Performance Highlights (Company Update)

Financial Results
31st December 2015
Growth Powered by Technology, Driven by Customers
Performance Highlights Quarter ended December 2015

Total Business of the Bank is at Rs. 2,15,171 Cr.
Advances up by 13 %.
Net Interest Income up by 33 %.

NIM improved to 2.44% up by 56 bps.
Q3
Highlights
(Y-o-Y)
Fee based Income up by 32%.
Operating Profit for the quarter up by 26%.

Net profit up by 41%
CD ratio improved to 71.49%.
Gross NPA at 4.32%.
Net NPA at 2.98%.
Provision Coverage Ratio at 58.07%.
CRAR (Basel III) at 10.65%.
Business Mix
(Rs. Cr)
203187
124051
215171
125475
79136
Total Deposits
89696
Gr. Advances
Dec-14
Total Business
Dec-15
Dec2014
Dec2015
Growth (%)
Total Deposits
124051
125475
1.15
Gross Advances
79136
89696
13.34
Total Business
203187
215171
5.90
Parameters
CASA, Retail & Bulk Term Dep.

(Rs. Cr)
27500
25992
25000
23671
Type of Deposit
Dec 14
Dec15
Y-o-Y Growth (%)
Saving Deposits
17692
19888
12.41
Current Deposits
5998
6104
1.77
CASA Deposits
23671
25992
9.81
CASA as % of total deposits
19.08
20.72
Retail Term Deposits
37343
43310
15.98
Bulk Term Deposits
56694
42588
(24.88)
22500
20000
CASA
CASA % increased by 164 bps
Retail Term Deposits grew by 15.98%
Credit Portfolio
(Rs. Cr)
%Growth
Sectors
31.12.14
31.12.15
Y-o-Y
31.03.15
Total Advances
79136
89696
13.34
87692
27450
34955
27.34
30714
Focus on Retail
Priority Sector
Advances
Diversified Credit Portfolio
Agriculture
10917
12859
17.79
11389
MSE
10838
14989
38.30
13217
MSME
12717
16290
28.10
15165
Retail Advances
17609
22204
26.09
18735
Retail Credit
(Rs. Cr)
Scheme
25000
31.12.15
Housing Loans
6066
7963
31.27
6526
Education Loans
874
1085
24.14
903
Other retail loans
10669
13156
23.31
11306
Total Retail Loans
17609
22204
26.09
18735
22204
20000
%Growth
31.12.14
Y-o-Y
31.03.15
18735
17609
15000
Dec-14
Mar-15
Dec-15
Retail Credit
Retail Credit accounts for 24.75 % of Gross Advances
Priority Sector Credit

(Rs. Cr)
Parameters
%Growth
31.12.14
31.12.15
Priority Sector Advances
27450
34955
27.34
30714
% to ANBC
32.14
38.21
18.89
35.97
Agriculture
10917
12859
17.79
11389
MSE
10838
14989
38.30
13217
Y-o-Y
31.03.15
34955
35000
30000
27450
25000
20000
15000
10000
Dec-14
Dec-15
Priority Credit
Priority Sector Advances grew by 27.34 % Y-o-Y
Sector-Wise Credit Portfolio

(Rs. Cr)
% Growth
Diversified Credit Portfolio
Sectors
31.12.14
31.12.15
Y-o-Y
31.03.15
Infrastructure
22112
22922
3.66
23413
Real Estate
13043
13315
2.09
19042
NBFC
8868
9600
8.25
10410
25
21
(16.00)
265
Food Credit
1705
1626
(4.63)
1383
Others
33383
42212
26.45
33179
Total Gross Credit
79136
89696
13.34
87692
Capital Market
Infrastructure
(Rs. Cr)
Sectors
31.12.14
31.12.15
% to total
Advances
31.12.2015
Energy
15105
15697
17.50
3.92
15806
Transport
4491
4072
4.54
(9.33)
4770
Communication
711
705
0.79
(0.84)
709
Social & Commercial Infrastructure
1194
1836
2.05
53.77
1544
Water & Sanitation
611
612
0.68
0.16
584
22112
22922
25.56
3.66
23413
Total Infrastructure Lending
Y-o-Y
Growth (%)
31.03.2015
Exposure to Power Sector

Sectors
Exposure as on
31.12.2015
Generation
Transmission
Distribution
Total
Central Govt. Undertakings

State Govt. Undertakings
1102.62
1102.62
2831.11
1747.81
7600.67
12179.59
Private Sector
4445.66
406.66
4852.32
Total Exposure
8379.39
2154.47
7600.67
18134.53
Generation
Transmission
Distribution
Total
1717.01
1381.40
1004.71
4103.12
1415.64
705.60
2121.24
963.75
773.07
147.00
1883.82
1533.57
1533.57
1063.90
1063.90
250.00
1055.68
1305.68
54.61
1084.06
1138.67
419.14
419.14
396.37
396.37
1458.94
190.64
1649.58
112.60
112.60
74.61
74.61
1827.76
--
---
1827.76
504.47
504.47
8379.39
2154.47
7600.67
18134.53
States
State Wise
Exposure
(Rs. Cr)
Karnataka
Andhra Pradesh
Gujarat
Rajasthan
Uttar Pradesh
Haryana
Tamil Nadu
Kerala
Punjab
Maharashtra
WB
Chhattisgarh
Delhi
Other States
TOTAL
Investments
(Rs. Cr)
31.12.14
31.12.15
%Growth
(Y-o-Y)
31.03.15
35909
35041
(2.42)
34930
03
Shares
318
362
13.84
325
Debentures & Bonds
3788
3089
(18.45)
3855
Others
6699
446
(93.34)
5585
Total
46717
38941
(16.64)
44698
Particulars
Govt. Securities
Investments
Other Approved Securities
38941
46717
30000
40000
31.12.2015
50000
31.12.2014
Investments
(Rs. Cr)
Category
Dec - 14
Mar - 15
June - 15
Sept - 15
Dec -15
HTM
29296
30196
25252
22332
24062
AFS
17195
13960
16795
13728
14387
HFT
226
542
537
564
492
46717
44698
42584
36624
38941
62%
37%
1%
HTM
AFS
HFT
TOTAL
Modified Duration
AFS
4.85
Entire Portfolio
4.78
Income & Expenditure

(Rs. Cr)
Q3
Parameters
94%
6%
Interest Income
Non - Interest Income
Dec - 14
Dec - 15
Growth %
Interest Income
3034
3028
(0.20)
Other Income
269
209
(22.30)
Total Income
3303
3237
(2.00)
Interest Expenditure
2479
2290
(7.62)
Operating Expenditure
473
504
6.55
Total Expenditure
2952
2794
(5.35)
Interest Income
(Rs. Cr)
Q3
Dec - 14
Dec - 15
Growth %
Interest on Advances
2140
2232
4.30
Interest on Investments
776
737
(5.03)
Other Interest
118
59
(50.00)
Total Interest Income
3034
3028
(0.20)
Parameters
Non-Interest Income
(Rs. Cr)
Q3
Parameters
Dec - 14
Dec - 15
Growth %
Trading Income
158
45
(71.52)
Recovery in AUC
18
42
133.33
Commission, Exchange & Brokerage
26
31
19.23
Profit on Foreign Exchange
11
11
Charges PC,IC, Service Charges etc.
52
72
38.46
Others
100.00
269
209
(22.30)
Total Non-Interest Income
Operating Expenses
(Rs. Cr)
Q3
Dec - 14
Dec - 15
Variation%
Staff Cost
288
309
7.29
Other Operating Expenses
185
195
5.41
Total Operating Expenses
473
504
6.55
Parameters
Profit and Profitability

(Rs. Cr)
Q3
Dec - 14
Dec - 15
Growth %
Net Interest Income
555
738
33
Operating Profit
351
443
26
Net Profit
37
53
41
Parameters
Operating Performance
800
Fee based Income up by 31%

Net interest income up by 33%
140
738
700
600
(Rs. Cr)
555
80
400
60
300
40
200
20
100
Dec-14
Dec-15
Dec-14
Net Interest Income
Operating profit up by 26%

Net Profit up by 41%
450
400
350
300
250
200
150
100
50
0
93
100
500
122
120
443
351
Dec-15
Fee-based Income
60
53
50
40
37
30
20
10
Dec-14
Dec-15
Operating Profit
Dec-14
Dec-15
Net Profit
Provisions
(Rs. Cr)
Q3
Dec - 14
Dec 15
Increase/
(Decrease)%
Total Provisions & Contingencies
313
390
24.60
Provisions for NPA
328
279
(14.94)
Provisions for Investment
(23)
(2)
(91.30)
Provision for Taxation
73
Other Provisions
40
Parameters
Key Ratios
Quarterly
(In Percent)
Ratios
Dec - 14
March - 15
June - 15
Sept - 15
Dec - 15
Cost of Deposits
8.11
7.99
7.62
7.50
7.26
Yield on Advances
11.30
11.17
10.86
10.83
10.62
Yield on Investments
8.85
8.39
7.88
8.12
8.07
Cost of Funds
7.43
7.49
6.96
6.75
6.69
Yield on Funds
9.10
9.35
8.88
8.77
8.85
NIM
1.88
2.02
2.13
2.30
2.44
RoA
0.11
0.28
0.41
0.34
0.15
Return on Net-worth
2.51
6.50
9.51
7.53
3.39
Productivity
Quarterly
(Rs. Cr)
Parameters
Dec - 14
Mar - 15
Jun - 15
Sept - 15
Dec - 15
Business per Employee
14.86
14.96
14.64
14.38
14.43
Business per Branch
129.83
132.28
121.54
119.84
119.74
Capital Funds (Basel III)

Quarterly
(Rs. Cr)
Particulars
Dec - 14
Mar- 15
Dec - 15
Capital
7573.50
8895.16
8749.44
TierI / Common Equity Tier-1
5605.08
5919.73
5919.10
494.90
490.12
Tier II
1968.42
2480.53
2340.22
Total Risk Weighted Assets
71641.88
77837.56
82164.76
10.57
11.43
10.65
Mar-15
3.19
8.24
Dec-15
2.85
7.80
Additional Tier - 1
CRAR
Total CRAR (%)
12
10
8
(In Percent)
6
4
2
0
Tier-II
Tier-I
Dec-14
2.75
7.82
Book Value
(In Rs.)
73.5
72.56
73
As on 31.12.2015
72.5
72
71.5
Paid up sh. Capital
Rs. 859.12 Cr
Networth
Rs. 6233.72 Cr
71
70.5
69.62
70
69.5
69
31.12.2014
31.12.2015
Asset Quality
Quarterly
(Rs. Cr)
Parameters
31.12.14
31.03.15
30.06.15
30.09.15
31.12.15
Gross NPA
2311
2443
2871
3460
3871
Gross NPA (%)
2.92
2.78
3.39
3.98
4.32
Net NPA
1476
1660
2058
2442
2636
Net NPA (%)
1.89
1.92
2.45
2.84
2.98
Provision Coverage Ratio (%)
65.77
64.01
60.59
58.28
58.07
Gross NPA & Net NPA

In Percent
5.00
4.50
3.97
4.00
3.39
3.50
3.00
2.92
2.84
2.78
2.98
2.45
2.50
2.00
4.32
1.89
1.92
1.50
1.00
0.50
0.00
31.12.2014
31.03.2015
30.06.2015
Gross NPA %
30.09.2015
Net NPA %
31.12.2015
NPA Movement
(Rs. Cr)
2014-15
Particulars
2015-16
Q1
Q2
Q3
Q4
Opening Balance
1986
1986
2239
Additions
561
1292
48
Reductions
Cash Recovery-Ledger
Balance
Q3
Q1
Q2
2311
2443
2871
3460
742
793
887
972
961
230
48
126
263
16
478
1039
670
661
460
383
550
112
333
106
208
73
57
13
Upgradation
226
441
260
231
185
261
467
Write-Off
140
265
304
222
202
65
70
2069
2239
2311
2443
2871
3460
3871
Off Which :
Slippage from
Restructured
Gross NPA
Sector Wise Classification of NPAs

(Rs. Cr)
Sector/Scheme
31.12.14
31.03.15
31.12.15
Agriculture
352
338
509
MSME
433
361
637
Education Loans
31
30
34
Housing Loans
82
57
81
Personal Loans
CRE
113
110
114
Others
1295
1542
2490
Total
2311
2443
3871
Restructuring : Total Loans Restructured

(Rs. Cr)
Details
31.12.14
31.03.15
31.12.15
Industrial Loans
869
1081
1081
MSME
367
521
521
Agricultural Loans
187
185
191
Housing Loans
304
305
305
Infrastructure
4970
5592
5592
CRE
273
273
273
Other Loans
1031
868
868
Total
8001
8825
8831
Balance Outstanding
5290
6193
5226
NPA o/s
729
907
976
Expanding Network
Delivery Channels
Dec 2014
Dec 2015
Branch Network
1565
1797
ATM Strength
1568
1584
Branch Spread
Geographical Centre-Wise Branches

47
120
242
458
207
390
208
491
973
458
Metro
Urban
Semi-Urban
Rural
Central
South
North
East
West
North East
Shareholding Pattern
As on December 31, 2015
8%
3%
2
%
13%
74%
Govt of India
Individuals
DIIs
FIIs
Other Corp
Digital Banking
298939
300000
200000
100000
23572
43370
3.00
0
Dec-14
Dec-14 Mar-15 Dec-15
Expanding Digital Presence
2.61
0
Improving mobile transactions
4.11
Mobile Banking Users

60
Mar-15
Dec-15
Internet Banking Users (In Lakh)

40.64
44.59
51.31
40
20
0
Dec-14
Mar-15
Dec-15
Debit Card Base (In lakh)

Customer Analytics
15.00
13.00
(In Lakhs)
(Million)
14.13
Particulars
Dec 2014
Dec 2015
Advances Clientele
8.16
9.53
Deposits Clientele
124.90
131.79
Total Customer Base
133.06
141.32
13.30
11.00
9.00
7.00
5.00
Customer Base
31.12.2014
31.12.2015
Trust of over 14 million customers
Awards & Accolades : Recognition Galore!!
Awards & Accolades : Recognition Galore!!
http://www.vijayabank.com

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Performance Highlights (Company Update)

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Financial Results

31st December 2015

Growth Powered by Technology, Driven by Customers

Performance Highlights Quarter ended December 2015

Net Interest Income up by 33 %.

Fee based Income up by 32%.

Operating Profit for the quarter up by 26%.

Growth Powered by Technology, Driven by Customers

CASA, Retail & Bulk Term Dep.

Y-o-Y Growth (%)

CASA as % of total deposits

Retail Term Deposits

Bulk Term Deposits

Growth Powered by Technology, Driven by Customers

Diversified Credit Portfolio

Growth Powered by Technology, Driven by Customers

Other retail loans

Total Retail Loans

Retail Credit accounts for 24.75 % of Gross Advances

Growth Powered by Technology, Driven by Customers

Priority Sector Credit

Priority Sector Advances

Priority Sector Advances grew by 27.34 % Y-o-Y

Growth Powered by Technology, Driven by Customers

Sector-Wise Credit Portfolio

Diversified Credit Portfolio

Total Gross Credit

Growth Powered by Technology, Driven by Customers

Social & Commercial Infrastructure

Water & Sanitation

Total Infrastructure Lending

Growth Powered by Technology, Driven by Customers

Exposure to Power Sector

Central Govt. Undertakings

Growth Powered by Technology, Driven by Customers

Debentures & Bonds

Other Approved Securities

Growth Powered by Technology, Driven by Customers

Growth Powered by Technology, Driven by Customers

Income & Expenditure

Growth Powered by Technology, Driven by Customers

Total Interest Income

Growth Powered by Technology, Driven by Customers

Commission, Exchange & Brokerage

Profit on Foreign Exchange

Charges PC,IC, Service Charges etc.

Total Non-Interest Income

Growth Powered by Technology, Driven by Customers

Other Operating Expenses

Total Operating Expenses

Growth Powered by Technology, Driven by Customers

Profit and Profitability

Net Interest Income

Growth Powered by Technology, Driven by Customers

Fee based Income up by 31%

Net Interest Income

Operating profit up by 26%

Total Provisions & Contingencies

Provisions for NPA

Provisions for Investment

Provision for Taxation

Growth Powered by Technology, Driven by Customers