ujjivanmanaged portfolio as on september 30, 2016 at `485.74 crore net loan book at `6,000.20 crore;...

Press Release

Ujjivan Financial Services consolidated Q2-FY17 Net Profit jumps by 8969 (YoY)

In accordance with companyrsquos plan to open Small Finance Bank pursuant to RBI approvals the company has incorporated a 100 subsidiary called ldquoUjjivan Small Finance Bank Limitedrdquo on July 4th 2016

Bengaluru November 9 2016 Ujjivan Financial Services Ltd [BSE 539874 NSE UJJIVAN] one of the leading providers of microfinance in India today announced their financial performance for the quarter ended September 30 2016

Summary of Financial Performance

All the financials in this release is consolidated for the convenience of understanding Net Profit at `7301 crore a jump of 8969 over Q2-FY16 and 231 over Q1-FY17 Total Income at `35699 crore an increase of 4667 over Q2-FY16 and 840 over

Q1-FY17 NII at `36008 crore an increase of 6385 over Q2-FY16 and 10929 over Q1-FY17 NIM at 1302 in Q2-FY17 increased from 1204 in Q2-FY16 and 1296 in Q1-FY17 Cost to Income ratio at 4695 from 5368 in Q2-FY16 and 4560 Q1-FY17 EPS for Q2 FY17 at `617 H1-FY17 at `1255 RoAA at 466 and RoAE at 2002

Commenting on the financial performance for the quarter ended September 30 2016 Mr Samit Ghosh Managing Director Ujjivan Financial Services said ldquoWe have maintained our growth momentum and the credit quality of the portfolio Further we have reduced the lending rates for our group loans and some of the individual loans by 75 bps (075 per cent) with effect from October 1 2016 and are equally happy to pass on the benefits to our valued customersrdquo He also mentioned - ldquoDuring the quarter we have applied for the final license for Small Finance Bank to RBI and are awaiting approval for the same On the technology front we have implemented most of the software for the Bank and currently are in the testing stage We have on-boarded all the senior level people and the hiring of branch levels will continue in line with our branch opening schedule We are looking forward to launch the Bank in Last quarter of FY17rdquo Ms Sudha Suresh CFO added ldquoThe subsidiary company for the bank has been incorporated and thus we have declared the consolidated financials The business of the subsidiary company will start once we launch the banking operations During the quarter we have also focused on increasing individual loan portfolio for both secured and unsecured products mainly in the MSE amp Housing space Our Marginal cost of borrowing has reduced by around 1 over the half year which has helped us in reducing the lending ratesrdquo

Ujjivan Financial Services

For Media Queries Mr Vijay Balakrishnan +91- 8040712121 vijaybalakrishnanujjivancom

For Investor Queries Mr Hiren Shah +91 8040712121 hirenshahujjivancom

Ketchum Sampark Cijo Mathew- cijomathewketchumsamparkcom +919986215777 Gayathri GK- gayathrigkketchumsamparkcom+918095964498

= | +918095964498

Operating Highlights

Gross Loan Book at `648593 crore growth of 5865 over Q2-FY16 and 1086 over Q1-FY17

Managed portfolio as on September 30 2016 at `48574 crore Net Loan Book at `600020 crore growth of 4707 over Q2-FY16 and 797 over

Q1-FY17 Disbursement at `218380 crore increase of 3248 over Q2-FY16 202 lakh new borrowers added during the quarter Total borrowers stands at 3481

lakh GNPA at 017 and NNPA at 004

About Ujjivan Financial Services Limited Ujjivan Financial Services a leading microfinance institution (MFI) started operations in Bengaluru in 2005 and serves over 3481 lakh active customers through 469 branches and 8880 employees spread across 209 districts and 24 states in India Ujjivanrsquos Gross Loan Book stand at `648593 crore with a repayment rate of 9978 as on September 30 2016 Ujjivan also runs a robust financial literacy program and community development amp disaster relief programs for customersincollaborationwithParinaamFoundationwhichisanon-profit organization Web wwwujjivancom|Twitter UjjivanMFI| Facebook Ujjivanmicrofin

Safe Harbour Some of the statements in this document that are not historical facts are forward-looking statements These forward-

looking statements include our financial and growth projections as well as statements concerning our plans strategies

intentions and beliefs concerning our business and the markets in which we operate These statements are based on information

currently available to us and we assume no obligation to update these statements as circumstances change There are risks

and uncertainties that could cause actual events to differ materially from these forward-looking statements These risks include

but are not limited to the level of market demand for our services the highly-competitive market for the types of services that

we offer market conditions that could cause our customers to reduce their spending for our services our ability to create

acquire and build new businesses and to grow our existing businesses our ability to attract and retain qualified personnel

currency fluctuations and market conditions in India and elsewhere around the world and other risks not specifically

mentioned herein but those that are common to industry

For further information please contact

November 2016

PRIVILEGED AND CONFIDENTIAL

1

Disclaimer

This presentation is confidential and may not be copied published distributed or transmitted The information in this presentation is being provided by Ujjivan Financial Services Limited (also referred to as lsquoCompanyrsquo) By attending a meeting where this presentation is made or by reading this presentation material you agree to be bound by following limitations

The information in this presentation has been prepared for use in presentations by Company for information purposes only and does not constitute or should be regarded as or form part of any offer invitation inducement or advertisement to sell or issue or any solicitation or any offer to purchase or subscribe for any securities of the Company in any jurisdiction including the United States and India nor shall it or the fact of its distribution form the basis of or be relied on in connection with any investment decision or any contract or commitment to purchase or subscribe for any securities of the Company in any jurisdiction including the United States and India This presentation does not constitute a recommendation by the Company or any other party to sell or buy any securities of the Company

This presentation and its contents are not and should not be construed as a prospectus or an offer document including as defined under the Companies Act 2013 to the extent notified and in force or an offer document under the Securities and Exchange Board of India (Issue of Capital and Disclosure Requirements) Regulations 2009 as amended

The Company may alter modify or otherwise change in any manner the contents of this presentation without obligation to modify any person of such change or changes

No representation warranty implied as to and reliance or warranty express or implied is made to no should be placed on the fairness accuracy completeness or correctness of the information or opinions contained in this presentation Neither Company nor any of its affiliates advisors or representatives shall have any responsibility or liability whatsoever (for negligence or otherwise) for any loss howsoever arising from any use of this presentation or its contents or otherwise arising in connection with this presentation The information set out herein may be subject to updating completion revision verification and amendment and such information may change materially This presentation is based on the economic regulatory market and other conditions as in effect on the date hereof It should be understood that subsequent developments may affect the information contained in this presentation which neither Company nor its affiliates advisors or representatives are under an obligation to update revise or affirm

This presentation contains certain supplemental measures of performance and liquidity that are not required by or presented in accordance with Indian GAAP and should not be considered as an alternative to profit operating revenue or any other performance measures derived in accordance with Indian GAAP or an alternative to cash flow from operations as a measure of liquidity of the Company

You must make your own assessment of the relevance accuracy and adequacy of the information contained in this presentation and must make independent analysis as you may consider necessary or appropriate for such purpose Any opinions expressed in this presentation are subject to change without notice and past performance is not indicative of future results By attending this presentation you acknowledge that you will be solely responsible for your own assessment of the market position of the Company and that you will conduct your own analysis and be solely responsible for forming your own view of the potential future performance of the Companyrsquos business

This presentation contains forward‐looking statements based on the currently held beliefs and assumptions of the management of the Company which are expressed in good faith and in their opinion reasonable Forward‐looking statements involve known and unknown risks uncertainties and other factors which may cause the actual results financial condition performance or achievements of the Company or industry results to differ materially from the results financial condition performance or achievements expressed or implied by such forward‐looking statements The risks and uncertainties relating to these statements include but are not limited to risks and uncertainties regarding expansion plans and the benefits there from fluctuations in our earnings our ability to manage growth and implement strategies competition in our business including those factors which may affect our cost advantage wage increases in India our ability to attract and retain highly skilled professionals our ability to win new contracts changes in technology availability of financing our ability to successfully complete and integrate our expansion plans liabilities political instability and general economic conditions affecting our industry Unless otherwise indicated the information contained herein is preliminary and indicative and is based on management information current plans and estimates Industry and market‐related information is obtained or derived from industry publications and other sources and has not been verified by us Given these risks uncertainties and other factors recipients of this document are cautioned not to place undue reliance on these forward‐looking statements The Company disclaims any obligation to update these forward‐looking statements to reflect future events or developments

This presentation is not an offer for sale of securities in the UNITED STATES or elsewhere

2

Agenda

Business amp Financial Overview

Performance Highlights

SFB Update

Company Overview

Borrowing Profile amp Credit Ratings

Performance Highlights ndash Q2 FY17

4


`6486

8880 Employee Strength

016 GNPA 002 NNPA

86 Customer Retention Ratio

3481 Active Customers (in lakhs)

Gross Loan Book

5

Operational amp Business highlight


Managed portfolio as on September 30 2016 at `48574 crore

Net Loan Book at `600020 crore growth of 4707 over Q2-FY16 and 797 over Q1-FY17

Disbursement at `218380 crore increase of 3248 over Q2-FY16

202 lakh new borrowers added during the quarter Total borrowers stands at 3481 lakh

GNPA at 017 and NNPA at 004

In accordance to companyrsquos plan to open Small Finance Bank pursuant to RBI approvals the company has formed 100 subsidiary called ldquoUjjivan Small Finance Bank Limitedrdquo on July 4th 2016

Ujjivan Financial has transferred `110 crore as capital for the Subsidiary

Transactions in subsidiary company during the quarter was interest income from the investments and expenses related to incorporation of the company and taxes resulting in a loss of `31 lakh

6

Financial amp Operational Highlights

All the financials in this presentation is consolidated for the convenience of understanding

Net Profit at `7301 crore a jump of 8969 over Q2-FY16 and 231 over Q1-FY17

Total Income at `35699 crore an increase of 4667 over Q2-FY16 and 840 over Q1-FY17

NII at `36008 crore an increase of 6385 over Q2-FY16 and 10929 over Q1-FY17

NIM at 1302 in Q2-FY17 increased from 1204 in Q2-FY16 and 1296 in Q1-FY17

Cost to Income ratio at 4695 from 5368 in Q2-FY16 and 4560 Q1-FY17

EPS for Q2 FY17 at `617 H1 FY17 at `1255

RoAA at 466 and RoAE at 2002

SFB Update

8

SFB Update

Applied for the final bank license awaiting the approval from RBI

IT implementation of most of the software SITUAT testing of application in progress New

Hardware installed in the Data Centre Disaster Recovery (DR) Site amp Near DR

Senior Staff Hiring Completed branch level hiring in progress

Training for existing staff at an advance stage

Branch set-up implementation started will progress as per the branch opening schedule

Bank Branch- Biometric ATM Roll out in sync with branch roll out

Phone Banking- In house call centres for support services sales and cross sell

Internet amp Mobile Banking -Electronic payments and transition to cashless economy IMPS

AEPS APB and followed by UPI in later stage

Overview of Ujjivan

10

Deep pan-India presence

Largest MFI in India in terms of geographical spreadwith a pan-India presence through 469 branches across24 states and union territories and 209 districts in India

185 branches in 91 under-banked districts

37 branches in the central east and north east regionsof India where a majority of the under-banked districtsare located

Third largest NBFC-MFI in India in terms of loansdisbursed as of September 30 2016 Our Gross LoanBook aggregates over ` 6486 crore1

Geographically diversified portfolio - no single statecontributes gt 16 of Gross Loan Book1

Well diversified presence as well as AUM base

States where the share of Ujjivan Gross Loan Book is greater than 1115which is the overall market share of Ujjivan in NBFC-MFI business in India

1 As of September 30 2016

128118

131

92

East North South West

No of Branches1

Gross Loan Book

(` in crore)

1934 1321 2130 1100

11

Customized Product Offerings

CREDITOFFERINGS

NON-CREDIT OFFERINGS

In the event of deathof our customer ortheir spouseinsurance amounthelps the beneficiarycover the existingloan and receive thebenefits of a lifecover

MSEMicro

Finance

Housing

Individual Business LoanIndividual Bazaar LoanPragati Business loanIndividual Loyalty LoanSecured business loan

Business loanFamily loanEducation loanAgriculture and Allied loanEmergency LoanLoyalty loan

Home improvement loanHome loan Self constructionHome loan Under construction purchase Ready purchaseLoan Against Property

Agri amp Animal

HusbandryIndividual Livestock LoanPragati Livestock loanIndividual Agriculture loanPragati Agriculture Loan

Others other loans include Individual Higher Education loans

12

Shareholding Pattern

4985

687

973

1384

044

1759

150 017

Shareholding Pattern as on 4th November 2016

Foreign Investors Mutual Funds

Insurance Companies Bodies Corporate

BanksFisNBFCsTrusts Resident InduvidualsHUFs

Employees amp Directors Others

5150

646

975

1317

0361658

147 071

Shareholding Pattern as on 30th September 2016





Foreign Shareholdings down to 4985 as on 4th November 2016

Business Overview

14

Loan Book Overview

872 1294 1383

Sep-15 Jun-16 Sep-16

Gross Loan Book per Branch amp Gross Loan Book per Employee (` in Crore)

073071053Gross Loan

Book Employee

Gross Loan Book Branch

Type of Loan (on disbursement)

408820585064 648593


843 29339 48574Securitized Loan Book

Gross Loan Book amp Securitized Loan Book (` in Crore)

Gross Loan Book 7250 6603 6877 6963 6750

2550 3397 3123 3037 3250

0

20

40

60

80

100

Q2-FY16 Q1-FY17 Q2-FY17 H1-FY16 H1-FY17

Repeat Fresh

Number of Borrowers (in Lakh)

2597 3279 3480


15

Composition of Gross Loan Book

MSE488

Housing502

Agri amp Animal

Husbandry359

Others013

Agriculture Loan951

Business Loan

5594

Education Loan175

Family Loans 1919

Group Loans8639

(` in Crore)

360257 5066 5603

2195529541 31651

1673128662 32538

9206 19436 2331

671 778 836


Others

Agri and Animal Husbandry Loan

Housing

MSE

Microfinance

Product Bifurcation Share in Gross Loan Book

Unsecured Loan (Microfinance amp Individual Loan)

9901

MSE Secured 022

Housing Secured 077

16

Portfolio Spread amp Branch Vintage

008

010

021

028

041

069

084

119

130

206

240

262

269

320

331

342

458

493

499

507

1187

1316

1460

1597

000 200 400 600 800 1000 1200 1400 1600 1800

Himachal Pradesh

GOA

Chandigarh(UT)

Meghalaya

Chhattisgarh

Pondicherry

Uttarakhand

Tripura

Madhya Pradesh

New Delhi

Kerala

Orissa

Punjab

Jharkhand

Rajasthan

Assam

Bihar

Gujarat

Haryana

Uttar Pradesh

Maharashtra

Tamil nadu

West Bengal

Karnataka

Portfolio Mix- September 2016

Vintage Number of Branches

Less than 1 year 7

1-3 years 176

3-5 years 28

Above 5 years 258

TOTAL 469

Branch Vintage- Septemberrsquo16

17

Disbursement Spread amp Average Ticket Size

Product wise Disbursement (` in Crore)

Product in `

Microfinance 22550 MSE- Unsecured 65765

MSE- Secured 394234

Housing- Unsecured 67455

Housing- Secured 337051

Agri and Livestock Loan 57428

Others 50811

Average Ticket Size ndash H1 FY17

149093

166298 194278 256877

360577

7409

7684 8094

13302

15778

4909

7721 8601

9425

16321

3066 6001 7179

5590 13180

357 164 228 519 393

82

84

86

88

90

92

94

96

98

100


Microfinance MSE Housing Agri amp Animal Husbandary Others

164835 187871

218380

285714

406249


Total Disbursements (` in crore)

18

Efficiency Parameters

GNPA NNPA amp PARgt30

002

004 004

013

018017

022

026 025

000

005

010

015

020

025

030

Q2-FY16 Q1-FY17 Q2-FY17

NNPA GNPA PAR gt30

Turn Around Time (TAT)

Cumulative Repayment Rate

Number of Customer amp Customer Retention Ratio

2774 3444 3669

8902

85608600

83

84

85

86

87

88

89

90

0

10

20

30

40


Number of Customers (in Lakh) Customer Retention Ratio ()

9983

9978 9978


6 62 52775 728 618

316

2401263

Q2-FY16 Q1-FY17 Q2-FY17

GL (Microfinance) IL- Unsecured IL- Secured

19

Efficiency Parameters (Contd)

81 Customers with Aadhar Card as on 30th

September 2016

5330

65895960

Q2-FY16 Q1-FY17 Q2-FY17

Cashless Disbursement ()Rejection Rate amp Key Reasons

Bureau Rejection Rate () - Microfinance

1290

1180

1370

Q2-FY16 Q1-FY17 Q2-FY17

Key Rejection Reasons Septrsquo16 Septrsquo15

2 MFI Loans 63 78

Overdue 7 6

Loan Exposure gt60000 10 3

2 MFI Loans + Overdue amp Loan Exposuregt60000 1 0

2MFI amp Overdue 2 3

2 MFI Loans amp Loan Exposure gt60000 16 10

Overdue amp Loan Exposure gt60000 0 0

20

Head Count Details

Headcount amp Staff Attrition Ratio ()

7786

8258

88802326

20061876

000

500

1000

1500

2000

2500

7200

7400

7600

7800

8000

8200

8400

8600

8800

9000


Head Count Staff Attrition Ratio

Head Count Bifurcation ndash Septemberrsquo16

023093

2816

7068

National Leadership Team

Senior Management

Middle management and Officers

Field Staff amp Executive Employees

Financial Overview

22

Financial Overview

NII amp NIM

Total Income amp Net Profit (` in Crore)

2434032932 35699

46227

68631


9582

8969

3849 7301 14438Net Profit

Total Income

531470 588933 635224 414630

619023

Q2- FY16 Q1- FY17 Q2- FY17 H1- FY16 H1- FY17

77332 77332 144227Average

Net worth

AverageTotal

Assets

Average Total Assets and Net worth (` in crore)

324349425943 443479

324349

451336


419 268 313Avg Debt

Avg Net worth

AverageDebt

Average Debt (` in crore)

7137 7373 140855 165306

419302

12253 17205 18804 21976

36008

1343

1296 1302

1204

1302


NII NIM ()

23

Financial Overview (Contd)

290 485 460 356 466

1991 20271767 1907 2002


Return on Average Assets (RoAA)

Return on Average Networth (RoAE)

RoAA amp RoAE

Operating Efficiency

5318

4560 48185368

4695

839 722 770 786 748

0

10

20

30

40

50

60

Q2-FY16 Q1-FY17 Q2-FY17 H1- FY16 H1- FY17

Cost to Income ratio () Operating ExpenseAverage AUM ()

740 625 695

1091

1320

0

2

4

6

8

10

12

14

Q2-FY16 Q1-FY17 Q2- FY17 H1- FY16 H1- FY17

Credit Cost (` in crore)

Earning Per Share

447

639 617

856

1255

0

2

4

6

8

10

12

14


24


2057

28282736


Capital Adequacy Ratio () Book Value Per Share (in `)

9406

1369514236

0

20

40

60

80

100

120

140

160


25

Financials ndash Profit amp Loss Statement

` in Crore

Particulars Q2-FY17 Q2-FY16YoY Growth

()Q1-FY17

QoQ Growth ()

H1-FY17 H1-FY16YoY Growth

()

Revenue from operations

35098 24028 4607 32168 911 67266 44812 5011

Other income 601 312 9274 763 -2119 1365 1415 -353

Total Income 35699 2434 4667 32932 840 68631 46227 4846

Finance costs 12743 10002 2740 1204 584 24783 19624 2629

Employee expenses 6448 4886 3197 5987 770 12436 9336 3320

Other expenses 4297 2505 7156 3247 3235 7544 4505 6746

Depreciation 252 21 2022 222 1373 474 384 2349

Provisions and write offs

695 74 -608 625 1121 1320 1091 2098

Total Expenses 24436 18343 3322 22121 1047 46557 3494 3325

Profit before tax 11263 5997 8781 10811 418 22074 11288 9555

Total tax expense 3962 2148 8443 3674 783 7636 3915 9504

Profit after tax 7301 3849 8969 7137 231 14438 7373 9582

26

Financials ndash Balance Sheet

Particulars As on Sept16 As on June16 QoQ Growth () As on Sept15 YoY Growth ()

Share capital 11849 11824 021 8613 3756

Reserves and surplus 156830 150110 448 72405 11660

Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380

Other Liabilities 16354 14354 1393 7530 11718

Total 665315 605134 995 431633 5414Cash and cash equivalent 37749 29272 2896 85649 34074

Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000

Fixed amp tangible assets 8560 2516 24021 2287 27424

Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore

Borrowing Profile amp Credit Rating

28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16

Fixed Vs Floating RatesFloating Fixed

Borrowing Profile (Outstanding ` in crore )

Sr No Term Loans As on Sept-16 Mix As on Sept-15 Mix As on Jun-16 Mix

1 Term Loan 356230 69 276895 78 326837 73

2 Refinance Facility 34267 7 18333 5 23500 5

3 Securitization (Off Balance Sheet) 48574 9 844 0 29340 7

4 Non Convertible Debentures 50875 10 54625 15 52750 12

5 Sub Debt 5000 1 5000 1 5000 1

6 Commercial Paper 22500 4 - 0 10000 2

Total Outstanding Amount 517446 100 355697 100 447427 100

29

Cost of Debt amp Credit Ratings

Sr No Particulars Rating Amount Rated

1 Bank Loan Rating CARE A+ `4500 Crore

2 NCD RatingsCARE A+ICRA

A+`56500 Crore

3Short Term Commercial Paper Rating

CRISIL A1+ `25000 Crore


ICRA A1+ `10000 Crore

1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17

Weighted Average Cost of Debt Credit Ratings

Thank you

Ujjivan Financial Services

For Media Queries Mr Vijay Balakrishnan +91- 8040712121 vijaybalakrishnanujjivancom

For Investor Queries Mr Hiren Shah +91 8040712121 hirenshahujjivancom

Ketchum Sampark Cijo Mathew- cijomathewketchumsamparkcom +919986215777 Gayathri GK- gayathrigkketchumsamparkcom+918095964498

= | +918095964498

Operating Highlights


Managed portfolio as on September 30 2016 at `48574 crore Net Loan Book at `600020 crore growth of 4707 over Q2-FY16 and 797 over

Q1-FY17 Disbursement at `218380 crore increase of 3248 over Q2-FY16 202 lakh new borrowers added during the quarter Total borrowers stands at 3481

lakh GNPA at 017 and NNPA at 004

About Ujjivan Financial Services Limited Ujjivan Financial Services a leading microfinance institution (MFI) started operations in Bengaluru in 2005 and serves over 3481 lakh active customers through 469 branches and 8880 employees spread across 209 districts and 24 states in India Ujjivanrsquos Gross Loan Book stand at `648593 crore with a repayment rate of 9978 as on September 30 2016 Ujjivan also runs a robust financial literacy program and community development amp disaster relief programs for customersincollaborationwithParinaamFoundationwhichisanon-profit organization Web wwwujjivancom|Twitter UjjivanMFI| Facebook Ujjivanmicrofin

Safe Harbour Some of the statements in this document that are not historical facts are forward-looking statements These forward-

looking statements include our financial and growth projections as well as statements concerning our plans strategies

intentions and beliefs concerning our business and the markets in which we operate These statements are based on information

currently available to us and we assume no obligation to update these statements as circumstances change There are risks

and uncertainties that could cause actual events to differ materially from these forward-looking statements These risks include

but are not limited to the level of market demand for our services the highly-competitive market for the types of services that

we offer market conditions that could cause our customers to reduce their spending for our services our ability to create

acquire and build new businesses and to grow our existing businesses our ability to attract and retain qualified personnel

currency fluctuations and market conditions in India and elsewhere around the world and other risks not specifically

mentioned herein but those that are common to industry

For further information please contact

November 2016


1

Disclaimer










2

Agenda



SFB Update

Company Overview



4


`6486


016 GNPA 002 NNPA



Gross Loan Book

5











6










SFB Update

8

SFB Update











Overview of Ujjivan

10










128118

131

92


No of Branches1

Gross Loan Book

(` in crore)

1934 1321 2130 1100

11


CREDITOFFERINGS



MSEMicro

Finance

Housing




Agri amp Animal



12


4985

687

973

1384

044

1759

150 017






5150

646

975

1317

0361658

147 071







Business Overview

14

Loan Book Overview

872 1294 1383



073071053Gross Loan

Book Employee



408820585064 648593




Gross Loan Book 7250 6603 6877 6963 6750

2550 3397 3123 3037 3250

0

20

40

60

80

100


Repeat Fresh


2597 3279 3480


15


MSE488

Housing502

Agri amp Animal

Husbandry359

Others013

Agriculture Loan951

Business Loan

5594

Education Loan175

Family Loans 1919

Group Loans8639

(` in Crore)

360257 5066 5603

2195529541 31651

1673128662 32538

9206 19436 2331

671 778 836


Others


Housing

MSE

Microfinance



9901

MSE Secured 022

Housing Secured 077

16


008

010

021

028

041

069

084

119

130

206

240

262

269

320

331

342

458

493

499

507

1187

1316

1460

1597

000 200 400 600 800 1000 1200 1400 1600 1800

Himachal Pradesh

GOA

Chandigarh(UT)

Meghalaya

Chhattisgarh

Pondicherry

Uttarakhand

Tripura

Madhya Pradesh

New Delhi

Kerala

Orissa

Punjab

Jharkhand

Rajasthan

Assam

Bihar

Gujarat

Haryana

Uttar Pradesh

Maharashtra

Tamil nadu

West Bengal

Karnataka



Less than 1 year 7

1-3 years 176

3-5 years 28

Above 5 years 258

TOTAL 469


17



Product in `


MSE- Secured 394234




Others 50811


149093

166298 194278 256877

360577

7409

7684 8094

13302

15778

4909

7721 8601

9425

16321

3066 6001 7179

5590 13180

357 164 228 519 393

82

84

86

88

90

92

94

96

98

100



164835 187871

218380

285714

406249



18



002

004 004

013

018017

022

026 025

000

005

010

015

020

025

030

Q2-FY16 Q1-FY17 Q2-FY17

NNPA GNPA PAR gt30




2774 3444 3669

8902

85608600

83

84

85

86

87

88

89

90

0

10

20

30

40



9983

9978 9978


6 62 52775 728 618

316

2401263

Q2-FY16 Q1-FY17 Q2-FY17


19



September 2016

5330

65895960

Q2-FY16 Q1-FY17 Q2-FY17



1290

1180

1370

Q2-FY16 Q1-FY17 Q2-FY17


2 MFI Loans 63 78

Overdue 7 6






20

Head Count Details


7786

8258

88802326

20061876

000

500

1000

1500

2000

2500

7200

7400

7600

7800

8000

8200

8400

8600

8800

9000




023093

2816

7068


Senior Management



Financial Overview

22

Financial Overview

NII amp NIM


2434032932 35699

46227

68631


9582

8969

3849 7301 14438Net Profit

Total Income

531470 588933 635224 414630

619023


77332 77332 144227Average

Net worth

AverageTotal

Assets


324349425943 443479

324349

451336


419 268 313Avg Debt

Avg Net worth

AverageDebt


7137 7373 140855 165306

419302

12253 17205 18804 21976

36008

1343

1296 1302

1204

1302


NII NIM ()

23


290 485 460 356 466

1991 20271767 1907 2002




RoAA amp RoAE


5318

4560 48185368

4695

839 722 770 786 748

0

10

20

30

40

50

60



740 625 695

1091

1320

0

2

4

6

8

10

12

14



Earning Per Share

447

639 617

856

1255

0

2

4

6

8

10

12

14


24


2057

28282736



9406

1369514236

0

20

40

60

80

100

120

140

160


25


` in Crore


()Q1-FY17

QoQ Growth ()


()


35098 24028 4607 32168 911 67266 44812 5011

Other income 601 312 9274 763 -2119 1365 1415 -353

Total Income 35699 2434 4667 32932 840 68631 46227 4846

Finance costs 12743 10002 2740 1204 584 24783 19624 2629


Other expenses 4297 2505 7156 3247 3235 7544 4505 6746

Depreciation 252 21 2022 222 1373 474 384 2349


695 74 -608 625 1121 1320 1091 2098

Total Expenses 24436 18343 3322 22121 1047 46557 3494 3325



Profit after tax 7301 3849 8969 7137 231 14438 7373 9582

26



Share capital 11849 11824 021 8613 3756


Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380



Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000


Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you

November 2016


1

Disclaimer










2

Agenda



SFB Update

Company Overview



4


`6486


016 GNPA 002 NNPA



Gross Loan Book

5











6










SFB Update

8

SFB Update











Overview of Ujjivan

10










128118

131

92


No of Branches1

Gross Loan Book

(` in crore)

1934 1321 2130 1100

11


CREDITOFFERINGS



MSEMicro

Finance

Housing




Agri amp Animal



12


4985

687

973

1384

044

1759

150 017






5150

646

975

1317

0361658

147 071







Business Overview

14

Loan Book Overview

872 1294 1383



073071053Gross Loan

Book Employee



408820585064 648593




Gross Loan Book 7250 6603 6877 6963 6750

2550 3397 3123 3037 3250

0

20

40

60

80

100


Repeat Fresh


2597 3279 3480


15


MSE488

Housing502

Agri amp Animal

Husbandry359

Others013

Agriculture Loan951

Business Loan

5594

Education Loan175

Family Loans 1919

Group Loans8639

(` in Crore)

360257 5066 5603

2195529541 31651

1673128662 32538

9206 19436 2331

671 778 836


Others


Housing

MSE

Microfinance



9901

MSE Secured 022

Housing Secured 077

16


008

010

021

028

041

069

084

119

130

206

240

262

269

320

331

342

458

493

499

507

1187

1316

1460

1597

000 200 400 600 800 1000 1200 1400 1600 1800

Himachal Pradesh

GOA

Chandigarh(UT)

Meghalaya

Chhattisgarh

Pondicherry

Uttarakhand

Tripura

Madhya Pradesh

New Delhi

Kerala

Orissa

Punjab

Jharkhand

Rajasthan

Assam

Bihar

Gujarat

Haryana

Uttar Pradesh

Maharashtra

Tamil nadu

West Bengal

Karnataka



Less than 1 year 7

1-3 years 176

3-5 years 28

Above 5 years 258

TOTAL 469


17



Product in `


MSE- Secured 394234




Others 50811


149093

166298 194278 256877

360577

7409

7684 8094

13302

15778

4909

7721 8601

9425

16321

3066 6001 7179

5590 13180

357 164 228 519 393

82

84

86

88

90

92

94

96

98

100



164835 187871

218380

285714

406249



18



002

004 004

013

018017

022

026 025

000

005

010

015

020

025

030

Q2-FY16 Q1-FY17 Q2-FY17

NNPA GNPA PAR gt30




2774 3444 3669

8902

85608600

83

84

85

86

87

88

89

90

0

10

20

30

40



9983

9978 9978


6 62 52775 728 618

316

2401263

Q2-FY16 Q1-FY17 Q2-FY17


19



September 2016

5330

65895960

Q2-FY16 Q1-FY17 Q2-FY17



1290

1180

1370

Q2-FY16 Q1-FY17 Q2-FY17


2 MFI Loans 63 78

Overdue 7 6






20

Head Count Details


7786

8258

88802326

20061876

000

500

1000

1500

2000

2500

7200

7400

7600

7800

8000

8200

8400

8600

8800

9000




023093

2816

7068


Senior Management



Financial Overview

22

Financial Overview

NII amp NIM


2434032932 35699

46227

68631


9582

8969

3849 7301 14438Net Profit

Total Income

531470 588933 635224 414630

619023


77332 77332 144227Average

Net worth

AverageTotal

Assets


324349425943 443479

324349

451336


419 268 313Avg Debt

Avg Net worth

AverageDebt


7137 7373 140855 165306

419302

12253 17205 18804 21976

36008

1343

1296 1302

1204

1302


NII NIM ()

23


290 485 460 356 466

1991 20271767 1907 2002




RoAA amp RoAE


5318

4560 48185368

4695

839 722 770 786 748

0

10

20

30

40

50

60



740 625 695

1091

1320

0

2

4

6

8

10

12

14



Earning Per Share

447

639 617

856

1255

0

2

4

6

8

10

12

14


24


2057

28282736



9406

1369514236

0

20

40

60

80

100

120

140

160


25


` in Crore


()Q1-FY17

QoQ Growth ()


()


35098 24028 4607 32168 911 67266 44812 5011

Other income 601 312 9274 763 -2119 1365 1415 -353

Total Income 35699 2434 4667 32932 840 68631 46227 4846

Finance costs 12743 10002 2740 1204 584 24783 19624 2629


Other expenses 4297 2505 7156 3247 3235 7544 4505 6746

Depreciation 252 21 2022 222 1373 474 384 2349


695 74 -608 625 1121 1320 1091 2098

Total Expenses 24436 18343 3322 22121 1047 46557 3494 3325



Profit after tax 7301 3849 8969 7137 231 14438 7373 9582

26



Share capital 11849 11824 021 8613 3756


Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380



Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000


Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you

1

Disclaimer










2

Agenda



SFB Update

Company Overview



4


`6486


016 GNPA 002 NNPA



Gross Loan Book

5











6










SFB Update

8

SFB Update











Overview of Ujjivan

10










128118

131

92


No of Branches1

Gross Loan Book

(` in crore)

1934 1321 2130 1100

11


CREDITOFFERINGS



MSEMicro

Finance

Housing




Agri amp Animal



12


4985

687

973

1384

044

1759

150 017






5150

646

975

1317

0361658

147 071







Business Overview

14

Loan Book Overview

872 1294 1383



073071053Gross Loan

Book Employee



408820585064 648593




Gross Loan Book 7250 6603 6877 6963 6750

2550 3397 3123 3037 3250

0

20

40

60

80

100


Repeat Fresh


2597 3279 3480


15


MSE488

Housing502

Agri amp Animal

Husbandry359

Others013

Agriculture Loan951

Business Loan

5594

Education Loan175

Family Loans 1919

Group Loans8639

(` in Crore)

360257 5066 5603

2195529541 31651

1673128662 32538

9206 19436 2331

671 778 836


Others


Housing

MSE

Microfinance



9901

MSE Secured 022

Housing Secured 077

16


008

010

021

028

041

069

084

119

130

206

240

262

269

320

331

342

458

493

499

507

1187

1316

1460

1597

000 200 400 600 800 1000 1200 1400 1600 1800

Himachal Pradesh

GOA

Chandigarh(UT)

Meghalaya

Chhattisgarh

Pondicherry

Uttarakhand

Tripura

Madhya Pradesh

New Delhi

Kerala

Orissa

Punjab

Jharkhand

Rajasthan

Assam

Bihar

Gujarat

Haryana

Uttar Pradesh

Maharashtra

Tamil nadu

West Bengal

Karnataka



Less than 1 year 7

1-3 years 176

3-5 years 28

Above 5 years 258

TOTAL 469


17



Product in `


MSE- Secured 394234




Others 50811


149093

166298 194278 256877

360577

7409

7684 8094

13302

15778

4909

7721 8601

9425

16321

3066 6001 7179

5590 13180

357 164 228 519 393

82

84

86

88

90

92

94

96

98

100



164835 187871

218380

285714

406249



18



002

004 004

013

018017

022

026 025

000

005

010

015

020

025

030

Q2-FY16 Q1-FY17 Q2-FY17

NNPA GNPA PAR gt30




2774 3444 3669

8902

85608600

83

84

85

86

87

88

89

90

0

10

20

30

40



9983

9978 9978


6 62 52775 728 618

316

2401263

Q2-FY16 Q1-FY17 Q2-FY17


19



September 2016

5330

65895960

Q2-FY16 Q1-FY17 Q2-FY17



1290

1180

1370

Q2-FY16 Q1-FY17 Q2-FY17


2 MFI Loans 63 78

Overdue 7 6






20

Head Count Details


7786

8258

88802326

20061876

000

500

1000

1500

2000

2500

7200

7400

7600

7800

8000

8200

8400

8600

8800

9000




023093

2816

7068


Senior Management



Financial Overview

22

Financial Overview

NII amp NIM


2434032932 35699

46227

68631


9582

8969

3849 7301 14438Net Profit

Total Income

531470 588933 635224 414630

619023


77332 77332 144227Average

Net worth

AverageTotal

Assets


324349425943 443479

324349

451336


419 268 313Avg Debt

Avg Net worth

AverageDebt


7137 7373 140855 165306

419302

12253 17205 18804 21976

36008

1343

1296 1302

1204

1302


NII NIM ()

23


290 485 460 356 466

1991 20271767 1907 2002




RoAA amp RoAE


5318

4560 48185368

4695

839 722 770 786 748

0

10

20

30

40

50

60



740 625 695

1091

1320

0

2

4

6

8

10

12

14



Earning Per Share

447

639 617

856

1255

0

2

4

6

8

10

12

14


24


2057

28282736



9406

1369514236

0

20

40

60

80

100

120

140

160


25


` in Crore


()Q1-FY17

QoQ Growth ()


()


35098 24028 4607 32168 911 67266 44812 5011

Other income 601 312 9274 763 -2119 1365 1415 -353

Total Income 35699 2434 4667 32932 840 68631 46227 4846

Finance costs 12743 10002 2740 1204 584 24783 19624 2629


Other expenses 4297 2505 7156 3247 3235 7544 4505 6746

Depreciation 252 21 2022 222 1373 474 384 2349


695 74 -608 625 1121 1320 1091 2098

Total Expenses 24436 18343 3322 22121 1047 46557 3494 3325



Profit after tax 7301 3849 8969 7137 231 14438 7373 9582

26



Share capital 11849 11824 021 8613 3756


Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380



Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000


Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you

2

Agenda



SFB Update

Company Overview



4


`6486


016 GNPA 002 NNPA



Gross Loan Book

5











6










SFB Update

8

SFB Update











Overview of Ujjivan

10










128118

131

92


No of Branches1

Gross Loan Book

(` in crore)

1934 1321 2130 1100

11


CREDITOFFERINGS



MSEMicro

Finance

Housing




Agri amp Animal



12


4985

687

973

1384

044

1759

150 017






5150

646

975

1317

0361658

147 071







Business Overview

14

Loan Book Overview

872 1294 1383



073071053Gross Loan

Book Employee



408820585064 648593




Gross Loan Book 7250 6603 6877 6963 6750

2550 3397 3123 3037 3250

0

20

40

60

80

100


Repeat Fresh


2597 3279 3480


15


MSE488

Housing502

Agri amp Animal

Husbandry359

Others013

Agriculture Loan951

Business Loan

5594

Education Loan175

Family Loans 1919

Group Loans8639

(` in Crore)

360257 5066 5603

2195529541 31651

1673128662 32538

9206 19436 2331

671 778 836


Others


Housing

MSE

Microfinance



9901

MSE Secured 022

Housing Secured 077

16


008

010

021

028

041

069

084

119

130

206

240

262

269

320

331

342

458

493

499

507

1187

1316

1460

1597

000 200 400 600 800 1000 1200 1400 1600 1800

Himachal Pradesh

GOA

Chandigarh(UT)

Meghalaya

Chhattisgarh

Pondicherry

Uttarakhand

Tripura

Madhya Pradesh

New Delhi

Kerala

Orissa

Punjab

Jharkhand

Rajasthan

Assam

Bihar

Gujarat

Haryana

Uttar Pradesh

Maharashtra

Tamil nadu

West Bengal

Karnataka



Less than 1 year 7

1-3 years 176

3-5 years 28

Above 5 years 258

TOTAL 469


17



Product in `


MSE- Secured 394234




Others 50811


149093

166298 194278 256877

360577

7409

7684 8094

13302

15778

4909

7721 8601

9425

16321

3066 6001 7179

5590 13180

357 164 228 519 393

82

84

86

88

90

92

94

96

98

100



164835 187871

218380

285714

406249



18



002

004 004

013

018017

022

026 025

000

005

010

015

020

025

030

Q2-FY16 Q1-FY17 Q2-FY17

NNPA GNPA PAR gt30




2774 3444 3669

8902

85608600

83

84

85

86

87

88

89

90

0

10

20

30

40



9983

9978 9978


6 62 52775 728 618

316

2401263

Q2-FY16 Q1-FY17 Q2-FY17


19



September 2016

5330

65895960

Q2-FY16 Q1-FY17 Q2-FY17



1290

1180

1370

Q2-FY16 Q1-FY17 Q2-FY17


2 MFI Loans 63 78

Overdue 7 6






20

Head Count Details


7786

8258

88802326

20061876

000

500

1000

1500

2000

2500

7200

7400

7600

7800

8000

8200

8400

8600

8800

9000




023093

2816

7068


Senior Management



Financial Overview

22

Financial Overview

NII amp NIM


2434032932 35699

46227

68631


9582

8969

3849 7301 14438Net Profit

Total Income

531470 588933 635224 414630

619023


77332 77332 144227Average

Net worth

AverageTotal

Assets


324349425943 443479

324349

451336


419 268 313Avg Debt

Avg Net worth

AverageDebt


7137 7373 140855 165306

419302

12253 17205 18804 21976

36008

1343

1296 1302

1204

1302


NII NIM ()

23


290 485 460 356 466

1991 20271767 1907 2002




RoAA amp RoAE


5318

4560 48185368

4695

839 722 770 786 748

0

10

20

30

40

50

60



740 625 695

1091

1320

0

2

4

6

8

10

12

14



Earning Per Share

447

639 617

856

1255

0

2

4

6

8

10

12

14


24


2057

28282736



9406

1369514236

0

20

40

60

80

100

120

140

160


25


` in Crore


()Q1-FY17

QoQ Growth ()


()


35098 24028 4607 32168 911 67266 44812 5011

Other income 601 312 9274 763 -2119 1365 1415 -353

Total Income 35699 2434 4667 32932 840 68631 46227 4846

Finance costs 12743 10002 2740 1204 584 24783 19624 2629


Other expenses 4297 2505 7156 3247 3235 7544 4505 6746

Depreciation 252 21 2022 222 1373 474 384 2349


695 74 -608 625 1121 1320 1091 2098

Total Expenses 24436 18343 3322 22121 1047 46557 3494 3325



Profit after tax 7301 3849 8969 7137 231 14438 7373 9582

26



Share capital 11849 11824 021 8613 3756


Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380



Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000


Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you


4


`6486


016 GNPA 002 NNPA



Gross Loan Book

5











6










SFB Update

8

SFB Update











Overview of Ujjivan

10










128118

131

92


No of Branches1

Gross Loan Book

(` in crore)

1934 1321 2130 1100

11


CREDITOFFERINGS



MSEMicro

Finance

Housing




Agri amp Animal



12


4985

687

973

1384

044

1759

150 017






5150

646

975

1317

0361658

147 071







Business Overview

14

Loan Book Overview

872 1294 1383



073071053Gross Loan

Book Employee



408820585064 648593




Gross Loan Book 7250 6603 6877 6963 6750

2550 3397 3123 3037 3250

0

20

40

60

80

100


Repeat Fresh


2597 3279 3480


15


MSE488

Housing502

Agri amp Animal

Husbandry359

Others013

Agriculture Loan951

Business Loan

5594

Education Loan175

Family Loans 1919

Group Loans8639

(` in Crore)

360257 5066 5603

2195529541 31651

1673128662 32538

9206 19436 2331

671 778 836


Others


Housing

MSE

Microfinance



9901

MSE Secured 022

Housing Secured 077

16


008

010

021

028

041

069

084

119

130

206

240

262

269

320

331

342

458

493

499

507

1187

1316

1460

1597

000 200 400 600 800 1000 1200 1400 1600 1800

Himachal Pradesh

GOA

Chandigarh(UT)

Meghalaya

Chhattisgarh

Pondicherry

Uttarakhand

Tripura

Madhya Pradesh

New Delhi

Kerala

Orissa

Punjab

Jharkhand

Rajasthan

Assam

Bihar

Gujarat

Haryana

Uttar Pradesh

Maharashtra

Tamil nadu

West Bengal

Karnataka



Less than 1 year 7

1-3 years 176

3-5 years 28

Above 5 years 258

TOTAL 469


17



Product in `


MSE- Secured 394234




Others 50811


149093

166298 194278 256877

360577

7409

7684 8094

13302

15778

4909

7721 8601

9425

16321

3066 6001 7179

5590 13180

357 164 228 519 393

82

84

86

88

90

92

94

96

98

100



164835 187871

218380

285714

406249



18



002

004 004

013

018017

022

026 025

000

005

010

015

020

025

030

Q2-FY16 Q1-FY17 Q2-FY17

NNPA GNPA PAR gt30




2774 3444 3669

8902

85608600

83

84

85

86

87

88

89

90

0

10

20

30

40



9983

9978 9978


6 62 52775 728 618

316

2401263

Q2-FY16 Q1-FY17 Q2-FY17


19



September 2016

5330

65895960

Q2-FY16 Q1-FY17 Q2-FY17



1290

1180

1370

Q2-FY16 Q1-FY17 Q2-FY17


2 MFI Loans 63 78

Overdue 7 6






20

Head Count Details


7786

8258

88802326

20061876

000

500

1000

1500

2000

2500

7200

7400

7600

7800

8000

8200

8400

8600

8800

9000




023093

2816

7068


Senior Management



Financial Overview

22

Financial Overview

NII amp NIM


2434032932 35699

46227

68631


9582

8969

3849 7301 14438Net Profit

Total Income

531470 588933 635224 414630

619023


77332 77332 144227Average

Net worth

AverageTotal

Assets


324349425943 443479

324349

451336


419 268 313Avg Debt

Avg Net worth

AverageDebt


7137 7373 140855 165306

419302

12253 17205 18804 21976

36008

1343

1296 1302

1204

1302


NII NIM ()

23


290 485 460 356 466

1991 20271767 1907 2002




RoAA amp RoAE


5318

4560 48185368

4695

839 722 770 786 748

0

10

20

30

40

50

60



740 625 695

1091

1320

0

2

4

6

8

10

12

14



Earning Per Share

447

639 617

856

1255

0

2

4

6

8

10

12

14


24


2057

28282736



9406

1369514236

0

20

40

60

80

100

120

140

160


25


` in Crore


()Q1-FY17

QoQ Growth ()


()


35098 24028 4607 32168 911 67266 44812 5011

Other income 601 312 9274 763 -2119 1365 1415 -353

Total Income 35699 2434 4667 32932 840 68631 46227 4846

Finance costs 12743 10002 2740 1204 584 24783 19624 2629


Other expenses 4297 2505 7156 3247 3235 7544 4505 6746

Depreciation 252 21 2022 222 1373 474 384 2349


695 74 -608 625 1121 1320 1091 2098

Total Expenses 24436 18343 3322 22121 1047 46557 3494 3325



Profit after tax 7301 3849 8969 7137 231 14438 7373 9582

26



Share capital 11849 11824 021 8613 3756


Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380



Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000


Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you

5











6










SFB Update

8

SFB Update











Overview of Ujjivan

10










128118

131

92


No of Branches1

Gross Loan Book

(` in crore)

1934 1321 2130 1100

11


CREDITOFFERINGS



MSEMicro

Finance

Housing




Agri amp Animal



12


4985

687

973

1384

044

1759

150 017






5150

646

975

1317

0361658

147 071







Business Overview

14

Loan Book Overview

872 1294 1383



073071053Gross Loan

Book Employee



408820585064 648593




Gross Loan Book 7250 6603 6877 6963 6750

2550 3397 3123 3037 3250

0

20

40

60

80

100


Repeat Fresh


2597 3279 3480


15


MSE488

Housing502

Agri amp Animal

Husbandry359

Others013

Agriculture Loan951

Business Loan

5594

Education Loan175

Family Loans 1919

Group Loans8639

(` in Crore)

360257 5066 5603

2195529541 31651

1673128662 32538

9206 19436 2331

671 778 836


Others


Housing

MSE

Microfinance



9901

MSE Secured 022

Housing Secured 077

16


008

010

021

028

041

069

084

119

130

206

240

262

269

320

331

342

458

493

499

507

1187

1316

1460

1597

000 200 400 600 800 1000 1200 1400 1600 1800

Himachal Pradesh

GOA

Chandigarh(UT)

Meghalaya

Chhattisgarh

Pondicherry

Uttarakhand

Tripura

Madhya Pradesh

New Delhi

Kerala

Orissa

Punjab

Jharkhand

Rajasthan

Assam

Bihar

Gujarat

Haryana

Uttar Pradesh

Maharashtra

Tamil nadu

West Bengal

Karnataka



Less than 1 year 7

1-3 years 176

3-5 years 28

Above 5 years 258

TOTAL 469


17



Product in `


MSE- Secured 394234




Others 50811


149093

166298 194278 256877

360577

7409

7684 8094

13302

15778

4909

7721 8601

9425

16321

3066 6001 7179

5590 13180

357 164 228 519 393

82

84

86

88

90

92

94

96

98

100



164835 187871

218380

285714

406249



18



002

004 004

013

018017

022

026 025

000

005

010

015

020

025

030

Q2-FY16 Q1-FY17 Q2-FY17

NNPA GNPA PAR gt30




2774 3444 3669

8902

85608600

83

84

85

86

87

88

89

90

0

10

20

30

40



9983

9978 9978


6 62 52775 728 618

316

2401263

Q2-FY16 Q1-FY17 Q2-FY17


19



September 2016

5330

65895960

Q2-FY16 Q1-FY17 Q2-FY17



1290

1180

1370

Q2-FY16 Q1-FY17 Q2-FY17


2 MFI Loans 63 78

Overdue 7 6






20

Head Count Details


7786

8258

88802326

20061876

000

500

1000

1500

2000

2500

7200

7400

7600

7800

8000

8200

8400

8600

8800

9000




023093

2816

7068


Senior Management



Financial Overview

22

Financial Overview

NII amp NIM


2434032932 35699

46227

68631


9582

8969

3849 7301 14438Net Profit

Total Income

531470 588933 635224 414630

619023


77332 77332 144227Average

Net worth

AverageTotal

Assets


324349425943 443479

324349

451336


419 268 313Avg Debt

Avg Net worth

AverageDebt


7137 7373 140855 165306

419302

12253 17205 18804 21976

36008

1343

1296 1302

1204

1302


NII NIM ()

23


290 485 460 356 466

1991 20271767 1907 2002




RoAA amp RoAE


5318

4560 48185368

4695

839 722 770 786 748

0

10

20

30

40

50

60



740 625 695

1091

1320

0

2

4

6

8

10

12

14



Earning Per Share

447

639 617

856

1255

0

2

4

6

8

10

12

14


24


2057

28282736



9406

1369514236

0

20

40

60

80

100

120

140

160


25


` in Crore


()Q1-FY17

QoQ Growth ()


()


35098 24028 4607 32168 911 67266 44812 5011

Other income 601 312 9274 763 -2119 1365 1415 -353

Total Income 35699 2434 4667 32932 840 68631 46227 4846

Finance costs 12743 10002 2740 1204 584 24783 19624 2629


Other expenses 4297 2505 7156 3247 3235 7544 4505 6746

Depreciation 252 21 2022 222 1373 474 384 2349


695 74 -608 625 1121 1320 1091 2098

Total Expenses 24436 18343 3322 22121 1047 46557 3494 3325



Profit after tax 7301 3849 8969 7137 231 14438 7373 9582

26



Share capital 11849 11824 021 8613 3756


Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380



Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000


Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you

6










SFB Update

8

SFB Update











Overview of Ujjivan

10










128118

131

92


No of Branches1

Gross Loan Book

(` in crore)

1934 1321 2130 1100

11


CREDITOFFERINGS



MSEMicro

Finance

Housing




Agri amp Animal



12


4985

687

973

1384

044

1759

150 017






5150

646

975

1317

0361658

147 071







Business Overview

14

Loan Book Overview

872 1294 1383



073071053Gross Loan

Book Employee



408820585064 648593




Gross Loan Book 7250 6603 6877 6963 6750

2550 3397 3123 3037 3250

0

20

40

60

80

100


Repeat Fresh


2597 3279 3480


15


MSE488

Housing502

Agri amp Animal

Husbandry359

Others013

Agriculture Loan951

Business Loan

5594

Education Loan175

Family Loans 1919

Group Loans8639

(` in Crore)

360257 5066 5603

2195529541 31651

1673128662 32538

9206 19436 2331

671 778 836


Others


Housing

MSE

Microfinance



9901

MSE Secured 022

Housing Secured 077

16


008

010

021

028

041

069

084

119

130

206

240

262

269

320

331

342

458

493

499

507

1187

1316

1460

1597

000 200 400 600 800 1000 1200 1400 1600 1800

Himachal Pradesh

GOA

Chandigarh(UT)

Meghalaya

Chhattisgarh

Pondicherry

Uttarakhand

Tripura

Madhya Pradesh

New Delhi

Kerala

Orissa

Punjab

Jharkhand

Rajasthan

Assam

Bihar

Gujarat

Haryana

Uttar Pradesh

Maharashtra

Tamil nadu

West Bengal

Karnataka



Less than 1 year 7

1-3 years 176

3-5 years 28

Above 5 years 258

TOTAL 469


17



Product in `


MSE- Secured 394234




Others 50811


149093

166298 194278 256877

360577

7409

7684 8094

13302

15778

4909

7721 8601

9425

16321

3066 6001 7179

5590 13180

357 164 228 519 393

82

84

86

88

90

92

94

96

98

100



164835 187871

218380

285714

406249



18



002

004 004

013

018017

022

026 025

000

005

010

015

020

025

030

Q2-FY16 Q1-FY17 Q2-FY17

NNPA GNPA PAR gt30




2774 3444 3669

8902

85608600

83

84

85

86

87

88

89

90

0

10

20

30

40



9983

9978 9978


6 62 52775 728 618

316

2401263

Q2-FY16 Q1-FY17 Q2-FY17


19



September 2016

5330

65895960

Q2-FY16 Q1-FY17 Q2-FY17



1290

1180

1370

Q2-FY16 Q1-FY17 Q2-FY17


2 MFI Loans 63 78

Overdue 7 6






20

Head Count Details


7786

8258

88802326

20061876

000

500

1000

1500

2000

2500

7200

7400

7600

7800

8000

8200

8400

8600

8800

9000




023093

2816

7068


Senior Management



Financial Overview

22

Financial Overview

NII amp NIM


2434032932 35699

46227

68631


9582

8969

3849 7301 14438Net Profit

Total Income

531470 588933 635224 414630

619023


77332 77332 144227Average

Net worth

AverageTotal

Assets


324349425943 443479

324349

451336


419 268 313Avg Debt

Avg Net worth

AverageDebt


7137 7373 140855 165306

419302

12253 17205 18804 21976

36008

1343

1296 1302

1204

1302


NII NIM ()

23


290 485 460 356 466

1991 20271767 1907 2002




RoAA amp RoAE


5318

4560 48185368

4695

839 722 770 786 748

0

10

20

30

40

50

60



740 625 695

1091

1320

0

2

4

6

8

10

12

14



Earning Per Share

447

639 617

856

1255

0

2

4

6

8

10

12

14


24


2057

28282736



9406

1369514236

0

20

40

60

80

100

120

140

160


25


` in Crore


()Q1-FY17

QoQ Growth ()


()


35098 24028 4607 32168 911 67266 44812 5011

Other income 601 312 9274 763 -2119 1365 1415 -353

Total Income 35699 2434 4667 32932 840 68631 46227 4846

Finance costs 12743 10002 2740 1204 584 24783 19624 2629


Other expenses 4297 2505 7156 3247 3235 7544 4505 6746

Depreciation 252 21 2022 222 1373 474 384 2349


695 74 -608 625 1121 1320 1091 2098

Total Expenses 24436 18343 3322 22121 1047 46557 3494 3325



Profit after tax 7301 3849 8969 7137 231 14438 7373 9582

26



Share capital 11849 11824 021 8613 3756


Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380



Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000


Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you

SFB Update

8

SFB Update











Overview of Ujjivan

10










128118

131

92


No of Branches1

Gross Loan Book

(` in crore)

1934 1321 2130 1100

11


CREDITOFFERINGS



MSEMicro

Finance

Housing




Agri amp Animal



12


4985

687

973

1384

044

1759

150 017






5150

646

975

1317

0361658

147 071







Business Overview

14

Loan Book Overview

872 1294 1383



073071053Gross Loan

Book Employee



408820585064 648593




Gross Loan Book 7250 6603 6877 6963 6750

2550 3397 3123 3037 3250

0

20

40

60

80

100


Repeat Fresh


2597 3279 3480


15


MSE488

Housing502

Agri amp Animal

Husbandry359

Others013

Agriculture Loan951

Business Loan

5594

Education Loan175

Family Loans 1919

Group Loans8639

(` in Crore)

360257 5066 5603

2195529541 31651

1673128662 32538

9206 19436 2331

671 778 836


Others


Housing

MSE

Microfinance



9901

MSE Secured 022

Housing Secured 077

16


008

010

021

028

041

069

084

119

130

206

240

262

269

320

331

342

458

493

499

507

1187

1316

1460

1597

000 200 400 600 800 1000 1200 1400 1600 1800

Himachal Pradesh

GOA

Chandigarh(UT)

Meghalaya

Chhattisgarh

Pondicherry

Uttarakhand

Tripura

Madhya Pradesh

New Delhi

Kerala

Orissa

Punjab

Jharkhand

Rajasthan

Assam

Bihar

Gujarat

Haryana

Uttar Pradesh

Maharashtra

Tamil nadu

West Bengal

Karnataka



Less than 1 year 7

1-3 years 176

3-5 years 28

Above 5 years 258

TOTAL 469


17



Product in `


MSE- Secured 394234




Others 50811


149093

166298 194278 256877

360577

7409

7684 8094

13302

15778

4909

7721 8601

9425

16321

3066 6001 7179

5590 13180

357 164 228 519 393

82

84

86

88

90

92

94

96

98

100



164835 187871

218380

285714

406249



18



002

004 004

013

018017

022

026 025

000

005

010

015

020

025

030

Q2-FY16 Q1-FY17 Q2-FY17

NNPA GNPA PAR gt30




2774 3444 3669

8902

85608600

83

84

85

86

87

88

89

90

0

10

20

30

40



9983

9978 9978


6 62 52775 728 618

316

2401263

Q2-FY16 Q1-FY17 Q2-FY17


19



September 2016

5330

65895960

Q2-FY16 Q1-FY17 Q2-FY17



1290

1180

1370

Q2-FY16 Q1-FY17 Q2-FY17


2 MFI Loans 63 78

Overdue 7 6






20

Head Count Details


7786

8258

88802326

20061876

000

500

1000

1500

2000

2500

7200

7400

7600

7800

8000

8200

8400

8600

8800

9000




023093

2816

7068


Senior Management



Financial Overview

22

Financial Overview

NII amp NIM


2434032932 35699

46227

68631


9582

8969

3849 7301 14438Net Profit

Total Income

531470 588933 635224 414630

619023


77332 77332 144227Average

Net worth

AverageTotal

Assets


324349425943 443479

324349

451336


419 268 313Avg Debt

Avg Net worth

AverageDebt


7137 7373 140855 165306

419302

12253 17205 18804 21976

36008

1343

1296 1302

1204

1302


NII NIM ()

23


290 485 460 356 466

1991 20271767 1907 2002




RoAA amp RoAE


5318

4560 48185368

4695

839 722 770 786 748

0

10

20

30

40

50

60



740 625 695

1091

1320

0

2

4

6

8

10

12

14



Earning Per Share

447

639 617

856

1255

0

2

4

6

8

10

12

14


24


2057

28282736



9406

1369514236

0

20

40

60

80

100

120

140

160


25


` in Crore


()Q1-FY17

QoQ Growth ()


()


35098 24028 4607 32168 911 67266 44812 5011

Other income 601 312 9274 763 -2119 1365 1415 -353

Total Income 35699 2434 4667 32932 840 68631 46227 4846

Finance costs 12743 10002 2740 1204 584 24783 19624 2629


Other expenses 4297 2505 7156 3247 3235 7544 4505 6746

Depreciation 252 21 2022 222 1373 474 384 2349


695 74 -608 625 1121 1320 1091 2098

Total Expenses 24436 18343 3322 22121 1047 46557 3494 3325



Profit after tax 7301 3849 8969 7137 231 14438 7373 9582

26



Share capital 11849 11824 021 8613 3756


Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380



Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000


Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you

8

SFB Update











Overview of Ujjivan

10










128118

131

92


No of Branches1

Gross Loan Book

(` in crore)

1934 1321 2130 1100

11


CREDITOFFERINGS



MSEMicro

Finance

Housing




Agri amp Animal



12


4985

687

973

1384

044

1759

150 017






5150

646

975

1317

0361658

147 071







Business Overview

14

Loan Book Overview

872 1294 1383



073071053Gross Loan

Book Employee



408820585064 648593




Gross Loan Book 7250 6603 6877 6963 6750

2550 3397 3123 3037 3250

0

20

40

60

80

100


Repeat Fresh


2597 3279 3480


15


MSE488

Housing502

Agri amp Animal

Husbandry359

Others013

Agriculture Loan951

Business Loan

5594

Education Loan175

Family Loans 1919

Group Loans8639

(` in Crore)

360257 5066 5603

2195529541 31651

1673128662 32538

9206 19436 2331

671 778 836


Others


Housing

MSE

Microfinance



9901

MSE Secured 022

Housing Secured 077

16


008

010

021

028

041

069

084

119

130

206

240

262

269

320

331

342

458

493

499

507

1187

1316

1460

1597

000 200 400 600 800 1000 1200 1400 1600 1800

Himachal Pradesh

GOA

Chandigarh(UT)

Meghalaya

Chhattisgarh

Pondicherry

Uttarakhand

Tripura

Madhya Pradesh

New Delhi

Kerala

Orissa

Punjab

Jharkhand

Rajasthan

Assam

Bihar

Gujarat

Haryana

Uttar Pradesh

Maharashtra

Tamil nadu

West Bengal

Karnataka



Less than 1 year 7

1-3 years 176

3-5 years 28

Above 5 years 258

TOTAL 469


17



Product in `


MSE- Secured 394234




Others 50811


149093

166298 194278 256877

360577

7409

7684 8094

13302

15778

4909

7721 8601

9425

16321

3066 6001 7179

5590 13180

357 164 228 519 393

82

84

86

88

90

92

94

96

98

100



164835 187871

218380

285714

406249



18



002

004 004

013

018017

022

026 025

000

005

010

015

020

025

030

Q2-FY16 Q1-FY17 Q2-FY17

NNPA GNPA PAR gt30




2774 3444 3669

8902

85608600

83

84

85

86

87

88

89

90

0

10

20

30

40



9983

9978 9978


6 62 52775 728 618

316

2401263

Q2-FY16 Q1-FY17 Q2-FY17


19



September 2016

5330

65895960

Q2-FY16 Q1-FY17 Q2-FY17



1290

1180

1370

Q2-FY16 Q1-FY17 Q2-FY17


2 MFI Loans 63 78

Overdue 7 6






20

Head Count Details


7786

8258

88802326

20061876

000

500

1000

1500

2000

2500

7200

7400

7600

7800

8000

8200

8400

8600

8800

9000




023093

2816

7068


Senior Management



Financial Overview

22

Financial Overview

NII amp NIM


2434032932 35699

46227

68631


9582

8969

3849 7301 14438Net Profit

Total Income

531470 588933 635224 414630

619023


77332 77332 144227Average

Net worth

AverageTotal

Assets


324349425943 443479

324349

451336


419 268 313Avg Debt

Avg Net worth

AverageDebt


7137 7373 140855 165306

419302

12253 17205 18804 21976

36008

1343

1296 1302

1204

1302


NII NIM ()

23


290 485 460 356 466

1991 20271767 1907 2002




RoAA amp RoAE


5318

4560 48185368

4695

839 722 770 786 748

0

10

20

30

40

50

60



740 625 695

1091

1320

0

2

4

6

8

10

12

14



Earning Per Share

447

639 617

856

1255

0

2

4

6

8

10

12

14


24


2057

28282736



9406

1369514236

0

20

40

60

80

100

120

140

160


25


` in Crore


()Q1-FY17

QoQ Growth ()


()


35098 24028 4607 32168 911 67266 44812 5011

Other income 601 312 9274 763 -2119 1365 1415 -353

Total Income 35699 2434 4667 32932 840 68631 46227 4846

Finance costs 12743 10002 2740 1204 584 24783 19624 2629


Other expenses 4297 2505 7156 3247 3235 7544 4505 6746

Depreciation 252 21 2022 222 1373 474 384 2349


695 74 -608 625 1121 1320 1091 2098

Total Expenses 24436 18343 3322 22121 1047 46557 3494 3325



Profit after tax 7301 3849 8969 7137 231 14438 7373 9582

26



Share capital 11849 11824 021 8613 3756


Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380



Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000


Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you

Overview of Ujjivan

10










128118

131

92


No of Branches1

Gross Loan Book

(` in crore)

1934 1321 2130 1100

11


CREDITOFFERINGS



MSEMicro

Finance

Housing




Agri amp Animal



12


4985

687

973

1384

044

1759

150 017






5150

646

975

1317

0361658

147 071







Business Overview

14

Loan Book Overview

872 1294 1383



073071053Gross Loan

Book Employee



408820585064 648593




Gross Loan Book 7250 6603 6877 6963 6750

2550 3397 3123 3037 3250

0

20

40

60

80

100


Repeat Fresh


2597 3279 3480


15


MSE488

Housing502

Agri amp Animal

Husbandry359

Others013

Agriculture Loan951

Business Loan

5594

Education Loan175

Family Loans 1919

Group Loans8639

(` in Crore)

360257 5066 5603

2195529541 31651

1673128662 32538

9206 19436 2331

671 778 836


Others


Housing

MSE

Microfinance



9901

MSE Secured 022

Housing Secured 077

16


008

010

021

028

041

069

084

119

130

206

240

262

269

320

331

342

458

493

499

507

1187

1316

1460

1597

000 200 400 600 800 1000 1200 1400 1600 1800

Himachal Pradesh

GOA

Chandigarh(UT)

Meghalaya

Chhattisgarh

Pondicherry

Uttarakhand

Tripura

Madhya Pradesh

New Delhi

Kerala

Orissa

Punjab

Jharkhand

Rajasthan

Assam

Bihar

Gujarat

Haryana

Uttar Pradesh

Maharashtra

Tamil nadu

West Bengal

Karnataka



Less than 1 year 7

1-3 years 176

3-5 years 28

Above 5 years 258

TOTAL 469


17



Product in `


MSE- Secured 394234




Others 50811


149093

166298 194278 256877

360577

7409

7684 8094

13302

15778

4909

7721 8601

9425

16321

3066 6001 7179

5590 13180

357 164 228 519 393

82

84

86

88

90

92

94

96

98

100



164835 187871

218380

285714

406249



18



002

004 004

013

018017

022

026 025

000

005

010

015

020

025

030

Q2-FY16 Q1-FY17 Q2-FY17

NNPA GNPA PAR gt30




2774 3444 3669

8902

85608600

83

84

85

86

87

88

89

90

0

10

20

30

40



9983

9978 9978


6 62 52775 728 618

316

2401263

Q2-FY16 Q1-FY17 Q2-FY17


19



September 2016

5330

65895960

Q2-FY16 Q1-FY17 Q2-FY17



1290

1180

1370

Q2-FY16 Q1-FY17 Q2-FY17


2 MFI Loans 63 78

Overdue 7 6






20

Head Count Details


7786

8258

88802326

20061876

000

500

1000

1500

2000

2500

7200

7400

7600

7800

8000

8200

8400

8600

8800

9000




023093

2816

7068


Senior Management



Financial Overview

22

Financial Overview

NII amp NIM


2434032932 35699

46227

68631


9582

8969

3849 7301 14438Net Profit

Total Income

531470 588933 635224 414630

619023


77332 77332 144227Average

Net worth

AverageTotal

Assets


324349425943 443479

324349

451336


419 268 313Avg Debt

Avg Net worth

AverageDebt


7137 7373 140855 165306

419302

12253 17205 18804 21976

36008

1343

1296 1302

1204

1302


NII NIM ()

23


290 485 460 356 466

1991 20271767 1907 2002




RoAA amp RoAE


5318

4560 48185368

4695

839 722 770 786 748

0

10

20

30

40

50

60



740 625 695

1091

1320

0

2

4

6

8

10

12

14



Earning Per Share

447

639 617

856

1255

0

2

4

6

8

10

12

14


24


2057

28282736



9406

1369514236

0

20

40

60

80

100

120

140

160


25


` in Crore


()Q1-FY17

QoQ Growth ()


()


35098 24028 4607 32168 911 67266 44812 5011

Other income 601 312 9274 763 -2119 1365 1415 -353

Total Income 35699 2434 4667 32932 840 68631 46227 4846

Finance costs 12743 10002 2740 1204 584 24783 19624 2629


Other expenses 4297 2505 7156 3247 3235 7544 4505 6746

Depreciation 252 21 2022 222 1373 474 384 2349


695 74 -608 625 1121 1320 1091 2098

Total Expenses 24436 18343 3322 22121 1047 46557 3494 3325



Profit after tax 7301 3849 8969 7137 231 14438 7373 9582

26



Share capital 11849 11824 021 8613 3756


Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380



Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000


Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you

10










128118

131

92


No of Branches1

Gross Loan Book

(` in crore)

1934 1321 2130 1100

11


CREDITOFFERINGS



MSEMicro

Finance

Housing




Agri amp Animal



12


4985

687

973

1384

044

1759

150 017






5150

646

975

1317

0361658

147 071







Business Overview

14

Loan Book Overview

872 1294 1383



073071053Gross Loan

Book Employee



408820585064 648593




Gross Loan Book 7250 6603 6877 6963 6750

2550 3397 3123 3037 3250

0

20

40

60

80

100


Repeat Fresh


2597 3279 3480


15


MSE488

Housing502

Agri amp Animal

Husbandry359

Others013

Agriculture Loan951

Business Loan

5594

Education Loan175

Family Loans 1919

Group Loans8639

(` in Crore)

360257 5066 5603

2195529541 31651

1673128662 32538

9206 19436 2331

671 778 836


Others


Housing

MSE

Microfinance



9901

MSE Secured 022

Housing Secured 077

16


008

010

021

028

041

069

084

119

130

206

240

262

269

320

331

342

458

493

499

507

1187

1316

1460

1597

000 200 400 600 800 1000 1200 1400 1600 1800

Himachal Pradesh

GOA

Chandigarh(UT)

Meghalaya

Chhattisgarh

Pondicherry

Uttarakhand

Tripura

Madhya Pradesh

New Delhi

Kerala

Orissa

Punjab

Jharkhand

Rajasthan

Assam

Bihar

Gujarat

Haryana

Uttar Pradesh

Maharashtra

Tamil nadu

West Bengal

Karnataka



Less than 1 year 7

1-3 years 176

3-5 years 28

Above 5 years 258

TOTAL 469


17



Product in `


MSE- Secured 394234




Others 50811


149093

166298 194278 256877

360577

7409

7684 8094

13302

15778

4909

7721 8601

9425

16321

3066 6001 7179

5590 13180

357 164 228 519 393

82

84

86

88

90

92

94

96

98

100



164835 187871

218380

285714

406249



18



002

004 004

013

018017

022

026 025

000

005

010

015

020

025

030

Q2-FY16 Q1-FY17 Q2-FY17

NNPA GNPA PAR gt30




2774 3444 3669

8902

85608600

83

84

85

86

87

88

89

90

0

10

20

30

40



9983

9978 9978


6 62 52775 728 618

316

2401263

Q2-FY16 Q1-FY17 Q2-FY17


19



September 2016

5330

65895960

Q2-FY16 Q1-FY17 Q2-FY17



1290

1180

1370

Q2-FY16 Q1-FY17 Q2-FY17


2 MFI Loans 63 78

Overdue 7 6






20

Head Count Details


7786

8258

88802326

20061876

000

500

1000

1500

2000

2500

7200

7400

7600

7800

8000

8200

8400

8600

8800

9000




023093

2816

7068


Senior Management



Financial Overview

22

Financial Overview

NII amp NIM


2434032932 35699

46227

68631


9582

8969

3849 7301 14438Net Profit

Total Income

531470 588933 635224 414630

619023


77332 77332 144227Average

Net worth

AverageTotal

Assets


324349425943 443479

324349

451336


419 268 313Avg Debt

Avg Net worth

AverageDebt


7137 7373 140855 165306

419302

12253 17205 18804 21976

36008

1343

1296 1302

1204

1302


NII NIM ()

23


290 485 460 356 466

1991 20271767 1907 2002




RoAA amp RoAE


5318

4560 48185368

4695

839 722 770 786 748

0

10

20

30

40

50

60



740 625 695

1091

1320

0

2

4

6

8

10

12

14



Earning Per Share

447

639 617

856

1255

0

2

4

6

8

10

12

14


24


2057

28282736



9406

1369514236

0

20

40

60

80

100

120

140

160


25


` in Crore


()Q1-FY17

QoQ Growth ()


()


35098 24028 4607 32168 911 67266 44812 5011

Other income 601 312 9274 763 -2119 1365 1415 -353

Total Income 35699 2434 4667 32932 840 68631 46227 4846

Finance costs 12743 10002 2740 1204 584 24783 19624 2629


Other expenses 4297 2505 7156 3247 3235 7544 4505 6746

Depreciation 252 21 2022 222 1373 474 384 2349


695 74 -608 625 1121 1320 1091 2098

Total Expenses 24436 18343 3322 22121 1047 46557 3494 3325



Profit after tax 7301 3849 8969 7137 231 14438 7373 9582

26



Share capital 11849 11824 021 8613 3756


Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380



Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000


Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you

11


CREDITOFFERINGS



MSEMicro

Finance

Housing




Agri amp Animal



12


4985

687

973

1384

044

1759

150 017






5150

646

975

1317

0361658

147 071







Business Overview

14

Loan Book Overview

872 1294 1383



073071053Gross Loan

Book Employee



408820585064 648593




Gross Loan Book 7250 6603 6877 6963 6750

2550 3397 3123 3037 3250

0

20

40

60

80

100


Repeat Fresh


2597 3279 3480


15


MSE488

Housing502

Agri amp Animal

Husbandry359

Others013

Agriculture Loan951

Business Loan

5594

Education Loan175

Family Loans 1919

Group Loans8639

(` in Crore)

360257 5066 5603

2195529541 31651

1673128662 32538

9206 19436 2331

671 778 836


Others


Housing

MSE

Microfinance



9901

MSE Secured 022

Housing Secured 077

16


008

010

021

028

041

069

084

119

130

206

240

262

269

320

331

342

458

493

499

507

1187

1316

1460

1597

000 200 400 600 800 1000 1200 1400 1600 1800

Himachal Pradesh

GOA

Chandigarh(UT)

Meghalaya

Chhattisgarh

Pondicherry

Uttarakhand

Tripura

Madhya Pradesh

New Delhi

Kerala

Orissa

Punjab

Jharkhand

Rajasthan

Assam

Bihar

Gujarat

Haryana

Uttar Pradesh

Maharashtra

Tamil nadu

West Bengal

Karnataka



Less than 1 year 7

1-3 years 176

3-5 years 28

Above 5 years 258

TOTAL 469


17



Product in `


MSE- Secured 394234




Others 50811


149093

166298 194278 256877

360577

7409

7684 8094

13302

15778

4909

7721 8601

9425

16321

3066 6001 7179

5590 13180

357 164 228 519 393

82

84

86

88

90

92

94

96

98

100



164835 187871

218380

285714

406249



18



002

004 004

013

018017

022

026 025

000

005

010

015

020

025

030

Q2-FY16 Q1-FY17 Q2-FY17

NNPA GNPA PAR gt30




2774 3444 3669

8902

85608600

83

84

85

86

87

88

89

90

0

10

20

30

40



9983

9978 9978


6 62 52775 728 618

316

2401263

Q2-FY16 Q1-FY17 Q2-FY17


19



September 2016

5330

65895960

Q2-FY16 Q1-FY17 Q2-FY17



1290

1180

1370

Q2-FY16 Q1-FY17 Q2-FY17


2 MFI Loans 63 78

Overdue 7 6






20

Head Count Details


7786

8258

88802326

20061876

000

500

1000

1500

2000

2500

7200

7400

7600

7800

8000

8200

8400

8600

8800

9000




023093

2816

7068


Senior Management



Financial Overview

22

Financial Overview

NII amp NIM


2434032932 35699

46227

68631


9582

8969

3849 7301 14438Net Profit

Total Income

531470 588933 635224 414630

619023


77332 77332 144227Average

Net worth

AverageTotal

Assets


324349425943 443479

324349

451336


419 268 313Avg Debt

Avg Net worth

AverageDebt


7137 7373 140855 165306

419302

12253 17205 18804 21976

36008

1343

1296 1302

1204

1302


NII NIM ()

23


290 485 460 356 466

1991 20271767 1907 2002




RoAA amp RoAE


5318

4560 48185368

4695

839 722 770 786 748

0

10

20

30

40

50

60



740 625 695

1091

1320

0

2

4

6

8

10

12

14



Earning Per Share

447

639 617

856

1255

0

2

4

6

8

10

12

14


24


2057

28282736



9406

1369514236

0

20

40

60

80

100

120

140

160


25


` in Crore


()Q1-FY17

QoQ Growth ()


()


35098 24028 4607 32168 911 67266 44812 5011

Other income 601 312 9274 763 -2119 1365 1415 -353

Total Income 35699 2434 4667 32932 840 68631 46227 4846

Finance costs 12743 10002 2740 1204 584 24783 19624 2629


Other expenses 4297 2505 7156 3247 3235 7544 4505 6746

Depreciation 252 21 2022 222 1373 474 384 2349


695 74 -608 625 1121 1320 1091 2098

Total Expenses 24436 18343 3322 22121 1047 46557 3494 3325



Profit after tax 7301 3849 8969 7137 231 14438 7373 9582

26



Share capital 11849 11824 021 8613 3756


Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380



Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000


Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you

12


4985

687

973

1384

044

1759

150 017






5150

646

975

1317

0361658

147 071







Business Overview

14

Loan Book Overview

872 1294 1383



073071053Gross Loan

Book Employee



408820585064 648593




Gross Loan Book 7250 6603 6877 6963 6750

2550 3397 3123 3037 3250

0

20

40

60

80

100


Repeat Fresh


2597 3279 3480


15


MSE488

Housing502

Agri amp Animal

Husbandry359

Others013

Agriculture Loan951

Business Loan

5594

Education Loan175

Family Loans 1919

Group Loans8639

(` in Crore)

360257 5066 5603

2195529541 31651

1673128662 32538

9206 19436 2331

671 778 836


Others


Housing

MSE

Microfinance



9901

MSE Secured 022

Housing Secured 077

16


008

010

021

028

041

069

084

119

130

206

240

262

269

320

331

342

458

493

499

507

1187

1316

1460

1597

000 200 400 600 800 1000 1200 1400 1600 1800

Himachal Pradesh

GOA

Chandigarh(UT)

Meghalaya

Chhattisgarh

Pondicherry

Uttarakhand

Tripura

Madhya Pradesh

New Delhi

Kerala

Orissa

Punjab

Jharkhand

Rajasthan

Assam

Bihar

Gujarat

Haryana

Uttar Pradesh

Maharashtra

Tamil nadu

West Bengal

Karnataka



Less than 1 year 7

1-3 years 176

3-5 years 28

Above 5 years 258

TOTAL 469


17



Product in `


MSE- Secured 394234




Others 50811


149093

166298 194278 256877

360577

7409

7684 8094

13302

15778

4909

7721 8601

9425

16321

3066 6001 7179

5590 13180

357 164 228 519 393

82

84

86

88

90

92

94

96

98

100



164835 187871

218380

285714

406249



18



002

004 004

013

018017

022

026 025

000

005

010

015

020

025

030

Q2-FY16 Q1-FY17 Q2-FY17

NNPA GNPA PAR gt30




2774 3444 3669

8902

85608600

83

84

85

86

87

88

89

90

0

10

20

30

40



9983

9978 9978


6 62 52775 728 618

316

2401263

Q2-FY16 Q1-FY17 Q2-FY17


19



September 2016

5330

65895960

Q2-FY16 Q1-FY17 Q2-FY17



1290

1180

1370

Q2-FY16 Q1-FY17 Q2-FY17


2 MFI Loans 63 78

Overdue 7 6






20

Head Count Details


7786

8258

88802326

20061876

000

500

1000

1500

2000

2500

7200

7400

7600

7800

8000

8200

8400

8600

8800

9000




023093

2816

7068


Senior Management



Financial Overview

22

Financial Overview

NII amp NIM


2434032932 35699

46227

68631


9582

8969

3849 7301 14438Net Profit

Total Income

531470 588933 635224 414630

619023


77332 77332 144227Average

Net worth

AverageTotal

Assets


324349425943 443479

324349

451336


419 268 313Avg Debt

Avg Net worth

AverageDebt


7137 7373 140855 165306

419302

12253 17205 18804 21976

36008

1343

1296 1302

1204

1302


NII NIM ()

23


290 485 460 356 466

1991 20271767 1907 2002




RoAA amp RoAE


5318

4560 48185368

4695

839 722 770 786 748

0

10

20

30

40

50

60



740 625 695

1091

1320

0

2

4

6

8

10

12

14



Earning Per Share

447

639 617

856

1255

0

2

4

6

8

10

12

14


24


2057

28282736



9406

1369514236

0

20

40

60

80

100

120

140

160


25


` in Crore


()Q1-FY17

QoQ Growth ()


()


35098 24028 4607 32168 911 67266 44812 5011

Other income 601 312 9274 763 -2119 1365 1415 -353

Total Income 35699 2434 4667 32932 840 68631 46227 4846

Finance costs 12743 10002 2740 1204 584 24783 19624 2629


Other expenses 4297 2505 7156 3247 3235 7544 4505 6746

Depreciation 252 21 2022 222 1373 474 384 2349


695 74 -608 625 1121 1320 1091 2098

Total Expenses 24436 18343 3322 22121 1047 46557 3494 3325



Profit after tax 7301 3849 8969 7137 231 14438 7373 9582

26



Share capital 11849 11824 021 8613 3756


Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380



Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000


Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you

Business Overview

14

Loan Book Overview

872 1294 1383



073071053Gross Loan

Book Employee



408820585064 648593




Gross Loan Book 7250 6603 6877 6963 6750

2550 3397 3123 3037 3250

0

20

40

60

80

100


Repeat Fresh


2597 3279 3480


15


MSE488

Housing502

Agri amp Animal

Husbandry359

Others013

Agriculture Loan951

Business Loan

5594

Education Loan175

Family Loans 1919

Group Loans8639

(` in Crore)

360257 5066 5603

2195529541 31651

1673128662 32538

9206 19436 2331

671 778 836


Others


Housing

MSE

Microfinance



9901

MSE Secured 022

Housing Secured 077

16


008

010

021

028

041

069

084

119

130

206

240

262

269

320

331

342

458

493

499

507

1187

1316

1460

1597

000 200 400 600 800 1000 1200 1400 1600 1800

Himachal Pradesh

GOA

Chandigarh(UT)

Meghalaya

Chhattisgarh

Pondicherry

Uttarakhand

Tripura

Madhya Pradesh

New Delhi

Kerala

Orissa

Punjab

Jharkhand

Rajasthan

Assam

Bihar

Gujarat

Haryana

Uttar Pradesh

Maharashtra

Tamil nadu

West Bengal

Karnataka



Less than 1 year 7

1-3 years 176

3-5 years 28

Above 5 years 258

TOTAL 469


17



Product in `


MSE- Secured 394234




Others 50811


149093

166298 194278 256877

360577

7409

7684 8094

13302

15778

4909

7721 8601

9425

16321

3066 6001 7179

5590 13180

357 164 228 519 393

82

84

86

88

90

92

94

96

98

100



164835 187871

218380

285714

406249



18



002

004 004

013

018017

022

026 025

000

005

010

015

020

025

030

Q2-FY16 Q1-FY17 Q2-FY17

NNPA GNPA PAR gt30




2774 3444 3669

8902

85608600

83

84

85

86

87

88

89

90

0

10

20

30

40



9983

9978 9978


6 62 52775 728 618

316

2401263

Q2-FY16 Q1-FY17 Q2-FY17


19



September 2016

5330

65895960

Q2-FY16 Q1-FY17 Q2-FY17



1290

1180

1370

Q2-FY16 Q1-FY17 Q2-FY17


2 MFI Loans 63 78

Overdue 7 6






20

Head Count Details


7786

8258

88802326

20061876

000

500

1000

1500

2000

2500

7200

7400

7600

7800

8000

8200

8400

8600

8800

9000




023093

2816

7068


Senior Management



Financial Overview

22

Financial Overview

NII amp NIM


2434032932 35699

46227

68631


9582

8969

3849 7301 14438Net Profit

Total Income

531470 588933 635224 414630

619023


77332 77332 144227Average

Net worth

AverageTotal

Assets


324349425943 443479

324349

451336


419 268 313Avg Debt

Avg Net worth

AverageDebt


7137 7373 140855 165306

419302

12253 17205 18804 21976

36008

1343

1296 1302

1204

1302


NII NIM ()

23


290 485 460 356 466

1991 20271767 1907 2002




RoAA amp RoAE


5318

4560 48185368

4695

839 722 770 786 748

0

10

20

30

40

50

60



740 625 695

1091

1320

0

2

4

6

8

10

12

14



Earning Per Share

447

639 617

856

1255

0

2

4

6

8

10

12

14


24


2057

28282736



9406

1369514236

0

20

40

60

80

100

120

140

160


25


` in Crore


()Q1-FY17

QoQ Growth ()


()


35098 24028 4607 32168 911 67266 44812 5011

Other income 601 312 9274 763 -2119 1365 1415 -353

Total Income 35699 2434 4667 32932 840 68631 46227 4846

Finance costs 12743 10002 2740 1204 584 24783 19624 2629


Other expenses 4297 2505 7156 3247 3235 7544 4505 6746

Depreciation 252 21 2022 222 1373 474 384 2349


695 74 -608 625 1121 1320 1091 2098

Total Expenses 24436 18343 3322 22121 1047 46557 3494 3325



Profit after tax 7301 3849 8969 7137 231 14438 7373 9582

26



Share capital 11849 11824 021 8613 3756


Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380



Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000


Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you

14

Loan Book Overview

872 1294 1383



073071053Gross Loan

Book Employee



408820585064 648593




Gross Loan Book 7250 6603 6877 6963 6750

2550 3397 3123 3037 3250

0

20

40

60

80

100


Repeat Fresh


2597 3279 3480


15


MSE488

Housing502

Agri amp Animal

Husbandry359

Others013

Agriculture Loan951

Business Loan

5594

Education Loan175

Family Loans 1919

Group Loans8639

(` in Crore)

360257 5066 5603

2195529541 31651

1673128662 32538

9206 19436 2331

671 778 836


Others


Housing

MSE

Microfinance



9901

MSE Secured 022

Housing Secured 077

16


008

010

021

028

041

069

084

119

130

206

240

262

269

320

331

342

458

493

499

507

1187

1316

1460

1597

000 200 400 600 800 1000 1200 1400 1600 1800

Himachal Pradesh

GOA

Chandigarh(UT)

Meghalaya

Chhattisgarh

Pondicherry

Uttarakhand

Tripura

Madhya Pradesh

New Delhi

Kerala

Orissa

Punjab

Jharkhand

Rajasthan

Assam

Bihar

Gujarat

Haryana

Uttar Pradesh

Maharashtra

Tamil nadu

West Bengal

Karnataka



Less than 1 year 7

1-3 years 176

3-5 years 28

Above 5 years 258

TOTAL 469


17



Product in `


MSE- Secured 394234




Others 50811


149093

166298 194278 256877

360577

7409

7684 8094

13302

15778

4909

7721 8601

9425

16321

3066 6001 7179

5590 13180

357 164 228 519 393

82

84

86

88

90

92

94

96

98

100



164835 187871

218380

285714

406249



18



002

004 004

013

018017

022

026 025

000

005

010

015

020

025

030

Q2-FY16 Q1-FY17 Q2-FY17

NNPA GNPA PAR gt30




2774 3444 3669

8902

85608600

83

84

85

86

87

88

89

90

0

10

20

30

40



9983

9978 9978


6 62 52775 728 618

316

2401263

Q2-FY16 Q1-FY17 Q2-FY17


19



September 2016

5330

65895960

Q2-FY16 Q1-FY17 Q2-FY17



1290

1180

1370

Q2-FY16 Q1-FY17 Q2-FY17


2 MFI Loans 63 78

Overdue 7 6






20

Head Count Details


7786

8258

88802326

20061876

000

500

1000

1500

2000

2500

7200

7400

7600

7800

8000

8200

8400

8600

8800

9000




023093

2816

7068


Senior Management



Financial Overview

22

Financial Overview

NII amp NIM


2434032932 35699

46227

68631


9582

8969

3849 7301 14438Net Profit

Total Income

531470 588933 635224 414630

619023


77332 77332 144227Average

Net worth

AverageTotal

Assets


324349425943 443479

324349

451336


419 268 313Avg Debt

Avg Net worth

AverageDebt


7137 7373 140855 165306

419302

12253 17205 18804 21976

36008

1343

1296 1302

1204

1302


NII NIM ()

23


290 485 460 356 466

1991 20271767 1907 2002




RoAA amp RoAE


5318

4560 48185368

4695

839 722 770 786 748

0

10

20

30

40

50

60



740 625 695

1091

1320

0

2

4

6

8

10

12

14



Earning Per Share

447

639 617

856

1255

0

2

4

6

8

10

12

14


24


2057

28282736



9406

1369514236

0

20

40

60

80

100

120

140

160


25


` in Crore


()Q1-FY17

QoQ Growth ()


()


35098 24028 4607 32168 911 67266 44812 5011

Other income 601 312 9274 763 -2119 1365 1415 -353

Total Income 35699 2434 4667 32932 840 68631 46227 4846

Finance costs 12743 10002 2740 1204 584 24783 19624 2629


Other expenses 4297 2505 7156 3247 3235 7544 4505 6746

Depreciation 252 21 2022 222 1373 474 384 2349


695 74 -608 625 1121 1320 1091 2098

Total Expenses 24436 18343 3322 22121 1047 46557 3494 3325



Profit after tax 7301 3849 8969 7137 231 14438 7373 9582

26



Share capital 11849 11824 021 8613 3756


Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380



Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000


Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you

15


MSE488

Housing502

Agri amp Animal

Husbandry359

Others013

Agriculture Loan951

Business Loan

5594

Education Loan175

Family Loans 1919

Group Loans8639

(` in Crore)

360257 5066 5603

2195529541 31651

1673128662 32538

9206 19436 2331

671 778 836


Others


Housing

MSE

Microfinance



9901

MSE Secured 022

Housing Secured 077

16


008

010

021

028

041

069

084

119

130

206

240

262

269

320

331

342

458

493

499

507

1187

1316

1460

1597

000 200 400 600 800 1000 1200 1400 1600 1800

Himachal Pradesh

GOA

Chandigarh(UT)

Meghalaya

Chhattisgarh

Pondicherry

Uttarakhand

Tripura

Madhya Pradesh

New Delhi

Kerala

Orissa

Punjab

Jharkhand

Rajasthan

Assam

Bihar

Gujarat

Haryana

Uttar Pradesh

Maharashtra

Tamil nadu

West Bengal

Karnataka



Less than 1 year 7

1-3 years 176

3-5 years 28

Above 5 years 258

TOTAL 469


17



Product in `


MSE- Secured 394234




Others 50811


149093

166298 194278 256877

360577

7409

7684 8094

13302

15778

4909

7721 8601

9425

16321

3066 6001 7179

5590 13180

357 164 228 519 393

82

84

86

88

90

92

94

96

98

100



164835 187871

218380

285714

406249



18



002

004 004

013

018017

022

026 025

000

005

010

015

020

025

030

Q2-FY16 Q1-FY17 Q2-FY17

NNPA GNPA PAR gt30




2774 3444 3669

8902

85608600

83

84

85

86

87

88

89

90

0

10

20

30

40



9983

9978 9978


6 62 52775 728 618

316

2401263

Q2-FY16 Q1-FY17 Q2-FY17


19



September 2016

5330

65895960

Q2-FY16 Q1-FY17 Q2-FY17



1290

1180

1370

Q2-FY16 Q1-FY17 Q2-FY17


2 MFI Loans 63 78

Overdue 7 6






20

Head Count Details


7786

8258

88802326

20061876

000

500

1000

1500

2000

2500

7200

7400

7600

7800

8000

8200

8400

8600

8800

9000




023093

2816

7068


Senior Management



Financial Overview

22

Financial Overview

NII amp NIM


2434032932 35699

46227

68631


9582

8969

3849 7301 14438Net Profit

Total Income

531470 588933 635224 414630

619023


77332 77332 144227Average

Net worth

AverageTotal

Assets


324349425943 443479

324349

451336


419 268 313Avg Debt

Avg Net worth

AverageDebt


7137 7373 140855 165306

419302

12253 17205 18804 21976

36008

1343

1296 1302

1204

1302


NII NIM ()

23


290 485 460 356 466

1991 20271767 1907 2002




RoAA amp RoAE


5318

4560 48185368

4695

839 722 770 786 748

0

10

20

30

40

50

60



740 625 695

1091

1320

0

2

4

6

8

10

12

14



Earning Per Share

447

639 617

856

1255

0

2

4

6

8

10

12

14


24


2057

28282736



9406

1369514236

0

20

40

60

80

100

120

140

160


25


` in Crore


()Q1-FY17

QoQ Growth ()


()


35098 24028 4607 32168 911 67266 44812 5011

Other income 601 312 9274 763 -2119 1365 1415 -353

Total Income 35699 2434 4667 32932 840 68631 46227 4846

Finance costs 12743 10002 2740 1204 584 24783 19624 2629


Other expenses 4297 2505 7156 3247 3235 7544 4505 6746

Depreciation 252 21 2022 222 1373 474 384 2349


695 74 -608 625 1121 1320 1091 2098

Total Expenses 24436 18343 3322 22121 1047 46557 3494 3325



Profit after tax 7301 3849 8969 7137 231 14438 7373 9582

26



Share capital 11849 11824 021 8613 3756


Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380



Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000


Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you

16


008

010

021

028

041

069

084

119

130

206

240

262

269

320

331

342

458

493

499

507

1187

1316

1460

1597

000 200 400 600 800 1000 1200 1400 1600 1800

Himachal Pradesh

GOA

Chandigarh(UT)

Meghalaya

Chhattisgarh

Pondicherry

Uttarakhand

Tripura

Madhya Pradesh

New Delhi

Kerala

Orissa

Punjab

Jharkhand

Rajasthan

Assam

Bihar

Gujarat

Haryana

Uttar Pradesh

Maharashtra

Tamil nadu

West Bengal

Karnataka



Less than 1 year 7

1-3 years 176

3-5 years 28

Above 5 years 258

TOTAL 469


17



Product in `


MSE- Secured 394234




Others 50811


149093

166298 194278 256877

360577

7409

7684 8094

13302

15778

4909

7721 8601

9425

16321

3066 6001 7179

5590 13180

357 164 228 519 393

82

84

86

88

90

92

94

96

98

100



164835 187871

218380

285714

406249



18



002

004 004

013

018017

022

026 025

000

005

010

015

020

025

030

Q2-FY16 Q1-FY17 Q2-FY17

NNPA GNPA PAR gt30




2774 3444 3669

8902

85608600

83

84

85

86

87

88

89

90

0

10

20

30

40



9983

9978 9978


6 62 52775 728 618

316

2401263

Q2-FY16 Q1-FY17 Q2-FY17


19



September 2016

5330

65895960

Q2-FY16 Q1-FY17 Q2-FY17



1290

1180

1370

Q2-FY16 Q1-FY17 Q2-FY17


2 MFI Loans 63 78

Overdue 7 6






20

Head Count Details


7786

8258

88802326

20061876

000

500

1000

1500

2000

2500

7200

7400

7600

7800

8000

8200

8400

8600

8800

9000




023093

2816

7068


Senior Management



Financial Overview

22

Financial Overview

NII amp NIM


2434032932 35699

46227

68631


9582

8969

3849 7301 14438Net Profit

Total Income

531470 588933 635224 414630

619023


77332 77332 144227Average

Net worth

AverageTotal

Assets


324349425943 443479

324349

451336


419 268 313Avg Debt

Avg Net worth

AverageDebt


7137 7373 140855 165306

419302

12253 17205 18804 21976

36008

1343

1296 1302

1204

1302


NII NIM ()

23


290 485 460 356 466

1991 20271767 1907 2002




RoAA amp RoAE


5318

4560 48185368

4695

839 722 770 786 748

0

10

20

30

40

50

60



740 625 695

1091

1320

0

2

4

6

8

10

12

14



Earning Per Share

447

639 617

856

1255

0

2

4

6

8

10

12

14


24


2057

28282736



9406

1369514236

0

20

40

60

80

100

120

140

160


25


` in Crore


()Q1-FY17

QoQ Growth ()


()


35098 24028 4607 32168 911 67266 44812 5011

Other income 601 312 9274 763 -2119 1365 1415 -353

Total Income 35699 2434 4667 32932 840 68631 46227 4846

Finance costs 12743 10002 2740 1204 584 24783 19624 2629


Other expenses 4297 2505 7156 3247 3235 7544 4505 6746

Depreciation 252 21 2022 222 1373 474 384 2349


695 74 -608 625 1121 1320 1091 2098

Total Expenses 24436 18343 3322 22121 1047 46557 3494 3325



Profit after tax 7301 3849 8969 7137 231 14438 7373 9582

26



Share capital 11849 11824 021 8613 3756


Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380



Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000


Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you

17



Product in `


MSE- Secured 394234




Others 50811


149093

166298 194278 256877

360577

7409

7684 8094

13302

15778

4909

7721 8601

9425

16321

3066 6001 7179

5590 13180

357 164 228 519 393

82

84

86

88

90

92

94

96

98

100



164835 187871

218380

285714

406249



18



002

004 004

013

018017

022

026 025

000

005

010

015

020

025

030

Q2-FY16 Q1-FY17 Q2-FY17

NNPA GNPA PAR gt30




2774 3444 3669

8902

85608600

83

84

85

86

87

88

89

90

0

10

20

30

40



9983

9978 9978


6 62 52775 728 618

316

2401263

Q2-FY16 Q1-FY17 Q2-FY17


19



September 2016

5330

65895960

Q2-FY16 Q1-FY17 Q2-FY17



1290

1180

1370

Q2-FY16 Q1-FY17 Q2-FY17


2 MFI Loans 63 78

Overdue 7 6






20

Head Count Details


7786

8258

88802326

20061876

000

500

1000

1500

2000

2500

7200

7400

7600

7800

8000

8200

8400

8600

8800

9000




023093

2816

7068


Senior Management



Financial Overview

22

Financial Overview

NII amp NIM


2434032932 35699

46227

68631


9582

8969

3849 7301 14438Net Profit

Total Income

531470 588933 635224 414630

619023


77332 77332 144227Average

Net worth

AverageTotal

Assets


324349425943 443479

324349

451336


419 268 313Avg Debt

Avg Net worth

AverageDebt


7137 7373 140855 165306

419302

12253 17205 18804 21976

36008

1343

1296 1302

1204

1302


NII NIM ()

23


290 485 460 356 466

1991 20271767 1907 2002




RoAA amp RoAE


5318

4560 48185368

4695

839 722 770 786 748

0

10

20

30

40

50

60



740 625 695

1091

1320

0

2

4

6

8

10

12

14



Earning Per Share

447

639 617

856

1255

0

2

4

6

8

10

12

14


24


2057

28282736



9406

1369514236

0

20

40

60

80

100

120

140

160


25


` in Crore


()Q1-FY17

QoQ Growth ()


()


35098 24028 4607 32168 911 67266 44812 5011

Other income 601 312 9274 763 -2119 1365 1415 -353

Total Income 35699 2434 4667 32932 840 68631 46227 4846

Finance costs 12743 10002 2740 1204 584 24783 19624 2629


Other expenses 4297 2505 7156 3247 3235 7544 4505 6746

Depreciation 252 21 2022 222 1373 474 384 2349


695 74 -608 625 1121 1320 1091 2098

Total Expenses 24436 18343 3322 22121 1047 46557 3494 3325



Profit after tax 7301 3849 8969 7137 231 14438 7373 9582

26



Share capital 11849 11824 021 8613 3756


Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380



Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000


Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you

18



002

004 004

013

018017

022

026 025

000

005

010

015

020

025

030

Q2-FY16 Q1-FY17 Q2-FY17

NNPA GNPA PAR gt30




2774 3444 3669

8902

85608600

83

84

85

86

87

88

89

90

0

10

20

30

40



9983

9978 9978


6 62 52775 728 618

316

2401263

Q2-FY16 Q1-FY17 Q2-FY17


19



September 2016

5330

65895960

Q2-FY16 Q1-FY17 Q2-FY17



1290

1180

1370

Q2-FY16 Q1-FY17 Q2-FY17


2 MFI Loans 63 78

Overdue 7 6






20

Head Count Details


7786

8258

88802326

20061876

000

500

1000

1500

2000

2500

7200

7400

7600

7800

8000

8200

8400

8600

8800

9000




023093

2816

7068


Senior Management



Financial Overview

22

Financial Overview

NII amp NIM


2434032932 35699

46227

68631


9582

8969

3849 7301 14438Net Profit

Total Income

531470 588933 635224 414630

619023


77332 77332 144227Average

Net worth

AverageTotal

Assets


324349425943 443479

324349

451336


419 268 313Avg Debt

Avg Net worth

AverageDebt


7137 7373 140855 165306

419302

12253 17205 18804 21976

36008

1343

1296 1302

1204

1302


NII NIM ()

23


290 485 460 356 466

1991 20271767 1907 2002




RoAA amp RoAE


5318

4560 48185368

4695

839 722 770 786 748

0

10

20

30

40

50

60



740 625 695

1091

1320

0

2

4

6

8

10

12

14



Earning Per Share

447

639 617

856

1255

0

2

4

6

8

10

12

14


24


2057

28282736



9406

1369514236

0

20

40

60

80

100

120

140

160


25


` in Crore


()Q1-FY17

QoQ Growth ()


()


35098 24028 4607 32168 911 67266 44812 5011

Other income 601 312 9274 763 -2119 1365 1415 -353

Total Income 35699 2434 4667 32932 840 68631 46227 4846

Finance costs 12743 10002 2740 1204 584 24783 19624 2629


Other expenses 4297 2505 7156 3247 3235 7544 4505 6746

Depreciation 252 21 2022 222 1373 474 384 2349


695 74 -608 625 1121 1320 1091 2098

Total Expenses 24436 18343 3322 22121 1047 46557 3494 3325



Profit after tax 7301 3849 8969 7137 231 14438 7373 9582

26



Share capital 11849 11824 021 8613 3756


Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380



Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000


Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you

19



September 2016

5330

65895960

Q2-FY16 Q1-FY17 Q2-FY17



1290

1180

1370

Q2-FY16 Q1-FY17 Q2-FY17


2 MFI Loans 63 78

Overdue 7 6






20

Head Count Details


7786

8258

88802326

20061876

000

500

1000

1500

2000

2500

7200

7400

7600

7800

8000

8200

8400

8600

8800

9000




023093

2816

7068


Senior Management



Financial Overview

22

Financial Overview

NII amp NIM


2434032932 35699

46227

68631


9582

8969

3849 7301 14438Net Profit

Total Income

531470 588933 635224 414630

619023


77332 77332 144227Average

Net worth

AverageTotal

Assets


324349425943 443479

324349

451336


419 268 313Avg Debt

Avg Net worth

AverageDebt


7137 7373 140855 165306

419302

12253 17205 18804 21976

36008

1343

1296 1302

1204

1302


NII NIM ()

23


290 485 460 356 466

1991 20271767 1907 2002




RoAA amp RoAE


5318

4560 48185368

4695

839 722 770 786 748

0

10

20

30

40

50

60



740 625 695

1091

1320

0

2

4

6

8

10

12

14



Earning Per Share

447

639 617

856

1255

0

2

4

6

8

10

12

14


24


2057

28282736



9406

1369514236

0

20

40

60

80

100

120

140

160


25


` in Crore


()Q1-FY17

QoQ Growth ()


()


35098 24028 4607 32168 911 67266 44812 5011

Other income 601 312 9274 763 -2119 1365 1415 -353

Total Income 35699 2434 4667 32932 840 68631 46227 4846

Finance costs 12743 10002 2740 1204 584 24783 19624 2629


Other expenses 4297 2505 7156 3247 3235 7544 4505 6746

Depreciation 252 21 2022 222 1373 474 384 2349


695 74 -608 625 1121 1320 1091 2098

Total Expenses 24436 18343 3322 22121 1047 46557 3494 3325



Profit after tax 7301 3849 8969 7137 231 14438 7373 9582

26



Share capital 11849 11824 021 8613 3756


Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380



Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000


Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you

20

Head Count Details


7786

8258

88802326

20061876

000

500

1000

1500

2000

2500

7200

7400

7600

7800

8000

8200

8400

8600

8800

9000




023093

2816

7068


Senior Management



Financial Overview

22

Financial Overview

NII amp NIM


2434032932 35699

46227

68631


9582

8969

3849 7301 14438Net Profit

Total Income

531470 588933 635224 414630

619023


77332 77332 144227Average

Net worth

AverageTotal

Assets


324349425943 443479

324349

451336


419 268 313Avg Debt

Avg Net worth

AverageDebt


7137 7373 140855 165306

419302

12253 17205 18804 21976

36008

1343

1296 1302

1204

1302


NII NIM ()

23


290 485 460 356 466

1991 20271767 1907 2002




RoAA amp RoAE


5318

4560 48185368

4695

839 722 770 786 748

0

10

20

30

40

50

60



740 625 695

1091

1320

0

2

4

6

8

10

12

14



Earning Per Share

447

639 617

856

1255

0

2

4

6

8

10

12

14


24


2057

28282736



9406

1369514236

0

20

40

60

80

100

120

140

160


25


` in Crore


()Q1-FY17

QoQ Growth ()


()


35098 24028 4607 32168 911 67266 44812 5011

Other income 601 312 9274 763 -2119 1365 1415 -353

Total Income 35699 2434 4667 32932 840 68631 46227 4846

Finance costs 12743 10002 2740 1204 584 24783 19624 2629


Other expenses 4297 2505 7156 3247 3235 7544 4505 6746

Depreciation 252 21 2022 222 1373 474 384 2349


695 74 -608 625 1121 1320 1091 2098

Total Expenses 24436 18343 3322 22121 1047 46557 3494 3325



Profit after tax 7301 3849 8969 7137 231 14438 7373 9582

26



Share capital 11849 11824 021 8613 3756


Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380



Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000


Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you

Financial Overview

22

Financial Overview

NII amp NIM


2434032932 35699

46227

68631


9582

8969

3849 7301 14438Net Profit

Total Income

531470 588933 635224 414630

619023


77332 77332 144227Average

Net worth

AverageTotal

Assets


324349425943 443479

324349

451336


419 268 313Avg Debt

Avg Net worth

AverageDebt


7137 7373 140855 165306

419302

12253 17205 18804 21976

36008

1343

1296 1302

1204

1302


NII NIM ()

23


290 485 460 356 466

1991 20271767 1907 2002




RoAA amp RoAE


5318

4560 48185368

4695

839 722 770 786 748

0

10

20

30

40

50

60



740 625 695

1091

1320

0

2

4

6

8

10

12

14



Earning Per Share

447

639 617

856

1255

0

2

4

6

8

10

12

14


24


2057

28282736



9406

1369514236

0

20

40

60

80

100

120

140

160


25


` in Crore


()Q1-FY17

QoQ Growth ()


()


35098 24028 4607 32168 911 67266 44812 5011

Other income 601 312 9274 763 -2119 1365 1415 -353

Total Income 35699 2434 4667 32932 840 68631 46227 4846

Finance costs 12743 10002 2740 1204 584 24783 19624 2629


Other expenses 4297 2505 7156 3247 3235 7544 4505 6746

Depreciation 252 21 2022 222 1373 474 384 2349


695 74 -608 625 1121 1320 1091 2098

Total Expenses 24436 18343 3322 22121 1047 46557 3494 3325



Profit after tax 7301 3849 8969 7137 231 14438 7373 9582

26



Share capital 11849 11824 021 8613 3756


Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380



Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000


Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you

22

Financial Overview

NII amp NIM


2434032932 35699

46227

68631


9582

8969

3849 7301 14438Net Profit

Total Income

531470 588933 635224 414630

619023


77332 77332 144227Average

Net worth

AverageTotal

Assets


324349425943 443479

324349

451336


419 268 313Avg Debt

Avg Net worth

AverageDebt


7137 7373 140855 165306

419302

12253 17205 18804 21976

36008

1343

1296 1302

1204

1302


NII NIM ()

23


290 485 460 356 466

1991 20271767 1907 2002




RoAA amp RoAE


5318

4560 48185368

4695

839 722 770 786 748

0

10

20

30

40

50

60



740 625 695

1091

1320

0

2

4

6

8

10

12

14



Earning Per Share

447

639 617

856

1255

0

2

4

6

8

10

12

14


24


2057

28282736



9406

1369514236

0

20

40

60

80

100

120

140

160


25


` in Crore


()Q1-FY17

QoQ Growth ()


()


35098 24028 4607 32168 911 67266 44812 5011

Other income 601 312 9274 763 -2119 1365 1415 -353

Total Income 35699 2434 4667 32932 840 68631 46227 4846

Finance costs 12743 10002 2740 1204 584 24783 19624 2629


Other expenses 4297 2505 7156 3247 3235 7544 4505 6746

Depreciation 252 21 2022 222 1373 474 384 2349


695 74 -608 625 1121 1320 1091 2098

Total Expenses 24436 18343 3322 22121 1047 46557 3494 3325



Profit after tax 7301 3849 8969 7137 231 14438 7373 9582

26



Share capital 11849 11824 021 8613 3756


Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380



Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000


Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you

23


290 485 460 356 466

1991 20271767 1907 2002




RoAA amp RoAE


5318

4560 48185368

4695

839 722 770 786 748

0

10

20

30

40

50

60



740 625 695

1091

1320

0

2

4

6

8

10

12

14



Earning Per Share

447

639 617

856

1255

0

2

4

6

8

10

12

14


24


2057

28282736



9406

1369514236

0

20

40

60

80

100

120

140

160


25


` in Crore


()Q1-FY17

QoQ Growth ()


()


35098 24028 4607 32168 911 67266 44812 5011

Other income 601 312 9274 763 -2119 1365 1415 -353

Total Income 35699 2434 4667 32932 840 68631 46227 4846

Finance costs 12743 10002 2740 1204 584 24783 19624 2629


Other expenses 4297 2505 7156 3247 3235 7544 4505 6746

Depreciation 252 21 2022 222 1373 474 384 2349


695 74 -608 625 1121 1320 1091 2098

Total Expenses 24436 18343 3322 22121 1047 46557 3494 3325



Profit after tax 7301 3849 8969 7137 231 14438 7373 9582

26



Share capital 11849 11824 021 8613 3756


Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380



Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000


Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you

24


2057

28282736



9406

1369514236

0

20

40

60

80

100

120

140

160


25


` in Crore


()Q1-FY17

QoQ Growth ()


()


35098 24028 4607 32168 911 67266 44812 5011

Other income 601 312 9274 763 -2119 1365 1415 -353

Total Income 35699 2434 4667 32932 840 68631 46227 4846

Finance costs 12743 10002 2740 1204 584 24783 19624 2629


Other expenses 4297 2505 7156 3247 3235 7544 4505 6746

Depreciation 252 21 2022 222 1373 474 384 2349


695 74 -608 625 1121 1320 1091 2098

Total Expenses 24436 18343 3322 22121 1047 46557 3494 3325



Profit after tax 7301 3849 8969 7137 231 14438 7373 9582

26



Share capital 11849 11824 021 8613 3756


Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380



Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000


Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you

25


` in Crore


()Q1-FY17

QoQ Growth ()


()


35098 24028 4607 32168 911 67266 44812 5011

Other income 601 312 9274 763 -2119 1365 1415 -353

Total Income 35699 2434 4667 32932 840 68631 46227 4846

Finance costs 12743 10002 2740 1204 584 24783 19624 2629


Other expenses 4297 2505 7156 3247 3235 7544 4505 6746

Depreciation 252 21 2022 222 1373 474 384 2349


695 74 -608 625 1121 1320 1091 2098

Total Expenses 24436 18343 3322 22121 1047 46557 3494 3325



Profit after tax 7301 3849 8969 7137 231 14438 7373 9582

26



Share capital 11849 11824 021 8613 3756


Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380



Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000


Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you

26



Share capital 11849 11824 021 8613 3756


Borrowings 468872 418086 1215 336520 3933

Provisions 11410 10761 603 6565 7380



Advances 600020 555748 797 407976 4707

Investments 010 01 100 010 000


Other assets 18976 17589 789 12795 4831

Total 665315 605134 995 431633 5414

` in Crore


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you


28

Borrowing Mix

5288

5161

5305

4712

4839

4695

Sep-15

Jun-16

Sep-16




1 Term Loan 356230 69 276895 78 326837 73




5 Sub Debt 5000 1 5000 1 5000 1



29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you

29





A+`56500 Crore





1266

1160

1135

11

11

12

12

13

13

Q2 FY16 Q1 FY17 Q2 FY17


Thank you

Thank you

ujjivanmanaged portfolio as on september 30, 2016 at `485.74 crore net loan book at `6,000.20 crore;...

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