analyst presentation 31032011 final

8/6/2019 Analyst Presentation 31032011 FINAL

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Relationship beyond banking 1


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Relationship beyond banking


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Awards & AccoladesAwards & Accolades

5


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NewNew IntiativesIntiatives

6


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ITIT IntiativesIntiatives

7


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Promoter(GOI),

65.86%FIs/Banks, 0.21%

Insurance Cos,

10.43%

Mutual Funds,

1.85%

Corporate

Bodies, 1.37%

NRIs/FII, 14.72%Indian Public,

5.56%Mar-11

Promoter(GOI)

Is/B sI s r ce Cos

t s

Cor or te Bo es

NRIs/ II

I P b c

Investor ProfileInvestor Profile-- Shareholding Pattern (%)Shareholding Pattern (%)

8


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Global FootprintsGlobal Footprints Foreign Branches of the BankForeign Branches of the Bank

Japan (Tokyo & Osaka)

Phnom Penh

SingaporeJakarta

Ho Chi MinhHong KongKowloon

Shenzen

Joburgh (SA)

Kenya (Nairobi, Mombasa,Ind Area & Westlands)

Europe-France (Paris)

-Belgium (Antwerp)

UK (London + 7branches)

Channel Islands

USA (New York & SFO)

West Indies- Cayman Islands

Tanzania(Subsidiary)

Dubai

9


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Strategic InvestmentsStrategic Investments -- All iances & Jt. VenturesAlliances & Jt. Ventures

10


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Strategic InvestmentsStrategic Investments -- All iances & Jt. VenturesAlliances & Jt. Ventures

11


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Credit RatingCredit Rating -- International & DomesticInternational & Domestic


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HighlightsHighlights


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Major Business ParametersMajor Business Parameters

14

Quarter ended

Mar-10 Jun-10 Sep-10 Dec-10 Mar -11

Business Mix 4,010,788 4,104,927 4,254,479 4,452,795 5,150,401

Deposits 2,297,619 2,336,678 2,410,711 2,525,257 2,988,858

Advances 1,713,169 1,768,249 1,843,768 1,927,538 2,161,543

Operating Profit 12,754 14,106 13,796 13,888 12,053

Net Profit 4,279 7,251 6,168 6,532 4,936

NIM (%) 2.57 2.89 2.81 3.09 2.94

Gross NPA (%) 2.85 2.71 2.64 2.36 2.23

Net NPA (%) 1.31 1.18 1.14 0.88 0.91

Return on Assets(%) 0.65 1.05 0.87 0.89 0.61

Rtn. on Equity (%) 13.74 22.63 18.29 18.50 13.19

Book Value (INR) 236.84 250.63 262.36 274.78 283.24


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Domestic Deposits (CASA)

5 1 3 ,3 3 4 527,663567,141

618,430648,993

680,678 692,872731,385

3 9 4 ,1 8 7 418,180441,295

477,680506,541

5 4 1 ,5 3 2 556,665587,218

119,147 109,483 1 2 5 ,8 4 6140,750 142,451 139,146 136,207 144,167

0

10 0,000

200,000

300,000

400,000

500,000

60 0,000

70 0,000

80 0,000

Jun-09 Sep-09 Dec-09 Mar-10 Jun-10 Sep-10 Dec-10 Mar-11

CASA

SB

CD

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METRO1571.85

62%

URBAN

424.09

17%

SEMIURBAN

271.70

11%

RURAL

261.99

10%

Mar'11

Domestic Deposits Category-wise

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361.23 510.07

1,351.941,651.471713.17

2161.54

0

1000

2000

3000

March'10 March'11

FOREIGN INDIAN GLOBAL

Gross Advances

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METRO

1153.6

70%

URBAN

246.8

15%

SEMIURBAN

116.02

7%

RURAL

135.02

8%

Mar 11

Domestic Advances Category Wise as on 31.03.2011

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Key Sectors(Domestic Credits)

Mar-10 Mar-11 % Y-o-Y

Growth

Agriculture 182,560 227,380 24.55

SME (Priority & Non Priority) 295,680 355,860 20.35

Retail Credit 157,500 166,480 5.70

Corporate 716,200 901,750 25.90

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Major Industry-wise Advances - Domestic

21

Mar-10 June-10 Sep-10 Dec-10 Mar-11YoY

Growth %

Textiles 59,200 59,210 61,820 63,690 71,700 21.12

Chemicals & Chemicalproducts

38,360 37,350 38,840 39,240 43,790 14.16

Rubber, Plastic & their

products12,820 13,670 15,550 16,160 18,730 46.10

Basic metal & metal

products84,210 91,260 91,450 93,390 104,860 24.52

Vehicles, vehicle parts

& Transport

equipment17,890 14,900 22,360 23,340 23,600 31.92

Gems & Jewellery 23,210 22,930 25,470 25,530 28,110 21.11

Infrastructure 164,950 190,880 200,610 200,980 204,040 23.70

Other Industries 143,130 146,650 116,720 122,570 143,280 0.10


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Advances to Sensitive Sectors - Domestic

22

SECTORMAR-10 JUNE-10 SEP-10 DEC-10 Mar-11

% of Total

Advances

Total Advances 1,351,940 1,393,591 1,446,963 1,509,030 1,651,472 100%

REAL ESTATE 182,153 194,960 177,350 194,974 203,623 12.33%

Out of w ic

HOUS

OA71,500 84,500 74,490 75,610 74,783 4.53%

MO T A

OA17,210 16,590 15,770 15,190 14,950 0.91%

COMML.

REALESTATE 59,962 52,790 47,010 47,013 40,546 2.46%

Ot ers(I vest

& I direct)33,461 41,080 40,800 58,540 73,344 4.44%

CAPITAL

MARKET33,204 33,015 30,600 33,044 32,451 1.97%


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Overseas Advances - Breakup

* Others include Staff Loans,Bills discounted for other banks, syndication/ECB loans,

FCTL, etc.

Mar-10 Mar-11

TRA E 31,896.3 43,294.7

MA U ACTURING 51,960.8 56,487.3

REAL ESTATE 10,941.8 10,335.4

LOAN AGAINST EPOSITS 7,450.6 10,367.2

BUYERS CREDIT 180,430.0 287,181.3

OTHERS * 78,549.7 102,405.1

TOTAL 361,229.2 510,071.0

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Domestic oreign Global

>10Mn < 10Mn Total Amount Amount Amount

As on 31.03.2010 74,750 17,110 91,860 14,267 106,127

Additions during Q1 3,020 - 3,020 - 3,020

LessRe ayment in

Restructured a/cs

-3,730 -4,130 -7,860 -7,860

As on 30.06.2010 74,040 12,980 87,020 14,267 101,287

Additions during Q2 3,266 192 3,458 - 3,458

LessRe ayment in

Restructured a/cs

-4,421 - -4,421 -4,421

As on 30.09.2010 72,885 13,172 86,057 14,267 100,324

RESTRUCTURED ACCOUNTS

Includes all facilities of the borrowers

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Domestic oreign Global

>10Mn < 10Mn Total Amount Amount Amount

As on 30.09.2010 72,885 13,172 86,057 14,267 100,324

Additionsduring Q3 6,967 220 7,187 7,187

LessRe ayment in

Restructured a/c s / Exc ange

fluctuation

-2,322 0 -2,322 - 1,709 -4031

As on 31.12.2010 77,530 13,392 90,922 12,558 103,480

Additionsduring Q4 5,108 2,297 7,405 - 7,405

LessRe ayment in

Restructured a/c s

-3,965 -238 -4,203 - 236 -4,439

As on 31.03.2011 78,673 15,451 94,124 12,322 106,446

RESTRUCTURED ACCOUNTS (Contd)

Includes all facilities of the borrowers

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MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS

Domestic oreign Global % of Total

Restructured

A/cs

>10Mn < 10Mn Total

Amount

Amount Amount

As on 31.03.2010 16,154 1,507 17,661 - 17,661 16.64

Additions during Q1 718 69 787 - 787

LessRe ayment in

Restructured a/c s1,092 101 1,193 - 1,193

As on 30.06.2010 15,780 1,475 17,255 - 17,255 17.01

Additions during Q2 2,430 227 2,657 - 2,657

LessRe ayment in

Restructured a/c s507 189 696 - 696

As on 30.09.2010 17,703 1,513 19,216 - 19,216 19.15

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MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS (Contd)

27

Domestic oreign Global % of Total

Restructured

A/cs

>10Mn < 10Mn Total

Amount

Amount Amount

As on 30.09.2010 17,703 1,513 19,216 - 19,216 19.15

Additions during Q3 252 24 276 - 276

LessRe ayment in

Restructured a/c s /

Exc ange fluctuation

1,428 575 2,003 - 2,003

As on 31.12.2010 16,527 962 17,489 - 17,489 16.90

Additions during Q4 972 326 1,298 - 1,298

LessRe ayment in

Restructured a/c s614 35 649 - 649

As on 31.03.2011 16,885 1,253 18,138 - 18,138 17.04


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Sector-wise breakup of restructured accounts (>10 Mn)

(Domestic) in Q4

28

SECTOR AMOUNT

AGRICULTURE 141

CEMENT 255

CHEMICALS 902

HOTEL 973

INFRASTRUCTURE 273

MISC 261

OTHERMETAL 262

STEEL 293

SUGAR 341

TEXT 1071

TRADING 336


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Restructured A/Cs Slipped (>Rs.10 Mn) (Domestic)

29

June 09 Sep 09 Dec 09 Mar 10 June 10 Sep 10 Dec 10 Mar 11

Number of

Accounts

slipped during

Quarter

7 34 24 34 6 19 6 13

Amount in

INR/Mn

730 8,390 3,600 3,430 718 2,430 252 972


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Sector-wise breakup of restructured accounts Slipped

(>10 Mn) (Domestic)

30

Industry Amount

AGRICULTURE 14.73

CHEMICALS 14.42

ENGINEERING 102.86

INFRASTRUCTURE 281.87

MISC 57.86

SERVICES 354.17

STEEL 87.71

TEXTILES 11.94

TRADING 46.59

TOTAL 972.13


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Sector-wise breakup of restructured accounts Slipped to

NPA (>10 Mn) (Domestic)

31

S.No Sector Qtr

Jun10

Qtr

Se 10

Qtr

Dec10

Qtr

Mar11

1 AGRICULTURE 0 0 18 15

2 CHEMICALS 382 416 0 14

3 CRE 0 33 0 04 ENGINEERING 100 18 17 103

5 INFRASTRUCTURE 0 51 0 281

6 MISC 236 754 59 58

7 PAPER & PAPERPRODUCTS 0 17 0 0

8 SERVICES 0 211 0 354

9 STEEL 0 0 0 88

10 TEXTILES 0 910 0 12

11 TRADING 0 20 158 47

AGGREGATE 718 2430 252 972


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NPA Ratio

1 89

2 61 2 6

2 85

2 1 2 64 2 36 2 23

0 841 08 1 03

1 31 1 18 1 140 9 0 91

0

1

2

3

Jun 09 Sep 09 Dec-09 Mar-10 Jun-10 Sep-10 Dec-10 Mar-11

Gro P %

et P %

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Mar-10 June-10 Sep-10 Dec-10 Mar-11

GrossNPA 48,826 47,945 48,696 45,421 48,116

Net NPA 22,074 20,612 20,704 16,603 19,450

Gross NPA % 2.85 2.71 2.64 2.36 2.23

Net NPA % 1.31 1.18 1.14 0.88 0.91

Provision Coverage

Ratio %

65.51 68.32 70.03 74.52 72.18

NPAs

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NPA Movement

Mar-10 Mar-11

Indian Foreign Global Indian Foreign Global

Opening GrossNPA 21,897 2,812 24,709 44,812 4,015 48,826

Total Reduction 15,280 408 15,688 27,076 1,059 28,135

Recovery 6,037 179 6,216 8,721 232 8,953

Upgradation 1,814 221 2,035 10,141 237 10,378

Write-off 7,429 8 7,437 8,214 590 8,804

Slippages 39,967 1,649 41,616 27,500 1,622 29,122

Net

Addition/Reduction 24,687 1,241 25,928 424 563 987

GrossNPA 46,584 4,053 50,637 45,236 4,578 49,813

Less Unrealised

Interest on NPA1,772 38 1,809 1,670 27 1,697

Closing Gross NPA 44,812 4,015 48,826 43,566 4,551 48,11634


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NPA Sequential Movement

Mar-10 June-10 Sep-10 Dec-10 Mar-11

Opening Gross NPA 41870 48,826 47,947 48,696 45421

Total Reduction 7,668 6,907 6,694 7,813 6,721

Recovery 2,066 2,4151,851 2,076 2,611

Upgradation 485 2,090 1,153 6,109 1,026

Write-off 5,117 2,402 3,690 -372 3,084

Slippages 15,026 6,180 8,184 4,765 9,993

Net Addition/Reduction7,358 727 -1,489 3,048 -3,272

Gross NPA 49,228 48,099 49,436 45,648 48,693

Less Unrealised Interest

on NPA402 153 740 227 577

Closing Gross NPA 48,826 47,947 48,696 45,421 48,116

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Mar-10 June-10 Sep-10

Indian Foreign Global Indian Foreign Global Indian Foreign Global

Closing Gross

NPA 44,812 4,015 48,826 43,869 4,077 47,947 44,232 4,464 48,696

Total Nettable

Credits 24,023 2,728 26,751 25,882 2,817 28,699 26,486 2,914 29,400

NPAProvision 19,265 2,728 21,993 19,838 2,817 22,655 18,768 2,899 21,667

Other credits 4,758 - 4,758 6,044 - 6,044 7,718 15 7,733

Net NPA 20,789 1,286 22,075 19,360 1,260 20,620 19,139 1,565 20,704

Gross NPA

Ratio (%) 3.31 1.11 2.85 3.15 1.09 2.71 3.06 1.13 2.64

Net NPA Ratio(%) 1.57 0.36 1.31 1.42 0.34 1.18 1.35 0.40 1.14

Provision

Coverage

Ratio (%)65.34 67.96 65.51 68.27 69.13 68.32 70.38 64.93 70.03

NPA Ratios

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Dec-10 Mar- 11


Closing Gross NPA 40,982 4,438 45,421 43,566 4,551 48,116

Total Nettable Credits27,307 3,200 30,507 25,482 3,184 28,666

NPA Provision 19,556 3,185 22,741 19,064 3,184 22,248

Other credits 7,751 15 7,766 6,418 0 6,418

Net NPA 15,348 1,254 16,603 18,392 1,367 19,450

Gross NPA Ratio (%) 2.72 1.06 2.36 2.64 0.89 2.23

Net NPA Ratio (%) 1.04 0.30 0.88 1.13 0.27 0.91

Provision Coverage Ratio (%) 74.72 71.74 74.52 71.87 69.98 72.18

NPA Sequential Ratios

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Sector wise Breakup of NPA - Domestic

Mar- 11 % of Total NPA

% of Total

Sectoral

Advances

Agriculture

6511.00 14.94 2.94Industry

16192.00 37.16 2.56

Services13714.00 31.48 2.29

PersonalLoans7149.00 16.41 4.30

DOMESTIC( TOTAL) 43566.00

FOREIGN4549.50

GLOBAL(TOTAL) 48115.50

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Overseas NPAs

Mar -10 Mar- 11

TRADE 1,786.9 2,018.7

MANUFACTURING 340.3 600.2

REAL ESTATE 1,173.6 1,222.1

OTHERS 713.6 708.5

TOTAL 4,014.4 4,549.5

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Profitability(Qtr sequential)

10 ,

12,06011 ,2

12,754

14,106 13 ,7

6 13 ,

12,053

5,

43

3,2334,055 4,27

7,251

6,168 6 ,532

4,

36

13 ,006

14,08914,948

15,517

17,405 17,761

19 ,86 9

23 ,073

0

5000

10000

15000

20000

25000

Jun 09 S

p 09

09

r 10 Jun 10 S

p 10

10

r 11

Operati Profit

Net Profit

N

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Profit Summary

41

QtrMar 2010

QtrJune 2010

QtrSep 2010

QtrDec2010

QtrMar 11

VariationY-o-Y (%)

1 Interest Earned 45,251 48,217 51,556 54,675 63,069 39.38

2 Interest Expended 29,734 30,812 33,795 34,806 39,996 34.51

3

Net Interest Income

(1 - 2) 15,517 17,405 17,761 19,869 23,073 48.69

4 Non-Interest Income 7,232 5,859 5,845 6,482 8,231 13.81

5

Total Operating Income

(3+4) 22,749 23,264 23,606 26,351 31,304 37.61

6 Operating Expenses 9,995 9,158 9,810 12,463 19,251 92.61

7 Operating Profit (5 - 6) 12,754 14,106 13,796 13,888 12,053 -5.50

8 Total Provision 8,475 6,854 7,628 7,356 7,117 -16.02

9 Net Profit 4,279 7,251 6,168 6,532 4,936 15.35


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Profitability (Y-o-Y)

IncomeYear ended

Y-o-Y %Mar 10 Mar 11

1. Total Income 204,946 243,935 19.02

a.Interest Income 178,780 217,517 21.67

b.Non Interest Income 26,166 26,418 0.96

2. Total Expenditure 157,899 190,093 20.39

a.Interest expended 121,220 139,410 15.01

b. Operating Expenses 36,678 50,682 38.18

3. Operating Profit 47,048 53,842 14.44

4. Profit before Tax 24,938 34,954 40.16

5. Profit After Tax 17,411 24,887 42.94

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Profit Geographical Distribution

Year endedY-o-Y %

Mar 10 Mar 11

Operating Profit

Global 47,048 53,842 14.44

Indian 41,607 46,280 11.23

Foreign 5,441 7,562 38.98

Provisions

Global 29,637 28,955 -2.30

Indian 27,151 26,347 -2.96

Foreign 2,486 2,608 4.91

Net Profit

Global 17,411 24,887 42.94

Indian 14,456 19,933 37.89

Foreign 2,955 4,954 67.65

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Net Interest Income

44

Qtr

Mar-10

Qtr

June-10

Qtr

Sep-10

Qtr

Dec-10

Qtr

Mar-11

Variation

Y-o-Y(%)

TOTAL INTEREST INCOME 45,250 48,217 51,555 54,675 63,069 39.38

INT. INCOME FROM

ADVANCES 32,752 34,919 36,598 40,234 43,252 32.06

INT. INCOME FROM

INVESTMENTS 11,932 11,776 13,071 12,750 14,119 18.33

OTHER INTEREST INCOME 566 1,522 1,886 1,691 5,698 906.71

TOTAL INTEREST EXPENDED 29,733 30,813 33,795 34,806 39,996 34.52

INT. EXPENDED ON DEPOSITS 26,068 27,498 29,160 29,879 35,249 35.22

INT. EXPENDED ONBORRROWINGS 1,660 1,251 2,065 2,473 2,340 40.96

INTEREST EXPENSES ON

SUBORDINATED DEBT etc. 2,005 2,063 2,570 2,454 2,408 20.10

NET INTEREST INCOME 15517 17,405 17,760 19,869 23,073 48.69


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Net Interest Income(Y-o-Y)

Particulars

Year endedVariation

Y-o-Y %Mar-10 Mar-11

Interest Income 178,779 217,517 21.67

a.From Advances 131,032 155,002 18.29

b.From Investments 44,643 51,717 15.85

c. Ot erInterest Income 3,105 10,797 47.73

Interest Expended 121,220 139,410 15.01

a. On Deposits 108,122 121,786 12.64

b. On Borrowings 5,556 8,129 1.46

c. SubordinatedBonds 4,665 6,350 36.12

d. Ot ers 2,877 3,146 9.35

Net Interest Income 57,559 78,107 35.70


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Non-interest Income

46

QtrMar-10

QtrJune-10

QtrSep-10

QtrDec-10

QtrMar- 11

Variation

Y-o-Y

(%)

Treasury:

PROFIT FROM SALE OF SECURITIES 661 999 360 592 1,266 91.53

PROFIT FROM EXCHANGE TRANSACTIONS 1,283 1,309 1,111 1,271 1,334 3.98

Sub Total (A) 1,944 2,308 1,471 1,863 2,600 33.74

Core-banking Operations:

COMMISSION / EXCHANGE / BROKERAGE 3,338 2,498 3,007 2,838 3,468 3.89

OTHER NON-INTEREST INCOME 1,015 684 1,065 1,124 1,244 22.56

Sub Total (B) 4,353 3,182 4,072 3,962 4,712 8.25

RECOVERY IN WRITTEN OFF ACCOUNTS (C) 935 369 301 658 919 -1.71

TOTAL NON-INTEREST INCOME (A+B+C) 7,232 5,859 5,845 6,483 8,231 13.81


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ParticularsYear ended Variation


Commission, Exchange & Brokerage 10,965 11,810 7.71

Profit from Sale of Investments 5,936 3,219 -45.77

Profit from Exchange Transactions 3,718 5,025 35.15

Recovery In W/o accounts 2,137 2,247 5.15

Other Non Interest Income 3,410 4,117 20.73

Total Non Interest Income 26,166 26,418 0.96

Core Non Interest IncomeNet of Treasury & Recovery in W/o Accounts

14,375 15,927 10.80

47

Non Interest Income(Y-o-Y)


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Operating Expenses - A break up

48

QtrMar-10

QtrJune-10

QtrSep-10

QtrDec-10

QtrMar-11

VariationY-o-Y

(%)

Payments to & Prov. forEmployees

5,986 5,738 6,031 8,369 14,616 144.17

Rent, Taxes & Lighting 638 619 700 722 728 14.11

Printing & Stationery 111 104 112 111 129 16.22

Advertisement &Publicity

316 21 83 145 337 6.65

Dep. on Bank's Property375 236 287 339 544 45.07

Auditors' Fees &Expenses

81 97 89 78 94 16.05

Law Charges 31 31 31 58 38 22.58

Postage, Telegram,

phones etc 130 80 86 93 140 7.69

Repairs & Maintenance 121 107 110 112 123 1.65

Insurance 432 468 459 474 484 12.04

Other Expenditure 1,773 1,656 1,821 1,962 2,018 13.82

TOTAL 9,995 9,158 9,809 12,463 19,251 87.91


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Operating Expenses (Y-o-Y)

49

ParticularsYear ended Variation


Payments to & Prov. for Employees 22,960 34,754 51.37

Rent, Taxes & Lighting 2,440 2,768 13.44

Printing & Stationery 386 457 18.39

Advertisement & Publicity 475 586 23.37

Dep. on Bank's Property 1,013 1,406 38.80

Auditors' Fees & Expenses 321 358 11.53

Law Charges 103 158 53.40

Postage, Telegram, phones etc 321 398

23.99

Repairs & Maintenance 438 453 3.42

Insurance 1,639 1.886 15.07

Other Expenditure 6,577 7,458 13.40

TOTAL 36,677 50,681 38.18


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Net Profit

50

Qtr

Mar-10

Qtr

June-10

Qtr

Sep-10

Qtr

Dec-10

Qtr

Mar-11

OPERATING PROFIT 12,754 14,106 13,796 13,888 12,053

TOTAL PROVISIONS 8,475 6,855 7,628 7,356 7,117

-PROVISIONFORNPA 6,600 3,078 2,863 1236 3,367

-PROVISIONFOR

INVESTMENTS1,061 5 628 658 78

-PROVISIONFOR

TAXATION

385 2,996 2,354 2,377 2,340

-OTHERPROVISIONS 429 776 1,783 3,085 1,332

NET PROFIT 4,279 7,251 6,168 6,532 4,936


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Net Profit (Y-o-Y)

51

Year ended

Mar 10

Year ended

Mar 11

Variation

Y-o-Y(%)

OPERATING PROFIT 47,048 53,842 14.44

TOTAL PROVISIONS 29,637 28,955

-PROVISIONFORNPA 17,542 10,543 -39.90

-PROVISIONFORINVESTMENTS 2,435 1,369 -43.78

-PROVISIONFOR TAXATION 7,528 10,067 33.73

-PROVISIONFOR STANDARD ASSETS 310 1,500 383.87

-PROVISIONFORFITL 900 -

-PROVISIONFORRESTRUCTURE 550 610 10.90

- FLOATINGPROVISION - 1,580- PROV.FORCLAIM AGAINST BANKS - 2,160

- DEBT WAIVER/DEBT RELIEF 80 560 600

-OTHERPROVISIONS 292 566 93.84

NET PROFIT 17,411 24,887 42.94

A i ti


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Appropriations

Mar 10 Mar 11

Statutory Reserve 4,500 6,250

Revenue Reserve 6,256 12,158

Capital Reserve 379 50

Special Reserve Currency Swap -11 - 14

Dividend (including dividend tax) 4,286 4,443

Special Reserve u/s Sec36(1) (viii) OF Income Tax Act,1961 2,000 2,000

TOTAL 17,410 24,887


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Cost & Yield Ratios Quarterly Comparison

53

Qtr Mar-10 Qtr June-10 Qtr Sep-10 Qtr Dec 10 Qtr Mar 11

INDIAN FOREIGN GLOBAL INDIAN FOREIGN GLOBAL INDIAN FOREIGN GLOBAL INDIAN FOREIGN GLOBAL INDIAN FOREIGN GLOBAL

Cost of

Deposits5.39 1.26 4.79 5.37 1.28 4.79 5.65 1.30 4.99 5.61 1.28 4.97 6.08 1.15 5.32

Yield on

Advances9.58 2.81 8.12 9.89 2.89 8.38

10.0

43.09 8.47 10.35 3.05 8.78 10.67 2.82 8.81

Yield on

Investments7.22 4.16 6.98 7.14 4.04 6.90 7.48 4.22 7.26 7.93 4.67 7.71 8.27 4.68 8.04

Yield on

Funds7.66 3.17 6.90 7.74 3.19 6.96 8.05 3.42 7.25 8.29 3.30 7.43 8.71 3.21 7.76

Cost of

Funds5.05 2.00 4.53 4.95 2.02 4.45 5.32 2.04 4.75 5.32 1.89 4.73 5.54 1.95 4.92

N.I.M. 3.01 0.96 2.57 3.29 1.20 2.89 3.17 1.37 2.81 3.49 1.45 3.09 3.38 1.24 2.94


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Mar 2010 Mar 2011


Cost of Deposits 5.79 1.62 5.16 5.69 1.25 5.03

Cost of Funds 5.42 2.17 4.84 5.13 1.90 4.57

Yield on Advances 9.77 3.29 8.42 10.25 2.96 8.62

Yield on Investments7.68 4.98 7.46

7.83 4.38 7.59

Yield on Funds 7.96 3.34 7.14 7.97 3.16 7.14

Interest Spread 2.54 1.17 2.30 2.84 1.26 2.56

Net Interest Margin 2.92 1.00 2.51 3.31 1.31 2.92

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Profit Ratios (Y-o-Y)


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2 83

3 08 3 11 3 013 29 3 17

3 49 3 38

1 070 87 0 82 0 96

1 201 37 1 45 1 24

2 422 57 2 6 2 57

2 89 2 813 09

2 94

0 00

0 50

1 00

1 50

2 00

2 50

3 00

3 50

4 00

un-09 Se -09 ec-09 Ma -10 un-10 Se -10 ec-10 Ma -11

omestic

Foreign

Global

55

Profit Ratios(Quarterly comparison)


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RatiosRatios Quarterly ComparisonQuarterly Comparison

Mar 10 June 10 Sep-10 Dec-10 Mar-11

Cost to Income Ratio 43.94 39.37 41.56 47.30 61.50

Non Interest income to

Operating Expenses 72.36 63.98 59.58 52.01 42.76

Asset Utilization Ratio 1.95 2.04 1.94 1.89 1.48

Return on Assets 0.65 1.05 0.87 0.89 0.61

Return on Equity 13.74 22.63 18.29 18.50 13.19

Earnings Per Share

(Basic & Diluted) 8.15 13.81 11.74 12.44 9.37

Book value per share 236.84 250.63 262.36 274.78 283.24

Net worth (Rs. in Mn) 124,560 131,811 137,979 144,511 154,995

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RatiosRatios (Y(Y--oo--Y)Y)

Year Ended

Mar-10

Year Ended

Mar-11

Cost to Income Ratio 43.81 48.49

Non Interest income to Operating Expenses 71.34 52.12

Asset Utilization Ratio 1.88 1.77

Return on Assets 0.70 0.82

Return on Equity 14.76 17.80

Earnings Per Share (Basic & Diluted) 33.15 47.35

Book value per share236.84 283.24

Net worth (INR/Mn) 124,560 154,995

Bus. per employee (INR/Mn) 101.1 128.4

Bus. per branch (INR/Mn) 1,239.4 1,463.6

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InvestmentsInvestments -- DomesticDomestic

58

Mar-10 Mar-11

AFS HTM HFT TOTAL AFS HTM HFT TOTAL

1 SLRINVESTMENTS 126,770 449,473 729 576,972 155,415 523,075 100 678,590

OFWHICH:

GOVERNMENTSECURITIES 125,139 446,443 729

572,311154,316 521,020 100 675,436

OTHERAPPROVEDSECURITIES 1,631

3,030 4,661 1,099 2,055 - 3,154

MDuration 4.45 5.34 6.68 5.14 1.96 5.54 7.24 4.72

2 NON SLRINVESTMENTS 41,318 8,697 47 50,062 135,419 10,680 13 146,112

MDuration 2.92 0.23 2.57 0.82 0.18 0.80

TOTAL 168,088 458,170 776 627,034 290,834 533,755 113 824,702


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Type of Investment Book Value Total Provision

G-Sec 19,694 -

Bonds /CLN Lehman Bros 1,397 1,397

Bonds-Others 10,827 1,162

CLN (Other issuers) 9,012 793

Total 40,930 3,352

InvestmentsInvestments ForeignForeign (Position as on(Position as on 31.03.2011)31.03.2011)

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Capital AdequacyCapital Adequacy Basel IIBasel II

60

31.03.2010 30.06.2010 30.09.2010 31.12.2010 31.03.2011

Tier I Capital 137,250 138,540 142,090 140,700 170,470

Tier II Capital 72,180 78,890 79,060 78,360 78,670

Total Capital 209,430 217,430 221,150 219,060 249,140

Total Assets 2,749,660 2,792,052 2,896,250 2,991,853 3,511,725

Risk Weighted

Assets 2,047,170 1,636,480 1,695,310 1,764,450 2,047,620

CRAR - Tier I (%)

8.48 8.47 8.38 7.97 8.33

CRAR - Tier II

(%) 4.46 4.82 4.66 4.44 3.84

CRAR (%) 12.94 13.29 13.04 12.41 12.17


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1,121 1,1171,156

1,2391,265 1,258

1,310

1,464

1000

1100

1200

1300

1400

1500

Jun-09 Sep-09 Dec-09 Mar-10 Jun-10 Sep-10 Dec-10 Mar-11

ProductivityProductivity

85 87 91101 101 103 108

128

0

100

Jun-09 Se -09 Dec-09 Ma -10 Jun-10 Se -10 Dec-10 Ma -11

61


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Way AheadWay Ahead

analyst presentation 31032011 final

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