Presentation

on Performance during
Q3 (2010 11)

Highlights

Balance Sheet

Business stands at ` 2.85 lakh Crore

Balance sheet size at ` 2.21 lakh Crore
Deposits at ` 1,50,239 Crore; growth 5.21%
CASA at 15.05% of total deposits
Advances at ` 1,34,491 Crore; growth 21%
Business per Employee ` 20.37 Crore
Profit per Employee ` 3.39 lakh (For the quarter)
2

Highlights

Profitability

NII Q3 FY 11 at ` 1204 Crore (Q3 FY 10 ` 717 Crore)

NII Q3 FY 11 up by 68%
Fee based income for Q3 FY 11 up by 2.53% to ` 359 Crore

(Q3 FY 10 ` 350 Crore)

PAT Q3 FY 11 ` 454 Crore (Q3 FY 10 ` 287 Crore)

PAT for Q3 FY 11 up by 58%

Highlights
Balance sheet growth at 9%

Others

Total business [Dep. + Adv.] grew by 12% to ` 2,84,729

Crore
CRAR 14.10% (FY 10 11.54%)

- Tier I : 8.84% <> Tier II: 5.26%

Branches increased to 771
ATMs increased to 1319
4

Profit & Loss Account

(` in Crore)

Particulars
Interest income
Interest expenses
Net Interest income
Other Income
Total income
Operating Expenses
- Employee Cost
- Other Operating Expenses
Operating Profit
Provisions & contingencies
- NPAs / Write offs
- Restructured Assets
- Others (Invt., Std Asset, etc)
- Tax
- Deferred Tax
Profit After Tax

Quarter Ended
Nine Months Ended Year Ended
Dec.10
Dec.09
Dec.10
Dec.09
Mar.10
4712
4006
13576
11178
15261
3508
3289
10355
9684
13005
1204
717
3220
1494
2256
447
427
1408
1757
2302
1651
1144
4628
3251
4558
517
504
1637
1218
1831
166
197
742
488
773
351
308
896
730
1058
1135
640
2991
2033
2726
680
353
1857
1320
1695
490
171
1124
325
723
66
22
115
553
599
96
53
355
262
360
307
107
568
181
346
-278
0
-306
0
-333
454
287
1134
713
1031

Details of Other Income

(` in Crore)

Particulars
Commission, Excg & Brkg
Profit on sale of investments
Profit/(Loss) on revaluation of investment
Profit on sale of Fixed Assets
Profit on forex/derivatives
Dividend from subsidiaries
Recovery from written off cases
Other misc income
Total *
* Fee Based Income

Quarter Ended Nine Months Ended Year Ended

Dec.10 Dec.09 Dec.10 Dec.09
Mar.10
292
298
1008
858
1225
65
48
95
681
748
-12
-13
-24
-43
-52
0
-1
-1
-1
-1
46
32
133
72
98
0
0
33
18
18
22
32
71
84
121
34
31
92
88
144
447
427
1408
1757
2302
359

350

1219

991

1435
6

Details of Operating Expenses

(` in Crore)

Particulars
Staff Cost
Rent, taxes & lighting
Printing & stationery
Advertisement & Publicity
Depreciation
Postage, Telegram, Teleph., etc
Repairs and maintenance
Insurance
Banking expenses
Expenses for recovery of write off cases
Outsourcing expenses
Fee and other expenses for borrowing
Other expenditure
TOTAL

Quarter Ended Nine Months Ended Year Ended

Dec.10 Dec.09 Dec.10
Dec.09
Mar.10
166
197
742
488
773
59
45
150
116
178
11
8
25
21
29
14
24
38
38
46
48
20
98
59
91
18
15
38
41
64
30
21
76
60
84
36
31
116
84
114
14
10
40
33
47
1
1
4
3
4
49
45
129
98
153
6
46
21
56
74
65
41
160
120
173
517
504
1637
1218
1831

7
7

Key Profitability Indicators

Particulars
Net Interest Margin (%)
Return on Assets (%)
Return on Equity (%)
Cost of all liabilities (%)
Yield on Total Assets (%)
Margin (%)
Cost of Funds (%)
Return on Earning Assets (%)
Spread (%)
Low cost funds to Total Funds (%)
Net NPA Ratio (%)

Quarter Ended
Dec.10 Dec.09
2.28%
1.58%
0.83%
0.57%
14.87% 14.38%
6.40%
6.57%
9.41%
8.86%
3.01%
2.29%
7.11%
7.36%
9.69%
9.04%
2.58%
1.68%
15.05% 13.11%
1.20%
1.40%

Nine Months Ended Year Ended

Dec.10
Dec.09
Mar.10
2.11%
1.16%
1.27%
0.68%
0.51%
0.53%
14.30%
12.30%
13.14%
6.20%
6.87%
6.69%
8.97%
9.17%
9.03%
2.77%
2.31%
2.34%
6.82%
7.54%
7.35%
9.23%
9.42%
9.29%
2.41%
1.89%
1.94%
15.05%
13.11%
14.59%
1.20%
1.40%
1.02%

Key Operating Indicators

Particulars
Non-interest income to Total Income
Efficiency [Cost- Net Income] Ratio
Staff Expenses to total income
Staff Expenses to total expenses
Overhead efficiency ratio

Quarter Ended Nine Months Ended Year Ended

Dec.10 Dec.09 Dec.10 Dec.09 Mar.10
8.67% 9.64% 9.40% 13.58% 13.11%
31.29% 44.05% 35.38% 37.47% 40.18%
3.21% 4.35% 4.95% 3.69%
4.31%
4.12% 5.09% 6.18% 4.37%
5.10%
86.55% 198.66% 85.99% 144.25% 125.68%

Balance Sheet
(` in Crore)

As at
LIABILITIES
Capital
Reserve & Surplus
[Net Worth]
Deposits
Borrowings
Other Liabilities & provisions
Total
ASSETS
Cash & balance with RBI
Bal. with banks & money at call
Investments
Advances
Fixed Assets [incl leased assets]
Other Assets
Total

31-Dec-10

31-Dec-09

985
13403
12452
150239
49612
6860
221098

725
9379
8127
142798
43396
7014
203311

11211
1649
66123
134491
3036
4588
221098

8899
4423
71488
111278
2980
4242
203311

10

Balance Sheet Ratios

(` in Crore)

Total Business [Dep. + Adv.]

Net NPAs to Net Advances
SB Deposits to Total Deposits
Current Account Deposits to Total Deposits
Time Deposits to Total Deposits
Book Value - `
Total Off B/Sheet item to Total Assets
Owned Funds to total outside liabilities
Tier One Capital
Tier Two Capital
Total Capital
Total Risk Weighted Assets
Total Risk Weighted Assets to Total Assets
CRAR (Total)
CRAR - Tier I
CRAR - Tier II

31-Dec-10
284729
1.20%
7.71%
7.34%
84.95%
126.48
59.97%
6.23%
14931
8874
23805
168873
76.38%
14.10%
8.84%
5.26%

31-Dec-09
254075
1.40%
5.43%
7.67%
86.89%
112.12
58.98%
4.36%
10514
7877
18391
159303
78.35%
11.54%
6.60%
4.94%
11

Asset Quality

NPAs
As at 31-Dec-2010
Gross Advances
Gross NPAs
Gross NPAs as % of Gross Advances
Total Provisions held
Net Advances
Net NPAs
Net NPAs as % of Net Advances
Provision Coverage Ratio
Provision Coverage Ratio as per RBI Guidelines

(` in Crore)

135902
3021
2.22
1411
134491
1610
1.20
46.71
75.61

12

Capital Position
16%
14%
12%
14.10%

10%

11.31%

5.26%

5.07%

6.24%

2%

6.60%

4%

4.94%

8.84%

6%

11.54%

8%

0%
31-Dec-09

Tier I Capital
6.60%

Tier II Capital
4.94%

Total CAR
11.54%

31-Mar-10

6.24%

5.07%

11.31%

31-Dec-10

8.84%

5.26%

14.10%

13

Thank You

14