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Performance Review H1-2000-2001 - PowerPoint PPT Presentation


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Performance Review H1-2000-2001 Contents Snapshot Retail Banking Corporate Banking Performance Indicators US GAAP H1-2000 Snapshot Net Profit up 59% YoY Net interest income up 154% Cost of deposit < 8% Core Fee income doubles Customer accounts reach 1.2 mn (0.65 mn)

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contents
Contents
  • Snapshot
  • Retail Banking
  • Corporate Banking
  • Performance Indicators
  • US GAAP
h1 2000 snapshot
H1-2000 Snapshot
  • Net Profit up 59% YoY
  • Net interest income up 154%
  • Cost of deposit < 8%
  • Core Fee income doubles
  • Customer accounts reach 1.2 mn (0.65 mn)
  • NRI accounts cross 40,000 (23,400)
  • ATMs cross 310 (175)
  • Infinity accounts reach 2,66,000 (1,10,000)
  • PPA relationships increase to 2500 (950)
  • No. of credit cards reach 69000 (10,656)
  • Corporate assets relationships reach 968 (852)
  • CMS relationships reach 282 (254)

(Figures in brackets are as of 31st March 2000))

h1 2000 snapshot contd
H1- 2000 Snapshot (contd.)
  • Higher infrastructure and new products expenditure for retail business
  • Decline in Trading Income
  • Cost to Income Ratio increases to 52%
  • Adverse Mark-to-market impact
  • Higher loan loss provisioning
business levels
Business Levels

Rs. million

  • Savings deposits up by 207%
  • Composition of demand deposits increases due to retail thrust
  • Retail deposits constitute 48% of total deposits
  • Customer accounts increases to 1.26 mn from 0.65 mn in March 2000
contents7
Contents
  • Snapshot
  • Retail Banking
  • Corporate Banking
  • Performance Indicators
  • US GAAP
growth in customer accounts
Growth in Customer accounts

1,245,000

637,000

95%

growth

31.3..2000

30.09.2000

growth in retail deposits
Growth in Retail deposits

Rs. 46,840 mn

Rs. 30,570 mn

53%

growth

31.3.2000

30.9.2000

channel growth
Channel Growth

Branches

ATMs

Call Centre

growth in registration for channels
Growth in Registration for channels

Telephone banking

Mobile Banking

nri services
NRI Services
  • 1,600 Money2India remittances received for total value of USD 6.50 million
  • 8,000 On line accounts opened
  • Total NRI deposits

Rs. 5,380 mn

Rs.8,020 mn

31.03.2000

30.09.2000

other initiatives
Other initiatives
  • B2C initiatives
    • 24 billers registered till date across 11 cities
    • Tie up with 10 shopping malls
  • Third party distribution
    • 9% GOI Relief Bonds
    • Mutual Funds on the Net - Tie up with 6 Mutual Funds
contents16
Contents
  • Snapshot
  • Retail Banking
  • Corporate Banking
  • Performance Indicators
  • US GAAP
initiatives taken
Initiatives taken
  • Revised Loan Policy put in place.
  • 90 % of Incremental Assets rated A & above.
  • Rating Exercise:
    • All new accounts approved only after rating.
    • 80% of asset Exposure re-rated under new rating model.
    • Entire CMS & Corporate treasury instruments relationships rated.
  • Bankers to NSE.
  • Capital Market Segment Launched.
  • Institutional Group, SBG, and ABG created.
  • Risk participation in L/Cs.
  • Entry into all major oil refinery accounts
initiatives taken contd
Initiatives taken(contd.)
  • Dividend warrant business added to suite of CMS services - 79 issues , value Rs.12,011 mn, average float Rs. 300 mn
  • Roll out of Corporate related agricultural funding products - 4 corporates, 5000 borrowers, Rs. 550 mn exposure approved.
  • Corporate Vendor/ Dealer funding products with 12 corporates, 215 dealers, Rs. 130 crores exposures approved.
  • Tie-up with 5 Vortals for B2B services.
core fee income
Core Fee Income

Rs. million

contents22
Contents
  • Snapshot
  • Retail Banking
  • Corporate Banking
  • Performance Indicators
  • US GAAP
h1 operating profit
H1 Operating Profit

Rs million

  • Net interest income up by 155% (YoY)
  • Core Fee income doubles
  • Operating Profit up by 62%
h1 profit statement
H1 Profit Statement

Rs. million

  • Net profit up by 59%
  • Operating Profit up by 62% YoY
interest spread
Interest Spread
  • On advances
  • Increasing exposures to higher rated corporates
  • Increase in short-term loans based on tenor based PLR
  • Increase in exposure under Multi Currency Credit
  • Reduction in yield due to interest derecognition
  • On deposits
  • Increase in demand deposit composition
contents30
Contents
  • Snapshot
  • Retail Banking
  • Corporate Banking
  • Performance Indicators
  • US GAAP
income statement us gaap
Income Statement: US GAAP

Rs. million

Net income down due to MTM losses on Trading