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3

Ma

r-1

6

9,3

82

De

c-1

5S

ep

-15

9,2

50

Jun

-15

9,3

68

Ma

r-1

5

9,6

57

Oth

ers

Se

rvic

e &

Tra

de

rs

LAD

*H

ou

sin

g

Go

ld

Ma

nu

fact

uri

ng

•R

eta

il h

ub

in

Co

chin

to

in

cre

ase

fo

cus

on

ho

usi

ng

fin

an

ce

•Tw

o m

ore

hu

bs

to b

e s

et

up

–o

ne

in

So

uth

In

dia

an

d o

ne

in

No

rth

In

dia

•B

ran

ch s

taff

be

ing

giv

en

sp

eci

fic

tra

inin

g

to m

ark

et

mo

rtga

ge

lo

an

s

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ark

eti

ng

in

itia

tive

th

rou

gh

TV

Cs

•Ta

ilo

r m

ad

e p

rod

uct

s fo

r d

iffe

ren

t

seg

me

nts

Jan

to

Ma

r 2

01

6

•H

ou

sin

g L

oa

ns

Sa

nct

ion

ed

: 1

,15

7 N

os.

•A

mo

un

t o

f H

ou

sin

g L

oa

ns

Sa

nct

ion

ed

–R

s. 2

33

cr

Rs

Crs

*LA

D =

Lo

an

ag

ain

st d

ep

osi

ts

20

•D

ed

ica

ted

DG

M a

pp

oin

ted

to

en

sure

fo

cus

an

d

be

tte

r co

ord

ina

tio

n w

ith

re

gio

ns

•Fo

cuse

d ‘G

ree

n C

ha

nn

el’

bra

nch

es

to d

rive

fast

er

loa

n g

row

th t

o S

ME

s

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rge

t to

be

com

e b

an

ker

of

cho

ice

to

SM

Es

the

reb

y g

ett

ing

oth

er

bu

sin

ess

as

we

ll –

lia

bil

itie

s, v

eh

icle

fin

an

ce,

etc

.

•O

ng

oin

g t

rain

ing

(in

-ho

use

as

we

ll a

s e

xte

rna

l)

15

.33

15

.26

15

.28

13

.70

12

.50

De

c-1

5M

ar-

15

Ma

r-1

6Ju

n-1

5S

ep

-15

Ke

rala

43

%

So

uth

(Ex-

Ke

rala

)

32

%Re

st o

f

Ind

ia

25

%

Rs

Lakh

s

21

Bra

nch

Lo

cati

on

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oo

f

Bra

nch

es

Ke

rala

44

9

So

uth

Ind

ia (

Ex-

Ke

rala

)2

45

Re

st o

f In

dia

14

0

Tota

l8

34

83

48

22

79

47

38

68

86

31

FY

13

FY

12

FY

11

+5

.7%

FY

16

FY

14

FY

15

1,2

87

1,2

00

1,0

00

80

06

63

49

0

+2

1.3

%

FY

11

FY

16

FY

15

FY

13

FY

12

FY

14

*M

ap

fo

r il

lust

rati

on

pu

rpo

se o

nly

22

4%

13

%

33

%2

8%22

%

< 1

Ye

ar

1-2

Ye

ars

2-5

Ye

ars

5-1

0 Y

ea

rs>

10

Ye

ars

41

75

12

8

Ma

r-1

5

7,0

09

Jun

-15

Se

p-1

5

14

Clo

sin

g

7,0

07

Ma

r-1

6D

ec-

15

*E

mp

loy

ee

s in

clu

de

fu

ll-t

ime

off

ice

rs a

nd

cle

rks.

23

24

Co

re D

ep

osi

tN

on

-Co

reD

ep

osi

tTo

tal D

ep

osi

t

Ma

r-1

6M

ar-

16

Ma

r-1

6

Ma

r-1

5M

ar-

15

Ma

r-1

5

40

,69

4

46

,48

7

11

,21

9

9,2

34

51

,91

2

55

,72

1

Cu

rre

nt

Sa

vin

gs

Tota

l CA

SA

Ma

r-1

6M

ar-

16

Ma

r-1

6

Ma

r-1

5M

ar-

15

Ma

r-1

5

1,8

18

8,8

68

10

,68

6

12

,45

9

Rs

Crs

Rs

Crs

25

11

,25

89

,15

18

,63

07

,93

0

2,0

34

2,1

57

2,1

30

8,8

68

9,6

22

9,9

15

10

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7

29

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83

1,5

17

32

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43

3,2

04

9,2

03

10

,47

6

34

,05

9

Se

p-1

5

53

,03

6

Jun

-15

52

,32

4

Ma

r-1

5

51

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2

1,8

18

Ma

r-1

6D

ec-

15

53

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1

1,9

83

55

,72

1

Oth

ers

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urr

en

tS

av

ing

sTe

rm

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7%

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r-1

6

12

,45

9

10

,47

6

1,9

83

Ma

r-1

5

10

,68

6

8,8

68

1,8

18

34

,05

92

9,9

68

+1

4%

Ma

r-1

6M

ar-

15

Rs

Crs

Rs

Crs

Sa

vin

gs

Cu

rre

nt

Rs

Crs

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the

rs in

clu

de

s: B

ulk

, C

ert

ific

ate

s o

f D

ep

osi

ts

26

20

.6

22

.3

22

.8

23

.0

22

.4

Ma

r-1

5Ju

n-1

5S

ep

t-1

5D

ec-

15

Ma

r-1

6

14

,30

31

3,5

66

12

,90

41

2,1

93

11

,39

3

Ma

r-1

6D

ec-

15

Se

p-1

5Ju

n-1

5M

ar-

15

In (

%)

Rs

Crs

27

16

,09

9

38

.53

%

8,7

21

20

.87

%

1,3

71

3.2

8%

9,8

23

23

.51

%

5,7

70

13

.81

%4

0,2

15

23

,35

8

16

,85

7

Jun

-15

38

,82

0

22

,50

3

16

,31

7

Ma

r-1

5

37

,97

8

22

,54

5

15

,43

3

+1

0%

41

,78

5

+4

%

+1

4%

Ma

r-1

6

25

,68

6

16

,09

9

De

c-1

5

40

,60

1

24

,01

7

16

,58

4

Se

p-1

5 Re

tail

& S

ME

s (B

elo

w R

s. 2

5 C

rs)

Co

rpo

rate

(A

bo

ve R

s 2

5 C

rs)

Rs

Crs

Rs

Crs

28

Ag

ricu

ltu

re

8,7

21

7,9

27

7,5

95

7,3

65

7,1

72

Se

p-1

5D

ec-

15

Ma

r-1

6Ju

n-1

5M

ar-

15

+2

2%

-45

%

2,0

03

Ma

r-1

5

1,6

55

Jun

-15

1,4

55

Se

p-1

5

1,3

71

2,4

85

Ma

r-1

6D

ec-

15

9,8

23

9,0

86

8,7

56

8,2

18

8,8

11

Ma

r-1

6D

ec-

15

Ma

r-1

5S

ep

-15

Jun

-15

+1

1%

5,7

70

5,5

49

5,3

52

4,9

17

4,0

77

De

c-1

5S

ep

-15

Ma

r-1

6M

ar-

15

Jun

-15

+4

2%

Rs

Crs

Rs

Crs

Rs

Crs

Rs

Crs

29

13

,74

11

4,2

70

14

,73

91

4,9

83

15

,68

0

12

,76

91

2,6

82

13

,18

71

3,1

78

13

,55

6

11

,89

91

2,2

89

12

,44

01

2,5

49

11

,44

4

Ma

r-1

6

+1

4%

41

,78

5

+1

0%

+6

%

+1

0%

Jun

-15

40

,60

1

Ma

r-1

5

40

,21

5

De

c-1

5

38

,85

13

7,9

54

Se

p-1

5

Re

st o

f In

dia

So

uth

Ex-

Ke

rala

Ke

rala

Rs

Crs

30

37

44

07

38

83

40

34

7

Se

p-1

5M

ar-

15

Jun

-15

+8

%

Ma

r-1

6D

ec-

15

2.6

32

.92

2.8

12

.54

2.7

0

De

c-1

5S

ep

-15

Ma

r-1

5Ju

n-1

5M

ar-

16

*

Rs

Crs

In %

In %

6.9

27

.07

6.7

16

.55

6.3

8

9.3

89

.39

9.2

89

.21

8.7

8

Ma

r-1

5Ju

n-1

5S

ep

t-1

5D

ec-

15

Ma

r-1

6

Co

st o

f F

un

ds

Yie

ld o

n F

un

dsIn

%

8.0

5

7.8

5

7.5

3

7.3

8

7.2

4

11

.61

1

1.4

9

11

.38

1

1.2

1

10

.56

Ma

r-1

5Ju

n-1

5S

ep

t-1

5D

ec-

15

Ma

r-1

6

Co

st O

f D

ep

osi

tY

eil

d o

n A

dva

nce

s

* 1

3 b

ps

ad

vers

e im

pa

ct o

n in

tere

st r

eve

rsa

l

31

1,5

10

72

9

34

0

1,3

66

1,1

35

+1

1%

Ma

r-1

5M

ar-

15

Jun

-15

Se

p-1

5D

ec-

15

7.9

97

.85

7.6

97

.58

7.5

2

11

.74

11

.49

11

.43

11

.36

11

.18

Ma

r-1

5Ju

n-1

5S

ep

t-1

5D

ec-

15

Ma

r -1

6

Co

st o

f D

ep

osi

tsY

ield

on

Ad

van

ces

2.7

32

.76

2.6

72

.54

2.7

0

+3

bp

s

Ma

r-1

6M

ar-

15

Jun

-15

Se

p-1

5D

ec-

15

Rs

Crs

In %

In %

7.0

87

.08

6.8

96

.77

6.6

9

9.5

59

.41

9.3

39

.29

9.1

8

Ma

r-1

5Ju

n-1

5S

ep

t-1

5D

ec-

15

Ma

r -1

6

Co

st o

f F

un

ds

Yie

ld o

n F

un

dsIn

%

32

52

.66

59

.28

58

.70

56

.60

56

.62

Ma

r-1

5Ju

n-1

5S

ep

t-1

5D

ec-

15

Ma

r -1

6

12

.01

1.9

11

.71

1.5

10

.8

+1

1%

De

c-1

5S

ep

-15

Jun

-15

Ma

r-1

5M

ar-

16

10

81

08

10

71

07

99

De

c-1

5S

ep

-15

Jun

-15

Ma

r-1

5M

ar-

16

+9

%

72

12

8

-14

-75

-41

Ma

r-1

5Ju

n-1

5S

ep

t-1

5D

ec-

15

Ma

r -1

6

In %

Rs

Crs

Rs

Crs

33

22

21

21

23

23

50

52

44

52

39

76

Ma

r-1

6D

ec-

15

67

Jun

-15

60

Se

p-1

5

72

Ma

r-1

5

72

Tra

nsa

ctio

n F

ee

sTe

chn

olo

gy

Rs

Crs

Rs

Crs

28

42

50

30

10

14

23

12

22

10

14

15

Jun

-15

9

4

Se

p-1

5D

ec-

15

Ma

r-1

6M

ar-

15

9

Fo

rex

Oth

er

Pro

fit

on

Sa

le o

f In

vest

me

nts

Rs

Crs

13

91

53

12

11

04

12

2

Ma

r-1

5D

ec-

15

Ma

r-1

6

+1

4%

Se

p-1

5Ju

n-1

5

De

tail

sR

s. C

rsM

Du

rati

on

HT

M1

2,0

36

5.3

1

AFS

2,6

76

4.3

7

HF

T1

06

6.6

9

Tota

l1

4,8

18

5.4

6

34

Rs

Crs

Q4

-FY

16

Q4

-FY

15

Q3

-FY

16

For

NPA

& N

PI

19

1.1

05

9.6

58

3.8

5

For

De

pre

cia

tio

n o

n I

nve

stm

en

ts

0.5

06

.88

12

.21

For

Sta

nd

ard

Ass

ets

-3

7.3

71

0.6

41

0.8

5

For

Re

stru

ctu

red

Ad

van

ces/

Sa

crif

ice

s &

FIT

L -2

9.4

54

6.6

7-1

.69

For

Un

he

dg

ed

Fo

rex

Exp

osu

re

-0.6

93

.11

-1.2

3

Oth

ers

-7

.84

10

.79

2.3

9

Taxe

s 3

3.0

81

0.9

15

5.0

4

Tota

l Pro

vis

ion

s 1

49

.33

14

8.6

51

61

.43

35

0.9

6%

1.2

1%

1.3

9%

1.8

0%

2.8

9%

Ma

r-1

5Ju

ne

-15

Se

pt-

15

De

c-1

5M

ar-

16

1.7

1%

1.8

5%

2.2

4%

2.7

5%

3.7

7%

Ma

r-1

5Ju

ne

-15

Se

pt-

15

De

c-1

5M

ar-

16

84

51

,56

2

39

1

1,1

08

Clo

sin

gD

ed

uct

ion

sA

dd

itio

ns

Op

en

ing

Clo

sin

g

1,1

85

De

du

ctio

ns

19

5

Ad

dit

ion

s

66

4

Op

en

ing

71

6

Rs

Crs

Rs

Crs

36

18

61

95

31

33

06

44

3

94

9

De

c-1

5

2,2

36

1,9

30

Se

p-1

5

2,3

13

2,0

00

Jun

-15

2,1

70

1,9

75

Ma

r-1

5

2,0

68

1,8

82

Ma

r-1

6

1,3

92

Re

stru

ctu

red

Sta

nd

ard

Ad

van

ce

Re

stru

ctu

red

NP

A

23

%

42

%

35

%

Po

we

r D

isco

ms

Co

nst

ruct

ion

EP

C

Oth

ers

Rs

Crs

*O

the

r in

clu

de

s IT

, B

ull

ion

, e

tc.

UD

AY

Sch

em

e

to B

en

efi

t

37

Re

stru

ctu

red

Sta

nd

ard

Ad

va

nce

Rs.

21

4 C

rso

f D

ISC

OM

Exp

osu

re m

ay

be

re

stru

ctu

red

un

de

r U

da

yS

che

me

+8

84

0-6

70

+6

44

+6

-

+4

02

+1

6-

DIS

CO

MS

Op

en

ing

Incr

ea

se i

n

Ex

isti

ng

Ba

lan

ce

Ud

ay–

SD

L

Inv

est

me

nts

DIS

CO

MS

Co

nst

ruct

ion

EP

C

Oth

ers

0

-24

9

-84

Sli

pp

ag

es

to N

PA

+1

,93

0+

22

-67

0To

tal

-33

3

+2

14

+4

01

+3

34

Clo

sin

g B

ala

nce

+9

49

Rs

Crs

38

75

1

12

7

Clo

sin

g

1,3

92

De

c. in

Ba

lan

ce

Clo

sure

incl

ud

ing

wri

te o

ff

Up

gra

da

tio

n

to S

tan

da

rd

0

Inc.

in

Ba

lan

ce

34

Fre

sh

Ad

dit

ion

s

0

Op

en

ing

2,2

36

Sh

ift

of

focu

s fr

om

Larg

e C

orp

ora

te

to

SM

Es

De

focu

sin

g f

rom

Po

we

r &

In

fra

Se

cto

rs

Sp

eci

al R

eco

very

Ce

ll

&

Ass

et

Mo

nit

ori

ng

Ce

ll

Rs

Crs

39

19

9.9

21

4.0

35

4.6

36

8.8

Clo

sin

gO

pe

nin

gA

dd

itio

ns

De

du

ctio

ns

Pro

vis

ion

ing

Co

vera

ge

Ra

tio

40

.34

%

Ad

van

ces

in t

he

In

itia

l

qu

art

ers

as

NPA

s :

Re

qu

irin

g

Less

Pro

vis

ion

ing

Rs

Crs

40

0.1

2%

0.1

9%

0.1

2%

0.1

5%

0.8

6%

Ma

r-1

5Ju

n-1

5S

ep

t-1

5D

ec-

15

Ma

r-1

6

0.2

6%

0.2

1%

0.2

3%

0.0

2%

0.2

3%

Ma

r-1

5Ju

n-1

5S

ep

t-1

5D

ec-

15

Ma

r-1

6

0.4

3%

0.5

5%

0.4

4%

0.6

1%

0.2

7%

Ma

r-1

5Ju

n-1

5S

ep

t-1

5D

ec-

15

Ma

r-1

6

0.5

9%

0.6

0%

0.9

5%

1.8

0%

4.4

2%

Ma

r-1

5Ju

n-1

5S

ep

t-1

5D

ec-

15

Ma

r-1

6

41

10

.51

0.0

9.6

9.4

9.8

1.6

1.4

2.3

2.3

2.0

Ma

r-1

5

12

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