Growth in Key Parameters( Y-o-Y)- Mar 16- Mar 17

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2 Growth in Key Parameters( Y-o-Y)- Mar 16- Mar 17 Business grew by 9.3% - from Rs Cr to Rs Cr. Total Deposits grew by 12.1% - from Rs Cr. CASA Deposits grew by 26.1% Cr. Rs Cr to - from Rs Cr to Rs. Advances grew by 5.8% - from Rs Cr. to Rs Cr. MSME Advances grew by 17% - from Rs Cr. to Rs Cr. 2

3 Business Delivery Channels Branches Extension Counters ATMs/BNA/CR Satellite Offices TOTAL Branch Mix Rural Semi-Urban Urban Metro TOTAL Bank has Representative Offices in Dubai & New Jersey ** As per census of

4 Share Capital No. of Shares Rs Crs Crs (%) (%) Government of India *61.26 General Public Private Corporate Bodies Mutual Funds & UTI Banks/FIs/Insurance Cos Foreign Institutional Investors Others Total *Excluding Rs 1100 Crores received from GOI on which is kept as share application money 4

5 Details YEAR ENDED (Amount in Rs crores) Variance (Y-o-Y) % Total Deposits % Total Advances % Total Business % Investments (Net ) % Net Profit % CD Ratio 83.61% 78.24% 73.80% 5

6 Type of Deposit YEAR ENDED (Amount in Rs crores) Variance (Y-o-Y) % Current Deposits % Share Savings Deposits % Share CASA (Incl. bank deposits) % Share Term Deposits (Incl. Inter Bank) % Share T O T A L

7 (Amount in Rs crores) SECTOR Variance (Y-o-Y) % Corporate & Mid Corporate Advances % MSME % Retail Credit % Agriculture % Gross Bank Credit % 7

8 (Amount in Rs crores) Sl. No. Particulars Quarter ended Mar 16 Mar 17 Year ended Variance (Y-o-Y)% Mar 16 Mar 17 Variance (Y-o-Y) 1 Interest Income % % 2 Interest Expenses % % 3 NII (Spread) (1-2) % % 4 Other Income % % 5 Operating Expenses % % 6 Operating Profit % % 7 Provisions % % 8 Taxes % 9 Net Profit (6-7-8) % % 8

9 (Amount in Rs crores) Quarter ended Year ended Interest on Mar 2016 Mar 2017 Variance (Y-o-Y) Mar 2016 Mar 2017 Variance (Y-o-Y) Advances % % Investment % % Others % % TOTAL INTEREST INCOME % % 9

10 ( Amount in Rs crores) Interest on Quarter ended Mar 16 Mar 17 Variance (Y-o-Y)% Year ended Mar 16 Mar 17 Variance (Y-o-Y)% Deposits % % Sub-ordinate Debt/Other Innovative capital instruments % % Borrowings % % TOTAL INTEREST EXPENSE % % 10

11 ( Amount in Rs crore) Quarter Ended Year ended Particulars Mar 2016 Mar 2017 Variance (Y-o-Y)% Mar 2016 Mar 2017 Variance (Y-o-Y)% Interest Income Interest Expenses Interest Spread (NII) NIM(On Earning Assets)

12 Particulars ( Amount in Rs crore) Quarter ended Year ended Mar 2016 Mar 2017 Mar 2016 Mar 2017 A) Non-interest Income from Core Operations 1) Processing Fee ) Other Income ) Rent on Lockers ) Recovery in Written off Accounts ) Commission & Exchange Sub Total (A) B) Non Interest Income from Treasury 1) Profit on Sale of Investments ) Dividend Income ) Forex Profit Sub Total (B) C) Total Non Interest Income (A+B)

13 ( Amount in Rs crore) Quarter ended Year ended Particulars Mar 2016 Mar 2017 Variance (Y-o-Y)% Mar 2016 Mar 2017 Variance (Y-o-Y)% Establishment Expenses Other Operating Expenses T O T A L: %

14 ( Amount in Rs crore) Particulars Quarter ended Year Ended Mar 2016 Mar 2017 Mar 2016 Mar 2017 Income Tax Dep./Loss on revaluation of Investments Depreciation on Transfer to/from HTM Provision for NPAs Provision against Standard Assets including restructured standard assets Others Total

15 Ratios Quarter ended Year Ended Mar 2016 Mar 2017 Mar 2016 Mar 2017 Cost of Deposits % Cost of Funds % Yield on Advances % Yield on Investments % Yield on Funds %

16 Quarter ended Year Ended Ratios Mar 2016 Mar 2017 Mar 2016 Mar 2017 Return on Assets(ROA)% Return on Avg. Net worth % ( Annualised) Earning per Share (Amt in Rs) Annualized Book value per share (Amt in Rs)

17 Ratios Cost to Income Ratio (%) Staff Cost as % of Average Working Funds Other Operating Expenses as % of Average Working Funds Operating Profit to AWF (%) Staff Cost to Total Expenditure (%) Quarter ended Year Ended Mar 2016 Mar 2017 Mar 2016 Mar

18 ( Amount in Rs crore) Ratios Mar 2015 Mar 2016 Mar 2017 Business Per Employee Net Profit Per Employee Business Per Branch Gross Profit Per Branch

19 ( Amount in Rs crore) Ratio Total Risk Weighted Assets Common Equity Tier I Ratio % % * % Additional Tier I Ratio % % % Tier II Ratio % % % Total Capital Ratio (CRAR) % % % * Treating Rs 1100 Crores received from GOI as CET-1 19

20 ( Amount in Rs crore) Particulars Net Investments HTM AFS HFT Duration (AFS) Modified Duration (AFS) Duration Total Portfolio Modified Duration Total Portfolio Yield on Investments

21 ( Amount in Rs crore) Types of Net Investments Mar 2015 % of Total Mar 2016 % of Total Mar 2017 % of Total SLR % % % Non SLR % % % Total % % % 21

22 ( Amount in Rs crore) Variance Category Mar 2015 Mar 2016 Mar 2017 (Y-o-Y) % AGRI GOLD LOANS AGRI TERM LOANS PATTABHI AGRI CASH CREDITS (KCC) SHG FARM SECTOR OTHERS * TOTAL * Including RIDF and Agri Non priority 22

23 ( Amount in Rs crore) Category Variance (Y-o-Y) % Housing Loans % Non Agriculture Gold Loans % Other Retail Credit (Educational Loans, Consumer/clean loans, deposit loans) % Total % 23

24 ( Amount in Rs crore) Category Mar 2015 Mar 2016 Mar 2017 Variance (Y-o-Y) MICRO % SMALL % MEDIUM % TOTAL % 24

25 ( Amount in Rs crores) Sl. No Industry Actual Fund Based Exposure Exposure as % of Total Advances of Previous Quarter Actual Fund Based Outstanding Outstanding as % of Total Advances of Previous Quarter 1 Power % % 2 Housing Loans % % 3 NBFC % % 4 Iron & Steel % % 5 Textiles % % 6 Construction & Contractors % % 7 Commercial Real Estate % % 8 Rice Mills % % 9 10 Engineering (Heavy & Light) Diamonds, Gems & Jewelers % % % % 25

26 ( Amount in Rs crores) Sl. No Industry Actual Fund Based Exposure Exposure as % of Total Advances of Previous Quarter Actual Fund Based Outstanding Outstanding as % of Total Advances of Previous Quarter 11 Petroleum Products % % 12 Drugs & Pharmaceuticals % % 13 Sugar % % 14 Hotels % % 15 Cement & Cement Products % % 16 Tobacco % % 17 Hospitals % % 18 Educational Institutions % % 19 Distilleries % % 20 Software % % 26

27 Sl. No Industry Actual Fund Based Exposure Exposure as % of Total Advances of Previous Quarter Actual Fund Based Outstanding Outstanding as % of Total Advances of Previous Quarter 1 Energy % % a) Power % % b) Gas Transportation % % 2 Transportation % % a) Roads, Bridges & Rail % % b) Ports & Airports % % c) Public Transport % % 3 Water & Sanitation % % 4 Communications % % 5 Social & Commercial (of which) % % a) Hospitals % % b) Educational Institutes % % C) SEZ % % d) Cold Storage/Rural Godowns % % e) Fertilizers % % ( Amount in Rs crores) TOTAL % % 27

28 Asset Quality Standard Assets (94.69%) (91.61%) (87.75%) Total NPAs (of which) (5.31%) (8.39%) (12.25%) Sub-Standard Assets (1.55%) (2.45%) (4.58%) Doubtful Assets (3.73%) (5.91%) (7.63%) Loss Assets (0.03%) (0.03%) (0.04%) T O T A L 100% % % 28

29 ( Amount in Rs crore) As on As on SECTORS Advances NPA NPA % to Total Advances (Sector wise) Advances NPA NPA % to Total Advances ( Sector wise) AGRICULTURE % % MSME % % RETAIL CREDIT % % LARGE & MID CORPORATE % % TOTAL % % 29

30 PARAMETER ( Amount in Rs crore) Quarter ended Year Ended Mar 2016 Mar 2017 Mar 2016 Mar 2017 NPAs at the beginning of the period Add: Additions during the period NPAs after addition Less: Reduction during the period of which -Up gradation/recovery Technical Write off/ Write off in compromise accounts * NPAs at the end of the period Gross NPA % Net NPAs at the end of the period Net NPA % Provision Coverage Ratio

31 ( Amount in Rs crore) Sl.No. Particulars No. of Accounts Amount 1 Below Rs 1 Crore Rs 1 Crore to less than Rs 25 Crores Rs 25 Crores and above Total

32 ( Amount in Rs crore) Particulars Restructured up to Fresh Restructured during the year Disbursements in Restructured Accounts Sub Total Less- Accounts Upgraded by special provision/ accounts closed & recoveries Accounts slipped to NPAs during the Period Restructured Closing Balance

33 Sl. No 1 Sector Total Restructured Accounts and Amount As on As on No. of Accts Amount in Crs ( Amount in Rs crore) No. of Accts Amount in Crs Out of which i) Micro, Small and Medium Enterprises ii) Housing Loans Restructured iii) Agricultural Loans iv) Other Retail Credit(Educational Loans, Mortgage Loans etc) v) Major Industries Restructured

34 ( Amount in Rs crore) Sector MSME & Major Industries (Of which) a. Textiles b. Engineering c. Sugar d. Iron & Steel e. Contractors Sub Total h. Infrastructure Of which i) Power ii) Educational Institutions iii) Roadways iv) Telecom v) others infra i. Others TOTAL

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