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This presentation has been prepared by Oriental Bank of Commerce (the “Bank”) for general information purposes only, without regard to any specific objectives, suitability, financial situations and needs of any particular person and does not constitute any recommendation or form part of any offer or invitation, directly or indirectly, in any manner, or inducement to sell or issue, or any solicitation of any offer to purchase or subscribe for, any securities of the Bank, nor shall it or any part of it or the fact of its distribution form the basis of, or be relied on in connection with, any contract or commitment therefor. This presentation does not solicit any action based on the material contained herein. Nothing in this presentation is intended by the Bank to be construed as legal, accounting or tax advice. This presentation has been prepared by the Bank based upon information available in the public domain. 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This presentation is not an offer to sell or a solicitation of any offer to buy the securities of the Bank in the United States or in any other jurisdiction where such offer or sale would be unlawful. Securities may not be offered, sold, resold, pledged, delivered, distributed or transferred, directly or indirectly, in to or within the United States absent registration under the Securities Act of 1933, as amended (the “Securities Act”) and in compliance with any applicable securities laws of any state or other jurisdiction of the United States. The Bank’s securities have not been and will not be registered under the Securities Act.

• Overview

• Transformation & Turnaround Plan

• Performance Highlights

• Asset Quality Analysis

• Financial Statements

• Digital Penetration

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Bank’s Reach ( As on 30th September 2018)

2,387 Branches

2,635 ATMs

Across 26 States & 5 U.Ts.

23.1 Million Customers

22,199 Workforce

Govt.of India,

77.23%

FPIs/ NRIs, 4.17%

Banks/FIs/

Insurance. cos., 8.52%

Mutual Funds/ UTI

& Trusts, 3.31%

Others, 6.77%

• Established in 1943 as the Oriental Bank of Commerce Limited at Lahore.

• First bank to go public with IPO in 1994 followed by FPO in 2005

• Operational for more than 75 years, offering a broad variety of wholesale

and retail banking products and services

• Business is principally divided into:

(a) Retail Banking

(b) Agricultural & MSME Banking

(c) Corporate / Wholesale Banking

(d)Treasury Operations

(e) Other Banking Services

Shareholding Pattern

“ First time entered the World’s most valuable 500 banking brands 2018 list

concluded by Brand Finance”

“Bank is among the leading public sector banks in implementing EASE

reforms agenda framework of “Responsive and Responsible PSBs”

Overview Achievements

“ Best Performing Bank – Public Sector Bank for the APY during

FY2017-18”

5

Gross NPA INR 256,733 Mn INR 261,413 Mn

Net NPA INR 137,952 Mn INR 142,620 Mn

NIM 2.58% 2.82%

Cost to Income 50.19% 59.72%

Retail Advances INR 280,117 Mn INR 263,444 Mn

Fresh Slippages INR 14,512 Mn INR 28,312 Mn

CASA 30.97% 31.40%

Credit Risk Weight Factor

76% 79%

Credit Cost (Ann.) 2.69 % 3.29 %

Capital Adequacy 10.35% 10.25%

1) Asset quality showing signs of

improvement.

2) Improved Recovery and Enhanced PCR.

1) Share of CASA increased from sub 25% in

FY’15 to 31% in H1FY’19.

2) Bank is consistently maintaining targeted

NIM above 2.50% in FY19.

Bank has adopted a new vertical structure

leading to operational efficiency .

1) Advance portfolio predominantly driven by

Retail.

2) Credit Cost Contained.

PCR 65.31% 64.59%

Q2FY19 Q1FY19

Recovery and Upgradation

INR 11,555 Mn INR 10,229 Mn

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MANAGING DIRECTOR & CHIEF EXECUTIVE OFFICER

EXECUTIVE DIRECTOR CVO

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Joined as Managing Director and Chief Executive Officer of Oriental Bank of

Commerce on July 15, 2017.

A Post Graduate in Economics from Delhi School of Economics and a qualified

Chartered Accountant

Prior experience includes association with Punjab & Sind Bank as an Executive

Director and also association with Dena Bank as Chief General Manager heading the

positions of Chief Financial Officer, Chief Strategist for Business Development.

Over 32 years of wide and varied exposure both at Operational and Administrative

levels covering the entire gamut of Banking including areas such as finance, Audit,

Business Process Reengineering (BPR), Investor Relations etc.

Joined as the Executive Director of Oriental Bank of Commerce on November 1, 2018

An MBA from FMS Delhi, University of Delhi and also holds a Post-Graduate degree

in Statistics from Lucknow University.

Over 34 years of experience in the banking sector.

Prior experience includes association with Punjab National Bank and Vijaya Bank.

Also served as CVO of IFCI Limited, Oriental Insurance Company Limited and the

erstwhile State Bank of Mysore. Vijay Dube

Executive Director

Mukesh Kumar Jain Managing Director and Chief Executive Officer

405

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145

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52

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Legends >100 Branches

>50 Branches 1- 50 Branches 0 Branches State UT

Metro 593

Urban 607

S-Urban

626

Rural 561

Metro 730

Urban 694

S-Urban

649

Rural 562

No. of Branches- 2,387

No. of ATMs- 2,635

46

8

As on Sep’18

9

1 2

6 3

5 4

Capital optimized credit growth.

Credit RWA have contained by 18% from

FY’15 to H1FY’19.

Share of A & better rated portfolio (>`100

million) increased from 32% in FY’15 to 45%

in H1FY’19.

3) Capital Optimization

4) Focus on improving fee income

Dedicated Fee Based Vertical created.

1) Vertical Organization Structure

Bank has transformed into a new vertical

structure.

Specialized verticals have been created for

Retail, MSME, Recovery, CASA and Forex

Business which have enabled quicker decision

making and improved compliance

~90 % of the Bank’s total business falls under

this structure

Created a dedicated Stressed Asset

Management Vertical for cases above `100

million.

6 Field GMs, 67 dedicated clusters and 4000

strong recovery workforce deployed for

resolution and recovery

Recovery and Resolution of `35,038 million in

H1FY19 (against `31,613 million during

FY’18)

5) Focus on Recovery and Resolution 2) Shift from Corporate to Retail Focus

Leveraging 23.1 million strong retail client

base across 2,387 branches to augment growth

in Retail Advances and generating cross

selling opportunities

New products, improved lending processes

and distribution channels for retail segment

Modernization and Upgradation of ~500

branches is under implementation to enhance

customer experience

Digitisation of Retail Lending Processes

Share of RAM credit has increased from

45.24% in FY15 to 51.42% to H1FY’19

6) Technology Led Service Delivery

Share of Digital Transactions has increased

from 50.6% in FY15 to 68.9% as on H1FY’19.

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Profit Maximisation

Asset Growth

Retail/ MSME

RAROC Pricing

Recovery & Resolution

Improvement in NIM

Rationalisation of Cost

Credit Cost

Branch Rationalisation/ Space Audit

Reduction in Operational Cost &

Leveraging Technology

Increase CASA

Non- Interest Income

Fee Based Income

Treasury & Forex Linked Products

Trade Finance

New Third Party Products (TPP)

Asset Utilisation

Monetisation of Strategic Investment

Sale of Real Estate

Capital Optimisation (Reduction of Credit

RWA)

Increase in Non Corporate Credit

11

12

5,7

10

12

8,5

31

14

3,6

85

13

3,0

97

10

9,9

55

11

0,6

60

10

0,8

17

8.50% 8.09%

8.52% 7.59% 7.46%

6.50% 7.18%

FY14 FY15 FY16 FY17 FY18 H1FY18 H1FY19

CET - 1 CET-1 %

31,7

72

42,5

19

44,8

38

48,3

41

42,6

12

47,0

84

42,4

09

2.15%

2.68% 2.66% 2.76% 2.89% 2.76% 3.02%


Tier - 2 Tier - 2 %

13

1,0

39

13

8,6

85

15

3,4

14

15

5,7

55

11

2,1

63

13

3,4

64

10

2,9

84

8.86% 8.73% 9.10% 8.88%

7.61% 7.84% 7.33%


Tier 1 Tier 1 %

1,4

79

,35

5

1,5

89

,45

0

1,6

85

,98

9

1,7

53

,56

8

1,4

74

,73

1

1,7

03

,43

2

1,4

05

,25

5

11.01% 11.41%

11.76% 11.64%

10.50% 10.60%

10.35%


Risk Weighted Assets Capital Adequacy Ratio

Tier 1 - Capital Tier 2 - Capital

CET 1 - Capital RWA and Capital Adequacy Ratio

(` in Million)

12

1,934,890

2,040,097

2,089,148

2,193,394

2,073,461

2,144,874

2,064,408

Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 H1FY18 H1FY19

Total Deposits

1,407,651

1,480,390

1,536,394

1,664,379

1,482,060

1,621,312

1,489,113


Total Advances

(` in Million)

18.19% 15.93%

20.26%

10.77% 10.13% 10.79% 8.62%


Shredding of Bulk Deposits

13

118,819 128,395 128,211

179,666

138,099 133,836 126,919


Current Deposits

351,606 365,256 398,692

489,234 518,873

482,597 512,501


Savings Bank

1,464,465

1,546,446 1,562,246

1,524,494

1,416,489

1,528,441

1,424,988


Term Deposits

* Bulk Deposits ( > INR 5 crs) as % of total deposits

(` in Million)

14

161,281 181,228 186,175 199,959

234,020 246,350 280,117


Retail

305,603

330,923

306,986

288,590 280,308

298,341

288,191


MSME

176,986 180,927

215,801 223,270 213,489 211,456 197,351


Agriculture (Excluding RIDF)

763,781 787,312 827,432

952,560

754,243 865,165

723,454


Corporate/Others

(` in Million)

15

127,020 124,376 140,968

123,918

175,869

15,605 14,510 16,468

15,235

16,707

43,550 61,074

76,584

61,110

87,542

FY16 FY17 FY18 H1FY18 H1FY19

Home Loans Vehicle Loans Other Retail loans

186,175 199,959 234,020 200,263 280,117

(` in Million)

Excl. IBPC

128,211 179,666 138,099 133,836 126,919

398,692 489,234 518,873 482,597 512,501


Current Deposits Savings Deposits

16

7.19%

6.33%

5.67% 5.73% 5.54%


25.22% 30.50% 31.68% 30.97% 28.74%

(` in Million)

CASA (%)

Cost of Deposit (%)

17

9.57%

11.45% 12.36%

13.80% 13.73% 14.83%

16.30% 16.95% 17.63% 17.89% 17.24%

6.70% 8.11%

8.93% 9.68%

8.96% 9.56% 9.44% 9.52% 10.48% 10.63% 10.07%

Mar-16 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 Sep-18

GNPA (%) NNPA (%)

40

,19

2

34

,63

8

21

,42

3

27

,03

3

39

,12

9

29

,19

3

30

,82

4

33

,04

5

31

,23

1

28

,31

2

14

,51

2

51.16% 49.33% 48.47% 49.44% 53.61% 54.68%

59.75% 62.09% 64.07% 64.59% 65.31%

Mar/16 Jun/16 Sep/16 Dec/16 Mar/17 Jun/17 Sep/17 Dec/17 Mar/18 Jun/18 Sep/18

Slippages PCR

` in Million

Sr. No. Parameters Sep-18 Jun-18 Sep-17

Variation

Q2<>Q1 Y-o-Y

1 Gross NPA 256,733 261,413 264,319 (1.79%) (2.87%)

2 Gross NPA as a % of

Gross Advances 17.24% 17.89% 16.30% (65 bps) 94 bps

3 Net NPA 137,952 142,620 141,283 (3.27%) (2.36%)

4 Net NPA as a % of Net

Advances 10.07% 10.63% 9.44% (56 bps) 63 bps

5 Provision Coverage

Ratio 65.31% 64.59% 59.75% 72 bps 556 bps

18

(` in Million)

19

Sr. No.

Particular Sep 18

Q2 Jun 18

Q1 Sep-17

Q2

1 Opening Gross NPAs 261,413 261,336 244,095

2 Recovery in Ledger Balance 10,164 13,120 5,369

3 Up gradation 1,125 3,136 762

4 Write Off 7,903 11,980 4,469

5 Total Reduction (2+3+4) 19,192 28,236 10,600

6 Fresh Addition 14,512 28,312 30,824

7 Closing Gross NPAs 256,733 261,412 264,319

8 Provision 118,781 118,792 123,036

9 Closing Net NPAs 137,952 142,620 141,283

10-a Cash Recovery in Bad Debt Written-off 3,202 804 561

10-b Cash Recovery in Recorded Interest 419 3,069 184

10-c Total Cash Recovery in Revenue i.e.(10a+10b) 3,621 3,873 745

11 Total Recovery including upgradation (2+3+10c) 14,910 20,129 6,876

(` in Million)

Sn Particular Sep 18

H1 Mar 18

H2 Sep-17

H1

1 Opening Gross NPAs 261,336 264,319 228,592

2 Recovery in Ledger Balance 23,284 13,368 8,980

3 Up gradation 4,261 2,355 3,278

4 Write Off 19,884 51,537 12,032

5 Total Reduction (2+3+4) 47,429 67,260 24,290

6 Fresh Addition 42,825 64,277 60,017

7 Closing Gross NPAs 256,732 261,336 264,319

8 Provision 118,781 118,508 123,036

9 Closing Net NPAs 137,951 142,828 141,283

10-a Cash Recovery in Bad Debt Written-off 4,006 1,638 999

10-b Cash Recovery in Recorded Interest 3,488 469 528

10-c Total Cash Recovery in Revenue i.e.(10a+10b) 7,494 2,107 1,527

11 Total Recovery including upgradation (2+3+10c) 35,039 17,830 13,785

20

(` in Million)

21

6,876

9,541 8,288

20,129

14,910

Sep-17 Dec-17 Mar-18 Jun-18 Sep-18

21

INCLUDING CIRP

6,876

9,541

8,288

10,229

11,555

Sep-17 Dec-17 Mar-18 Jun-18 Sep-18

EXCLUDING CIRP

(` in Million)

22

(` in Million)

26

4,3

19

27

5,5

09

26

1,3

36

26

1,4

12

25

6,7

32

4,365 4,365 30,871 34,044 37,563

76,623 74,327

92,036 80,635 86,760

Sep/17 Dec/17 Mar/18 Jun/18 Sep/18

Gross NPA Under NCLT (TWO) Under NCLT (Non TWO)

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Parameters RBI 1st

List RBI 2nd

List Total

Cases filed by

other Banks/ Others

Cases filed by

our Bank

Grand Total

Number of accounts referred under IBC

9 16 25 60 39 124

No of Cases where Resolution Plan has been approved

3 1 4 1 - 5

Number of accounts referred under IBC as on 30th Sep 2018

6 15 21 59 39 119

Outstanding as on 30th Sep 2018

33,637 25,379 59,016 34,315 30,992 124,323

Provision made till 30th Sep 2018

24,975 17,807 42,782 26,100 24,389 93,271

Provision Coverage as on 30thSep, 2018 in these account

74.25% 70.17% 72.49% 76.06% 78.70% 75.02%

(` in Million)

24

Sector/ Industries

As on 30.09.2018 As on 30.06.2018 As on 30.09.2017

O/s NPA % of

NPA to O/s

% of NPA to Gross NPA

O/s NPA % of

NPA to O/s


O/s NPA % of NPA

to O/s


Retail 280,117 4,820 1.72% 1.88% 263,444 5450 2.07% 2.08% 246,350 5483 2.23% 2.07%

Agriculture (Excl. RIDF)

197,351 30,900 15.66% 12.04% 203,222 32,780 16.13% 12.54% 211,456 21,795 10.31% 8.25%

MSME (Excl. SIDBI Investments)

288,191 34,904 12.11% 13.60% 273,610 33,400 12.21% 12.78% 298,341 38,470 12.89% 14.55%

Total RAM 765,659 70,624 9.22% 27.51% 740,276 71,630 9.68% 27.40% 756,147 65,748 8.70% 24.87%

Others 723,454 186,060 25.72% 72.47% 721,311 189,730 26.30% 72.58% 865,165 198,540 22.95% 75.11%

Total Advances 1,489,113 256,730 17.24% 100.00% 1,461,587 261,410 17.89% 100.00% 1,621,312 264,318 16.30% 100.00%

(` in Million)

25

Sector/ Industries

As on 30.09.2018 As on 30.06.2018 As on 30.09.2017

O/s NPA

% of NPA

to O/s

% of NPA to

Gross NPA

Provision coverage for NPA

O/s NPA % of

NPA to O/s

% of NPA to

Gross NPA

O/s NPA % of

NPA to O/s

% of NPA to

Gross NPA

Infra Structure

150,438 46,733 31.06% 18.20% 45.97% 143,270 47,490 33.15% 18.17% 159,410 31,450 19.73% 12.88%

Out of which Infra-power

67,294 29,246 43.46% 11.39% 36.90% 63,200 26,040 41.20% 9.96% 69,390 13,980 20.15% 5.73%

Textile 67,414 13,554 20.11% 5.28% 79.27% 70,467 14,746 20.93% 5.64% 75,101 20,583 27.41% 8.43%

Iron and Steel

83,443 56,493 67.70% 22.00% 69.17% 85,177 58,972 69.24% 22.56% 106,714 76,060 71.27% 31.16%

NBFC 154,145 189 0.12% 0.07% 100.00% 141,770 160 0.11% 0.06% 137,090 164 0.12% 0.07%

(` in Million)

26

Balance Sheet FY16 FY17 FY18 H1FY18 H1FY19

Cash & Balances with RBI 94,329 108,131 122,548 102,406 101,404

Balances with banks and money at call and short notice

21,795 66,131 14,266 8,614 11,494

Investments 662,343 592,293 699,023 656,164 749,142

Advances 1,488,800 1,577,060 1,363,679 1,498,440 1,370,487

Fixed Assets 22,719 23,585 25,496 24,545 25,002

Other Assets 107,694 163,448 108,428 125,830 121,902

Total Assets 2,397,680 2,530,648 2,333,440 2,415,999 2,379,431

Paid up Capital 3,214 3,462 6,328 3,462 6,328

Reserves and Surplus 149,197 137,752 111,540 115,307 108,571

Deposits 2,089,148 2,193,394 2,073,461 2,144,874 2,064,407

Borrowings 101,239 145,922 96,940 101,120 145,080

Other liabilities and Provisions 54,882 50,118 45,171 51,236 55,045

Total Liabilities 2,397,680 2,530,648 2,333,440 2,415,999 2,379,431

(` in Million)

27

Profit & Loss Statement FY16 FY17 FY18 H1(FY18) H1(FY19)

Interest Earned 201,685 184,223 173,989 88,902 85,588

Interest Expended 147,939 135,128 128,881 64,921 59,464

Net Interest Income 53,746 49,095 45,108 23,981 26,124

Other Income 17,663 27,655 27,823 18,460 11,381

Operating Income 71,409 76,750 72,931 42,441 37,505

Operating Expense 34,588 35,049 35,899 16,844 20,538

Operating Profit 36,821 41,701 37,032 25,597 16,967

Provisions & Contingencies 35,260 52,642 95,749 47,958 19,882

Net Profit 1,561 (10,941) (58,717) (22,361) (2,915)

Key Ratios:

Cost of Deposit 7.19% 6.33% 5.67% 5.73% 5.54%

Yield on Total Advances 10.34% 8.89% 7.73% 7.97% 8.14%

Yield on Earning Advances 11.52% 10.30% 9.28% 9.45% 9.95%

Net Interest Margin (NIM) 2.66% 2.42% 2.19% 2.31% 2.69%

Book value per share (in Rs.) 416.73 365.70 162.86 301.49 149.41

Earning per Share (in Rs.) (not annualised)-Basic & Diluted

5.20 (31.82) (168.09) (64.60) (4.61)

Market Price (in Rs.) 91.65 140.85 91.60 119.15 61.50

Price Earning Ratio -Annualised 17.63 (4.42) (0.54) (0.92) (6.69)

Price to Book Value Ratio 21.99% 38.52% 56.24% 39.52% 41.15%

Return on Assets 0.07% (0.46%) (2.31%) (1.76%) (0.24%)

(` in Million)

28 28

41.24% 41.34%

48.44% 45.67%

49.22% 39.69%

54.76%


Cost to Income

2.78% 2.61% 2.66% 2.42%

2.19% 2.31% 2.69%


NIM

NIMs

Cost to Income

29

50.60

54.41 54.51

63.05

68.91

49.40

45.59 45.49

36.95

31.09

0

10

20

30

40

50

60

70

80

Mar-15 Mar-16 Mar-17 Mar-18 Sep-18

Digital % Branch %

“ Effort to Increase Digital Transactions Paying Off “

30

1,452

2,128

2,488 2,566 2,621 2,632 2,635

0

500

1,000

1,500

2,000

2,500

3,000

Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Sep-18

ATM No.

3.91 4.97

7.48

8.92 9.94

11.23 11.45

0.00

2.00

4.00

6.00

8.00

10.00

12.00

14.00

Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Sep-18

ATM Card Base (Million)

0.04 0.06 0.08 0.12 0.29

1.25

1.59

0.00

0.20

0.40

0.60

0.80

1.00

1.20

1.40

1.60

1.80

Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Sep/18

Mobile Banking Customers (Million)

0.56 0.67 0.82

1.37

2.01

2.75 3.04

0.00

0.50

1.00

1.50

2.00

2.50

3.00

3.50

Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Sep/18

Internet Banking Customers (Million)

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