CENTRAL BANK OF INDIA Presentation to Analyst February 02 ,2010

POWER POINT TEMPLATECompany's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online.

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CENTRAL BANK OF INDIA

Presentation to Analyst February 02 ,2010

FINANCIAL RESULTS FOR THE QUARTER ENDED 31ST DECEMBER 2009.


Performance HighlightsQ3 FY10 9M FY10

Net Interest Income 8.7% 4.8%

Non Interest Income 17.0% 105.2%

Operating Revenue 15.0% 14.1%

Operating Profit 26.5% 49.1%

Net Profit 13.3% 74.4%

Net Interest Margin 2.04% 1.84%

Cost of Funds 6.16% 6.38%1

POWER POINT TEMPLATECompany's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. Bank With Pan India Presence

125(3%)

483(14%)

954(27%)

750(21%)

748(21%)

499 (14%)


Demographic Distribution of Branches

39%25%

19%17%

Rural Semi Urban Urban Metropolitan


Brick & Mortar PresenceTotal Branches 3559

Rural 1379

Semi Urban 894

Urban 681

Metropolitan 605

ATMs 400

CBS Branches 1223

Zonal Offices 16

Regional Offices 78

Number of RRBs 8

Total Number of RRB Branches 1734


Business Growth Rs. in crore

118782

81467 91074

155648

Deposits Advances

Q3FY09 Q3FY1031%

12%


Business Growth

Q3FY10 Q3FY09 YoY Growth (%)

FY09 GrowthOver

Mar’09

Deposits 1,55,648 1,18,782 31.03 1,31,272 18.60%

Loans & Advances

91,074 81,467 11.80 86,740 5.00%

Business Mix 2,46,722 2,00,249 23.21 2,18,012 13.17%

Investments 54,338 37,025 46.80 44,446 22.30%

Rs in crore


Deposits

4151346594

77269

109054

CASADeposits

TermDeposits

Q3FY09Q3FY10

Rs in crore


Distribution of Deposits

13%

13%

19%55%

Rural Semi-Urban Urban Metropolitan

POWER POINT TEMPLATECompany's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online. Segment-wise Deposits

Deposits Q3FY10 YOY Growth %

Q3FY09 YOY Growth %

Current 9424 (2.40) 9652 17.4

Savings 37170 16.7 31861 11.4

Total CASA 46594 12.2 41513 12.6

Term 109054 41.1 77269 28.3

Total Deposits 155648 31.0 118782 22.4

Rs in crore

POWER POINT TEMPLATECompany's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online.Loans & Advances

Q3FY10 Q3FY09 YoY Growth

(%)

FY09 YoY Growth

(%)

Total Loans & Advances

91,074

81,467 11.8

86,740 5.0

- Corporates & Others

50,060(55.0%)

45,868 (56.3%)

9.2 48,338(55.72%)

3.6

- Priority Sector

30,731(33.8%)

26,778 (32.9%)

14.8 29332 (33.81%)

4.8

- Retail 10,283(11.3%)

8821 (10.9%)

16.6 9070 (10.45%)

13.4

-Housing 5026 4391 14.5 4422 13.7

-Education 1082 781 38.6 857 26.3

-Others 4175 3649 14.4 3791 10.2

Rs in crore


Retail Advances Portfolio

43915026

7811082

36494175

Housing Education Others

Q3FY09 Q3FY10Rs in crore

POWER POINT TEMPLATECompany's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online.Profitability

Q3FY10 Q3FY09 QoQ Growth

(%)

9MFY10 9MFY09 YoY Growth

(%)

Gross Income 3495.42 3033.41 15.23 10075.60 8374.83 20.30

GrossExpenses

2905.66 2566.95 13.20 8611.11 7392.63 16.48

Operating Profit

589.76 466.46 26.43 1464.49 982.20 49.10

Net Profit 306.45 353.26 (13.25) 887.17 508.73 74.38

NIM (%) 2.04 2.37 1.85 2.16

Net InterestIncome

730.51 671.94 8.71 1881.65 1795.04 4.82

Non Interest Income

364.12 311.19 17.00 1166.30 566.92 105.72

Rs in crore


Profitability Indicators(%) Q3FY10 Q3FY09 9MFY10 9MFY09 FY

2008-09

Yield on Advances 9.82 10.46 9.89 10.23 10.19

Yield on Investments 6.72 7.14 6.70 7.03 6.89

Cost of Deposits 6.10 6.89 6.34 6.82 6.90Cost to Income Ratio 46.21 52.55 51.95 58.42 56.44

Non-Interest Income/Total Income

10.41

10.25

11.57

6.76

9.28

Cost of Funds 6.16 6.94 6.38 6.83 6.94Yield on Funds 8.81 9.61 8.84 9.38 9.24


Cost-Income Ratio

56.4462.82

55.22

46.21

Q4FY09 Q1FY10 Q2FY10 Q3FY10


Other IncomeQ3FY10 Q3FY09 YoY

Growth(%)

9MFY10 9MFY09 Growth(%)

Commission,Exchange andBrokerage

115 94 22.34 367 301 21.92

Trading Profit On Investments

175 161 8.7 605 117 209

Recovery In Written OffAccounts

33 12 175 116 45 157.8

Other Income 41 44 (6.81) 78 104 (25)

Total 364 311 17.04 1166 567 105.64

Rs in crore


Investments: ClassificationQ3FY10 % of

Total PortfolioQ3FY09 % of Total

Portfolio

SLR 48864 89.92 30707 82.94

Held For Trading 688 1.26 5 0.01

Available For Sale 14816 27.26 9803 26.48

Held To Maturity 38834 71.46 27217 73.51

Non-SLR 5474 10.08 6318 17.06

Total 54,338 100 37,025 100

Shifting of Securities

AFS to HTM 1175 1142.73

HTM to AFS 32.15 0

Rs in crore


9MFY10 9MFY09

Return on Avg Assets (%) 0.76 0.54

Earnings per Share (Rs.) 21.95 12.58

Return on Equity (%) 18.63 12.06

Key Performance Indicators

POWER POINT TEMPLATECompany's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online.Shareholding Pattern as on December ’2009

Government of India 80.20FI s 6.53FII s 4.82Insurance Cos. 0.23Other Body Corp. 0.81Public 4.85Others 2.56

Shareholding

80.20

6.53

4.82

0.23

0.81

4.85

2.56 Government ofIndiaFI s

FII s

Insurance Cos.

Other Body Corp.

Public

Others


NPA Movement9MFY10 9MFY09

Gross NPAs:Opening on 1st April 2443 2470

Add:Additions 542 340

Less:Deductions

1.Write Off 3 1

2.Upgradation 133 203

3.Recoveries 245 208

Gross NPAs 2477 2288Gross Credit 91074 81467

Gross NPA as % of GBC 2.72 2.81

Net Advances 89252 80120

Net NPA 661 945Net NPA as % of Net Advances 0.74 1.18

Rs in crore


NPA Details

Q3FY10 Q3FY09 FY09

Gross Advances 91074 81467 86740

Standard 88596 79179 84423

Sub-Standard 688 466 590

Doubtful 1533 1648 1658

Loss 256 174 69

Provisions 1816 1343 1253

NPA Coverage % 73.33 58.70 54.32

Rs in crore


Provisions

Q3FY10 Q3FY09 9MFY10 9MFY09

Taxation 104 210 360 309

NPA (excluding adhoc provision for Standard Assets)

16 11 114 55

Standard Assets 0 5 0 4

Depreciation/Provision on Investments

144 (115) 58 57

Others (Frauds,Restructured Adv. etc.)

19 2 45 3

Total 283 113 577 473

Rs in crore


Restructured Assets

Sr. No. Details of Restructured Accounts Accounts Amount Amt ofProvisions

1 March 2008-09 34861 2013.15 46.18

2 April-June 2009 1461 1664.32 5.78

3 July-Sept 2009 1443 351.82 10.40

4 Oct-Dec 2009 100 28.72 0.76

Total 37865 4058.01 63.12

NPA out of Restructured Accounts 8 6.3

Rs in crore


Capital Adequacy (%)

10.43

12.58

5.687.14

4.955.44

CRAR Tier I Tier II

Q3FY09 Q3FY10

Period 9MFY10 9MFY09 FY 2008-09

Basel I

CRAR 11.83 10.02 11.75

Tier I 6.71 5.35 6.24

Tier II 5.12 4.67 5.51

Basel II

CRAR 12.58 10.43 13.12

Tier I 7.14 5.68 6.97

Tier II 5.44 4.95 6.15


TECHNOLOGY INITIATIVES

Phase I of CBS completed with 1200 branches under CBS,

which constitute 80% of the Bank’s business.

Remaining Branches to come under CBS by end of fiscal year

2010-11

Implementation of IT based Financial Inclusion in four

districts-the Biometric Smart Card

SMS Alerts for all account holders

Currently the Bank has 400 ATMs and is planning to add 1500

more by the end of 2010-11.

Pre Activated Debit Card

New Initiatives


TECHNOLOGY INITIATIVES

3D secure code for online credit transactions.

Online trading Portal

Internet Banking, Both for Retail as well as Corporate Clients

Auto Debit Facility introduced for payment of bills.

E-Tax has been introduced through e-banking

New SWIFT Alliance Messenger has been implemented

TREASURY AND INVESTMENT

Operations in Currency Futures & Interest Rate Futures

New Initiatives


HR INITIATIVES Recruiting young and dynamic professionals to bring the

Average Age of the employees down Regular Training for Senior Management from reputed

Industry Experts

STRATEGIC INITIATIVES

Organisational Restructuring: The bank has created a Large Corporate Vertical and is in process of forming Mid Corporate Vertical

The move is aimed to speed up the Loan/Advances sanctioning process.

Formed Asset Recovery Branches Centralised Credit Processing Centre for Retail Loans.

New Initiatives


Awards Received in 2009-10

Best Education Loan Provider Award (Outlook Money NDTV Profit Awards ) for second year in succession

In recognition of Bank’s Technology adaption, Bank has been awarded with Best Customer Technology Award in the PSU Bank category by IBA-TFDI in January, 2010


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CENTRAL BANK OF INDIA Presentation to Analyst February 02 ,2010

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