1 / 41

PERFORMANCE HIGHLIGHTS OF INDIAN BANK 2009-10

a. PERFORMANCE HIGHLIGHTS OF INDIAN BANK 2009-10. BUSINESS CROSSED. Rs. 1,50,000,00,00,000. NET PROFIT CROSSED. Rs. 1,500,00,00,000. a. Awards and Accolades Won. Ranked No. 1 Bank among Public Sector Banks by Hindustan Times -MARS Consumer Satisfaction Survey (2010).

craig
Download Presentation

PERFORMANCE HIGHLIGHTS OF INDIAN BANK 2009-10

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

  1. a PERFORMANCE HIGHLIGHTS OF INDIAN BANK 2009-10

  2. BUSINESSCROSSED Rs.1,50,000,00,00,000

  3. NET PROFIT CROSSED Rs.1,500,00,00,000

  4. a Awards and Accolades Won • Ranked No. 1 Bank among Public Sector Banks by Hindustan Times -MARS Consumer Satisfaction Survey (2010). • Fastest growing Bank and 2nd best Bank by Business World. • Ranked 6th among 39 big banks for the year 2008-09 by Business Today. • Placed in the top 500 Global Financial Brands 2009 by Banker Magazine. • Ranked at 1568th position for the year 2010 (1659th position for 2009) by FORBES 2000. • Won the IBA AWARD for “Best Risk Management Initiatives” under Public Sector Banks category for the year 2009. a 4

  5. a Rating • LAA+ Rating with positive outlook for Tier II bonds by ICRA. • “BBB-” Long Term and A- 3 Short Term Rating by Standard & Poor. a 5

  6. a Synopsis of Performance • The Board of Directors have recommended a dividend of 65% (Rs.6.50 per share) including the interim dividend of 25% (Rs.2.50 per share) already paid in March 2010. • Bank’s Business grew at 24% CAGR in the last 4 years - Crossed Rs.1,50,000 crore mark. • Return on Assets at 1.7%. • Improved Efficiency with cost income ratio of 38.64% • Robust Net Profit growth with upward bias from Rs.1245 crore last year to Rs.1555 crore. • Gross NPA at 0.81% and Net NPA at 0.23% • Expanded network by addition of 114 branches and 250 ATMs during the year. a

  7. a BUSINESS PERFORMANCE - 2009-10 a

  8. a Operating Profit • 2009-10: Up by Rs.691.52 Crore (33.63%) to Rs.2747.35 Crore from Rs. 2055.83 Crore • Qtr.Mar. 10: Up by Rs.319.61 Crore (57.82%) to Rs.872.33 Crore from Rs. 552.72 Crore Rs. in crore Q4 2009-10 2009-10 Rs.872.33 Cr Up by 57.82 % Rs.2747.35 Cr Up by 33.63% a

  9. a Net Profit • 2009-10: Up by Rs.309.67 Crore (24.87%) to Rs.1554.99 Crore from Rs. 1245.32 Crore • Q4 2009-10: Up by Rs.15.89 Crore (4.03%) to Rs.409.96 Crore from Rs. 394.07 Crore. This is marginal owing to higher provisioning during this quarter to strengthen the health of the Bank. Q4 2009-10 2009-10 Rs.409.96 Cr. up by 4.03% Rs.1554.99 Cr. Up by 24.87% Rs. in crore a

  10. a Growing Net Interest Income (Rs. in core) CAGR (5 years) 23.03% a

  11. a Profit and Loss Statement Rs. In Crore a

  12. a Share Holders Value 12

  13. a Profitability 13

  14. a Productivity 14

  15. a Networth (Rs. in crore) Net worth improved by 19.85% to Rs.7047 crore from Rs.5880 crore 15 a

  16. a Capital Adequacy (Rs. in crore) Bank is adequately capitalised. a

  17. a Business Highlights Rs.88,228 cr Rs.1,50,886 cr 21.56% 21.28% Rs.72,582 cr Rs.1,24,413 cr Global Business Global Deposits Rs.62,658 cr 20.89% Rs.51,831 cr Global Gross Advances a

  18. a Deposits Global (Rs. in crore) (Rs. in crore) • Global Deposits Improved by Rs.15,646 Crore (21.56%) to Rs.88,228 Crore from Rs.72,582 crore. • ‘Movement BANYAN VRIKSH – Vision 2010’ added about 7 lakh customers a

  19. a Credit Growth • Gross advances grew by Rs. 10,827 Crore (20.89%) to Rs.62,658 Crore from Rs.51,831 crore. • CD Ratio (gross) at 71.02%. (20.89%) (28.84%) (36.36%) (28.40%) (21.69%) 17 a

  20. a Advances - Composition (Rs. in crore) a

  21. a Priority Sector Lending - Highlights Rs.9,144 crore Rs.21,665 crore 16.67% 17.58% Rs.7,838 crore Rs.18,426 crore Priority Sector advances Agriculture advances Rs.6,129 crore 25.78% % Rs.4,873crore MSE Advances a

  22. a Priority Sector Lending - Composition • Priority sector credit as percentage to Adjusted Net Bank Credit (ANBC) was 44.38% as against the prescribed norm of 40%. • Agricultural credit as percentage to Adjusted Net Bank Credit (ANBC) was 18.73% as against the prescribed norm of 18%. • 4.11 lakh new farmers financed during the year, working out to 432 farmers per Rural / Semi urban Branch as against the norm of 250. (Rs. in crore) a

  23. a Capacity Building Initiatives • Rural Training Centre at Karaikudi, Tamil Nadu conducted 178 training programmes benefiting 4442 persons. • Bank’s co-sponsored Andhra Pradesh Bankers’ Institute of Rural &Entrepreneurship Development -APBIRED, Hyderabad conducted 72 training programmes benefiting 1952 persons. • “Indian Bank Trust for Rural Development’’ (IBTRD), established a Financial Literacy and Credit Counseling (FLCC) centre at Dharmapuri and Puducherry. • RUDSETI model training institutes “Indian Bank Self Employment Training Institute” (INDSETI) at 5 centres conducted 90 training programs benefiting 2457 individuals. a

  24. a Financial Inclusion Initiatives • 22.31 lakh No-Frills accounts opened in 4637 villages. • Overdraft / General Credit Card facility allowed in 52,678 accounts to the tune of Rs.11.60 crore. • 100% FI in UT of Puducherry, Cuddalore (TN) & Kollam (Kerala) and 11 other Lead Districts. • 100% FI completed in Nilgiris (ST concentrated), Tiruvarur (SC concentrated) and Kanniyakumari (minorities concentrated) districts of Tamil Nadu as per RBI directions. • Janashree Bima Yojana (JBY) insurance cover to 54,177 members during the year taking the cumulative coverage to 1.30 lakh members. a

  25. a Lending to SHGs – Continued Thrust Rs. in crore • Adjudged as the “Best Performing Bank in the State of Tamil Nadu – First Place’ for the year 2008-09 in extending credit to SHGs. • Established 27 MICROSATE Branches (specialized Branches for Micro finance) of which 5 were opened during 2009-10. a

  26. a Education Loan Rs. in crore • On-line Education Loan Application system received 1932 applications and sanctioned to 1241 students with loan amounting to Rs.45.43 crore. • Interest concession of 0.50% extended on applicable rate on fresh education loan sanctioned to girl students. a 26

  27. a Personal Banking Product wise (Rs. in crore) a

  28. a Initiatives for Improving Credit to SME • MSME advances grew by Rs. 1799 crore (28.14%) to Rs.8193 crore from Rs. 6394 crore (31.3.2009). • 878 accounts covered under CGTMSE scheme amounting to Rs.47.66 crore. • Tie up with M/S BEML for financing to contractors for purchase of the Companies products. • Credit facilities upto Rs.5 lakh sanctioned without any collaterals to all eligible Micro and Small Enterprises units and such accounts are covered under CGTMSE. • Tie up with MSME DI, BYST, MICOBOSCH after careful analysis of individual cases. • Central Processing Units in 9 key centres at Ahmedabad, Bangalore, Chennai, Coimbatore, Kancheepuram, Kolkata, Mumbai, New Delhi and Pune. • 62 Specialised SME Branches for the focused attention and growth of SME portfolio. a

  29. a NPA Management • Provision coverage Ratio is at 93.65% against the regulatory norm of 70%. • Bank has been consistently proactive and vibrant in recovering the money blocked in stressed assets category. • All the fora available like Lok Adalat, DRT, SARFAESI, Negotiated Settlement have been effectively utilised for resolution of NPAs. a

  30. a NPA Management (Rs. In Crore) GROSS NPA (%) NET NPA (%) 30 a

  31. a Restructured Accounts (Rs. in Crore) 31 a

  32. a Pattern of Shareholding as on 31.03.2010 • Total share capital - Rs.829.77 Crore • Of which : Perpetual Non Cumulative Preference Share Capital of Government of India - Rs.400 Crore a 32

  33. a Distribution Channels Opened 100 plus branches consecutively for the last three years and 114 in 2009-10 Plans to improve Pan-India presence keeping intact its strong hold in South A 33

  34. a Technology Initiatives • Contactless smart cards used to make payment of wages under National Rural Employment Guarantee Act and Social Security Pension in select districts of Andhra Pradesh. • Utility bills payment enabled for net banking customers. • Payment of electricity bills to Tamil Nadu Electricity Board through net banking and also enabled through ATM/Debit Cards. • 100% CBS in all Regional Rural Banks (3) sponsored by the Bank. a 34

  35. a Technology Initiatives (contd.) a 35 • Anti-phishing measures initiated. • 3D Secure Authentication services implemented. • Applications Supported by Blocked Amount (ASBA) module implemented. • Banking through ICT based smart card operation introduced in Chettipattu village in the service area of Thirukkanur Branch and Sorakolathur village in Tiruvannamalai district of Tamilnadu.

  36. a HR Initiatives • Succession planning initiated with recruitment and promotion of staff. • “E-learning” system in place enabling the staff to gain expertise/knowledge in all areas of banking • Internal training to officers and staff on continuous basis at regular intervals, updating their skill & knowledge. a 36

  37. a Customer Service • “Booklet on Customer Centric Services” available in all Branches for awareness with regard to redressal mechanism, policies, codes, Citizens’ Charter, KYC norms, rules for operating the accounts etc. • Monthly Joint Customer Service Committee meetings conducted in all Branches for redressal of complaints/grievances. • Banking Codes and Standards Board of India (BCSBI) code ported in our website www.indianbank.in and copies to be made available in various languages. a 37

  38. a Corporate Social Responsibility • Indian Bank is No.1 organisation in the state of Tamil Nadu receiving awards continuously for the last 22 years in the Blood donation movement. • Free eye screening camp for School Children and Senior Citizens wherein 900 people were screened and 130 Senior Citizens were treated for Cataract. • Donated uniforms to the Children of SEERS – an organisation working for uplifting street children. • Uniforms, Note Books, Stationary items, Fans etc. were donated to 2 needy organisations by “CONCERN’, the Employees Social Service Movement of the Bank. a 38

  39. Bank’s Mission – Bouquet of Services a

  40. a Looking Ahead • To bring in younger customers leveraging Technology to make Indian Bank ‘the Bank for younger generation’. • Focus on unbanked areas and make banking inclusive. • To open around 400 new Branches in next two years • Total business to cross Rs.1,85,000 crore by March 2011 and Rs.2,25,000 crore by March 2012. • To improve CASA to 34% by March 2011 from 32.9%. • To Expand the presence in Sri Lanka and open Branch in Maldives. • To increase the customer base to 27.5 million by March 2012 from the existing level of 21.6 million. • NIL Net NPA and Gross NPA of 0.50% by March 2012. • To tap rural market. • To equip the staff to be more effective and efficient in their interface with the customers. a 40

  41. a THANK YOU a 41

More Related