Andhra Bank

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Andhra Bank Welcomes to the press meet
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ANDHRA BANK PROFILE/ PERFORMANCE HIGHLIGHTS
2005-06
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ANDHRA BANK
 
- the driving force behind our
performance
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Brief Profile
Andhra Bank

• Established by a Freedom Fighter
  Dr Bhogaraju Pattabhi Sitaramayya.
• Established on November 20th 1923
• Nationalized on 15th April 1980
• Total Business Delivery Channels 1764
• Total Business Rs.56,000 Crores
• Sponsored two Regional Rural Banks
• Dividends Declared 14, 24, 28, 30 and 35
  during the last five years

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Performance Highlights for FY 2006
Andhra Bank

• Total Business crossed Rs.56000 crores.
• Distributable Profit increased by 42.22. (From
  Rs.256.03 cr in 2005 to Rs.364.12 cr in 2006)
• Annualized yield works out to FPO Equity Holders
  at 26.78.
• Low NPA levels Gross NPAs _at_ 1.94 Net NPAs _at_
  0.24.

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Business channels
Andhra Bank
As on Branches ECs Satellite Offices ATMs Total
31.03.03 1100 113 44 220 1477
31.03.04 1128 129 44 272 1573
31.03.05 1168 136 38 330 1672
31.03.06 1213 123 37 391 1764

• Bank has presence in 21 States and 2 Union
  Territories.

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Business Levels
Andhra Bank
Details 31.03.05 Amount (Rs. in cr) 31.03.06 Amount (Rs. in cr)
Deposits 27551 33922
Advances (GBC) 17910 22484
Investments 10646 11444
C / D Ratio() 65.18 66. 69
Total Interest Income 2273 2674
Net Interest Income 1069 1169
Core Operating Profit (excluding Profit on sale of Investments) 607 698
Operating Profit 993 769
Core Net Profit (excluding profit on sale of Investments) 135 415
Net Profit 520 486
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Andhra Bank
DEPOSITS Composition (Rs. in
Crores)
Type of Deposit 31.3.2005 31.03.2006
Current Deposits 2558.29 3084.82
Growth () 15.29 20.58
Savings Deposits 7400.77 9232.39
Growth () 16.58 24.75
Term Deposits 17591.65 21605.20
Growth () 22.39 22.82
Total Deposits 27550.71 33922.41
Growth () 20.10 23.13
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Andhra Bank
ADVANCES SECTOR WISE EXPOSURE
(Rs. in crores)
SECTOR 31.03.05 31.03.06 Growth ()
Gross Bank Credit 17910 22484 25.54
Non - Food Credit 17110 21733 27.02
- Medium Large Inds., 4958 6412 29.33
- Priority Sector 7331 8627 17.68
Agriculture 3078 4064 32.03
SME Sector 1922 2439 26.90
- Retail Credit 3715 5050 35.94
- Housing Loans 1878 2436 29.71
- Educational Loans 513 677 31.97
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INVESTMENTS COMPOSITION
Andhra Bank
(In Rs crores)
Type of Investments 31.03.05 31.03.06
Government Securities 8777.55 9749.27
Percentage Govt. Sec. to Investments 82.45 85.19
Other Approved Securities 152.99 153.14
Shares 243.64 133.98
Debentures and Bonds 1168.31 924.71
Subsidiaries and/ or Joint Ventures 9.31 9.31
Others 294.48 473.74
Total Investments 10646.28 11444.15
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Andhra Bank
ASSET QUALITY Rs. in Cr.
PARAMETER 31.03.05 31.03.06
GROSS BANK CREDIT 17910 22484
GROSS NPAs 440.93 436.91
OF GROSS NPAs 2.46 1.94
NET NPAs 48.97 52.46
OF NET NPAs 0.28 0.24
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CAPITAL STRUCTURE
Andhra Bank
(In Rs. Crores)
PARAMETER 31.03.05 31.03.06
TIER-I CAPITAL 1519 2872
TIER-II CAPITAL 773 424
TOTAL CAPITAL 2292 3296
OF TIER-I TO TOTAL CAPITAL 66.28 87.15
INTELLECTUAL CAPITAL ( STAFF STRENGTH IN NUMBER) 13107 13169
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Andhra Bank

• FINANCIAL PERFORMANCE
• Key Ratios and Indicators at a Glance

Ratios (Figures in ) FY 2005 FY 2006
Cost of Deposits 4.86 4.86
Cost of Funds 4.27 4.28
Yield on Advances 9.43 9.26
Yield on Investments 8.14 7.29
Yield on Funds 8.06 7.60
Net Yield on Funds 3.79 3.32
Earning per Share (annualised) 13.00 11.78
Book Value per Share 45.93 59.67
Staff Cost to Average working funds 1.91 1.40
Other Operating Expenses to AWF 1.03 1.04
Business per employee (Rs. In Cr) 3.46 4.27
Business per Branch (Rs. In Cr) 38.86 46.33
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Technology Initiatives
Andhra Bank

• 100 Branches Computerized.
• No. of ATM/Debit Cards stood at 1.83 million
  against 1.29 million in the previous year.
• ATM Network shared with IDBI Bank, UTI Bank,
  Indian Bank, HDFC Bank, SBI Group etc.
• Total ATM distributory channels 14400.
• Mobile banking - branches connected 453 and
  registered users 4175.
• 10000 Business units covered under cluster based
  core banking solution. It covers 92.58 of
  business.

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Technology Initiatives (contd.)
Andhra Bank

• AB Kisan Vikas ATM card introduced for easy
  access to money to Farming community.
• Mobile ATM first of its kind launched to enhance
  the reach of the bank to unbanked areas.
• Shortly introducing - Internet Payment Gateway
  and Internet Banking.

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Andhra Bank
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Value Added Services
Andhra Bank

• Insurance linked savings deposits Abhaya,
  Abhaya Gold, Jeevan Abhaya, Jeevan Prakash,
  Jeevan Prakash plus, Arogyadaan, AB Flex etc.
  offered.
• Bancassurance Tied up with LIC and United
  Insurance companies for sale of Life and non-life
  products.
• Associated for sale of Mutual Fund products with
  major companies.
• Introduced Depository participatory services.
• Cash Management Service covered 84 customers in
  123 branches. Turnover for the year crossed
  Rs.1147 Crore.

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Value Added Services
(Contd..)
Andhra Bank

• Introduced 8 a.m. to 8 p.m. and 7 day
• Banking in select branches to extend the
• Service hours to clientele.
• Opened a Representative Office in Dubai
• to coordinate with NRIs for increasing
• our NRI customer base.
• Imparting training to Agriculturists, Rural
  Un- employed youth on vocational courses by our 9
  Rural Development Institutes

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Andhra Bank
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ISO 90012000 CERTIFICATE
Andhra Bank

• ISO 90012000 Certification has been
  awarded to two of our offices
• - STAFF COLLEGE
• - DATA CENTRE at Department of
• Information Technology
• --

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Awards received by the Bank
Andhra Bank

• Ranked 683rd among Top 1000 Banks in the World
  for 2005 by The Bankera London Based
  publication.
• Ranked as Number 1 in Asia under the Return on
  Capitalfor 2005 by The Banker.
• Adjudged as the Best Bank under Large Banks
  category by The Analyst an ICFAI publication.
• Assigned CGR 2 by ICRA for Corporate Governance.

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Awards received by the Bank (Contd.)
Andhra Bank

• Awarded Silver Shield for excellence in financial
  reporting for 2005 by ICAI.
• Runner up award under best payment initiative by
  IBA for 2005.
• FINTECH Asia 2006 Award for Any Branch Banking
  (ABB).

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ANDHRA BANK MAKING A DIFFERENCE WITH PEOPLE,
IDEAS AND SOLUTIONS. COMMITMENTS TO VALUES
FULFILLED
THANK YOU