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PERFORMANCE

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

Branches 1432 1371 1448


Extension
52 66 50
Counters
ATMs 726 660 778
Satellite
38 38 38
Offices
TOTAL 2248 2135 2314

Branch Mix Mar 09 Jun 08 Jun 09

Rural 411 403 414

Semi-Urban 412 399 414

Urban 393 369 396

Metro 216 200 224

TOTAL 1432 1371 1448

3
BUSINESS LEVELS
(Rs in crores)
Quarter Ended
% Growth
Details FY 08-09 (Jun 08
Jun 08 Jun 09
– Jun 09

Aggregate Deposits 59201.51 49034.64 60368.78 23.11


Advances (GBC) 44427.60 34081.05 44911.38 31.78
Investments (Net) 16911.11 15939.52 17864.57 12.08
C / D Ratio(%) 75.04 69.50 74.40%
Net Interest Income 1626.92 346.25 441.37 27.47
Operating Profit 1288.03 205.27 347.99 69.53
Core Operating Profit (excl
1050.42 190.39 219.31 15.19
Profit on sale of Investments)
Net Profit 653.05 77.62 256.21 230.08

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

% Share 8.78% 7.52% 7.98%

Savings
13437.78 12618.16 13706.84
Deposits

% Share 22.63% 25.66% 22.71%

Term
40736.59 32859.09 41843.20
Deposits

% Share 68.59% 66.82% 69.31%

T O T A L: 59390.02 49175.38 60368.78

6
DEPOSITS - AVERAGE
(Rs in crores)

Quarter Ended
Type of FY 08-09
Deposit
Jun 08 Jun 09

Current 3234.50 2858.79 3812.05

Savings 12278.63 12170.79 13282.00

Term 34561.31 32525.88 40667.06

T O T A L: 50074.44 47555.46 57761.11

7
ADVANCES
(Rs in crores)
Quarter Ended
SECTOR FY 08-09
Jun 08 Jun 09

Medium & Large


15523 9579 16965
Industries

SSI & Small Entp. 3341 2834 3674

Other Priority
11614 10682 11487
Sector

Other Sectors 13950 10986 12785

Gross Bank Credit 44428 34081 44911

% GROWTH IN GBC 28.56% 25.57% 31.78%

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

Doubtful Assets 0.50% 0.78% 0.52%

Loss Assets 0.02% 0.01% 0.03%

TOTAL 100.00% 100.00% 100.00%

10
NPA MOVEMENT
(Rs in crores)

Quarter Ended
PARAMETER FY 08-09

Jun 08 Jun 09

Gross NPAs at the beginning of the period 372.43 372.43 368.14

Less: Reduction during the period 205.61 21.25 33.00

NPAs after reduction 166.82 351.18 335.14

Add: Additions during the period 201.32 41.64 23.94

Gross NPAs at the end of the period 368.14 392.82 359.08

Net NPAs at the end of the period 79.22 35.13 99.62

11
NON-PERFORMING ASSETS – YEARWISE MOVEMENT

Gross NPAs to Net NPAs to


Gross Advances Net Advances
Period
Ended
Rs. Rs.
% %
Crore Crore

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)

The Gross and Net NPAs are among the


lowest in the industry. Increase in Net
NPAs for June 2009 is on account of
change in treatment of floating
provisions mandated by Reserve Bank
of India.

12
PROVISION COVERAGE FOR NPAS & SLIPPAGE RATIO

Provision
Period Slippage
Coverage
Ended Ratio %
%

FY 08-09 81.49 0.59

Jun 08 (Q1) 90.88 0.12

Jun 09 (Q1) 85.92 0.05

With early detection of delinquency


and initiation of corrective steps at
the right time the slippage ratio was
curtailed at 0.05 as against 0.12 last
year.

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

Jun-08 Mar-09 Jun-09 Profit on Sale


of 237.62 14.88 128.68
Investments

Yield on
8.84% 7.42% 6.65%
Investments

Total Investments increased by 12.08% from


Jun 08 to Jun 09. YoY Profit on Sale of
Investments zoomed by 765.95%.

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

Shares 165.51 195.45 121.80

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

Recap Bonds 0 0.00 0 0.00 0.00 0.00

Total 16911 100.00 15940 100.00 17865 100.00

SLR maintained as on 30.06.2009 – 25.53 % of NDTL

16
QUALITY OF INVESTMENT PORTFOLIO

17
NET PROFIT
(Rs in crores)

Quarter Ended

Particulars FY 08-09
Jun 08 Jun 09

Operating Profit 1288.03 205.27 347.99

Core Operating Profit


(excl. Profit from 1050.42 190.39 219.31
sale of Investments)

Provisions 634.98 127.65 91.78

Net Profit 653.05 77.62 256.21

The Operating Profit and Net Profit YoY


increased by 69.53% and 230.08%
respectively.

18
PROFIT & LOSS ACCOUNT – SPREAD MANAGEMENT
(Rs in crores)
Quarter Ended

Particulars FY 08-09 Jun 08 Jun 09

Interest Income 5374.62 1157.36 1504.63

Interest Expenses 3747.71 811.11 1063.26

Interest Spread
1626.91 346.25 441.37
(NII)

NIM(On Earning
3.03% 2.74% 2.85%
Assets)

The Net Interest Income showed a sharp


increase by 27.47%. The Net Interest Margin
improved from 2.74% to 2.85%.

19
INTEREST INCOME
(Rs in crores)

Quarter Ended

Interest on FY 08-09
Jun 08 Jun 09

Advances 4215.06 880.10 1217.83

Investment 1098.98 270.89 280.95

Others 60.58 6.37 5.85

TOTAL 5374.62 1157.36 1504.63

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

TOTAL 3747.71 811.11 1063.26

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

2) Other Income 293.70 49.99 52.50

Sub Total (A) 488.81 95.05 93.86


B) Non Interest Income from
Treasury
1) Dividend Income 3.31 0.95 0.27

2) Forex Profit 52.51 13.74 15.05

3) Profit on Sale of Investments 237.61 14.88 128.68

4) Loss on Redemption -16.86 -15.86 0.21

Sub Total (B) 276.57 13.71 144.21

Total Non Interest Income 765.38 108.76 238.07

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

T O T A L: 1104.26 249.74 331.44

As on Jun 2009, of the Total Non Interest Expenditure, Establishment Expenses


constituted 64% and Other Expenses constituted 36%. Establishment Expenditure
includes Rs.40 crs. Adhoc provision (Rs.20 crs in Mar 09) towards wage arrears
pending outcome of negotiation with IBA. 23
PROVISIONS & CONTINGENCIES
(Rs in crores)

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

Provision on restructured accounts

24
CAPITAL STRUCTURE
(Rs in crores)

TIER-II % OF TIER-
PERIOD TOTAL TIER-I
CAPITAL I TO TOTAL
ENDED CAPITAL CAPITAL
CAPITAL

FY 08-09 5563.84 3646.97 1916.87 65.55%

Jun 08
4296.25 3183.34 1112.91 74.10%
(Q1)

Jun 09
6356.01 3908.96 2447.05 61.50%
(Q1)

Tier I Capital Funds increased by Rs. 725.62 crores


and Tier II Capital Funds increased by Rs. 1334.14
crores from Jun 2008 to Jun 2009.

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 %

Capital Adequacy Ratio is at 14.75% as on


30.06.2009 as per BASEL II.

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 %

YoY, Cost of Deposits increased by 27 bps


while the Yield on Advances increased by
81 bps.

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) %

Return on Avg. Net


18.94 9.45 27.15
Worth (RONW) %

Earnings Per Share


(Amount in Rs.) 13.46 6.40 21.13
(Annualized)
Book Value Per
Share 75.20 68.60 80.48
(Amount in Rs.)

PE Ratio 3.36 8.54 3.88

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

Gross Profit Per


0.90 0.60 0.96
Branch

Net Profit Per


0.05 0.02 0.07
Employee

Business Per
72.50 60.73 72.71
Branch

YoY Business Productivity Per Employee


increased by 20.49% and the Gross Profit per
Branch increased by 60% .

30
SHARE HOLDING PATTERN – JUN 2009

SHARE HOLDING PATTERN


Government of India 51.55

General Public 14.02


NRIs/OCB 0.11
Private Corporate Bodies 1.90
Mutual Funds & UTI 3.81
Banks/Fis/Insurance Cos 13.25

Foreign Institutional Investors 15.02

Others 0.34
Total 100.00
31
RESTRUCTURED ACCOUNTS AS ON 30.06.2009
(Rs in crores)

S.NO. PARTICULARS NO.OF AMOUNT


A/CS RESTURCTURED

1 Micro, Small 13713 365.97


and Medium
Enterprises

2 Housing Loans 16987 257.98

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

The Road Ahead

40
www.andhrabank.in

THANK YOU 41

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