ALLAHABAD BANK PERFORMANCE 31 Mar 2012
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ALLAHABAD BANK PERFORMANCE 31 Mar 2012

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ALLAHABAD BANK PERFORMANCE 31 Mar 2012

ALLAHABAD BANK PERFORMANCE 31 Mar 2012

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ALLAHABAD BANK PERFORMANCE 31 Mar 2012 ALLAHABAD BANK PERFORMANCE 31 Mar 2012 Presentation Transcript

  • 148 Years of Existence: A Brief History1865 : Founded by a group of Europeans at Allahabad,1923 : Head Office shifted to Kolkata,1969 : Nationalization - Business – ` 196 crore1991: Bank has floated wholly owned subsidiary AllBank Finance Ltd.2002 : Initial Public Offer – ` 100 crore,2005 : Follow on Public Offer – ` 100 crore,2006: - 1st overseas Branch & Representative office opened in Hong Kong & Shenzhen, China - Floated joint venture Insurance company Universal Sompo General Insurance,2007: Crossed ` 1 lac crore of business,2010: Crossed ` 2 lac crore of business,2010: Fully on CBS Platform,2012: 2500 plus branch network 1
  • A ProfileTotal Business : ` 271843 crore,Total Deposits : ` 159593 crore,Credit : ` 112250 crore,Investment : ` 54770 crore,Operating Profit : ` 3770 crore (FY2011-12)Net Profit : ` 1867 crore (FY,2011-12)Number of Branches : 2516International Operations : Representative Office at Shenzhen, China (2006) Branch at Hong Kong (2007)Subsidiary : AllBank Finance Ltd. (1991)Joint Venture : Universal Sompo General Insurance Company (2006) ASRECRegional Rural Banks : 2 (1 in UP & 1 in MP) Allahabad UP Gramin Bank Sharda Gramin Bank 2
  • Domestic Branch Network RURAL SEMI‐URBAN URBAN METRO Branches  19% 2516 41% Rural‐1033 20% S‐Urban‐493 20% Urban‐517 Metro‐4733000 Branches Branches opened 2415 2516 (12 months)2500 2259 2286 Rural‐40 Semi Urban‐392000 129 101 105 27 Urban‐9 Metro‐131500 Total‐101 FY09 FY10 FY11 FY12 3
  • Profit ` in crore Variation Variation Q4 Q4Sl. Parameters Mar11 Mar12 Q412 over Q411 2011-12 FY 11 FY 12 Amt. (%) Amt. (%) 1 Interest Income 11015 15523 3119 4168 1049 33.63 4509 40.93 2 Interest Expenses 6992 10361 1968 2880 912 46.34 3368 48.17 3 NII (Spread) (1-2) 4022 5163 1151 1288 137 11.91 1140 28.35 4 Non-Interest Income 1370 1299 469 355 -114 -24.35 -72 -5.23 5 Operating Expenses 2338 2691 841 742 -98 -11.69 353 15.10 6 Contribution (4-5) -968 -1393 -371 -387 7 Operating Profit (3+6) 3055 3770 780 901 121 15.52 715 23.42 8 Provisions 1631 1903 522 501 -22 -4.13 272 16.65 9 Net Profit 1423 1867 258 400 143 55.36 444 31.18 4
  • Profit Excl. Trading Profit ` in crore Variation Variation Q4 Q4Sl. Parameters Mar11 Mar12 Q412 over Q411 2011-12 FY 11 FY 12 Amt. (%) Amt. (%) 1 Operating Profit 3055 3770 780 901 121 15.52 715 23.42 2 Investment Trading Profit 160 113 13 59 47 365.73 -47 -29.34 Operating Profit from 3 2894 3657 767 842 74 9.70 762 26.34 Core Activities Variation Variation Q4 Q4Sl. Parameters Mar11 Mar12 412 over Q41 2011-12 FY 11 FY 12 Amt. (%) Amt. (%) 1 Net Profit 1423 1867 258 400 143 55.36 444 31.18 2 Investment Trading Profit 160 113 13 59 47 365.73 -47 -29.34 Net Profit from Core 3 1263 1754 245 341 96 39.20 491 38.86 Activities 5
  • Provisions ` in crore Variation Variation Q4 Q4Sl. Parameters Mar11 Mar12 Q412 over Q411 2011-12 FY 11 FY 12 Amt. (%) Amt. (%) 1 NPA 800 1183 330 411 81 24.44 383 47.93 2 Standard Advance 82 144 33 71 38 116.65 63 76.59 3 Depre. on Investment 131 220 90 -38 -128 -142.60 90 68.48 4 Income Tax 508 296 57 46 -10 -18.41 -211 -41.65 5 Others 111 59 13 11 -2 -17.77 -53 -47.32 6 Total Provision 1631 1903 522 501 -22 -4.13 272 16.65 6
  • Break-up : Income ` in crore Variation Variation Q4 Q4Sl. Parameters Mar11 Mar12 Q412 over Q411 2011-12 FY 11 FY 12 Amt. (%) Amt. (%) 1 Interest on Advances 8274 11664 2349 3076 728 30.99 3390 40.97 2 Interest on Investments 2670 3716 746 1040 294 39.35 1046 39.18 3 Other Interest Income 70 143 25 52 28 112.59 73 103.26 4 Interest Income (1+2+3) 11015 15523 3119 4168 1049 33.63 4509 40.93 5 Fee Based Income 857 953 300 277 -23 -7.68 96 11.20 6 Trading Profit 160 113 13 59 47 365.73 -47 -29.34 7 Other Income 353 233 157 19 -138 -87.75 -121 -34.13 Non-Interest Income 8 1370 1299 469 355 -114 -24.35 -72 -5.23 (5+6+7) 9 Total Income (4+8) 12385 16822 3589 4523 935 26.05 4437 35.82 7
  • Fee Based Income ` in crore Variation Variation Q4 Q4Sl. Parameters Mar11 Mar12 Q412 over Q411 2011-12 FY 11 FY 12 Amt. (%) Amt. (%)1 Bills/LC/BG 237 272 62 63 1 2.26 35 14.572 Locker Rent 24 28 3 3 1 19.86 3 14.143 Processing Fees 251 225 113 44 -69 -61.27 -26 -10.364 Exchange 95 130 10 41 31 307.00 35 37.365 Others 250 298 78 125 47 60.83 48 19.316 Total 857 953 300 277 -24 -7.83 96 11.16 8
  • Forex Turn Over & Income ` in crore Variation Variation Q4 Q4 Q412 Parameters Mar11 Mar12 2011-12 FY 11 FY 12 over Amt. (%) Amt. (%)Export Turnover 12812 16914 4542 4644 102 2.25 4102 32.02Import Turnover 12004 18389 4243 7142 2899 68.32 6385 53.19Remittances 5111 10659 2013 3361 1348 66.96 5548 108.55Merchant Turnover 29927 45962 10798 15147 4349 40.28 16035 53.58(a+b+c)Inter-Bank Turnover 393244 548143 109917 113885 3968 3.61 154899 39.39Total Turnover (d+e) 423171 594105 120715 129032 8317 6.89 170934 40.39 Q4 Q4 Variation Variation Parameters Mar11 Mar12 Q412 2011-12 FY 11 FY 12 Amt. (%) Amt. (%)Commission/ Exchangeearned by all Authorised 104 124 21 27 6 28.57 20 19.23BranchesInter-Bank (FCTM) 56 101 24 33 9 37.50 45 80.36Total 160 225 45 60 15 33.33 65 40.63 9
  • Break – up : Expenditure ` in crore Variation Variation Q4 Q4Sl. Parameters Mar11 Mar12 Q412 over Q411 2011-12 FY 11 FY 12 Amt. (%) Amt. (%) 1 Interest Paid on Deposits 6498 9743 1809 2713 903 49.94 3245 49.93 2 Interest Paid on Borrowings 494 618 159 167 9 5.39 124 25.08 3 Total Interest Paid (1+2) 6992 10361 1968 2880 912 46.34 3368 48.17 4 Establishment Expenses 1558 1834 602 495 -107 -17.82 277 17.77 5 Other Operating Expenses 781 857 238 247 9 3.81 76 9.76 6 Operating Expenses (4+5) 2338 2691 841 742 -98 -11.69 353 15.10 7 Total Expenses (3+6) 9331 13052 2809 3622 814 28.97 3722 39.89 10
  • Cost & Yield Ratio Q4 Q4Sl. Parameters Mar11 Mar12 FY 11 FY 12 1 Cost of Deposit (%) 5.83 7.07 6.01 7.34 2 Cost of Borrowings (%) 6.07 5.80 5.90 5.88 3 Cost of Fund (%) 5.85 6.98 6.00 7.23 4 Yield on Advances (%) 10.50 12.09 10.71 12.02 5 Yield on Investment (%) 7.04 7.56 7.20 7.67 6 Yield on Fund (%) 9.19 10.48 9.46 10.46 7 Net Interest Margin (%) 3.38 3.48 3.49 3.23 11
  • Trend of Net Interest Margin (NIM) NIM % ‐ Trend 3.48 3.5 3.383.25 2.94 3 2.882.75 2.61 2.52.25 2 FY 08 FY 09 FY 10 FY 11 FY 12 12
  • Profitability Ratios Q4 Q4Sl. Parameters Mar11 Mar12 FY 11 FY 12 1 Return on Assets (%) 1.11 1.02 0.74 0.88 2 Return on Networth (%) 21.04 19.35 14.03 16.60 3 Operating Profit to AWF (%) 2.37 2.36 2.24 2.11 4 Cost to Income Ratio (%) 43.36 41.65 51.87 45.17 5 Estab. Exp. to Total Exp. (%) 16.69 14.06 21.45 13.67 6 Operating Exp. to AWF (%) 1.82 1.69 2.42 1.74 7 Book Value Per Share (Rs) 178.64 192.93 178.64 192.93 Earnings per share (Rs) 8 31.85 39.18 5.76 8.40 (Annualised) 13
  • Business ` in crore VariationSl. Parameters Mar10 Mar11 Mar12 2011-12 2010-11 Amt. (%) Amt. (%) 1 Total Business 178493 226458 271843 45385 20.04 47965 26.87 2 Total Deposit 106056 131887 159593 27706 21.01 25831 24.36 3 Total Advances 72437 94571 112250 17679 18.69 22134 30.56 Credit Deposit 4 68.93 72.18 71.00 Ratio (%) 14
  • Deposit ` in crore VariationSl. Parameters Mar10 Mar11 Mar12 2011-12 2010-11 Amt. (%) Amt. (%) 1 Total Deposit 106056 131887 159593 27706 21.01 25831 24.36 2 Aggregate Deposit 105086 131026 158091 27064 20.66 25941 24.69 3 CD 14609 17656 18000 344 1.95 3047 20.863a CD % to total dep. 14 13 11 4 Core Deposit 90858 114022 141570 27548 24.16 23164 25.49 Core Dep. in Total 5 85.67 86.45 88.71 Dep. (4/1) 6 SB Deposit 28271 35000 39130 4130 11.80 6729 23.80 7 Current Deposit 8316 9156 9538 382 4.17 840 10.11 8 CASA Deposit 36587 44156 48668 4512 10.22 7570 20.69 CASA Share in 9 34.82 33.70 30.78 Agg. Deposit (%) Retail Term10 53301 69005 91400 22395 32.45 15704 29.46 Deposit 115
  • Advance ` in crore VariationSl. Parameters Mar10 Mar11 Mar12 2011-12 2010-11 Amt. (%) Amt. (%)1 Total Advances 72437 94571 112250 17679 18.69 22134 30.561a Food Credit 1457 1776 1914 138 7.77 319 21.89 Non-Food Gross Bank1b 70980 92795 110336 17541 18.90 21815 30.73 Credit Of Which(1) Priority Sector Credit 24279 30764 37396 6633 21.56 6484 26.71 Agriculture & Allied(2) 11567 13387 16590 3203 23.93 1819 15.73 Actvities(3) MSE 8188 11990 16182 4192 34.96 3802 46.44(4) MSME 9771 14383 18446 4063 28.25 4613 47.21(5) Retail Credit, of which 10082 13029 15114 2085 16.00 2947 29.23 Housing/ Mortgage Loans 6016 7140 8080 941 13.17 1124 18.68 Personal Loans 1786 1331 1320 -11 -0.81 -455 -25.49 Education Loans 826 1040 1180 140 13.45 214 25.96 Trade Loans 638 2225 2919 693 31.16 1587 248.78 Commercial Vehicle 71 433 603 170 39.30 362 508.08 Other Retail Loans 745 860 1012 152 17.73 115 15.39 16
  • Industry-wise Deployement Mar10 Mar11 Mar12 ` in croreSl. Major Industry wise % of % of total % of totalNo. Deployment Amt. total Amt. advances Amt. advances advances1 Minning & Quarrying 67 0.09 508 0.54 132 0.122 Food Processing 1132 1.56 1633 1.73 2725 2.433 Textiles 1853 2.56 1877 1.98 3278 2.924 Chemical & Chemical Products 2172 3.00 2274 2.40 3974 3.544a Cement & Cement Products 341 0.47 467 0.49 588 0.525 Basic Metal & Metal products 4638 6.40 6387 6.75 7645 6.815a Iron & Steel 4077 5.63 5508 5.82 6351 5.666 Engineering Products 3166 4.37 2846 3.01 3334 2.977 Infrastructure 12714 17.55 17976 19.01 20380 18.167a Power 7433 10.26 12095 12.79 13431 11.977b Tele-communication 1651 2.28 746 0.79 666 0.59 Industry 33695 46.52 41742 44.14 49053 43.70 (Small, Medium & large) Others 38742 53.48 52829 55.86 63197 56.30 Total Advances 72437 100 94571 100 112250 100 18
  • Investment ` in crore VariationSl. Parameters Mar10 Mar11 Mar12 2011-12 2010-11 Amt. (%) Amt. (%)1 Gross Investment 38680 43545 54770 11225 25.78 4864 12.582 Held To Maturity (HTM) 23863 28365 36542 8178 28.83 4501 18.863 Available For Sale (AFS) 14810 15151 18208 3057 20.18 341 2.304 Held For Trading (HFT) 7 29 20 -9 -31.44 22 319.715 Duration (AFS+HFT) 2.52 2.65 2.77 Modified Duration6 2.42 2.53 2.62 (AFS+HFT) 07 Total Duration 4.82 4.55 4.338 Total Modified Duration 4.64 4.38 4.14 Net Demand & Time9 101378 124710 149524 24814 19.90 23331 23.01 Liabilities10 SLR (%) 30.75 28.28 30.3811 HTM to SLR (%) 76.56 80.42 80.44 HTM to Gross12 61.69 65.14 66.72 Investment (%) 18
  • NPA RatiosSl. Parameters Mar11 Mar12 1 Net NPA (%) 0.79 0.98 2 Gross NPA (%) 1.74 1.83 3 Provision Coverage Ratio (%) 75.67 74.00 4 Recovery Ratio (%) 49.19 49.74 5 Slippage Ratio (%) 2.21 2.40 19
  • Quarterly NPA Movement ` in crore FY-2011-12Sl. Parameters Jun11 Sep11 Dec11 Mar12 Qtr Qtr Qtr Qtr 1 NPA as at the beginning of Qtr. 1647.92 1604.37 1715.17 1886.96 2 Cash Recovery Incl. Compromise 115.18 98.07 52.67 98.81 3 Upgradation 80.17 61.95 120.12 192.83 4 Write Off done in the Qtr. 0.00 250.01 251.04 500.15 5 Total Reduction 195.35 410.03 423.83 791.79 6 Fresh Addition for the Qtr. 151.80 520.83 595.62 963.81 7 NPA as at the end of Qtr. 1604.37 1715.17 1886.96 2058.98 8 Provisions for Bad Debts 1015.78 1051.05 1090.99 967.28 9 Net NPAs 588.59 664.12 795.97 1091.70 Recovery in written-off debt A/Cs10 51.73 36.53 98.03 19.00 Intt. Received/derecognised Intt. Recovery in NPA including written-11 247.08 196.55 270.82 310.64 off debt A/Cs 20
  • Movements of NPA ` in croreSl. Parameters Mar11 Mar12 NPA as at the beginning of 1 1221.80 1647.92 Yr./Qr. 2 Cash Recovery Incl. Compromise 275.92 364.73 3 Upgradation 325.13 455.07 4 Write Off 719.90 1001.20 5 T otal Reduction 1320.95 1821.00 6 Fresh Addition 1747.07 2232.06 7 NPA as at the end of Year 1647.92 2058.98 8 Provisions 911.55 967.28 9 Net NPAs 736.37 1091.70 Recovery in written-off debt A/Cs10 328.11 205.29 Intt. Received/derecognised Intt. Recovery in NPA including11 929.16 1025.09 written-off debt A/Cs 21
  • Restructured Accounts ` in crore Application Outstanding as on Sanctioned Received 31.03.12Sl. Particulars No. Amt. No. Amt. No. Amt. 1 Below Rs. 1 Crore 51265 1154 51265 1154 12461 390 2 Rs. 1 Crore & above 312 8134 312 8134 227 5963 3 Total 51577 9288 51577 9288 12688 6353 4 Out of which up to 31.03.2011 44267 4847 44267 4847 5383 1913 5 Out of which during 2011-12 7305 4440 7305 4440 7305 44405a During Apr-Dec11 5924 1800 5924 1800 5924 18005b During Jan-Mar12 1381 2640 1381 2640 1381 2640 6 Standard 50737 9129 50737 9129 10711 5964 7 NPA 840 158 840 158 1977 389 22
  • Sector wise Restructured Accounts ` in crore Sl. Particulars Mar11 Mar12 Slippage to NPA Mar12 1 Agriculture 249 255 74 No./ Under SMESl. Particulars Others Total Amt. CDR Debt 2 Housing 118 81 6 3 Real Estate 180 73 0 4 Hotel 121 178 0 Standard No. 20 2284 8407 107111 5 Trading 122 239 74 Advances Amt. 931 645 4389 5964 6 Industry, of which 1660 5187 161 No. 1 469 564 1034 Sub-Standard Aviation 46 568 02 Advances Amt. 9 89 221 319 Cement 68 65 0 Chemical 149 158 65 Doubtful No. 0 284 659 9433 Engineering 202 197 3 Advances Amt. 0 10 61 71 Food Processing 44 308 7 Iron & Steel 402 905 14 No. 21 3037 9630 12688 Paper 62 63 04 Total Pharmaceutical 7 162 3 Amt. 940 743 4670 6353 Sugar 129 79 0 Tea 41 24 0 Textiles 228 604 7 Power 0 1453 0 Road & Port 0 119 0 Other Infra. 282 269 49 Construction 0 70 0 Computer & Soft 0 90 0 Other Ind.-Mfg. 0 55 13 7 Others 366 339 75 8 Total 2815 6353 389 23
  • Capital Adequacy Ratio (%) ` in crore Particulars Mar10 Mar11 Mar12Capital FundT ier I 6176 7897 9912T ier II 4190 4045 4023T otal (Tier I+II) 10365 11942 13935Risk-weighted Assets 76077 92158 108575Capital Adequacy Ratio (%) 13.62 12.96 12.83T ier I (%) 8.12 8.57 9.13T ier II (%) 5.50 4.39 3.71RWA/ Working Fund (%) 62.51 60.92 59.35 HeadParticulars RoomInnovative Perpetual Debt 1150Upper T ier II 5800of which Subordinated Debt 2850T otal 6950 24
  • Ratios :Productivity & Market ShareSl. Parameters Mar10 Mar11 Mar12 1 Deposit Market Share (%) 2.24 2.31 2.61 2 Credit Market Share (%) 2.15 2.23 2.39 3 Business Per Branch (Rs. Cr.) 77.62 93.38 108.05 4 Busines Per Employee (Rs. Cr.) 8.45 10.63 12.17 5 Profit per Employee (Rs. Lac) 5.76 6.70 8.36 25
  • Productivity110 108.05 14100 93.38 1290 77.62 12.1780 10 10.6370 860 8.4550 640 43020 2 Mar10 Mar11 Mar12 Business per Branch Business per Employee 26
  • Shareholding Pattern (As on 31.03.2012) GoI Shareholding Pattern 1.59% Indian FIIs/MFs 9.70% FIIs 12.54% Res. Indians Others 55.24%20.93% 27
  • Consistent Performance 28
  • New InitiativesBank has entered into a strategic alliance with M/S AdityaBirla Money Ltd for providing online-trading facility to theDemat customers of the Bank.Bank has signed a MOU with M/s American Express BankingCorporation for issuance of “Program Cards” i.e.Charge/Credit Cards to the customers of the Bank.Bank has launched Point of Sales (POS)/Electronic DataCapture (EDC) machines at Merchants’ Sites for acquiringMerchant Business.Centralized Back office for Account Opening, Delivery ofcheque-books, ATM/Internet banking kit etc. at 8 centers inIndia.Bank has developed a collection module which is beingimplemented in CBS to facilitate collection of insurancepremium over the counter at all CBS branches of the bank.Bank has introduced two Interactive Voice Response (IVR)System one with Hindi Prompt to be used for PhoneBanking and the other one for dealing with the ATM relatedissues. 30 29
  • New InitiativesBank has signed MOU with ICRA Limited for Credit Ratingof Micro & Small Enterprises.We have established Central Processing Hub (CPH) at 15places across India for speedy clearingoperations/payment settlements. This reduces the TATfor service provision.We have also established the Centralized Pensionprocessing Centre (CPPC) for Central Government andstate Government at Lucknow.Bank has developed a Web Portal for corporatecustomers to facilitate online payments like dividendpayments/ salary payments /suppliers & expensespayments and claims etc.Issuance of Co-branded AMEX credit/charged cards.Door steps Cash pickup & Delivery for PSUs/CorporatesSale of E-stamps under tie up with SHCI. 30
  • Financial InclusionBank has covered all the 2618 allotted villages as onMarch’12 by way of opening full scale Brick & Mortarbranches in 30 villages, Satellite branches in 4 villagesand operating mobile branches in 22 villages andopening BC outlets in all remaining 2562 villages.During FY2012, 673029 no frill accounts have beenopened in FI implemented villages. 159843 No Frillsaccounts opened through Business Correspondents uptoMarch’12.No. of smart cards issued upto March’12 in the FI villagesis 131580.Bank has completed the total enrolment of 3, 80,093 UIDout of which 2,24,009 UID numbers have been issued toresidents.Bank has opened 148 Ultra Small Branches on theBank’s foundation day of 24th April 2012 in the States ofU.P, W.B, Jharkhand and Uttarakhand. 31
  • Accolades & AchievementsFIBAC Banking Award-2011-best bank forinitiatives in Inclusive Banking.UTI MF & CNBC-TV 18 Financial AdvisoryAward 2012- best bank: PSU CategoryIndira Gandhi Rajbhasha Prize (first Prize).Our Bank is positioned 4th fastest growingbank and 5th efficient bank among 57 SCBsas per Business World Award 2011. 32
  • GuidenceBusiness Projection for March 2013 - Business Rs. 3,30,000 crores Deposit Rs.1,92,000 crores Advances Rs.1,38,000 crores 33
  • Thank You 34