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begins with
Financial Results
2010-2011
(Q3 & 9 Months)
Performance Highlights
Rs. in Crore
Q3 – 09-10 Q3 – 10-11 %
Total Business
140000
120000
123785
115896
110936 111317
100000
90262
80000
75122
60000
59807
40000
20000
0
Mar' 07 Mar' 08 Mar' 09 Mar' 10 Jun' 10 Sep' 10 Dec'10
Pan-India Presence
100% CBS
Network of
1568Branches
As on 31.12.2010
74000
80000
73106
72000
70000 70000
69046
68000 68180
60000 73106
65748 66000 65748
64740
50000 64000
62000
40000
60000
Sep'09 Dec'09 Mar'10 Sep'10 Dec'10
Dec 09 Dec 10
15500
23194 10000
17768
10500
6648 6229
5000 4976 5578
5500 4891
Current Savings
500 0
Dec 09 Dec 10 Sep'09 Dec'09 Mar'10 Sep'10 Dec'10
Savings Current
Dec’ 09 Dec’ 10
8.00
8.00
6.00 6.00
Total Advances
55000
60000
50679
50000
45000
40000 46850
42561 42756
50679 41219
42561 30000
35000
20000
10000
25000
0
Dec 09 Dec 10 Sep'09 Dec'09 Mar'10 Sep'10 Dec'10
Dec’ 09 Dec’ 10
Agriculture,
4350 Agriculture,
5010
Retail, 5173
Retail, 6915
MSME, 6212
Large & Mid MSME, 7390
Large & Mid
Corp, 27476
Corp, 32427
Retail Advances
` in Crore
7000 6915
7000 33.67%
6000
6000 5727
5000
4000
6915 5173
5173
3000
5000
2000
1000
2009 2010
4000
Dec'09 Mar' 10 Dec'10
Retail Advances – Breakup
` in Crore
17500
Other Priority Sector Agriculture 16368
16368 15237
12.57%
13317 15000 14396
4897 13317
12969
4350 15
27.92%
12500
11471
8967
10000
Dec'09 Dec'10
Sep'01 Dec'09 Mar'10 Sep'10 Dec'10
MSME Advances
` in Crore
18.96% 8000
7000
7390
6000 7000
7390 6817
4000 5697
5000
3000
2000 4000
Sep'09 Dec'09 Mar'10 Sep'10 Dec'10
1000
Dec'09 Dec'10
Restructured Accounts
` in Crore
Percentage ( % )
10
10
10.39
8
9.58 10.23 8 9.46
4
6
9 months (D'09) 9 months (D'10)
Q3 FY10 Q3 FY11
INVESTMENTS
Total Investments
` in Crore
26000
7158.47
10022.30
19000 0.00
4.88
12000 18,835.16
15,277.20
5000
Total Investments grew 2.7% to reach Rs 25994 Crore whereas HTM Investments grew by 23.3%
and AFS Investments decreased by 28.6%.
Yield on Investment increased from 7.71% to 7.76%
Operating Snapshot
Income & Profitability
` in Crore
9 months ended 3rd Quarter
% Dec’09 Dec’10 FY 2010 FY 2011 %
200 100
0
0
9 months FY10 9 months FY11 Q3 FY10 Q3 FY11
Non Interest Income
` in Crore
146
420
144
415 4.7% 142
410
8.4%
140 145.68
405
417.88
138
400
136
395
134
390 399.21 132 134.34
385 130
9 Months FY10 9 Months FY11 128
Q3 FY10 Q3 FY11
Non Interest Income
` in Crore
850 410
650
1081.96 386.71
450 210
588.63
209.56
250
50
10
9 Months FY10 9 Months FY11
Q3 FY10 Q3 FY11
124.3 312.66 701.22 Total Prov. & Contg. 87.70 223.58 154.9
13.9 129.00 147.00 Provision for Income Tax 46.00 57.00 23.9
200
275.97 163.12
210 100
121.86
110 50
10 0
9 months FY10 9 months FY11 Q3 FY10 Q3 FY11
Dec 09 Dec 10
** out of which recovery from sale of Assets 29.10 cr. up to Dec’ 09, Nil in Dec’10
Non Performing Assets
` in Crore
3.5 3.21
2.93
3 2.51
(Percent)
2.5
1.84
2 1.52
1.29
1.5
0.5
Dec 09 Mar 10 Dec 10