Post on 04-Apr-2018
INVESTOR PRESENTATIONSEP 2011
1
South Indian Bank… At A Glance
• Number of years in banking business83 Years
• Number of branches644
• Number of ATM’s568
• Business as on Sep 2011-2012`56386 Cr
• Business Growth (Y – to – Y)31%
• Last 5 years business CAGR25%
2
• Last 5 years business CAGR25%• Net Profit for the half year ended Sep 2011-2012`177 Cr
• Net Profit for the Q2 (2011-2012)`95 Cr
• Net Interest Margin (Sep 11)3%
• Capital Adequacy Ratio (Basel II –Sep 11)13.48%
• Net Non-Performing Assets (Sep 11)0.25%
History &Background
History &Background
Key Strength
Overview
3
Key Strength
Future Strategy
4
One of the oldest Banks in South India.
First among private sector Banks in Kerala tobecame a SCB in 1946.
Incorporated on January 25, 1929.Head Office:Thrissur, Kerala
First private sector bank to open a NRI branch in
History & Pioneering Initiatives
Listed in NSE, BSE & CSE- IPO in 1998. successfulFPO In 2006
First private sector bank to open a NRI branch inNov,1992 & an IFB branch in March 1993
Successful QIP in Sept 2007
First bank among the Pvt sector banks in Kerala toopen an "Overseas Branch“, june,93.
6
Shareholding Pattern – as on 30.09.2011
Individuals43%FII's
40%
Others4%
Individuals
Corporates
Fis and Banks
Diversified shareholding & tradition of good corporate governance practices
7
Corporates6%
Fis and Banks7%
40%FII's
Others
Vision & Mission
CORPORATE VISION
To emerge as the most preferred bank in the country in terms ofbrand, values, principles with core competence in fostering customeraspirations, to build high quality assets leveraging on the strong and vibranttechnology platform in pursuit of excellence and customer delight and tobecome a major contributor to the stable economic growth of the nation.
8
MISSION
become a major contributor to the stable economic growth of the nation.
To provide a secure, agile, dynamic and conducive banking environment tocustomers with commitment to values and unshaken confidence, deploying thebest technology, standards, processes and procedures where customerconvenience is of significant importance and to increase the stakeholders’value.
9
Healthy Fundamentals
Adequately Capitalised;
•13.48% CRAR & 10.80% Tier 1 ratio
Asset Quality;
• 0.99% GNPAs & 0.25% NNPAs
•74.70% NPA Coverage ratio
•17.53% ROE, 1.05% ROAA
•Over 85% secured loan book
Significant Turnaround
•Benchmarked HR Practices & Introduced
Performance Linked Incentive
schemes, ESOP, Annual Performance
contest- Awards.
•Forward looking Human Capital
Management Strategy
•Highly skilled human capital- 46% of
human capital under age 30 with
professional qualification
SIBSIB SIBSIB
Key Strengh
Strong Growth
• One of the fastest growing banks in
India.
• 25% CAGR in business in last 5 years
•Constant growth in Business &
Profitability
Most advanced technology in all
spheres of banking operations &
delivery channels.
Key Competitive Advantage
• Fast expanding branch network
• High Asset Quality with well diversified
Loan portfolio
• 9% market share in Kerala’s NRI deposit
base.
•Strong boost to Income from high
yielding gold loans forming 20% of the
loan book.
professional qualification
SIBSIBSIBSIB
Spread ofBranches
Vast and Rapidly Growing Branch Network
11
Average Branch &ATM network
growth @ 10% (forlast & current FY)
Branch Network – Category wise as on Sep 11
Rural11017%
Metro98
15%
Rural
12
Semi- Urban29446%
Urban14222%
Semi- Urban
Urban
Metro
STATES No: of Branches STATES No: of Branches
KERALA 361 JHARKHAND 2
TAMIL NADU 115 MADHYA PRADESH 2
KARNATAKA 37 ORISSA 2
ANDHRA PRADESH 29 PONDICHERRY 2
MAHARASHTRA 24 RAJASTHAN 2
DELHI 21 ASSAM 2
State wise distribution of Branches – Category wise as on Sep 11
13
DELHI 21 ASSAM 2
WEST BENGAL 9 BIHAR 1
UTTAR PRADESH 8 CHANDIGARH 1
GUJARAT 6 JAMMU & KASHMIR 1
HARYANA 4 UTTARANCHAL 1
PUNJAB 4 TRIPURA 1
GOA 4 HIMACHAL PRADESH 1
CHATTISGARH 3 MEGHALAYA 1
Network Expansion( Number of branches added)
40
50
60
70
50
61 60
49
Nu
mb
er
of
Bra
nch
es
ad
de
d
Esti
mat
ed
Pro
ject
ed
14
0
10
20
30
40
FY 07 FY 08 FY 09 FY 10 FY 11 FY 12 FY 13
25 25
30
Nu
mb
er
of
Bra
nch
es
ad
de
d
Esti
mat
ed
Pro
ject
ed
475500
530
580
644
701
750
400
500
600
700
800
Est
ima
ted
Est
ima
ted
Branch Network – as on Sep 11N
um
be
ro
fB
ran
che
s
Pro
ject
ed
15
0
100
200
300
400
FY 07 FY 08 FY 09 FY 10 FY 11 FY 12 FY 13
Est
ima
ted
Est
ima
ted
Nu
mb
er
of
Bra
nch
es
Network Expansion( Number of ATMs added)N
um
be
ro
fA
TM
sa
dd
ed
80
100
120
140
160
93
116
120
141
Pro
ject
ed
Esti
mat
ed
16
Nu
mb
er
of
AT
Ms
ad
de
d
0
20
40
60
80
FY 08 FY 09 FY 10 FY 11 FY 12 FY 13
50 55 Esti
mat
ed
ATM Network – as on Sep 11N
um
be
ro
fA
TM
s
489
609
750
400
500
600
700
800
Pro
ject
ed
Esti
mat
ed
17
Nu
mb
er
of
AT
Ms
225
280
373
0
100
200
300
FY 08 FY 09 FY 10 FY 11 FY 12 FY 13
Esti
mat
ed
Project SIBERTECH- 100% Core Banking Solution (CBS) using FINACLE from Infosys.
Centralized Data Centre with most advanced technological platform in a new state of the art “Green” compliedbuilding at Kochi, Kerala.
Emphasis on IT security & Risk Management - Disaster-recovery site at Bangalore for CBS & Regular IS Audits.
Member of INFINET & 568 On-line ATMs through NFS tie-up with other banks
A host of hi-tech products- International debit & credit cards, high speed & secure Internet & Mobile Banking forretail & corporate clients.
EFFICIENT SERVICE LEVERAGING ON TECHNOLOGY
retail & corporate clients.
Online Value added services - Stock trading, ticket booking, mobile recharges, shopping, Utility payments, offerings.
SIB FINS Card -A smartcard based FI initiative in association with M/s Coromandel InfoTech India Ltd., Chennai, as thetechnology service provider.
Successfully implemented RTGS & NEFT in all branches.
Successfully launched Smart card at Christ University, Bangalore which works as Access card, Identity card, ATM cardand card for payment of fees in Christ College for around 10000 students.
Best-in-class IT products & solutions in all banking operations like Treasury, Risk Management, AML, CreditProcessing, HR, Audit & KYC.
18
RANGE OF PRODUCTS
Loan Products Deposit products Other Products
Gold Loans
Retail Business Loans
Housing Loans/
Mortgages
Auto Loans
Personal Loans
Education Loans
Employee Group Loans
•Savings Bank Accounts
•Current Accounts
•Fixed/ Recurring
Deposits
• Depository Account
• Mutual Funds sales
• Life Insurance sales
• General Insurance sales
• Group Insurance sales
• E-payment
• Cash Management Services
• Online Foreign Inward Remittance
• m-Commerce
RetailBanking
19
• m-Commerce
• New Pension System
•Gold Coins/ingots
Commercial Banking
•Working Capital Loans
•Term Loans
•Wholesale Deposits
•Letters of Credit
•Banks Guarantees
• Bill Finance
WholesaleBanking
FINANCIAL INCLUSION
Particulars March 10 March 11 Sep 11
Number of Business Correspondents (BCs)appointed
0 7 25
Number of villages with population above2000 provided with banking facility (Ruralbranches & BCs)
107 117 135
Number of rural households covered 2.46 Lakh 2.47 Lakh 2.65 Lakh
Number of ‘No-frills’ accounts (including
20
Number of ‘No-frills’ accounts (includingStudents A/c)
6.83 Lakh 10.26 Lakh 11.39 Lakh
No-frills accounts - amount 64.06 crore 102.72 crore 134.44 crore
We have been empanelled by UIDAI for opening ‘No-Frills account’ based on AADHAARenrollment . in 26 districts & 39 villages already allotted for Financial Inclusion.
We have implemented the Smart Card model for FI as per the open standards and as recommended by IBA/IDRBT Technical Committee. Also planning for implementing the Smart Card model for Urban FI
Strategic Tie Ups
Life Insurance with LIC
General Insurance with Bajaj Allianz
Mutual funds –All the leading AMCs in India
Sri Lanka's Hatton National Bank (HNB)
• Improve the remittance flow to India and Sri Lanka
More than 30 exchange houses & banks in middle east
• Facilitating fast remittances for more than 2lakh NRI customers, mostly from Gulf countries
Providing managerial support to overseas exchange house - HADI exchange house
21
Best Bank in Asset Quality (Pvt Sect or Bank) Award - Dun & Bradstreet 2011
Best Bank in Priority Sector Lending (Pvt Sect or Bank) Award - Dun & Bradstreet 2011
Technology Excellence Award in 2010 from IRDBT
RECOGNITIONS
India’s Best Bank 2010 Award – “Business world – Price Water House Coopers. Best Banks Survey 2010”
Best Asian Banking Website - Asian Banking & Finance Magazine, Singapore.
Best Old Pvt Sector Bank - Financial Express India's Best Banks 2008-2009.
Best Pvt Sector bank in the Service quality segment Outlook Money - CFore Survey.
Best Website Award from Kerala Management Association
22
Business Performance
Busniess.
NIM
Net profit
Financial Highlights – FY12 (1st Half)
NetProfit(H1)
NetProfit(Q2)
Business Advance Deposit Net NPAGrossNPA
(` in Crores)
24
177
135
95
77
56386
43089
23348
18029
33038
25060
0.25%
0.38%
0.99%
1.27%
Sep 11
Sep 10
32%30%31%31% 23%
Profitability– FY12 (Q2)
125
166
77
95
40
60
80
100
120
140
160
180
Operating Profit
Net Profit
25
• 33%Operating Profit
• 23%Net Profit
Year to Year Growth (Q2)
0
20
Q2 (FY 10-11) Q2 (FY 11-12)
Profitability– FY12(1st Half)
229
309
135
177
100
150
200
250
300
350
Operating Profit
Net Profit
26
• 35%Operating Profit
• 31%Net Profit
Year to Year Growth (1st half)
0
50
H1 (FY 10-11) H1 (FY 11-12)
Improved Quality of Earnings
0.84
1.01
0.920.98 0.97
0.94
1.061.00 1.03 1.05
0.60
0.80
1.00
1.20
ROA
ROAA - Annualised
RoA coming mainly from Core Income
27
0.00
0.20
0.40
FY-08 FY-09 FY-10 FY-11 FY-12
ROAA - Annualised
*ROA is annualised for the period
Business Trend as at 30th Sep
Total Business and Growth(` in Crores)
26836
32787
43089
56386
30000
40000
50000
60000
28
Business grew over 2.4 times at CAGR of 25% in 5 yearsBusiness grew over 2.4 times at CAGR of 25% in 5 years
2309926836
0
10000
20000
30000
FY-08 FY-09 FY-10 FY-11 FY-12
Business Trend as at 30th Sep
Gross Credit Deposit Ratio
70.77%
69.21%
71.94%
70.67%
70%
72%
74%
29
65.56%
62%
64%
66%
68%
FY-08 FY-09 FY-10 FY-11 FY-12
Deposits as at 30th Sep
Growth in Deposits (` in Crores)
13952
1571519376
25060
33038
20000
25000
30000
35000
30
Deposits increased @ 32% growth rate
13952
13%23% 29%
32%
0
5000
10000
15000
FY-08 FY-09 FY-10 FY-11 FY-12
Deposits – Composition and Trend
Annual Trend in Low cost depositsComposition of Deposits
(` in Crores)(` in Crores)
SB Deposit576417%
CD Deposit12744%
3791
4888
5764
3000
4000
5000
6000
7000
31
Low Cost deposits form 26% of total deposits.
4%
TermDeposit2600079%
985 109112741241
1067853
405 427 499
0
1000
2000
3000
FY-10 FY-11 FY-12
SB Deposit CD Deposit NRE T-Deposit FCNR Dep
Growth in Advances
Advances as at 30th Sep
(` in Crores)
9147
1112113411
18029
23348
15000
20000
25000
Advances increased by 30% (Y-to- Y)
32
9147
22%
21%
34% 30%
0
5000
10000
FY-08 FY-09 FY-10 FY-11 FY-12
Advances – Composition (Sep 2011)
Sector Upto 5 Crores Above 5 Crores Total % to total
Agriculture 2931.13 302.74 3233.87 13.85%
MSME 1570.26 737.74 2308.00 9.89%
Large Scale Industries 503.36 2951.94 3455.30 14.80%
33
Housing 1159.22 416.04 1575.26 6.75%
Commercial Real Estate 72.99 35.27 108.26 0.46%
NBFC 62.05 1032.31 1094.36 4.69%
Food Credit 0.00 362.60 362.60 1.55%
LC Bills 0.00 2815.63 2815.63 12.06%
Other 7535.09 859.40 8394.49 35.95%
Total 13834.10 9513.67 23347.77 100.00%
Trend in Cost & Yield
Trend in Cost of Deposits – Half Yearly
6.56%
7.01%
7.20%
6.34%
7.66%
5%
6%
7%
8%
9%
11.14%
11.68%
12.11%
11.50%
12.00%
12.50%
Trend in Yield on Advances- Half Yearly
34
0%
1%
2%
3%
4%
5%
FY-08 FY-09 FY-10 FY-11 FY-12
10.63%
11.14%
10.61%
9.50%
10.00%
10.50%
11.00%
FY-08 FY-09 FY-10 FY-11 FY-12
Trend in Cost & Yield
Trend in Cost of Deposits - Qtrly
6.34% 6.40%6.57%
7.60%
7.66%
5%
6%
7%
8%
9%
11.75%
12.11%
11.50%
12.00%
12.50%
Trend in Yield on Advances - Qtrly
35
0%
1%
2%
3%
4%
5%
Sep-10 Dec-10 Mar-11 Jun-11 Sep-11
10.61%
10.69%10.90%
9.50%
10.00%
10.50%
11.00%
Sep-10 Dec-10 Mar-11 Jun-11 Sep-11
Investment Portfolio (Sep 2011)
SLR & Non SLR Securities Composition of Investment Book
` in Crores
Category Amount Percentage
Held to Maturity 6668.14 77.77%
Held for Trading 314.73 3.67%3343
39474593
6146
7621
4000
5000
6000
7000
8000
9000
36
Held for Trading 314.73 3.67%
Available for Sale 1591.11 18.56%
Total 8573.98 100.00%
3343
881 759 1045381
953
0
1000
2000
3000
4000
FY-08 FY-09 FY-10 FY-11 FY-12
SLR Securities Non-SLR Securities
Investment Portfolio (Sep -2011)
Yield on Investments
Jun-10 Sep-10 Dec-10 Mar-11 Jun-11 Sep-11
TotalInvestmentPortfolio
4.34 4.45 4.03 3.67 3.61 3.69
Total HM
Duration of Investments
6.79%
6.89%
6.29%
6.73%
6.20%
6.40%
6.60%
6.80%
7.00%
37
Total HMInvestmentPortfolio
5.18 5.03 4.96 4.81 4.68 4.61
Total HFTand AFStogetherInvestmentPortfolio
0.74 1.12 0.44 0.42 0.39 0.39
5.95%
6.29%
5.40%
5.60%
5.80%
6.00%
6.20%
FY-08 FY-09 FY-10 FY-11 FY-12
15.3914.01
17.55
15.86
13.48
8
10
12
14
16
18
20
Yearly
Half year -1
Adequately Capitalized
CRAR – Basel 2
0
2
4
6
FY-10 FY-11 FY-12
38
The bank has CRAR in excess of the required minimum of 9%stipulated by RBI.
Strong Core Capital (Tier 1 & Tier 2 CRAR)
13.08%12.31%
11.27% 10.86% 10.80%
2.78%4%
6%
8%
10%
12%
14%
39
Strong Core Capital. Dependence on Capital Instruments low.
2.78% 2.58% 2.74% 2.65% 2.68%
0%
2%
4%
Sep-10 Dec-10 Mar-11 Jun-11 Sep-11
Tier 1 CRAR Tier 2 CRAR
Strong Core Capital (Trend)
RWA Tier 1 Capital Tier 2 Capital Total Capital
Mar 10 11377 1412 337 1749
Jun 10 11270 1476 326 1802
Sep 10 11861 1551 330 1881
(` in crores)
40
Sep 10 11861 1551 330 1881
Dec 10 13174 1622 340 1962
Mar 11 14647 1650 401 2051
Jun 11 15152 1645 401 2046
Sep 11 15173 1643 408 2051
Trend in Income & Expenses (HY-1)
668
8461056
1206
1751
800
1000
1200
1400
1600
1800
2000
Total Income
(` in crores)
549684
815
977
1441
600
800
1000
1200
1400
1600 (` in crores)
Trend in Expenses
41
Gross Annual income grew over 2.6 times in 5 years at CAGR 27%
668
0
200
400
600
FY08 FY09 FY10 FY11 FY12
Non-Int Income Oth Int Int on Inv Int on Adv
0
200
400
600
FY08 FY09 FY10 FY11 FY12
Other Exp Staff Exp Int Exp
Trend in Income (HY-1)
Yield on Funds
9.48%
9.09%
9.18%
9.70%
9.00%
9.20%
9.40%
9.60%
9.80%
Cost of Funds
6.55% 6.40%
6.53%
5.74%
6.97%
5%
6%
7%
8%
42
8.52%
7.80%
8.00%
8.20%
8.40%
8.60%
8.80%
9.00%
FY-08 FY-09 FY-10 FY-11 FY-12
0%
1%
2%
3%
4%
FY-08 FY-09 FY-10 FY-11 FY-12
Composition of Non-Interest Income
ParticularsHalf Year
ended30/09/2010
Half Yearended
30/09/2011
Quarter ended30/09/2010
Quarter ended30/09/2011
Commission, Exchange &Brokerage
16.66 15.94 8.53 6.55
Profit on sale of investment (NET) 15.43 26.24 6.22 11.32
Profit on sale of Land, Building &
(` in crores)
43
Profit on sale of Land, Building &Other assets (net)
0.00 0.02 -0.01 -0.02
Profit on Exchange Transactions(Net)
8.81 11.72 4.67 6.78
Miscellaneous Income
1. Processing Fees 0.00 0.00 0.00 0.00
2. Rent Received - - - -
3. Others (Folio charges, LockerRent)
45.61 50.78 25.44 28.44
Total 86.51 104.70 44.85 53.07
Profitability (HY-1)
Growth in Net Profit Net Interest Margin
66.06
90.30101.89
135.44
177.44
80
100
120
140
160
180
200
2.00%2.10%
2.64%3.00%
3.00%
1.50%
2.00%
2.50%
3.00%
3.50%
44
Net profit grew over 5.5 times in 6 years at CAGR 29%.Net Interest margin (NIM) remains at satisfactory range.
66.06
0
20
40
60
80
FY-08 FY-09 FY-10 FY-11 FY-12
0.00%
0.50%
1.00%
FY-08 FY-09 FY-10 FY-11 FY-12
Efficiency as at 30th Sep
Return on Equity Return on Average Asset
11.85%
14.43% 14.49%
16.67%17.53%
12%
14%
16%
18%
20%1.06%
1.00%
1.03%
1.05%
1.00%
1.02%
1.04%
1.06%
1.08%
45 45
0%
2%
4%
6%
8%
10%
12%
FY-08 FY-09 FY-10 FY-11 FY-12
0.94%
0.88%
0.90%
0.92%
0.94%
0.96%
0.98%
FY-08 FY-09 FY-10 FY-11 FY-12
Efficiency (HY1)
Cost / Income Ratio Earning Per Share (EPS- Annualised)
(amount in ` )
52.57%
44.92%
50.72%49.20%
45.56%
40%
50%
60%
2.00
2.39
3.13
2
3
3
4
46 46
10%
20%
30%
40%
FY-08 FY-09 FY-10 FY-11 FY-12
1.46
2.001.80
0
1
1
2
2
FY-08 FY-09 FY-10 FY-11 FY-12
Productivity (HY1)
Average Business Per Employee
(` in Lakh)
Profit Per Employee
(` in Lakh)
534574
636
773
943
500
600
700
800
900
1,000
3.39
4.05 4.23
5.26
6.43
4
5
6
7
47 47
0
100
200
300
400
500
FY-08 FY-09 FY-10 FY-11 FY-12
3.39
0
1
2
3
FY-08 FY-09 FY-10 FY-11 FY-12
Productivity (HY-1)
Business Per Branch
(` in Crores)
Operating Profit Branch
(` in Lakh)
49.60
55.63
65.58
81.25
50
60
70
80
90
62.9269.94
75.44
96.60
80
100
120
48 48
43.24
49.60
0
10
20
30
40
50
FY-08 FY-09 FY-10 FY-11 FY-12
49.20
62.92
0
20
40
60
FY-08 FY-09 FY-10 FY-11 FY-12
Gross NPA & Net NPA (%)
(Amount in Rs crore)Asset Quality as at 30th Sep
Provision Coverage
3.41%
1.86%2.00%
2.50%
3.00%
3.50%
4.00%75.03%
70.55%
58.38%
71.20%74.70%
40%
50%
60%
70%
80%
49 49
1.86%
1.61%
1.27%
0.99%
0.71%
0.40% 0.43% 0.38%0.25%
0.00%
0.50%
1.00%
1.50%
2.00%
FY-08 FY-09 FY-10 FY-11 FY-12
Gross NPA Net NPA
0%
10%
20%
30%
40%
FY-08 FY-09 FY-10 FY-11 FY-12
(Amount in Rs crore)Asset Quality
Change in Gross NPA &Net NPA
Year ended31/03/2010
H1 ended30/09/2010
Year ended31/03/2011
H1 ended30/09/2011
Gross NPA 211 228 230 230
Gross NPA (%) 1.32% 1.27% 1.11% 0.99%
50
Asset Quality maintained at high level.Provision coverage comfortable
50
Gross NPA (%) 1.32% 1.27% 1.11% 0.99%
Net NPA 62 67 60 58
Net NPA (%) 0.39% 0.38% 0.29% 0.25%
(` in Crore)
Break-up of Provision
ParticularsYear ended31/03/2010
Year ended31/03/2011
Qtr ended30/09/2010
Qtr ended30/09/2011
For NPA advance 34.98 27.74 1.48 -0.23
For Depreciation onInvestments
-40.94 9.37 -2.99 10.88
For NPA investment 2.14 0.26 0.00 0.00
51 51
For NPA investment 2.14 0.26 0.00 0.00
For standard assets 6.43 21.60 3.59 7.39
For income tax 133.55 152.94 40.99 47.56
For Restructured advances 7.58 -0.05 -0.07 4.98
General Provision 33 20 5 0
Other impaired assets 0.07 0.84 -0.20 0.82
Total Provisions andContingencies
176.81 232.7 47.80 71.40
Performance Highlights
PerformanceHighlights
Jun-09 Sep-09 Dec-09 Mar-10 Jun-10 Sep-10 Dec-10Year
endedMar-11
Jun-11 Sep-11
CRAR Basel 2 (%) 15.08% 17.86% 17.35% 15.40% 15.99% 15.86% 14.89% 14.01% 13.51% 13.48%
Return on Assets(Annualised)
1.23% 1.30% 1.23% 1.07% 0.91% 1.03% 1.04% 1.05% 1.02% 1.05%
NIM (%) 3.30% 3.00% 3.30% 2.80% 2.80% 3.00% 3.00% 3.10% 2.80% 3.00%
Gross NPA's 231 213 214 211 223 228 254 230 236 230
Net NPA 83 56 57 61 65 67 74 60 63 58
(` in Crore)
52 52
Net NPA 83 56 57 61 65 67 74 60 63 58
Gross NPA (%) 1.85% 1.61% 1.46% 1.32% 1.33% 1.27% 1.33% 1.11% 1.07% 0.99%
Net NPA (%) 0.68% 0.43% 0.39% 0.39% 0.39% 0.38% 0.39% 0.29% 0.29% 0.25%
ProvisionCoverage
63.20% 73.30% 73.30% 70.50% 70.70% 70.10% 70.70% 73.64% 73.15% 74.70%
CASA 4551 4784 4999 5323 5852 5979 6045 6404 6790 7038
CASA 24.40% 24.30% 24.20% 23.10% 25.10% 23.90% 22.40% 21.55% 21.47% 21.30%
Deposits 18650 19688 20643 23012 23331 25060 26998 29721 31622 33038
Advances 12320 13059 14868 16115 16728 18029 19188 20799 22151 23348
Yield on advances 11.85% 11.68% 11.39% 11.14% 10.77% 10.61% 10.69% 10.90% 11.75% 12.11%
FUTURE STRATEGY
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Way Forward
1
Enhancing income
from distribution of
2
Ramping up low
cost as well as
3
Enhancing
productivity per
4
Focus on increasing
share of low cost
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third party
products
retail liabilities
franchise
branch/per
employee
NRI deposit base
54
Key Focus
Aims to open 60 branches & 120 ATMs this fiscal to boost network & take branch tally to701 by March 2012.
Aims to increase total business mix to Rs 1.25 lakh crore by March 2015.
To support business growth plan for the next 3 years, the bank has decided to raise Rs 1,000crore capital through QIP.
Enhancing income from distribution of third party productsEnhancing income from distribution of third party products
Ramping up low cost as well as retail liabilities.
Enhancing productivity per branch/per employee
Focus on increasing share of low cost NRI deposit base
Focus on improving share of gold loans
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IMPORTANT NOTICE
No representation or warranty, express or implied is made as to, and no reliance should be placed on, thefairness, accuracy, completeness or correctness of such information or opinions contained herein. The informationcontained in this presentation is only current as of its date. Certain statements made in this presentation may not bebased on historical information or facts and may be “forward looking statements”, including those relating to theCompany’s general business plans and strategy, its future financial condition and growth prospects, and futuredevelopments in its industry and its competitive and regulatory environment. Actual results may differ materiallyfrom these forward-looking statements due to a number of factors, including future changes or developments in theCompany’s business, its competitive environment and political, economic, legal and social conditions in India. Thiscommunication is for general information purpose only, without regard to specific objectives, financial situations andneeds of any particular person. This presentation does not constitute an offer or invitation to purchase or subscribe
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needs of any particular person. This presentation does not constitute an offer or invitation to purchase or subscribefor any shares in the Company and neither any part of it shall form the basis of or be relied upon in connection withany contract or commitment Important Notice whatsoever. The Company may alter, modify or otherwise change inany manner the content of this presentation, without obligation to notify any person of such revision or changes. Thispresentation can not be copied and/or disseminated in any manner.
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THANK YOU