Performance Analysis Q2 : FY 2018-19
PERFORMANCE AT A GLANCE - Business (Q-o-Q) ( `.in Crores) Business Mix Variation (%) over (Deposits + Sep17 Dec 17 Mar 18 June 18 Sep18 Sep 17 Jun 18 Advances) Global Business 934,403 905,541 896,850 878,351 888,320 -4.93 1.13 Domestic 702,130 720,241 2.76 2.58 700,902 694,636 714,712 Foreign 176,221 168,079 -28.02 -4.62 233,501 210,905 182,138 Global Deposits 543,716 526,003 520,854 514,604 512,142 -5.81 -0.48 Domestic 422,718 413,966 421,211 410,442 413,921 -2.08 0.85 Foreign 120,998 112,037 99,643 104,162 98,221 -18.82 -5.70 Global Advances 390,687 379,538 375,995 363,747 376,178 -3.71 3.42 (Gross ) Domestic 278,185 280,670 293,500 291,688 306,320 10.11 5.02 Foreign 72,059 69,858 -37.91 -3.05 112,502 98,868 82,495 2
Cont...PERFORMANCE AT A GLANCE Q2 FY19 Parameter Y-o-Y Growth / Rs. in crore 4.57 % CASA Deposits (Rs 170,206 crore) 5.14 % Priority Sector Advances (Rs 120,469 crore) 1.03% MSME Advances (Rs 53,150 crore) 18.16% Retail Advances (Rs 50,654 crore) 69.12 % Provision Coverage Ratio (65.23 % in Sep-17) 3
CASA Growth - Domestic ( `. in Crores) O/S Balance Average Balance 172787 170205 167760 168317 163641 169916 160287 162,770 Sep-17 Mar-18 Jun-18 Sep-18 Sep-17 Mar-18 Jun-18 Sep-18 Domestic Domestic Average business growth is based on daily average for the respective quarter
CASA Profile - Domestic ( `. in Crores) CASA - Domestic 172,787 170,206 169,916 162,770 CASA CASA Ratio: 41.44 % Y-o-Y Growth: 4.57 % 41.43% 41.76% 41.44% 39.01% Current Deposit Savings Deposit Y-o-Y Growth: - 2.72 % Y-o-Y Growth: 5.65 % Sep. 17 Mar. 18 Jun. 18 Sep. 18 Saving Deposits Current Deposits 25,579 24,733 149,679 21,101 20,526 147,208 145,183 141,669 Sep.17 Mar.18 Jun.18 Sep.18 Sep.17 Mar.18 Jun.18 Sep.18 5
Sustained Improvement in “RAM” as Percentage of Total Domestic Credit ( `. in Crores) O/S balances % to Domestic Advances 153221 50% 135185 49% 53150 52606 17% 19% 50654 42869 17% 15% 47525 49295 17% 16% SEP-17 SEP-18 Sep-17 Sep-18 Agriculture Retail Agriculture Retail SME Corporate SME Corporate
Key Sectors – Domestic Credit (` in Crores) Y-O-Y % to Domestic Industry Sep 17 Dec 17 Mar 18 June 18 Sep 18 Growth Credit % Sep 17 Sep 18 Agriculture* 47,525 47,519 48,822 48,458 49,295 3.72 17.08 16.09 MSME 52,606 53,141 54,285 52,241 53,150 1.03 18.91 17.35 Retail 42,869 45,317 47,817 49,088 50,654 18.16 15.41 16.54 RAM 143,000 145,977 150,924 149,787 153,099 7.06 51.40 49.98 Corporate & 135,185 134,693 142,576 141,901 153,221 13.34 48.60 50.02 Others Total 278,185 280,670 293,500 291,688 306,320 10.11 100.00 100.00 7 *Excluding RIDF
Retail Credit ( ` in Crores) Y-O-Y %age to Retail Particulars Sep 17 Dec17 Mar 18 June 18 Sep 18 Growth Credit % Sep 17 Sep 18 Home 23,878 24,897 26,616 27,709 28,997 21.44 55.70 57.25 Mortgage 6,291 6,840 6,963 6,843 6,858 9.01 14.67 13.54 Auto 3,875 4,203 4,476 4,624 4,750 22.58 9.04 9.38 Education 3,187 3,398 3,341 3,343 3,371 5.77 7.43 6.65 Personal 1,385 1,480 1,589 1,620 1,640 18.41 3.23 3.24 Others 4,253 4,499 4,832 4,949 5,038* 18.46 9.92 9.95 Total 42,869 45,317 47,817 49,088 50,654 18.16 100.00 100.00 *As on 30.09.2018,breakup of other retail loan are TDR (Rs.929 crore),Staff loan (Rs 3,489 crore),Micro credit (Rs.78 crore) and other retail (Rs.542 crore). 8
Our Differentiated Focus Yielding Results Credit Growth In Select Products as on 30.09.2018 (Y-o-Y) 64% 23% 21% 9% 1% 4% Home Loan Mortgage Auto Loan Gold Loan Agriculture MSME
Domestic Credit – Industry-wise (`. in Crores) % to Y-O-Y Particulars Domestic Sep 17 Dec 17 Mar 18 June 18 Sep 18 Growth % Advances 46,040 45,135 47,232 50,119 51,266 11.35 16.74 Infrastructure Basic Metal & Metal 14,259 16,168 15,820 13,816 14,838 4.06 4.84 products 9,850 9,588 9,749 9,609 9,225 -6.35 3.01 Textiles 5,973 5,611 5,610 5,714 5,576 -6.65 1.82 Gems & Jewellery Chemicals & Chemical 5,509 5,632 5,789 6,428 7,112 29.10 2.32 products Vehicles, vehicle parts & 3,020 3,038 3,785 3,110 3,172 5.03 1.04 Transport equipment Rubber, Plastic & their 2,256 2,118 2,348 2,062 2,138 -5.23 0.70 products 1,155 1,327 2,237 2,199 3,687 219.22 1.20 Construction Other Industries 24,674 26,908 30,787 28,100 19,500 -20.97 6.37 Total 112,736 115,525 123,357 121,157 126,004 11.77 41.13 10
Priority Sector Advances ( `. in Crores) Y-O-Y % to Industry Sep 17 Dec 17 Mar 18 June 18 Sep 18 Growth % ANBC 53,387 51,266 51,938 50,801 51400 Agriculture* -3.72* 17.65 24,034 23,904 23,858 23,868 24729 Out of which , S&MF 2.89* 8.49 44,088 44,942 51,678 49,244 50195 MSME 13.85 20,905 21,834 24,051 23,115 23709 Out of which , Micro 13.41 8.14 12,660 12,999 13,690 14,112 14584 Housing Loan 15.19 3,368 3,280 3,226 3,185 3224 Educational Loan -4.27 1,074 1,124 1,159 1,127 1066 Others -0.74 Total Priority Sector 5.14* 41.38 114,577 113,611 121,691 118,469 120,469 Advances $ *Growth excluding RIDF/IBPC in Total Priority Sector is 11.27%, Agriculture 3.73% and SF & MF 8.00%. Outstanding under RIDF is Rs.6320 crore (out of which, NABARD -Rs.4505cr, SIDBI -Rs. 765cr and NHB -Rs. 1050 cr) ANBC Rs. 291152 Crore as of 30.09.2018. 11
Advances - Infrastructure Sectors ( `. in Crores) Y-O-Y Particulars Sep. 17 Dec. 17 Mar 18 June 18 Sep. 18 ( % ) Power 30,395 28,800 30,826 33,985 33,804 11.22 a) SEBs* 11,693 11,415 11,752 14,228 13,074 11.81 b) Others 18,702 17,385 19,074 19,757 20,730 10.84 Roads and Ports 10,369 11,035 11,114 11,270 11,278 8.77 Telecom 653 653 649 640 462 -29.25 Other Infrastructure 5,817 5,841 5,692 5,272 5,722 -1.63 Total 47,234 46,329 48,281 51,167 51,266 8.54 *O/S in Distribution Companies & SEB also includes outstanding in Bonds of Rs. 1049 Crore as on 30.09.2018. 12
Improving Rating Profile 13% 14% Unrated 17% 26% 13% Below BBB 18% 21% 10% BBB 19% 15% 19% 17% A & above 64% 53% 43% 38% Mar 17 Sep 17 Mar 18 Sep 18 A & Above BBB Below BBB Unrated External Rating Distribution of Domestic Advances above 5 crore
(` . in Crores) Sector wise breakup of Standard Restructured Advances - 30.09.2018 Sector Sept-17 Sept-18 NO. OF NO. OF AMOUNT AMOUNT ACCOUNT ACCOUNT 18 1,987 INFRA 33 5153 11 1,577 INFRA-POWER 21 4373 - - INFRA-TELECOM 2 191 5 326 INFRA-ROADS & PORTS 6 417 2 84 INFRA-OTHERS 4 172 1 3,708 AVIATION 1 2121 6 27 TEXTILES 14 405 4 41 ENGG 8 112 6 185 SUGAR 8 378 3 55 PHARMA 5 128 5 144 STEEL 6 214 4 192 CEMENT 5 219 6 75 SERVICES 10 122 10 109 HOTELS 15 108 2 6 OTHER METAL 4 142 9 26 AGRICULTURE 17 53 3 23 AUTOMOBILES 4 28 4 72 SERVICE-TRANSPORT RELATED 4 76 50,946 1,932 OTHERS 58,359 2,245 51,027 8,582 Standard Restructured Advances (Domestic) 58,493 11504 3 399 Standard Restructured Advances (Overseas) 4 315 51030 8981 Standard Restructured Advances (Total) 58497 11819 14
NCLT ACCOUNTS As on 30.09.2018 ( `. in Crores) 29359 15663 7604 2826 3266 NCLT 1 NCLT 2 Account Accounts Total List List filed by filed by BOI at other NCLT banks at NCLT Exposure in INR crore • Recovery in NCLT -1 list account is 1704 Crore. • Resolution of NCLT accounts to lead to lower GNPAs.
Asset Quality – Sequential (` . in Crores) Item Sep 17 Dec 17 Mar 18 June 18 Sep 18 Gross NPA 49,307 64,249 62,328 60,604 61,561 Net NPA 23,566 36,117 28,207 27,932 25,994 Gross NPA % 12.62 16.93 16.58 16.66 16.36 Net NPA % 6.47 10.29 8.26 8.45 7.64 Provision Coverage Ratio % 65.23 56.96 65.85 66.67 69.12 16
Movement of NPA – (Q-o-Q) (`. in Crores) Sep 2017 Dec 2017 Mar 2018 June 2018 Sep 2018 Item Q2 Q3 Q4 Q1 Q2 Opening Balance 51,019 49,307 64,249 62328 60604 Less : Recovery 528 1,178 11,417 2,699 963 Upgradation 538 165 1,539 1,774 1,735 2,787 2,044 1,938 3,922 161 Write Off 3,853 3,387 14,894 8,395 2,859 Total reduction Addition 2,141 18,329 12,973 6,671 3,816 Out of which 1846 17789 12171 5612 2,624 1) Fresh Slippages 2) Debit in existing A/cs 210 225 241 621 452 3) Exchange fluctuation 85 315 561 438 740 in overseas book Closing Balance 49,307 64,249 62,328 60,604 61,561 17
Break up of Gross NPA (`. in Crores) %age to Particulars Sep 17 Dec 17 Mar 18 June 18 Sep 18 Domestic Credit Sep 17 Sep 18 Large Corporate 17,608 20,615 26,112 23,275 32,005 6.33 10.45 Mid Corporate 7,606 8,114 9,848 9,067 *--- 2.73 0.00 SME 8,391 8,463 8,422 8,859 9,127 3.02 2.98 AGRICULTURE 4,873 5,094 5,476 6,557 7,392 1.75 2.41 RETAIL 1,193 1,188 1,228 2,018 1,814 0.43 0.59 TOTAL (Domestic) 39,671 43,474 51,086 49,776 50,338 14.26 16.43 Total (Overseas) 9,636 20,775 11,242 10,828 11,223 8.57 16.07 Total (Global) 49,307 64,249 62,328 60,604 61,561 12.62 16.36 *As on date all the 31 Mid corporate branches have been merged/ converted with Large corporate /General Branches. 18
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