1

Sl.
No.
1
2
3
4
5
6
7
8
9
10
11

Areas of Presentation

Slide No

Highlights
Business Cross Section
Domestic CASA
Domestic Advances
Retail Credit Components

3
4
5
6
7

Industry & NBFC Exposure

Restructured Advances,
Stressed Asset Ratio &
Movement in Restructure Adv.
Non Performing Assets (NPA)
NII, Operating Profit & Net
Profit
Financial
Highlights
Quarterly
Provisions Quarterly

8
9-10
11-13
15

16-19
20

Sl.
No.
12
13
14
15
16
17

Areas of Presentation

Key Parameters Quarterly

Gross Investments

Capital Adequacy
(Basel III)

Ratio

Earnings Per share, Book

Value Per Share & Share
Holdings Pattern

Slide No
21
22
23
24

Equity Value

25

Branch Network

26

HIGHLIGHTS OF WORKING RESULTS

Business

Global
Global
Business
4,68,764
Crore
Business
at at
468,184
Crores
Savings
Savings
Deposits
grew
by 10% (Y-o-Y)
Deposits
grew
by 12%

Income

Non - Interest Income increased by 11% (Y-o-Y)

Advances
Capital
Quarterly
Margin

R A M (Retail, Agriculture and MSME) grew by 15%

Priority Sector Credit grew by 12%
(Y-o-Y)

CRAR (Basel III) at 11.00%

Domestic NIM : 2.51%
Global NIM
: 2.22%

Business Cross Section

GLOBAL

Jun., 2015

472422 468185 468764

Mar., 2016

269495 261736 263915

Business

Deposits

Domestic Advances

(300)

5,322

GLOBAL BUSINESS
Growth Y-O-Y
Particulars
Amount
%

Jun., 2016

202927 206449 204849

Advances

DOMESTIC BUSINESS
Growth Y-O-Y
Particulars
Amount
%
Domestic Business
5,022
1.25
Domestic Deposits

Global Business

Global Deposits

Global Advances

1,922

0.95

DOMESTIC

402077 403314 407099

239640

Business

(0.77)

(5,580)

Jun., 2015
235162

Mar., 2016

239340

(0.13)
3.28

(3,658)

Deposits

(2.07)

Jun., 2016

162437 168152 167759

Advances

Domestic CASA
65,379 67,925 62,889

47,394
17,985 15,877
Total CASA

Jun., 2015

Mar., 2016

Current Deposits
Savings Bank

CASA Deposits

Domestic CASA Deposits %

% of Bulk Deposits

Cost of Deposits %
(Domestic) Quarterly
7.43

7.24

10,627

Current

Particulars

52,048 52,262

Savings

Jun., 2016

Jun., 15

Sep., 15

Jun., 2015

Mar., 2016

Jun., 2016

65,379

67,925

62,889

17,985
47,394

27.28%
9.53%

15,877
52,048

28.88%
8.96%

10,627
52,262

26.28%
4.18%

6.85

6.50

6.57

Dec., 15 Mar., 16 Jun., 16

Y-o-Y
Growth
(7,358)
4,868
(2490)

(41)
10
(4)

Domestic Advances
Particulars
Domestic
Advances (Gross)

Jun,
2015

1,62,437 1,68,152

R A M Category Advances

Retail Credit

Agriculture Credit
MSME Credit
Total R A M

Mar,
2016

23,218
(14%)
25,713
(16%)
24,073
(15%)
73,004
(45%)

26,529
(16%)
29,899
(18%)
27,333
(16%)
83,761
(50%)

% age expressed on Gross Domestic Advances

Jun,
2016

1,67,759
26,966
(16%)
29,712
(18%)
27,389
(16%)
84,067
(50%)

Y-o-Y Growth
Amt

Amt

(393)

3,748

16

437

3,999

16

(187)

(1)

3,316

14

56

11,063

15

396

5,522

Growth over
Mar., 2016
-

Retail Credit Components

Housing Loans

12,570

12,912

13,485

14,601

14,174

2,143

Vehicle Loans

2,379

2,767

2,638

Y-o-Y
30%

Y-o-Y
16%
Jun., 15

Sep., 15

Dec., 15

Education Loans
2,773

2,856

2,898

2,788

2,858 2,877

Y-o-Y
4%
Jun., 15 Sep., 15 Dec., 15 Mar., 16 Jun., 16

Mar., 16

Jun., 15

Jun., 16
Mortagage Loans

3,497
1,205
Jun., 15

3,543
1,606
Sep., 15

Sep., 15

Other Retail Advances

3,594

3,654

3,876

1,874

2,134

1,907

Dec., 15 Mar., 16 Jun., 16

Dec., 15

Mar., 16

Jun., 16

Gold Loan (Non Priority)

1,030

1,064

1,014

Y-o-Y
11%

942

917

Jun., 15 Sep., 15 Dec., 15 Mar., 16 Jun., 16

Industry and NBFC Exposure

Particulars
(Global)

Iron & Steel

Cement
Textiles
Aviation- Services
Power

State Owned

Private Owned

Roads & Ports

Aviation

Telecom

Infrastructure

NBFC

TOTAL

Y-o-Y growth
Amt
%
(972)
(12)

Jun,
2015
8,263

Mar,
2016
7,143

Jun,
2016
7,291

(June, 2016)

2,987

2,746

2,741

447

(246)

17,281

16,653

16,105

360

(1,176)

5,285

6,037

5,910

360

625

305

17

794
872

11,996

805
859

10,195

3,849

3,527

308

317

25,612
(13%)
22,780
(11%)
48,392
(24%)

843

10,615

3,820
4,194

805

4,511

25,321
(12%)
23,113
(11%)
48,434
(23%)

% age expressed on Gross Global Advances

4,471

24,408
(12%)
21,341
(10%)
45,749
(22%)

NPA LEVEL

4,605
2
-

11

(29)

(8)

% Change
Mar-16

(3)

(7)

(2)

(3)

(1,801)

(15)

898

(293)

(8)

(8)

186

277

(1)

(12)

12

(4)

(4)

(2)

(1)

1,461

(1,204)

(5)

(4)

1,461

(2,643)

(5)

(6)

(1,439)

(6)

(8)

Restructured Advances
CDR

NON-CDR

TOTAL

No.: of Accounts

Amount

No.: of Accounts

Amount
No.: of Accounts

Amount

30th Jun.,
2015

31st Mar.,
2016

30th Jun.,
2016

2,588

2,732

2,676

95,683

1,01,592

1,10,646

7,783

5,654

5,487

95,719

1,01,625

1,10,680

10,371

8,386

8,163

36

33

34

Restructured Advances
Advances Restructured during
Quarter

Restructured Advances

Stressed Asset Ratio

Restructured (STD) Ratio

Gross NPA Ratio

Quarterly

June, 2015

Mar., 2016

209

Movement of Restructured Advances during

the Quarter
Opening Balance
Fresh Restructuring
Increase in Existing Restructure
Restructured Standard Advances upgraded to
full Standard advances
Decrease in O/S + Closures
Closing Balance
Particulars

10

June, 2016

228

319

Jun-15
10,767
209
460

Quarterly
Mar-16
10,682
228
420

Jun-16
8,386
319
352

(173)
10,371

(1,894)
8,386

(810)
8,163

(892)

(1,050)

(84)

Jun.,
2015

Sep.,
2015

Dec., 2015

Mar., 2016

Jun.,
2016

4.17

4.03

3.77

2.41

2.27

7.89
3.72

7.75
3.72

8.38
4.61

9.11
6.70

9.80
7.53

Non Performing Assets

4,721

Sep., 2015
Dec., 2015
Net NPA
6.70

3.72

2.36

Jun., 2015

4.48
Mar., 2016

Gross NPA %

7.53

5.04
Jun., 2016

Net NPA %

Mar., 2016
Gross NPA
63.24

15,434
10,051

9,015

6,210

4,855

Jun., 2015

13,832

9,603

7,734

7,546

11

53.73

Jun., 2016

52.67

Jun., 2015 Mar., 2016 Jun., 2016

Provision Coverage Ratio (PCR)

12

Particulars
A. Gross NPA at the
Beginning
B. Deduction:
(i) Up gradation & Decrease
due to Operations
(ii) Recoveries
(iii) Write off (incl.
Prudential)
TOTAL
C. Additions:
(i) Fresh NPA
TOTAL
Gross NPA at the End (A-B+C)

Yearly

FY 2015-16

Jun.,
2015

Quarterly
Mar.,
2016

Jun.,
2016

6,442

6,442

9,603

13,832

2,120

395

311

310

1,430

311

997

231

1,260
4,810
12,200
12,200
13,832

260
966

2,070
2,070
7,546

389

205

1,697

746

5,926
5,926
13,832

2,348
2,348
15,434

Sector wise NPAs (Domestic)

13

Y-o-Y

Jun., 2015

Mar., 2016

Jun., 2016

Agriculture

1,385

1,536

1,863

Total

6,678

11,974

13,475

6,797

Non Priority

3,580

8,592

9,244

5,664

Particulars

Industries
Services
Retail
Priority
Total

2,622
1,305
1,366
3,098

6,678

7,453
1,439
1,546
3,382

11,974

8,143
1,828
1,641
4,231

13,475

Amount

478

5,521
523
275
1,133

6,797

14

Net Interest Income (NII)

5,540

2013-14

5,520

2014-15

1,412

1,517

Operating Profit

5,985

3,563

2015-16

Net Interest Income (NII)

1,595

Yearly Performance

1,462 1,480

Jun.' 15 Sep.' 15 Dec.' 15 Mar.' 16 Jun.' 16

2013-14

4,007

2014-15

15

2013-14

4,210 *

1,711

1,040

Operating Profit
929

2014-15
1,523

1,015*

784

2015-16

(1,643)

2015-16

Quarterly Performance
1,225

Net Profit

Net Profit

Jun.' 15 Sep.' 15 Dec.' 15 Mar.' 16 Jun.' 16

302

Jun.' 15 Sep.' 15 Dec.' 15 Mar.' 16 Jun.' 16

* Includes provision created in respect of Fraud Accounts identified during the March-2016 quarter

332

79

(119)
(2,158)

FINANCIAL HIGHLIGHTS - Quarterly

Particulars

Interest Income
Interest
Expended
Net Interest Income
(NII)

Other Income
Operating
Expenses
Operating Profit
Provisions
Exceptional
Items*
Net Profit

Jun.,
2015

Mar.,
2016

Jun.,
2016

Y-o-Y
(%)

Change (%)
Mar., 2016

Mar., 2016
Full Year

4,385

(1)

17,213

555

(32)

784
705

(25)
(4)
-

(23)
(69)

(100)

4,210
4970

79

(74)

(104)

(1643)

5,823

5,682

5,864

1,412

1,462

1,479

894

1,268

1,250

883*

4,411
522

4,220
821

1,040
738

1,015
2,290

302

(2,158)

40

(1)

*Exceptional Items include provision created in respect of Fraud Accounts identified during the quarter

23,198
5,985
2,509
4,284

883

16

INTEREST ANALYSIS - Quarterly

Particulars

Interest Income on Advances

Interest Income on
Investments
Interest on Call Money
Lending / Repo/ Others

Jun.,
2015

Mar.,
2016

Jun.,
2016

4,357

4,249

4,330

120

84

175

1,346

1,349

1,359

Other Interest Expenditure

5,823
4,144
99
168

5,682
3,831
131
258

5,865
4,058
157
170

Net Interest Income (NII)

1,412

1,462

1,479

TOTAL INTEREST INCOME

Interest Paid on Deposits
Interest on Bonds
TOTAL INTEREST
EXPENDITURE

4,411

4,220

4,385

17

Y-o-Y
Change over
Change (%) Mar., 2016 (%)

(1)

46

108

1
(2)
59
1

3
6
20
(34)

(1)

OTHER INCOME Quarterly

Particulars

Jun.,
2015

Mar.,
2016

Jun.,
2016

Commission & Brokerage

160

221

165

Recovery in Written Off

A/cs

73

123

361

Net Profit from FX

Transactions

Miscellaneous Income
Total (Excl. Trading
Profit)
Net Profit on Sale of
Investments
GRAND TOTAL

18

Y-o-Y
Change over
Change (%) Mar., 2016 (%)
3

(25)

59

(19)

(52)

161

491

330

339
216

(6)

34

(31)

522

821

555

37
91

38

109

50
65

35

(29)

32

(40)

(35)

(32)

Operating Expenditure - Quarterly

Particulars

Staff Expenses
Rent, Taxes & Lighting
Depreciation on Fixed
Assets
Repairs & Maintenance
Insurance & Guarantee
Fee
#
Other Expenditure
SUB TOTAL
Exceptional Items*
TOTAL

19

Jun.,
2015

Mar.,
2016

Jun.,
2016

42

60

51

21

(15)

50

554
68

820
78

27

39

157
894
894

223
1,268
883
2,151

46

48

833
79
30

207
1,250
1,250

Y-o-Y
Change over
Change (%) Mar., 2016 (%)
50
16
11
32
40
40

* Includes provision created in respect of Fraud Accounts identified during the March-2016 quarter
# Includes Pigmy Agents Commission, Travel, Card Expenses and Contingencies

2
1

(23)

(7)
(1)
(42)

Provisions & Contingencies Quarterly

Particulars
Provision for NPA
Bad Debts Written Off
Provision for Income Tax
Deferred Tax Asset (DTA)
/ Liability DTL
Standard Assets
Restructured Assets

Depreciation on Investments
Staff Welfare Fund
Leave Encashment
Others
TOTAL

20

Jun.,
2015

Mar.,
2016

Jun.,
2016

Y-o-Y
Change (%)

Change over
Mar., 2016 (%)

109

(219)

(100)

(100)

519
9
148

25
(130)
26

5
15
12
738

1,826
38
98

773
13
31

49
44
(79)

(58)
(66)
(68)

348
(46)

(142)
(79)

(668)
(39)

(141)
72

5
29
49
2,290

5
9
36
705

(40)
200
(4)

(69)
(27)
(69)

162

59

127

(64)

KEY PARAMETERS Quarterly (Global) Values in %

Parameters

Cost of Deposits

Yield on Advances

Jun.,
2015

Sept.,
2015

Dec.,
2015

Mar.,
2016

Jun.,
2016

8.95

9.02

8.44

8.20

8.52

6.66

6.45

6.10

5.94

6.07

Cost of Funds

6.11

6.03

5.67

5.65

5.68

Return on Assets

0.42

8.17

0.45

8.07

(0.16)

(2.89)
8.05

0.10

8.03

2.21

2.46

2.32

2.14

2.22

Yield on Funds

Yield on Investments

8.07

NET INTEREST MARGIN (NIM)

Global

Domestic

2.56

8.18

2.88

7.75

8.06

2.74

7.60

2.50

7.60

2.51

21

Gross Investments
68,422
2,740

24,253
41,429
Jun., 15

8.17

Jun., 2015

67,499
70

22,063

22

66,997

255

18,224

69,061

75

18,203

45,366

48,518

50,783

Sep., 15

Dec., 15

Mar., 16

Yield on Investments (Quarterly)

8.07

Sep., 2015

8.06

Dec., 2015

8.05

Mar., 2016

70,145
35

28,250
41,860
Jun., 16

8.03

Jun., 2016

HFT
AFS

HTM

Capital Adequacy Ratio - Basel III

Tier I

10.17

7.50
2.67

Jun., 2015

10.46

7.26

10.91
7.26

CRAR
11.16

7.75

11.00

7.69

3.20

3.65

3.41

3.31

Sep., 2015

Dec., 2015

Mar., 2016

Jun., 2016

Particulars

Regulatory Total Capital

Risk Weighted Assets

CRAR

Tier II

(Values in % )

Jun.,
2015

Sep.,
2015

Dec.,
2015

Mar.,
2016

Jun.,
2016

17,064

18,120

18,888

19,314

19,189

1,67,836

1,73,234

1,73,133

1,73,071

1,74,472

10.17%

10.46%

10.91%

11.16%

11.00%

23

Earnings Per Share

(Annualized)

18.24

EQUITY HOLDING PATTERN

As on 30-06-2016
Govt. of India
69.32%

3.96
Jun., 2015

Jun., 2016

Book Value Per Share

202.30

Jun., 2015

164.49
Jun., 2016

Insurance
Cos.
13.24%

Others
10.30%

FIIs & FPIs

5.55%

Bodies
Corporate
1.37%

Banks & FIs

0.19%

Mutual Fund
& UTI
0.03%

24

EQUITY VALUE
Particulars

25

Jun,
2015

Sep.,
2015

Dec.,
2015

Mar.,
2016

Jun.,
2016

Earnings Per Share

18.24

19.16

10.37

(24.82)

Book Value Per Share

202.30

207.18

205.13

175.41

164.49

9.85

10.22

5.56

(14.44)

2.88

662.06

662.06

662.06

703.37

6,505.13

5,459.01

5,809.92

Return on Equity (%)

No. of Shares ( in Crore)

Share Capital

Market Capitalization

66.21

66.21

66.21

70.34

3.96

79.85

789.49

4,758.50 5,813.07

BRANCH NETWORK

26

26

Branches opened during Q1

(2016-17)
Villages
covered
under FI
Scheme
6,950

Branches opened during Q1

(2015-16)

Satellite
Offices
38

684

786

936

1,152

689

Metro
Urban

Semi-Urban
Rural

827

1,033

1,242

27