central bank of india presentation to analyst february 02 ,2010
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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.
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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%)
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Demographic Distribution of Branches
39%25%
19%17%
Rural Semi Urban Urban Metropolitan
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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
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Business Growth Rs. in crore
118782
81467 91074
155648
Deposits Advances
Q3FY09 Q3FY1031%
12%
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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
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Deposits
4151346594
77269
109054
CASADeposits
TermDeposits
Q3FY09Q3FY10
Rs in crore
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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
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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
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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
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Cost-Income Ratio
56.4462.82
55.22
46.21
Q4FY09 Q1FY10 Q2FY10 Q3FY10
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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
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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
POWER POINT TEMPLATECompany's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online.
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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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