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Key Highlights (3 Months
ended) (June 2020 V/s June
2021)
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 Net
Profit stood at Rs1177 cr. against Net Profit of Rs.406 crores for June-2020
Operating
Profit stood at Rs.5751 cr. grew by 34.18%
Non-Interest
Income grew by 67.47%
Fee
based income grew by 43.61%
Cost
to Income Ratio improved by 533 bps
Global
Business grew by 9.38%
Agricultural
& Allied Credit grew by 17.03%
Retail
Credit grew by 9.57% with Housing loan at 13.15%
RAM
constitutes 55.37% of Total Advances
CASA
Deposits increased by 12.91%
Savings
Bank Deposits grew by 14.38%
Retail
term deposit grew by 12.14%
Gross
NPA Ratio down by 34 bps
Net
NPA Ratio down by 49 bps
Provision
Coverage Ratio (PCR) at 81.18% improved by 223 bps
CRAR
stood at 13.36% as at June 2021. Out of which Tier-I is 10.34% and Tier-II is
3.02%
Return
on Assets improved to 0.41% for Q1FY22 against 0.16% for Q1FY21
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Key Summary of
Business Performance (as on 30.06.2021)
Business
Global
Business increased by 9.38% (y.o.y) to Rs 1706422 Cr as at June 2021 with
Global Deposits at Rs 1021837 Cr 12.34% (y.o.y) and Global Advance (gross) at
Rs 684585 Cr 5.23% (y.o.y)
Domestic
Deposit of the Bank stood at Rs 970481 Cr as at June 2021 with growth of 11.60% (y.o.y)
Domestic
Advances (gross) of the Bank stood at Rs 661236 Cr as at June 2021 grew by 5.94% (y.o.y)
Retail
lending Portfolio increased 9.57% (y.o.y) to Rs 115291 Cr as at June 2021
o Housing
Loan Portfolio increased 13.15% y.o.y to Rs 65136 Cr
o Vehicle
Loan portfolio increased 9.22% y.o.y to Rs 13433 Cr
Advances
to Agriculture grew by 17.03% (y.o.y) to Rs 156801 Cr as at June 2021
Asset Quality
Gross
Non-Performing Assets (GNPA) ratio stood at 8.50% as at June 2021 as against 8.93%
at March 2021, 8.84% as at June 2020.
Net
Non-Performing Assets (NNPA) ratio stood at 3.46% as at June 2021 as against 3.82%
as at March 2021,3.95% as at June 2020.
Provision
Coverage Ratio (PCR) improved to 81.18% as at June 2021 from 78.95% as at June 2020.
Capital Adequacy
CRAR
stood at 13.36% as at June 2021. Out of which Tier-I is 10.34% and Tier-II is 3.02%
The Capital Raising Plan for
FY-22:
QIP
Equity : Rs.2500 Cr
AT-1
Bonds : Rs.4000 Cr
Tier
II Bonds : Rs.2500 Cr
Priority
Sector & Financial Inclusion
The
Bank has achieved Targets in Priority Sector at 45.47% and Agricultural Credit at
20.93% of ANBC as at June 2021, as against the norm of 40% and 18% respectively
Credit
to small and marginal farmers stood at 14.27% of ANBC, against the norm of 9%
Credit
to Weaker Sections stood at 20.34% of ANBC, against the norm of 11%
Bank
has opened 138 lakhs accounts under PMJDY and mobilised CASA deposits of Rs
6103 Cr as at June 2021
Network
As
on 30.06.2021, the Bank has 9877 Number of Branches, out of which 3047 are
Rural, 2853 Semi- Urban, 1973 Urban & 2004 Metro along with 11819 ATMs
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