Professional Documents
Culture Documents
% 31ST MARCH 2010
CENTRAL BANK OF INDIA
Presentation to Analysts
1
MAY 05, 2010
Performance Highlights 2009‐10 (Rs in crores)
2
Performance Highlights
Q4 FY10 FY 2009-10
3
Bank With Pan India Presence
370
(10.34%)
125
746 1097 754 (3.49%)
(21.16%) (30.67%)
(21.08%)
Geographical Area Number % of Total
of Branches
Branches
Total Branches 3577
608 1388
(17%) (39%) Rural 1388
Rural
Semi Urban 898
Semi Urban
Urban 683
Urban
Metropolitan 608
683
Metropolitan
(19%) ATMs 401
898
(25%) CBS Branches 1602
(1760 as on (44.8%)
Date‐ 49.2%)
5
Business Growth
Rs. in crore
FY09 FY10
162107
107118
23.50%
23.50%
131272 86740
Deposits Advances
6
Business Growth
Rs in crore
7
Deposits
Rs in crore
106273
87480
55834
43792
FY09 FY10
CASA Term
Deposits Deposits
8
Distribution of Deposits
Rural Semi‐Urban Urban Metropolitan
12%
14%
55%
19%
Rural 19129
Semi-Urban 22533
Urban 29990
Metropolitan 90455 9
Segment-wise Deposits
Rs in crore
11
Retail Advances Portfolio Rs in crore
1189
857
12
Profitability Rs in crore
14
Other Income Rs in crore
16
Key Performance Indicators
FY 2009‐10 FY 2008‐09
17
Stressed Asset Movement Rs in crore
FY 2009‐10 FY 2008‐09
Gross NPAs:Opening on 1st April 2443 2470
Add: Slippages 1033 873
Less:Deductions
1.Write Off 294 359
2.Upgradation 177 233
3.Recoveries 407 308
Gross NPAs 2458 2316
Gross Credit 107118 86740
Gross NPA as % of GBC 2.29 2.67
Net Advances 105383 85935
Net NPA 727 1063
Net NPA as % of Net Advances 0.69 1.24
18
Stressed Asset Details Rs in crore
Q4FY10 Q4FY09
Gross Advances 107118 86740
Standard 104660 84423
Sub‐Standard 783 590
Doubtful 1459 1657
Loss 216 69
Provisions 1731 1253
Provision 70.32 54.32
Coverage %
19
Provisions Rs in crore
3.16
3.5 2.67 2.29
3 Gross NPA
2.5 1.45 1.24
2 0.69
1.5
1
0.5
0 Net NPA
2008 2009 2010
• Total Recovery increased from Rs. 308 Crores in 2008‐09 to Rs. 407Crores in
2009‐10.
• Steps taken to improve Recovery during the year‐
i) Opening of 8 Asset Recovery Branches
ii) Recovery from Written Off Accounts is Rs. 243 Crores.
iii) Focus on Recovery Camps including Lok Adalats for small value NPAs
‐ 8634 Recovery camps held and Rs. 103 Crores recovered
iv) 153 OTS proposals were sanctioned amounting to Rs.397 Crores. 21
Capital Adequacy (%)
Period FY09‐10 FY08‐09
Basel I
CRAR 10.82 11.75
6.97 6.83
CRAR 12.24 13.12
6.15 5.41
Tier I 6.83 6.97
22
Shareholding Pattern as on March ’2010
Shareholding Pattern
Government of
India
4.85 FI s Government of India 80.20
0.68 FI s 9.08
FII s
0.23 FII s 4.96
Insurance Cos. Insurance Cos. 0.23
4.96
80.20 Other Body Corp. 0.68
Other Body Corp.
9.08 Public 4.85
Public 100.00
23
New Initiatives
Group Life Insurance‐ for Home Loan Borrowers
Group Life Insurance‐ for Education Loan Borrowers
Insurance cover for Domestic Trade Credit Receivables
Introduction of Centralised Credit Processing Centre (CCPC)
To implement CCPC at other 13 centers in FY2010‐11
Online application for various Retail products
24
New Initiatives
Launched new Retail products:
¾ Cent Doctor‐ Medical Professionals
¾ Cent Swabhiman Plus‐ For Senior Citizen
¾ Cent Personal Gold Loan Scheme‐ for personal exigencies
¾ Scheme for financing Executive MBA‐ For working Executives
¾ Recurring Deposit with Personal Accident Cover
TREASURY AND INVESTMENT
Operations in Currency Futures & Interest Rate Futures
Operations started in OIS.
Launched e‐Treasury
25
Tie-ups
26
New Initiatives: 2010-11
Implementation of ASBA
On-Line Trading
Group Life Insurance for Savings Bank Account
Holders
Gold Deposit Scheme
Bullion Trading
27
Launching of Centenary Year Celebrations
In memory of our founder Sir Sorabji
Pochkhanawala, the Bank has instituted an
annual Lecture Series, commencing from
2009‐10, its 99th year, by eminent persons.
Founder: Sir Sorabji
Pochkhanawala(1881‐1937)
The first such lecture was delivered by H.E. Kamalesh Sharma, Commonwealth
Secretary General, on March 31st, 2010 on “The Emerging Global Order and The
Commonwealth”
28
Corporate Social Responsibility Initiative
Implementation of Youth Finance Facility in
collaboration with Commonwealth Secretariat in 4
backward districts. Aim is to provide integrated
financial assistance for youth for setting up micro
enterprise.
Technical Assistance through capacity building on
Micro‐finance in St.Lucia in West Indies.
Organized inclusive and integrated programme on
Small Business Competitiveness Development
Programme in Jaipur jointly with Commonwealth
secretariat.
29
Awards & Accolades for Bank in 2009‐10
30
Awards & Accolades for Bank in 2009‐10
31
32