Presentation on Performance of the Bank

Financial Results FY:2012-13

Your Tech Friendly Bank

FY 2012-13
Global Business has increased to ` 2,49,136 crore from ` 2,11,988 crore as on 31.03.2012 up by 17.52% (y-o-y)

Higher Topline
Total Credit increased to ` 1,07,156 crore from ` 91,184 crore as on 31.03.2012 up by 17.52% (y-o-y)

Global Business

Total Credit

Total Deposits
Total Deposits reached a level of ` 1,41,980 crore from ` 1,20,804 crore as on 31.03.2012 up by 17.53% (y-o-y)

CD Ratio
CD Ratio at 75.47% as against 75.48% in the previous year

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FY 2012-13 Awards and Accolades National Award For Excellence in Lending to Micro Enterprises Your Tech-Friendly Bank 3 .

Awards and Accolades SKOCH Digital Inclusion Award2012 NFS ATM Operational Excellence Award 2012 (Runner up) Runner up in the NFS ATM Operational Excellence Award 2012 under Public Sector Bank Category Master Card Innovation Award PREPAID CARD PROGRAM Awarded by Mastercard International for the innovative prepaid card sales targeting Corporate Entities. Chairman. Unique Identification authority of India 4 . For exemplary use of technology in Financial Inclusion – received from Shri Nandan Nilekani.

Hon’ble Union Minister for Commercie and Insustries 5 .Awards and Accolades SKOCH Challenger Award 2012 For outstanding contribution in providing banking services to the unreached villages through various Financial Inclusion initiatives SKOCH Financial Inclusion Award For completing 100% Financial Inclusion in UT of Puducherry The Sunday Standard FINWIZ Award 2012 by New Indian Express for QUICKEST TURNAROUND – received from Shri Anand Sharma.

FY 2012-13 Women Empowerment Linkage of one crore SHG members Your Tech-Friendly Bank 6 .

Financial Results FY:2012-13 Your Tech Friendly Bank .

Provisions `1581 crore 32.FY 2012-13 Bottom line – FY 2012-13 Net Profit NIM 3.22% Your Tech-Friendly Bank 8 .09% RoA 1.02% Cost Income Ratio excl.

99% NIM at 2.FY 2012-13 Bottom line . Your Tech-Friendly Bank 9 .70% • Additional Provisioning for Pension.88% RoA at 0.Gratuity and Wage Revision of over ` 400 crores impacted Net Profit. Cost Income Ratio and RoA.Q4 Net Profit at ` 292 crore Cost Income Ratio at 63.

Bottom line – FY 2012-13 10 .

Gratuity Fund at ` 146 crore and for the ensuing Wage Revision at ` 38 crore.2013 31.2011 31.2013 • The Net and operating profit were impacted by the additional provisions made towards Pension Fund at ` 704 crore.Profit – FY 2012-13 Net Profit (` in crore) 1714 1747 Operating Profit YE (` in crore) 3292 3463 1581 3061 31. 11 .03.03.2011 31.03.03.2012 31.03.03.2012 31.

03.2013 12 .03.03.2012 31.2013 565 31.2011 31.2011 31.03.03.Profit – Q4 Net Profit Q4( ` crore) 439 345 292 Operating Profit Q4 (` in crore) 903 797 31.03.2012 31.

2013 Your Tech-Friendly Bank 13 .2013 31.FY 2012-13 Q4 1111 Net Interest Income FY – 2012-13 Net Interest Income (` in crore) 4524 4418 1107 Net Interest Income (` in crore) 1083 4036 31.03.2011 31.03.2012 31.2012 31.03.03.03.03.2011 31.

2013 3562.46 592.32 2187.03 -15.32 1746.37 2750.23 1581.90 292.58 4.16 13463.2012 3191.58 Y-o-Y Growth % 13.62 1003.46 4022.13 Y-o-Y Growth % 11.03.75 345.12.FY 2012-13 Financial Snapshot ` in crore Year ended 2011-12 2012-13 13892.78 21.86 12119.53 Quarter ended 31.48 7813.29 2700.43 Particulars Interest income Other Income Total Income Interest Expenditure Operating expenditure Total Expenditure Net Profit 12231.39 28.97 3498.62 50.42 69.90 25.00 10000.14 Your Tech-Friendly Bank 14 .49 9368.47 2454.75 (` in crore) 19.28 3457.64 1287.00 14.32 1232.01 460.99 16.02 2108.94 15180.97 12.19 -9.42 31.06 306.

36 Q4 2012-13 7.30 8.03 7.FY 2012-13 Productivity Q4 2011-12 6.06 10.42 1300.23 1300.07 11.68 7.90 7.23 7.98 9.61 7.28 11.47 1114.19 FY FY Parameters Cost of Deposits Yield on Advances Return on Investments Business per Employee (` in lakh) Net Profit per Employee (` in lakh) 2011-12 2012-13 6.41 1114.98 6.38 Your Tech-Friendly Bank 15 .29 7.78 10.

14 13.03.03.03.2013 31.2013 Your Tech-Friendly Bank 16 .2012 31.2012 31.2011 31.38 31.03.01 8.88 9.FY 2012-13 Business per Employee Productivity Net Profit per Employee (` in lakhs) (` in crore) 9.03.30 8.03.2011 31.30 11.

20 13.88 2.Capital Adequacy Ratio 534 31. Urban Rural Semi-Urban Overseas 17 .03.08 568 586 401 3 Metro.03.47 10651 2155 12806 10.2013 Tier I Tier II Total Capital Tier I (%) Tier II (%) CRAR as per BASEL II 9553 2007 11560 11.13 2.2012 31.34 13.

44 31.89 214.66% Book Value Per share (`) 242.2011 31.2013 Your Tech-Friendly Bank 18 .2012 31.03.FY 2012-13 Share Holder’s Value Proposed Dividend for 2012-13 .94 184.03.03.

0. 3.43 Corporate Body.22 Your Tech-Friendly Bank 19 . 0. 2. 0. 0.89 Mutual Funds. 3.62 Bank.09 NRI. 2.05 FI. 0.74 Resident.05 Employees. 7.00 Clearing Member. 80.27 Other.10 Trusts. 0.FY 2012-13 Pattern of Equity Holding FII.16 Promoters.

FY 2012-13 (` in crore) 160000 Deposits 141980 Deposit Growth Y-o-Y .12.09.17.2011 31.2013 Deposits 60000 40000 131180 6448 31546 37994 135077 5785 32483 38268 141980 6798 32340 39139 32639 36866 39139 Current Savings CASA 20000 0 31.2012 31.2013 Deposits CASA Your Tech-Friendly Bank 20 .03.03.2012 31.03.53% (` in crore) 140000 120000 120804 105804 100000 GLOBAL 80000 30.2012 31.03.

FY 2012-13 Composition of Advances (` in crore) Credit to Agriculture Corporate & Commercial Position As on 31. Your Tech-Friendly Bank 21 .64 17. Direct Agriculture: • Increased by 30. Credit Growth Y-o-Y : 17.91 37.421 crore as on 31.03.13 17.03. Priority Sectors • Increased by ` 6394 crore to ` 36.027 crore as on 31.31 10.03. Agriculture: • Increased by 27.2012. YoY Growth 37.52 Advances • Increased to ` 107156 crore from ` 91184 crore as on 31.2013.10% of ANBC.03.52%.2013. MSME • Increased by ` 3791 crore to ` 13949 crore as on 31.32%.32 23. constituting 42.2013 YoY % Retail Loans MSME Overseas Credit Total 13354 49704 13094 10158 4874 91184 17001 54741 15439 13949 6026 107156 27.2012 31.31% to ` 17001 crore.2013 from ` 30.48% to ` 15828 crore.03.03.

03. Plastics and their products Glass & Glassware Cement & Cement Products Basic Metal & Metal Products All Engineering 31. Coal Products & Nuclear Fuels Chemicals and Chemical Products Rubber.03. Coal) Food Processing Beverages & Tobacco Textiles Leather & Leather Products Wood & Wood Products Paper & Paper Products Petroleum. Vehicle Parts & Transport Equipments 1030 Gems & Jewellery Construction Infrastructure Other Industries Industry .2013 388 1968 239 3727 145 129 530 3655 865 465 307 1011 4300 2010 816 118 821 21177 1239 43911 Vehicles.FY 2012-13 Credit Deployment to Major Industries (` in crore) Industry Name Mining and Quarrying (Incl.Total 75 545 16928 1075 36206 Your Tech-Friendly Bank 22 .2012 391 875 277 3811 138 126 477 2442 730 445 221 1084 3448 2087 31.

44% 4.19 25.82% 16048 39.64 AFS 11083 30.74% 24005 59.48% 332 0. SLR Investments SLR HTM as a % to DTL SLR % to DTL Classification of Investments 36741 29763 24.27 Your Tech-Friendly Bank 23 .12 Mar-12 40385 31134 20.FY 2012-13 Investment Por tfolio (` in crore) Mar-12 Mar-13 Total Investments Of which.68 Mar-13 HFT 178 0.35% M Duration 4.36 28.17% HTM 25480 69.

FY 2012-13 Lending to SHG Continued Thrust During the year. Your Tech-Friendly Bank 24 .29 crore. The Bank has established portfolio as on 31.03. the Bank has disbursed Indian Bank has linked one crore SHGs so far The total Credit outstanding under SHG `1611.36 crore to 57224 SHGs.2013 is `2315. 45 MICROSATE branches (Specialized branches for Micro Finance ) across the country.

of students Cumulative No.FY 2012-13 Focus on Education Loan  Bank’s Educational Loan-Non IBA scheme implemented to help students pursuing courses under Management Quota and 3 year diploma courses  Central Scheme to provide interest subsidy for the moratorium period of education loan availed by students from economically weaker section is being implemented.50% on the applicable card rate on Fresh Education Loan sanctioned to Girl students.12 Mar.  Interest Concession of 0. financed of Students 96953 93215 74078 3650 185482 203802 204691 Education Loan .  To support the National initiatives on skill development.13 (` in crore) Period 2010-11 2011-12 2012-13 Out standing 2807 3222 3650 No.11 Mar.(` in crore) 3222 2807 Your Tech-Friendly Bank 25 .75 lakhs Mar.  Web Based online education System put in place  Under this facility 198 students were given in principal sanction amounting to `568. IBA Model Loan scheme for Vocational Education and Training implemented.

03.2012 31.2012 31.83 31.03.03.33 Net NPA (%) 2.33 31.03 1.48 1850.2012 31.03.2013 Your Tech-Friendly Bank 26 .FY 2012-13 Gross NPA (` in crore) NPA Management Net NPA (` in crore) 2384.03.2012 31.26 2.2013 31.03.2013 Gross NPA (%) 3.03.78 1196.03.2013 31.30 3565.

the Bank plans to open more than 200 branches. Customer Base : 30. count ers 568 586 1418 Ultra Small brs 3 Position as on 31. 23 Satellite Offices Urban Rural Semi-Urban Overseas 1322 ATMs 52 Banking Service Centres 143 New Branches opened during the year Alternate Delivery Channels Mobile Banking : 1.03.FY 2012-13 2089 Branches (Domestic) Pan India Network 534 401 28 Extn.14 lac customers During the current year .25 lac customers Internet Banking : 5.7 million Your Tech-Friendly Bank 27 .2013 Metro.

Banking services have been extended to all the villages with population above 2000 as well as with population 2000 and below by the member banks through various delivery channels. • As on 31.26 lakhs in these villages under Financial Inclusion Plan.2013.154 Basic Savings Bank accounts have been opened in the Financial Inclusion Plan implementing villages. Smart cards have been issued to the account holders. a total of 42 villages with population above 2000 and 25 villages with population 2000 and below have been allotted to various Banks under FIP. 3380 villages through Smart card based Business Correspondent (BC) Model 26 villages through Brick and mortar branches 34 villages through Banking Service Centres (BSCs) 54 villages through Mobile Branch/Van • Bank has opened 1418 Ultra Small Branches (USBs) in the villages with population above 2000 covered through BC model under Financial Inclusion.FY 2012-13 Financial Inclusion Under Financial Inclusion Plan. 11. • In UT of Puducherry. where our Bank is the SLBC Convenor.03.428 accounts were opened under Information and Communication Technology (ICT) based Business Correspondent (BC) model.15. Bank has provided banking services to 3494 villages with population above 2000 as well as below 2000 through various delivery channels as below. • Overdraft in SB No frill accounts and General Credit Card (GCC) facilities have also been provided to 3798 beneficiaries amounting to Rs.85. Implementation of FIP in Union territory of Puducherry.175. 13. Of which. Your Tech-Friendly Bank .

2013 (including 359 offsite ATMs) • 87 Biometric ATMs for extending 24x7 services to Self Help Groups (SHG).52 lakhs from 74. • Indian Bank Prepaid International Travel Card has been launched on 26.09.09.03. & ISB. • Bank's customers can access more than 111000 ATMs across the country under the sharing arrangement.2012. 29 . • ATM card base has increased to 89.2012 .2012 – “ A Gift in Style” can be used for shopping and Online Purchases • MoU Entered with National Small Industries Corporation (NSIC) to focus on MSME Segment. • Cash-in ATMs at e-banking lounges at Alwarpet.“Travel with delight” • Indian Bank Prepaid Gift Card has been launched on 26.03. Mohali.Initiatives • Number of ATMs has increased to 1322 as on 31.00 lakhs as on 31.