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Key Highlights
(12 Months period ended) (Mar 2020 V/s Mar
2021) |
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●
Net
Profit stood at Rs.2557 cr against Net Loss of Rs.5838 crores for FY-20 ●
Operating
Profit reached a new horizon at Rs.20009 cr grew by 55.93% ●
Net-Interest
Income grew by 18.57% ●
Non-Interest
Income grew by 40.75% ●
Domestic
NIM improved by 24 bps ●
Cost to
Income Ratio improved by 966 bps ●
Domestic
Business grew by 8.57% ●
Agricultural
& Allied Credit grew by 17.44% ●
Retail
Credit grew by 12.14% with Housing loan at 15.11% ●
CASA
Deposits increased by 13.95 % ●
Retail
term deposit grew by 16.37 % ●
Gross NPA
Ratio down by 46 bps ●
Net NPA
Ratio down by 52 bps ●
Provision
Coverage Ratio (PCR) at 79.68% improved by 273 bps ●
CRAR
stood at 13.18% as at Mar 2021. Out of which Tier-I is 10.08% and Tier-II is
3.10%
●
Net
Profit stood at Rs.1010 Cr as against Net Loss of Rs.6567 crores ●
Operating
Profit grew by 136.40% ●
Net-Interest
Income grew by 9.87% ●
Non-Interest
Income grew by 72.08% ●
Cost to
Income Ratio improved by 2285 bps
●
Net
Profit grew by 45.11% to Rs.1010 Cr ●
Non-Interest
Income increased by 21.86 % to Rs.5207 Cr ●
Cost to
Income improved by 85 bps |
Key Summary of Business Performance (as on
31.03.2021)
Business
●
Global
Business increased by 8.23% (y.o.y) to Rs.1686030 Cr as at Mar 2021 with Global
Deposits at Rs.1010875 Cr 11.50% (y.o.y) and Global Advance (gross) at
Rs.675155 Cr 3.68% (y.o.y)
●
Domestic
Deposit of the Bank stood at Rs.963306 Cr as at Mar 2021 with growth of 10.74%
(y.o.y)
●
Domestic
Advances (gross) of the Bank stood at Rs.652558 Cr as at Mar 2021 with growth
of 5.51% (y.o.y)
● RAM constitutes 56.24% of Total Advances
●
Retail
lending Portfolio increased 12.14% (y.o.y) to Rs.115312 Cr as at Mar 2021
o Housing Loan Portfolio increased 15.11% y.o.y to
Rs.64326 Cr
o Vehicle Loan portfolio increased 13.25% y.o.y to
Rs.13713 Cr
●
Advances to
Agriculture grew by 17.44% (y.o.y) to Rs.156058 Cr as at Mar 2021
Asset
Quality
●
Gross
Non-Performing Assets (GNPA) ratio stood at 8.93% as at Mar 2021 as against
7.46% at Dec 2020, 9.39% as at March 2020
●
Net
Non-Performing Assets (NNPA) ratio stood at 3.82% as at Mar 2021 as against
2.64% as at Dec 2020, 4.34% as at March 2020
●
Provision
Coverage Ratio (PCR) improved to 79.68% as at Mar 2021 from 76.95% as at Mar
2020
Capital
Adequacy
●
CRAR stood
at 13.18% as at Mar 2021. Out of which Tier-I is 10.08% and Tier-II is 3.10%
●
Bank
successfully raised capital during FY21 through:
AT-1 Bonds : Rs.2936.10 Cr
QIP Equity
: Rs.2000 Cr
Priority Sector & Financial
Inclusion
●
The Bank
has achieved Targets in Priority Sector at 44.11% and Agricultural Credit at
18.56% of ANBC as at Mar 2021, as against the mandatory target of 40% and 18%
respectively
●
Credit to
Weaker Sections stood at 17.66% of ANBC, against the target of 10%
●
Bank has
opened 138 lakhs accounts under PMJDY and mobilised CASA deposits of Rs.6152 Cr
as at Mar 2021
Network
●
As on
31.03.2021, the Bank has 10416 Number of Branches, out of which 3069 are Rural,
3140 Semi- Urban, 2094 Urban & 2113 Metro along with 13452 ATMs
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