results press release, result presentation for december 31, 2015 [result]
TRANSCRIPT
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PRESS RELEASE
Performance of the Bank for the Quarter & Nine months ended December, 2015
Total Business of the Bank stood at Rs.926,686 Crores as of 31st December
2015, as compared to Rs.940,623 Crores as of 31st December 2014, showing a
y-o-y negative growth of -1.48%.
While deposits have de-grown by -0.27% (y-o-y) to Rs.528,772 Crores, Gross
Advances stood at Rs.397,914 Crores with a negative growth of -3.04%. CASA ratio (domestic operations) stood at 32.26% as on 31st December, 2015.
Overseas business recorded a negative growth of -4.30% and stood at 28% of
total business of the Bank.
Gross NPAs of the Bank increased from Rs.29,894 Crores in Q2 to Rs.36,519
Crores in Q3 FY’16 sequentially. Net NPAs moved up from Rs.16,466 Crores toRs.19,979 Crores, during the same period.
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Profits & Profitability for the Quarter – December 15:
Net Interest Income for Q3-FY’16 stood at Rs. 2,605 Crores compared to
Rs.2,780 Crores of Q3 FY’15
Operating Profits for Q3-FY’16 stood at Rs.1,409 Crores compared to Rs.1,865
Crores of Q3-FY’15.
The Bank has posted net loss for the December 2015 quarter of Rs.1,506 Crores
as compared to a net profit of Rs.173 Crores for Q3 FY ’15.
Total provisions (other than taxes) increased from Rs.3,238 Crores to Rs.3,604
Crores, on sequential quarter basis.
The capital adequacy of the Bank in terms of CET1, Tier I and CRAR as per
BASEL III guidelines stood at 7.00%, 7.88% and 11.28% respectively. Net Interest Margin (Domestic) stood at 2.23% for the quarter Q3-FY ’16, as
against 2.77% for September 2015 quarter.
Bank has recorded a combined recovery and upgradation of Rs.2,393 Crores
during the quarter ended 31St December, 2015.
Profits & Profitability for 9 months ended December 2015 (F.Y. 2015-16) :
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Other Developments:
Bank’s Domestic network distributed to 4984 Branches, 7787 ATMs and 37
Extension Counters, with increase of 92 Branches and 1016 ATMs over
31.03.2015.
Debit Cards base increased to 332.88 Lakhs as of Dec’15 from 273.79 Lakhs as
of Mar’15.
Internet Banking users (Retail) increased to 32.68 Lakhs from 29.85 Lakhs as of
Mar’15.
e-Galleries increased to 486 in Dec’15 from 412 in Mar’15
Growth in Key Sectors:
Retail Credit stood at Rs.35,453 Crores as of Dec’15, register ed a y-o-y growth
of 13.30%. MSME Credit stood at Rs.49,445 Crores as of Dec’15, register ed a y-o-y
negative growth of -4.89%.
Agriculture Credit stood at Rs.45,222 Crores as of Dec’15, register ed a y-o-y
growth of 15.77%.
Implementation of Social Security Schemes:
PMJDY (Pradhan Mantri Jhan Dhan Yojana):
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Performance During
Q3/9 Month : FY15-16
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2
Q3 FY16
Parameter Rs. CroreYoY
Growth %
Total Business 926,686 -1.48%
Total Deposits 528,772 -0.27%
Gross Advances 397,914 -3.04%
CASA deposits 123,907 11.47%
Priority Sector
Advances105,025 7.95%
MSME Advances 49,445 -4.89%
Retail Advances 35,453 13.30%
Ratios for Q3 FY16
Parameter (in %)
Gross NPA 9.18%
Net NPA 5.25%
Provision Coverage Ratio54.50%
(52.40 % in Mar-15)
CASA (%) 32.26%(29.48 % in Mar-15)
NIM (9 mths) Global
Domestic
2.13
(2.11 in Mar-15)
2.52
(2.49 in Mar-15)
Cost to income Ratio 55.85
Capital Adequacy (Basel-III) 11.28%
- CET1 (%) 7.00%
-Tier- I 7.88%
PERFORMANCE AT A GLANCE
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Business Mix
(Deposits +
Advances)
Dec 14 Mar 15 Jun 15 Sep15 Dec 15
Y-O-Y
Growth
%
Global Business 940,623 943,633 903,874 920,980 926,686 -1.48%
Domestic 672,225 687,515 657,346 668,421 669,816 -0.36%
Foreign 268,398 256,118 246,528 252,559 256,870 -4.30%
Global Deposits 530,213 531,907 508,260 525,195 528,772 -0.27%
Domestic 396,122 398,000 376,360 389,864 391,480 -1.17%
Foreign 134,091 133,907 131,900 135,331 137,292 2.39%
Global Advances 410,410 411,726 395,614 395,785 397,914 -3.04%
Domestic 276,103 289,515 280,986 278,557 278,336 0.81%
Foreign 134,307 122,211 114,628 117,228 119,578 -10.97%
Business Growth
( `.in Crores)
3
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111,161 114,386115,737
119,513
123,907
Dec. 14 Mar.15 Jun. 15 Sep. 15 Dec. 15
CASA - Domestic
Savings Deposit
YoY Growth:12.39 %
Current Deposit
YoY Growth:7.51 %
CASA
YoY Growth:11.47%
CASA Profile
4
90,182
96,389 96,361
100,790 101,352
Dec.14 Mar.15 Jun.15 Sep.15 Dec.15
Saving Deposits
( `. in Crores)
CASA Ratio:
32.26%
20,979
17,997
19,37618,723
22,555
Dec.14 Mar.15 Jun.15 Sep.15 Dec.15
Current Deposits
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Key Sectors – Domestic Credit
Industry Dec 14 Mar. 15 Jun 15 Sep 15 Dec15
% to Domestic
Credit
DEC 14 DEC 15
Agriculture* 39,063 40,495 43,261 44,846 45,230 14.15 16.25
MSME(Priority & Non-
Priority)
51,989 49,137 47,816 47,923 49,445 18.83 17.76
Retail 31,290 34,153 33,582 34,938 35,453 11.33 12.74
Corporate & Others 153,761 165,730 156,327 150,850 148,208 55.69 53.25
Total 276,103 289,515 280,986 278,557 278,336
(` in Crores)
5*Old definition as per RBI till March,2015 . New definition from June,2015
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Particulars Dec 14 Mar. 15 Jun 15 Sep.15 Dec15
Y-O-Y
Growth
%
%age to Domestic
Credit
Dec-14 Dec-15
Home Loan 15,821 16,664 16,992 17,973 18,448 16.60 5.73 6.63
Mortgage
Loan 3,709 4,144 4,234 4,422 4,658 25.59 1.34 1.67
Auto Loan 2,657 2,733 2,742 2,741 2,843 7.00 0.96 1.02
Education
Loan 2,883 2,918 2,960 3,076 3,122 8.29 1.04 1.12
Personal
Loan1,031 1,085 1,097 1,098 1,120 8.63 0.37 0.40
Others 5,189 6,609 5,557 5,628 5,262 1.41 1.88 1.89
Total 31,290 34,153 33,582 34,938 35,453 13.30 11.33 12.74
( ` in Crores)
Retail Credit
6
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Particulars Dec 14 Mar 15 Dec 15
Y-O-Y
( % )
Power 30836 33,386 33,643 9.10
a) SEBs 15,955 17,391 17,458 9.42
-DISTRIBUTION 7,877 8,670 8,192 4.00
-GENERATION 6,076 6,965 7,283 19.87
-TRANSMISSION 2,002 1,755 1,983 -0.95
b) Others 17,201 18,315 16,185 -5.91
Roads and ports 10,514 10,751 10,815 2.86
Telecom 1,050 927 956 -8.95
Other Infrastructure 3,869 3,952 4,355 12.56
Total 46,269 49,016 49,769 7.56
( `. in Crores)
Advances to Infrastructure Sectors
7*O/S in Distribution Companies & SEB also includes outstanding in Bonds
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Period Global
FY 12-13 8521
FY 13-14 6041
FY 2014-15 8202
FY 2015-16 ( Q1 ) 99
FY 2015-16 ( Q2 ) 201
FY 2015-16 ( Q3 ) 327
TOTAL RESTRUCTURED PORTFOLIO 31,576
Of Which a) Standard 17,270
b) NPA 14,306
(`. in Crores)
Restructured Assets
8
Total Global Standard Restructured Portfolio (As per RBI guidelines): Rs.11,148 crore
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Item Dec 14 Mar 15 Jun 15 Sep 15 Dec 15
CDR Restructuring 5,747 4,992 3,832 3,169 2,188
Domestic 5,473 4,693 3,689 3,023 2,054
Foreign 274 299 143 146 134
Other Restructuring 16,089 16,826 15,559 16,138 15,082
Domestic 14,777 15,487 14,226 15,655 14,642
Foreign 1,312 1,339 1,333 483 440
Total21,836
(5.32%)
21,828
(5.30%)
19,391
(4.90%)
19,307
(4.88%)
17,270
(4.34%)
Domestic 20,250 20,180 17,915 18,678 16,696
Foreign 1,586 1,638 1,476 629 574
(` . in Crores)
Standard Restructured Advances
9
Figures in () represents % to Gross Advances
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10
Sector wise breakup of Standard Restructured Advances(Domestic)-31.12.2015
(` . in Crores)
Sector Dec-14 Mar-15 Dec-15 YoY%
INFRA 8,675.40 8,829.11 8,732.17 0.65%
INFRA-POWER 5,465.59 5,749.88 6,869.28 25.68%INFRA-TELECOM 598.21 430.11 430.01 -28.12%
INFRA-ROADS & PORTS 1,601.97 1,635.89 1,037.71 -35.22%
INFRA-OTHERS 1,009.63 1,013.22 395.17 -60.86%
AVIATION 2,473.17 2,363.74 2,285.57 -7.59%
TEXTILES 1,022.76 872.63 758.27 -25.86%
ENGG 900.91 1,175.43 553.49 -38.56%
SUGAR 784.13 592.79 399.55 -49.05%
PHARMA 501.89 555.06 315.1 -37.22%STEEL 956.89 922 314.32 -67.15%
CEMENT 155.54 217.78 211 35.66%
EDUCATION 321.17 242.06 164.3 -48.84%
SERVICES 156.9 269.86 147.16 -6.21%
HOTELS 173.07 165.08 145.28 -16.06%
OTHER METAL 101.31 174.35 140.44 38.62%
PAPER 158.41 163.13 133.93 -15.45%
FOOD PROCESSING 250.22 259.73 128.89 -48.49% AGRICULTURE 149.03 122.34 102.53 -31.20%
RUBBER & PLASTIC 127.96 108.35 93.75 -26.73%
AUTOMOBILES 384.8 162.78 61.16 -84.11%
CHEMICALS 126.68 117.21 46.03 -63.66%
CERAMICS 128.02 47.52 44.96 -64.88%
SERVICE-TRANSPORT RELATED 317.24 334.57 33.05 -89.58%
CRE 329.7 40.4 27.48 -91.67%
OTHERS 2054.79 2444.52 1857.69 -9.59%Total 20,249.99 20,180.44 16,696.12 -17.55%
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11
Restructured Portfolio FY 2013-14 FY 2014-15FY 2015-16
(9 months)STD NPA TOTAL STD NPA TOTAL STD NPA TOTAL
Restructured as at April 1 17,640 3,783 21,423 18,870 4,466 23,336 20,180 8,057 28,237
Fresh Restructuring during
the FY4,397 1,016 5,413 5,223 1,104 6,327 459 159 618
Accounts slipped during FY -1,754 1,754 - -3,773 3,773 - -5943 5943 -
Closed during FY** 1,372 1,664 3,036 1,727 1,451 3,178 390 74 464
Change in outstanding -299 -165 -464 1,126 626 1,752 1977 -123 1854
Upgraded during the year 258 -258 - 461 -461 - 413 -413 -
Restructured as at March 31 18,870 4,466 23,336 20,180 8,057 28,237 16,696 13,549 30,245
** Includes accounts Sold to ARC/ Total restructured dues paid off, Restructured loan facility paid off .i.e. only CC facility remains.
Movement in Restructured Portfolio as on 31.12.2015
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Sale of Assets to ARCs
12
(`. in Crores)
Item FY 2013-14 FY 2014-15Q1
FY 2015-16
Q2
FY 2015-16
Q3
FY 2015-16
Net Outstanding of
Accounts sold4,743 2,844 64 3 58
Of which,
Prudential written off
(PWO) Accounts sold2,304 241 0 0 0
Existing Gross NPAs
sold1,375 1,575 64 3 58
SMA-2 1,064 1,028 0 0 0
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Item Dec-14 Mar-15 June-15 Sep-15 Dec-15
Gross NPA 16,694 22,193 26,889 29,894 36,519
Net NPA 10,061 13,518 15,789 16,466 19979
Gross NPA % 4.07 5.39 6.80 7.55 9.18
Net NPA % 2.50 3.36 4.11 4.31 5.25
Provision Coverage Ratio % 56.62 52.40 52.15 55.08 54.50
Asset Quality
13
(` . in Crores)
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(`. in Crores)
Movement of NPA (Q-o-Q) -Global
14
Item Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec2015
Opening Balance 14,127 16,694 22,193 26,889 29,894
Less :
Recovery 481255 468 799 870
Upgradation 206 478 1,193 1,459 1523
Write Off 102 315 178 989 789
Total reduction 789 1,048 1,839 3,247 3181
Add : Slippages 3,356 6,547 6,535 6,251 9806
Closing Balance 16,694 22,193 26,889 29,894 36519
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Sector Dec-14 Mar- 15 Dec-15
% to Sectoral Advances
Dec 14 Dec 15
Agriculture 1,020 1,204 2484 2.61 5.49
Industry 9,847 13,698 23082 8.29 19.35
Services 3,447 4,993 7449 3.96 9.51
Retail 365 350 673 1.17 1.90
Total 14,679 20,245 33688 5.32 12.10
` in Crores)
Sector wise NPA- Domestic
15
Domestic
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Dec 15
Particulars AFS HTM HFT Total
1. SLR Investments 26,302 79,381 25 1,05,708
Of Which:
Government Securities 26,302 79,381 25 1,05,708
Other Approved Securities 0 0 0 0
M Duration 4.35 4.58 8.02 4.52
2. Non SLR Investments 10,960 1,633 11 12,605
M Duration 4.01 4.05 0 4.01
Total 37,262 81,015 36 118,313
( `. in Crores)
Investments (Domestic) as on 31-12-2015
16
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17
Treasury has achieved Non Interest Income at the level of Rs 500.59 crores in Q3 of FY16.
Total size of Bank’s Domestic Investment as on 31st Dec, 2015 stood at Rs. 118,313
crore.
As on 31st Dec, 2015, the share of SLR-Securities in Total Investment is 89.35%.
The bank had 75.09% of SLR-Securities in HTM and 24.88% in AFS as on 31st Dec,2015.
The percent of SLR to NDTL as on 31st Dec, 2015 was at 26.91%.
The bank shifted SLR Securities worth Rs.18,223.41 Crore from HTM to AFS portfolio during
Q1 in FY16.
As on 31
st
Dec,2015, the modified duration of AFS Investment was 4.28% and that of HTMsecurities was 4.58 %.
In Q3, FY16 amount of Rs.143.98 Crore is provided towards additional depreciation on
Investments.
Performance of Treasury operations
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( `. in Crores)
Contribution of Treasury
18
ParticularsQuarter ended Y-O-Y
Variation %9 Months ended Y-O-Y
Variation %Dec. 14 Dec.15 Dec. 14 Dec. 15
Interest income on
Investment2,305 2,316 0.48 6,674 6,872 2.97
Profit from Sale ofInvestments
320 358 11.88 742 656 -11.59
Profit from Exchange
Transactions252 139 -44.84 466 471 1.07
Dividend Income 5.84 8.84 51.37 28.92 28.79 -0.45
Total Contribution(Income)
2,883 2,822 -2.12 7,910 8,028 1.48
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Particulars
Quarter endedY-O-Y
(%)
9 Months endedY-O-Y(%)
Dec. 14 Dec.15 Dec 14 Dec. 15
Interest Income 10,901 9937 -8.84 32,298 31295 -3.11
a. From Advances 8,013 7181 -10.38 23,644 23036 -2.57
b. From Investments 2,355 2370 0.64 7,024 6832 -2.73
c. From Other 533 386 -27.58 1,630 1427 -12.45
Interest Expended 8,121 7332 -9.72 23,801 22758 -4.38
a. On Deposits 7,337 6744 -8.08 21,404 20516 -4.15
b. On Borrowings 519 422 -18.69 1,718 1506 -12.34
c. Subordinated
Bonds & Others265 166 -37.36 679 736 8.39
Net Interest Income 2,780 2605 -6.29 8,497 8537 0.47
( `. in Crores)
Net Interest Income
19
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( `. in Crores)
Non-Interest Income
20
ParticularsQuarter ended Y-O-Y
Variation %9 Months ended Y-O-Y
Variation %Dec. 14 Dec.15 Dec. 14 Dec. 15
Commission, Exchange &
Brokerage378 339 -10.32 1,202 1033 -14.06
Profit from Sale ofInvestments
320 358 11.88 716 657 -8.24
Profit from Exchange
Transactions154 268 74.03 513 520 1.36
Recovery In W/o accounts 93 50 -46.24 242 156 -35.54
Other Non Interest Income 135 135 0.00 438 403 -7.99
Total Non-Interest Income 1,080 1150 6.48 3,111 2769 -10.99
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Profitability
21
Quarter ended Y-O-Y%
Variation
9 Months endedY-O-Y%
VariationParticulars Dec 14 Dec 15 Dec 14 Dec 15
1. Total Income 11981 11087 -7.46 35,409 34064 -3.80
a. Interest Income 10901 9937 -8.84 32,298 31295 -3.11
b. Non Interest Income 1080 1150 6.48 3,111 2769 -10.99
2. Total Expenditure 10116 9678 -4.33 29,348 29493 0.49
a. Interest expended 8122 7332 -9.73 23,801 22758 -4.38
b. Operating Expenses 1994 2346 17.65 5,547 6735 21.42
3. Operating Profit 1865 1409 -24.45 6,061 4571 -24.58
4. Net Profit 173 -1506 1,765 -2502
( `. in Crores)
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Provisions
22
Particulars
Quarter ended
Variation
9 Months ended
VariationDec 14 Dec 15 Dec 14 Dec 15
Operating Profit 1865 1409 -456 6061 4571 -1490
Provisions for
B&D 1338 3506 2168 2988 8660 5672
Standard Assets 161 -91 -252 314 -196 -510
NPV / Others 78 59 -19 185 -325 -510
Depreciation on Investment 4 130 126 -50 216 266Total Provisions before Tax 1581 3604 2023 3437 8355 4918
Taxation 111 -689 -800 859 -1282 -2141
Net Profit 173 -1506 -1619 1765 -2502 -4267
( `. in Crores)
N
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Dec 14 March 15 Dec 15
Particulars Global Global Global
Cost of Deposits 5.70 5.66 5.21
Yield on Advances 8.23 8.14 7.99
Yield on Investments 8.20 7.97 7.93
NIM 2.07 1.93 1.96
Cost to Income Ratio 51.67 64.05 55.85
N
Key Financial Ratios (Quarter ended )
23
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Particulars Dec 14 Mar 15 Dec15
Capital Adequacy - Basel III
CET1 Capital 24,103 26,091 24,580
AT1 Capital 3,914 3,618 3,085
Tier I Capital 28,017 29,709 27,665
Tier II Capital 10,501 9,289 11,948
Total Capital 38,518 38,998 39,613
Total Assets 614,961 618,698 614,743
Risk Weighted Assets 360,705 363,523 351,113
CRAR – CET1 (%) 6.68 7.18 7.00
CRAR – AT1 (%) 1.09 1.00 0.88
CRAR – Tier I (%) 7.77 8.17 7.88
CRAR - Tier II (%) 2.91 2.56 3.40
Capital Adequacy Basel III (%) 10.68 10.73 11.28
Capital Adequacy – Basel-III
24
( `. in Crores)
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1,865 1,891 1,896 1,934 1,943
1,305 1,317 1,322 1,335 1,341
814 821 824 827 832
851 863 865 867 868
4,835 4,892 4,907 4,963 4,984
Q3FY15 Q4FY15 Q1FY16 Q2FY16 Q3FY16
Rural Semi-urban Urban Metro
24,016
27,37929,290
31,59633,288
Q3FY15 Q4FY15 Q1FY16 Q2FY16 Q3FY16
Multiple Delivery Channels
Branch Expansion
Debit Card (‘000)
ATM Roll-Out
6,1696,771
7,479 7,716 7,787
Q3FY15 Q4FY15 Q1FY16 Q2FY16 Q3FY16
25
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Multiple Delivery Channels (cont’d)
Internet Banking Users - Retail (‘000)
Mobile Banking Users
26
310
412452 462
486
31.12.14 31.03.15 30.06.15 30.09.15 31.12.15
e-Galleries
2,832 2,9853,079 3,172
3,268
Q3FY15 Q4FY15 Q1FY16 Q2FY16 Q3FY16
84,00987,287 90,571
93,57496,235
Q3FY15 Q4FY15 Q1FY16 Q2FY16 Q3FY16
80,18788,195
93,568104,269
113,931
Q3FY15 Q4FY15 Q1FY16 Q2FY16 Q3FY16
Internet Banking Users - Corporate
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Performance Under Financial Inclusion
27
As on 30.09.2015 As on 31.12.2015
Particulars No. of Accts Amt. (Rs. Cr.) No. of Accts Amt. (Rs. Cr.)
PMJDY (Lacs) 92.27 808 100.18 985
Zero Balance Accts (Lacs) 42.60 - 36.20 -
OD Sanctioned (No.) 21787 6.58 22271 6.75
PMSBY (Lacs) 33.20 - 33.82 -
PMJJBY (Lacs) 12.18 - 12.38 -
APY (Lacs) 0.52 - 0.79 -
PMMY Shishu (Actual) 245,837 224.51 289,906 535.30
PMMY Kishor 23,635 438.55 44,022 813.32
PMMY Tarun 4,312 287.02 7,659 510.98
PMMY Total 273,784 950.08 341,587 1,859.62
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4353
58 66
104
Q3FY15 Q4FY15 Q1FY16 Q2FY16 Q3FY16
Financial Inclusion
28
3,4194,345
5,441
6,699
10,408
Q3FY15 Q4FY15 Q1FY16 Q2FY16 Q3FY16
BC Channel Transactions
1865 1885 18961934 1943
Q3FY15 FY15 Q1FY16 Q2FY16 Q3FY16
Rural Branches
22,57922,824 22,901 23,001 23,024
Q3FY15 Q4FY15 Q1FY16 Q2FY16 Q3FY16
Unbanked Villages Covered
72,987
82,91688,182
96,741 104,52
9
Q3FY15 Q4FY15 Q1FY16 Q2FY16 Q3FY16
65247060 7322
76207965
Q3FY15 Q4FY15 Q1FY16 Q2FY16 Q3FY16
FLCs – Outdoor activities undertakenRSETI – Candidates Trained A/cs through BC Channel
(Amt Rs. lacs)
(Amt. Rs.cr.)
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Central Govt./
State Govt.
70.13%
Mutual
Funds/UTI
0.79%
Financial
Institutions/Banks
0.28%
InsuranceCompanies
14.32%
FII & Other Foreign
Holding
5.33%
Bodies
Corporate
1.55%
Individuals /
Others
7.60%
Shareholding Pattern- 31.12.2015
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Financial Inclusion & Payment System Award by Elets Media at New Delhi at the hands of
Minister of Rural Development.
Awards & Recognition
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Bank received “PMJDY Excellence Award” from Honorable Union Minister
Bank received “Best MSME Bank” and “Best Bank for Operational Performance” awards.
Bank won IT excellence award by ETNOW and VMWare for effectively implementing
Virtualization in the Bank.
Bank received IBA Award for “Best Financial Inclusion Technology Initiative” from IDRBT.
Bank received “Best Bank” award for “use of Technology for Financial Inclusion among Large
Banks” for FY 2014-15 from IDRBT at the hands of Governor, RBI.
Bank received “Best MSME Banking Excellence Award” for “Best Performance in Micro Units
Development and Refinance Agency (MUDRA) loan” under Large Bank category from Hon’ble
Union Minister, Shri Piyush Goyal.
Bank has been rated by Economic Times as the “Second Most Trusted Brand” in India among
the PSU banks in 2015.
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THANK YOU!
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