ANDHRA BANK 
By PERFORMANCE HIGHLIGHTS FOR DECEMBER 2012
Total Business crossed the Rs 2,00,000 Crore Mark registering a Year on Year Growth of 14.0%Performance Highlights for the Q3 FY 2012-13 and 9M FY 2012-13 ended December 2012
TOTAL BUSINESS
• Total Business of the Bank stood at Rs 2,02,740 Crore, recording a Y-o-Y
growth of 14.0% over Rs 1,77,850 Crore at the end of Dec'11.
• Deposits at the end of Dec'12 stood at Rs 1,12,448 Crore as compared to
Rs 98,680 Crore at the end of Dec'11, registering a Y-o-Y growth of 14.0%.
• Advances recorded a Y-o-Y growth of 14.0% to reach Rs 90,292 Crore at the end of Dec'12 against Rs 79,169 Crore at the end of Dec'11.
• CASA Deposits increased to Rs 29,265 Crore at the end of Dec'12 from
Rs 26,261 Crore at the end of Dec'11, recording a Y-o-Y growth of 11.4%.
• CASA share in Total Deposits at the end of Dec'12 stood at 26.0%.
• Total Income during Q3 FY'12-13 rose by 9.8% to Rs 3469 Crore from
Rs 3158 Core in Q3 FY' 11-12.
• Total Income during 9M FY'12-13 increased to Rs 10,244 Crore, recording a
Y-o-Y growth of 14.2%.
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• Other Income during Q3 FY'12-13 rose by 1.3% to Rs 238 Crore from
Rs 235 Crore in Q3 FY' 11-12.
• Other Income during 9M FY'12-13 increased to Rs 693 Crore, recording a
Y-o-Y growth of 10% over 9M FY'11-12.
• Operating Profit for Q3 FY'12-13 stood at Rs 712 Crore as against
Rs 767 Crore for Q3 FY'11-12.
• Operating Profit for 9M FY'12-13 stood at Rs 2,054 Crore as against
Rs 2,154 Crore during 9M FY'11-12.
• Net Profit for Q3 FY'12-13 stood at Rs 257 Crore as against Rs 303 Crore for
Q3 FY'11-12.
• Net Profit for 9M FY'12-13 stood at Rs 945 Crore as against Rs 1,005 Crore for 9M FY'11-12.
• Gross NPA ratio stood at 3.66% while Net NPA ratio stood at 2.29% for
Dec'12 respectively.
• Net Interest Margin (NIM) stood at 3.35% for Q3 FY'12-13 and 3.27% for 9M FY'12-13.
• Return on Assets stood at 0.79% for Q3 FY'12-13 and 0.99% for 9M of
FY'12-13.
• Cost of Deposits stood at 7.77% for Q3 FY'12-13 and 7.84% for 9M FY'12-
13 respectively.
• Yield on Advances stood at 12.05% for Q3 FY12'13 and 12.06% for 9M FY'12-13.
• Cost to Income ratio stood at 41.13% for Q3 FY'12-13 and 41.28% for 9M FY'12-13.
• Earnings Per Share was at Rs 16.88 for the 9 month period ended Dec'12.
• Book Value per Share improved to Rs 145.16 in Dec'12 from Rs 126.02 in
Dec'11.
• CRAR of the Bank stood at 11.86% under BASEL-II (Tier-I Capital: 8.06%; Tier-II Capital: 3.80%).
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ASSET QUALITY
• Gross NPAs of the Bank stood at Rs 3301.96 Crore and the Gross NPAs to Gross Advances Ratio stood at 3.66% for the period ended Dec'12. Net NPAs stood at Rs 2023.32 Crore and the Net NPAs to Net Advances Ratio stood at
2.29% for Dec'12.
• During the Current FY, the Bank has opened 104 Branches and added
116 ATMs taking the PAN India presence to 3,040 Delivery Channels consisting of 1,816 Branches, 15 Extension Counters, 37 Satellite Offices and 1,172 ATMs. PRIORITY SECTOR• Priority Sector Advances improved to Rs 29,920 Crore as on 31.12.2012 from Rs 24,197 Crore as on 31.12.2011, recording a growth of 23.7%.
AGRICULTURE• Advances to Agriculture as on 31.12.2012 have gone up to Rs 14,414 Crore from Rs 11,368 Crore as on 31.12.2011, recording a growth of 26.8%.
M S M E
• MSME Advances registered a Y-o-Y growth of 19% and stood at
Rs 14,112 Crore as on 31.12.2012 as against Rs 11,862 Crore as on
31.12.2011.
• Retail Credit Portfolio of the Bank increased to Rs 12,290 Crore as on
31.12.2012 compared to Rs 10,931 Crore as on 31.12.2011, registering a
Y-o-Y growth of 12.4%.
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ADVANCES TO MICRO & SMALL ENTERPRISES
• Advances to Micro & Small Enterprises registered a growth of 29.8% (Y-o-Y) and stood at Rs 9,400 as on 31.12.2012 as against Rs 7,243 Crore as on 31.12.2011.
• Our Bank has 18 Specialized MSME Branches operating in the States of Andhra Pradesh, Orissa, Tamil Nadu, Punjab and Chattisgarh. Three more Branches have been identified as Specialized MSME Branches, viz. Rajam Branch (Andhra Pradesh), Red Hills Branch (Tamil Nadu) and Jalandhar Branch (Punjab).
• Our Bank is initiating steps for opening of Small B Branch in Hyderabad as per Government of India guidelines with a view to provide debt assistance for Innovative Enterprises / Start ups.
• Our Bank is giving thrust to collateral free lending and credit was extended to
5,194 accounts under CGTMSE Scheme with an outstanding amount of
Rs 245 Crore as on 31.12.2012.
• Advances to Weaker Section stood at Rs 8,737 Crore as on 31.12.2012.
Weaker Section Advances as a percent to ANBC stood at 10.27% (As against the target of 10%).
• Credit extended to Minorities stood at Rs 2,782 Crore, constituting 9.30% of
Priority Sector Advances.
• Total Credit extended to SC / ST Beneficiaries under Priority Sector
Advances stood at Rs 1,155 Crore as on 31.12.2012.
• Total Credit extended to Women Beneficiaries stood at Rs 7,210 Crore as on 31.12.2012, which is 7.97% of Net Bank Credit (As against the target of
5%).
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SELF HELP GROUPS• Bank covered a total of 2,25,003 Self Help Groups with outstanding financial assistance of Rs 3,077 Crore.
FINANCIAL INCLUSION
• Bank has covered all the allotted villages having population above 2000 with
Business Correspondent operated Banking Outlets by March 2012.
• As at the end of December 2012, 6.80 lakh AB Grama Kranthi Savings Accounts with built-in Overdraft Facility of Rs 500/- were opened through BC Agents in FI Villages.
• Our Bank has taken up a special campaign to cover 100% farmers through Bank finance in Bank's Service Area Villages. Around 50,381 new farmers are covered with Bank Finance during the year (up to 31.12.2012).
• Bank has been implementing Smart Card Project in association with Government of Andhra Pradesh in 4 Districts, viz., Srikakulam, Warangal, Guntur and East Godavari, for distribution of Government benefits such as Social Security Pensions and Wages under MGNREG Scheme. The Scheme is operated in 'Business Correspondent Model'.
• To facilitate Banking Services at the door step of SHGs, Bank launched a Pilot Project of "Smart Card Scheme for SHGs" through Business Correspondents in 4 villages, viz., Rayavaram, Kadiam, Anaparthi and Bibinagar. A total number of 2400 SHGs are availing the facility of Branchless Banking Model, thereby saving their time and money.
• Under the aegis of Andhra Bank Rural Development Trust, Bank has set up
11 Rural Self Employment Training Institutes (RSETIs) at various Centres (in Andhra Pradesh, Odisha and Kerala) and need based training for capacity building, entrepreneurial development and dissemination of knowledge is imparted to farmers, SHG Women, Rural unemployed youth and Artisans.
• Since its inception 1,15,083 candidates have been trained through 3,710 programmes by the Institutes and around 65.98% of the trained candidates are engaged in gainful ventures. During the year 2012-13, the Institutes imparted training to 7,723 candidates through 305 programmes.
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• Out of 11 Institutes, 5 are awarded A+/A rating by Ministry of Rural Development, Government of India. Further, Andhra Bank Institute of Rural Development (ABIRD) Rajahmundry secured First Prize among all RSETIs in the Country.
• Bank has established six Financial Literacy and Credit Counseling Centres in 6 Lead Districts of the Bank, viz., Eluru, Guntur, Kakinada and Srikakulam (in Andhra Pradesh), Ganjam and Gajapathi (in Odisha). The Centers are promoting financial literacy and providing credit related extension services.
NEW INITIATIVES
• Online filing and tracking of loan applications has been introduced in our bank to provide efficient and convenient service to the customers and to bring greater transparency in processing the loan application.
• ASBA facility, hitherto provided to only 26 Branches, has been extended to all Metro and Urban Branches of our Bank.
• Public Grievance Redressal System (PGRS) has been developed in-house by our Bank's Department of Information Technology for enabling the customers to register their complaints online on Bank's website. On lodgement, system will display a unique Tracking ID which can be used by customers to track the status of their complaints.
• Bank had earlier launched IMPS P2P (Person-to-Person) funds transfer through Mobile Banking, which requires the remitter to make funds transfer using IMPS with Beneficiary Mobile Number and MMID. Now, Bank has launched IMPS P2A (Person to Account) funds transfer facility using Beneficiary account number and IFSC code. The IMPS facility is extended to customers through our Bank's ATMs also.
• Our Bank has launched a new facility using which our customers can reset their Internet Banking Login Password on their own. This facility is presently enabled for retail customers only.
• "Special Jury Award" instituted by National Payments Corporation of India (NPCI) as part of NFS Operational Excellence Awards 2012 was presented to Andhra Bank in December 2012. This Award was given to the Bank in recognition of its excellent performance in key parameters in respect of ATMs and Switch connected to NFS ATM Network.
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