1. FINANCIAL HIGHLIGHTS FOR THE 3RD QUARTER & NINE MONTHS ENDED
31ST DECEMBER 2018

2. PERFORMANCE HIGHLIGHTS- Q3 & 9M 2018-19
Total Business of the Bank stood at Rs. 4,66,601 crore in December 31, 2018 as against Rs. 4,75,148 crore in December 31, 2017.
Total Deposits stood at Rs. 2,95,419 crore in December 31, 2018 as against Rs. 2,95,446 crore in December 31, 2017.
Gross Advances of the Bank stood at Rs. 1,71,182 crore in December 2018 as against Rs. 1,79,702 crore in December
CASA percentage improved to % in December 2018 as against % in December 2017.
High Cost Deposits stood at Rs 806 crore in December 31, as against Rs crore in December 31, 2017.
Total Income for the quarter ended December 31, 2018 stood at Rs crore as against Rs crore for the quarter ended December 31, 2017.
Operating Profit of the Bank stood at Rs 715 crore for the quarter ended December 31,2018 as against Rs 866 crore for the quarter ended December 31,2017 and Rs 509 crore for the quarter ended September 30,2018
Bank incurred Net Loss of Rs. 718 crore for the quarter ended December 31, 2018 as compared to Net Loss of Rs crore for the quarter ended December 31, 2017 primarily due to higher NPA provisions for Rs 989 crores.
Net-Interest Income of the Bank stood at Rs crore for the quarter ended December 31, 2018 as against Rs crore for the corresponding quarter ended December 31, 2017.
Provision Coverage Ratio significantly improved to % as on December 31, 2018 as against % as on December 30, 2017 and % as on December 31, 2017.
CRAR under BASEL II is at 9.76 % with Tier I at 5.67 % whereas CRAR under BASEL III is 9.34 % with Tier I at 7.39 %. Government of India on has infused additional equity capital of Rs crore into the Bank as part of the Recapitalization of PSBs, which will further help the Bank to improve its capital adequacy ratios.
Net Interest Margin stood at 2.74 % in the quarter ended December 31, 2018 as compared to 3.06 % in the corresponding quarter as on December 31,

3. PERFORMANCE HIGHLIGHTS- Q3 & 9M 2018-19
(Rs. in crore)
PARAMETERS
Q3 & 9M
17-18 FY Q1
18-19 Q2
Y-o-Y
Growth
(Q3 FY 19 – o – Q3 FY 18)
(%)
Total Business
4,75,148
4,49,679
4,68,534
4,69,881
4,66,601
(1.80)
Total Deposits
2,95,446
2,96,671
2,93,595
2,95,692
2,95,419
(0.01)
Of which
Core Deposits
2,93,867
2,83,315
2,92,819
2,94,891
2,94,613
0.25
Of which HighCost Deposits
(% to total deposits)
1,579
(0.53)
13,356
(4.50)
776
(0.26)
801
(0.27)
806
(48.95)
Total Loans and Advances
1,79,702
1,53,008
1,74,940
1,74,189
1,71,182
(4.98)
Investments
1,02,017
93,792
1,11,879
1,07,826
1,18,287
13.75
CD Ratio
60.82
51.57
59.59
58.91
59.11
(2.89)

4. PERFORMANCE HIGHLIGHTS- Q3 & 9M 2018-19
(Rs. in crore)
PARAMETERS Q3
17-18 9M FY Q1
18-19 Q2
Y-o-Y
Growth
(Q3 FY 19 – o – Q3 FY 18)
(%)
Gross Income
6,590
20,357
26,659
5,905
6,197
6329
18431
(4.12)
Gross Expenses
5,724
18,171
23,926
5,521
5,688
5614
16823
(1.96)
Operating Profit
866
2,186
2,733
384
509
715
1608
(21.12)
Net Profit
(1664)
(2991)
(5,105)
(1,522)
(924)
(718)
(3164)
(131.75)
Net Interest Income
1,978
5,018
6,517
1,678
1,675
1816
5169
(8.92)
Net Interest Margin
3.06
2.50
2.47
2.61
2.62
2.74
2.64
(11.68)

5. PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19
BRANCH SEGMENTATION : AS ON 31ST DECEMBER, 2018
Total Branches
4666
Rural
1605
Semi Urban
1346
Urban
830
Metropolitan
885
ATMs
3887
USBs

6. BUSINESS

7. PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19
Segment-wise Deposits (Rs. in crore)
Deposits
Q3 & 9M
17-18 FY Q1
18-19 Q2
Y-o-Y
Growth
(Q3 FY 19 – o – Q3 FY 18)
(%)
Current
13,271
14,687
13,615
13,279
14,702
10.78%
Savings
1,06,918
1,10,509
1,11,814
1,15,361
1,17,174
9.59%
Total CASA
1,20,189
1,25,196
1,25,429
1,28,640
1,31,876
9.72%
Core Term
1,73,678
1,68,793
1,67,390
1,66,251
1,62,737
(6.72)
Total Core Deposits
2,93,867
2,93,989
2,92,819
2,94,891
2,94,613
0.25
High Cost
1,579
850
776
801
806
(95.90)
Total Deposits
2,95,446
2,94,839
2,93,595
2,95,692
2,95,419
(0.01)
CASA %
40.68
42.46
42.72
43.50
44.64
8.87

8. PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19
Loans and Advances Segment Wise (Rs. in crore)
PARTICULARS
Q3 & 9M 17-18 FY
17-18 Q1
18-19 Q2
Q3 & 9M
Y-o-Y
Growth
(Q3 FY 19 – o – Q3 FY 18) (%)
Total Loans & Advances
1,79,702
1,77,484
1,74,940
1,74,189
171182
(4.98))
Corporate Credit
57,407
64,560
54,187
55,320
54061
(6.19)
(% to total Loans & Advances)
31.95%
36.38%
30.97%
31.76%
31.58
(1.17)
Agriculture
36,682
30,776
37,502
36,827
35304
(3.90)
20.41%
17.34%
21.43%
21.14%
20.62
1.02
MSME
39,175
34,025
35,045
33,741
33560
(16.73)
21.80%
19.17%
20.03%
19.37%
19.60
(11.22)
Retail
46,438
48,123
48,206
48,301
48,257
3.77
25.84%
27.11%
27.56%
27.73%
28.19%
8.33
- Housing
20,444
21,392
21,714
22,107
22441
8.90
- Education
4,067
3,965
3,998
4,001
- Others
21,927
22,766
22,314
22,193

9. PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19
PRIORITY SECTOR LENDING (Rs. in crore)
Type of Advances
Q3 & 9M
17-18 FY Q1
18-19 Q2
Y-o-Y
Growth
(Q3 FY 19 – o – Q3 FY 18) (%)
Priority Sector Advances
(% to ANBC)
80,851
(40.78
73,284
(44.00)
87,412
(39.49)
28,297
(42.15)
81,149
(42.16)
0.37%
Agriculture
36,682
(18.50)
30,776
(18.48)
37,502
(18.70)
36,827
(19.80)
35,304
(18.34)
(3.76)
MSME (PS)
37,092
(18.71)
33,223
(19.95)
35,045
(14.95)
33,741
(17.28)
33,060
(17.18)
(10.87)

10. PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19
Performance of Retail Advances (Rs. in crore)
DESCRIPTION
Q3 & 9M FY Q1 Q2
Y-o-Y
17-18
18-19
Growth
(Q3 FY 19 – o – Q3 FY 18) (%)
HOUSING LOAN
20,444
21,392
21,714
22,107
22,441
9.77
EDUCATION LOAN
4,067
3,965
3,998
4,001
4,009
-1.43
CENT PERSONAL GOLD LOAN
808
793
776
755
715
-11.51
Cent Mortgage
8,690
8,980
8,836
8,734
8,593
-1.12
Cent Trade
5,118
5,471
5,256
5,422
5,400
5.51
Others
7,311
7,522
7,446
7,282
7,099
-2.90
Grand Total
46,438
48,123
48,026
48,301
48,257
3.92

11. PROFITABLITY

12. PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 PROFITABILITY (Rs. in crore)
PARAMETERS Q3
17-18 9M FY Q1
18-19 Q2
Y-o-Y
Growth
(Q3 FY 19 – o – Q3 FY 18) (%)
Gross Income
6,590
20,357
26,659
5,905
6,197
6329
18431
(4.12)
Gross Expenses
5,724
18,171
23,926
5,521
5,688
5614
16823
(1.96)
Operating Profit
866
2,186
2,733
384
509
715
1608
(21.12)
Net Profit
(1664)
(2991)
(5,105)
(1522)
(924)
(718)
(3164)
(131.75)

13. PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19
BREAK- UP : INTEREST INCOME (Rs. in crore)
PARAMETERS Q3
17-18 9M FY Q1
18-19 Q2
Y-o-Y
Growth
(Q3 FY 19 – o – Q3 FY 18)
(%)
Interest on Advances
3,796
11,080
14,478
3,328
3,317
33509
10004
(13.01)
Interest on Investments
1,766
5,266
7,138
1,982
2,034
2101
6115
(15.94)
Other Interest Income
465
2,058
362
127
336
325
1043
(43.08)
Total Interest Income
6,027
18,404
24,036
5,692
5,685
5785
17162
(4.18)

14. PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19
BREAK UP : NON INTEREST INCOME (Rs. in crore)
PARAMETERS Q3
17-18 9M FY Q1
18-19 Q2
Y-o-Y
Growth
(Q3 FY 19 – o –Q3 FY 18) (%)
Non Interest Income
563
1953
2623
213
512
544
1269
(3.49)
Of which:
Profit on sale of investments 97
523
577
(264) 59
139
(66)
30.21
Commission/ Exchange
356
877
1262
259
301
282
842
(26.24)
Recovery in written off a/cs 30
262
410
121 57 25
203
(20.00)
Profit on Exchange Transactions 33 91
141 38 34 32
104
(31.25)
Others 47
200
233 66
186
28.79
Total Income
6590
20357
26,659
5,905
6197
6329
18431
(41.24)

15. PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19
BREAK-UP : INTEREST EXPENSES (Rs. in crore)
PARAMETERS Q3
17-18 9M FY Q1
18-19 Q2
Y-o-Y
Growth
(Q3 FY 19 – o – Q3 FY 18) (%)
Interest on deposits
3,877
12,265
16,222
3,843
3,853
3824
11520
(1.38)
Interest on Sub-ordinated debts
123
349
449
105
107
112
323
(9.82)
Interest on borrowings/
refinance 49
772
843 66 50 31
146
(58.06)
Total interest Expenses
4,049
13,387
17,519
4,014
4,010
3969
11993
(2.01)

16. PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19
BREAK-UP : OPERATING EXPENSES (Rs. in crore)
PARAMETERS Q3
17-18 9M FY Q1
18-19 Q2
Y-o-Y
Growth
(Q3 FY 19 – o – Q3 FY 18) (%)
Establishment
1,068
3,070
3,984
966
1,016
1037
3019
(2.99)
II. Other Optg. Expenses
607
1,716
2,423
541
662
608
1811
0.16
Total optg. Expenses
1,675
4,786
6,407
1,507
1,678
1645
4830
(1.82)
Gross Expenses
5,724
18,171
23,926
5,521
5,688
5614
16823
(1.96)

17. PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 PROVISION (Rs. in crore)
PARAMETERS Q3
17-18 9M FY Q1
18-19 Q2
For NPAs
(Including Restructured Assets)
2868
(-198)
5510
(-376)
10,543
(-951)
2,540
(-135)
1,849
(-220)
2077
(-5)
6466
(-360)
On Standard Assets
(6) 45 7
(3)
(19)
(4)
(26)
Provisions on Investments
570
1134
799
502
441
(229)
714
Tax
(897)
(1481)
(2791)
(862)
(550)
(378)
(1790)
Others
(5)
(31)
266
(136)
(68)
(28)
(232)
Total Provision & Contingency
2530
5177
7,838
1,906
1433
4772
Provision Coverage Ratio
62.49
63.31
66.42
67.74
69.52

18. PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 PROFITABILITY INDICATORS (%)
PARAMETERS (%) Q3
17-18 9M FY Q1
18-19 Q2
Return on Assets
(2.13)
(1.25)
(1.61)
(1.85)
(1.11)
(0.86)
(1.27)
Yield on Advances
8.35
8.67
8.31
7.39
7.38
7.51
7.42
Yield on Investments
7.10
7.17
7.14
7.16
7.21
7.18
Cost of Deposits
5.29
5.57
5.53
5.25
5.23
5.24
Cost of Funds
5.39
5.92
5.79
5.37
5.31
8.72
8.76
Cost to Income Ratio
65.91
68.64
70.10
79.71
76.74
69.70
75.03

19. ASSET QUALITY
&
CAPITAL
STUCTURE

20. PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 NPA MOVEMENT (Rs. in crore)
PARAMETERS Q3
17-18 9M FY Q1
18-19 Q2
Gross NPAs: Opening Balance
31,641
27,251
38,131
38,778
37411
Add: Slippages
3,232
9,204
17,072
2,937
2611
2456
8004
Less: Deductions
1.Write Off
1,648
1,714
2,924
451
2734
4069
7254
2.Upgradation
159
700
785
535
(115) 7
427
3.Recoveries
575
1,550
2,403
1,304
1,359
458
3121
4.Reduction due to sale 80
Total Deductions
2,382
3,964
6,192
2,290
3,978
4534
10802
Gross NPAs
32,491
37,411
35333

21. PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19
NPA MOVEMENT (Rs. in crore)…..contd.
PARAMETERS Q3
17-18 9M FY Q1
18-19 Q2
Gross NPAs
32,491
38,131
38,778
37,411
35333
Gross Credit
1,79,702
1,77,484
1,74,940
174189
171182
Gross NPA as % of Gross Advances
18.08
21.48
22.17
20.64
Net Advances
1,62,045
1,56,542
1,52,064
1,52,397
151267
Net NPA
15,311
17,378
16,086
15,794
15605
Net NPA as % of Net Advances
9.45
11.10
10.58
10.36
10.32

22. PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19
SECTOR- WISE NPA (Rs. in crore)
SECTOR
Q3 & 9M
17-18 FY Q1
18-19 Q2
IRON & STEEL
5,111
4,986
4,107
4,311
4,513
ENGINEERING & MANUFACTURING
4,536
5,188
5,190
5,282
4,705
INFRASTRUCTURE
3,203
4,059
4,378
3,637
3,877
TEXTILES
2,535
2,660
2,742
1,457
1,121
CONSTRUCTION
1,097
1,717
1,721
1,943
1,537
POWER-GENERATION
2,108
3,404
3,240
3,166
2,822
GEMS & JWELLERY
738
1,164
1,162
1,093
515
OIL INDUSTRY
216
2,128
2,203
2,475
2,479
AVIATION
OTHERS
12,947
12,825
14,035
14,047
13,764
TOTAL
32,491
38,131
38,778
37,411
35,333

23. PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19
SEGMENT WISE NPA (Rs. in crore)
SECTOR
Q3 & 9M
17-18 FY Q1
18-19 Q2
Agriculture
(% to Sectoral Advances)
2,356
(6.63)
2,516
(7.36)
2,644
(7.92
2,717
(7.62)
2,788
(7.83)
Industry
24,118
(30.70)
29,838
(37.78)
30,124
(40.48)
27,703
(37.61)
25,056
(33.88)
Services
3,860
(20.14)
3,642
(15.57)
3,630
(14.91)
4,462
(26.93)
4,356
(32.75)
Retail
2,157
(4.64)
2,135
(4.44)
2,380
(4.95)
2,529
(5.23)
3,133
(6.48)
Others
Total
32,491
38,131
38,778
37,411
35,333

24. PERFORMANCE HIGHLIGHTS- Q3 FY 2018-19
RESTRUCTURED ASSETS (Amount Rs. in crore)
Below Rs 1 Crore
1 Cr. & Above
Total SL
DETAILS OF RESTRUCTURED ACCOUNTS
No of A/Cs
AMOUNT (Rs in Cr) 1
Total Restructured Assets position as on
15648
628.02
111
15759 2
- Of which NPA
2714
62.99 95
2809 3
Net Standard Restructured as on
12934
565.03 16
894.38
12950 5
% of Net Standard Restructured Advances Portfolio to Total Loans & Advances as on
0.33%
0.52%
0.85% 6
Fresh addition in Total Restructured Assets in Q3 FY
11136
504.73

25. PERFORMANCE HIGHLIGHTS- Q3/FY 2018-19 Total Restructured Assets
RESTRUCTURED ASSETS ( Rs. IN CRORES)
POSITION AS ON
Total Restructured Assets
CDR
Non-CDR
No. of A/Cs
Amt.
DECEMBER 2017
6856
9896 40
4784
6816
5112
MARCH 2018
5557
8236 33
3671
5524
4565
JUNE 2018
5253
7731 29
3396
5224
4335
SETEMBER 2018
4860
6552 26
2711
4834
3841
DECEMBER 2018
15759
6545 23
2230
15736
4315

26. PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19
Shareholding Pattern – 31st December 2018
Government of India
88.02
Bank & FI s
(Including Life Insurance Corporation of India)
8.87
FII s
0.31
Insurance Cos.
(Other than LIC)
0.22
Other Body Cos.
0.91
Public (Resident Individuals & HUF)
1.44
NRIs
0.03
Others
0.20

27. PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19
CAPITAL ADEQUACY (%)
Q3 & 9M
17-18 FY
18-19
BASEL II
CRAR
8.37
9.46
9.76
Tier I
4.54
5.50
5.67
Tier II
3.83
3.96
4.09
BASEL III
7.87
9.04
9.34
CET 1
5.87
7.01
7.39
AT 1 --
2.00
2.03
1.95

28. Total No. of Accounts opened Total : 1,26,20,980 Rural : 1,03,23,388
PERFORMANCE HIGHLIGHTS - Q3 & 9M
Overall status implementation of PMJDY as on
Sr. No.
Items
Progress
1.       
Total No. of Accounts opened
Total : 1,26,20,980
Rural : 1,03,23,388
Urban: 22,97,592
2.       
Out of (1) Aadhaar seeded account
1,00,90,458
3.       
Out of (1) No. of RuPay Debit Card issued
1,18,06,6000
4.       
O/S Balance in these accounts (Rs.)
Rs crores 5.
SSA Allotted to our Bank
7923 6.
SSA Coverage
Covered through Branch--1536
Covered through BC
Total SSA Covered

29. 44