Bank Financial Highlights for Q3 & 9M Ended December 2018
Check out the financial highlights for the third quarter and nine months ending December 2018 of a bank, including total business, deposits, advances, net profit, and more. Explore the bank's performance and key ratios to gain insights into its financial health.
Download Presentation
Please find below an Image/Link to download the presentation.
The content on the website is provided AS IS for your information and personal use only. It may not be sold, licensed, or shared on other websites without obtaining consent from the author. If you encounter any issues during the download, it is possible that the publisher has removed the file from their server.
You are allowed to download the files provided on this website for personal or commercial use, subject to the condition that they are used lawfully. All files are the property of their respective owners.
The content on the website is provided AS IS for your information and personal use only. It may not be sold, licensed, or shared on other websites without obtaining consent from the author.
E N D
Presentation Transcript
FINANCIAL HIGHLIGHTS FOR THE 3RD QUARTER & NINE MONTHS ENDED 31ST DECEMBER 2018
PERFORMANCE HIGHLIGHTS- Q3 & 9M 2018-19 Total Business of the Bank stood at Rs. 4,66,601 crore in December 31, 2018 as against Rs. 4,75,148 crore in December 31, 2017. Total Deposits stood at Rs. 2,95,419 crore in December 31, 2018 as against Rs. 2,95,446 crore in December 31, 2017. Gross Advances of the Bank stood at Rs. 1,71,182 crore in December 2018 as against Rs. 1,79,702 crore in December 2017. CASA percentage improved to 44.64 % in December 2018 as against 40.68 % in December 2017. High Cost Deposits stood at Rs 806 crore in December 31, 2018 as against Rs 1579 crore in December 31, 2017. Total Income for the quarter ended December 31, 2018 stood at Rs. 6329 crore as against Rs. 6590 crore for the quarter ended December 31, 2017. Operating Profit of the Bank stood at Rs 715 crore for the quarter ended December 31,2018 as against Rs 866 crore for the quarter ended December 31,2017 and Rs 509 crore for the quarter ended September 30,2018 Bank incurred Net Loss of Rs. 718 crore for the quarter ended December 31, 2018 as compared to Net Loss of Rs. 1664 crore for the quarter ended December 31, 2017 primarily due to higher NPA provisions for Rs 989 crores. Net-Interest Income of the Bank stood at Rs. 1816 crore for the quarter ended December 31, 2018 as against Rs. 1978 crore for the corresponding quarter ended December 31, 2017. Provision Coverage Ratio significantly improved to 69.52 % as on December 31, 2018 as against 62.49 % as on December 30, 2017 and 67.74 % as on December 31, 2017. CRAR under BASEL II is at 9.76 % with Tier I at 5.67 % whereas CRAR under BASEL III is 9.34 % with Tier I at 7.39 %. Government of India on 31.12.2018 has infused additional equity capital of Rs. 1678 crore into the Bank as part of the Recapitalization of PSBs, which will further help the Bank to improve its capital adequacy ratios. Net Interest Margin stood at 2.74 % in the quarter ended December 31, 2018 as compared to 3.06 % in the corresponding quarter as on December 31, 2017 . 2
PERFORMANCE HIGHLIGHTS- Q3 & 9M 2018-19 (Rs. in crore) Y-o-Y Growth (Q3 FY 19 o Q3 FY 18) (%) Q3 & 9M 17-18 FY Q1 Q2 18-19 Q3 & 9M 18-19 PARAMETERS 17-18 18-19 4,68,534 4,49,679 4,69,881 Total Business 4,75,148 4,66,601 (1.80) 2,93,595 2,96,671 2,95,692 Total Deposits 2,95,446 2,95,419 (0.01) Of which Core Deposits 2,92,819 2,83,315 2,94,891 2,93,867 2,94,613 0.25 Of which HighCost Deposits (% to total deposits) 776 (0.26) 13,356 (4.50) 801 (0.27) 1,579 (0.53) 806 (0.27) (48.95) Total Loans and Advances 1,74,940 1,53,008 1,74,189 1,79,702 1,71,182 (4.98) 1,11,879 93,792 1,07,826 Investments 1,02,017 1,18,287 13.75 59.59 51.57 58.91 CD Ratio 60.82 59.11 (2.89) 3
PERFORMANCE HIGHLIGHTS- Q3 & 9M 2018-19 (Rs. in crore) Y-o-Y Growth (Q3 FY 19 o Q3 FY 18) (%) Q3 9M FY Q1 Q2 Q3 9M PARAMETERS 17-18 17-18 17-18 18-19 18-19 18-19 18-19 26,659 5,905 6,197 Gross Income 6,590 20,357 6329 18431 (4.12) Gross Expenses 23,926 5,521 5,688 5,724 18,171 5614 16823 (1.96) Operating Profit 2,733 384 509 866 2,186 715 1608 (21.12) (5,105) (1,522) (924) Net Profit (1664) (2991) (718) (3164) (131.75) Net Interest Income 6,517 1,678 1,675 1,978 5,018 1816 5169 (8.92) Net Interest Margin 2.47 2.61 2.62 3.06 2.50 2.74 2.64 (11.68) 4
PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 BRANCH SEGMENTATION : AS ON 31ST DECEMBER, 2018 Total Branches 4666 Rural 1605 885, 19% Semi Urban 1346 1605, 34% Urban 830 830, 18% Metropolitan 885 1346, 29% ATMs 3887 USBs 0 Rural Semi-Urban Urban Metropolitan 5
BUSINESS 6
PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 Segment-wise Deposits (Rs. in crore) Y-o-Y Growth (Q3 FY 19 o Q3 FY 18) (%) Q3 & 9M 17-18 FY Q1 Q2 18-19 Q3 & 9M 18-19 Deposits 17-18 18-19 14,687 13,615 13,279 Current 13,271 14,702 10.78% 1,10,509 1,11,814 1,15,361 Savings 1,06,918 1,17,174 9.59% 1,25,196 1,25,429 1,28,640 Total CASA 1,20,189 1,31,876 9.72% 1,68,793 1,67,390 1,66,251 Core Term 1,73,678 1,62,737 (6.72) Total Core Deposits 2,93,989 2,92,819 2,94,891 2,93,867 2,94,613 0.25 850 776 801 High Cost 1,579 806 (95.90) Total Deposits 2,94,839 2,93,595 2,95,692 2,95,446 2,95,419 (0.01) 42.46 42.72 43.50 CASA % 40.68 44.64 8.87 7
PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 Loans and Advances Segment Wise (Rs. in crore) Y-o-Y Growth (Q3 FY 19 o Q3 FY 18) (%) Q3 & 9M 17-18 FY Q1 Q2 18-19 Q3 & 9M 18-19 PARTICULARS 17-18 18-19 Total Loans & Advances 1,79,702 1,77,484 1,74,940 1,74,189 171182 (4.98)) Corporate Credit 57,407 64,560 54,187 55,320 54061 (6.19) (% to total Loans & Advances) 31.95% 36.38% 30.97% 31.76% 31.58 (1.17) Agriculture 36,682 30,776 37,502 36,827 35304 (3.90) (% to total Loans & Advances) 20.41% 17.34% 21.43% 21.14% 20.62 1.02 MSME 39,175 34,025 35,045 33,741 33560 (16.73) (% to total Loans & Advances) 21.80% 19.17% 20.03% 19.37% 19.60 (11.22) 46,438 48,123 48,206 48,301 48,257 3.77 Retail (% to total Loans & Advances) 25.84% 27.11% 27.56% 27.73% 28.19% 8.33 - Housing 21,392 21,714 22,107 22441 8.90 20,444 - Education 3,965 3,998 4,001 4,067 - Others 22,766 22,314 22,193 21,927 8
PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 PRIORITY SECTOR LENDING (Rs. in crore) Y-o-Y Growth (Q3 FY 19 o Q3 FY 18) (%) Type of Advances Q3 & 9M 17-18 FY Q1 Q2 18-19 Q3 & 9M 18-19 17-18 18-19 Priority Sector Advances (% to ANBC) 80,851 (40.78 73,284 (44.00) 87,412 (39.49) 28,297 (42.15) 81,149 (42.16) 0.37% Agriculture (% to ANBC) 36,682 (18.50) 30,776 (18.48) 37,502 (18.70) 36,827 (19.80) 35,304 (18.34) (3.76) MSME (PS) (% to ANBC) 37,092 (18.71) 33,223 (19.95) 35,045 (14.95) 33,741 (17.28) 33,060 (17.18) (10.87) 9
PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 Performance of Retail Advances (Rs. in crore) Q3 & 9M FY Q1 Q2 Q3 & 9M Y-o-Y 17-18 17-18 18-19 18-19 18-19 Growth DESCRIPTION (Q3 FY 19 o Q3 FY 18) (%) HOUSING LOAN 20,444 21,392 21,714 22,107 22,441 9.77 EDUCATION LOAN 4,067 3,965 3,998 4,001 4,009 -1.43 CENT PERSONAL GOLD LOAN 808 793 776 755 715 -11.51 Cent Mortgage 8,690 8,980 8,836 8,734 8,593 -1.12 Cent Trade 5,118 5,471 5,256 5,422 5,400 5.51 Others 7,311 7,522 7,446 7,282 7,099 -2.90 Grand Total 46,438 48,123 48,026 48,301 48,257 3.92 10
PROFITABLITY 11
PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 PROFITABILITY (Rs. in crore) Y-o-Y Growth (Q3 FY 19 o Q3 FY 18) (%) Q3 9M FY Q1 Q2 Q3 9M PARAMETERS 17-18 17-18 2017-18 18-19 18-19 18-19 18-19 Gross Income 6,590 20,357 26,659 5,905 6,197 6329 18431 (4.12) Gross Expenses 5,724 18,171 23,926 5,521 5,688 5614 16823 (1.96) Operating Profit 866 2,186 2,733 384 509 715 1608 (21.12) Net Profit (1664) (2991) (5,105) (1522) (924) (718) (3164) (131.75) 12
PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 BREAK- UP : INTEREST INCOME (Rs. in crore) Y-o-Y Growth (Q3 FY 19 o Q3 FY 18) (%) Q3 9M FY Q1 Q2 Q3 9M PARAMETERS 17-18 17-18 17-18 18-19 18-19 18-19 18-19 Interest on Advances 14,478 3,317 3,328 3,796 11,080 33509 10004 (13.01) Interest on Investments 7,138 2,034 1,982 1,766 5,266 2101 6115 (15.94) Other Interest Income 362 336 127 465 2,058 325 1043 (43.08) Total Interest Income 24,036 5,685 5,692 6,027 18,404 5785 17162 (4.18) 13
PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 BREAK UP : NON INTEREST INCOME (Rs. in crore) Y-o-Y Growth (Q3 FY 19 o Q3 FY 18) (%) Q3 9M FY Q1 Q2 Q3 9M PARAMETERS 17-18 17-18 17-18 18-19 18-19 18-19 18-19 Non Interest Income 2623 213 512 563 1953 544 1269 (3.49) Of which: Profit on sale of investments 577 (264) 59 97 523 139 (66) 30.21 Commission/ Exchange 1262 259 301 356 877 282 842 (26.24) Recovery in written off a/cs 410 121 57 30 262 25 203 (20.00) Profit on Exchange Transactions 141 38 34 33 91 32 104 (31.25) 233 59 59 47 200 66 186 28.79 Others 26,659 5,905 6197 6590 20357 6329 18431 (41.24) Total Income 14
PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 BREAK-UP : INTEREST EXPENSES (Rs. in crore) Y-o-Y Growth (Q3 FY 19 o Q3 FY 18) (%) Q3 9M FY Q1 Q2 Q3 9M PARAMETERS 17-18 17-18 17-18 18-19 18-19 18-19 18-19 Interest on deposits 16,222 3,843 3,853 3824 3,877 12,265 11520 (1.38) Interest on Sub- ordinated debts 449 105 107 112 123 349 323 (9.82) Interest on borrowings/ refinance 843 66 50 31 49 772 146 (58.06) Total interest Expenses 17,519 4,014 4,010 3969 4,049 13,387 11993 (2.01) 15
PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 BREAK-UP : OPERATING EXPENSES (Rs. in crore) Y-o-Y Growth (Q3 FY 19 o Q3 FY 18) (%) Q3 9M FY Q1 Q2 Q3 9M PARAMETERS 17-18 17-18 17-18 18-19 18-19 18-19 18-19 3,984 966 1,016 1,068 3,070 1037 3019 (2.99) I.Establishment II. Other Optg. Expenses 2,423 541 662 607 1,716 608 1811 0.16 Total optg. Expenses 6,407 1,507 1,678 1,675 4,786 1645 4830 (1.82) 23,926 5,521 5,688 5,724 18,171 5614 16823 (1.96) Gross Expenses 16
PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 PROVISION (Rs. in crore) Q3 9M FY Q1 Q2 Q3 9M PARAMETERS 17-18 17-18 17-18 18-19 18-19 18-19 18-19 For NPAs (Including Restructured Assets) 10,543 (-951) 2,540 (-135) 1,849 (-220) 2868 (-198) 5510 (-376) 2077 (-5) 6466 (-360) On Standard Assets 7 (3) (19) (6) 45 (4) (26) Provisions on Investments 799 502 441 570 1134 (229) 714 (2791) (862) (550) Tax (897) (1481) (378) (1790) 266 (136) (68) Others (5) (31) (28) (232) Total Provision & Contingency 7,838 1,906 1433 2530 5177 1433 4772 Provision Coverage Ratio 63.31 66.42 67.74 62.49 62.49 69.52 69.52 17
PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 PROFITABILITY INDICATORS (%) Q3 9M FY Q1 Q2 Q3 9M PARAMETERS (%) 17-18 17-18 17-18 18-19 18-19 18-19 18-19 (1.61) (1.85) (1.11) Return on Assets (2.13) (1.25) (0.86) (1.27) Yield on Advances 8.31 7.39 7.38 8.35 8.67 7.51 7.42 Yield on Investments 7.16 7.17 7.10 7.17 7.21 7.18 7.14 5.53 5.25 5.25 Cost of Deposits 5.29 5.57 5.23 5.24 5.79 5.37 5.31 Cost of Funds 5.39 5.92 8.72 8.76 Cost to Income Ratio 70.10 79.71 76.74 65.91 68.64 69.70 75.03 18
ASSET QUALITY & CAPITAL STUCTURE 19
PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 NPA MOVEMENT (Rs. in crore) Q3 9M FY Q1 Q2 Q3 9M PARAMETERS 17-18 17-18 17-18 18-19 18-19 18-19 18-19 Gross NPAs: Opening Balance 27,251 38,131 38,778 31,641 27,251 37411 37411 17,072 2,937 2611 Add: Slippages 3,232 9,204 2456 8004 Less: Deductions 2,924 451 2734 1.Write Off 1,648 1,714 4069 7254 785 535 (115) 2.Upgradation 159 700 7 427 2,403 1,304 1,359 3.Recoveries 575 1,550 458 3121 4.Reduction due to sale 80 0 0 0 0 0 6,192 2,290 3,978 Total Deductions 2,382 3,964 4534 10802 38,131 38,778 37,411 Gross NPAs 32,491 32,491 35333 35333 20
PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 NPA MOVEMENT (Rs. in crore) ..contd. Q3 9M FY Q1 Q2 Q3 9M PARAMETERS 17-18 17-18 17-18 18-19 18-19 18-19 18-19 38,131 38,778 37,411 Gross NPAs 32,491 32,491 35333 35333 1,77,484 1,74,940 174189 Gross Credit 1,79,702 1,79,702 171182 171182 Gross NPA as % of Gross Advances 21.48 22.17 21.48 18.08 18.08 20.64 20.64 1,56,542 1,52,064 1,52,397 Net Advances 1,62,045 1,62,045 151267 151267 17,378 16,086 15,794 Net NPA 15,311 15,311 15605 15605 Net NPA as % of Net Advances 11.10 10.58 10.36 9.45 9.45 10.32 10.32 21
PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 SECTOR- WISE NPA (Rs. in crore) Q3 & 9M 17-18 FY Q1 Q2 18-19 Q3 & 9M 18-19 SECTOR 17-18 18-19 IRON & STEEL 5,111 4,986 4,107 4,311 4,513 ENGINEERING & MANUFACTURING 4,536 5,188 5,190 5,282 4,705 INFRASTRUCTURE 3,203 4,059 4,378 3,637 3,877 TEXTILES 2,535 2,660 2,742 1,457 1,121 CONSTRUCTION 1,097 1,717 1,721 1,943 1,537 POWER- GENERATION 2,108 3,404 3,240 3,166 2,822 GEMS & JWELLERY 738 1,164 1,162 1,093 515 OIL INDUSTRY 216 2,128 2,203 2,475 2,479 AVIATION 0 0 0 0 0 OTHERS 12,947 12,825 14,035 14,047 13,764 TOTAL 32,491 38,131 38,778 37,411 35,333 22
PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 SEGMENT WISE NPA (Rs. in crore) Q3 & 9M 17-18 FY Q1 Q2 18-19 Q3 & 9M 18-19 SECTOR 17-18 18-19 Agriculture (% to Sectoral Advances) 2,356 (6.63) 2,516 (7.36) 2,644 (7.92 2,717 (7.62) 2,788 (7.83) Industry (% to Sectoral Advances) 24,118 (30.70) 29,838 (37.78) 30,124 (40.48) 27,703 (37.61) 25,056 (33.88) Services (% to Sectoral Advances) 3,860 (20.14) 3,642 (15.57) 3,630 (14.91) 4,462 (26.93) 4,356 (32.75) Retail (% to Sectoral Advances) 2,157 (4.64) 2,135 (4.44) 2,380 (4.95) 2,529 (5.23) 3,133 (6.48) Others (% to Sectoral Advances) 0 0 0 0 0 Total 32,491 38,131 38,778 37,411 35,333 23
PERFORMANCE HIGHLIGHTS- Q3 FY 2018-19 RESTRUCTURED ASSETS (Amount Rs. in crore) Below Rs 1 Crore 1 Cr. & Above Total No of A/Cs DETAILS OF RESTRUCTURED ACCOUNTS No of A/Cs AMOUNT (Rs in Cr) No of A/Cs AMOUNT (Rs in Cr) AMOUNT (Rs in Cr) SL Total Restructured Assets position as on 31.12.2018 15648 628.02 111 5916.74 15759 6544.76 1 2714 62.99 2809 5085.35 2 - Of which NPA 95 5022.36 Net Standard Restructured as on 31.12.2018 12934 565.03 16 894.38 12950 1459.41 3 % of Net Standard Restructured Advances Portfolio to Total Loans & Advances as on 31.12.2018 0.52% 0.33% 0.85% 5 Fresh addition in Total Restructured Assets in Q3 FY 2018-19 11136 504.73 0 0 11136 504.73 6 24
PERFORMANCE HIGHLIGHTS- Q3/FY 2018-19 RESTRUCTURED ASSETS ( Rs. IN CRORES) Total Restructured Assets CDR Non-CDR POSITION AS ON No. of A/Cs No. of A/Cs No. of A/Cs Amt. Amt. Amt. 40 4784 6816 5112 DECEMBER 2017 6856 9896 33 3671 5524 4565 MARCH 2018 5557 8236 JUNE 2018 5253 7731 29 3396 5224 4335 SETEMBER 2018 4860 6552 26 2711 4834 3841 DECEMBER 2018 15759 6545 23 2230 15736 4315 25
PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 Shareholding Pattern 31st December 2018 Government of India 88.02 Bank & FI s (Including Life Insurance Corporation of India) 8.87 FII s 0.31 Insurance Cos. (Other than LIC) 0.22 Other Body Cos. 0.91 Public (Resident Individuals & HUF) 1.44 NRIs 0.03 Others 0.20 26
PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 CAPITAL ADEQUACY (%) Q3 & 9M 17-18 FY Q3 & 9M 18-19 17-18 BASEL II CRAR Tier I Tier II 8.37 9.46 9.76 4.54 5.50 5.67 3.83 3.96 4.09 BASEL III CRAR CET 1 7.87 9.04 9.34 5.87 7.01 7.39 AT 1 -- -- -- Tier I 5.87 7.01 7.39 Tier II 2.00 2.03 1.95 27
PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 Overall status implementation of PMJDY as on 31-12-2018 Sr. No. Items Progress Total : 1,26,20,980 Rural : 1,03,23,388 Urban: 22,97,592 1. Total No. of Accounts opened Out of (1) Aadhaar seeded account 1,00,90,458 2. Out of (1) No. of RuPay Debit Card issued 1,18,06,6000 3. O/S Balance in these accounts (Rs.) Rs. 2654.74 crores 4. 7923 5. SSA Allotted to our Bank Covered through Branch--1536 Covered through BC--------6387 Total SSA Covered ----------7923 6. SSA Coverage 28
