.32] 3,329.34 2,959.98 6,456.41 [11.09] Expenses Deposits 5,955.55 1,389.43 1,505.16 1,359.43 [9.68] 3,104.26 2,748.86 [11.45] 116.45 116.24 94.68 [18.55] 225.08 211.13 [6.20] Others 500.86 Operating 590.08 641.01 8.63 1,213.64 1,285.18 2,468.18 644.17 5.89 Expenses 1,587.50 418.46 376.27 423.40 12.53 775.99 841.86 8.49 a. Salaries b. Other Operating 880.68 225.71 213.81 217.61 1.78 437.65 443.32 1.30 Expenses Back to Main Page 8

PROVISIONS & CONTINGENCIES [` [` cr cr] Full Year Quarter Half Year Growth Growth Particulars % Y-o-Y % Y-o-Y Mar 18 June 18 Sept 17 Sept 18 Sept 17 Sept 18 1,244.16 652.34 724.05 10.99 1,086.92 1,968.21 4,281.80 81.08 NPA [1,255.60] [137.08] [154.29] [9.23] [255.34] [146.31] Tax Expense Investment 203.79 99.22 34.96 170.99 389.10 47.84 270.20 464.80 Depreciation [158.64] [89.70] 25.80 [26.59] 90.82 [116.28] Standard Assets [41.44] [39.13] 30.52 [4.71] 11.86 [43.84] FITL NPV of 54.80 [92.49] [9.93] 4.23 18.94 [88.26] Restructured A/cs 9.60 [3.31] 2.97 [0.14] 2.77 [3.45] Others 3,094.31 981.67 582.37 858.60 47.43 1,003.81 1,840.27 83.33 Total Provisions Back to Main Page 9

RESOURCES / DEPLOYMENT [` [` cr cr] Growth Particulars Mar 18 June 18 Sept 17 Sept 18 % 6,013.53 6,400.82 5,173.52 5,264.71 [19.17] Current Deposits 36,471.49 34,459.03 36,372.93 35,739.92 5.55 Savings Deposits 42,485.02 40,859.85 41,546.45 41,004.63 1.68 CASA Deposits 63,650.20 58,802.82 59,762.34 59,254.78 [7.62] Term Deposits 1,04,510.05 1,00,349.27 1,00,259.41 1,02,247.36 [3.98] Aggregate Deposits 39.80 40.03 38.47 41.03 CASA [%] to Total Deposits 3,882.79 2,760.15 1,712.04 911.02 [46.79] Inter Bank Deposits 1,06,130.15 1,03,019.56 1,06,222.09 1,01,260.29 [4.67] TOTAL DEPOSITS 74,238.58 69,916.88 76,600.24 68,274.96 [10.87] GROSS ADVANCES 1,80,368.73 1,72,936.44 1,82,822.33 1,69,535.25 [7.27] BUSINESS MIX Back to Main Page 10

ADVANCES [` cr] [` Particulars Mar 18 June 18 Sept 17 Sept 18 74,239 69,917 Gross Advances 76,600 68,275 [-4.26] [-6.54] [-2.42] [-10.87] [Growth %] 28,889 27,376 Priority Sector 28,944 26,540 [-0.44] [-3.91] [-0.51] [-8.31] [Growth %] 13,347 12,660 13,758 12,213 Agriculture [2.32] [-3.48] [9.96] [-11.23] [Growth %] 10,898 10,363 11,495 10,036 MSME [-12.55] [-12.69] [-12.52] [-12.95] [Growth %] 13,240 12,957 Retail 12,855 12,485 [10.90] [-2.88] [-0.46] [-4.23] [Growth %] 69.95 67.87 72.11 67.43 CD Ratio Back to Main Page 11

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

RETAIL PORTFOLIO [ ` cr] Mar 18 June 18 Sept 17 Sept 18 Y-o-Y Growth [` [` cr cr] % Segment Amount % To Direct 10,748 10,651 10,042 10,032 [0.11] Retail Total Retail Total Retail 13,240 12,957 12,856 12,485 [2.88] 6,538.75 65.18 Housing % of Gross 17.83 18.53 16.78 18.29 Advances 873.05 8.70 Vehicle 506.13 5.05 Education Retail Advances Housing 285 2.84 Mortgage Vehicle 29.21 0.29 Personal Education 11.08 1,111.08 Dena Trade Mortgage 18.49 0.18 Personal Doctor + Dena Trade 20.51 0.20 Gold Loan Doctor + 649.36 6.48 Others Gold Loan Others Total 10,031.57 100.00 Back to Main Page 13

PRIORITY SECTOR LENDING [` [` cr cr] Regulato Sr ry Particulars Mar 18 Jun 18 Sept 17 Sept 18 Y-o-Y No Targets FY 18-19 85,038 79,785 83,918 82,263 82,950 1 ANBC Agriculture 2 18,179 15,069 16,360 14,482 14,931 (Including RIDF, PTC [11.48] PSLCs & IBPC) 3 11,638 11,127 12,014 10,747 [10.55] MSME-PS 4 6,132 Others 4,939 5,364 4,867 [9.27] Total PSL (Including 5 35,949 33,180 RIDF, PTC, PSLCs & 31,135 33,738 30,096 [10.79] IBPC) 6 21.38 18.89 19.49 17.60 18.00 Agri % to ANBC 7 42.27 39.02 40.20 36.59 40.00 PSL % to ANBC Back to Main Page 14

INVESTMENTS [` [` cr cr] Particulars June 18 Sept 17 Sept 18 % to Total 37,877.61 34,450.30 39,370.96 100 GROSS INVESTMENTS SLR INVESTMENTS 0.00 0.00 0.00 0.00 Treasury Bills 19,039.20 18,359.57 20,434.94 51.90 CG securities 10,452.34 10,683.71 10,777.93 27.14 State Govt. Securities 0.00 0.00 0.00 0.00 Other Approved Securities 29,817.13 28,811.91 31,118.65 79.04 Total NON-SLR INVESTMENTS 2,708.28 3,633.47 2,916.20 7.41 PSU Bonds 1,285.15 508.17 1,235.83 3.14 Corporate Debentures 0.00 0.00 0.00 0.00 CDs 49.15 246.82 0.00 0.00 CPs 522.85 520.26 557.05 1.41 Shares of PSUs /Corporates & Others 19.33 19.33 19.33 0.05 Regional Rural Banks 0.00 3.00 0.00 0.00 Units of MF 32.17 44.11 32.19 0.08 Venture CF 641.55 647.97 689.71 1.75 Security Receipts 2,802.00 15.26 2,802.00 7.12 CBLO & Others 8,060.48 5,638.39 8,252.31 20.96 Total Back to Main Page 15