The Bank

that

begins

with

Financial Results

Q-3 / FY – 2016-17.

HIGHLIGHTS Q3-(2016-17).

Operating Profit up by 125.89% Y-o-Y at Rs 530.15 crore

in Q3 FY 17 as compared to Rs.234.69 crore in Q3 of FY

16.

Net Profit at Rs. 64.10 crore in Q3 FY17 (against profit of

Rs.17.00 in Q3-16),

Other Income increased by 127.90% in Q3 FY 17 over the

corresponding quarter of previous year and reached a level

of Rs. 814.09 crore.

CASA share at lifetime high at 47.75% as on 31st

December 2016 vis-à-vis 40.80% as on 31st December 2015.

NIM at 1.18% for Q3 of FY:17.

ROAA (annualized) at 0.21% for Q3 of FY:17.

ROE (annualized) at 3.60%.

CRAR (Basel III) at 10.84% with Tier 1 at 8.66% as on 31st

December, 2016 .

High-

lights

BUSINESS PROFILE Amt. in Rs. Crore

Dec’15 Mar’16

Jun’16

Sep’16

Dec’16

Y-o-Y Growth(%)

Total Business 182719 187813 187601 186363 195558 7.03%

Total Deposits 112476 116401 116820 117892 127692 13.53%

Total Advances

70243 71412 70781 68471 67866 -3.38%

CD Ratio (%) 62.45 61.35 60.59 58.08 53.15

COMPOSITION OF DEPOSITS Amt. in Rs. Crore

Dec’15 Mar’16

Jun’16

Sep’16

Dec’16

Y-o-Y Growth(%)

Savings Deposits

39246 40810 42231 43445 51273 30.65%

Current Deposits

6648 7981 8042 7824 9698 45.87%

CASA Deposits

45894 48791 50273 51269 60971 32.85%

CASA (%) 40.80 41.92 43.03 43.49 47.75 -

Term Deposits

66582 67610 66547 66623 66721 0.21%

COMPOSITION OF CREDIT PORTFOLIO

Dec’15 Mar’16 Jun’16

Sep’16

Dec’16

Y-o-Y Growth

(%)

PRISEC with RIDF 27666 29809 29889 28949 28414 2.70%

Agriculture Credit 10944 12605 12633 11691 11277 3.04%

MSE Advance 10835 10682 10567 10392 10191 -5.94%

Other Priority sector 5887 6522 6689 6866 6946 17.99%

Retail Advance 12074 12652 12832 12907 13060 8.17%

Housing 5618 5970 6229 6526 6696 19.19%

Education 477 468 462 463 453 -5.03%

Car Loan 497 519 526 558 578 16.30%

Personal Loan & Oth. 5482 5695 5615 5360 5333 -2.72%

Amt. in Rs. Crore

INVESTMENTS

Dec’15 Mar’16 Jun’16 Sep’16 Dec’16

Investments(Domestic) 46196 44934 46536 50245 60846

Held to Maturity 23230 24369 23791 24422 24987

Available for Sale 22966 20565 22745 25823 35859

Amt. in Rs. Crore

QUARTERLY- INCOME, EXPENDITURE

AND PROFIT Amt. in Rs. Crore

*Regrouped

Q- 3

(2015-16)

Q- 4

(2015-16)

Q- 1

(2016-17)

Q- 2

(2016-17)

Q- 3

(2016-17)

Growth

(%)

(Q3-o-Q3)

Interest Income 2470.70 2378.85 2429.33 2232.11 2271.97 -8.04%

Non-Interest Income 357.21 373.50 390.04 661.19 814.09 127.90%

Total Income 2827.91 2752.35 2819.37 2893.30 3086.06 9.13%

Interest Expenditure 1862.61 1973.40 1883.83 1855.71 1911.00 2.60%

Operating Expenses* 730.60 899.93 608.34 601.01 644.91 -11.73%

Total Expenditure 2593.22 2873.31 2492.17 2456.72 2555.91 -1.44%

Operating Profit 234.69 (120.96) 327.20 436.58 530.15 125.89%

Provision * 217.69 292.07 288.88 393.05 466.05 114.09%

Net Profit 17.00 (413.03) 38.32 43.53 64.10 277.06%

OTHER INCOME Amt. in Rs. Crore

Q- 3

(2015-16)

Q- 4

(2015-16)

Q- 1

(2016-17)

Q- 2

(2016-17)

Q- 3

(2016-17)

Growth

(%)

(Q3-o-Q3)

Comm, Exch &

Brokerage 39.76 42.64 36.85 38.90 39.75 -0.03%

Profit from Trading 220.23 195.80 230.96 485.66 646.73 193.66%

Profit from

Exchange Trans. 20.00 37.85 47.38 55.65 36.06 80.30%

Bad Debt Realisation 27.60 21.20 20.53 20.76 45.22 63.84%

Other Misc. Income 49.62 76.01 54.32 60.22 46.33 -6.63%

Total Other Income 357.21 373.50 390.04 661.19 814.09 127.90%

OTHER EXPENDITURE Amt. in Rs. Crore

Q- 3

(2015-16)

Q- 4

(2015-16)

Q- 1

(2016-17)

Q- 2

(2016-17)

Q- 3

(2016-17)

Growth

(%) (Q3-o-Q3)

Establishment

Expense 517.97 661.76 384.89 383.99 405.66 -21.68%

Rent , Taxes &

Lighting 36.21 39.60 34.89 39.79 36.92 1.96%

Printing &

Stationery 5.65 7.16 6.07 6.94 6.55 15.93%

Depreciation 25.23 30.99 27.18 25.00 24.37 -3.41%

Service charges 45.31 50.10 54.16 46.90 57.89 27.76%

Insurance 33.69 29.11 33.41 29.69 37.67 11.81%

Others 66.54 81.21 67.74 68.70 75.85 13.99%

Total: 730.60 899.93 608.34 601.01 644.91 -11.73%

PROVISIONS & CONTINGENCIES

Amt. in Rs. Crore

*Regrouped with operating

Q- 3 (2015-

16)

Q- 4

(2015-16)

Q- 1

(2016-17)

Q- 2

(2016-17)

Q- 3

(2016-17)

Provisions for NPA 393.00 925.15 287.02 469.41 494.52

Provisions for NPI 24.81 0.93 2.09 0.27 7.42

Depreciation on

Investments -5.12 11.53 -2.90 -14.25 35.75

Deferred Tax Asset -4.81 -515.49 13.62 -7.98 -122.49

Addl. Pension/Gratuity*

Service Tax -1.62 0.47 4.57 2.43 -1.78

Others -188.57 -130.53 -15.52 -56.83 52.63

Total 217.69 292.06 288.88 393.05 466.05

ASSET QUALITY Amt. in Rs. crore

Dec’15 Mar’16

Jun’16

Sep’16

Dec’16

Gross NPA (Rs./Crore) 6721.53 9471.01 10116.13 11134.47 10845.31

Gross NPA ( %) 9.57 13.26 14.29 16.26 15.98

Net NPA (Rs/Crore) 3965.13 6110.71 6579.28 7185.23 6729.89

Net NPA Ratio (%) 5.91 9.04 9.85 11.19 10.62

PCR (%) 60.89 53.36 52.47 51.70 54.62

COMPOSITION GROSS NPA Amt. in Rs. Crore

Dec’15 Mar’16

Jun’16

Sep’16

Dec’16

Substandard Assets

1403.92 2506.56 2804.86 3135.72 2214.67

Doubtful Assets 5075.85 6931.44 7279.82 7966.68 8490.55

Loss Assets 241.76 33.01 31.45 32.07 140.09

Total NPA 6721.53 9471.01 10116.13 11134.47 10845.31

MOVEMENT OF NPA Amt In Rs. crore

Amount in crore

Q- 3 (2015-16)

Q- 4 (2015-16)

Q- 1 (2016-17)

Q- 2 (2016-17)

Q- 3 (2016-17)

Opening Balance 6112.21 6721.53 9471.01 10116.13 11134.47

Reduction 550.52 435.72 266.83 235.59 470.43

Upgradation (-) 32.21 12.39 57.88 131.24 28.72

Cash Recovery/ (sale of assets) (-)

395.42 (222.08)

151.11 96.78 89.46 136.71

Write-off (-) 122.89 272.22 112.17 14.89 305.00

Fresh Slippages(+) (Due to AQR)

1159.84 (610.00)

3185.20 (1590.00)

911.95 1253.93 181.27

Closing Balance 6721.53 9471.01 10116.13 11134.47 10845.31

RESTRUCTURED ADVANCES Amt. in Rs. Crore

Dec’2015 Dec’2016 Growth

Y-o-Y

Agriculture 217.82 186.02 -14.60%

MSME 194.37 182.44 -6.14%

Housing 44.94 39.38 -12.37%

Large Advances 9302.08 9562.79 2.80%

Others 168.32 251.25 49.27%

Total 9927.53 10221.88 2.96%

PRODUCTIVITY RATIOS *Annualised

Dec’15 Mar’16 Jun’16 Sep’16 Dec’16

Business Per Employee (Rs/Cr.)

11.77 12.37 11.98 11.71 12.52

Business Per Branch (Rs/Cr.)

90.88 93.39 93.33 92.83 95.89

Gross Profit Per Employee (Rs/ Lac)*

6.12 -3.24 8.44 11.11 11.19

Gross Profit Per Branch (Rs/ Lac)*

46.68 -24.04 65.08 86.97 85.71

CAPITAL ADEQUACY Rs. In crore Dec’15 Mar’16 Dec’16

Tier - I 5277.22 5796.91 6462.43

Of which- Common Equity 5180.00 5659.73 6318.32

Adjusted Additional Tier I (AT 1) 97.02 137.18 144.11

Tier II 2072.96 1572.54 1624.92

Total 7350.18 7369.45 8087.35

RWA 74058.63 73079.45 74612.99

CAR (%age) 9.92 10.08 10.84

Tier I 7.12 7.93 8.66

of which CET 6.99 7.74 8.47

Additional Tier AT -1 0.13 0.19 0.19

Tier -II 2.80 2.15 2.18

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