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Andhra Bank Welcomes to the press meet
ANDHRA BANK
PROFILE/ PERFORMANCE
HIGHLIGHTS
2005-06
ANDHRA BANK
- the driving force
behind our performance
Brief Profile
• Established by a Freedom Fighter – Dr Bhogaraju Pattabhi Sitaramayya.
• Established on November 20th 1923• Nationalized on 15th April 1980• Total Business Delivery Channels – 1764• Total Business Rs.56,000 Crores• Sponsored two Regional Rural Banks• Dividends Declared – 14%, 24%, 28%, 30%
and 35% during the last five years
Andhra Bank
Performance Highlights for FY 2006
• Total Business crossed Rs.56000 crores.• Distributable Profit increased by 42.22%.
(From Rs.256.03 cr in 2005 to Rs.364.12 cr in 2006)
• Annualized yield works out to FPO Equity Holders at 26.78%.
• Low NPA levels – Gross NPAs @ 1.94% & Net NPAs @ 0.24%.
Andhra Bank
Business channels
Andhra Bank
As on Branches ECs Satellite Offices
ATMs Total
31.03.03 1100 113 44 220 1477
31.03.04 1128 129 44 272 1573
31.03.05 1168 136 38 330 1672
31.03.06 1213 123 37 391 1764
Bank has presence in 21 States and 2 Union Territories.
Business LevelsAndhra Bank
Details31.03.05
Amount (Rs. in cr)
31.03.06Amount (Rs. in cr)
Deposits 27551 33922
Advances (GBC) 17910 22484
Investments 10646 11444
C / D Ratio(%) 65.18 66. 69
Total Interest Income 2273 2674
Net Interest Income 1069 1169
Core Operating Profit
(excluding Profit on sale of Investments)
607 698
Operating Profit 993 769
Core Net Profit (excluding profit on sale of Investments)
135 415
Net Profit 520 486
DEPOSITS – Composition (Rs. in Crores)
Type of Deposit 31.3.2005 31.03.2006
Current Deposits 2558.29 3084.82
Growth (%) 15.29 20.58
Savings Deposits 7400.77 9232.39
Growth (%) 16.58 24.75
Term Deposits 17591.65 21605.20
Growth (%) 22.39 22.82
Total Deposits 27550.71 33922.41
Growth (%) 20.10 23.13
Andhra Bank
SECTOR 31.03.05 31.03.06 Growth (%)
Gross Bank Credit 17910 22484 25.54
Non - Food Credit 17110 21733 27.02
- Medium & Large Inds., 4958 6412 29.33
- Priority Sector 7331 8627 17.68
-Agriculture 3078 4064 32.03
- SME Sector 1922 2439 26.90
- Retail Credit 3715 5050 35.94
- Housing Loans 1878 2436 29.71
- Educational Loans 513 677 31.97
ADVANCES – SECTOR WISE EXPOSUREAndhra Bank
(Rs. in crores)
INVESTMENTS – COMPOSITION
Type of Investments 31.03.05 31.03.06
Government Securities 8777.55 9749.27
Percentage Govt. Sec. to Investments 82.45 85.19
Other Approved Securities 152.99 153.14
Shares 243.64 133.98
Debentures and Bonds 1168.31 924.71
Subsidiaries and/ or Joint Ventures 9.31 9.31
Others 294.48 473.74
Total Investments 10646.28 11444.15
Andhra Bank
(In Rs crores)
PARAMETER 31.03.05 31.03.06
GROSS BANK CREDIT 17910 22484
GROSS NPAs 440.93 436.91
% OF GROSS NPAs 2.46 1.94
NET NPAs 48.97 52.46
% OF NET NPAs 0.28 0.24
ASSET QUALITYRs. in Cr.
Andhra Bank
CAPITAL STRUCTURE
PARAMETER 31.03.05 31.03.06
TIER-I CAPITAL 1519 2872
TIER-II CAPITAL 773 424
TOTAL CAPITAL 2292 3296
% OF TIER-I
TO TOTAL CAPITAL66.28 87.15
INTELLECTUAL CAPITAL
( STAFF STRENGTH IN NUMBER)13107 13169
Andhra Bank
(In Rs. Crores)
Andhra Bank FINANCIAL PERFORMANCEKey Ratios and Indicators at a Glance
Ratios (Figures in %) FY 2005 FY 2006
Cost of Deposits 4.86 4.86
Cost of Funds 4.27 4.28
Yield on Advances 9.43 9.26
Yield on Investments 8.14 7.29
Yield on Funds 8.06 7.60
Net Yield on Funds 3.79 3.32
Earning per Share (annualised) 13.00 11.78
Book Value per Share 45.93 59.67
Staff Cost to Average working funds 1.91 1.40
Other Operating Expenses to AWF 1.03 1.04
Business per employee (Rs. In Cr) 3.46 4.27
Business per Branch (Rs. In Cr) 38.86 46.33
Technology Initiatives
100% Branches Computerized. No. of ATM/Debit Cards stood at 1.83 million against
1.29 million in the previous year. ATM Network shared with IDBI Bank, UTI Bank,
Indian Bank, HDFC Bank, SBI Group etc. Total ATM distributory channels 14400. Mobile banking - branches connected 453 and
registered users 4175. 10000 Business units covered under cluster based
core banking solution. It covers 92.58% of business.
Andhra Bank
Technology Initiatives (contd.)
AB Kisan Vikas ATM card introduced for easy access to money to Farming community.
Mobile ATM first of its kind launched to enhance the reach of the bank to unbanked areas.
Shortly introducing - Internet Payment Gateway and Internet Banking.
Andhra Bank
Andhra Bank
Value Added Services
Insurance linked savings deposits – Abhaya, Abhaya Gold, Jeevan Abhaya, Jeevan Prakash, Jeevan Prakash plus, Arogyadaan, AB Flex etc. offered.
Bancassurance – Tied up with LIC and United Insurance companies for sale of Life and non-life products.
Associated for sale of Mutual Fund products with major companies.
Introduced Depository participatory services. Cash Management Service covered 84
customers in 123 branches. Turnover for the year crossed Rs.1147 Crore.
Andhra Bank
Value Added Services (Contd..)
* Introduced 8 a.m. to 8 p.m. and 7 day Banking in select branches to extend the Service hours to clientele.* Opened a Representative Office in Dubai to coordinate with NRIs for increasing our NRI customer base.* Imparting training to Agriculturists, Rural Un-
employed youth on vocational courses by our 9 Rural Development Institutes
Andhra Bank
Andhra Bank
ISO 9001:2000 CERTIFICATE
ISO 9001:2000 Certification has been awarded to two of our offices
- STAFF COLLEGE
- DATA CENTRE at Department of
Information Technology
--
Andhra Bank
Ranked 683rd among Top 1000 Banks in the World for 2005 by “The Banker”a London Based publication.
Ranked as Number 1 in Asia under the “Return on Capital”for 2005 by “The Banker”.
Adjudged as the Best Bank under Large Banks category by “The Analyst” an ICFAI publication.
Assigned CGR – 2 by ICRA for Corporate Governance.
Awards received by the BankAndhra Bank
Awards received by the Bank (Contd.)
Awarded Silver Shield for excellence in financial reporting for 2005 by ICAI.
Runner up award under best payment initiative by IBA for 2005.
FINTECH Asia 2006 Award for Any Branch Banking (ABB).
Andhra Bank
ANDHRA BANK
MAKING A DIFFERENCE
WITH PEOPLE, IDEAS AND
SOLUTIONS.
COMMITMENTS TO
VALUES FULFILLED
THANK YOU
