Performance Highlights

Q4 FY15
STATUATORY CENTRAL AUDITORS

1. M/S . ISSAC & SURESH

2. M/S. M.M. NISSIM & CO.
3. M/S. D.SINGH & CO.
4. M/S. J.K. KAPUR & UBERAI
5. M/S. GROVER LALLA & MEHTA
6. M/S. B. RATTAN & ASSOCIATES

2
INDEX
ITEM SLIDE NO.
Results at a glance 4
Business, CASA, Market share, 5-7
Domestic Credit:
8-12
Key Sectors, Retail & Priority Sector
Restructured Assets 13-15
Asset Quality (NPA) & Sale of Assets to ARCs 16-19
Investments 20
Profit & Loss Parameters 21-24
Key Ratios 25
Capital Adequacy 26
Business per Employee/Branch 27
Multiple Delivery Channels 28-29
Financial Inclusion 30
Shareholding pattern 31
Awards 32
3
Results at a Glance – March,2015

FY15 Ratios for FY15

YoY
Parameter Rs. Crore Parameter (in %)
Growth%

Total Business 943,633 10.60% Gross NPA 5.39%

Total Deposits 531,907 11.52% Net NPA 3.36%

Total Advances 411,726 9.44%
Provision Coverage
52.40%
CASA deposits 114,386 8.46% Ratio

Priority Sector Capital Adequacy

94,572 9.76% 10.73%
Advances Ratio (Basel-III)

MSME Advances 54,406 20.68% Return on Assets 0.27%

Retail Advances 34,153 15.38% NIM

Global 2.11%
Domestic 2.49%

4
Business Growth
(`.in Crores)

Business Mix
Y-O-Y
(Deposits + Mar 14 Jun14 Sept 14 Dec 14 Mar 15
Growth %
Advances)

Global Business 853,202 882,441 917,720 940,623 943,633 10.60

Domestic 627,850 643,328 656,923 672,225 687,515 9.50

Foreign 225,352 239,113 260,797 268,398 256,118 13.65

Global Deposits 476,974 500,875 518,432 530,213 531,907 11.52

Domestic 363,590 381,454 388,377 396,122 398,000 9.46

Foreign 113,384 119,421 130,055 134,091 133,907 18.10

Global Advances 376,228 381,566 399,288 410,410 411,726 9.44

Domestic 264,260 261,874 268,546 276,103 289,515 9.56

Foreign 111,968 119,692 130,742 134,307 122,211 9.15

5
CASA Profile
CASA - Domestic (`. in Crores)

114,386
CASA Ratio: CASA
105,467 29.48% YoY Growth: 8.46%

Current Deposit Savings Deposit

YoY Growth: -1.82% YoY Growth: 10.62%

FY Mar. 14 FY Mar. 15

Current Deposits Saving Deposits

18,331 96,389
17,997

87,136

FY Mar.14 FY Mar.15 FY Mar.14 FY Mar.15

CONSISTENT FOCUS ON CASA 6
Market Share

Deposit Advances

4.69 4.27
4.66
4.20 4.19 4.22
4.60 4.17
4.57

4.47
3.99
4.40 3.96
4.35 4.36
3.83 3.82
4.26

7
Key Sectors – Domestic Credit

(` in Crores)

Y-O-Y % to Domestic
Industry Mar 14 Jun 14 Sept. 14 Dec. 14 Mar. 15 Growth Credit
% Mar14 Mar.15

Agriculture 36,071 34,801 37,994 39,063 40,495 12.26 13.65 13.99

MSME
(Priority & 45,081 45,282 48,391 51,989 54,406 20.68 17.06 18.79
Non- Priority)

Retail 29,600 27,824 29,654 31,290 34,153 15.38 11.20 11.80

Corporate &
153,508 153,967 152,507 153,761 160,461 4.53 58.09 55.42
Others

Total 264,260 261,874 268,546 276,103 289,515 9.56 100.00 100.00

STRATEGIC SHIFT IN COMPOSITION 8

Retail Credit
(` in Crores)

Y-O-Y
%age to Domestic
Growth
Particulars Mar 14 Jun 14 Sept. 14 Dec. 14 Mar. 15 Credit
%
Mar-14 Mar-15

Home Loan 13,081 13,902 14,913 15,821 16,664 27.39 4.95 5.76

Mortgage
2,971 3,110 3,424 3,709 4,144 39.48 1.12 1.43
Loan

Auto Loan 2,351 2,398 2,475 2,657 2,733 16.25 0.89 0.94

Education
2,652 2,712 2,855 2,883 2,918 10.03 1.00 1.01
Loan
Personal
927 960 997 1,031 1,085 17.04 0.35 0.37
Loan

Others 7,618 4,742 4,990 5,189 6,609 -13.24 2.88 2.28

Total 29,600 27,824 29,654 31,290 34,153 15.38 11.20 11.80

9
Priority Sectors
(`. in Crores)

Y-O-Y
Growth % to
Industry Mar 14 Jun 14 Sept. 14 Dec. 14 Mar. 15
% ANBC

Agriculture* 40,211 38,941 42,134 43,203 43,183 7.39 16.07

MSE 35,504 35,713 37,185 38,181 39,822 12.16

Housing Loan 7,517 7,535 7,731 7,950 8,374 11.40

Educational Loan 2,598 2,655 2,797 2,831 2,872 10.59

Others 331 328 329 332 321 -3.02

Total Priority
86,161 85,172 90,176 92,497 94,572 9.76 35.20
Sector Advances
* Including RIDF

10
Key Sectors - Domestic Credit- Industry

(`. in Crores)
Y-O-Y % to Domestic
Particulars Mar 14 Jun 14 Sept. 14 Dec. 14 Mar. 15 Growth Advances
% Mar-14 Mar-15
Textiles 9,716 9,414 9,545 9,786 10,007 3.00 3.68 3.46
Chemicals &
Chemical 6,772 7,773 5,803 6,104 6,187 -8.64 2.56 2.14
products
Rubber, Plastic &
2,726 2,620 2,604 2,670 2,716 -0.37 1.03 0.94
their products
Basic metal &
12,953 12,351 13,009 13,220 13,366 3.19 4.90 4.62
metal products
Vehicles, vehicle
parts & Transport 2,021 2,156 2,083 2,182 2,575 27.41 0.76 0.89
equipment
Gems & Jewellery 5,665 5,886 6,532 6,544 6,348 12.06 2.14 2.19
Construction 1,822 1,742 2,023 2,150 1,547 -15.09 0.69 0.53
Infrastructure 42,358 43,539 44,136 46,269 49,016 15.72 16.03 16.93
Other Industries 29,001 29,682 28,775 29,815 32,302 11.38 10.97 11.16
Total 113,034 115,163 114,511 118,740 124,064 9.76 42.77 42.85
11
Advances to Infrastructure Sectors

(`. in Crores)

Particulars Mar 14 Jun 14 Sept. 14 Dec. 14 Mar 15

Power 26,847 28,172 29,072 30,836 33,386

- SEBs 11,355 11,878 12,797 13,635 15,071

- Others 15,541 16,294 16,275 17,201 18,315

Roads and ports 9,686 10,409 10,158 10,514 10,751

Telecom 1,196 1,215 1,111 1,050 927
Other
4,629 3,743 3,795 3,869 3,952
Infrastructure
Total 42,358 43,539 44,136 46,269 49,016

SEB EXPOSURE BACKED UP GOVT. GUARANTEE 12

Restructured Assets (Domestic)
(`. in Crores)

Period Amount Restructured

FY 10-11 2,375

FY 11-12 6,014

FY 12-13 8,469

FY 13-14 5,761

FY 2014-15
6,735
(Q4 : Rs.2,743 crore)
TOTAL RESTRUCTURED PORTFOLIO
28,235
(DOMESTIC)

Of Which a) Standard 20,180

b) NPA 8,055
Out of Total Domestic Restructured Portfolio (as per RBI Guidelines): Rs.15,598 crore

13
Standard Restructured Advances

(`. in Crores)

Standard Restructured
Mar 14 Jun 14 Sept. 14 Dec.14 Mar 15
Advances

CDR Restructuring 6427 5816 5,695 5,747 4,992

Domestic 6,288 5,677 5,553 5,473 4,693

Foreign 139 139 142 274 299

Other Restructuring 14,328 15,180 16,259 16,089 16,826

Domestic 12,582 13,923 14,442 14,777 15,487

Foreign 1746 1,257 1,817 1,312 1,339

Total 20,755 20,997 21,954 21,836 21,828

Domestic 18,870 19,600 19,995 20,250 20,180

Foreign 1,885 1,397 1,959 1,586 1,638

14
Sector wise breakup of Standard Restructured Advances(Domestic)
SNO Sector March 2014 March 2015 (`. in Crores)
1 INFRA 7,320 8,829
INFRA-POWER 4,500 5,750
INFRA-TELECOM 960 430
INFRA-RAODS & PORTS 1,411 1,636
INFRA-OTHERS 448 1,013
2 AVIATION 2,164 2,364
3 ENGG 622 1,175
4 STEEL 906 922
5 MISC 979 783
6 TEXTILES 957 873
7 PHARMA 219 555
8 SUGAR 706 593
9 SERVICE-TRANSPORT RELATED 329 335
10 FOOD PROCESSING 302 260
11 CEMENT 107 218
12 SERVICES 161 270
13 SERVICES-TRADE 127 213
14 OTHER METAL 152 174
15 EDUCATION 258 242
16 AUTOMOBILES 370 163
17 HOTELS 867 165
18 RUBBER & PLASTIC 166 108
19 PAPER 128 163
20 AGRICULTURE 219 122
21 CHEMICALS 187 117
22 CERAMICS 218 48
23 CRE 343 40
24 LEATHER 26 15
25 GEMS & JEWELLARY 54 9
26 CPMPUTER/IT RELATED 54 9
27 BELOW 1 CR 931 1,414
TOTAL 18,870 20,180 15
Sale of Assets to ARCs
(`. in Crores)

FY 13-14 FY 14-15

FY14 Q1 Q2 Q3 Q4 FY15

Net Outstanding of Accounts sold 4,743 1,764 132 112 936 2,844

Of which,
Prudential written off (PWO)
2,304 75 89 - 77 241
Accounts sold

Existing Gross NPAs sold 1,375 580 43 12 859 1,575

Fresh Slippages / SMA-2 1,064 889 - - - 1,028

16
Asset Quality

(`. in Crores)

Mar-14 June-14 Sept.-14 Dec.-14 Mar-15

Gross NPA 11,868 12,532 14,127 16,694 22,193

Net NPA 7,417 8,042 9,101 10,061 13,518

Gross NPA % 3.15 3.28 3.54 4.07 5.39

Net NPA % 2.00 2.14 2.32 2.50 3.36

Provision Coverage
58.68 58.10 56.32 56.62 52.40
Ratio %

17
 Movement of NPA
(`. in Crores)

FY Mar 2013 FY Mar 2014 FY Mar 2015

Indian Foreign Total Indian Foreign Total Indian Foreign Total

Opening Balance 5,170 724 5,894 7,152 1,613 8,765 10,274 1,594 11,869

Less :

Cash Recovery 1,197 48 1,245 3,043 23 3,066 2,281 407 2,688

Upgradation 721 38 759 776 162 938 2,172 209 2,381
Write Off 2,413 2 2,415 1,142 624 1,766 801 0 801
Total reduction
4,332 88 4,420 4,962 809 5,770 5,254 616 5,870
Less URI 77 11 88 -49 -14 -63 457 0 457
Add : Slippages 6,391 988 7,379 8,035 776 8,811 15,682 969 16,651
Closing Balance
7,152 1,613 8,765 10,274 1,594 11,869 20,245 1,948 22,193

18
Sector wise NPA
Domestic (`. in Crores)

% to Sectoral
Sector Mar 14 Jun-14 Sept. 14 Dec. 14 Mar. 15 Advances
Mar 14 Mar 15
Agriculture 663 696 911 1,020 1,315 1.84 2.95
Industry 7,094 7,571 8,449 9,847 14,051 6.28 7.26
Services 2,318 2,687 2,911 3,447 4,196 2.71 3.03
Retail 199 206 326 365 683 0.67 1.09
Total 10,274 11,160 12,597 14,679 20,245 3.89 4.54
Overseas (`. in Crores)

% to sectoral
Sector Mar 14 Jun-14 Sept. 14 Dec.14 Mar.15 Advances
Mar 14 Mar 15
Trade 313 319 464 411 480 3.82 1.85
Manufacturing 434 282 362 505 474 4.14 5.71
Real Estate 227 236 232 210 211 15.73 12.06
Others 620 535 472 889 783 0.67 0.91
Total 1,594 1,372 1,530 2,015 1,948 1.42 1.59 19
 Investments (Domestic)
(`. in Crores)
Mar 14 Mar. 15

AFS HTM HFT Total AFS HTM HFT Total

1. SLR
15,470 81,139 20 96,629 10,958 90,958 - 101,917
Investments

Of Which:
Government
15,470 80,983 20 96,473 10,598 90,802 - 101,760
Securities

Other Approved
- 156 - 156 - 156 - 156
Securities

M Duration 3.51 4.93 6.22 4.69 3.99 4.78 - 4.70

2. Non SLR
11,744 1,217 - 12,961 12,670 1,491 - 14,162
Investments

M Duration 3.16 4.62 - 3.20 4.33 0.32 - 4.23

Total 27,214 82,356 20 109,590 23,629 92,450 - 116,078

20
Net Interest Income

(`. in Crores)

Quarter ended Year ended

Y-O-Y% Y-O-Y%
Particulars Mar 14 Mar 15 Mar 14 Mar 15
Variation Variation
Interest Income 10,360 11,138 7.51 37,910 43,430 14.56
a. From Advances 7,281 8,035 10.36 27,119 31,678 16.81

b. From Investments 2,185 2,375 8.70 8,405 9,400 11.84

c. Other Interest Income 894 728 -18.57 2,386 2,352 -1.42

Interest Expended 7,313 8,291 13.37 27,079 32,086 18.49

a. On Deposits 6,320 7,517 18.94 23,775 28,921 21.64
b. On Borrowings 775 508 -34.45 2,534 2,226 -12.15
c. Subordinated Bonds &
218 266 22.02 770 939 21.95
others
Net Interest Income 3,047 2,847 -6.56 10,831 11,344 4.74

21
Non Interest Income
(`. in Crores)

Quarter ended Year ended

Y-O-Y% Y-O-Y%
Particulars Mar 14 Mar 15 Mar 14 Mar 15
Variation Variation

Commission, Exchange
408 408 0.23 1,426 1,610 12.90
& Brokerage

Profit from Sale of

83 215 159.04 796 931 16.96
Investments
Profit from Exchange
83 174 109.64 711 686 -3.52
Transactions
Recovery In W/o
168 121 -27.98 760 363 -52.24
accounts
Other Non Interest
172 204 18.60 599 642 7.35
Income
Total Non Interest
914 1,122 22.76 4,292 4,233 -1.37
Income

22
Profitability
(`. in Crores)

Quarter ended Year ended

Y-O-Y% Y-O-Y%
Particulars Mar 14 Mar 15 Mar 14 Mar 15
Variation Variation

1. Total Income 11,274 12,260 8.75 42,202 47,663 12.94

a. Interest Income 10,360 11,138 7.51 37,910 43,430 14.56

b. Non Interest
914 1,122 22.76 4,292 4,233 -1.37
Income
2. Total Expenditure 9,278 10,833 16.76 33,779 40,175 18.93

a. Interest expended 7,313 8,291 13.37 27,079 32,086 18.49

b. Operating
1,965 2,542 29.36 6,700 8,089 20.73
Expenses
3. Operating Profit 1,996 1,427 -28.51 8,423 7,488 -11.10

4. Net Profit 558 -56 -110.04 2,729 1,709 -37.38

23
Provisions
(`. in Crores)

Quarter ended Year ended

Y-O-Y% Y-O-Y%
Particulars Mar 14 Mar 15 Mar 14 Mar 15
Variation Variation

Operating Profit 1,996 1,427 -28.51 8,423 7,488 -11.10

Provisions

Provisions for Taxation -109 -773 609.17 816 86 -89.46

Prov. For B&D 1,135 2,240 97.36 3,970 5227 31.66

Prov. For Standard Assets 63 94 49.21 423 409 -3.31

Prov. For Depreciation on

163 0 -100.00 73 -50 -168.49
Investment
NPV Provisions/ Other
187 -78 -141.71 412 107 -74.03
Provisions
Total Provisions 1,439 1,483 3.06 5,694 5,779 1.49
Net Profit 558 -56 -110.04 2,729 1,709 -37.38
24
 N
Key Financial Ratios FY15
Mar. 14 Mar. 15
Particulars Indian Foreign Global Indian Foreign Global

Cost of Deposits 7.13 0.97 5.62 7.26 0.83 5.70

Cost of Funds 6.43 1.66 5.14 6.72 1.45 5.27
Yield on Advances 11.24 2.59 8.45 11.06 2.65 8.36
Yield on Investments 8.34 3.98 8.12 8.29 3.56 8.08
Yield on Funds 8.86 2.70 7.19 8.85 2.61 7.13
Interest Spread 2.43 1.04 2.05 2.13 1.16 1.86
NIM 2.85 1.12 2.34 2.49 1.24 2.11
Cost to Income Ratio 47.04 25.52 44.30 58.13 18.85 51.93
Return on Assets (ROA) 0.53 0.47 0.51 0.12 0.69 0.27
Return on Equity 11.73 6.70
Book Value Per Share (Rs.) 381.69 398.02
Earning Per Share (Rs.) 44.74 26.57

25
Capital Adequacy – Basel-III
(`. in Crores)

Particulars Mar 14 Jun 14 Sept. 14 Dec.14 Mar 15

Capital Adequacy - Basel III

CET1 Capital 23,771 23,902 24,023 24,103 26,091
AT1 Capital 1,389 1,435 3,948 3,914 3,618
Tier I Capital 25,160 25,337 27,971 28,017 29,709
Tier II Capital 9,499 9,567 10,507 10,501 9,289
Total Capital 34,659 34,904 38,478 38,518 38,998
Total Assets 573,190 597,504 606,210 614,961 618,698
Risk Weighted Assets 347,702 349,682 350,743 360,705 363,523
CRAR – CET1 (%) 6.84 6.84 6.85 6.68 7.18
CRAR – AT1 (%) 0.40 0.41 1.13 1.09 1.00
CRAR – Tier I (%) 7.23 7.25 7.97 7.77 8.17
CRAR - Tier II (%) 2.74 2.73 3.00 2.91 2.56

Capital Adequacy Basel III (%) 9.97 9.98 10.97 10.68 10.73

26
Productivity

(`. in Crores)
Business Per employee Business Per branch

193.38 191.91
20.69 189.73
20.40 187.59
19.97 182.5
19.63 19.75

Q4FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15 Q4FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15

27
Multiple Delivery Channels
Branch Expansion ATM Roll-Out
Semi-urban Urban Metro Column2 6,771
4,808 4,835 4,892 6,169
4,646 4,675 5,747
851 863 5,032
833 839 849
4,225
789 792 811 814 821

1,258 1,273 1,302 1,305 1,317

1,766 1,771 1,846 1,865 1,891

Q4FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15 Q4FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15

Debit Card (‘000)

27,379
24,016
22,124

16,924 17,640

28
Q4FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15
Multiple Delivery Channels (cont’d)
Internet Retail (‘000) Internet Corporate
2,985 60,471
2,706 2,832 58,315
2,397 2,503 56,385
54,333
52,353

Q4FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15 Q4FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15

Mobile Banking Users e-Galleries

412
165,387 165,547
310
162,536 162,579

195
158,922

55

29
Q4FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15 FY Mar-14 Upto Sep-14 Upto Dec-14 FY Mar-15
Financial Inclusion
BC Channel Transactions
Rural Branches (Amt in cr.)
Unbanked Villages Covered 4,345
1846 1865 1885 22,824
1766 22,579 3,419
1771
2,613
16,334
14,665 1,889
14,060 1,213

FY14 Q1FY15 Q2FY15 Q3FY15 FY15 FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15 FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15

RSETI – No. of Candidates Trained FLCs – No. Of outdoor activities undertaken No. of A/cs through BC Channel
82,916 7060 (in lacs)
53
72,987 6524
67,905 5683 43
61,900 5162 5400
57,676 33
28
23

FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15 FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15 FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15
30
Shareholding Pattern

31st March, 2015

Bodies Individuals
Corporate 6.40%
FII & Other Foreign 2.03%
Holding
8.74%

Insurance
Companies
17.15% Central Govt./
Financial
State Govt.
Institutions/ 64.43%
Banks
0.30% Mutual
Funds/UTI
0.95%
31
Awards & Recognition
Bank received “Best MSME Bank” and “Best Bank for Operational Performance” awards.

Bank received “Outlook Money Award” for “Best Home Loan Provider” under Runner up
category.
Financial Inclusion & Payment System Award by Elets Media at New Delhi at the hands of
Minister of Rural Development.

Bank received “PMJDY Excellence Award” from Honorable Union Minister

Bank received IBA Award for “Best Financial Inclusion Technology Initiative” from IDRBT.

Bank received Skoch Group Financial Inclusion Deepening Award

Bank won IT excellence award by ETNOW and VMWare for effectively implementing
Virtualization in the Bank.

Bank received the Award CIO100 2014 for the product Startoken NG.

Bank has received Skoch award 2013 for IT innovation.

Bank received “Best HR Technology award, 2014” from Banking Frontiers at Mumbai. 32
THANK YOU!

33