Tandlum Suhash Nikunjesh Shah

ANDHRA BANK

HISTORY
Andhra Bank is one of the largest banks in India. It was founded by an eminent freedom fighter known as Dr. Bhogaraju PattabhiSitaramayya. The Bank was registered on 20th November 1923 andcommenced business on 28th November 1923 with a paid upcapital of Rs 1.00 lakh and an authorised capital of Rs 10.00lakhs in Machilipatnam. Andhra Bank was Nationalized on 15th April 1980 and moved its head quarter to Hyderabad.

CORPORATE IDENTITY
The Symbol of Infinity denotes a Bank that is prepared to do any thing, to go to any lengths, for the customer The Blue pointer on the top represents the philosophy of a Bank that is always looking for growth and newer directions. The Key hole represents Safety and Security The Chain indicates togetherness The colors Red and Blue denote dynamism and solidity

PRODUCTS: DEPOSITS

Deposit Schemes:

AB Savings Accounts AB Kiddy Bank: Minors in the age group of 10-18 yrs AB Abahaya Plus: it involves savings plus accidental insurance AB Easy Savings:No frills Account AB Abhaya SB A/C AB Current Accounts AB Term Deposits AB Arogyadaan Scheme AB Bancassurance Life AB Bancassurance (NonLife) Public Provident Fund(PPF) Senior Citizens Saving Scheme(SCSS)

PRODUCTS: RETAIL LOANS

Agricultural Loans Housing Loans

Vehicle Loans Educational Loans AB professional Loans Mortgage Loans Reverse Mortgage Loans

PRODUCTS: NRI

Deposits

SB NRE SB NRO RFC NREFD NROFD AB Lock Box Facility WUMT

Against NRE Deposits Against NRO Deposits Housing Loans Educational Loans Govt. Dated Sec. Bills Other Investments Investments in Immovable property

Remittances

Loans

Investments

PRODUCTS: MSME
Credit OTS Scheme

Schemes
Composite

Loan Scheme Term Finance Open Cash Credit(OCC) ACC(Artisans Credit Card)

PRODUCTS: AGRICULTURE

Short Term Agricultural Credit

Pattabhi Agri Cards AB Kisan Vikas Cards AB Kisan Rakshak AB Kisan Pragathi Rural Godowns AB Mahila Sowbhagya AB Self Help Group

Agrl. Term Credit

Women empowerment

Special Schemes

Agri Clinics AB Kisan Green Card

BRANCH NETWORK AND BUSINESS DELIVERY CHANNELS

Branch Mix
Branch Mix
Rural SemiUrban Urban 30% 28% Metro

Business Delivery Channel

Period Ending

2011 Branches 1640 25 1012

2012 1716

16% 26%

Extension Counters
ATMs

15

1063

Satelliete Offices
Total

38

38

2715

2832

SHARE HOLDING PATTERN-JUNE 2012

Share Holding Pattern
0.20% 13.20% Govern Ment of India General Public NRI/OCBS Private Corporate Bodies Mutual Funds and UTI Bank/FI/Insurance Cos FII Others

14.46% 0.69% 2.29% 0.19% 58%

10.97%

MILESTONES
Award for Best Performance under Kharif Loans Best Bank in lending to Agriculture Best Banker in lending to Unemployed Youth under Rajiv Yuva Sakthi SAFA award "BEST BANK AWARD" by IDRBT, Hyderabad. Ranked 683rd among Top 1000 Banks in the World 2nd Highest Mover in the World having climbed 277 places over previous year

MILESTONES

Ranked as the Top Number 1 Bank in Asia under the "Return onCapital" ISO 9001:2000 Certification has been awarded to two of o ur offices

STAFF COLLEGE DATA CENTRE at Department of Information Technology

Andhra Bank has emerged as BEST BANK MIDSIZE, with Rank 1, Size of Balance Sheet Rs.90,380 Crore, Net Profit Rs.1,050 Crore in Businessworld Pricewaterhousecoopers Survey for India's Best Banks 2010. Among the winners, HDFC Bank is Best Large Bank, Karur Vysya Bank is Best Small Bank, State Bank of India is Most Socially - responsible

MILESTONES
Andhra Bank has been awarded Editorial Board Roll of Honour in the Mid-sized Banks Category in the CNBC TV18 Best Bank and Financial Institution Awards for the year 2011 Andhra Bank has been awarded 'BEST BA NK - for the Quality of Assets " by BUSINESS TODAY for the year 2009'10 on 08.12.2010

FINANCIAL PERFORMANCE
Bank has achieved a Total Business of Rs.190535 cr as on March 12 from Rs.164 310cr as on March11 with a growth of 16% Deposits grew by 16.0% from Rs.91962 Crs as on 31st March 11 to Rs.105762 Cr as on 31st March12. Net profit jumps to Rs.1345 Cr with robust growth of 6.1%.

PERFORMANCE HIGHLIGHTS
Details 2010 Year Ending 2011 2012

Total Business
Aggregate Deposits Total Advances Investments Total Income Interest Income

134394
77356 56505 20881.00 7337 6372.87

164310
91962 72154 24203.99 9188 8291.28

190535
105762 84684 29628.91 12199 11338.73

Net Interest Income

Operating Profit

2194.74
1810

3220.97
2413

3759.32
2815

Net Profit NIM

1046 3.21

1267 3.80

1345 3.67

SPREAD MANAGEMENT
Particulars Interest Income 2010 11338.73 2011 2634.23 2012 3121.49

Interest Expenses

7579.41

1723.85

2183.00

Interest Spread

3759.32

910.38

938.49

FINANCIAL PERFORMANCE
Total Deposits rose to Rs. 59,390 crore A growth at 20.13% Operating Profit improved to Rs.431.80 cr. in Q4 (a growth of 37.90%) Interest Income during Q4 -2008-09 increased growth rate of 31.15% over Q4 of 2007-08. Net Interest Income grew by 21.45% Net Interest Margin (NIM) for the year was 3.03 %against 3.00% in the previous year

DEPOSIT-COMPOSITION
Type of Deposit 2011-2012

Current Deposit %Share

6327.15 6.00

Savings Deposit
%Share Term Deposit

21578.29
20.4 77856.54

%Share
Total

73.60
105851.22

ADVANCES
Sector Corporate and Mid Corporate 2011-2012 46419 YOY Growth% 14.53

%Share
MSME %Share Retail Credit %Share Agriculture %Share Other Sectors %Share Gross Bank Credit

54.81
13132 15.50 11301 13.34 12458 14.711 1373 1.6 84683 14.40 45.14 16.36 4.70 14.11

AMOUNT OF NPAS
Amount of NPAs
3.84% 0.039693884

9.34%

22.55%

60.30%

SubStandard Assets Doubtful-1 Doubtful-2 Doubtful-3 Loss

SEGMENT WISE NON-PERFORMING ASSETS

Segment Agriculture MSME Retail Credit Large and Corporate Credit Others Amount 369.85 425.56 322.46 590.86 89.28 % to Advances 2.97 3.24 2.85 1.26 4.97

NPA MOVEMENT
Parameter Gross NPAs Gross NPA% Net NPA% CRAR Composition 2010 488 .86 0.17 2011 996 1.38 0.38 2012 1798 2.12 0.91

Tier 1 Capital%
Tier 2 Capital%

8.18
5.75

9.68
4.70

9.02
4.16

KEY PERFORMANCE RATIOS

Performance Indicators Capital Adequacy Coverage Ratio Net NPAs to Net Worth CRAR Growth in Total Assets 4.78 10.11 14.38 32.00 20.54 5.71 4.22 5.41 2.17 13.18 14.75 Period Ending 2010 2011 2012

Management Quality

Productivity (lakhs)
BEMP PEMP (lakhs)

769.32
11.65 7.32

959.45

1153.88
12.62

8.99

8.91

KEY PERFORMANCE RATIOS

Performace Measures Asset Quality Net NPA as % of Net Advances G-Sec to Total Investments Standard Adv to Total Adv Net NPAs to Total Assets 0.17 94.55 99.14 0.11 0.38 93.87 98.62 0.25 0.91 90.21 97.88 0.60 Period Ended 2010 2011 2012

Earnings Return on Assets

Net Interest Margin

1.39
3.21

1.19
3.80

1.36
3.67

0.06

0.02

0.04

0.08

-0.08 0

-0.06

-0.04

-0.02

RETURNS

-0.1

0.1

1 7 13 19 25 31 37 43 49 55 61 67 73 79 85 91 97 103 109 115 121 127 133 139 145 151 157 163 169 175 181 187 193 199 205 211 217 223 229 235 241 247

Returns(Andhra Bank)

Returns (BANK INDEX)