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8/6/2019 Analyst Presentation 31032011 FINAL
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Relationship beyond banking 1
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Relationship beyond banking
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Relationship beyond banking 3
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Relationship beyond banking
Awards & AccoladesAwards & Accolades
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NewNew IntiativesIntiatives
6
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ITIT IntiativesIntiatives
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Promoter(GOI),
65.86%FIs/Banks, 0.21%
Insurance Cos,
10.43%
Mutual Funds,
1.85%
Corporate
Bodies, 1.37%
NRIs/FII, 14.72%Indian Public,
5.56%Mar-11
Promoter(GOI)
Is/B sI s r ce Cos
t s
Cor or te Bo es
NRIs/ II
I P b c
Investor ProfileInvestor Profile-- Shareholding Pattern (%)Shareholding Pattern (%)
8
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Global FootprintsGlobal Footprints Foreign Branches of the BankForeign Branches of the Bank
Japan (Tokyo & Osaka)
Phnom Penh
SingaporeJakarta
Ho Chi MinhHong KongKowloon
Shenzen
Joburgh (SA)
Kenya (Nairobi, Mombasa,Ind Area & Westlands)
Europe-France (Paris)
-Belgium (Antwerp)
UK (London + 7branches)
Channel Islands
USA (New York & SFO)
West Indies- Cayman Islands
Tanzania(Subsidiary)
Dubai
9
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Strategic InvestmentsStrategic Investments -- All iances & Jt. VenturesAlliances & Jt. Ventures
10
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Strategic InvestmentsStrategic Investments -- All iances & Jt. VenturesAlliances & Jt. Ventures
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Credit RatingCredit Rating -- International & DomesticInternational & Domestic
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HighlightsHighlights
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Major Business ParametersMajor Business Parameters
14
Quarter ended
Mar-10 Jun-10 Sep-10 Dec-10 Mar -11
Business Mix 4,010,788 4,104,927 4,254,479 4,452,795 5,150,401
Deposits 2,297,619 2,336,678 2,410,711 2,525,257 2,988,858
Advances 1,713,169 1,768,249 1,843,768 1,927,538 2,161,543
Operating Profit 12,754 14,106 13,796 13,888 12,053
Net Profit 4,279 7,251 6,168 6,532 4,936
NIM (%) 2.57 2.89 2.81 3.09 2.94
Gross NPA (%) 2.85 2.71 2.64 2.36 2.23
Net NPA (%) 1.31 1.18 1.14 0.88 0.91
Return on Assets(%) 0.65 1.05 0.87 0.89 0.61
Rtn. on Equity (%) 13.74 22.63 18.29 18.50 13.19
Book Value (INR) 236.84 250.63 262.36 274.78 283.24
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Relationship beyond banking
Domestic Deposits (CASA)
5 1 3 ,3 3 4 527,663567,141
618,430648,993
680,678 692,872731,385
3 9 4 ,1 8 7 418,180441,295
477,680506,541
5 4 1 ,5 3 2 556,665587,218
119,147 109,483 1 2 5 ,8 4 6140,750 142,451 139,146 136,207 144,167
0
10 0,000
200,000
300,000
400,000
500,000
60 0,000
70 0,000
80 0,000
Jun-09 Sep-09 Dec-09 Mar-10 Jun-10 Sep-10 Dec-10 Mar-11
CASA
SB
CD
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METRO1571.85
62%
URBAN
424.09
17%
SEMIURBAN
271.70
11%
RURAL
261.99
10%
Mar'11
Domestic Deposits Category-wise
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361.23 510.07
1,351.941,651.471713.17
2161.54
0
1000
2000
3000
March'10 March'11
FOREIGN INDIAN GLOBAL
Gross Advances
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METRO
1153.6
70%
URBAN
246.8
15%
SEMIURBAN
116.02
7%
RURAL
135.02
8%
Mar 11
Domestic Advances Category Wise as on 31.03.2011
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Relationship beyond banking
Key Sectors(Domestic Credits)
Mar-10 Mar-11 % Y-o-Y
Growth
Agriculture 182,560 227,380 24.55
SME (Priority & Non Priority) 295,680 355,860 20.35
Retail Credit 157,500 166,480 5.70
Corporate 716,200 901,750 25.90
20
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Major Industry-wise Advances - Domestic
21
Mar-10 June-10 Sep-10 Dec-10 Mar-11YoY
Growth %
Textiles 59,200 59,210 61,820 63,690 71,700 21.12
Chemicals & Chemicalproducts
38,360 37,350 38,840 39,240 43,790 14.16
Rubber, Plastic & their
products12,820 13,670 15,550 16,160 18,730 46.10
Basic metal & metal
products84,210 91,260 91,450 93,390 104,860 24.52
Vehicles, vehicle parts
& Transport
equipment17,890 14,900 22,360 23,340 23,600 31.92
Gems & Jewellery 23,210 22,930 25,470 25,530 28,110 21.11
Infrastructure 164,950 190,880 200,610 200,980 204,040 23.70
Other Industries 143,130 146,650 116,720 122,570 143,280 0.10
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Advances to Sensitive Sectors - Domestic
22
SECTORMAR-10 JUNE-10 SEP-10 DEC-10 Mar-11
% of Total
Advances
Total Advances 1,351,940 1,393,591 1,446,963 1,509,030 1,651,472 100%
REAL ESTATE 182,153 194,960 177,350 194,974 203,623 12.33%
Out of w ic
HOUS
OA71,500 84,500 74,490 75,610 74,783 4.53%
MO T A
OA17,210 16,590 15,770 15,190 14,950 0.91%
COMML.
REALESTATE 59,962 52,790 47,010 47,013 40,546 2.46%
Ot ers(I vest
& I direct)33,461 41,080 40,800 58,540 73,344 4.44%
CAPITAL
MARKET33,204 33,015 30,600 33,044 32,451 1.97%
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Overseas Advances - Breakup
* Others include Staff Loans,Bills discounted for other banks, syndication/ECB loans,
FCTL, etc.
Mar-10 Mar-11
TRA E 31,896.3 43,294.7
MA U ACTURING 51,960.8 56,487.3
REAL ESTATE 10,941.8 10,335.4
LOAN AGAINST EPOSITS 7,450.6 10,367.2
BUYERS CREDIT 180,430.0 287,181.3
OTHERS * 78,549.7 102,405.1
TOTAL 361,229.2 510,071.0
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Domestic oreign Global
>10Mn < 10Mn Total Amount Amount Amount
As on 31.03.2010 74,750 17,110 91,860 14,267 106,127
Additions during Q1 3,020 - 3,020 - 3,020
LessRe ayment in
Restructured a/cs
-3,730 -4,130 -7,860 -7,860
As on 30.06.2010 74,040 12,980 87,020 14,267 101,287
Additions during Q2 3,266 192 3,458 - 3,458
LessRe ayment in
Restructured a/cs
-4,421 - -4,421 -4,421
As on 30.09.2010 72,885 13,172 86,057 14,267 100,324
RESTRUCTURED ACCOUNTS
Includes all facilities of the borrowers
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Domestic oreign Global
>10Mn < 10Mn Total Amount Amount Amount
As on 30.09.2010 72,885 13,172 86,057 14,267 100,324
Additionsduring Q3 6,967 220 7,187 7,187
LessRe ayment in
Restructured a/c s / Exc ange
fluctuation
-2,322 0 -2,322 - 1,709 -4031
As on 31.12.2010 77,530 13,392 90,922 12,558 103,480
Additionsduring Q4 5,108 2,297 7,405 - 7,405
LessRe ayment in
Restructured a/c s
-3,965 -238 -4,203 - 236 -4,439
As on 31.03.2011 78,673 15,451 94,124 12,322 106,446
RESTRUCTURED ACCOUNTS (Contd)
Includes all facilities of the borrowers
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MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS
Domestic oreign Global % of Total
Restructured
A/cs
>10Mn < 10Mn Total
Amount
Amount Amount
As on 31.03.2010 16,154 1,507 17,661 - 17,661 16.64
Additions during Q1 718 69 787 - 787
LessRe ayment in
Restructured a/c s1,092 101 1,193 - 1,193
As on 30.06.2010 15,780 1,475 17,255 - 17,255 17.01
Additions during Q2 2,430 227 2,657 - 2,657
LessRe ayment in
Restructured a/c s507 189 696 - 696
As on 30.09.2010 17,703 1,513 19,216 - 19,216 19.15
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Relationship beyond banking
MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS (Contd)
27
Domestic oreign Global % of Total
Restructured
A/cs
>10Mn < 10Mn Total
Amount
Amount Amount
As on 30.09.2010 17,703 1,513 19,216 - 19,216 19.15
Additions during Q3 252 24 276 - 276
LessRe ayment in
Restructured a/c s /
Exc ange fluctuation
1,428 575 2,003 - 2,003
As on 31.12.2010 16,527 962 17,489 - 17,489 16.90
Additions during Q4 972 326 1,298 - 1,298
LessRe ayment in
Restructured a/c s614 35 649 - 649
As on 31.03.2011 16,885 1,253 18,138 - 18,138 17.04
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Relationship beyond banking
Sector-wise breakup of restructured accounts (>10 Mn)
(Domestic) in Q4
28
SECTOR AMOUNT
AGRICULTURE 141
CEMENT 255
CHEMICALS 902
HOTEL 973
INFRASTRUCTURE 273
MISC 261
OTHERMETAL 262
STEEL 293
SUGAR 341
TEXT 1071
TRADING 336
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Restructured A/Cs Slipped (>Rs.10 Mn) (Domestic)
29
June 09 Sep 09 Dec 09 Mar 10 June 10 Sep 10 Dec 10 Mar 11
Number of
Accounts
slipped during
Quarter
7 34 24 34 6 19 6 13
Amount in
INR/Mn
730 8,390 3,600 3,430 718 2,430 252 972
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Sector-wise breakup of restructured accounts Slipped
(>10 Mn) (Domestic)
30
Industry Amount
AGRICULTURE 14.73
CHEMICALS 14.42
ENGINEERING 102.86
INFRASTRUCTURE 281.87
MISC 57.86
SERVICES 354.17
STEEL 87.71
TEXTILES 11.94
TRADING 46.59
TOTAL 972.13
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Sector-wise breakup of restructured accounts Slipped to
NPA (>10 Mn) (Domestic)
31
S.No Sector Qtr
Jun10
Qtr
Se 10
Qtr
Dec10
Qtr
Mar11
1 AGRICULTURE 0 0 18 15
2 CHEMICALS 382 416 0 14
3 CRE 0 33 0 04 ENGINEERING 100 18 17 103
5 INFRASTRUCTURE 0 51 0 281
6 MISC 236 754 59 58
7 PAPER & PAPERPRODUCTS 0 17 0 0
8 SERVICES 0 211 0 354
9 STEEL 0 0 0 88
10 TEXTILES 0 910 0 12
11 TRADING 0 20 158 47
AGGREGATE 718 2430 252 972
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NPA Ratio
1 89
2 61 2 6
2 85
2 1 2 64 2 36 2 23
0 841 08 1 03
1 31 1 18 1 140 9 0 91
0
1
2
3
Jun 09 Sep 09 Dec-09 Mar-10 Jun-10 Sep-10 Dec-10 Mar-11
Gro P %
et P %
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Mar-10 June-10 Sep-10 Dec-10 Mar-11
GrossNPA 48,826 47,945 48,696 45,421 48,116
Net NPA 22,074 20,612 20,704 16,603 19,450
Gross NPA % 2.85 2.71 2.64 2.36 2.23
Net NPA % 1.31 1.18 1.14 0.88 0.91
Provision Coverage
Ratio %
65.51 68.32 70.03 74.52 72.18
NPAs
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NPA Movement
Mar-10 Mar-11
Indian Foreign Global Indian Foreign Global
Opening GrossNPA 21,897 2,812 24,709 44,812 4,015 48,826
Total Reduction 15,280 408 15,688 27,076 1,059 28,135
Recovery 6,037 179 6,216 8,721 232 8,953
Upgradation 1,814 221 2,035 10,141 237 10,378
Write-off 7,429 8 7,437 8,214 590 8,804
Slippages 39,967 1,649 41,616 27,500 1,622 29,122
Net
Addition/Reduction 24,687 1,241 25,928 424 563 987
GrossNPA 46,584 4,053 50,637 45,236 4,578 49,813
Less Unrealised
Interest on NPA1,772 38 1,809 1,670 27 1,697
Closing Gross NPA 44,812 4,015 48,826 43,566 4,551 48,11634
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Relationship beyond banking
NPA Sequential Movement
Mar-10 June-10 Sep-10 Dec-10 Mar-11
Opening Gross NPA 41870 48,826 47,947 48,696 45421
Total Reduction 7,668 6,907 6,694 7,813 6,721
Recovery 2,066 2,4151,851 2,076 2,611
Upgradation 485 2,090 1,153 6,109 1,026
Write-off 5,117 2,402 3,690 -372 3,084
Slippages 15,026 6,180 8,184 4,765 9,993
Net Addition/Reduction7,358 727 -1,489 3,048 -3,272
Gross NPA 49,228 48,099 49,436 45,648 48,693
Less Unrealised Interest
on NPA402 153 740 227 577
Closing Gross NPA 48,826 47,947 48,696 45,421 48,116
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Mar-10 June-10 Sep-10
Indian Foreign Global Indian Foreign Global Indian Foreign Global
Closing Gross
NPA 44,812 4,015 48,826 43,869 4,077 47,947 44,232 4,464 48,696
Total Nettable
Credits 24,023 2,728 26,751 25,882 2,817 28,699 26,486 2,914 29,400
NPAProvision 19,265 2,728 21,993 19,838 2,817 22,655 18,768 2,899 21,667
Other credits 4,758 - 4,758 6,044 - 6,044 7,718 15 7,733
Net NPA 20,789 1,286 22,075 19,360 1,260 20,620 19,139 1,565 20,704
Gross NPA
Ratio (%) 3.31 1.11 2.85 3.15 1.09 2.71 3.06 1.13 2.64
Net NPA Ratio(%) 1.57 0.36 1.31 1.42 0.34 1.18 1.35 0.40 1.14
Provision
Coverage
Ratio (%)65.34 67.96 65.51 68.27 69.13 68.32 70.38 64.93 70.03
NPA Ratios
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Dec-10 Mar- 11
Indian Foreign Global Indian Foreign Global
Closing Gross NPA 40,982 4,438 45,421 43,566 4,551 48,116
Total Nettable Credits27,307 3,200 30,507 25,482 3,184 28,666
NPA Provision 19,556 3,185 22,741 19,064 3,184 22,248
Other credits 7,751 15 7,766 6,418 0 6,418
Net NPA 15,348 1,254 16,603 18,392 1,367 19,450
Gross NPA Ratio (%) 2.72 1.06 2.36 2.64 0.89 2.23
Net NPA Ratio (%) 1.04 0.30 0.88 1.13 0.27 0.91
Provision Coverage Ratio (%) 74.72 71.74 74.52 71.87 69.98 72.18
NPA Sequential Ratios
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Relationship beyond banking
Sector wise Breakup of NPA - Domestic
Mar- 11 % of Total NPA
% of Total
Sectoral
Advances
Agriculture
6511.00 14.94 2.94Industry
16192.00 37.16 2.56
Services13714.00 31.48 2.29
PersonalLoans7149.00 16.41 4.30
DOMESTIC( TOTAL) 43566.00
FOREIGN4549.50
GLOBAL(TOTAL) 48115.50
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Relationship beyond banking
Overseas NPAs
Mar -10 Mar- 11
TRADE 1,786.9 2,018.7
MANUFACTURING 340.3 600.2
REAL ESTATE 1,173.6 1,222.1
OTHERS 713.6 708.5
TOTAL 4,014.4 4,549.5
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Relationship beyond banking
Profitability(Qtr sequential)
10 ,
12,06011 ,2
12,754
14,106 13 ,7
6 13 ,
12,053
5,
43
3,2334,055 4,27
7,251
6,168 6 ,532
4,
36
13 ,006
14,08914,948
15,517
17,405 17,761
19 ,86 9
23 ,073
0
5000
10000
15000
20000
25000
Jun 09 S
p 09
09
r 10 Jun 10 S
p 10
10
r 11
Operati Profit
Net Profit
N
40
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Relationship beyond banking
Profit Summary
41
QtrMar 2010
QtrJune 2010
QtrSep 2010
QtrDec2010
QtrMar 11
VariationY-o-Y (%)
1 Interest Earned 45,251 48,217 51,556 54,675 63,069 39.38
2 Interest Expended 29,734 30,812 33,795 34,806 39,996 34.51
3
Net Interest Income
(1 - 2) 15,517 17,405 17,761 19,869 23,073 48.69
4 Non-Interest Income 7,232 5,859 5,845 6,482 8,231 13.81
5
Total Operating Income
(3+4) 22,749 23,264 23,606 26,351 31,304 37.61
6 Operating Expenses 9,995 9,158 9,810 12,463 19,251 92.61
7 Operating Profit (5 - 6) 12,754 14,106 13,796 13,888 12,053 -5.50
8 Total Provision 8,475 6,854 7,628 7,356 7,117 -16.02
9 Net Profit 4,279 7,251 6,168 6,532 4,936 15.35
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Relationship beyond banking
Profitability (Y-o-Y)
IncomeYear ended
Y-o-Y %Mar 10 Mar 11
1. Total Income 204,946 243,935 19.02
a.Interest Income 178,780 217,517 21.67
b.Non Interest Income 26,166 26,418 0.96
2. Total Expenditure 157,899 190,093 20.39
a.Interest expended 121,220 139,410 15.01
b. Operating Expenses 36,678 50,682 38.18
3. Operating Profit 47,048 53,842 14.44
4. Profit before Tax 24,938 34,954 40.16
5. Profit After Tax 17,411 24,887 42.94
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Relationship beyond banking
Profit Geographical Distribution
Year endedY-o-Y %
Mar 10 Mar 11
Operating Profit
Global 47,048 53,842 14.44
Indian 41,607 46,280 11.23
Foreign 5,441 7,562 38.98
Provisions
Global 29,637 28,955 -2.30
Indian 27,151 26,347 -2.96
Foreign 2,486 2,608 4.91
Net Profit
Global 17,411 24,887 42.94
Indian 14,456 19,933 37.89
Foreign 2,955 4,954 67.65
43
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Net Interest Income
44
Qtr
Mar-10
Qtr
June-10
Qtr
Sep-10
Qtr
Dec-10
Qtr
Mar-11
Variation
Y-o-Y(%)
TOTAL INTEREST INCOME 45,250 48,217 51,555 54,675 63,069 39.38
INT. INCOME FROM
ADVANCES 32,752 34,919 36,598 40,234 43,252 32.06
INT. INCOME FROM
INVESTMENTS 11,932 11,776 13,071 12,750 14,119 18.33
OTHER INTEREST INCOME 566 1,522 1,886 1,691 5,698 906.71
TOTAL INTEREST EXPENDED 29,733 30,813 33,795 34,806 39,996 34.52
INT. EXPENDED ON DEPOSITS 26,068 27,498 29,160 29,879 35,249 35.22
INT. EXPENDED ONBORRROWINGS 1,660 1,251 2,065 2,473 2,340 40.96
INTEREST EXPENSES ON
SUBORDINATED DEBT etc. 2,005 2,063 2,570 2,454 2,408 20.10
NET INTEREST INCOME 15517 17,405 17,760 19,869 23,073 48.69
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Relationship beyond banking 45
Net Interest Income(Y-o-Y)
Particulars
Year endedVariation
Y-o-Y %Mar-10 Mar-11
Interest Income 178,779 217,517 21.67
a.From Advances 131,032 155,002 18.29
b.From Investments 44,643 51,717 15.85
c. Ot erInterest Income 3,105 10,797 47.73
Interest Expended 121,220 139,410 15.01
a. On Deposits 108,122 121,786 12.64
b. On Borrowings 5,556 8,129 1.46
c. SubordinatedBonds 4,665 6,350 36.12
d. Ot ers 2,877 3,146 9.35
Net Interest Income 57,559 78,107 35.70
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Non-interest Income
46
QtrMar-10
QtrJune-10
QtrSep-10
QtrDec-10
QtrMar- 11
Variation
Y-o-Y
(%)
Treasury:
PROFIT FROM SALE OF SECURITIES 661 999 360 592 1,266 91.53
PROFIT FROM EXCHANGE TRANSACTIONS 1,283 1,309 1,111 1,271 1,334 3.98
Sub Total (A) 1,944 2,308 1,471 1,863 2,600 33.74
Core-banking Operations:
COMMISSION / EXCHANGE / BROKERAGE 3,338 2,498 3,007 2,838 3,468 3.89
OTHER NON-INTEREST INCOME 1,015 684 1,065 1,124 1,244 22.56
Sub Total (B) 4,353 3,182 4,072 3,962 4,712 8.25
RECOVERY IN WRITTEN OFF ACCOUNTS (C) 935 369 301 658 919 -1.71
TOTAL NON-INTEREST INCOME (A+B+C) 7,232 5,859 5,845 6,483 8,231 13.81
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ParticularsYear ended Variation
Y-o-Y %Mar-10 Mar-11
Commission, Exchange & Brokerage 10,965 11,810 7.71
Profit from Sale of Investments 5,936 3,219 -45.77
Profit from Exchange Transactions 3,718 5,025 35.15
Recovery In W/o accounts 2,137 2,247 5.15
Other Non Interest Income 3,410 4,117 20.73
Total Non Interest Income 26,166 26,418 0.96
Core Non Interest IncomeNet of Treasury & Recovery in W/o Accounts
14,375 15,927 10.80
47
Non Interest Income(Y-o-Y)
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Relationship beyond banking
Operating Expenses - A break up
48
QtrMar-10
QtrJune-10
QtrSep-10
QtrDec-10
QtrMar-11
VariationY-o-Y
(%)
Payments to & Prov. forEmployees
5,986 5,738 6,031 8,369 14,616 144.17
Rent, Taxes & Lighting 638 619 700 722 728 14.11
Printing & Stationery 111 104 112 111 129 16.22
Advertisement &Publicity
316 21 83 145 337 6.65
Dep. on Bank's Property375 236 287 339 544 45.07
Auditors' Fees &Expenses
81 97 89 78 94 16.05
Law Charges 31 31 31 58 38 22.58
Postage, Telegram,
phones etc 130 80 86 93 140 7.69
Repairs & Maintenance 121 107 110 112 123 1.65
Insurance 432 468 459 474 484 12.04
Other Expenditure 1,773 1,656 1,821 1,962 2,018 13.82
TOTAL 9,995 9,158 9,809 12,463 19,251 87.91
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Operating Expenses (Y-o-Y)
49
ParticularsYear ended Variation
Y-o-Y %Mar-10 Mar-11
Payments to & Prov. for Employees 22,960 34,754 51.37
Rent, Taxes & Lighting 2,440 2,768 13.44
Printing & Stationery 386 457 18.39
Advertisement & Publicity 475 586 23.37
Dep. on Bank's Property 1,013 1,406 38.80
Auditors' Fees & Expenses 321 358 11.53
Law Charges 103 158 53.40
Postage, Telegram, phones etc 321 398
23.99
Repairs & Maintenance 438 453 3.42
Insurance 1,639 1.886 15.07
Other Expenditure 6,577 7,458 13.40
TOTAL 36,677 50,681 38.18
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Net Profit
50
Qtr
Mar-10
Qtr
June-10
Qtr
Sep-10
Qtr
Dec-10
Qtr
Mar-11
OPERATING PROFIT 12,754 14,106 13,796 13,888 12,053
TOTAL PROVISIONS 8,475 6,855 7,628 7,356 7,117
-PROVISIONFORNPA 6,600 3,078 2,863 1236 3,367
-PROVISIONFOR
INVESTMENTS1,061 5 628 658 78
-PROVISIONFOR
TAXATION
385 2,996 2,354 2,377 2,340
-OTHERPROVISIONS 429 776 1,783 3,085 1,332
NET PROFIT 4,279 7,251 6,168 6,532 4,936
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Net Profit (Y-o-Y)
51
Year ended
Mar 10
Year ended
Mar 11
Variation
Y-o-Y(%)
OPERATING PROFIT 47,048 53,842 14.44
TOTAL PROVISIONS 29,637 28,955
-PROVISIONFORNPA 17,542 10,543 -39.90
-PROVISIONFORINVESTMENTS 2,435 1,369 -43.78
-PROVISIONFOR TAXATION 7,528 10,067 33.73
-PROVISIONFOR STANDARD ASSETS 310 1,500 383.87
-PROVISIONFORFITL 900 -
-PROVISIONFORRESTRUCTURE 550 610 10.90
- FLOATINGPROVISION - 1,580- PROV.FORCLAIM AGAINST BANKS - 2,160
- DEBT WAIVER/DEBT RELIEF 80 560 600
-OTHERPROVISIONS 292 566 93.84
NET PROFIT 17,411 24,887 42.94
A i ti
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Appropriations
Mar 10 Mar 11
Statutory Reserve 4,500 6,250
Revenue Reserve 6,256 12,158
Capital Reserve 379 50
Special Reserve Currency Swap -11 - 14
Dividend (including dividend tax) 4,286 4,443
Special Reserve u/s Sec36(1) (viii) OF Income Tax Act,1961 2,000 2,000
TOTAL 17,410 24,887
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Cost & Yield Ratios Quarterly Comparison
53
Qtr Mar-10 Qtr June-10 Qtr Sep-10 Qtr Dec 10 Qtr Mar 11
INDIAN FOREIGN GLOBAL INDIAN FOREIGN GLOBAL INDIAN FOREIGN GLOBAL INDIAN FOREIGN GLOBAL INDIAN FOREIGN GLOBAL
Cost of
Deposits5.39 1.26 4.79 5.37 1.28 4.79 5.65 1.30 4.99 5.61 1.28 4.97 6.08 1.15 5.32
Yield on
Advances9.58 2.81 8.12 9.89 2.89 8.38
10.0
43.09 8.47 10.35 3.05 8.78 10.67 2.82 8.81
Yield on
Investments7.22 4.16 6.98 7.14 4.04 6.90 7.48 4.22 7.26 7.93 4.67 7.71 8.27 4.68 8.04
Yield on
Funds7.66 3.17 6.90 7.74 3.19 6.96 8.05 3.42 7.25 8.29 3.30 7.43 8.71 3.21 7.76
Cost of
Funds5.05 2.00 4.53 4.95 2.02 4.45 5.32 2.04 4.75 5.32 1.89 4.73 5.54 1.95 4.92
N.I.M. 3.01 0.96 2.57 3.29 1.20 2.89 3.17 1.37 2.81 3.49 1.45 3.09 3.38 1.24 2.94
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Mar 2010 Mar 2011
Indian Foreign Global Indian Foreign Global
Cost of Deposits 5.79 1.62 5.16 5.69 1.25 5.03
Cost of Funds 5.42 2.17 4.84 5.13 1.90 4.57
Yield on Advances 9.77 3.29 8.42 10.25 2.96 8.62
Yield on Investments7.68 4.98 7.46
7.83 4.38 7.59
Yield on Funds 7.96 3.34 7.14 7.97 3.16 7.14
Interest Spread 2.54 1.17 2.30 2.84 1.26 2.56
Net Interest Margin 2.92 1.00 2.51 3.31 1.31 2.92
54
Profit Ratios (Y-o-Y)
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2 83
3 08 3 11 3 013 29 3 17
3 49 3 38
1 070 87 0 82 0 96
1 201 37 1 45 1 24
2 422 57 2 6 2 57
2 89 2 813 09
2 94
0 00
0 50
1 00
1 50
2 00
2 50
3 00
3 50
4 00
un-09 Se -09 ec-09 Ma -10 un-10 Se -10 ec-10 Ma -11
omestic
Foreign
Global
55
Profit Ratios(Quarterly comparison)
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RatiosRatios Quarterly ComparisonQuarterly Comparison
Mar 10 June 10 Sep-10 Dec-10 Mar-11
Cost to Income Ratio 43.94 39.37 41.56 47.30 61.50
Non Interest income to
Operating Expenses 72.36 63.98 59.58 52.01 42.76
Asset Utilization Ratio 1.95 2.04 1.94 1.89 1.48
Return on Assets 0.65 1.05 0.87 0.89 0.61
Return on Equity 13.74 22.63 18.29 18.50 13.19
Earnings Per Share
(Basic & Diluted) 8.15 13.81 11.74 12.44 9.37
Book value per share 236.84 250.63 262.36 274.78 283.24
Net worth (Rs. in Mn) 124,560 131,811 137,979 144,511 154,995
56
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RatiosRatios (Y(Y--oo--Y)Y)
Year Ended
Mar-10
Year Ended
Mar-11
Cost to Income Ratio 43.81 48.49
Non Interest income to Operating Expenses 71.34 52.12
Asset Utilization Ratio 1.88 1.77
Return on Assets 0.70 0.82
Return on Equity 14.76 17.80
Earnings Per Share (Basic & Diluted) 33.15 47.35
Book value per share236.84 283.24
Net worth (INR/Mn) 124,560 154,995
Bus. per employee (INR/Mn) 101.1 128.4
Bus. per branch (INR/Mn) 1,239.4 1,463.6
57
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InvestmentsInvestments -- DomesticDomestic
58
Mar-10 Mar-11
AFS HTM HFT TOTAL AFS HTM HFT TOTAL
1 SLRINVESTMENTS 126,770 449,473 729 576,972 155,415 523,075 100 678,590
OFWHICH:
GOVERNMENTSECURITIES 125,139 446,443 729
572,311154,316 521,020 100 675,436
OTHERAPPROVEDSECURITIES 1,631
3,030 4,661 1,099 2,055 - 3,154
MDuration 4.45 5.34 6.68 5.14 1.96 5.54 7.24 4.72
2 NON SLRINVESTMENTS 41,318 8,697 47 50,062 135,419 10,680 13 146,112
MDuration 2.92 0.23 2.57 0.82 0.18 0.80
TOTAL 168,088 458,170 776 627,034 290,834 533,755 113 824,702
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Type of Investment Book Value Total Provision
G-Sec 19,694 -
Bonds /CLN Lehman Bros 1,397 1,397
Bonds-Others 10,827 1,162
CLN (Other issuers) 9,012 793
Total 40,930 3,352
InvestmentsInvestments ForeignForeign (Position as on(Position as on 31.03.2011)31.03.2011)
59
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Capital AdequacyCapital Adequacy Basel IIBasel II
60
31.03.2010 30.06.2010 30.09.2010 31.12.2010 31.03.2011
Tier I Capital 137,250 138,540 142,090 140,700 170,470
Tier II Capital 72,180 78,890 79,060 78,360 78,670
Total Capital 209,430 217,430 221,150 219,060 249,140
Total Assets 2,749,660 2,792,052 2,896,250 2,991,853 3,511,725
Risk Weighted
Assets 2,047,170 1,636,480 1,695,310 1,764,450 2,047,620
CRAR - Tier I (%)
8.48 8.47 8.38 7.97 8.33
CRAR - Tier II
(%) 4.46 4.82 4.66 4.44 3.84
CRAR (%) 12.94 13.29 13.04 12.41 12.17
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1,121 1,1171,156
1,2391,265 1,258
1,310
1,464
1000
1100
1200
1300
1400
1500
Jun-09 Sep-09 Dec-09 Mar-10 Jun-10 Sep-10 Dec-10 Mar-11
ProductivityProductivity
85 87 91101 101 103 108
128
0
100
Jun-09 Se -09 Dec-09 Ma -10 Jun-10 Se -10 Dec-10 Ma -11
61
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Way AheadWay Ahead