Relationship beyond banking

Relationship beyond banking

Relationship beyond banking

Awards & Accolades

Relationship beyond banking

Awards & Accolades

Relationship beyond banking

New Intiatives

Relationship beyond banking

Investor Profile- Shareholding Pattern (%)

NRIs/FII, 15.49%

Promoter(GOI)

Corporate
Bodies, 0.70%
Mutual Funds,
1.02%
Insurance Cos,
11.07%
FIs/Banks, 0.26%

Relationship beyond banking

Jun-11

Indian Public,
5.60%

FIs/Banks
Insurance Cos
Mutual Funds

Promoter(GOI),
65.86%

Corporate Bodies
NRIs/FII

Global Footprints Foreign Branches of the Bank

USA (New York & SFO)

UK (London + 7branches)
Europe
-France (Paris)
-Belgium (Antwerp)

Hong Kong
Kowloon
Shenzen

Singapore
Jakarta
Ho Chi Minh

Japan (Tokyo & Osaka)

Phnom Penh

Dubai

West Indies
- Cayman Islands

Channel Islands

Kenya (Nairobi, Mombasa,

Ind Area & Westlands)

Tanzania
(Subsidiary),
Joburgh (SA)

Relationship beyond banking

New Zealand

Credit Rating - International & Domestic

Relationship beyond banking

Major Business Parameters

Quarter ended
Jun-10

Sep-10

Dec-10

Mar -11

Jun -11

Business Mix

4,104,927

4,254,479

4,452,795

5,150,401

5,080,339

Deposits

2,336,678

2,410,711

2,525,257

2,988,858

2,930,984

Advances

1,768,249

1,843,768

1,927,538

2,161,543

2,149,355

Operating Profit

14,106

13,796

13,888

12,053

13,959

Net Profit

7,251

6,168

6,532

4,936

5,175

NIM (%)

2.89

2.81

3.09

2.94

2.19

Gross NPA (%)

2.71

2.64

2.36

2.23

2.69

Net NPA (%)

1.18

1.14

0.88

0.91

1.27

Return on Assets(%)

1.05

0.87

0.89

0.61

0.59

Rtn. on Equity (%)

22.63

18.29

18.50

13.19

13.13

Book Value (INR)

250.63

262.36

274.78

283.24

292.90

Relationship beyond banking

10

Deposits

Deposits
Foreign

2006.68

Indian

2529.63

2336.68

June 10

Relationship beyond banking

2988.86

2455.87
475.11

459.23

330.00

Global

March 11

11

June 11

2930.98

Domestic Deposits (CASA)

800,000
700,000

600,000

618,430

527,663

648,993

418,180

692,872

541,532

556,665

731,385

741,675

587,218

588,384

567,141

500,000

400,000

680,678

441,295

477,680

506,541

CASA

SB

300,000

CD

200,000
100,000
0

109,483

125,846

140,750

142,451

139,146

136,207

144,167

153,291

Sep-09

Dec-09

Mar-10

Jun-10

Sep-10

Dec-10

Mar-11

Jun-11

Relationship beyond banking

12

Domestic Deposits Category-wise

RURAL
429.80
18%
SEMIURBAN
280.94
11%

Jun'11

METRO
1475.57
60%

URBAN
269.56
11%

Relationship beyond banking

13

Gross Advances

3000

2161.54

2000
1000

1,393.59

1768.25

1,611.23
538.11

510.07

374.66

2149.35

1,651.47

0
June'10

March'11
FOREIGN

Relationship beyond banking

INDIAN

14

June'11
GLOBAL

Domestic Advances Category Wise as on 30.06.2011

SEMIURBAN
114.86
7%

RURAL
252.58
16%

Jun 11

URBAN
132.53
8%

Relationship beyond banking

METRO
1111.26
69%

15

Key Sectors(Domestic Credits)

June-10

June-11

Agriculture

177,820

221,910

24.79

SME (Priority &

Non Priority)

311,000

339,390

9.13

Retail Credit

154,530

163,160

5.58

Corporate

750,240

886,780

18.20

Relationship beyond banking

16

% Y-o-Y
Growth

Advances to Sensitive Sectors - Domestic

SECTOR

JUN-10

SEP-10

DEC-10

MAR-11

1,393,591

1,446,963

1,509,030

1,651,472

194,960

177,350

194,974

HOUSING
LOAN

84,500

74,490

MORTGAGE
LOAN

16,590

COMML.
REAL ESTATE

Total Advances

JUN-11

% of Total
Advances

1,611,230

100.00

203,623

203,490

12.63

75,610

74,783

78,401

4.87

15,770

15,190

14,950

19,843

1.23

52,790

47,010

47,013

40,546

38,170

2.37

Others(Invest
& Indirect)

41,080

40,800

58,540

73,344

67,076

4.16

CAPITAL
MARKET

33,015

30,600

33,044

32,451

34,920

2.17

REAL ESTATE
Out of which

Relationship beyond banking

17

RESTRUCTURED ACCOUNTS
Includes all facilities of the borrowers

Domestic
> 10 Mn
As on 31.03.2011

< 10 Mn

Total Amount

Foreign

Global

Amount

Amount

78,673

15,451

94,124

12,322

106,446

Additions during Q1

9,000

159

9,159

168

9,327

Less Repayment in
Restructured a/c s / Exchange
fluctuation

-3879

-800

-4679

-79

-4758

83,794

14,810

98,604

12,411

111,015

As on 30.06.2011

Relationship beyond banking

18

MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS

Domestic

> 10 Mn
As on 31.03.2011

Foreign

< 10Mn

Total
Amount

Amount

Global

Amount

16,885

1,253

18,138

18,138

Additions during Q1

3,591

750

4,341

4,341

Less Repayment in
Restructured a/c s /
Exchange fluctuation

-954

-62

-1,016

-1,016

21,430

1,941

23,371

23,371

As on 30.06.2011

Relationship beyond banking

19

% of Total
Restructured
A/cs

17.04

21.05

Sector-wise breakup of restructured accounts (>10 Mn)

(Domestic) in Q1

SECTOR

AMOUNT

CONSTRUCTION

519.46

INFRASTRUCTURE

6,420.06

SERVICE

1,208.50

STEEL

635.56

MISC

216.67

AGGREGATE

Relationship beyond banking

9,000.25

20

Restructured A/Cs Slipped (>Rs.10 Mn) (Domestic)

Sep 09

Number of
Accounts
slipped during
Quarter
Amount in
INR/Mn

Dec 09 Mar 10

June 10

Sep 10

Dec 10

Mar 11

Jun 11

34

24

34

19

13

12

8,390

3,600

3,430

718

2,430

252

972

3,591

Relationship beyond banking

21

Sector-wise breakup of restructured accounts Slipped to

NPA (>10 Mn) (Domestic)

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

Sector

Qtr
Sep10

AGRICULTURE

Qtr
Dec10

Qtr
Mar11

Qtr
Jun11

18

15

417

416

14

CRE

33

ENGINEERING

18

17

103

723

INFRASTRUCTURE

51

281

1,869

754

59

58

409

17

211

354

88

96

TEXTILES

910

12

TRADING

20

158

47

77

2,430

252

972

3,591

CHEMICALS

MISC
PAPER & PAPER PRODUCTS
SERVICES

STEEL

AGGREGATE

Relationship beyond banking

22

NPA Movement

Indian

Jun-10
Foreign

Global

Indian

Jun-11
Foreign

Global

44,812

4,014

48,826

43,566

4,550

48,116

Total Reduction

6,631

276

6,907

5,035

37

5,072

Recovery

2,296

119

2,415

2,295

10

2,305

Upgradation

2,090

2,090

1,268

1,268

Write-off

2,245

157

2,402

1,472

27

1,499

Slippages

5,841

339

6,180

16,020

817

16,837

790

63

727

10,985

780

11,765

Gross NPA
Less Unrealised
Interest on NPA

44,022

4,077

48,099

54,551

5,330

59,881

153

153

1,970

1,970

Closing Gross NPA

43,869

4,077

47,947

52,581

5,330

57911

Opening Gross NPA

Net
Addition/Reduction

Relationship beyond banking

23

NPA Sequential Ratios

June-10
Indian

June-11

Foreign

Global

Indian

Foreign

Global

Closing Gross NPA

43,869

4,077

47,947

52,581

5,330

57,911

Total Nettable Credits

25,882

2,817

28,699

27,559

3,455

31,014

19,838

2,817

22,655

21,167

3,455

24,622

6,044

6,044

6,392

6,392

19,360

1,260

20,620

25,022

1,875

26,897

Gross NPA Ratio (%)

3.15

1.09

2.71

3.26

0.99

2.69

Net NPA Ratio (%)

1.42

0.34

1.18

1.58

0.35

1.27

68.27

69.13

68.32

66.89

64.82

66.76

NPA Provision
Other credits
Net NPA

Provision Coverage Ratio

(%)

Relationship beyond banking

24

Sector wise Breakup of NPA - Domestic

Agriculture
Industry
Services
Personal Loans
DOMESTIC ( TOTAL)
FOREIGN
GLOBAL (TOTAL)

Relationship beyond banking

Jun- 11

% of Total NPA

% of Total
Sectoral
Advances

9,900

17.08

4.53

18,654

32.19

2.88

16,415

28.33

2.87

7,612

13.14

4.67

52,581

91.74

5,357

9.26

57,938

100.00
25

Overseas NPAs

Jun -10
TRADE

Jun- 11

2,024

2,640

158

432

REAL ESTATE

1,145

1,231

OTHERS
TOTAL

758
4,115

1,054
5,357

MANUFACTURING

Relationship beyond banking

26

Profit Summary
Qtr
Jun 2010

Qtr
Sep 2010

Qtr
Dec2010

Qtr
Mar 2011

Qtr
Jun 2011

1 Interest Earned

48,217

51,556

54,675

63,069

66,335

37.58%

2 Interest Expended
Net Interest Income
3 (1 - 2)

30,812

33,795

34,806

39,996

47,926

55.54%

17,405

17,761

19,869

23,073

18,409

5.77%

5,859

5,845

6,482

8,231

6,601

12.66%

23,264

23,606

26,351

31,304

25,010

7.51%

9,158

9,810

12,463

19,251

11,051

20.67%

14,106

13,796

13,888

12,053

13,959

-1.04%

8 Total Provision

6,854

7,628

7,356

7,117

8,784

28.16%

9 Net Profit

7,251

6,168

6,532

4,936

5,175

-28.63%

4 Non-Interest Income
Total Operating Income
5 (3+4)
6 Operating Expenses
7 Operating Profit (5 - 6)

Relationship beyond banking

27

Variation
Y-o-Y (%)

Net Interest Income

Qtr
June-10

Qtr
Sep-10

Qtr
Dec-10

Qtr
Mar-11

Qtr
Jun-11

Variation
Y-o-Y
(%)

TOTAL INTEREST INCOME

48,217

51,555

54,675

63,069

66,335

37.58%

INT. INCOME FROM

ADVANCES

34,919

36,598

40,234

43,252

45,959

31.62%

INT. INCOME FROM

INVESTMENTS

11,776

13,071

12,750

14,119

16,406

39.32%

1,522

1,886

1,691

5,698

3,970

160.84%

TOTAL INTEREST EXPENDED

30,813

33,795

34,806

39,996

47,926

55.54%

INT. EXPENDED ON DEPOSITS

27,498

29,160

29,879

35,249

43,837

59.42%

INT. EXPENDED ON
BORRROWINGS

1,251

2,065

2,473

2,340

1,517

21.26%

INTEREST EXPENSES ON
SUBORDINATED DEBT etc.

2,063

2,570

2,454

2,408

2,470

19.73%

17,405

17,760

19,869

23,073

18,409

5.77%

OTHER INTEREST INCOME

NET INTEREST INCOME

Relationship beyond banking

28

Non-interest Income
Qtr
June-10

Qtr
Sep-10

Qtr
Dec-10

Qtr
Mar- 11

Qtr
Jun- 11

Variation
Y-o-Y
(%)

Treasury:
PROFIT FROM SALE OF SECURITIES

PROFIT FROM EXCHANGE TRANSACTIONS

Sub Total (A)

999

360

592

1,266

1,097

9.81%

1,309

1,111

1,271

1,334

1,471

12.38%

2,308

1,471

1,863

2,600

2,568

11.27%

2,498

3,007

2,838

3,468

2,737

9.57%

684

1,065

1,124

1,244

984

43.86%

3,182

4,072

3,962

4,712

3,721

16.94%

369

301

658

919

312

-15.45%

5,859

5,845

6,483

8,231

6,601

12.66%

Core-banking Operations:
COMMISSION / EXCHANGE / BROKERAGE
OTHER NON-INTEREST INCOME
Sub Total (B)
RECOVERY IN WRITTEN OFF ACCOUNTS (C)
TOTAL NON-INTEREST INCOME (A+B+C)

Relationship beyond banking

29

Cost & Yield Ratios Quarterly Comparison

Qtr Jun-10

Qtr Sep-10

Qtr Dec 10

INDIAN FOREIGN GLOBAL INDIAN FOREIGN GLOBAL INDIAN

Qtr Mar 11

Qtr Jun 11

FOREIG
GLOBAL INDIAN FOREIGN GLOBAL INDIAN FOREIGN GLOBAL
N

Cost of
Deposits

5.37

1.28

4.79

5.65

1.30

4.99

5.61

1.28

4.97

6.08

1.15

5.32

6.87

1.17

6.01

Yield on
Advances

9.89

2.89

8.38

10.04

3.09

8.47

10.35

3.05

8.78

10.67

2.82

8.81

10.84

2.80

8.89

Yield on
7.14
Investments

4.04

6.90

7.48

4.22

7.26

7.93

4.67

7.71

8.27

4.68

8.04

7.50

4.67

7.37

Yield on
Funds

7.74

3.19

6.96

8.05

3.42

7.25

8.29

3.30

7.43

8.71

3.21

7.76

8.58

3.16

7.61

Cost of
Funds

4.95

2.02

4.45

5.32

2.04

4.75

5.32

1.89

4.73

5.54

1.95

4.92

6.26

1.97

5.50

N.I.M.

3.29

1.20

2.89

3.17

1.37

2.81

3.49

1.45

3.09

3.38

1.24

2.94

2.43

1.22

2.19

Relationship beyond banking

30

Ratios Quarterly Comparison

June 10

Sep-10

Dec-10

Mar-11

Jun-11

Cost to Income Ratio

39.37

41.56

47.30

61.50

44.19

Non Interest income to

Operating Expenses

63.98

59.58

52.01

42.76

59.73

Asset Utilization Ratio

2.04

1.94

1.89

1.48

1.60

Return on Assets

1.05

0.87

0.89

0.61

0.59

Return on Equity

22.63

18.29

18.50

13.19

13.13

Earnings Per Share

(Basic & Diluted)

13.81

11.74

12.44

9.37

9.47

Book value per share

250.63

262.36

274.78

283.24

292.90

Net worth (Rs. in Mn)

131,811

137,979

144,511

154,995

160,279

Relationship beyond banking

31

Investments - Domestic
Jun-10
AFS
1

SLR
INVESTMENTS

HTM

Jun-11
HFT

TOTAL

AFS

HTM

HFT

TOTAL

95,930

480,940

1,820

578,690

137,906

519,641

657,547

94,300

477,920

1,820

574,040

135,948

518,347

654,295

1,630

3,020

1,958

1,294

3,252

10,462

170

188,023

530,103

170

845,570

OF WHICH:

GOVERNMENT
SECURITIES
OTHER
APPROVED
SECURITIES
M Duration - AFS
2

NON SLR
INVESTMENTS

4,650

1.22

1.78
43,590

M Duration

2.65

TOTAL

139,520

Relationship beyond banking

8,590

30

52,210

177,391
0.62

489,530

1,850
32

630,900

315,297

Capital Adequacy Basel II

30.06.2010

30.09.2010

31.12.2010

Tier I Capital

138,540

142,090

140,700

170,470

170,550

Tier II Capital

78,890

79,060

78,360

78,670

75,630

Total Capital

217,430

221,150

219,060

249,140

246,180

Total Assets

2,792,052

2,896,250

2,991,853

3,511,725

3,459,576

Risk Weighted
Assets

1,636,480

1,695,310

1,764,450

2,047,620

2,126,990

8.47

8.38

7.97

8.33

8.02

CRAR - Tier II
(%)

4.82

4.66

4.44

3.84

3.55

CRAR (%)

13.29

13.04

12.41

12.17

11.57

CRAR - Tier I (%)

Relationship beyond banking

33

31.03.2011 30.06.2011

Productivity
1500
1,464

1400

1,423

1300

1,310
1200

1,265

1,239

1100

1,258

1,156

1,117

1000

Sep-09 Dec-09 Mar-10 Jun-10 Sep-10 Dec-10 Mar-11 Jun-11

100
87

91

101

Sep-09

Dec-09

Mar-10

101

103

108

Jun-10

Sep-10

Dec-10

128

125

Mar-11

Jun-11

Relationship beyond banking

34

Way Ahead

Relationship beyond banking

35

Relationship beyond banking

36

Relationship beyond banking