Professional Documents
Culture Documents
LOGO
PERFORMANCE AT A GLANCE
( ` in crore)
(%)
Total Business
286633
0.67
Gross Advances
124359
Return on Equity
10.22
Total Deposits
162275
Cost-Income Ratio
49.40
57.77
271
Net Profit
1159
10.51
Gross NPA
3.67
13.10
Net NPA
2.26
10.24
12.64
Branches
2250
Foreign Offices
ATMs
3
2123
1452.85
127.22
Board
Board Recommended
Recommended for
for aa final
final
Divdend
Divdendof
of17%
17%on
onEquity
EquityShares.
Shares.
Company
LOGO
BRANCH NETWORK
North East, 42
Southern, 1429
East, 225
31.03.2012
31.03.2013
31.03.2014
Central, 162
1. Domestic Branches
1955
2089
2250
1958
2092
2253
3. Extension Counters
34
28
28
4. Satellite Offices
23
23
21
4. Metro
19%
5. ATMs
1280
1322
2123
65
52
50
50
1418
1407
2.Overseas Branches
Western, 186
3. Urban
25%
1. Rural
29%
2. SemiUrban
27%
Total Branches
Company
LOGO
DEPOSITS
Deposits
160000
140000
CASA
( ` in crore)
162275
Deposits
141980
CASA share
(Domestic)
28.34%
120804
120000
100000
80000
60000
36866
39139
44010
40000
20000
0
31.03.12
31.03.13
31.03.14
Company
LOGO
ADVANCES
Gross Advances (Global)
Details
Mar 12
Gross Advances
Credit Deposit Ratio (%)
(` . in crore)
Mar 13
Mar 14
91184
107156
124359
74.77
74.41
78.00
Y-0-Y (% )
16.05
( ` in crore)
31.03.2013
( ` in crore)
124635
107156
31.03.2013
31.03.2014
Y-o-Y Growth
17001
19047
12.04
54944
64639
17.65
18196
22891
25.80
36748
41748
13.61
Retail Loans
15439
17068
10.55
MSME
13746
16104
17.15
6026
7500
24.46
107156
124359
16.05
31.03.2012
31.03.2014
Agriculture
91184
(` in crore)
Overseas Credit
Total
Company
LOGO
Mar-13
Mar-14
( ` in crore)
RBI
Achivement
Mandatory
(%)
Target (%)
36420.69
41156.84
40.00%
40.64%
Agriculture
17000.56
19047.49
18.00%
18.81%
Direct Agri
15828.37
18350.17
13.50%
18.12%
1172.19
697.32
11020.22
13322.29
8399.91
8787.06
Advances to Weaker
Sections
9367.29
11109.58
10.00%
10.98%
Advance to Minority
5471.42
6197.99
15.00%
15.06%
Advances to Women
7419.33
8823.05
86511.72
101284.94
Indirect Agri
Micro & Small
Enterprises
ANBCLevel
SECTORAL DEPLOYMENT OF
CREDIT
Sector
% Share in Gross
Bank Credit ( Excl
Food Credit)
16.61%
12.02%
37.63%
Personal Loans
14.88%
Wholesale Trade
Others
www.company.com
5.64%
13.22%
Power Sector
(` in crore)
Particulars
Total Power Sector
of which: State Owned
Generation
Distribution *
Private Owned
* Restructured Discoms Rs. 3048.82 crore.
www.company.com
Mar-13
12934.16
6974.33
2091.53
4882.8
5959.83
Mar-14
12662.99
6712.39
2188.94
4523.45
5950.6
Variation
(%)
-2.10
-3.76
4.66
-7.36
-0.15
Particulars
Mar-13
% to Gr.
Advance
Advance
Mar-14
% to Gr.
Advance
Advance
6696
6.62
7758
6.64
1062.14
15.86
Vehicle Loans
555
0.55
641
0.55
86.07
15.50
Personal Loans
535
0.53
588
0.50
53.86
10.08
4204
4.16
4627
3.96
422.77
10.06
15439
15.27
17059
14.60
1620.1
10.49
Others
Total Retail Credit
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Company
LOGO
FINANCIAL SNAPSHOT
( ` in crore)
Year Ended
Particulars
Interest Income
Other Income
Total Income
Interest Expenditure
Operating expenditure
Total Expenditure
Provisions
31.03.2013
13897.42
1283.16
15180.58
9368.37
2750.86
12119.23
1480.21
31.03.2014
15249.21
1371.68
16620.89
10888.79
2831.50
13720.29
1741.65
Y-o-Y
Growth %
9.73
6.90
9.49
16.23
2.93
13.21
17.66
Company
LOGO
KEY RATIOS
( %)
Parameters (Global)
Cost of Deposits
Yield on Advances
Return on Assets
Net Interest Margin
Return on Investments
Return on Average Networth
Business per Employee (`in lakh)
31.03.2013
7.07
11.04
1.02
3.09
7.41
14.89
1300.98
31.03.2014
7.15
10.38
0.67
2.60
7.43
10.22
1452.85
Company
LOGO
Year Ended
31.03.2013
Year Ended
31.03.2014
% change
952.98
1154.57
21.15
Provision for
Depreciation on
Investments
25.19
90.63
259.79
155.35
149.19
-3.97
Tax Provisions
245.08
316.73
29.24
1480.21
1741.65
17.66
Total Provisions
Company
LOGO
INVESTMENTS (Domestic)
( ` in crore)
Investments (Domestic)
Mar-12
Mar-13
Mar-14
Total Investments
36741
40385
45676
29763
31134
38113
22.91
20.19
23.52
SLR % to DTL
25.63
25.68
26.81
Mar-12
Mar-13
Mar-14
178.06
331.92
240.90
0.48%
0.82%
0.53%
11083.08
16047.61
11953.35
30.17%
39.74%
26.17%
25479.89
24005.33
33481.88
69.35%
59.44%
73.30%
4.27
4.64
4.64
Held to Maturity
M Duration
7.48
36741
31.03.2012
7.66
40385
31.03.2013
7.66
45676
31.03.2014
ASSET QUALITY
Mar-2013
Mar-2013
Mar-2014
Mar-2014
Gross
GrossNPA(%)
NPA(%)
3.33%
3.33%
Gross
GrossNPA(%)
NPA(%)
3.67%
3.67%
Net
NetNPA(%)
NPA(%)
2.26%
2.26%
NPA
NPARecovery
Recovery
``653
653crore
crore
www.company.com
Net
NetNPA(%)
NPA(%)
2.26%
2.26%
NPA
NPARecovery
Recovery
``625
625crore
crore
Net NPA
maintained at
2.26%
Company
LOGO
MOVEMENT OF NPA
GROSS / NET NPA
Particulars
(` in crore)
Global
3565.48
2832.32
6397.80
405.64
274.08
475.94
6.11
673.83
1835.60
4562.20
124358.65
3.67
1580.43
10.15
2763.65
122208.99
2.26
* *ARC
ARCSALE
SALE
Category
Category1-1-Reliance
RelianceAsset
AssetReconstruction
ReconstructionCompany
Company(RARC)
(RARC)for
forRs.617.89
Rs.617.89crores.
crores.
Category
Category22- -Asset
AssetReconstruction
ReconstructionCompany
CompanyIndia
IndiaLimited(ARCIL)
Limited(ARCIL)for
forRs.112.50
Rs.112.50crores.
crores.
Company
LOGO
SECTOR-WISE NPA
( ` in crore)
Sector
AGRI
Direct
Indirect
Small & Micro Ent
SME - Manufacture
SME -Services
Other Priority
Housing
Educational Loan
Micro Credit
Amount
as on
31.03.14
% of
GNPA
351.61
291.93
59.68
503.49
237.21
266.28
348.55
44.80
300.00
3.75
7.71
6.40
1.31
11.04
5.20
5.84
7.64
0.98
6.58
0.08
1203.65
26.38
19.98
11.83
8.15
383.89
296.57
87.32
0.44
0.26
0.18
8.41
6.50
1.91
Other - Non
Priority(Including Industries)
2954.68
64.76
3358.55
73.62
4562.20
100
Priority - Total
NON PRIORITY
Housing
Educational Loan
Medium Ent.
Med - Manufacture
Med - Services
Company
LOGO
Gross NPA
31.03.2013
(Industry)
% to Gross
NPA
(Industry)
Gross NPA
31.03.2014
(Industry)
% to Gross
NPA
(Industry)
148.97
33.62
13.12
259.67
6.25
2.90
141.93
4.58
1.03
0.40
7.98
0.19
0.09
4.36
127.04
98.82
9.07
180.77
4.96
48.59
53.84
4.13
3.22
0.30
5.88
0.16
1.58
1.75
7.20
25.47
12.82
166.22
51.31
400.05
144.77
0.22
0.78
0.39
5.11
1.58
12.29
4.45
25.00
91.59
4.87
163.81
55.47
808.74
355.42
0.81
2.98
0.16
5.33
1.80
26.31
11.56
38.75
32.63
7.76
346.78
62.78
50.71
1890.93
1.19
1.00
0.24
10.65
1.93
1.56
58.10
98.60
40.07
31.22
611.15
299.42
264.56
3073.59
3.21
1.30
1.02
19.88
9.74
8.61
100.00
( ` in crore)
Company
LOGO
RESTRUCTURED ASSETS
( ` in crore)
Restructured Details
Accounts Restructured during 2008-09
Accounts Restructured during 2009-10 (net of accounts
restructured for second time)
Accounts Restructured during 2010-11
Accounts Restructured during 2011-12
Accounts Restructured during 2012-13
Accounts Restructured during 2013-14
Restructured Advances Total
Less Accounts closed and Partial recoveries made and bonds
of discoms (net of additional disbursement if any)
ARCILaccounts
AUCAccounts
Standard Restructured Accounts revert to normal level on
account of satisfactory performance
Restructured Advances outstanding as on 31.03.2014
Restructured Advances outstanding as on 31.03.2013
% of NPA to Restructured Assets - 31.03.2014
NPV Provision held as on 31.03.2014
TOTAL
2631.21
3016.51
1059.34
3419.64
4910.51
3891.47
18928.68
4328.24
244.28
302.80
4389.44
9663.92
9707.86
361.25
NPA
STANDARD
78.81
2552.40
122.80
71.76
522.66
431.62
285.70
1513.35
2893.71
987.58
2896.98
4478.89
3605.77
17415.33
0.00
0.00
4328.24
244.28
0.00
302.80
0.00
1513.35
1134.38
15.66
4389.44
8150.57
8573.48
361.25
Company
LOGO
CAPITAL ADEQUACY
( ` in crore)
Details
Tier I
Tier II
31.03.2012
9553.29
31.03.2013
10650.92
31.03.2014
11476.91
2006.88
2154.87
2831.07
11560.17
12805.79
14307.98
Tier I (%)
11.13
10.88
10.51
Tier II (%)
2.34
2.20
2.56
13.47
13.08
13.10
Total Capital
12.64
Tier 1: Basel II
11.20
11.10
11.00
10.90
10.80
10.70
10.60
10.50
10.40
10.30
10.20
11.13
10.88
10.51
31.03.2012
31.03.2013
31.03.2014
Company
LOGO
EQUITY
FII, 6.53
Mutual
Funds, 3.33
%of Holdings
39.57
35.80
Clearing
Member, 0.17
Resident, 3.09
FI, 2.54
Corporate
Body, 2.18
26.07
NRI, 0.18
Trusts, 0.04
Other, 0.81
Employees, 0.21
Bank, 0.20
31.03.2012
31.03.2013
31.03.2014
248.16
242.89
214.94
31.03.2012
31.03.2013
31.03.2014
HUMAN RESOURCES
Mar 12
1. Officers
% to total
2. Clerks
% to total
3. Sub Staff
% to total
Total
www.company.com
Mar-13
Mar-14
7908
8511
8698
42.10%
45.10%
44.77%
8488
8194
8874
45.19%
43.42%
45.67%
2386
2165
1857
12.70%
11.47%
9.56%
18782
18870
19429
NEW INITIATIVES
Bank has launched a Health card - Tie-up with Apollo Hospitals - IB Apollo Hospital Health card
entitling the customers to discounts on various services at the chain of Apollo hospitals
pan India. Customers of chennai are given this card during the 1st phase and it would be
extended to other zones in subsequent phases.
Bank launched Card Block Facility through SMS under which the credit card customers can block
their credit cards by sending an SMS (by typing BLOCKCC) to 56767 from their registered mobile
number.
443 new ATMs are opened during the quarter ended March 2014 and total number of ATMs as on
31.03.2014 is 2123. This includes 511 Offsite ATMs
More than 1,63,000 ATMs can be accessed by customers under sharing arrangements.
Seeding of Aadhar number through SMS / Internet banking / ATM has been implemented.
Integration of new payment gateway vendor M/s PAYTM for online payments.
Integration of net Banking with New Railway Reservation system CRIS is completed.
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FI INITIATIVES
Under Financial Inclusion Plan, Bank has provided banking services to 5013 villages with
population above 2000 as well as below 2000 through various delivery channels.
Special drive in urban and metro areas for opening accounts of migrant labour and street
vendors/hawkers who are working within 500 metres of the branches in Urban and metro areas
and 24,499 accounts have been opened.
In Tamil Nadu, under Social Security Scheme Old Age pension is being paid to about 2.11 lakh
beneficiaries, in the villages covered under Financial Inclusion, through Bank accounts using
Information and Communication Technology (ICT) based Smart Card enabled Business
Correspondent (BC) Model.
Bank in association with M/s United India Insurance Company Limited is extending Micro
Insurance products to the FI customers in the State of Tamil Nadu and Puducherry through our
Field Business Correspondents (FBCs)
Bank has implemented the ICT based BC model in Koyambedu Market, Chennai, wherein a BC
has been engaged in the market. 775 vegetable/fruit vendors have been enrolled and issued with
smart cards and 1668 transactions amounting Rs.9.02 lakh have been done by the BC.
Bank has established Urban Financial Literacy Centre in Chennai, Mumbai and New Delhi.
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FI INITIATIVES
Direct Benefit Transfer (DBT) is presently implemented in 121 districts (43 pilot districts in
phase-I and 78 districts in phase-II). Our Bank is having 546 branches in 92 districts and
these branches are implementing Direct Benefit Transfer. Our Bank is Lead Bank in
Chittoor, Puducherry, Krishna and Yanam Districts.
Direct Benefit Transfer for LPG (DBTL) for LPG consumers is implemented in 293 districts.
Our Bank is having 1466 branches in 227 districts and these branches are implementing
DBTL.
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Company
LOGO
www.company.com
Increase in Profitability
www.company.com