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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).

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PERFORMANCE HIGHLIGHTS OF INDIAN BANK 2009-10

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  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

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