Brief History

"Andhra Bank" was founded by the eminent freedom fighter and a multifaceted
genius, Dr.Bhogaraju Pattabhi Sitaramayya. The Bank was registered on !th
"o#ember $%& and commenced business on 'th "o#ember $%& with a (aid u(
ca(ital of )s $.!! lakh and an authorised ca(ital of )s $!.!! lakhs.

PERFORMANCE HIGHLIGHTS OF ANDHRA BANK
(FOR THE QUARTER ENDED 31 st DECEMBER 2008)
An!"# B#n$ %s &'(#s( t) #nn)*n+( t!( F%n#n+%#' R(s*'ts ,)" t!(
Q*#"t(" (n( 31 st D(+(-.("/ 20080 B#n$ !#s s!)1n %-&")2(-(nt %n
$(3 .*s%n(ss &#"#-(t("s ,)" 4*#"t(" 3 ), 2008506 +)-&#"( t)
Q*#"t(" 3 ), 20075080
Operating Profit increased by 29.22%
Net Profit increased by 33.74%
Total Business increased by 27.38 % at s.9!"822 crore.
Total #eposits increased by 22.!$ % at s. !3"79! crore.
%&'& #eposits as a percentage to Total #eposits stood at 3$.82%
%redit increased by 34.2$% at s. 42"(27 crore
Net )nterest )nco*e increased by 29.28 %
Net )nterest +argin ,N)+- stood at 3.3! %.
Ot.er )nco*e increased by 28./8%
Percentage of 0ross NP&s to 0ross &d1ances declined fro* $.3!%
,3$.$2. (7- to (.89 % ,3$.$2. (8-
Percentage of Net NP&s to Net ad1ances is at (.2$%.
%& stands at $2./9% as against B) nor* of 9%
eturn on &ssets at $.4$%
$"(/7 branc.es are broug.t under %ore Ban2ing 'olutions ,%B'- in
a record ti*e of $( *ont.s.
Opened epresentati1e Office in 3ersey %ity" Ne4 3ersey in
No1e*ber 2((8.
SOUNDNESS
%apital to is2 4eig.ted &ssets atio ,%&- is at $2./9% against
prescribed B) nor* of 9%.
eturn on &ssets i*pro1ed fro* $.2/% ,3$.$2.(7- to $.4$%
,3$.$2.(8-.
%lient base is o1er $8.! *illion.
Total Nu*ber of Business #eli1ery %.annels increased fro* 2(4/
,3$.$2.(7- to 2$94 ,3$.$2.(8-.
Total Nu*ber of branc.es increased fro* $343 ,3$.$2.(7- to $"4$(
,3$.$2.(8- co1ering 22 states and 2 5nion Territories.
Nu*ber of &T+s increased fro* !92 ,3$.$2.(7- to /8! ,3$.$2.(8-.
Per 6*ployee Producti1ity i*pro1ed fro* s.!.7$ cr. ,3$.$2.(7- to
s. /.92 cr. ,3$.$2.(8-.
Ban2 ai*s at surpassing Business le1el of s.$"(("((( crore by
3$.3.2((9.
EFFICIENCY OF OPERATIONS
Total )nco*e increased by 29./4% fro* s. $233 cr. to s.$!99 cr.
)nterest )nco*e increased by 29.79 % fro* s. $(/! cr. to s. $382
cr.
Net )nterest )nco*e increased by 29.28% fro* s. 3!(cr. to s. 4!2
cr.
T.e Net )nterest +argin is at 3.3!% co*pared to 3.$2% , #ec" (7-.
Ot.er )nco*e i*pro1ed fro* s. $/8 cr. ,3$.$2.(7- to s. 2$7 cr.
,3$.$2.(8-.
Operating Profit i*pro1ed fro* s. 288 cr. ,3$.$2.(7- to s. 373 cr.
,3$.$2.(8- 4it. a gro4t. of 29.22 %
Net Profit increased by 33.74% fro* s.$!9 cr. ,3$.$2.(7- to
s.2$3 cr. ,3$.$2.(8-.
BUSINESS LEVELS
Total Business reac.ed a le1el of s. 9!"822 cr. ,3$.$2.(8- fro* s.
7!"22! cr. ,3$.$2.(7- 4it. a gro4t. of 27.38%
Total #eposits gre4 by 22.!$% fro* s. 43"9$$ cr. ,3$.$2.(7- to
s. !3"79! cr. ,3$.$2.(8-
Ban2 %redit increased fro* s. 3$3$4 crore ,3$.$2.(7- to s.
42"(27 crore ,3$.$2.(8-" 4it. 7o7 gro4t. of 34.2$%.
T.e %redit #eposit ratio is at 78.29 %.
PRIORITY SECTOR CREDIT
Priority 'ector &d1ances are at s. $4"$94 cr." constituting 4$.(7 %
of &d1ances against t.e prescribed nor* of 4(%.
&gricultural &d1ances are at s. /"48! cr." constituting $8.77% of
&d1ances against t.e prescribed nor* of $8%.
$"4("32$ ne4 far*ers ta2en into Ban2 s fold during t.e current
financial year so far.
+ore t.an 2(3!(( '80s 4ere e9tended credit of s.$449 %r.
5nder #ebt '4apping 'c.e*e to far*ers and '80s" Ban2
e9tended credit around s. $4$ crore.
%redit e9tended to +'+6 'ector i*pro1ed fro* s.39$! cr.
,3$.$2.(7- to s.497$ cr. 4it. 7o7 gro4t. of 2/.98%
)n tune 4it. go1ern*ent guidelines " Ban2 .as e9tended t.e facility
of estructuring to /38 +'+6 borro4ers in1ol1ing an a*ount of
s.99 cr.
+'+6 %are cells are *ade operational at %ontrolling Office le1el
for pro1iding %redit %ounselling ser1ices to +'+6 borro4ers.
V. RECOVERY MANAGEMENT
T.e percentage of 'tandard &ssets to Total &d1ances increased to
99.$$% ,3$.$2.(8- fro* 98./!% ,3$.$2.(7-.
)n absolute ter*s" 0ross NP&s declined fro* s. 42$.94 cr.
,3$.$2.(7- to s.373.3/ cr. ,3$.$2.(8-.
0ross NP&s as a percentage to 0ross &d1ances declined fro*
$.3!% ,3$.$2.(7- to (.89% ,3$.$2.(8-.
Net NP&s are at s. 8/ cr." representing (.2$% of Net &d1ances.
T.e Pro1ision %o1erage atio for NP&s is at 7/.7$ %.
T.e 'lippage atio ,Total fres. NP&s added as a percentage to
'tandard &ssets at t.e beginning of t.e year- declined fro* (.47%
,3$.$2. (7- to (.38% ,3$.$2. (8-.
Technology Front In!t!"t!#e$%
Ban2 is *igrating to %entrali:ed %ore Ban2ing 'olution . &lready"
$"(/7 branc.es .a1e *igrated to %B'.
)nternet Ban2ing 4it. custo*er Transaction facility launc.ed
+obile &lerts introduced
Ta9 Pay*ent on line ,e;Ta9- facility introduced.
)nstant issuance of #ebit %ard facility introduced.
Pro&'ct$ !ntro&'ce&%
&B Pre*iu* %urrent &ccount and &B Pri1ilege %orporate 'alary
'a1ings Ban2 account 'c.e*es 4it. 1alue added ser1ices to
custo*ers launc.ed.
&B 'aral 8ousing <oan sc.e*es for <oans up to s.! la2.s 4it.
$(% *argin and interst rate of 8.!% and for <oans abo1e s.! la2.s
and up to s.2( la2.s "4it. *argin of $!% and )nterest rate of
9.2!% introduced.
Ser#!ce$ !ntro&'ce&%
'ale of 0old %oins launc.ed on $.$.2((9
Ban2 entered into Tie 5ps 4it. += organi:ations suc. as eliance"
>ota2 +a.indra" =edility +utual =und and Birla 'un <ife +utual
=und for sale of t.eir +utual =und Products.
+O5 signed 4it. +?s.+arut.i 'u@u2i <td for =inancing 4 A.eelers
Other In!t!"t!#e$ t"(en%
Ban2 .as t4o epresentati1e Offices ; one in #ubai and anot.er in
Ne4 3ersey. T.e epresentati1e Office in Ne4 3ersey 4as opened
on 22.$$.2((8.
Ban2 for*ed 3oint Benture 4it. Ban2 of Baroda and <egal C
0eneral group of 5.>. to to ta2e up )nsurance Business.
Ban2 is entering +o5 4it. Ban2 of Baroda and )ndian O1erseas
Ban2 for for*ing a Ban2ing 'ubsidiary in +alaysia
&s a part of =inancial )nclusion " Ban2 adopted t4o districts"
na*ely" 'ri2a2ula* in &nd.ra Prades. and 0an@a* in Orissa and
ac.ie1ed $((% co1erage.
Ban2 .as introduced '*art %ard 'c.e*e Pilot pro@ect in Aarangal
#istrict and t.e sa*e 4ill be e9tended to ot.er <ead #istricts of t.e
Ban2 in due course.
Ban2 also disbursed 'ocial 'ecurity Pensions t.roug. '*art %ards
in Tallare1u branc. of 6ast 0oda1ary #istrict.
Ban2 .as opened *ore t.an 2.!( la2. accounts under No;frill
accounts .
T.roug. its $( ural Training )nstitutes " Ban2 trained 7/3((
candidates for ta2ing up gainful self e*ploy*ent . &part fro*
rei*burse*ent of to and fro tra1el e9penditure for attending
training" all t.ese candidates are pro1ided free lodging and boarding
facilities and training inputs.


Founder

Dr Bhogaraju Pattabhi Sitaramayya was born on *th "o#ember $''! in
+undugolanu #illage, ,est +oda#ari District in Andhra Pradesh. -e was a renowned
.reedom .ighter and a #ery illustrious (ersonality.
/or(orate 0dentity
TOGETHERNESS IS THE THEME
The Symbol of Infinity denotes a Bank that is (re(ared to do any thing, to go to
any lengths, for the customer
The Blue pointer on the to( re(resents the (hiloso(hy of a Bank that is always
looking for growth and newer directions.
The Key hole re(resents Safety and Security
The Chain indicates togetherness
The colours Red and Blue denote dynamism and solidity
OUR TO E!ECUTI"ES #
'8) ' 6##7" %8&)+&N &N# +&N&0)N0 #)6%TO
'.ri ' eddy too2 c.arge as %.air*an and +anaging #irector of &nd.ra Ban2 on
(2.(8.2((8.
8e is a Post 0raduate in &griculture. 8e .ails fro* Bagepalli in >arnata2a 'tate. 8e .ad
.is initiation into t.e corridors of ban2ing ser1ices as a Probationary Officer in Ban2 of
)ndia in +ay $974.
8e .as 34 years of e9perience as a Ban2er in *ultifarious assign*ents ; as Officer"
Branc. +anager" #e1elop*ent +anager" egional +anager and 0eneral +anager in
1arious geograp.ical locale; li2e t.e states of >arnata2a" 0oa" &nd.ra Prades. and
+a.aras.tra D and a t.ree and .alf year stint abroad in Ne4 7or2 as t.e %.ief
69ecuti1e of Ban2 of )ndiaEs &*erican Operations.
On .is return to )ndia fro* .is 5 ' assign*ent in 3uly 2((!" '.ri eddy too2 up t.e reins
of t.e crucial depart*ent of &sset eco1ery in addition to etail Business in Ban2 of
)ndia and 4as instru*ental in initiating strong *easures in reco1ery resulting in
substantial reduction in Non Perfor*ing &ssets and in aug*enting Non )nterest )nco*e.
Prior to @oining in our &nd.ra Ban2" '.ri ' eddy 4as 69ecuti1e #irector of 5nion
Ban2 of )ndia fro* ($.(!.2((/ to ($.(8.2((8.
'.ri &nil 0irotra " 69ecuti1e #irector
'ri &nil 0irotra" +.'c." <<B" %&))B" #ip. in Per. +gt. D #ip. in %orporate <a4s .as
@oined &nd.ra Ban2 as 69ecuti1e #irector on $7.(!.2((8. Prior to @oining &nd.ra Ban2"
.e 4as .eading 5> Operations of %anara Ban2 in <ondon as %.ief 69ecuti1e. 8e @oined
%anara Ban2 as Officer Trainee in 'epte*ber $97!. 8e .eld i*portant positions 1i:."
.eaded egional Office" +u*bai D .eaded <uc2no4 %ircle co1ering 5ttar Prades."
5ttar2.and 'tates D .eaded >ol2ata %ircle co1ering Aest Bengal" Orissa and
Nort.eastern 'tates D .eld 'enior position in 8ousing =inance %o*pany of %anara Ban2 D
.eaded +erc.ant Ban2ing #i1ision of t.e ban2 in nort.ern )ndia. 8e .as 33 years of
1aried e9perience in Ban2ing Operations and &d*inistration. 8e e1inces interest in
anyt.ing ne4 ; be it tec.nology" sports etc."
N#-(s 8 &#"t%+*'#"s ), t!( (9(+*t%2(s (G(n("#' M#n#:("s) #t H(# O,,%+(/
H3("#.#
0eneral +anagerEs Na*e %ontact Nu*ber 69tension Nu*ber
'ri &.<. Nages4ara ao (4(;232$$9$! 69tn F 227(
'ri .3. Baidyanat.an (4(;232379$! 69tn F 22!(
'ri '. 'uryanarayana (4(;232$(8!2 69tn F 228(
'ri T ' Tri1edi (4(;232$$(24 69tn F 229(
'ri # 3ogi a@u (4(;2324$(99 69tn F 22/(
'ri a2es. 'et.i (4(;2324$89$ 69tn F 222(
'ri Nil*ani Patel (4(;232$(3$4 69tn F 237(
'ri P 'rini1as (4(;232$(234 69tn F 22$(
'ri 8 N #as (4(;2323!344 69tn F 223(
E9(+*t%2(s (G(n("#' M#n#:("s) #t )t!(" &'#+(s;
69ecuti1es ,0eneral
+anagers-
%ontact
Nu*ber
Gone
'ri B a@ >u*ar
(4( ;
247!7472 0.+. ; 8yderabad Gone
'ri + &n@aneya Prasad
(22 ;
2/87/$82
0.+. ; +u*bai Gone
'ri B. a*gopal
(22 ;
227(((!2
0.+. ; =unds C )n1est. ,+u*bai-
'ri ' Prab.a2ar eddy
(4( ;
247!(!/9
0.+.; &B Building"'ultan Ba:ar" >oti
8yderabad
'ri B ' 0opal
($24 ;
2!8$934
0.+. ; Ne4 #el.i Gone
A.)*t )*" B#n$<s 1(.s%t( ;
&nd.ra Ban2Es 4ebsite is a1ailable at 444.and.raban2.in. Aebsite is de1eloped in t.ree
languages 1i:." 6nglis." 8indi and Telugu. Ours is t.e first Nationalised Ban2 to air our
4ebsite in 1ernacular regional language" Telugu to reac. t.e co**on *an. Our
4ebsite pro1ides salient features of our Ban2Es products and ser1ices" cuto*er
oriented policies" etc." Aebsite is *aintained and *onitored by %orporate
%o**unications #epart*ent" &nd.ra Ban2" 8ead Office" 8yderabad. Aebsite is .osted
by +?s 'ify Tec.nologies <td." %.ennai" )ndia.