INVESTOR PRESENTATION Q4FY19

INVESTOR PRESENTATION

Q4FY19

Standalone Highlights Q4FY19

PAT

NIM*

LOANS

NET NPA

` 1,408 cr

[` 1,124 cr]

4.48%

[4.33%]

` 205,695 cr

[` 169,718 cr]

TOTAL ASSETS

` 312,172 cr

[` 264,933 cr]

CAR 17.5%

[18.2%]

Tier I 16.9%

[17.6%]

Figures in [brackets] are Q4FY18 numbers * Doesn't include dividend income and interest on income-tax refund

BRANCHES

1,500

[1,388]

0.75%

[0.98%]

CASA

52.5%

[50.8%]

Balance Sheet crosses ` 300,000 cr; Net Advances crosses ` 200,000 cr

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Profit and Loss Account

` cr Net Interest Income Other Income

Fee and Services Others

Net Total Income Employee Cost Other Operating Expenses Operating Expenditure Operating Profit Provision On Adv/Receivables (net) Provision On Investments Provision & Contingencies PBT Provision For Tax PAT

Q4FY19 3,048 1,270

1,187 83

4,318 857

1,179 2,036 2,282

240 (69) 171 2,111 703 1,408

Q4FY18 2,580 1,151

1,009 142

3,731 766 947

1,713 2,018

175 132 307 1,711 587 1,124

Q3FY19 2,939 964

1,038 (74)

3,903 837

1,128 1,965 1,938

256 (287) (32) 1,971

680 1,291

FY19 11,259

4,604

4,233 371

15,863 3,159 4,356 7,515 8,348 976 (14) 962 7,386 2,521 4,865

FY18 9,532 4,052

3,454 598

13,584 2,930 3,496 6,426 7,158 743 197 940 6,218 2,134 4,084

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Presentation in P& L of Investment Depreciation

In accordance with RBI communication, provision for mark-to-market depreciation on AFS and HFT investments continue to be presented under Provisions & Contingencies

` cr (As reported) Other Income Net Total Income Operating Profit Provision & Contingencies Cost-to-Income Ratio (%)

Q4FY19 Q4FY18 Q3FY19

1,270

1,151

964

4,318

3,731

3,903

2,282

2,018

1,938

171

307

(32)

47.1

45.9

50.3

FY19 4,604 15,863 8,348

962 47.4

FY18 4,052 13,584 7,158

940 47.3

If above provision for mark-to-market depreciation were treated as part of "Other Income", the adjusted income and provisions will be:

` cr (Adjusted for depreciation)

Q4FY19 Q4FY18 Q3FY19

FY19

FY18

Other Income

1,377 1,055 1,235 4,668 3,933

Net Total Income

4,425 3,635 4,175 15,927 13,465

Operating Profit

2,389 1,921 2,210 8,412 7,039

Provision & Contingencies

278

210

239 1,026

821

Adjusted Cost-to-Income ratio (%)

46.0

47.1

47.1

47.2

47.7

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Advances

31-Mar-19 (` 205,695 cr)

Advances growth: 21% YoY

Advances

` cr

31-Mar-19 31-Mar-18 31-Dec-18

Corporate Banking

61,889

52,133

62,972

CV/CE

19,706

15,202

17,999

Agriculture Division

26,991

22,916

23,742

Business Banking

18,215

18,269

18,012

Home Loans and LAP

40,722

32,429

38,305

Small Business, PL & Credit Cards

33,164

25,129

31,085

Others Total Advances

5,008 205,695

3,640 169,718

4,317 196,432

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