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PERFORMANCE HIGHLIGHTS JUNE 2009

PERFORMANCE HIGHLIGHTS JUNE 2009. PERFORMANCE HIGHLIGHTS FOR JUNE 2009. BRANCH NETWORK AND BUSINESS DELIVERY CHANNELS. BUSINESS LEVELS. (Rs in crores). Interest Income from Advances has shown a robust growth of 38.37% and Interest Income from Investments increased by 3.71%.

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PERFORMANCE HIGHLIGHTS JUNE 2009

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  1. PERFORMANCE HIGHLIGHTS JUNE 2009

  2. PERFORMANCE HIGHLIGHTS FOR JUNE 2009

  3. BRANCH NETWORK AND BUSINESS DELIVERY CHANNELS

  4. BUSINESS LEVELS (Rs in crores) Interest Income from Advances has shown a robust growth of 38.37% and Interest Income from Investments increased by 3.71%.

  5. DEPOSITS - GROWTH (Rs in crores)

  6. DEPOSITS - COMPOSITION (Rs in crores)

  7. DEPOSITS - AVERAGE (Rs in crores)

  8. ADVANCES (Rs in crores)

  9. RETAIL CREDIT (Rs in crores)

  10. QUALITY OF LOAN ASSETS Quality of Loan Assets as on 30.06.09

  11. NPA MOVEMENT (Rs in crores)

  12. The Gross and Net NPAs are among the lowest in the industry. Increase in Net NPAs for June 2009 is on account of change in treatment of floating provisions mandated by Reserve Bank of India. NON-PERFORMING ASSETS – YEARWISE MOVEMENT

  13. PROVISION COVERAGE FOR NPAS & SLIPPAGE RATIO With early detection of delinquency and initiation of corrective steps at the right time the slippage ratio was curtailed at 0.05 as against 0.12 last year.

  14. INVESTMENTS (Rs in crores) Total Investments increased by 12.08% from Jun 08 to Jun 09. YoYProfit on Sale of Investments zoomed by 765.95%.

  15. INVESTMENTS - COMPOSITION (Rs in crores)

  16. BREAK UP OF INVESTMENTS (Rs in crores) SLR maintained as on 30.06.2009 – 25.53 % of NDTL

  17. QUALITY OF INVESTMENT PORTFOLIO

  18. NET PROFIT (Rs in crores) The Operating Profit and Net Profit YoYincreased by 69.53% and 230.08% respectively.

  19. PROFIT & LOSS ACCOUNT – SPREAD MANAGEMENT (Rs in crores) The Net Interest Income showed a sharp increase by 27.47%. The Net Interest Margin improved from 2.74% to 2.85%.

  20. INTEREST INCOME (Rs in crores)

  21. INTEREST EXPENSES (Rs in crores)

  22. PROFIT & LOSS ACCOUNT – NON-INTEREST INCOME (Rs in crores)

  23. As on Jun 2009, of the Total Non Interest Expenditure, Establishment Expenses constituted 64% and Other Expenses constituted 36%. Establishment Expenditure includes Rs.40 crs. Adhoc provision (Rs.20 crs in Mar 09) towards wage arrears pending outcome of negotiation with IBA. NON-INTEREST EXPENDITURE (Rs in crores)

  24. PROVISIONS & CONTINGENCIES (Rs in crores) • Provision on restructured accounts

  25. CAPITAL STRUCTURE (Rs in crores) Tier I Capital Funds increased by Rs. 725.62 crores and Tier II Capital Funds increased by Rs. 1334.14 crores from Jun 2008 to Jun 2009.

  26. CAPITAL ADEQUACY AND OTHER RATIOS Capital Adequacy Ratio is at 14.75% as on 30.06.2009 as per BASEL II.

  27. KEY RATIOS AND INDICATORS YoY, Cost of Deposits increased by 27 bps while the Yield on Advances increased by 81 bps.

  28. KEY RATIOS AND INDICATORS Cost to Income Ratio has been improving continuously YoY and as on Jun 09, the ratio improved from 55.85% to 48.78%.

  29. EARNING RATIOS As on Jun 09, Earnings per Share improved from 6.40 to 21.13 and the Book value improved from Rs.68.60 to Rs.80.48. Market Capitalization as on 30.06.2009 is Rs.3979.45 crores.

  30. PRODUCTIVITY RATIOS (Rs in crores) YoY Business Productivity Per Employee increased by 20.49% and the Gross Profit per Branch increased by 60% .

  31. SHARE HOLDING PATTERN – JUN 2009 SHARE HOLDING PATTERN

  32. RESTRUCTURED ACCOUNTS AS ON 30.06.2009 (Rs in crores)

  33. MONITORING OF RESTRUCTURED ACCOUNTS

  34. BUSINESS STRATEGY - VERTICALS • The performance of the Bank is significant as a result of our attempt to transform it using the four factors viz. technology, product, process and human resource management. • Organisational Restructuring by creating the following Verticals for hastening the decision making process and defining Profit Centers with responsibility and accountability on Vertical Heads to reach the set Goals. • Priority Sector • MSME • Retail Credit • Marketing • Mid Corporate • Large Corporate • Branch Operations • International Banking & Treasury

  35. TECHNOLOGY INITIATIVES

  36. EXPANSION INITIATIVES

  37. BRAND BUILDING MEASURES

  38. CORPORATE SOCIAL RESPONSIBILITY

  39. LOOKING FORWARD The Road Ahead

  40. www.andhrabank.in THANK YOU

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