1. m/s p.l. tandon & co., kanpur 2. m/s shah & taparia ... · 3 mar 2014 mar 2015 govt. of...

2

1. M/s P.L. TANDON & CO., KANPUR 2. M/s SHAH & TAPARIA, MUMBAI 3. M/s BANSAL R KUMAR & ASSOCIATES, NEW DELHI 4. M/s A BAFNA & CO., JAIPUR 5. M/s LUNAWAT & CO., NEW DELHI

REGIONAL OFFICES 34

BRANCHES AUDITED BY STATUTORY CENTRAL AUDITORS (SCAs) 20

BRANCHES AUDITED BY STATUTORY BRANCH AUDITORS (SBAs) 1176

3

Mar

2014

Mar

2015

Govt. of India 59.13 % 59.13 %

FIIs & NRIs 10.03 % 12.13 %

Banks/Financial Institutions and Insurance Cos.

14.55 % 10.97 %

Others 16.29 % 17.77 %

59.13% 12.13%

10.97%

17.77%

Govt. FIIs/NRIs Banks/Inst./Ins. co. Others

4

0

500

1000

1500

2000

2500

Mar-12 Mar-13 Mar-14 Mar-15

397 (22%)

430 (22%)

434 (21%)

476 (21%)

524 (30%)

541 (27%)

560 (26%)

576 (26%)

482 (27%)

561 (28%)

600 (28%)

610 (27%)

369 (21%)

468 (23%)

532 (25%)

589 (26%)

1772

2000 2126

2251

Rural

Semi-Urban

Urban

Metro

5

PARAMETER ` in Crore YoY Growth

Total Business 352049 5.32%

Total Deposits 204010 5.44%

Retail Term Deposits (below ` 1 Crore)

75539 14.61%

Bulk Deposits 32495 -7.65%

Total Advances 148039 5.17%

Retail Credit 18123 12.37%

Total Assets 230514 4.64%

6

PARAMETER HIGHLIGHTS

Total Income (Q4 Vs Q3) Sequentially Up by 4.77% to `5719 Cr

Non-Interest Income

(Q4 Vs Q3) Sequentially Up by 22.75% to `629 Cr

Operating Profit

(Q4 Vs Q3) Sequentially Up by 19.79% to `1216 Cr

CRAR(BASEL-III)

• Improved from 11.01% (as on Mar-14) to 11.41%

(as on Mar-15)

•Sequentially Improved from 11.26% (as on Dec-14)

to 11.41% (Mar-15)

Gross NPA (Q4 Vs Q3) Sequentially Down from 5.43% to 5.18%

Net NPA (Q4 Vs Q3) Sequentially Down from 3.68% to 3.34%

PCR (Q4 Vs Q3) Sequentially improved from 57.39% to 60.59%

7

Parameters Mar-14 Mar-15 Y-o-Y % Growth

Current 11,882 12,839 8.06 %

Savings 35,161 36,526 3.88 %

CASA 47,043 49,365 4.94 %

(CASA % to Total Deposits) (24.31%) (24.20%) (-11 bps)

Retail Term Deposits (below ` 1 Cr.) 65,910 75,539 14.61 %

0

10000

20000

30000

40000

50000

60000

70000

80000

Mar-14 Mar-15

11882 12839

35161 36526

47043 49365

65910

75539

CA SB CASA RTD CA SB CASA RTD

(` in Crore)

8

(Accounts in Lacs)

4.50

5.00

5.50

Mar-14 Jun-14 Sep-14 Dec-14 Mar-15

5.14 5.20

5.26 5.34

5.41

140

150

160

170

180

190


160.13 162.71

176.03

183.49 189.37

150

160

170

180

190

200


165.27 167.91

181.29

188.83 194.79

30

35

40

45

50


43.51 43.89

46.71 48.19 48.69

No

. of

Acc

ou

nts

in L

acs

No

. of

Acc

ou

nts

in L

acs

No

. of

Acc

ou

nts

in L

acs

No

. of

Acc

ou

nts

in L

acs

9

S. NO.

PARAMETERS Mar-14

Q4

Mar-15

Q4

Variation Y-o-Y Dec-14

Q3

Variation Q3 <> Q4

(%) AMT (%)

1 INTEREST ON ADVANCES/BILLS 3716.51 3748.32 31.81 0.86% 3801.47 -1.40%

2 INTEREST ON INVESTMENTS 1114.74 1277.62 162.88 14.61% 1137.55 12.31%

3 OTHER INTEREST INCOME 69.57 64.92 -4.65 -6.68% 7.75 737.68%

4 TOTAL INTEREST INCOME (1+2+3)

4900.82 5090.86 190.04 3.88% 4946.77 2.91%

5 COMM. EXCHG. & BROKERAGE 280.26 250.90 -29.36 -10.48% 201.08 24.78%

6 TRADING PROFIT FROM TREASURY

26.67 221.73 195.06 731.38% 204.77 8.28%

7 OTHER INCOME 447.61 155.90 -291.71 -65.17% 106.17 46.84%

8 NON INTEREST INCOME (5+6+7) 754.54 628.53 -126.01 -16.70% 512.02 22.75%

9 TOTAL INCOME (4+8) 5655.36 5719.39 64.03 1.13% 5458.79 4.77%

(` in Crore)

10

S. NO.

Parameters Mar-14

Q4

Mar-15

Q4

Y-o-Y % Growth

Dec-14

Q3

Variation Q3 <> Q4

(%)

1 Credit Related Income 179.94 174.09 -3.25 % 137.88 26.26 %

2 Other Commission, Exchange & Brokerage

100.32 76.81 -23.44 % 63.20 21.53 %

3 Treasury 26.67 221.73 731.38 % 204.77 8.28 %

4 Profit on Exchange Transactions 40.72 24.01 -41.04 % 34.59 -30.59 %

5 Bad Debts W/off earlier recovered 385.02 126.81 -67.06 % 65.31 94.17 %

6 Others 21.87 5.08 -76.77 % 6.27 -18.98 %

7 Total Non Interest Income 754.54 628.53 -16.70 % 512.02 22.75 %

(` in Crore)

11

S. NO.

PARAMETERS Mar-14

Q4

Mar-15

Q4


Q3

Variation Q3 <> Q4

(%) AMT (%)

1 INTT PAID ON DEPOSITS 3414.28 3644.61 230.33 6.75% 3522.86 3.46%

2 INTT PAID ON BONDS 91.01 120.79 29.78 32.72% 111.70 8.14%

3 OTHERS 86.83 27.78 -59.05 -68.01% 14.74 88.47%

4 TOTAL INTEREST PAID (1+2+3) 3592.12 3793.18 201.06 5.60% 3649.30 3.94%

5 ESTABLISHMENT EXPENSES 386.41 396.41 10.00 2.59% 444.28 -10.77%

6 OTHER OPERATING EXPENSES 293.09 314.14 21.05 7.18% 350.38 -10.34%

7 TOTAL OPERATING EXPENSES (5+6)

679.50 710.55 31.05 4.57% 794.66 -10.58%

8 TOTAL EXPENSES (4+7) 4271.62 4503.73 232.11 5.43% 4443.96 1.34%

(` in Crore)

12

(` in Crore)

S. NO.

PARAMETERS Mar-14

Q4

Mar-15

Q4


Q3

Variation Q3 <> Q4

(%) AMT (%)

1 INTEREST INCOME 4900.82 5090.86 190.04 3.88% 4946.77 2.91%

2 INTEREST EXPENSES 3592.12 3793.18 201.06 5.60% 3649.30 3.94%

3 NII (Spread) (1-2) 1308.70 1297.68 -11.02 -0.84% 1297.47 0.02%

4 NON INTEREST INCOME 754.54 628.53 -126.01 -16.70% 512.02 22.75%

5 OPERATING EXPENSES 679.50 710.55 31.05 4.57% 794.66 -10.58%

6 OPERATING PROFIT 1383.74 1215.66 -168.08 -12.15% 1014.83 19.79%

13

(` in Crore)

S.

NO. PARAMETERS

Mar-14

Q4

Mar-15

Q4

Variation Y-o-Y (AMT)

Dec-14

Q3

Variation Q3 <> Q4

(AMT)

1 OPERATING PROFIT 1383.74 1215.66 -168.08 1014.83 200.83

2 PROVISIONS 1073.42 1394.10 320.68 995.27 398.83

2 a Prov. for Depreciation on Investment 29.37 50.89 21.52 153.27 -102.38

2 b Prov. for Depreciation on Investment- ARCIL (FY 13-14)

0.00 280.43 280.43 0.00 280.43

2 c Prov. for taxes 142.71 7.10 -135.61 -27.25 34.35

2 d Prov. for NPA 728.13 564.92 -163.21 500.68 64.24

2 e Prov. for Standard Assets 68.00 159.00 91.00 93.00 66.00

2 f Prov. for Wage Revision -6.00 201.74 207.74 36.00 165.74

2 g Prov. for Unhedged Forex Exposure 0.00 2.41 2.41 4.74 -2.33

2 h Other Provisions 111.21 127.61 16.40 234.83 -107.22

Surplus before adjustment of TWO sale to ARCIL of March 2014 - Ref.2b

29.89 101.99 72.10 19.56 82.43

3 Net Profit (1-2) 310.32 -178.44 -488.76 19.56 -198.00

14

S. NO.

PARAMETERS Mar-14

FY

Mar-15

FY

Variation Y-o-Y

AMT (%)

1 INTEREST ON ADVANCES/BILLS 14564.00 15144.99 580.99 3.99%

2 INTEREST ON INVESTMENTS 4311.04 4669.95 358.91 8.33%

3 OTHER INTEREST INCOME 142.44 146.44 4.00 2.81%

4 TOTAL INTEREST INCOME (1+2+3) 19017.48 19961.38 943.90 4.96%

5 COMM. EXCHG. & BROKERAGE 864.91 910.79 45.88 5.30%

6 TRADING PROFIT FROM TREASURY 247.79 613.51 365.72 147.59%

7 OTHER INCOME 832.57 597.10 -235.47 -28.28%

8 NON INTEREST INCOME (5+6+7) 1945.27 2121.40 176.13 9.05%

9 TOTAL INCOME (4+8) 20962.75 22082.78 1120.03 5.34%

(` in Crore)

0

500

1000

1500

2000

2500

Mar-14 FY

Mar-15 FY

1945.27 2121.40

15

S. NO.

Parameters Mar-14

FY

Mar-15

FY

Y-o-Y % Growth

1 Credit Related Income 570.95 603.11 5.63 %

2 Other Commission, Exchange & Brokerage

293.96 307.68 4.67 %

3 Treasury 247.79 613.51 147.59%

4 Profit on Exchange Transactions

163.35 120.11 -26.47 %

5 Bad Debts W/off earlier recovered

611.05 431.19 -29.43 %

6 Others 58.17 45.80 -21.27 %

7 Total Non Interest Income 1945.27 2121.40 9.05 %

(` in Crore)

16

S. NO.

PARAMETERS Mar-14

FY

Mar-15

FY

Variation Y-o-Y

AMT (%)

1 INTT PAID ON DEPOSITS 13272.55 14302.57 1030.02 7.76%

2 INTT PAID ON BONDS 369.09 417.54 48.45 13.13%

3 OTHERS 248.74 157.08 -91.66 -36.85%

4 TOTAL INTEREST PAID (1+2+3) 13890.38 14877.19 986.81 7.10%

5 ESTABLISHMENT EXPENSES 1676.70 1637.46 -39.24 -2.34%

6 OTHER OPERATING EXPENSES 1240.18 1341.06 100.88 8.13%

7 TOTAL OPERATING EXPENSES (5+6) 2916.88 2978.52 61.64 2.11%

8 TOTAL EXPENSES (4+7) 16807.26 17855.71 1048.45 6.24%

(` in Crore)

17

(` in Crore)

S. NO.

PARAMETERS Mar-14

FY

Mar-15

FY

Variation Y-o-Y

AMT (%)

1 INTEREST INCOME 19017.48 19961.38 943.90 4.96%

2 INTEREST EXPENSES 13890.38 14877.19 986.81 7.10%

3 NII (Spread) (1-2) 5127.10 5084.19 -42.91 -0.84%

4 NON INTEREST INCOME 1945.27 2121.40 176.13 9.05%

5 OPERATING EXPENSES 2916.88 2978.52 61.64 2.11%

6 OPERATING PROFIT 4155.49 4227.07 71.58 1.72%

18

(` in Crore)

S.

NO. PARAMETERS

Mar-14

FY

Mar-15

FY

Variation Y-o-Y

AMT %

1 OPERATING PROFIT 4155.49 4227.07 71.58 1.72%

2 PROVISIONS 3016.08 3729.99 713.91 23.67%

2 a Prov. for Depreciation on Investment 135.65 69.60 -66.05 -48.69%

2 b Prov. for Depreciation on Investment- ARCIL (FY 13-14)

0.00 280.43 280.43 -

2 c Prov. for taxes 441.01 137.70 -303.31 -68.78%

2 d Prov. for NPA 1686.47 1991.26 304.79 18.07%

2 e Prov. for Standard Assets 159.00 318.00 159.00 100.00%

2 f Prov. for Wage Revision 104.00 309.74 205.74 197.83%

2 g Prov. for Unhedged Forex Exposure 0.00 11.13 11.13 -

2 h Other Provisions 489.95 612.13 122.18 24.94%

3 Net Profit (1-2) 1139.41 *497.08 -642.33 -56.37%

* FY 14-15 figure includes debits relating to FY 13-14 for an amount of `349.02 Crore (`280.43 Crore for sale of assets to ARCIL and `68.59 Crore for wage revision for that period)

19

S. N.

PARAMETERS Mar-14

Q4

Mar-15

Q4

Var.

Y-o-Y

Mar-14

FY

Mar-15

FY

Var.

Y-o-Y

1 Cost of Deposit 7.65% 7.67% 2 bps 7.67% 7.69% 2 bps

2 Cost of Funds 6.77% 6.75% -2 bps 6.83% 6.86% 3 bps

3 Yield on Advances 11.73% 11.57% -16 bps 11.94% 11.73% -21 bps

4 Yield on Investment

(without Profit) 7.47% 7.59% 12 bps 7.49% 7.55% 6 bps

5 Yield on Investment

(with Profit) 7.66% 8.98% 132 bps 7.94% 8.58% 64 bps

6 Yield on Funds 9.24% 9.06% -18 bps 9.35% 9.21% -14 bps

7 Net Interest Margin 2.72% 2.58% -14 bps 2.78% 2.61% -17 bps

20

S. NO.

PARAMETERS Mar-14

Q4

Mar-15

Q4

Var.

Q <>Q

Y-o-Y

Mar-14

FY

Mar-15

FY

Var.

FY <> FY

Y-o-Y

1 Business per Employee

(` in Crore) 17.10 17.43 1.93% 17.10 17.43 1.93%

2 Business per Branch

(` in Crore) 157.15 156.40 -0.48% 157.15 156.40 -0.48%

3 Book Value per share [` ] 420.49 438.80 4.35% 420.49 438.80 4.35%

4 Cost to Income Ratio 32.93% 36.89% 396 bps 41.24% 41.34% 10 bps

5 Return on Equity 10.19% -5.51% -1570 bps 9.35% 3.86% -549 bps

6 Return on Assets 0.58% -0.32% -90 bps 0.56% 0.23% -33 bps

21

S. NO.

PARTICULARS Mar 14 (BASEL II)

Mar 14 (BASEL III)

Mar 15 (BASEL II)

Mar 15 (BASEL III)

CAPITAL FUND:-

1 Tier I 13629 13103 14454 13869

2 Tier II 3871 3177 5040 4252

3 Total (I+II) 17500 16280 19494 18121

4 Risk-weighted Assets 147655 147936 158776 158945

5 Capital Adequacy ratio (%) 11.85% 11.01% 12.28% 11.41%

6 Tier I (%) 9.23% 8.86% 9.11% 8.73%

7 Tier II (%) 2.62% 2.15% 3.17% 2.68%

During the FY 2014-15, Bank has raised ` 1000 Cr Tier II Capital Instrument on 27.10.2014 and raised ` 500 Cr of Tier I Capital Instrument on 10.02.2015.

(` in Crore)

22

(` in Crore)

S. NO.

PARAMETERS Mar-14 Mar-15 Y-o-Y

% Growth

1 Total Priority Sector 54268.10 57112.93 5.24 %

2 Total Agriculture 21176.58 22541.44 6.45 %

3 Micro & Small Enterprises 25525.06 28969.61 13.49 %

4 Weaker Section 13882.92 14899.73 7.32 %

5 Minority Community 8523.69 8677.35 1.80 %

23

S. NO.

SCHEME Mar-14 Mar-15

Y-o-Y

% Growth

Total Retail Credit 16128.08 18122.83 12.37 %

Out of which

1 Housing Loan 7203.66 8031.48 11.49%

2 Vehicle Loan 1625.82 1764.65 8.54%

3 Education Loan 1270.79 1314.47 3.44%

(` in Crore)

10000

11000

12000

13000

14000

15000

16000

17000

18000

19000

Mar-14 Mar-15

16128

18123

Retail Credit as a % of Total Advances has increased from 11.46% as on Mar-14 to 12.24% as on Mar-15

24

PARAMETERS Mar-14 Mar-15 Y-o-Y

% Growth

%age to total

Advances

Retail 16,128 18,123 12.37 % 12.24%

Agriculture (excluding RIDF)

17,699 18,093 2.23 % 12.22%

MSME 30,561 33,093 8.29% 22.35%

Total RAM 64,388 69,309 7.64% 46.82%

Corporate Credit (Other than RAM)

75,636 77,876 2.96% 52.61%

Staff Loans 741 854 15.25% 0.58%

Total Advances 1,40,765 1,48,039 5.17 % 100.00%

(` in Crore)

25

Sector Amt. FB O/s 31.03.2015

(` in Crore) %age to

Total Credit

Industry (excl. Infra) 40331.37 27.24%

Infrastructure 25349.53 17.12%

(Out of which Power) (14581) (9.85%)

Agriculture (excluding RIDF) 18092.68 12.22%

Retail 18122.83 12.24%

NBFC 13801.64 9.32%

Commercial Real Estate 7700.73 5.20%

Trade 6115.37 4.13%

Food Credit 2577.56 1.74%

Others 15947.31 10.79%

Total 148039.02 100.00%

26

Industry Segment

Amt.

FB O/s

31.03.15 (` in Crore)

%age to Total

Industry

%age to Total

Credit

Iron & Steel 9654.92 23.94% 6.52%

Textile 7080.29 17.56% 4.78%

Food Processing 5372.30 13.32% 3.63%

All Engg. 2571.03 6.37% 1.74%

Vehicles, Vehicle Parts & Transport Equipments 1613.03 4.00% 1.09%

Constructions 1679.35 4.16% 1.13%

Chemical, Dyes, Paints etc. 1310.14 3.25% 0.88%

Paper & Paper Product 1218.18 3.02% 0.82%

Other Metal & Metal Products 926.56 2.30% 0.63%

Other Industries 8905.57 22.08% 6.02%

Total Industry 40331.37 100.00% 27.24%

Gross Advances 148039.02 NA 100.00%

27

Break up of exposure to Power Sector

(` in Crore)

Segment 31.03.2014 31.03.2015 Y-o-Y

Total Infrastructure 34688 33510 -3.40%

Out of which:

- Power 21167 19833 -6.30%

- Ports, Roads & Highways 8326 7552 -9.30%

-Telecom 2585 3074 18.92%

Particular 31.03.2015 % to Total Exp. % to Total Power

Central Govt. 982 0.46% 4.95%

State Govt. 11246 5.26% 56.70%

Private 7605 3.55% 38.35%

Total 19833 9.27% 100.00%

28

As on 31.03.2014 As on 31.03.2015

CATEGORY HTM AFS HFT Total HTM AFS HFT Total

SLR 40765.92 5508.51 45.25 46319.68 43009.79 8802.22 0.00 51812.01

NSLR 7236.84 8068.16 0.31 15305.31 6781.68 9243.26 637.68 16662.62

TOTAL 48002.76 13576.67 45.56 61624.99 49791.47 18045.48 637.68 68474.63

% to Total Portfolio

77.90% 22.03% 0.07% 100.00% 72.72% 26.35% 0.93% 100.00%

(` in Crore)

29

(` In Crore)

S.

No

Period of

Restructuring

Restructured

amount

Additional/

Incremental

facilities

Total

1 Upto 2013-14 8461 5673 14134

2 2014-15 (9M) 3883 263 4146

3 2014-15 (Q4) 1755 51 1806

Total 14099 5987 * 20086

(*) Includes aggregate exposure of ` 7074 Crore (35.22%) to PSUs comprising Air India (` 1148 crore), Discoms (` 5495 crore) and Gujarat State Electricity Corporation Ltd (` 431 crore).

30

(` in Crore)

S.

NO. PARAMETERS Mar-14 Dec-14 Mar-15

1 Gross NPA 5617.86 7669.22 7666.22

2 Gross NPA as % of Gross Advances 3.99% 5.43% 5.18%

3 Net NPA 3904.42 5080.36 4816.24

4 Net NPA as a % of Net Advances 2.82% 3.68% 3.34%

5 Provision Coverage Ratio 60.15% 57.39% 60.59%

31

S.No PARTICULAR Mar-14

Q4

Dec-14

Q3

Mar-15

Q4

1 Opening Gross NPAs 5184.11 6643.80 7669.22

2 Recovery in Ledger Balance 371.84 218.65 343.03

3 Up gradation 34.44 58.68 51.83

4 Write Off 365.23 39.71 370.32

5 Total Reduction (2+3+4) 771.51 317.04 765.18

6 Fresh Addition 1205.26 1342.46 762.18

7 Closing Gross NPAs 5617.86 7669.22 7666.22

8 Provision 1713.44 2588.86 2849.98

9 Closing Net NPAs 3904.42 5080.36 4816.24

10-a Cash Recovery in Bad Debt Written-off 385.03 65.31 126.81

10-b Cash Recovery in Recorded Interest 28.05 15.89 10.77

10 Total Cash Recovery in Revenue i.e.(10a+10b) 413.08 81.20 137.58

11 Total Recovery including upgradation (2+3+10) 819.36 358.53 532.44

(` in Crore)

32

S.No PARTICULAR Mar-14

FY

Mar-15

FY

1 Opening Gross NPAs 4183.96 5617.86

2 Recovery in Ledger Balance 913.35 1009.79

3 Up gradation 427.34 531.18

4 Write Off 1252.49 924.94

5 Total Reduction (2+3+4) 2593.18 2465.91

6 Fresh Addition 4027.08 4514.27

7 Closing Gross NPAs 5617.86 7666.22

8 Provision 1713.44 2849.98

9 Closing Net NPAs 3904.42 4816.24

10-a Cash Recovery in Bad Debt Written-off 611.05 431.19

10-b Cash Recovery in Recorded Interest 127.56 136.76

10 Total Cash Recovery in Revenue i.e.(10a+10b) 738.61 567.95

11 Total Recovery including upgradation (2+3+10) 2079.30 2108.92

(` in Crore)

Sector/ Industries

O/s

March-14

NPA

March-14

% of NPA

to O/s in the Sector March-14

% of NPA to

Gross NPA

March-14

O/s

March-15

NPA

March-15

% of NPA to O/s in

the Sector March-15

% of NPA to

Gross NPA

March-15

Retail 16,128 374 2.32% 6.65% 18,123 416 2.29% 5.42%

Agriculture (Excl.RIDF)

17,699 942 5.32% 16.77% 18,093 1,039 5.74% 13.55%

MSME 30,561 1,479 4.84% 26.33% 33,093 1,722 5.20% 22.47%

Total RAM 64,388 2,795 4.34% 49.75% 69,309 3,177 4.58% 41.44%

Corporate Credit other than RAM

75,636 2,823 3.73% 50.25% 77,876 4,489 5.76% 58.56%

Staff Loans 741 - - - 854 - - -

Total Advances

1,40,765 5,618 3.99% 100% 1,48,039 7,666 5.18% 100%

33

(` in Crore)

Sector/ Industries

O/s

March-14

NPA

March-14

% of NPA

to O/s in the Sector March-14

% of NPA to

Gross NPA

March-14

O/s

March-15

NPA

March-15

% of NPA to O/s in

the Sector March-15

% of NPA to

Gross NPA

March-15

Infrastructure 23921.26 116.05 0.49% 2.07% 25349.53 421.28 1.66% 5.50%

Textile 7565.15 529.32 7.00% 9.42% 7080.29 939.15 13.26% 12.25%

Iron & Steel 8568.39 448.70 5.24% 7.99% 9654.92 1089.73 11.29% 14.21%

Food Proc. 4735.16 235.80 4.98% 4.20% 5372.30 486.36 9.05% 6.34%

NBFC 13657.62 0.00 0.00% 0.00% 13801.64 0.00 0.00% 0.00%

34

(` in Crore)

35

0

3000

6000

9000

12000

15000

18000

21000


9440 (52%)

9905 (52%)

10077 (52%)

10413 (51%)

5949 (32%)

5601 (30%)

6042 (31%)

6795 (34%)

2982 (16%)

3385 (18%)

3431 (17%)

2992 (15%)

18891 19550 20200

Subordinate

Non-Subordinate (Clerks)

Officers

18371

36

0

500

1000

1500

2000

2500


1270 1452

2128 2488

0

20

40

60

80


32.71 39.09

49.71

74.77

0

2

4

6

8

10


4.46 5.57

6.67

8.18

0.00

0.20

0.40

0.60

0.80

1.00


0.19

0.35

0.55

0.81

1 Number of Accounts opened since 16.08.2014 24.96 Lakh

2 Number of RuPay cards issued 24.60 Lakh

3 Deposits in accounts ` 1359 Crore

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Scheme No. of Enrolments Total

Enrolments URBAN RURAL

Pradhan Mantri Suraksha Bima Yojana (PMSBY) 6.21 Lakh 3.46 Lakh 9.67 Lakh

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) 1.87 Lakh 0.98 Lakh 2.85 Lakh

TOTAL 8.08 Lakh 4.44 Lakh 12.52 Lakh

• Bank has launched Platinum RuPay Debit Card on 19th February 2015.

• Bank has launched several Value Added Services on 19th February 2015 e.g:

• Card to Card fund transfer through ATMs.

• Bilingual ATMs

• DTH Recharge through ATMs

• Mobile Top-up through ATMs

• E-Commerce transactions through RuPay Debit Card.

• Separate limit for e-Commerce transaction through Debit Card.

• Bank has Enabled all Micro ATMs for AEPS transactions.

• Bank has Launched NACH (National Automated Clearing House) Debit Services as Sponsor Bank.

38

39

Swachch Vidayalaya Campaign: The Bank has earmarked an amount

of `2.00 Crore for constructing toilets in various Govt. schools. The construction is being done on Pan India basis on Priority and as focused CSR activity, leading towards the dream of a “Clean and Safe” India. During the year we have completed the construction of more than 227 Toilets in 177 Government Schools across the Country

The Bank has undertaken various CSR activities during FY 2014-15 like donation of e-Mobile Clinic Van for e-OPD, Veterinary Ambulances, School Buses for transportation facility of poor & needy students, water cooler & purifiers, medical beds and medicines to poor patients, computers, solar lamps etc. The Bank has also donated for construction & renovation of school buildings and plantation of saplings to mitigate pollution.

1. m/s p.l. tandon & co., kanpur 2. m/s shah & taparia ... · 3 mar 2014 mar 2015 govt. of...

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