Presentation for the Quarter ended 30th September, 2016 · 5 147.73% Non-Interest Income 37.84% Cost to Income 67.03% Operating Profit 6.21% Cost of Deposit

Presentation for the Quarter ended 30th September, 2016

1

2

Held by Dec

2015

Mar

2016

Dec

2016

Govt. of India 59.13% 55.17% 58.38%

FPIs & NRIs 10.26% 9.12% 6.79%

Banks/Financial Institutions and Insurance Cos.

10.40% 16.42% 15.27%

Mutual Funds/ UTI & Trusts

10.33% 7.49% 6.56%

Others 9.88% 11.80% 13.00%

58.38%

6.79%

15.27%

6.56%

13.00%

Govt.of India FPIs/NRIs

Banks/FIs/Insurance. cos. Mutual Funds/ UTI & Trusts

Others

3

Category of branch

31.12.2015 31.12.2016

No. of branches

No. of ATMs

No. of branches

No. of ATMs

Metro 497 623 589 745

Urban 596 701 599 682

Semi-Urban 635 668 616 633

Rural 623 600 549 538

TOTAL 2351 2592 2353 2598

Metro 25.03%

Urban 25.46%

Semi-Urban 26.18%

Rural 23.33%

Metro Urban Semi-Urban Rural

BRANCH NETWORK

As on 31.12.2016

4

33.18% CASA growth

24.69% SB Dep / Total Dep

9.03% Retail TD

30.80% Avg SB Dep growth

5

147.73%

Non-Interest Income

37.84%

Cost to Income 67.03%

Operating Profit

6.21%

Cost of Deposit

6

Q3 Dec-15 Q4 Mar-16 Q1 Jun-16 Q2 Sep-16 Q3 Dec-16

766.36 878.73 917.09 955.84

1280.06

7

Parameters Dec-15 Mar-16 Dec-16 Y-o-Y

Growth

Current 13,144 12,821 15,917 21.09%

Savings 37,860 39,869 52,010 37.37%

CASA 51,004 52,690 67,927 33.18%

Average CASA for the quarter 45,266 47,064 59,310 31.03%

CASA % to Total Deposits 24.70% 25.22% 32.25% 755 bps

Retail Term Deposits (below ` 1 Cr.) 82,605 84,811 90,065 9.03%

0

10000

20000

30000

40000

50000

60000

70000

80000

90000

100000

Dec-15 Mar-16 Dec-16

13144 12821 15917

37860 39869 52010 51004 52690

67927

82605 84811 90065

CA SB CASA RTD CA SB CASA RTD CA SB CASA RTD

(` in Crore)

8

S. No

PARTICULARS Dec 15 (BASEL III)

Sept16 (BASEL III)

Dec16 (BASEL III)

CAPITAL FUND:-

1 CET - I 12911 14400 14390

2 Tier I 13946 16862 16714

3 Tier II 5062 5113 5009

4 Total (Tier I + Tier II) 19008 21975 21723

5 Risk-weighted Assets 170692 164636 165057

6 Capital Adequacy ratio (%) 11.14% 13.36% 13.16%

7 CET – I (%) 7.56% 8.75% 8.72%

8 Tier I (%) 8.17% 10.25% 10.13%

9 Tier II (%) 2.97% 3.11% 3.03%

(` in Crore)

9

S. NO. PARAMETERS Dec-15 Sep-16 Dec-16 Var.

Y-o-Y

1 Deposit 206471 201538 210657 2.03%

2 Advances 152512 148666 148446 -2.67%

3 Total Business 358983 350204 359103 0.03%

4 CD Ratio 73.89% 73.81% 70.52% -337 bps

(` in Crore)

10

S. NO.

PARAMETERS Dec-15

Q3

Sep-16

Q2

Dec-16

Q3

Variation

Y-o-Y Q3(16-17)<>

Q2(16-17)

1 INTEREST ON ADVANCES/BILLS 3662.95 3355.95 3031.53 -17.24% -9.67%

2 INTEREST ON INVESTMENTS 1199.76 1231.74 1266.23 5.54% 2.80%

3 OTHER INTEREST INCOME 93.25 107.59 140.86 51.06% 30.92%

4 TOTAL INTEREST INCOME (1+2+3) 4955.96 4695.28 4438.62 -10.44% -5.47%

5 COMM. EXCHG. & BROKERAGE 205.56 196.26 227.86 10.85% 16.10%

6 TRADING PROFIT FROM TREASURY

118.20 333.88 702.49 494.32% 110.40%

7 OTHER INCOME 70.76 53.28 47.00 -33.58% -11.79%

8 NON INTEREST INCOME (5+6+7) 394.52 583.42 977.35 147.73% 67.52%

9 TOTAL INCOME (4+8) 5350.48 5278.70 5415.97 1.22% 2.60%

(` in Crore)

11

S. NO.

Parameters Dec-15

Q3

Sep-16

Q2

Dec-16

Q3

Variation Y-o-Y

Variation

Q3(16-17)<>

Q2(16-17)

1 Credit Related Income 138.33 140.91 148.48 7.34% 5.37%

2 Other Commission, Exchange & Brokerage

67.23 55.35 79.38 18.07% 43.41%

3 Treasury 118.20 333.88 702.49 494.32% 110.40%

4 Profit on Exchange Transactions 23.05 20.65 14.38 -37.61% -30.36%

5 Recovery in Bad Debt Written Off accounts

45.65 32.03 31.00 -32.09% -3.22%

6 Others 2.06 0.60 1.62 -21.36% 170.00%

7 Total Non Interest Income 394.52 583.42 977.35 147.73% 67.52%

(` in Crore)

12

S. NO.

PARAMETERS Dec-15

Q3

Sep-16

Q2

Dec-16

Q3

Variation Y-o-Y

Variation

Q3(16-17)<>

Q2(16-17)

1 INTT PAID ON DEPOSITS 3480.10 3209.74 3153.61 -9.38% -1.75%

2 INTT PAID ON BONDS 144.61 156.50 189.25 30.87% 20.93%

3 OTHERS 21.93 13.41 13.75 -37.30% 2.54%

4 TOTAL INTEREST PAID (1+2+3) 3646.64 3379.65 3356.61 -7.95% -0.68%

5 ESTABLISHMENT EXPENSES 576.51 561.67 575.93 -0.10% 2.54%

6 OTHER OPERATING EXPENSES 360.97 381.54 203.36 -43.66% -46.70%

7 TOTAL OPERATING EXPENSES (5+6)

937.48 943.21 779.29 -16.87% -17.38%

8 TOTAL EXPENSES (4+7) 4584.12 4322.86 4135.90 -9.78% -4.32%

(` in Crore)

13

(` in Crore)

S. NO.

PARAMETERS Dec-15

Q3

Sep-16

Q2

Dec-16

Q3

Variation Y-o-Y

Variation

Q3(16-17)<>

Q2(16-17)

1 INTEREST INCOME 4955.96 4695.28 4438.62 -10.44% -5.47%

2 INTEREST EXPENSES 3646.64 3379.65 3356.61 -7.95% -0.68%

3 NII (Spread) (1-2) 1309.32 1315.63 1082.01 -17.36% -17.76%

4 NON INTEREST INCOME 394.52 583.42 977.35 147.73% 67.52%

5 OPERATING EXPENSES 937.48 943.21 779.29 -16.87% -17.38%

6 OPERATING PROFIT (3+4-5) 766.36 955.84 1280.07 67.03% 33.92%

14

(` in Crore)

S.

NO. PARAMETERS

Dec-15

Q3

Sep-16

Q2

Dec-16

Q3

Variation Y-o-Y

Variation

Q3(16-17)<>

Q2(16-17)

1 OPERATING PROFIT 766.36 955.84 1280.07 67.03% 33.92%

2 PROVISIONS 1191.05 802.58 1410.08 18.39% 75.69%

2 a Prov. for Depreciation on Investment

2.75 55.84 13.45 -75.91%

2 b Prov. for taxes 8.00 28.04 83.00 196.01%

2 c Prov. for NPA 1450.40 687.48 1429.62 -1.43% 107.95%

2 d Prov. for Standard Assets -63.00 -51.99 -122.00 -93.65% -134.66%

2 e Prov. for Unhedged Forex Exposure

1.06 2.47 4.86 96.76%

2 f Other Provisions -208.16 80.74 1.15 100.55% -98.58%

3 Net Profit (1-2) -424.69 153.26 -130.01 69.39% -184.83%

15

S. No.

PARAMETERS Dec-15

Q3

Sep-16

Q2

Dec-16

Q3

Variation Y-o-Y

Variation

Q3(16-17)<>

Q2(16-17)

1 Cost of Deposit 7.10% 6.51% 6.21% -89 bps -30 bps

2 Cost of Funds 6.34% 5.79% 5.54% -80 bps -25 bps

3 Yield on Advances 11.01% 10.59% 9.76% -125 bps -83 bps

4 Yield on Investment (without

Profit) 7.55% 7.50% 7.26% -29 bps -24 bps

5 Yield on Investment (with

Profit) 8.28% 9.55% 11.39% 311 bps 184 bps

6 Yield on Funds 8.61% 8.04% 7.33% -128 bps -71 bps

7 Net Interest Margin (NIM) 2.57% 2.66% 2.14% -43 bps -52 bps

16

S. NO.

PARAMETERS Dec-15

Q3

Sep-16

Q2

Dec-16

Q3

Variation Y-o-Y

Variation

Q3(16-17)<>

Q2(16-17)

1 Business per Employee

(` in Crore) 16.59 15.94 16.48 -0.64% 3.41%

2 Business per Branch

(` in Crore) 152.69 148.96 152.62 -0.05% 2.45%

3 Book Value per share [` ] 441.72 404.25 400.69 -9.29% -0.88%

4 Cost to Income Ratio 55.02% 49.67% 37.84% -1718 bps -1183 bps

5 Return on Equity -12.60% 4.41% -3.73% 887 bps -814 bps

6 Return on Assets -0.74% 0.26% -0.21% 53 bps -47 bps

17

(` in Crore)

PARAMETERS Dec-15 Mar-16 Sep-16 Dec-16 Y-o-Y

Growth

Total Priority Sector 60331.24 62254.73 56197.49 54508.96 -9.65%

Total Agriculture 25269.50 25957.76 24417.05 23950.32 -5.22%

Micro , Small & Medium Enterprises

26506.27 27511.84 23540.16 22558.68 -14.89%

Weaker Section 15191.85 16220.30 15426.76 15011.75 -1.19%

18

PARAMETER 31.12.2015 30.09.2016 31.12.2016 Y-o-Y Growth

Retail 17939 19117 18387 2.50%

% age to Total Advances 11.76% 12.86% 12.38%

Agriculture (excluding RIDF) 20691 20621 20218 -2.29%


MSME (PS+NPS)

(excluding SIDBI Investment) 29958 28423 26599 -11.21%


Total RAM 68588 68161 65204 -4.93%


Credit (Other than RAM) 83924 80505 83242 -0.81%


Total Advances 152512 148666 148446 -2.67%

19

Industry Segment

Amt. FB O/s

31.12.16

(` in Crore)

%age to total

Industry

%age to total

Credit

Iron & Steel 11139 24.66% 7.50%

Textile 7351 16.27% 4.95%

Food Processing 5302 11.74% 3.57%

(Out of which Sugar) 892 1.97% 0.60%

All Engg. 3472 7.69% 2.34%

Vehicles, Vehicle Parts & Transport Equipments 1628 3.60% 1.10%

Constructions 1692 3.75% 1.14%

Other Metal & Metal Products 769 1.70% 0.52%

Chemical, Dyes, Paints etc. 1641 3.63% 1.11%

(Out of which Pharmaceuticals) 619 1.37% 0.42%

Paper & Paper Product 1208 2.67% 0.80%

Other Industries 10971 24.29% 7.40%

Total Industry 45173 100.00% 30.43%

NBFC 14886 -- 10.03%

Commercial Real Estate 8215 -- 5.53%

Food Credit 5313 -- 3.58%

Others 74859 -- 50.43%

Gross Advances 148446 -- 100.00%

20

Break up of exposure to Power Sector

(` in Crore)

Segment 31.12.2015 31.12.2016 Y-o-Y

Total Infrastructure 33221 26931 -18.93%

Out of which:

- Power 19308 12740 -34.02%

- Ports, Roads & Highways 8774 8824 0.57%

-Telecom 3321 2753 -17.10%

Particular 31.12.2016 % to Total Exp. % to Total Power

Central Govt. 746 0.33% 5.86%

State Govt. 4007 1.78% 31.45%

Private 7987 3.55% 62.69%

Total 12740 5.66% 100.00%

21

As on 31.12.2015 As on 31.12.2016

CATEGORY HTM AFS HFT Total HTM AFS HFT Total

SLR 39216.67 14586.08 89.26 53892.01 42592.80 18023.12 15.00 60630.92

NSLR 369.76 6769.04 370.52 7509.32 1043.11 8964.80 1.26 10009.17

TOTAL 39586.43 21355.12 459.78 61401.33 43635.91 26987.92 16.26 70640.09

% to Total Portfolio

64.47% 34.78% 0.75% 100.00% 61.77% 38.21% 0.02% 100.00%

(` in Crore)

22

31.12.2015 30.09.2016 31.12.2016

TOTAL (AFS) 4.53 3.29 2.78

TOTAL PORTFOLIO 4.71 4.72 4.33

23

S.No Particulars (` in Crore)

1 Opening balance as on 01.10.2016 7617

2 Fresh Restructuring during the quarter 37

3 Slippage from Standard Restructured to NPA category (921)

4 Up-gradation to Standard Category from NPA 2

5 Up-gradation from Standard Restructured to Standard category due to satisfactory conduct of the account

(11)

6 Decrease in Outstanding + Closure (82)

7 Closing balance as on 31.12.2016 6642

24

(` in Crore)

S.No Particulars O/s as on 31.12.2016 % of total

1 Infrastructure 2158 32.49

2 Agriculture 1282 19.31

3 Iron & steel 774 11.66

4 Sugar 504 7.58

5 Textiles 105 1.57

6 Others 1819 27.39

Total 6642 100.00

Break up of Infrastructure Amt in crore

Roads, Highways & Ports 1128

Power Generation 737

Telecom 109

State DISCOMs 153

Others 31

Total 2158

25

(` in Crore)

S.

NO. PARAMETERS Dec-15 Mar-16 Sep-16 Dec-16

1 Gross NPA 11824.90 14701.78 18382.53 20492.18

2 Gross NPA as % of Gross Advances

7.75% 9.57% 12.36% 13.80%

3 Net NPA 7359.41 9932.15 12748.16 13688.09

4 Net NPA as a % of Net Advances

4.99% 6.70% 8.93% 9.68%

5 Provision Coverage Ratio 56.34% 51.16% 48.47% 49.44%

26

S.No PARTICULAR Dec-15

(Q-3)

Mar-16

(Q-4)

Sep-16

(Q-2)

Dec-16

(Q-3)

1 Opening Gross NPAs 8557.96 11824.90 17208.91 18382.52

2 Recovery in Ledger Balance 330.75 383.46 364.01 295.67

3 Up gradation 10.08 7.96 84.01 44.31

4 Write Off 372.65 750.88 520.70 253.63

5 Total Reduction (2+3+4) 713.48 1142.30 968.72 593.61

6 Fresh Addition 3980.42 4019.18 2142.33 2703.27

7 Closing Gross NPAs 11824.90 14701.78 18382.52 20492.18

8 Provision 4465.49 4769.63 5634.37 6804.09

9 Closing Net NPAs 7359.41 9932.15 12748.15 13688.09

10 Cash Recovery in Revenue 48.70 87.19 36.61 40.31

11 Total Recovery (2+3+10) 389.53 478.61 484.63 380.29

27

S.No PARTICULAR Dec-15

(9M)

Dec-16

(9M)

1 Opening Gross NPAs 7666.22 14701.78

2 Recovery in Ledger Balance 765.19 918.45

3 Up gradation 511.66 393.65

4 Write Off 916.72 1206.91

5 Total Reduction (2+3+4) 2193.57 2519.01

6 Fresh Addition 6352.25 8309.41

7 Closing Gross NPAs 11824.90 20492.18

8 Provision 4465.49 6804.09

9 Closing Net NPAs 7359.41 13688.09

10 Cash Recovery in Revenue 206.47 244.51

11 Total Recovery (2+3+10) 1483.32 1556.61

As on 31.12.2015 As on 30.09.2016 As on 31.12.2016

Sector/ Industries

O/s NPA % of NPA

to O/s

% of NPA to

Gross NPA

O/s NPA

% of NPA to O/s

% of NPA to

Gross NPA

O/s NPA % of NPA

to O/s

% of NPA to

Gross NPA

Retail 17939 313 1.74% 2.64% 19117 403 2.11% 2.19% 18387 347 1.89% 1.69%

Agriculture

(Excl. RIDF) 20691 1348 6.51% 11.40% 20621 1423 6.90% 7.74% 20218 1433 7.09% 6.99%

MSME (Excl. SIDBI

Investments)

29958 2418 8.07% 20.45% 28423 3038 10.69% 16.53% 26599 2938 11.05% 14.34%

Total RAM 68588 4079 5.95% 34.49% 68161 4864 7.14% 26.46% 65204 4718 7.24% 23.02%

Other

Advances 83924 7746 9.23% 65.51% 80505 13519 16.79% 73.54% 83242 15774 18.95% 76.98%

Total

Advances 152512 11825 7.75% 100% 148666 18383 12.36% 100.00% 148446 20492 13.80% 100.00%

28

(` in Crore)

As on 31.12.2015 As on 30.09.2016 As on 31.12.2016

Sector/ Industries

O/s NPA % of NPA

to O/s

% of NPA to

Gross NPA

O/s NPA % of NPA

to O/s

% of NPA to

Gross NPA

O/s NPA % of NPA

to O/s

% of NPA to

Gross NPA

Infrastructure 24822 1072 4.32% 9.06% 19073 1617 8.48% 8.80% 18582 2112 11.37% 10.31%

Textile 7948 1268 15.95% 10.72% 6906 1741 25.21% 9.47% 7351 1846 25.11% 8.99%

Iron & Steel 10687 2882 26.97% 24.37% 10961 6612 60.32% 35.97% 11139 6879 61.76% 33.57%

Food

Processing 5899 432 7.32% 3.65% 4855

408

8.40% 2.22% 5302 558 10.52% 2.72%

NBFC 15350 21 0.14% 0.18% 15120 22 0.15% 0.12% 14886 22 0.15% 0.11%

29

(` in Crore)

30

89.15

91.39

93.55

95.72

84

86

88

90

92

94

96

98

Mar'16 Jun'16 Sep'16 Dec'16

2566

2585

2599 2598

2540

2550

2560

2570

2580

2590

2600

2610

Mar'16 Jun'16 Sep'16 Dec'16

13.68 14.24 14.56

16.73

-

2.00

4.00

6.00

8.00

10.00

12.00

14.00

16.00

18.00

Mar/16 Jun/16 Sep/16 Dec/16

ADC Channels Txns (No.s) In

La

cs

16.26 17.33

18.67

29.83

58.78

0

10

20

30

40

50

60

70

March'16 Sep'16 Oct'16 Nov'16 Dec'16

Electronic Modes of Payment

8.75 10.37

11.14

22.18

46.76

0

5

10

15

20

25

30

35

40

45

50

March'16 Sep'16 Oct'16 Nov'16 Dec'16

POS

0.11

0.29 0.35 0.50

1.06

0.00

0.20

0.40

0.60

0.80

1.00

1.20

March Sep'16 Oct'16 Nov'16 Dec'16

Mbank

5.07 5.42

5.70 5.86

7.47

4.0

4.5

5.0

5.5

6.0

6.5

7.0

7.5

8.0

March Sep'16 Oct'16 Nov'16 Dec'16

IBANK

32

POS & eCom

322% 380%

Mobile Banking

202% 116%

Internet Banking

29% 13%

151% 224%

102% 101%

19% 14%

Daily avg. Nos. & Amount in Dec’16 over Oct’16 Actual Growth Q3-o-Q2

Demonetization Effect-Increase in Digital Payments

Channels Avg.

Transaction

Growth (Nos.)

Avg.

Transaction

Growth (Amt.)

Actual

Transaction

Growth (Nos.)

Actual

Transaction

Growth (Amt.)

33

Oriental Unified Pay

‘Unified Payment

Interface’ (UPI), mobile

based android application which

powers multiple bank accounts

(of participating banks) using

Virtual Payment Account (VPA)

and several other banking

services features like fund

transfer (P2P), QR based

payments, etc.

INTERNET BANKING

• Launch of functionality in Internet Banking to make

instant Inter Bank fund transfer and credit to the

beneficiary account round the clock 24*7*365 days

using IMPS (Immediate Payment Services) P2U

(Person to UID using Aadhaar number.)

• Launch of functionality of online registration of

Atal Pension Yojana (APY) in Internet Banking

platform.

• Launch of PPF subscription and online PPF

Account opening in Internet Banking platform.

• Launch of Aadhaar Payment

Bridge (Credit) services as

sponsor Bank which allows

our Bank to make bulk

transactions towards

distribution of subsidies,

dividends, interest, salary,

pension etc using Aadhaar

number.

34

0

3000

6000

9000

12000

15000

18000

21000

Mar-15 Dec-15 Mar-16 Dec-16

10413 (51%)

11205 (52%)

11414 (53%)

12322 (56%)

6795 (34%)

7385 (34%)

7013 (33%)

6663 (31%)

2992 (15%)

3050 (14%)

3042 (14%)

2801 (13%)

21640 21469

Subordinate

Non-Subordinate (Clerks)

Officers

21786 20200

1 Number of Accounts opened since 16.08.2014

38.91Lakh

2 Number of RuPay cards issued

36.55Lakh

3 Deposits in Accounts `4801.92 Crore

Scheme No. of Enrolments Total

Enrolments URBAN RURAL

Pradhan Mantri Suraksha Bima Yojana (PMSBY) 22.06Lakh 10.44Lakh 32.50 Lakh

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) 4.19 Lakh 1.99 Lakh 6.18 Lakh

TOTAL 26.25Lakh 12.43Lakh 38.68 Lakh

Category No. of Account

Disbursement (Amount)

1 SHISHU (< `50000)

9266 ` 35.50crore

2 KISHORE (Above `50k-5lakh)

8583 ` 196.28crore

3 TARUN (Above `5lakh-10lakh)

2738 ` 219.89crore

4 GRAND TOTAL 20587 `451.67 crore

Documents

Presentation for the Quarter ended 30th September, 2016 · 5 147.73% Non-Interest Income 37.84% Cost to Income 67.03% Operating Profit 6.21% Cost of Deposit