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Highlights
Total Business stood at Rs. 3,44,428 cr. as at the end of Sept’16 against Rs.3,27,807 cr. as on Jun’16.(Increase by Rs.16,621 cr. over the qrt.)
Global Deposits stood at Rs. 2,09,485 cr. as at the end of Sept’16 against Rs.1,96,359 cr.as on Jun’16.(Increased by Rs.13,126 cr. over the Qrt)
Core Deposits stood at Rs.1,33,672 cr. as at the end of Sept,16 showing growth of 10.53% Y-o-Y basis
Global Advances of the Bank stood at Rs. 1,34,943 cr. as at the end of Sept’16. As against Rs.1,31,448 cr as on Jun’16 (Increased by Rs. 3,495 cr over the Qrt)
Percentage of Priority sector advances of ANBC stood at 40.92% as of 30.09.2016.Total income in the 2nd qtr. of FY16-17 was Rs. 4941 Cr increased by 4.52% over Jun’16 Qrt.
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During the 2nd Qtr of FY16-17, Operating Profit is Rs. 1108 Cr. whereas on Jun’16 qrt it was Rs.810 cr. (increased by 36.77% over the quarter )
For the 2nd Qtr of FY16-17 there is Net Loss of Rs. 385 Cr. on account of higher provisioning on NPA. However, there is reduction in loss to the tune of Rs.56 cr. over the previous qrt.
Total provision & contingencies in the 2nd qtr. of FY16-17 was Rs. 1493 cr as against Rs.973 Cr. a year ago.
Provision Coverage Ratio increased to 58.29% in the 2nd qtr. of FY16-17 from 53.90% a year ago.
In Q2 FY’16-17, Total Interest Income stood at Rs. 9669 Cr.
The CRAR as on 30.09.2016 stood at 9.68% as per Basel III.
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Cost of Deposits for 2nd Qrt decreased to 5.85% as on 30.09.2016 from 6.17% a year ago.
Average Yield on performing advances (Domestic) for 2nd Qrt stood at 11.17% as on 30.09.2016 as against 10.17% a year ago
Saving Deposits (Domestic) stood at Rs.43,439 cr. which registered a growth of 15.19% YoY basis.
As on Sep’16 GNPA Ratio stood at 16.51% as against 17.19% as on Jun’16.
Net NPA stood at 8.83% as on Sep’16 as against 10.04% as on Jun’16.
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Movement of business parameters [ Amt. in Rs. Crore except otherwise mentioned]
Performance Highlights
Quarter Ended
PARAMETERS 30 Sep'2015 31 Mar'2016 30 Sep'2016 Change (%)Sep'16/ Sep'15
Total Deposit 216463.65 207118.24 209485.51 -3.22Total Advance 143598.25 135508.13 134942.66 -6.03Total Income 5308.08 4745.47 4941.41 -6.91Net Interest Income 1416.38 933.11 1246.27 -12.01Operating Profit 1128.99 567.67 1108.02 -1.86Provisions 972.79 2282.81 1492.84 53.46Net Profit 156.20 (-)1715.14 -384.82 -346.36Gross NPA (Rs.Cr.) 12226.66 20907.73 22275.51 82.19Gross NPA % 8.51 15.43 16.51 -Net NPA (Rs.Cr.) 7123.11 11443.59 10890.43 52.89Net NPA % 5.15 9.09 8.83 -CASA (Domestic)(%) 30.87 31.68 28.64 -Cost to income (%) 38.22 57.02 43.28 -ROA 0.26 (-)3.00 -0.72 -NIM (Global)(%) 2.32 1.63 2.33 -NIM (Domestic)(%) 2.45 1.70 2.46 -NPA Prov Coverage Ratio(%) 53.84 53.87 58.29 -Book Value per share (Rs.) 113.71 111.35 98.02
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Deposit components [ Amt. in Rs. Crore ]
Parameters As on 30-Sep'15
As on31-Mar'16
As on 30-Sep'16
A) Deposit (Domestic)(i+ii+iii)
196511 190885 192753
Current 22956 20028 11763
Savings 37711 40438 43439i. CASA 60667 60466 55202
Share of CASA (%) 30.87 % 31.68% 28.64%ii. Normal Term Deposit (< Rs. 1 Cr) 75296 79066 83138
iii. Bulk Deposit (>= Rs. 1 Cr)+ CD 60548 51353 54413
Core Deposits * 120936 127755 133672
B) Deposit (Overseas) 19952 16234 16733
C)Total Deposit (Global) 216464 207119 209486
**E* Excluding Bulk Deposits (>=Rs.1 cr), CD & Iran Deposits
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CASA movements (Domestic)[ Amt. in Rs. Crore ]
Parameters
As on
30-Sep'15 31-Mar'16 30-Sep'16
CASARs. Crore 60667 60466 55202
% of Dom.Dep. 30.87 % 31.68 % 28.64 %
CA Rs. Crore 22956 20028 11763
% of Dom.Dep. 11.68 % 10.49 % 6.10 %
SA Rs. Crore 37711 40438 43439
% of Dom.Dep. 19.19 % 21.19 % 22.54 %
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[ Amt. in Rs. Crore ]Retail Business
Deposits, Advances & Investments
Position as on 30-09-2015 Position as on 31-03-2016Scheme
Position as on 30-09-2016
A/c Amount A/c Amount A/c Amount
97876 12343 100342 13060 UCO Home 101116 13215
29188 1851 29444 1525 UCO Car 28714 1288
55036 1364 54301 1373 UCO Education 53367 1374
45100 484 42710 463 UCO Cash 40096 435
153251 3933 161580 4413 Other Retail Schemes 182384 4484
380451 19975 388377 20834 Total Retail 405677 20796
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Gross Advances(Amt. in cr)
Particulars As on 30.09.2015
As on 31.03.201
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As on 30.06.2016
As on 30.09.2016
Bills Purchased & Discounted 28704.72 20713.50 23312.19 23723.42
Cash Credit, Overdraft and Loans repayable on Demand 35563.37 42156.48 38221.94 40082.91
Term Loan 79330.16 72638.15 69913.77 71136.33
Total 143598.25 135508.13 131447.90 134942.66
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[ Amts. in Rs. Crore ]Investment Portfolio as on 30-09-2016
Deposits, Advances & Investments
Portfolio Amount INR Crore % to NDTL Investment in SLR (G Sec)
• HFT 0• AFS 24854 13.46• HTM 33934 18.38
Sub Total (Investment in SLR) 58788 31.85Investment in Non - SLR
• HFT 0• AFS 4934 2.67• HTM 7497 4.06
Sub Total (Investment in Non - SLR) 12431 6.73Priority Sector Investment -- --
Gross Total (SLR + Non-SLR) 71219 38.58
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[ Amt. in Rs. Crore ]
Deposits, Advances & Investments
Bank Priority Sector Lending Position
Sl. Outstanding
as on 30-09-2015
Outstanding as on
31-03-2016
As on 30-09-2016 Variation Sep'16/Sep'15
Outstanding % of ANBC (Absolute) (%)
1 PRIORITY SECTOR
Lending excldng. Pool 49821 48779 49045Pool Assets 1373 2038 1741IBPC -- 403 --RIDF+SIDBI+NHB 4903 4728 5588
TOTAL 56097 55948 56374 40.92 277 0.49
2 TOTAL AGRICULTU
RE
Lending excldng. pool 15417 15276 15065Pool Assets 149 397 11IBPC -- 293 --RIDF 3830 3627 4562
TOTAL 19396 19593 19638 14.26 242 1.25
aDIRECT
AGRICULTURE
Lending excldng. pool 12280 12479 12375Pool Assets -- -- --IBPC -- 293 --
TOTAL 12280 12772 12375 8.98 95 0.77
bINDIRECT
AGRICULTURE
Lending excldng. pool 3137 2797 2690Pool Assets 149 397 11IBPC -- -- --RIDF 3830 3627 4562
TOTAL 7116 6821 7263 147 2.07
3 MSME
Lending excldng. Pool 25413 24815 24816Pool Assets 1224 609 684IBPC -- 110 --SIDBI 436 401 325
TOTAL 27073 25935 25825 -1248 -4.61
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15Financials & performance indicators
Income, Expenditure & Profit (Global)[ Amt. in Rs. Crore]
During Change During Change
Q2 FY'16 Q2FY'17 Amt. % H1 FY'16 H1FY'17 Amt. %
I)Total Income (a+b) : 5308.08 4941.41 -366.67 -6.91 10477.17 9669.34 -807.83 -7.71
a)Interest Income 4897.03 4329.45 -567.58 -11.59 9626.02 8519.09 -1106.93 -11.50
Interest on Advances 3391.81 2655.73 -736.08 -21.70 6724.42 5148.42 -1576.00 -23.44
Income on Investments 1346.26 1528.47 182.21 13.53 2598.37 3067.20 468.83 18.04
Other Interest Income 158.96 145.25 -13.71 -8.62 303.23 303.47 0.24 0.08
b)Other Income 411.05 611.96 200.91 48.88 851.15 1150.25 299.10 35.14
II)Total Expenses 4179.09 3833.39 -345.70 -8.27 8186.72 7751.16 -435.56 -5.32
Interest Paid 3480.65 3083.18 -397.47 -11.42 6839.00 6287.37 -551.63 -8.07
Operating Expenses 698.44 750.21 51.77 7.41 1347.72 1463.79 116.07 8.61
III)Operating Profit (I-II): 1128.99 1108.02 -20.97 -1.86 2290.45 1918.18 -372.27 -16.25
IV)Provisions 972.79 1492.84 520.05 53.46 1877.55 2743.57 866.02 46.13
V)Net Profit (III-IV) : 156.20 -384.82 -541.02 -346.36 412.90 -825.39 -1238.29 -299.90
Net Interest Income 1416.38 1246.27 -170.11 -12.01 2787.02 2231.72 -555.30 -19.92
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Ratio Analysis
Financials & performance indicators
During During
Q2 FY'16 Q2FY'17 H1 FY'16 H1FY'17
Cost of Deposit (%) 6.17 5.85 6.14 5.90
Yield on Performing Advances (%) 9.33 9.78 9.23 9.47
Yield on Investment (%) 7.91 9.05 7.92 8.39
Net Interest Margin Global (%) 2.32 2.33 2.33 2.07
Net Interest Margin Domestic (%) 2.45 2.46 2.45 2.17
Cost to Income Ratio (%) 38.22 40.37 37.04 43.28
GNPA (%) 8.51 16.51 8.51 16.51
NNPA (%) 5.15 8.83 5.15 8.83
NPA Provision Coverage (%) 53.90 58.29 53.90 58.29
CRAR (Basel-III) (%) 11.59 9.68 11.59 9.68
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17Financials & performance indicators
Profitability Indicators
During During
Q2 FY'16 Q2FY'17 H1 FY'16 H1FY'17
Return on Assets (%) 0.26 -0.72 0.35 -0.76
Return on Equity (%) 5.29 -16.68 7.00 -17.89
Book Value per Share (Rs.) 115.25 98.02 115.25 98.02
Earnings per Share (Rs.) 1.45 -2.96 3.84 -6.59
Net Worth (Absolute) excl. revaluation reserve 11997.47 9669.95 11997.47 9669.95
Op. Profit to AWF (%) 1.85 2.08 1.92 1.78
Net-interest income to AWF (%) 2.32 2.33 2.33 2.07
Non-interest income to AWF (%) 0.67 1.15 0.71 1.07
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Capital Adequacy[ Amt. in Rs. Crore]
Financials & performance indicators
PARAMETERS 30-09-2015 31-03-2016 30-09-2016Credit Risk 100803.58 98067.79 98287.30
Market Risk 18513.66 19178.98 14756.44
Operational Risk 12702.33 12702.33 13279.75
Total Risk Weighted Assets 132019.57 129949.10 126323.49
Tier I Capital Fund 11431.59 9915.83 9706.20
Tier II Capital Fund 3868.86 2598.98 2521.30Total Capital Fund 15300.45 12514.81 12227.50
BASEL -III
CET 1 (%) 8.56 7.52 7.68
Tier I (%) 8.66 7.63 7.68
Tier II (%) 2.93 2.00 2.00Capital Adequacy Ratio (%) 11.59 9.63 9.68
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Restructured Standard Assets
Q2FY’17 Details Amt.(Cr.)
Total Restructured Assets as on 01 Jun2016 5148.32Add: Standard Accounts restructured during Q2FY’17 648.63Less: Total Standard Restructured accounts closed during Q2FY’17 1.31Add: Increase/Decrease in O/s balance -144.52Less: Standard Restructured Slipped to NPA 90.29Total Standard Restructured as on 30 Sep’2016 5560.83% age of Restructured Advances to Total Loans and Advances as on 30/9/ 2016 4.00
Financials & performance indicators
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20Financials & performance indicators
As on 30-09-2015 As on 31-03-2016 Industry As on 30-09-2016
2011.13 2080.04 Power and Distribution 2259.332455.27 1237.64 Infrastructure 1244.743204.85 1243.15 Iron and Steel 1506.74
0.00 0.00 Aviation 0.000.00 0.00 Information technology 0.00
1970.35 789.61 Others 550.029641.60 5350.44 Total 5560.83
Industry wise break-up of Restructured Standard assets
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Impaired Assets movement Q-o-Q[ Amt. in Rs. Crore ]
Parameters As on / during the QE Sep'15
As on / during the QE Mar'16
As on / during the QE Sep'16
Gross NPA (Opening Balance @ beginning of Qtr) 10894.41 14931.80 22597.70Fresh Slippage (during the Qtr) 1876.28 7795.01 2032.71
Recovery + Upgradation 365.69 1647.04 2272.62Write off 178.34 172.04 82.28
Gross NPA (Amt.) 12226.66 20907.73 22275.51Gross NPA (%) 8.51 15.43 16.51
Net NPA (Amt.) 7123.11 11443.59 10890.43
Net NPA (%) 5.15 9.09 8.83
Financials & performance indicators
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Sector wise NPAs (Domestic) [ Amt. in Rs. Crore ]
Sector As on the QE Sep'15 Mar'16 Sep'16
1 Agriculture & Allied Activities 1561.58 1650.84 2011.62
2 Micro & Small Industries 1689.65 1639.14 1641.14
3 Medium Industries 1024.42 1146.08 1044.64
4 Large Industries 5024.04 11817.96 13846.47
5 Services 1265.95 2079.16 1112.81
6 Retail 912.61 1481.64 1437.59
7 All Others 248.29 291.13 329.93
Total 11726.54 20105.95 21424.20
Financials & performance indicators
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Industry wise NPAs (Domestic) [ Amt. in Rs. Crore ]
Industry *(top 5 & others)
As on the QE Sep'15 Mar'16 Sep'16
1 Iron & Steel 1046.08 3787.86 4332.85
2 Power Generation 1236.25 3476.30 3344.56
3 Textiles 769.29 1232.23 1393.43
4 Roads 927.36 1304.65 1387.81
5 Real Estate 631.27 283.00 381.43
6 All Others 7116.29 10021.91 10584.12
Total 11726.54 20105.95 21424.20
Financials & performance indicators
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Performance towards Financial Inclusion
Initiatives During Q2FY17 Cum. as on 30.09.2016Villages covered with > 2000 population (a) ----- 1833
through Branches ----- 378through BCs ----- 1455
Villages covered with < 2000 population (b) ----- 15269through Branches ----- 35
through BCs ----- 15234Total no. of villages covered (a) + (b) ----- 17102
Total no. of No frill accounts opened (In lakh) 3.05 96.36
No. of Smart card issued (In lakh) ----- 16.20
No. of transactions in the a/cs opened under ICT based BC model (in lakh) during the year
32.15 89.19
No. of KCCs extended (In lakh) ----- 6.08No. of GCCs extended (In lakh) ----- 0.44No. of all other Deposit accts (In lakh) 8.6 250.01No. of all other Advance accts (In lakh) 2.12 14.28No. of SHGs credit linked 5483 91434No. of JLGs credit linked 209 5329
Major Initiatives
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