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PERFORMANCE HIGHLIGHTS JUNE 2013

PERFORMANCE HIGHLIGHTS JUNE 2013. HIGHLIGHTS – Q1 FY14. Global Business- ` 631863 crore , up by 13% y.o.y Global Deposits - ` 381972 crore , up by 14% y.o.y Advances (Net) - ` 249891 crore , up by 11% y.o.y

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PERFORMANCE HIGHLIGHTS JUNE 2013

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  1. PERFORMANCE HIGHLIGHTS JUNE 2013

  2. HIGHLIGHTS – Q1 FY14 • Global Business- ` 631863 crore, up by 13% y.o.y • Global Deposits - `381972 crore, up by 14% y.o.y • Advances (Net) - `249891 crore, up by 11% y.o.y • Capital Adequacy Ratio -11.35% (9% norm). Tier I Ratio -9.03% (6.5% norm) under new Basel III. • CASA Ratio at 24.2%, marginally up y.o.y from 24% • Non-Interest Income- `1238 crore, up by 79% y.o.y • Non Interest Income Share up at 11.8% from 7.6% y.o.y Major Highlights

  3. HIGHLIGHTS – Q1 FY14 • Operating Profit - ` 1898 Crore, up by 36.20% y.o.y • Net Profit - ` 792 Crore, sequentially up by 9.2% & y.o.y up by 2.2% • Net Interest Margin (NIM) – 2.21% • Return on Assets (RoA) – 0.75% • Cost – Income Ratio – 41.22% • Gross NPA Ratio - 2.91% • Net NPA Ratio - 2.48% • Record Cash Recovery at `888crore • 161 New Branches and 647 ATMs added y.o.y Major Highlights

  4. PERFORMANCE HIGHLIGHTS- BUSINESS Amt. in ` Crore • Note : SEQ- Sequential Quarter – Q1FY14 over Q4FY13

  5. PERFORMANCE HIGHLIGHTS- OVERSEAS BUSINESS

  6. PERFORMANCE HIGHLIGHTS- PROFITABILITY-Q1 FY14 Amt. in ` Crore

  7. PERFORMANCE HIGHLIGHTS- PRODUCTIVITY RATIOS

  8. PERFORMANCE HIGHLIGHTS- EXPANDING THE REACH 3765 domestic Branches 5 overseas branches at London, Leicester, Shanghai, Manama & Hong Kong

  9. BUSINESS SEGMENTS

  10. SEGMENT WISE DEPOSITS Amt. in `Crore

  11. HIGH COST DEPOSITS % share in total Deposit

  12. LOANS & ADVANCES SEGMENT Amt. in `Crore

  13. ACHIEVEMENT UNDER MANDATED TARGETS – PRIORITY SECTOR Mandated Targets under Priority Sector • Achieved the mandated targets in respect of • Agriculture (18.83% against 18% norm) • Direct agriculture (17.48% against 13.5% norm) • Credit to specified minority communities (18.40% against 15% norm) • Weaker Section (12.07% against 10% norm) • M&SE (22.8% y.o.y growth against 20% norm) • Number of Micro Enterprises accounts (31% growth against 10% norm)

  14. Performance of Retail Advances Amt. in ` Crore

  15. EXPOSURE - INFRASTRUCTURE Amt. in ` Crore

  16. EXPOSURE - POWER SECTOR & AVIATION Amt. in ` Crore

  17. EXPOSURE TO SENSITIVE SECTORS Amt. in ` Crore

  18. FINANCIALS

  19. PROFITABILITY Amt. in ` Crore

  20. PROFIT Amt. in ` Crore

  21. BREAK-UP : INCOME Amt. in ` Crore

  22. BREAK-UP: NON-INTEREST INCOME Amt. in ` Crore

  23. PROVISIONS Amt. in ` Crore

  24. EARNINGS PROFILE In %

  25. TREND IN COST AND YIELD (%) In %

  26. Investment classification Amt. in ` Crore

  27. ASSET QUALITY

  28. ASSET QUALITY Amt. in ` Crore Cash Recovery of ` 888 crore during the Quarter

  29. GROSS NPA MOVEMENT- Quarterly Amt. in ` Crore

  30. NPA COMPOSITION Amt. in ` Crore

  31. SECTOR-WISE NPA SLIPPAGES Amt. in ` Crore

  32. SECTOR- WISE NPA OUTSTANDING Amt. in ` Crore

  33. SECTORAL CONTRIBUTION OF NPA Amt. in `Crore

  34. RESTRUCTURED ASSETS Amt. in `Crore

  35. RESTRUCTURED ASSETS Amt. in ` Crore

  36. RESTRUCTURED ASSETS UNDER CDR Amt. in ` Crore

  37. SECTOR – WISE RESTRUCTURED ACCOUNTS Amt. in ` Crore

  38. SECTOR – WISE RESTRUCTURED ACCOUNTS Amt. in ` Crore

  39. AMOUNT RESTRUCTURED DURING Q1 FY14 Amt. in ` Crore

  40. SECTOR WISE RESTRUCTURED ADVANCES OUTSTANDING AS AT JUNE 2013 Amt. in ` Crore

  41. CAPITAL ADEQUACY – NEW BASEL III NORMS Capital Adequacy Ratio • CRAR of 11.35% at June 2013 Vs. 9% norm • Tier I ratio at 9.03% Vs . 6.5% norm • Tier II ratio at 2.32% • Govt. holding at 67.7% • Paid-up Capital at `443 crore Comfortable CRAR, Sufficient headroom for raising further capital

  42. CAPITAL ADEQUACY – BASEL III

  43. SHAREHOLDING PATTERN As on JUNE 30, 2013

  44. FINANCIAL INCLUSION • Covered all the 1624 allotted villages in 24 States (>2000 population category), under Brick and Mortar Branch Model (264 villages) and Business Correspondent Model (1360 villages). • Covered 1268 villages (<2000 population category) out of the 8425 villages allotted under Brick and Mortar Branch Model (13 villages) and Business Correspondent Model (1255 villages). • Opened 4.30 lakh BSBD accounts during the quarter, with accretion of 31 crore deposits. • The tally of BSBD accounts increased to 64.72 lakh, with outstanding deposit balance of 1174 crore. • Brick and Mortar Branches opened in 171 FI villages during FY12 have garnered a business of ` 1407 crore. The average business of these branches which was at ` 7.32 crore as at 31.03.2013, has improved to ` 8.23 crore per branch. Holistic Approach to Financial Inclusion `

  45. FINANCIAL INCLUSION • 64 Brick and mortar branches opened during FY13 have garnered a business of ` 233.43 crore as against ` 147 crore as on 31.03.2013. • With focus on activation of customer service providers at villages, 1.67 lakh transactions amounting to ` 38.83 crore was done through 3.62 lakh smart cards during the quarter. • In built OD facility provided to 88,863 BSBD account holders to the extent of ` 13.63 crore. • Opened 4 Financial Literacy Centres (FLCs) in four allotted blocks by the Bank Sponsored RRB (PGB) in addition to the existing 26 FLCs in Lead Districts. • “Money” and “Savings” - comic books brought out in eight Indian languages for financial literacy. • 19 Micro Finance Branches to foster urban financial inclusion have achieved a total business of ` 217 crore. Holistic Approach to Financial Inclusion

  46. FINANCIAL INCLUSION Holistic Approach to Financial Inclusion • Credit linked 4256 SHGs by disbursing ` 100 crore during the quarter. Exposure under SHG is ` 1348 crore under 85630 SHG accounts. • Issued 41816 GCCs amounting to ` 92.68 crore during the quarter. Exposure under GCC is ` 645 crore under 3.06 lakh accounts. • Disbursed ` 22.47 crore to 25737 beneficiaries under DRI Scheme during the quarter. Total exposure under DRI is ` 91.36 crore. • 7727 SHG members are provided coverage under the Micro Insurance product of M/s Canara HSBC OBC insurance company Ltd. during the quarter. • Participated in Pilot Project for Direct Benefit Transfer in 103 identified districts where we have presence and opened more than 80000 accounts to DBT beneficiaries.

  47. EXPANDED CLIENTELE BASE (In Lakhs) 5 Crore Strong Clientele Base 70 lakhs Clientele added Y-o-Y

  48. AWARDS • “Best Bank of the Year Award”, instituted by The Bangalore Management Association (BMA). • “Best Financial Institution”, Category-Gold in the Export Excellence Awards 2013 by the Federation of Karnataka Chamber of Commerce, Bangalore. • Awarded Institute of Directors’ Fellowship on the eve of Golden Peacock Awards. • Awarded Certificate of Excellence for exemplary CSR Initiative for the project “Strengthening Traditional Art and Culture” under e-India Awards 2013.

  49. GOALS FOR FY14 • The Bank aims to reach an aggregate business figure of more than `7 lakhcrore, with deposit growth of 15-17% and advances growth of 16-18%. • Plans to take the number of branches from 3770 to 5000 and number of ATMs from 3754 to 10,000 by Mar’2015. • Plans to open branches at 14 overseas centres- Johannesburg (South Africa, License already received), DIFC (Dubai), Sao Paulo (Brazil), Dar-es-Salaam (Tanzania), Tokyo (Japan), Abuja (Nigeria), Jeddah (Saudi Arabia), Qatar Financial Centre (Qatar), Frankfurt (Germany) and New York (USA), Sydney(Australia), Ontario (Canada), Wellington (New Zealand) and Singapore by Mar’2015 PLANS

  50. GOALS FOR FY14 • Thrust on Retail Business- CASA, retail deposits, retail credit, recovery, fee income and asset quality. • Technology and business process reengineering. • Thrust on improving operational financial ratios, such as, NIM, ROA, ROE and Cost-to-Income PLANS

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