Analyst Presentation (Mar 10)

8/8/2019 Analyst Presentation (Mar 10)

1/32

11

%

CENTRALBANKOFINDIA

FINANCIALRESULTSFOR THEYEARENDED31ST MARCH2010

Presentation to Analysts

MAY 05, 2010


2/32

2

PerformanceHighlights200910(Rs incrores)

85.25%5711058NetProfit

54.32%70.39%ProvisionCoverageRatio

Parameters Mar2010 Mar

2009 Growth

(09

10)

over

(08

09)

TotalBusiness 269225 218012 23.5%

TotalDeposits 162107 131272 23.5%

TotalLoansandAdvances 107118 86740 23.5%

GrossIncome 13799 11525 19.7%

NetInterestIncome 2545 2228 14.2%

OperatingProfit 2058 1437 43.2%


3/32

33

Performance HighlightsQ4 FY10 FY 2009-10

Net Interest Income 53.3% 14.2%

Non Interest Income 13.1% 62.1%

Operating Profit 30.5% 43.2%

Net Profit 173.65% 85.3%


4/32

44

Bank

With

Pan

India

Presence

125

(3.49%)

485

(13.26%)

1097(30.67%)

754

(21.08%)

746

(21.16%)

370

(10.34%)

Geographical Area NumberofBranches

% of TotalBranches

North India 370 10.34

Central India 1097 30.67

East & North East 879 24.57

South 485 13.26

West 746 21.16

Total3577 100


5/32

5

BranchSegmentationAsOn31.03.10

608

(17%)

683

(19%)898

(25%)

1388

(39%)

Rural

SemiUrbanUrban

Metropolitan

TotalBranches 3577

Rural 1388

SemiUrban 898

Urban 683

Metropolitan 608

ATMs 401

CBSBranches

(1760ason

Date 49.2%)

1602

(44.8%)


6/32

66

Business GrowthRs.incrore

13127286740

162107107118

Deposits Advances

FY09 FY10

23.50%

23.50%


7/32

77

Business Growth

Q4FY10 Q4FY09 YoY

Growth(%)

Q3FY10 Growth

Over

Dec09

Deposits 1,62,107 1,31,272 23.5 1,55,648 4.14

Loans&

Advances

1,07,118 86,740 23.5 91,074 17.61

BusinessMix 2,69,225 2,18,012 23.5 2,46,722 9.12

Investments 52,008 44,446 17 54,338 (4.28)

Rs in crore


8/32

88

Deposits

43792

55834

87480

106273

CASA

Deposits

Term

Deposits

FY09 FY10

Rs in crore


9/32

99

Distribution of Deposits

12%

55%

14%

19%

Rural SemiUrban Urban Metropolitan

90455Metropolitan

29990Urban

22533Semi-Urban

19129Rural


10/32

1010

Segment-wise DepositsDeposits Q4FY10 Q4FY09 YOY

Growth%

Q3FY10 QOQ

Growth%

Current 15071 10112 49.0 9424 59.92

Savings 40763 33680 21.0 37170 9.66

TotalCASA 55834 43792 27.5 46594 19.83

Term 106273 87480 21.5 109054 (2.55)

Total

Deposits

162107 131272 23.5 155648 4.14

Rs in crore


11/32

11

SegmentWiseLoansAndAdvances( Rs. Crore)

TypeofAdvance 200910

Q4/FY

(Ason

31032010)

200809

Q4/FY

(Ason

31032009)

YoY

Growth

(%)

TotalLoans&

Advances

107118 86740 23.5

CorporateCredit 67835 55244 22.8

Agriculture 18309 14139 29.5

DirectAgriculture 11607 8955 29.6

Indirect

Agriculture 6702 5184 29.3

MSME 9784 8287 18.1

RetailCredit 11190 9070 23.4


12/32

1212

Retail Advances Portfolio

4422

857

3791

5318

1189

4683

Housing Education Others

FY09 FY10

Rs in crore

%GrowthQ4FY09Q4FY10Category

23.5237914683Others

38.738571189Education

20.2644225318Housing


13/32

1313

ProfitabilityQ4FY10 Q4FY09 QoQ

Growth

(%)

FY0910 FY0809 YoY

Growth

(%)

GrossIncome 3724 3150 18.20 13799 11525 19.70

Gross

Expenses

3130 2696 16.10 11741 10088 16.38

Operating

Profit594 455 30.50 2058 1437 43.20

NetProfit 171 63 173.65 1058 571 85.25

NIM(%) 1.81 1.43 1.86 1.97

NetInterest

Income

664 433 53.30 2545 2228 14.20

NonInterest

Income

569 503 13.10 1735 1070 62.10

Rs in crore


14/32

1414

Profitability Indicators

Parameters (%)Q4FY10 Q4FY09 FY0910 FY0809

YieldonAdvances 9.59 10.00 9.82 10.19

Yieldon

Investments 6.75 6.35 6.74 6.89

CostofDeposits 6.08 7.05 6.29 6.90

CosttoIncomeRatio 51.81 51.46 51.91 56.44

NonInterest

Income/

TotalIncome

15.28 15.97 12.57 9.28


15/32

1515

Other IncomeQ4FY10 Q4FY09 YoY

Growth

(%)

FY

0910

FY

0809

Growth

(%)

Commission,Exchangeand

Brokerage

206.53 140.51 46.98 573.54 441.95 29.77

TradingProfit

OnInvestments

166.94 293.04 (43.03) 772.38 409.76 88.49

RecoveryIn

WrittenOff

Accounts

126.78 39.61 220.10 242.82 84.07 188.83

OtherIncome 68.69 29.89 129.81 146.50 134.19 9.17

Total 568.94 503.05 13.10 1735.24 1069.97 62.18

Rs in crore


16/32

1616

Investments: ClassificationQ4FY10 %of

TotalPortfolio

Q4FY09 %ofTotal

Portfolio

SLR 46243 88.91 39440 88.73NonSLR 5765 11.09 5006 11.27

Total 52008 100 44446 100

HeldForTrading 535 1.02 12 0.02

AvailableForSale 13925 26.79 14953 33.66

HeldToMaturity 37548 72.19 29481 66.32

Shiftingof

Securities

AFStoHTM 2197.32 3036.82

HTMtoAFS 66.08

Rs in crore


17/32

1717

FY200910 FY200809

ReturnonAvg Assets(%) 0.66 0.45

EarningsperShare(Rs.) 24.65 12.17

Returnon

Equity

(%) 24.27 16.40

Key Performance Indicators


18/32

1818

Stressed Asset MovementFY200910 FY200809

GrossNPAs:Opening on1st April 2443 2470

Add:Slippages 1033 873

Less:Deductions

1.WriteOff 294 359

2.Upgradation 177 233

3.Recoveries 407 308

GrossNPAs 2458 2316

GrossCredit 107118 86740

GrossNPA

as

%

of

GBC 2.29 2.67

NetAdvances 105383 85935

NetNPA 727 1063

Net

NPA

as

%

of

Net

Advances 0.69 1.24

Rs in crore


19/32

1919

Stressed Asset Details

Q4FY10 Q4FY09

GrossAdvances 107118 86740

Standard 104660 84423

SubStandard 783 590

Doubtful 1459 1657

Loss 216 69

Provisions 1731 1253

Provision

Coverage%70.32 54.32

Rs in crore


20/32

2020

ProvisionsQ4FY10 Q4FY09 FY0910 FY0809

Taxation 131.48 44.75 491.31 353.73

NPA(excludingadhoc

provisionforStandard

Assets)

174.21 267.83 288.40 322.34

StandardAssets 29.92 (4.75) 29.92 44.84

Depreciation/Provisionon

Investments

6.73 33.03 64.79 90.53

Others(Frauds,

RestructuredAdv.etc.)

80.63 51.17 125.86 54.06

Total 422.97 392.03 1000.28 865.50

Rs in crore


21/32

21

Asset

Quality:

Improved

Performance

3.162.67

2.291.45

1.24 0.69

00.5

11.52

2.53

3.5

2008 2009 2010

NPA % to Advances

Gross NPA

Net NPA

TotalRecoveryincreasedfromRs.308Croresin200809toRs.407Croresin

200910.

StepstakentoimproveRecoveryduringtheyear

i) Openingof8AssetRecoveryBranches

ii)RecoveryfromWrittenOffAccountsisRs.243Crores.

iii)FocusonRecoveryCampsincludingLokAdalatsforsmallvalueNPAs

8634RecoverycampsheldandRs.103Croresrecovered

iv)153

OTS

proposals

were

sanctioned

amounting

to

Rs.397

Crores.


22/32

2222

Capital Adequacy (%)

13.1212.24

6.97 6.836.15 5.41

CRAR Tier I Tier II

Q4FY09 Q4FY10

Period FY0910 FY0809

BaselI

CRAR 10.82 11.75

TierI 6.04 6.24

TierII 4.78 5.51

BaselII

CRAR 12.24 13.12

TierI 6.83 6.97

TierII 5.41 6.15


23/32

2323

Shareholding Pattern as on March 2010

GovernmentofIndia 80.20FIs 9.08FIIs 4.96InsuranceCos. 0.23OtherBodyCorp. 0.68Public 4.85

100.00

Shareholding Pattern

80.20

9.08

4.96

0.23

0.68

4.85

GovernmentofIndiaFIsFIIsInsuranceCos.OtherBodyCorp.Public


24/32

2424

New Initiatives

GroupLife

Insurance

for

Home

Loan

Borrowers

GroupLifeInsurance forEducationLoanBorrowers

InsurancecoverforDomesticTradeCreditReceivables

Introductionof

Centralised

Credit

Processing

Centre

(CCPC)

ToimplementCCPCatother13centersinFY201011

OnlineapplicationforvariousRetailproducts


25/32

2525

LaunchednewRetailproducts:

CentDoctor MedicalProfessionals

CentSwabhimanPlus ForSeniorCitizen

CentPersonalGoldLoanScheme forpersonalexigencies

Schemefor

financing

Executive

MBA

For

working

Executives

RecurringDepositwithPersonalAccidentCover

TREASURYANDINVESTMENT

OperationsinCurrencyFutures&InterestRateFutures

OperationsstartedinOIS.

LaunchedeTreasury

New Initiatives


26/32

26

Tie-ups

Tie-up with a retail chain group forincreasing the sale of Retail Products

Tie-up with a Senior Citizen Foundation for

Reverse Mortgage Loans to Senior Citizen

Tie-ups with 107 Educational Institutes for

providing Education Loan


27/32

27

New Initiatives: 2010-11

Implementation of ASBA

On-Line Trading

Group Life Insurance for Savings Bank Account

Holders

Gold Deposit Scheme

Bullion Trading


28/32

28

Launching of Centenary Year Celebrations

Founder:SirSorabji

Pochkhanawala(18811937)

In memory of our founder Sir Sorabji

Pochkhanawala, the Bank has instituted an

annual

Lecture

Series,

commencing

from

200910,its99th year,byeminentpersons.

ThefirstsuchlecturewasdeliveredbyH.E.KamaleshSharma,Commonwealth

SecretaryGeneral,onMarch31st,2010onTheEmergingGlobalOrderandThe

Commonwealth


29/32

29

Corporate Social Responsibility Initiative

Implementation of Youth Finance Facility in

collaboration

with

Commonwealth

Secretariat

in

4backward districts. Aim is to provide integrated

financial assistance for youth for setting up microenterprise.

Technical

Assistance

through

capacity

building

on

MicrofinanceinSt.LuciainWestIndies.

Organized inclusive and integrated programme on

Small

Business

Competitiveness

Development

Programme in Jaipur jointly with Commonwealthsecretariat.


30/32

3030

Awards&

Accolades

for

Bank

in

2009

10

SKOCH Challenger Award

For Best Business Model

2010 IMM Award forExcellence as EminentOrganization

National Award for BestBank in Financing to KVIC


31/32

3131

Awards&

Accolades

for

Bank

in

2009

10

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

In recognition of Banks Technologyadaption, Bank has been awarded with BestCustomer Technology Award in the PSU Bankcategory by IBA-TFDI in January, 2010

Among Top 5 Most Trusted Banks by asurvey conducted by AC Nielsen andEconomic Times


32/32

3232

Analyst Presentation (Mar 10)

Documents

Transcript of Analyst Presentation (Mar 10)