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Key Summary of Business Performance (as on 31.03.2024)

Business

• Global Business increased by 11.31% (y.o.y) to Rs 2272968cr as at Mar 2024 with Global Deposits at Rs 1312366cr11.29% (y.o.y) and Global Advance (gross) at Rs 960602cr11.34%(y.o.y).
• Domestic Deposit of the Bank stood at Rs1214951Cr as at Mar 2024 with growth of 10.98%(y.o.y).
• Domestic Advances (gross) of the Bank stood at Rs908182 Cr as at Mar 2024 grew by11.06%(y.o.y).
• Retail lending Portfolio increased 11.68% (y.o.y) to Rs156414 Cr as at Mar2024.
• Housing Loan Portfolio increased 10.81% y.o.y to Rs93482Cr
• Advances to Agriculture& Allied grew by 18.69% (y.o.y) to Rs. 253206 Cr as at Mar2024.

Asset Quality

• Gross Non-Performing Assets (GNPA) ratio reduced to 4.23% as at Mar 2024 down from 4.39% as at Dec 2023, 5.35% as at Mar 2023.
• Net Non-Performing Assets (NNPA) ratio reduced to 1.27% as at Mar2024 down from 1.32% as at Dec2023, 1.73% as at Mar 2023.
• Provision Coverage Ratio (PCR) stood at 89.10% as at Mar 2024 against 89.01% as at Dec2023, 87.31%

as at Mar 23.

Capital Adequacy

• CRAR stood at 16.28% as at Mar 2024 (15.78% as at Dec 2023). Out of which Tier-I is 13.95%

(13.38% as at Dec 2023), CET1 is 11.58% (11.28% as at Dec 2023) and Tier-II is 2.33% (2.40% as at Dec 2023)

• Bank successfully raised capital during FY23 through:

AT-1 Bonds: Rs.3403 Cr

Priority Sector & Financial Inclusion

• The Bank has achieved Targets in Priority Sector at 46.08% and Agricultural Credit at22.71% of ANBC as at Mar 2024, as against the norm of 40% and 18%respectively.
• Credit to Small and Marginal Farmers stood at 16.08% of ANBC, against the norm of 10.00%.
• Credit to Weaker Sections stood at 22.36% of ANBC, against the norm of12.00%.
• Credit to Micro Enterprises stood at 9.92% of ANBC, against the norm of7.50%.
• Credit to Non Corporate Farmers stood at 19.13% of ANBC, against the norm of13.78%.

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