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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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highlights q1 fy14
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

highlights q1 fy141
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

performance highlights business
PERFORMANCE HIGHLIGHTS- BUSINESS

Amt. in ` Crore

  • Note : SEQ- Sequential Quarter – Q1FY14 over Q4FY13
performance highlights expanding the reach
PERFORMANCE HIGHLIGHTS- EXPANDING THE REACH

3765 domestic Branches

5 overseas branches at London, Leicester, Shanghai, Manama & Hong Kong

segment wise deposits
SEGMENT WISE DEPOSITS

Amt. in `Crore

high cost deposits
HIGH COST DEPOSITS

% share in total Deposit

achievement under mandated targets priority sector
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)
profitability
PROFITABILITY

Amt. in ` Crore

profit
PROFIT

Amt. in ` Crore

break up income
BREAK-UP : INCOME

Amt. in ` Crore

provisions
PROVISIONS

Amt. in ` Crore

asset quality
ASSET QUALITY

Amt. in ` Crore

Cash Recovery of ` 888 crore during the Quarter

npa composition
NPA COMPOSITION

Amt. in ` Crore

restructured assets
RESTRUCTURED ASSETS

Amt. in `Crore

restructured assets1
RESTRUCTURED ASSETS

Amt. in ` Crore

capital adequacy new basel iii norms
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

shareholding pattern
SHAREHOLDING PATTERN

As on JUNE 30, 2013

financial inclusion
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

`

financial inclusion1
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

financial inclusion2
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.
expanded clientele base
EXPANDED CLIENTELE BASE

(In Lakhs)

5 Crore Strong Clientele Base

70 lakhs Clientele added Y-o-Y

awards
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.
goals for fy14
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

goals for fy141
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