Investor Presentation
31.03.2018
2
Blending Tradition with Modernity …….
Inception 1916 | Customer Base 6.88 million
102 years Consistently Profitable & Unbroken Dividend Pay Out
1st BANK RBI approves us as the first bank to issue BONUS SHARES
Banking technology pioneers 13 years | 100 % CBS 2005
Top Credit Rating (short term borrowings) by CRISIL & ICRA A1+
3
KVB – an unique franchise!
Bank of Choice, trusted by : Over 6.8 million individuals
Over 450000 businesses
Over 700000 customers involved in agriculture
Unmatched presence in India’s fast growing hinterland
CATEGORY No of Branches*
Metro 205
Urban 162
Semi Urban 300
Rural 47
Unbanked Rural 85
Total 799
Customer service excellence the differentiator
3
16
28
52
4
6
1
1
1
5
2
16
6
420
21
7
1
59
119
7
14
1
Metro 26%
Urban20%
Semi Urban
38%
Rural 16%
Category 31.03.18 31.03.17 31.03.16
Branches 790 711 667
ATM's + Cash
Recyclers 2328 2191 2008
* Includes extension counters & satellite branches
4
Performance Highlights FY 2017-18
§ Total Business crosses Rs.1,00,000 crore milestone to Rs. 1,02,863 crore,
registering a growth of 8%
§ Robust credit growth of 11% (Rs. 4,538 crore) - gross advances stands at
Rs. 45,973 crore
§ CASA balances continue to grow well - 11% growth Y-o-Y.
§ CA growth - 13% & SA growth - 10%. CASA mix up at 29%
§ Operating Profit improves by 13% to Rs. 1,777 crore
§ Net Interest Income up by Rs. 225 crore (11% rise)
§ NIM improves by 16 bps to 3.86%
§ Other Income increases by Rs. 118 crore (15% rise)
§ CRAR stands at 14.43%
5
Blending Tradition with Modernity
• Core banking platform upgradation underway – Upgrading to version 11.7 of Flexcube for improved security & functionality
– Based on service oriented architecture that enables open API banking
– Integration gateway enabled
• Digital transformation progressing well
– Home loan & working capital loan renewal live
– Fully paperless solution available in assisted & self service modes
• Dedicated Asset Sales Force created to facilitate retail asset growth
• Third Party Product Sales Force established – To facilitate sale of Insurance/Investment & other ancillary products
• Centralized Collection Infrastructure established – Live since January 2018
– Retail Credit products covered, Commercial products coverage to start in Q3
• Chief Risk Officer in Place
– Recruitment initiated to establish a Best in Class Risk Functions
• Analytics – Centre of Excellence
– Being established (Q3, 2018)
6
Digital Transformation
Working Capital
(Renewal)
Mar. 2018 Home Loans
Mar. 2018
Loan Against
Property Scheduled*
Jun. 2018 Personal Loan
Scheduled* Jun. 2018
Auto Loans Scheduled* Aug. 2018
Commercial
Credit Card Scheduled* Q3, FY18-19
Digital Bank Scheduled*
Jul. 18
Working Capital (Fresh)
Scheduled* Aug. 18
* Scheduled dates are provided on the basis of information available at this time, these are subject to change
7
The New Operational Paradigm – A Work in Progress
Hyper Local branches with
empowered Managers to
meet customer needs
immediately
8
BUSINESS
8%
ADVANCES
11%
OPERATING PROFIT
Rs. 1,777 cr. 13%
CASA
Rs. 16,577 cr. 11%
3.86% NIM*
16 bps
14.43% CRAR
Performance Highlights FY 2017-18
*Includes revenue of non recurring nature. Net of such revenue NIM stands at 3.74%
9
Net Profit
Rs. 51 crore
Operating Profit
Rs. 480 crore
ROA 0.30%
NIM* 4.13%
Net NPA
4.16 %
Q4 FY18 Results Snapshot
10
*Includes revenue of non recurring nature. Net of such revenue NIM stands at 3.70%
Particulars
FY 2017-18 FY 2016-17 Y-o-Y (%)
Capital & Liabilities
Capital 145 122 18.85
Reserves and Surplus 6,119 4,914 24.52
Deposits 56,890 53,700 5.94
Borrowings 2,382 1,696 40.45
Other Liabilities and Provisions 1,393 1,376 1.24
Total 66,929 61,808 8.29
Assets
Cash and Balances with RBI 2,960 2,790 6.09
Balances with Banks 1,337 1,555 (14.02)
Investments 15,803 14,857 6.37
Advances 44,800 40,908 9.51
Fixed Assets 528 419 26.01
Other Assets 1,501 1,279 17.36
Total 66,929 61,808 8.29
Business (Gross Advances + Deposits) 1,02,863 95,135 8.12
Balance Sheet
(Rs. in crore)
11
Income v/s Expenses
INR crore
1249
1466
1781
2074
2298
0
500
1000
1500
2000
2500
FY 14 FY 15 FY 16 FY 17 FY 18
Net Interest Income
1010 1103
1185 1285
1421
0
500
1000
1500
FY 14 FY 15 FY 16 FY 17 FY 18
Operating Expense
528 547 547 608
639
0
200
400
600
800
FY 14 FY 15 FY 16 FY 17 FY 18
Staff Cost
12
564 581
707 782
900
0
500
1000
FY 14 FY 15 FY 16 FY 17 FY 18
Non Interest Income
Profit and Loss A/c (Rs. in crore)
Particulars Mar-18 Mar-17 YoY (%)
Net Interest Income 2,298 2,074 10.80
Other Income 900 782 15.09
Total Income 3,198 2,856 11.97
Operating Expenses 1,421 1,285 10.58
Operating Profit 1,777 1,571 13.11
Provisions 1,273 688 85.03
Credit Related 1,190 648 83.64
Others 83 40 107.5
Profit Before Tax 504 883 (42.92)
Tax 158 277 -
Net Profit 346 606 (42.90)
13 Operating expenses includes additional expenditure of Rs.26 Cr towards increase in
gratuity ceiling from Rs.10 Lakhs to Rs.20 Lakhs.
Profit and Loss A/c (Quarter)
(Rs. in crore)
Particulars Q4
FY 17-18 Q4
FY 16-17 YoY (%)
Net Interest Income 643 580 10.86
Other Income 209 232 (9.91)
Total Income 852 812 4.93
Operating Expenses 372 305 21.97
Operating Profit 480 507 (5.33)
Provisions 394 217 81.57
Credit Related 360 198 81.82
Others 34 19 78.95
Profit Before Tax 86 290 (70.34)
Tax 35 72 -
Net Profit 51 218 (76.61)
14 Operating expenses includes additional expenditure of Rs.26 Cr towards increase in
gratuity ceiling from Rs.10 Lakhs to Rs.20 Lakhs.
Break Up of Other Income
(Rs. in crore)
Particulars FY 17-18 FY 16-17 YoY (%)
TOTAL NON INTEREST INCOME 900 782 15.09
1) Fee Income 799 577 38.47
• Commissions 617 480 28.54
• Forex 44 38 15.79
• Others* 138 59 133.90
2) Investments trading profit 101 205 (50.73)
*Includes recoveries from Written Off A/c’s - Rs. 44 crore (Rs. 5 crore in FY 2016-17)
15
Break Up of Other Income (Quarter)
(Rs. in crore)
Particulars Q4
FY 17-18 Q4
FY 16-17 YoY (%)
TOTAL NON INTEREST INCOME 209 233 (10.30)
1) Fee Income 201 155 29.67
• Commissions 153 127 20.47
• Forex 14 11 27.27
• Others* 34 17 100
2) Investment trading profit 8 78 (89.74)
*Includes recoveries from Written Off A/c’s - Rs. 7 crore (Q4 FY 17-18) & Rs. 4 crore (Q4 FY 16-17)
16
Healthy Other Income Profile
Growth in Other Income Fee income consistently contributes > 60% of other income
• Non interest income accrues from diverse sources – fee based, digital products, bancassurance etc. and has shown steady growth
• Share in Total Income 14% (FY 2017-18)
60% 69% 66% 61%
69%
18%
12% 13% 26% 11%
7% 7% 7%
5%
5%
16% 12% 14% 7%
15%
0%
20%
40%
60%
80%
100%
FY 14 FY 15 FY 16 FY 17 FY 18
Fee Income % Treasury % Forex Gain % Others %
564 581
707
782
900
10% 10%
11%
12%
14%
5
10
15
20
200
400
600
800
1000
FY 14 FY 15 FY 16 FY 17 FY 18
Other Income Other Income as % of Total Income
(Rs. in crore)
17
Key Ratios (Annual)
2.91%
3.43%
3.70% 3.86%
2.00%
2.50%
3.00%
3.50%
4.00%
Mar 15 Mar 16 Mar 17 Mar 18
NIM 53.91%
47.63%
44.99% 44.43%
40.00%
45.00%
50.00%
55.00%
Mar 15 Mar 16 Mar 17 Mar 18
Cost to Income %
0.88%
1.03% 1.00%
0.53%
0.00%
0.50%
1.00%
1.50%
Mar 15 Mar 16 Mar 17 Mar 18
ROA
10.93%
12.41% 12.03%
5.52%
0.00%
4.00%
8.00%
12.00%
Mar 15 Mar 16 Mar 17 Mar 18
ROE
18
Key Ratios (Quarterly)
4.04%
3.76% 3.81% 3.71%
4.13%
3.00%
3.50%
4.00%
4.50%
Mar 17 June 17 Sep 17 Dec 17 Mar 18
NIM
37.55%
42.00%
45.61% 46.45% 43.73%
25.00%
35.00%
45.00%
55.00%
Mar 17 June 17 Sep 17 Dec 17 Mar 18
Cost to Income %
1.39%
0.95%
0.48% 0.43% 0.30%
0.00%
0.50%
1.00%
1.50%
Mar 17 June 17 Sep 17 Dec 17 Mar 18
ROA 17.28%
11.71%
5.76%
4.60% 3.23%
0.00%
5.00%
10.00%
15.00%
20.00%
Mar 17 June 17 Sep 17 Dec 17 Mar 18
ROE
19
Key Ratios
Particulars FY 17-18 FY 16-17
Cost of Deposits 5.99% 6.60%
Yield on Advances 10.30% 11.34%
Cost of Funds 5.91% 6.52%
Yield on Funds 9.13% 9.62%
NIM 3.86% 3.70%
Spread 3.22% 3.10%
Cost Income Ratio 44.43% 44.99%
Business/Emp. (Rs. Crore) 12.92 12.85
Profit/Emp. (Rs. Lakh) 4.35 8.19
20
4.04 4.18 4.26
4.74
4.31
2.64 2.91
3.43 3.70
3.86
2.09 2.27
2.71
3.10 3.22
1.00
3.00
5.00
Mar 14 Mar 15 Mar 16 Mar 17 Mar 18
Spread(Deposits and Advances)% NIM% Spread on Funds%
Key Ratios (Quarterly) Particulars Q4 FY 17-18 Q4 FY 16-17
Cost of Deposits 5.78% 6.15%
Yield on Advances 9.89% 11.23%
Cost of Funds 5.70% 6.03%
Yield on Funds 9.14% 9.52%
NIM 4.13% 4.04%
Spread 3.44% 3.49%
Cost Income Ratio 43.73% 37.55%
Business/Emp. (Rs. Crore) 12.92 12.85
Profit/Emp. (Rs. Lakh) 2.56 11.73
21
4.25% 4.39%
4.61%
4.86% 5.08%
4.43% 4.43%
4.23% 4.11%
3.55% 3.52% 3.61%
3.68%
4.04%
3.76% 3.81% 3.71%
4.13%
2.99% 2.90%
3.01%
3.21%
3.39%
3.17% 3.19% 3.07%
3.44%
2.89%
3.99%
5.09%
Mar 16 June 16 Sep 16 Dec 16 Mar 17 June 17 Sep 17 Dec 17 Mar 18
Spread(Deposits and Advances) NIM Spread on Funds
Advances v/s Deposits
INR ‘000 crore
5 6 8
10 11
4 4
4
5 6
0
5
10
15
20
FY 14 FY 15 FY 16 FY 17 FY 18
CASA
Savings Demand
22%
23.30%
27.73%
29.14%
20%
25%
30%
FY 15 FY 16 FY 17 FY 18
CASA Mix %
34 36 39 41 45
66%
68%
66% 66%
67%
0
10
20
30
40
50
60%
62%
64%
66%
68%
70%
FY 14 FY 15 FY 16 FY 17 FY 18
Advances Advances as a % of Total Assets
Loans and Advances
44 45 50
54 57
0
20
40
60
80
FY 14 FY 15 FY 16 FY 17 FY 18
Customer Deposits
22
Retail Liability Franchise-Granular and Sticky
Low dependence on wholesale deposits Low concentration of Deposits
Break Up of Deposits (FY18)
Term deposits are primarily retail deposits. Only 8% of term deposits are > Rs.5 Cr 71%
10%
19%
Term Deposits Demand Deposits Savings Deposits
12%
9% 9%
7% 6%
0%
5%
10%
15%
FY 14 FY 15 FY 16 FY 17 FY 18
Concentration of Top 20 depositors %
63%
23%
6%
8%
< Rs.15 Lakhs
Rs.15 Lakhs-Rs.1 Cr
Rs.1 Cr-Rs.5 Cr
> Rs.5 Cr
23
Total Deposits & CASA
Particulars FY 17-18 FY 16-17 Y-o-Y Growth
Total Deposits 56,890 53,700 5.94%
Demand 5,576 4,921 13.31%
Savings 11,001 9,968 10.36%
Term Deposits 40,313 38,811 3.87%
CASA 16,577 14,889 11.34%
CASA % 29.14% 27.73%
(Rs. in crore)
24
Investment Portfolio
Investments (Rs. crore) Portfolio wise Investment
Investment Portfolio
Debentures/CD/MF/CP includes SRs of Rs.492.48 crore (3.08%)
Modified Duration
HTM AFS HFT Total
4.65 3.47 0.00 4.32
Yield on Investment
14955
15992
Mar 17 Mar 1870.42%
29.58%
0% HTM
AFS
HFT
87.71%
11.35%
0.94%
SLR Debentures/CD/MF/CP Shares
7.22% 7.00%
Mar 17 Mar 18
25
Advances Portfolio
(Rs. in crore)
Segment wise contribution to advances portfolio
31%
35%
17%
17%
FY 17-18
33%
35%
17%
15%
FY 16-17 Corporate
Commercial
Agri
Retail
Particulars FY 17-18 FY 16-17 Y-o-Y Growth %
Advances 45,973 41,435 10.95
Commercial 16,095 14,504 10.97
Corporate 14,397 13,612 5.77
Agriculture 7,861 6,979 12.64
Retail (Personal Banking) 7,620 6,340 20.19
Jewel Loans
(incl. in above) 7,092 6,159 15.15
26
Advances – Business Verticals
Advances by Value Advances (%)
ABG - Agri Banking , CBG – Commercial Banking, CIG – Corporate Banking, PBG – Personal Banking
6093 6240
7032 6979 7861
11188 11774
12763
14504
16095
12841 13402 13763
13612
14397
4304 5275
5918 6340
7620
0
4000
8000
12000
16000
20000
FY14 FY15 FY16 FY17 FY18
ABG CBG CIG PBG
18% 17% 18% 17% 17%
32% 32% 32%
35% 35% 37% 37%
35%
33% 31%
13% 14% 15% 15% 17%
0%
10%
20%
30%
40%
FY14 FY15 FY16 FY17 FY18
ABG CBG CIG PBG
27
Granular Loan Book
Commercial book
• Average ticket size of Rs 3.9 Mn • 80% of commercial loans are less than
Rs. 50 Mn
Corporate book
• Average ticket size of Rs 353 Mn • 69 % of corporate loans are less than
Rs.1 Bn
Commercial Loans : Exposures upto Rs. 250 Mn Corporate Loans : Exposures above Rs. 250 Mn
80%
11%
8%
1%
< 50 Mn
>= 50 Mn < 100 Mn
>= 100 Mn < 250 Mn
>= 250 Mn
16%
28%
25%
31%
< 250 Mn
>= 250 Mn < 500 Mn
>= 500 Mn < 1 Bn
>= 1 Bn
28
Advances - Composition Sub-sectoral exposures well spread out; diversified industrial exposures (FY 17-18)
Rs.460 Bn Breakup of Industrial exposure (Rs.136 Bn)
Working capital focus enables quicker repricing of loans Low concentration: Top 20 borrowers (% of overall loans)
MANUFACTURING SECTOR
30%
JEWEL LOAN 15%
PERSONAL LOAN 13%
TRADING 17%
BILLS 3%
NBFC 3%
OTHER EXPOSURES
19% INFRASTURCTURE 17%
POWER 4%
TEXTILES 30%
IRON AND STEEL 10%
FOOD PROCESSING
5%
CHEMICALS AND CHEMICAL
PRODUCTS 4%
ALL ENGINEERING
5%
CEMENT 2%
TRANSPORT SECTOR
3%
GEMS AND JEWELLERY 4%
OTHERS 16%
88% 83% 79% 79% 80%
12% 17% 21% 21% 20%
FY14 FY15 FY16 FY17 FY18
Working Capital Loans Term Loans
12% 11%
10% 10%
8%
FY14 FY15 FY16 FY17 FY1829
Advances – Sector Details
Particulars
Amount (Rs.in Crore) % to Total Advance Growth
Mar 18 Mar 17 Mar 18 Mar 17 Amt %
Manufacturing sector
13,626 12,686 29.64 30.62 940 7.41
Trading 7,851 6,889 17.08 16.63 962 13.96
Jewel loan 7,092 6,159 15.43 14.86 933 15.15
Personal loans @ 5,790 5,488 12.59 13.24 302 5.50
CRE 2,761 2,201 6.01 5.31 560 25.44
Bills 1,542 1,592 3.35 3.84 (50) (3.14)
NBFC 1,295 1,159 2.82 2.80 136 11.73
Capital market 71 111 0.15 0.27 (40) (36.04)
Others* 5,945 5,150 12.93 12.43 795 15.44
Total Advances 45,973 41,435 100.00 100.00 4,538 10.95
@ Vehicle, Housing, Deposit loans & Insta Loans *Exposure to other service sectors.
30
Manufacturing Sector - Industry Wise
Industry Amount (Rs.in Crore) % to Total Advance Growth over Mar 17
Mar 18 Mar 17 Mar 18 Mar 17 Amount %
TEXTILES 4,154 3,769 9.0 9.1 385 10.2
INFRASTRUCTURE 2,787 2,964 6.1 7.2 (177) (6.0)
BASIC METAL & METAL
PRODUCTS 1,324 1,194 2.9 2.9 130 10.9
FOOD PROCESSING 749 536 1.6 1.3 213 39.7
ALL ENGINEERING 625 513 1.4 1.2 111 21.6
CHEMICALS & CHEMICAL
PRODUCTS 513 522 1.1 1.3 (9) (1.7)
GEMS & JEWELLERY 501 444 1.1 1.1 57 12.8
CONSTRUCTION 471 371 1.0 0.9 100 27.0
TRANSPORT SECTOR 400 396 0.9 1.0 4 1.0
RUBBER & PLASTIC PRODUCTS 361 355 0.8 0.9 6 1.7
CEMENT & CEMENT
PRODUCTS 292 385 0.6 0.9 (93) (24.2)
WOOD & WOOD PRODUCTS 304 268 0.7 0.6 36 13.4
PAPER & PAPER PRODUCTS 251 195 0.5 0.5 56 28.7
MINING & QUARRYING 187 304 0.4 0.7 (117) (38.5)
BEVERAGES & TOBACCO 180 112 0.4 0.3 68 60.7
LEATHER & LEATHER
PRODUCTS 61 37 0.1 0.1 24 64.9
GLASS & GLASSWARE 58 40 0.1 0.1 18 45
PETROLEUM 30 34 0.1 0.1 (4) (11.8)
OTHER INDUSTRIES 379 247 0.8 0.6 132 53.4
TOTAL 13,626 12,686 29.6 30.6 940 7.4
31
Retail Portfolio
Segment Amount (Rs. in crore)
Mar-18 Mar-17 Mar-16 Mar-15 Mar-14
Housing 2,795 2,330 2,094 1,757 1,387
Mortgage (LAP) 1,393 965 787 568 381
Vehicle 1,017 921 831 782 735
Jewel Loans 578 596 703 793 802
Personal Loans 296 316 354 356 353
Education Loans 261 266 245 207 169
Others 1,045 946 904 779 464
Total 7,385 6,340 5,918 5,242 4,291
(Rs. in crore)
32
Security Coverage (Rs. in crore)
CATEGORY 31.03.18
Exposure backed by - Letter of Credit 895
Liquid Assets ^ 7,836
Vehicles 1,747
Commodities 1,131
Total (1) 11,609 Exposure secured by Immovable Property (% Coverage)
> 100% 23,485
90% to <100% 4,454
75% to <90% 2,091
50% to <75% 3,874
<50% 3,483
Total (2) 37,387 Exposure without Immovable property as security Corporate, Consortium, Government, IBPC etc. 2,679
Unsecured Exposure 416
Total (3) 3,095
Total Risk Assets outstanding – Fund and Non Funded (1+2+3)* 52,091
* Total risk assets excludes technical write off accounts ^Liquid Assets - Cash, Jewels, NSC/Insurance policies & other liquid assets Coverage defined as (Value of Security)/Loan Principal O/s; & is based on available valuation.
33
Stress Accounts (Rs. in crore)
Category 31.03.18 31.03.17
SDR Outstanding Nil 105
5/25 76 77
S4A Accounts 79 54
Sale to ARC during the year Nil Nil
34
Sector-wise Restructured Advances
S. N. SECTOR AMOUNT (Rs. In Crore) (%) to Total Rest. Adv
Mar-18 Mar-17 Mar-18 Mar-17
1 INFRASTRUCTURE 200.59 416.36 76.44 49.46
2 TEXTILES 42.59 119.88 16.23 14.24
3 AGRICULTURE 7.07 7.63 2.69 0.91
4 EDUCATIONAL LOANS 0.08 0.15 0.03 0.02
5 AUTO LOANS - 32.47 - 3.86
6 FOOD PROCESSING - 236.94 - 28.15
7 OTHERS 12.1 28.38 4.61 3.37
TOTAL 262.43 841.81 100 100
% to Total Standard Advance 0.57% 2.03%
35
2.69
76.44
16.23
0.03
4.61
% to Total Restructured Advances-Mar 18
0.91
49.46
14.24
3.86
0.02
28.15
3.37
% to Total Restructured Advances-Mar 17 Agri
Infra
Textiles
Auto Loans
Educational Loans
Food Process
Others
Movement of Restructured Advances
(Rs. in crore)
Particulars
Apr-17 to Mar-18 Jan-18 to Mar-18
No of
A/c’s Amount
No of
A/c’s Amount
Position at the beginning of the period - [A] 33 841.81 32 715.24
Addition during the period - [B] 3 0.05 - -
Addition of facilities in existing A/c’s - [C] - - - -
Addition through upgradation from NPA – [D] 2 0.04 - -
Accounts closed during the period - [E] 5 0.60 1 0.08
Accounts ceasing to attract higher provision
(upgradation)– [F] 3 9.97 3 10.21
Amount recovered during the period – [G] - 11.00 - 7.66
Accounts slipping to NPA during the period - [H] 8 557.90 6 434.86
Position at the end of the period
A+B+C+D-(E+F+G+H) 22 262.43 22 262.43
36
NPAs, Provisions & PCR
(Rs. in crore)
37
1484 1807
2136
2663
3016
1033 1189
1407 1699
1863
429 586 692
929 1091
Mar-17 Jun-17 Sep-17 Dec-17 Mar-18
Gross NPA
Net NPA
NPA Provision
2.53 2.85
3.24
3.88 4.16
3.58
4.27
4.83
5.94
6.56
Mar-17 Jun-17 Sep-17 Dec-17 Mar-18
Net NPA% Gross NPA%
57.83 57.01
54.09 54.07
56.50
Mar 17 June 17 Sep 17 Dec 17 Mar 18
Provision Coverage Ratio%
Movement of NPA (Rs. in crore)
Particulars Apr 17 - Mar 18 Apr 16 - Mar 17
Movement of Gross NPAs
Opening Balance 1,484 511 Additions during the period 2,092 1,331
Reductions during the period 560 358
Closing Balance 3,016 1,484 Movement of Net NPAs
Opening Balance 1,033 216 Additions during the period 1,103 941 Reductions/write off during the period 273 124
Closing Balance 1,863 1,033
NPA Provision movement
Opening Balance 429 285
Provn. made during the period 1,024 484
Write off/Write back of excess provn. 362 340
Closing Balance 1,091 429
38
Vertical-wise Advances vis-à-vis NPA
(Rs. in crore)
VERTICAL
Advances
O/s. as on
31.03.2018
NPA Addition
during Q4
NPA as on
31.03.2018
Total Net NPA
Addition during
FY 17-18
% NPA Addition
Q4 (annld.)
COMMERCIAL 16,095 63 538 191 1.56
CORPORATE 14,397 513 2,232 1,297 14.25
AGRICULTURE 7,861 11 105 16 0.56
RETAIL (PERSONAL BANKING)
7,620 2 141 28 0.10
TOTAL 45,973 589 3,016 1,532 5.12
39
105
538
2232
141
NPA – Vertical-wise
Agriculture Commercial Corporate Retail (Personal Banking)
Divergence Disclosure (Rs. in crore)
Particulars Amount
Divergence in NPA 651
of which -
Loans classified as NPA prior to RBI Inspection
(i.e. upto Q3 2017-18) 651
Loans classified as NPA consequent to RBI Inspection
(i.e. in Q4 2017-18) Nil
Incremental provision requirement post RBI
Inspection 98
40
Credit & other Provisions (excl. Tax)
(Rs. in crore)
Particulars FY 17-18 FY 16-17
Total Provisions 1,274 687
NPA 1,025 409
Standard Assets (18) (11)
A/c’s referred to NCLT (Std)
12 -
Restructured (Incl. SDR,S4A,5/25 etc..)
(13)
-
Investment 91 38
Others (including loss on sale of assets to ARCs)
177 251
41 Availed benefits under deferred provision for NCLT A/cs of Rs.70 Crs and amortisation of
MTM losses of Rs.24 Crs to be charged in the FY 18-19.
Credit & other Provisions (excl. Tax) - Qtly
(Rs. in crore)
Particulars Q4 FY 17-18 Q4 FY 16-17
Total Provisions 394 217
NPA 414 198
Standard Assets (27) (2)
A/c’s referred to NCLT (Std.)
7 -
Restructured (Incl. SDR,S4A,5/25 etc..)
(33) (4)
Investment 33 25
Others - -
42 Availed benefits under deferred provision for NCLT A/cs of Rs.70 Crs and amortisation of
MTM losses of Rs.24 Crs to be charged in the FY 18-19.
Capital Adequacy – Basel III
Entire Tier I comprises of CET1 capital, well
above the min. requirement of 7.375%
43
13.56%
11.26% 11.85%
13.92%
1.05%
0.91% 0.69%
0.51%
0.00%
4.00%
8.00%
12.00%
16.00%
Mar 15 Mar 16 Mar 17 Mar 18
Tier I Tier II
12.17% 12.54%
14.43% 14.61%
Exponential growth in Mobile transactions
Market share in RTGS transactions POS Terminals
Cash Deposit Machines
Leveraging Technology- Delivery Channels
0.91% 0.94% 0.99%
1.14% 1.07%
0.70%
0.90%
1.10%
1.30%
1.50%
FY14 FY15 FY16 FY17 FY18
Share of RTGS transactions (by volume)
143
338 353
444
533
0
200
400
600
Mar 14 Mar 15 Mar 16 Mar 17 Mar 18
Cash Deposit Machines (Nos.)
8434 9234 10157
22068 22873
0
10000
20000
FY14 FY15 FY16 FY 17 FY 18
POS TERMINALS
15 40
168
722 807
0
400
800
1200
FY14 FY15 FY16 FY17 Jan-18
Mobile Banking (Nos in '000)
Data not available for Mar,18 as per RBI website 44
Young workforce ( average 33 years)….. … and well qualified work force… …with lower attrition …
…leading to better productivity
Human Resources
32
33 33 33 33
30
31
32
33
34
35
FY14 FY15 FY16 FY17 FY18
PG 54%
GRADUATE
35%
Others 11% 6.2%
4.5%
2.7% 2.2%
3.9%
1.0%
3.0%
5.0%
7.0%
FY14 FY15 FY16 FY17 FY18
10.60 11.20
12.40 12.85 12.92
4.00
8.00
12.00
16.00
FY14 FY15 FY16 FY17 FY18
Business per employee (Rs. Crore)
136.34
129.38
134.27 133.80
130.12
124.00
128.00
132.00
136.00
140.00
FY14 FY15 FY16 FY17 FY18
Business per branch (Rs. Crore)
45
5.85 6.45
7.87 8.19
4.35
0.00
2.00
4.00
6.00
8.00
10.00
FY14 FY15 FY16 FY17 FY18
Profit per employee (Rs. Lakhs)
Awards & Accolades
IDRBT- Best Bank Award - for innovative use of technology among Small Banks - winner for 9 straight years
Business World-PwC award for Best Small Bank 2016 -Runner up Kamikaze Payments & Cards Summit - award for Most Disruptive Payments Technology of the year : FASTag NSDL award : 2nd position in Top Performer for Demat accounts opened by Banks
46
A Decade of Progress
Year 2008-09 2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18
Paid up Capital 53.95 54.44 94.49 107.18 107.18 107.18 121.63 121.86 121.86 145.33
Reserves 1296.21 1565.54 2020.05 2601.04 2978.01 3219.16 4124.4 4451.09 4723.16 6066.38
Owned funds 1350.16 1619.98 2114.54 2708.22 3085.19 3326.34 4246.03 4572.95 4845.02 6211.71
CRAR - Basel II 14.92% 14.49% 14.41% 14.33% 14.41% 12.77% 14.63% 12.26
Basel III 12.60% 14.62% 12.17 12.54 14.43
Deposits 15101 19272 24722 32112 38653 43758 44690 50079 53700 56,890
Advances 10563 13675 18052 24205 29706 34226 36691 39476 41435 45,973
Total Income 1711 2005 2482 3621 4695 5680 5977 6150 6405 6600
Operating Profit 418 463 600 726 849 838 943 1303 1571 1777
Net Profit 236 336 416 502 550 430 464 568 606 346
Dividend (%) 120 120 120 140 140 130 130 140 130 30
Branches (No.) 312 335 369 451 551 572 629 667 711 790
EPS (Rs.) 43.71 62.23 44.9 46.81 51.35 40.08 39.86 46.59 9.95* 4.98
Return on Assets 1.49% 1.76% 1.71% 1.56% 1.35% 0.86% 0.88% 1.03% 1.00% 0.53%
Book Value(Rs.) 250.25 297.6 193.04 252.68 287.85 308.91 348.42 375.25 79.51* 85.49
No of Employees 3941 4175 4574 5673 6730 7339 7197 7211 7400 7956 *During the Financial Year 2016-17, one Equity Share face value of Rs.10/- each was subdivided into five Equity Shares face value of Rs.2/- each
(Rs. in crore)
47
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