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HIGHLIGHTS
JUNE 2009
1
PERFORMANCE HIGHLIGHTS FOR JUNE 2009
2
BRANCH NETWORK AND BUSINESS DELIVERY CHANNELS
Business
Delivery Mar 09 Jun 08 Jun 09
Channels
3
BUSINESS LEVELS
(Rs in crores)
Quarter Ended
% Growth
Details FY 08-09 (Jun 08
Jun 08 Jun 09
– Jun 09
Interest Income from Advances has shown a robust growth of 38.37% and Interest
Income from Investments increased by 3.71%.
4
DEPOSITS - GROWTH
(Rs in crores)
5
DEPOSITS - COMPOSITION
(Rs in crores)
Quarter Ended
Type of FY 08-09
Deposit
Jun 08 Jun 09
Current
5215.65 3698.13 4818.74
Deposits
Savings
13437.78 12618.16 13706.84
Deposits
Term
40736.59 32859.09 41843.20
Deposits
6
DEPOSITS - AVERAGE
(Rs in crores)
Quarter Ended
Type of FY 08-09
Deposit
Jun 08 Jun 09
7
ADVANCES
(Rs in crores)
Quarter Ended
SECTOR FY 08-09
Jun 08 Jun 09
Other Priority
11614 10682 11487
Sector
8
RETAIL CREDIT
(Rs in crores)
Quarter Ended
Category FY 08-09
Jun 08 Jun 09
Housing
Loans
2232 2032 2373
(Direct
Finance)
Educational
1446 1212 1489
Loans
Non Agl.
715 273 851
Gold Loans
Other Retail
1649 1458 1738
Credit
Total 6042 4975 6451
9
QUALITY OF LOAN ASSETS
Quality of Loan Assets as on 30.06.09 Quarter Ended
Asset Quality FY 08-09
Jun 08 Jun 09
Standard
99.17% 98.85% 99.20%
Assets
Sub-Standard
0.31% 0.36% 0.25%
Assets
10
NPA MOVEMENT
(Rs in crores)
Quarter Ended
PARAMETER FY 08-09
Jun 08 Jun 09
11
NON-PERFORMING ASSETS – YEARWISE MOVEMENT
FY 08-
368.14 0.83 79.22 0.18
09
Jun 08
392.82 1.15 35.13 0.10
(Q1)
Jun 09
359.08 0.80 99.62 0.22
(Q1)
12
PROVISION COVERAGE FOR NPAS & SLIPPAGE RATIO
Provision
Period Slippage
Coverage
Ended Ratio %
%
13
INVESTMENTS
(Rs in crores)
Net Investments
Quarter Ended
19000
17864.57 Particulars FY 08-09
18000
16911.11 Jun 08 Jun 09
17000
15939.52 Net
16000 16911.11 15939.52 17864.57
Investments
15000 Average
15953.00 15839.57 18144.09
14000 Investments
Yield on
8.84% 7.42% 6.65%
Investments
14
INVESTMENTS - COMPOSITION
(Rs in crores)
Quarter Ended
Type of Investments FY 08-09
Jun 08 Jun 09
Government
15215.03 14400.29 16076.20
Securities
Other Approved
96.40 117.90 82.33
Securities
Debentures and
989.40 824.44 783.39
Bonds
Subsidiaries and/ or
9.31 9.31 9.31
Joint Ventures
Others (IDBI
Deposits, IVPs, Units
435.46 392.14 791.54
of UTI & Mutual
Funds and RIDF
Total Investments
16911.11 15939.53 17864.57
(Net)
15
BREAK UP OF INVESTMENTS
(Rs in crores)
Quarter Ended
FY 08-09
Jun 08 Jun 09
Nature of
Investments
% of % of % of
Amt. Amt. Amt.
Total Total Total
SLR
15291 90.42 14478 90.83 16139 90.34
Securities
Non-SLR
1620 9.58 1462 9.17 1726 9.66
Securities
16
QUALITY OF INVESTMENT PORTFOLIO
17
NET PROFIT
(Rs in crores)
Quarter Ended
Particulars FY 08-09
Jun 08 Jun 09
18
PROFIT & LOSS ACCOUNT – SPREAD MANAGEMENT
(Rs in crores)
Quarter Ended
Interest Spread
1626.91 346.25 441.37
(NII)
NIM(On Earning
3.03% 2.74% 2.85%
Assets)
19
INTEREST INCOME
(Rs in crores)
Quarter Ended
Interest on FY 08-09
Jun 08 Jun 09
20
INTEREST EXPENSES
(Rs in crores)
Quarter Ended
FY 08-
Particulars 09
Jun 08 Jun 09
Interest on
3487.13 768.61 980.88
Deposits
Interest on Sub-
139.57 24.03 38.74
ordinate Debt
Interest on
121.01 18.47 43.64
Borrowings
21
PROFIT & LOSS ACCOUNT – NON-INTEREST INCOME
(Rs in crores)
Quarter Ended
A) Non-interest Income from Core FY 08-09
Operations
Jun 08 Jun 09
1) Commission & Exchange 195.11 45.06 41.36
22
NON-INTEREST EXPENDITURE
(Rs in crores)
Quarter Ended
Particulars FY 08-09
Jun 08 Jun 09
Establishment
624.06 140.65 211.39
Expenses
Other Operating
480.20 109.09 120.05
Expenses
Quarter Ended
Particulars FY 08-09
Jun 08 Jun 09
Income Tax 245 5 95
Dep./Loss on revaluation of
173 77 -129
Investments
Provision for NPAs 170 39 38
Provision against Standard
13 0 0
Assets
Depreciation on Tr. To HTM 9 9 78
Others 25 -3 10
Total 635 127 92
24
CAPITAL STRUCTURE
(Rs in crores)
TIER-II % OF TIER-
PERIOD TOTAL TIER-I
CAPITAL I TO TOTAL
ENDED CAPITAL CAPITAL
CAPITAL
Jun 08
4296.25 3183.34 1112.91 74.10%
(Q1)
Jun 09
6356.01 3908.96 2447.05 61.50%
(Q1)
25
CAPITAL ADEQUACY AND OTHER RATIOS
As Per As Per As Per
BASEL II BASEL I BASEL II
Ratio
Jun 08 Jun 09
FY 08-09
(Q1) (Q1)
Tier I Capital
8.67% 8.99% 9.07%
Ratio
Tier II Capital
4.55% 3.14% 5.68%
Ratio
Total Capital
13.22% 12.13% 14.75%
Ratio (CRAR)
Net Worth to
7.78% 9.76% 8.69%
GBC %
26
KEY RATIOS AND INDICATORS
Quarter Ended
Ratios FY 08-09
Jun 08 Jun 09
Cost of
6.96 6.52 6.79
Deposits %
Yield on
11.41 10.39 11.20
Advances %
Yield on
7.35 7.42 6.65
Investments %
27
KEY RATIOS AND INDICATORS
Quarter Ended
FY 08-
Ratios 09
Jun 08 Jun 09
Cost to Income
46.16 55.85 48.78
Ratio
Staff Cost as % of
Average Working 1.04 1.01 1.22
Funds
Other Operating
Expenses as % of
0.80 0.78 0.69
Average Working
Funds
Cost to Income Ratio has been improving continuously YoY and as on Jun 09, the ratio
improved from 55.85% to 48.78%.
28
EARNING RATIOS
Quarter Ended
Ratios FY 08-09
Jun 08 Jun 09
Return on Assets
1.09 0.56 1.48
(ROA) %
As on Jun 09, Earnings per Share improved from 6.40 to 21.13 and the Book value
improved from Rs.68.60 to Rs.80.48. Market Capitalization as on 30.06.2009 is
Rs.3979.45 crores.
29
PRODUCTIVITY RATIOS
(Rs in crores)
Quarter Ended
Ratios FY 08-09
Jun 08 Jun 09
Business Per
7.28 6.15 7.41
Employee
Business Per
72.50 60.73 72.71
Branch
30
SHARE HOLDING PATTERN – JUN 2009
Others 0.34
Total 100.00
31
RESTRUCTURED ACCOUNTS AS ON 30.06.2009
(Rs in crores)
3 Major 78 1429.98
Industries
4 Loans, 27977 307.22
Agricultural
Loans, Loans
given to Retail
Trade etc.
Total 58755 2361.15
Restructured
32
MONITORING OF RESTRUCTURED ACCOUNTS
33
34
BUSINESS STRATEGY - VERTICALS
The performance of the Bank is significant as a result of our attempt to transform it using the four
factors viz. technology, product, process and human resource management.
Organisational Restructuring by creating the following Verticals for hastening the decision making
process and defining Profit Centers with responsibility and accountability on Vertical Heads to
reach the set Goals.
• Priority Sector
• MSME
• Retail Credit
• Marketing
• Mid Corporate
• Large Corporate
• Branch Operations
• International Banking & Treasury
35
TECHNOLOGY INITIATIVES
36
EXPANSION INITIATIVES
37
BRAND BUILDING MEASURES
38
CORPORATE SOCIAL RESPONSIBILITY
39
LOOKING FORWARD
40
www.andhrabank.in
THANK YOU 41