MIZORAM RURAL BANK AT A GLANCE

25th February, 2020 - Lalfakzuala, Manager (M.I.S)

Mizoram Rural Bank was established on 27th September, 1983 under the
Regional Rural Bank Act 1976, as a joint undertaking of Government of
India, Government of Mizoram and State Bank of India (Sponsor Bank) by
contributing share capital at the ratio 50:15:35 respectively:
GoI : 50% GoM : 15% SBI : 35%

Proposed Head Office building, which is under construction at new Secretariat

Complex, Khatla, Aizawl with a total budget of `19.7 crore.
Every year on 27th September, Mizoram Rural Bank observes its foundation day.

MRB celebrated its 37th foundation day known as “Bank

Day” on 27th September, 2019 at Aizawl
Financially include all households of the
State with Innovation and Technology.

Be the best Bank of Mizoram.

Hope
Assurance
Integrity
Love
Service
 Network
Network 1 Network 2
Gen. Manager-1 Gen. Manager-2
Reg. Manager-Azl Reg. Manager-Lli
ORGANISATIONAL SET UP OF MIZORAM RURAL BANK
 1. NAMEBANK
MIZORAM RURAL OF RRB: PROFILE – Q3
: SNAPSHOT AMTS. IN RS. CRORES

NETWORK
BRANCH TYPE
BRANCH STRENGTH BUSINESS BRANCH SCALES
(AREA)

SCALE
IV : 9 Urban : 19
Network 1 52
Network
:2
36% SCALE I :
SCALE 31
Network 2 III : 15
33
Network
:1 Rural :
Semi
64% 49
SCALE II Urban :
: 30 17
TOTAL 85

NETWORKS (GM): 2 --- REGIONAL OFFICES : 2 --- # 3 new Branches (Saitual, Marpara & Farkawn are planning to open before April 2020.

1. EMPLOYEE STRENGTH
HUMAN 2. STAFF DEPLOYMENT
RESOURCES
BRANCHES 381 88.40%)
OFFICERS 217 (50.35%)

ASSISTANTS 140 REGIONAL OFFICE 10 (2.32%)

(32.48%)

ATTENDANTS 74 (17.17%) HEAD OFFICE 30 (6.96%)

ON DEPUTATION 4 OTHERS 10

• STAFF AS ON 31ST MARCH 2019: 418 * STAFF AS ON 31ST DECEMBER 2019: 431
 DEPOSITS
Money received from the public.
DEPOSITS
Bank accepts deposits for the
purpose of lending and investment.
It should be in the form of cash.
Refinance/Borrowing
It is a way for banks to get funding in
respect of loan with lower interest rates.
NHB: Refinance assistance in respect of
housing loans.
NABARD : Refinance for both Farm Sector
and Non - Farm Sector loans.
NSTFDC : Refinance assistance for Schedule
Tribe.
AMTS. IN RS. CRORES
 Current Account and Savings
Account.
 CASA has a lower interest rate
than a term deposit.
 CASA is a cheaper source of
funding for banks.
 CASA generates a higher profit
margin.
 CASA Ratio = CASA Deposits ÷
Total Deposits.
 A higher ratio means a larger
portion of a bank’s deposits
are in current and savings
accounts, rather than term
deposit accounts.
 DEPOSITS AMTS. IN RS. CRORES

TYPES OF DEPOSITS AND THEIR COST

CURRENT DEPOSITS  Banks pay interest to our
No cost demand deposits 0% depositors.
 In current account we don't
SAVINGS DEPOSITS
pay any interest and in savings
Low cost demand deposits 3% 3% .

TERM DEPOSITS  While in TD it is maximum 6 to

High cost time deposits 5% - 6.50%
Cost of deposits = Total interest paid on deposits
Average Deposits x 100
Cost of Funds = (Interest paid on Deposits +
Interest paid on Borrowings) /
(Average Deposits + Average Borrowings) x 100
7%.
 So we arrive at an average
cost of deposit on the basis of
total deposits mobilised and
total interest paid during a
year.
 The lower the better.
 With cheaper funds, banks can
lend at a profit
 DEPOSITS AMTS. IN RS. CRORES

1. DEPOSITS

3,355
LEVEL ANNUAL
4000 35.00%

3500

29.28%
30.00%
(CUMULATIVE) GROWTH (NET)

2,595
3000

2,148 25.00%

2500

20.81%
MoU: Rs. MoU: Rs.
20.00%

2000
17.73%
1500
15.00%
2984.31 Crs. 389.25 Crs.
10.00%

1000

YTD: Rs. YTD: Rs.

5.00%
500

0 0.00% 3354.92 Crs. 759.87 Crs

MARCH 31, '18 MARCH 31, '19 DEC 31, '19

TOTAL DEPOSITS (O/S) YOY GROWTH (%)

Absolute growth in deposit as on 31st December 2019 is `759.87 crore from

31st March 2019 which represents 29.28% growth.
We have reached total deposit of `3354.92 crore as on 31st December 2019 BUDGET ACHIEVEMENT % (YTD)
against `2595.05 crore from 31st March 2019.
• FY 2019-20 MOU BUDGET
CASA GROWTH TIMELINE CASA % & TERM DEPOSITS TIMELINE ACHIEVEMENT: 112.42%
2,039

2500 30.00%

63.87%
1,658

61.74% 60.78%
70%

2000
25.00%
61.83%
23.03%
1,328

24.80% 20.00%
60%

CASA PERFORMANCE
1500

17.90% 50%

15.00%

38.26% 38.17% 39.22%

1000 40%
36.13%
10.00% • CASA % (MoU): 65%
30%

500
5.00%
• CASA % (ACTUAL): 60.78%
20%

0 0.00%
CASA %
10%

MARCH 31, '18 MARCH 31, '19 DEC 31, '19 % TERM DEPOSITS (OUT OF TOTAL DEPOSITS)
0%
*YTD: AS ON 31/12/2019
CASA DEPOSITS (O/S) YOY GROWTH (%) MARCH '17 MARCH '18 MARCH '19 DEC' 19
 SBI SPONSORED RRBS : DEPOSITS MOU ACHIEVEMENT AMTS. IN RS. CRORES

COMMENTS & STRATEGIES

1. Deposits increased by `759.87 crores from 31.03.2019 at 29.28% growth rate.

2. We already surpassed annual MoU budget in Deposits in Q3. Percentage of Annual MOU achievement in deposits is 112.42%
(Net MOU achievement in deposits is 195.21%.)
3. CASA YOY growth (Dec 19 over Dec 18) is `570.95 crores. Growth rate is 38.89%.
 DEPOSITS INSURANCE AMTS. IN RS. CRORES

 All your money, to a maximum of Rs 5 lakh is insured by

DICGC, a wholly-owned subsidiary of the RBI.

 Deposit insurance was static at Rs 1 lakh since 1993. Soon after the Union Budget
2020 announcement, insurance cover on bank deposits has been increased from Rs 1
lakh to Rs 5 lakh.
 All commercial banks including branches of foreign banks functioning in India, local
area banks, Regional Rural Banks and all co-operative banks are insured by the DICGC.
 DICGC insures all deposits such as savings, current, fixed, recurring etc. deposits
except Government Deposits, Inter-Bank Deposits.
 If a bank goes into liquidation, reconstructed or amalgamated / merged with another
bank or cancellation of bank’s license, the DICGC pays the bank concerned.
 Who pays the cost of deposits insurance?
- Deposits insurance premium is borne
entirely by the insured bank.
 All funds held in the same type of ownership at the same
bank are added together before deposit insurance is
determined. If the funds are in different types of ownership
or are deposited into separate banks they would then be
separately insured.
 Premium Paid @ 5 paise per Rs. 100 deposits per half year.
 LOANS AND ADVANCES AMTS. IN RS. CRORES

Loans & Advances:

* Loans are credit facility granted to
customers by banks for a specific
purpose, for a particular period of time,
which carries an interest rate on the
debt advanced.
 Loans are the lifeblood of a bank.
 Banks charge interest from the
borrowers and this is the main source
of Bank’s income.
 ADVANCES AMTS. IN RS. CRORES

1. ADVANCES 2. FY ’19-20 PERFORMANCE

SUMMARY

1,436
1,231
1600 18.00%

LEVEL ANNUAL

1,089
16.00%
1400

1200
16.62%
14.00%
(CUMULATIVE) GROWTH (NET)
12.00%

1000

14.13% 13.01% 10.00%

800

8.00%

600

6.00%
MoU: Rs. MoU: Rs.
400
4.00% 1415.67 Crs. 184.65 Crs.
200
2.00%

0 0.00%

MARCH 31, '18 MARCH 31, '19 DEC 31, '19 YTD LEVEL:
YTD : Rs.
TOTAL ADVANCES (O/S) YOY GROWTH (%) Rs. 1435.58
204.58 Crs
Crs.
1. Advances increased by 204.57 crores at 16.62% growth from 31.03.2019.
2. Percentage of MOU achievement in advances is 101.41%.
BUDGET ACHIEVEMENT % (YTD)
3. Total disbursement of loans & advances upto the quarter stood at Rs. 515.36
crores. Total disbursement during FY 2018-19 was Rs. 444 crores. • FY 2019-20 MOU BUDGET
4. Percentage of Agri to Total Loans stood at 17.29% against RBI’s target of 18%. ACHIEVEMENT: 101.41%
5. Percentage of Priority Sector to Total Loans stood at 75.80% against RBI’s target
of 75% for RRBs.

1,088
1200

991
3. SEGMENT WISE GROSS ADVANCES 868 4. SECTOR WISE GROSS ADVANCES
1000
703

800

600

347
319
289
248
240

240
400
11%

45%
24%

10%
200
4%

AGRI SME PER Priority Sector Non Priority Sector

MAR '19 DEC '19 Growth (%)
*YTD: AS ON 31/12/2019
 SBI SPONSORED RRBS : ADVANCES MOU ACHIEVEMENT AMTS. IN RS. CRORES

YIELD ON ADVANCES
 The ratio gives the average lending rate of
the portfolio. High yield on advances is an
indication that the bank lending interest
YoA = Total Interest Earned
Average Loans & Advances x100 rate is high.
 The higher the better.
 ADVANCES: DISBURSEMENT TREND AND PRODUCT PORTFOLIO AMTS. IN RS. CRORES

DISBURSEMENT DURING THE QUARTER SEGMENT - WISE DISBURSEMENT

600
AND TOTAL DISBURSEMENT UP TO Q3

515

328

310
350

500

300

247
400

332

206
250

176
200
300

237
150

104
162
200

85
84
131

81
117

75
107
100
94

140%
100

86%
39%

26%
50

121%

3%
55%
24%

24%

0
0
AGRI SME PER Priority Sector Non Priority
Q1 (JUNE) Q2 (SEPTEMBER) Q3 (DECEMBER) TOTAL
Sector
(up to Q3)
2018 2019 YoY Growth (%) DEC '18 DEC '19 YoY Growth (%)

PRODUCT-WISE OUTSTANDING

600.00 35% 40.00%

497.5 35.00%
500.00
30.00%

400.00
17% 25.00%

20.00%
300.00 11% 243.9 8% 9% 15.00%
4%
200.00 164.4 4% 4% 5% 10.00%
0% 1% 1% 0% 115.3 125.0
0% 0% 76.7 0% 0% 5.00%
100.00 54.8 55.0 62.7
0.0 9.3 19.7 0.0 5.3 0.9 2.3 3.0 0.00%

0.00 -5.00%

OUTSTANDING (% OF TOTAL OUTSTANDING OF RRB)

 CD RATIO AMTS. IN RS. CRORES

 Credit-deposit ratio popularly know as CD ratio is the ratio of how much a bank
lends out of the deposits it has mobilized.
 CD ratio helps in assessing a bank’s liquidity and indicates its health.
 A very low ratio indicates banks are not making full use of their resources, if the
CD ratio is too low, banks may not be earning as much as they could be.
 A high ratio indicates more reliance on deposits for lending, if the ratio is too
high, it means that the banks might not have enough liquidity to cover any
unforeseen fund requirements, may affect capital adequacy and asset-liability
mismatch.
 RBI does not stipulate minimum or maximum level for the ratio, but an ideal CD
ratio is 60%.
CD RATIO (%)
1

CD Ratio = Total Advances x 100 0

Total Deposits MAR MAR MAR DEC

'17 '18 '19 '19
CD RATIO (%) 52.31% 50.71% 47.44% 42.79%
 SBI SPONSORED RRBS : BUSINESS PER EMPLOYEE AMTS. IN RS. CRORES

3. BUSINESS PER EMPLOYEE

2. TOTAL BUSINESS COMMENTS 12.0 11.11 0.3

4,791
6000 25.00%

10.0
9.01 9.15
5000
20.00%
Total Business increased 8.15
0.2

21%
4000
3,826 8.0

20.13%
15.00% from `3826.07 crore as on 6.0
0.2

16%
3000

10.00% 31st March, 2019 to `4790.50 4.0

0.1

11%

2%
2000

1000
5.00% crore as on 31st Dec, 2019 2.0
0.1

0 0.00%
with absolute growth of 0.0 0.0

MAR '17 MAR '18 MAR '19 DEC '19

MAR '19 DEC '19 `964.43 crore @ 20.13%.
TOTAL BUSINESS YOY GROWTH (%) PER EMP BUSINESS (Rs. Crs) Growth (%)
 ASSETS QUALITY AMTS. IN RS. CRORES

1. NPA TIMELINE

84.76
90 7.00%
GROSS NPA AMOUNT

64.69

64.29

63.84
80

NET NPA AMOUNT 5.94% 5.90% 6.00%

70

5.22% 5.44% 5.00%

42.87
GNPA (%) 60

3.94%

33.06
4.00%

32.83
50

NNPA (%)

25.25
40
3.00%
2.82%
GNPA : MoU TARGET 30

2.05% 2.29% 2.00%

20

•5% 10
1.00%

0 0.00%

2. PRODUCT LEVEL GNPA MARCH '18 MARCH '19 DEC '18 DEC '19

SEGMENT-WISE OUTSTANDING & NPAS

3. MOVEMENT OF NPAS
O/S GNPA GNPA
SL SEGMENT-WISE PRODUCTS
(%) 1. GROSS NPAS AS ON 1ST APRIL 2019: Rs. 64.29 Crs.
(RS. CRS) (RS. CRS)
1 AGRI SEG- KCC 54.83 6.25 11.40% 2. ADDITIONS (FRESH NPAS) DURING THE YEAR: Rs. 28.09 Crs.
2 AGRI SEG - TRACTOR 0.00 0.00 0.00%
3. SUB TOTAL (A = 1+2) : Rs. 92.38 CRs.
3 AGRI SEG - SHG 9.27 0.67 3.42%
4. LESS
4 AGRI SEG - GSS 19.70 25.34 20.12%
5 AGRI SEG - GOLD LOAN 0.00 0 0.00% 4 (I). UPGRADATIONS: Rs. 4.19 crs.
AGRI SEG- TERM LOAN OTHER 4 (II). RECOVERIES (EXCLUDING RECOVERIES MADE FROM UPGRADED A/CS): Rs. 2.32 Crs.
6 THAN TRACTOR 164.37 15.79 9.61%
7 PER SEG -HTL- DIRECT 497.49 15.34 3.08% 4. (III). WRITE-OFFS: Rs. 1.11 Crs.

8 PER SEG -HTL- GSS 54.95 0.52 0.95% 5. SUB TOTAL (B) : Rs 7.62 Crs.
9 PER SEG -CAR LOAN 5.30 0.01 0.13%
6. GROSS NPAS AS ON 31ST DEC 2019 ( CLOSING BALANCE = A-B): Rs. 84.76 Crs.
10 PER SEG -PERSONAL LOAN 243.88 7.25 2.97%
11 PER SEG -EDUCATION LOAN 0.88 0.11 12.69% 4. COMMENTS & STRATEGIES
12 PER SEG -OTHER LOAN 62.66 0.14 0.23%

13
SME SEG -DIRECT- MORTGAGED
BACKED 115.31 5.87 5.09%
1. `13 Crore Provision for NPA and `1 Crore Provision for Standard
Assets have been made during current FY.
14 SME SEG -DIRECT- PRIMARY 76.69 18.02 23.50%
15 SME SEG -SHG 2.33 0.27 11.73% 2. Net NPA% is 2.29 as compared to 2.85 in 31.12.2018.
16 SME SEG -GSS (OTHER) 124.97 12.49 9.99% 3. `1.11 crore has been transferred to AUCA during the current FY.
17 ALL OTHERS 2.95 0.02 0.83%
TOTAL 1435.58 84.76 5.90%
 INVESTMENTS AMTS. IN RS. CRORES

2. SLR 3. DEPOSITS WITH OTHER 4. MUTUAL FUNDS

1. DEPOSITS WITH SBI
BANKS

1,137.0

147.1
652.4
580.3
700 45.00%

607.2
160 14.00%

700 50.00%

39.16%
40.00% 1200 60.00%
600
12.87%

532.6
46.61% 55.98% 140

44.03%
45.00% 12.00%
35.00%
600

33.16% 1000 50.00%

379.0

500 40.00%
120

30.00% 10.00%
500
35.00%

800 40.00% 100

400
25.00%

260.8 400 29.90%

30.00% 8.00%

62.1
80
20.00% 25.00% 600 30.00%
300

6.00%
300
20.00%
60
15.00%

187.0
12.84% 400 20.00%

4.19%

26.0
200
15.00% 4.00%
200
40
10.00%

12.62%

81.0
10.00%

100 200 10.00%

100 2.00%
5.00%
5.00% 7.09% 20

1.28%
0 0.00% 0 0.00% 0 0.00% 0 0.00%

MAR '18 MAR '19 DEC '19 MAR '18 MAR '19 DEC '19 MAR '18 MAR '19 DEC '19 MAR '18 MAR '19 DEC '19
( E ) MF
(A) WITH SBI (B) SLR % SHARE OF TOTAL (D) WITH OTH BANKS
INVESTMENTS % SHARE OF TOTAL
% SHARE OF TOTAL % SHARE OF TOTAL
INVESTMENTS
INVESTMENTS INVESTMENTS

 Banks accept deposits from the public for the purpose of

lending and investments with the aim of earning profit.
Deposits  Total Investments portfolio – both SLR and Non-SLR of
the Bank has increased to Rs 2,086.44 crore as on Q3
from 31.03.2019 level of Rs 1,502.85 crore by Rs 583.58
crore @ 38.83%.
Loans Investments
 All SLR investments are made in GoI and State Govt.
Securities only. Non SLR invesments are invested in TDRs
of Banks and SBI Mutual fund.
 PROFITABILITY AMTS. IN RS. CRORES

 Banks make money by taking in funds from depositors and other sources and
then lending money out to customers.
 The bank spread is the difference between what the interest a bank must pay
to obtain the funds and the rate the bank charges on the loan.
 For example, a bank might pay 3% interest to a depositor and charge a
customer 11% interest on a loan. The 8 percentage points is the bank's spread
and its profit.
 Banks earn interest from investments also.

124
140
INTEREST EARNED
117

113
120
96

95
100

67
80

2019
2019

2018
60
2018

2019
2018
40

20
8
7

Int.paid on deposits Int.paid on borrowings Int.income advances Int.income investments

 PROFITABILITY AMTS. IN RS. CRORES

PROFITABILITY Operating

106
120
Profit is Rs
70.77 Crore
94

before
100

Provisions &
74

71

70
69
80

Contingencies

60
50
60

44
43
34
40

26

163.34%
24

63.66%

60.29%
43.34%

24.12%

18
20

8
7
4

1
0

Net Interest Other Income Operating OPERATING Total Provision NET PROFIT
Income Expenses PROFIT
Mar-19 Dec-18 Dec-19 YoY Growth (%)

 Net Interest Income = Interest received from Loans & Investment – Interest paid on Deposits & Borrowings
 Operating Profit = Net Interest Income + Other Income – Operating Expenses
 Net Profit = Operating Profit – Total Provisions
 PROVISION

 A provision is an amount of cash set aside from the profits in

the accounts of a business to cover a known liability or future
liability.
 The purpose of a provision is to make a current year’s
balance more accurate, as there may be costs which could, to
some extent, be accounted for in either the current or
previous financial year.
1. Provision for Pension : 46 crore

2. Provision Wage Arrear : 7 crore

3. Provision for Bad & Doubtful Debts : 13 crore

PROVISIONS MADE
(DURING FY 2019-20) 4. Provision for Std Assets : 1 crore

5. Provision Depreciation on Fix Assets : 1.5 crore

6. Provision Others : 0.72 crore

7. Provision for Income Tax : 0.54 crore

8. TOTAL PROVISIONS made during FY 2019-20 : 69.76 crore

 Transfer Price Mechanism (TPM)
 The prime motto of any business organization is to earn profit, which is necessary for
survival of any institution.
 The branches of banks are spread in different geographical and economic areas
having different business and earning potentiality. The level playing field is not the
same.
 At some centres there may not be much economic activity and earning avenues due
to no scope of lending. But there may be scope and potentials for deposits i.e.,
resource mobilisation. The situation can just be reverse at another centre.
 Hence, at one centre bank’s earning may be more due to its advances portfolio and at
the other centre it may be just the reverse as the centre has only deposit potentials.
Though bank needs both i.e. resources and its deployment.
 Hence a compensatory receipt and payment system has to be followed which would
reflect true and fair picture of branch profits and its efficiency. This mechanism is
known as “ Transfer Price Mechanism”.
 Objectives of Transfer Price Mechanism
 Internal profit distribution.
 To evaluate the true profit and operational efficiency of branches.
 To adequately compensate both deposit mobilising & deploying branches
 To effect equitable distribution of profit
 To deliver stable source of funding over time.
 TOP 5 BANKS’ DEPOSITS TREND AMTS. IN RS. CRORES
(ALL AMTS IN RS. CRS.)

1. SBI DEPOSITS 2. MRB DEPOSITS 3. MCAB DEPOSITS

4,000.00 35.00%

4,850.00
4,789 15.00%

3,500.00 3,355 30.00%

3,100
1,400.00 25.00%

2,595
4,800.00

29.28% 1,193
1,125
3,000.00

965
10.00%

4,750.00 13.51% 25.00%

1,200.00

20.00%

2,500.00 23.69%
4,700.00
4,680 1,000.00

19.45%
20.00%
5.00%

4,650.00
2,000.00
800.00
16.60% 15.00%

20.82% 15.00%

0.00%
1,500.00

4,567
4,600.00 600.00
10.00%

-2.27% 10.00%

4,550.00 1,000.00
400.00
10.42%
-4.63% -5.00%

5.00%

4,500.00 5.00%
500.00 200.00

4,450.00 -10.00%

- 0.00% - 0.00%

31.03.2019 30.09.2019 31.12.2019

31.03.2019 30.09.2019 31.12.2019 31.03.2019 30.09.2019 31.12.2019
SBI DEPOSITS GROWTH % MRB DEPOSITS GROWTH % MCAB DEPOSITS GROWTH %

4. AXIS DEPOSITS 5. HDFC DEPOSITS 6. GROWTH FROM 31.03.2019

400.00 30.00% DEPOSITS
25.52% 349
386
360.00 20.00%
900.00 35.00%
390.00

17.63%
25.00% 350.00 800.00 760
380.00
374 327
15.00%

29.28%
30.00%

700.00
370.00 340.00

10.05% 10.00% 23.67%

25.00%
20.00%
600.00
360.00
330.00

17.82% 5.00%
500.00
20.00%
350.00

320.00
15.00%

340.00 14.13% 0.00% 400.00

328
310.00
17.63% 15.00%

228
300.00
330.00

10.00%
300.00
297 -5.00%

14.13% 10.00%
200.00
320.00

-10.00%

310.00
290.00
100.00
46 52
-109
5.00%
5.00%

-16.56% -15.00%
280.00 -
300.00

SBI MRB MCAB AXIS HDFC

0.00%

(100.00)
290.00 0.00% 270.00 -20.00%

31.03.2019 30.09.2019 31.12.2019 31.03.2019 30.09.2019 31.12.2019 (200.00)

-2.27% -5.00%

AXIS DEPOSITS GROWTH % HDFC DEPOSITS GROWTH % AMOUNT GROWTH %

(in Crore)
 TOP 5 BANKS’ ADVANCES TREND AMTS. IN RS. CRORES
(ALL AMTS IN RS. CRS.)

1. SBI ADVANCES 2. MRB ADVANCES 3. MCAB ADVANCES

1,500.00 18.00%

1,650.00 16.00%
16.62%
16.00%

1,605 1,450.00

680.00
670 25.00%

14.00%
1,600.00

13.95% 1,436 14.00%

660.00 653
13.01%
1,400.00

1,533
12.00%
20.00%
1,550.00 12.00%
640.00

18.04%
1,350.00

10.00%
1,313 10.00%
620.00
19.88%
8.87%
1,500.00

10.04% 1,300.00
15.00%

15.01%
8.00% 600.00

8.00%

1,450.00

1,409 6.00%
1,250.00 1,231 6.64% 580.00 568
10.00%
6.00%

1,400.00 560.00

4.00% 1,200.00

4.00%

540.00
5.00%
1,350.00
2.00%
1,150.00
2.00%
520.00

1,300.00 0.00%

1,100.00 0.00% 500.00 0.00%

31.03.2019 30.09.2019 31.12.2019

31.03.2019 30.09.2019 31.12.2019 31.03.2019 30.09.2019 31.12.2019
SBI ADVANCES GROWTH % MRB ADVANCES GROWTH % MCAB ADVANCES GROWTH %

4. AXIS ADVANCES 5. HDFC ADVANCES 6. GROWTH FROM 31.03.2019

ADVANCES
69
69.00 7.00%

160.00
141 30.00%
250.00 30.00%

68.50

6.36% 68 6.00%

131 28.53%
68.00
140.00

25.00%
196 205 28.53% 25.00%

200.00

67.50
5.00%
120.00
109
4.38% 19.84% 20.00%
18.04%
16.62%
20.00%
67.00

4.00%
100.00
20.22% 150.00

66.50

3.41% 80.00 15.00%

13.95% 15.00%

66.00
66
3.00%
102
100.00
60.00

10.00% 10.00%
65.50
2.00%

40.00

65.00 4.38%
1.00%
5.00%
50.00

32 5.00%

20.00
64.50

3
64.00 0.00% - 0.00% - 0.00%

31.03.2019 30.09.2019 31.12.2019 31.03.2019 30.09.2019 31.12.2019 SBI MRB MCAB AXIS HDFC
AXIS ADVANCES GROWTH % HDFC ADVANCES GROWTH % AMOUNT GROWTH %
(in Crore)
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