FINANCIAL RESULTS FOR  THE YEAR ENDED

% 31ST MARCH 2010

CENTRAL BANK OF INDIA
Presentation to Analysts
1
MAY 05, 2010
 Performance Highlights 2009‐10 (Rs in crores)

Parameters Mar 2010 Mar 2009 Growth (09‐10) over (08‐09)

Total Business 269225  218012 23.5%

Total Deposits 162107  131272 23.5%
Total Loans and Advances 107118  86740 23.5%
Gross Income 13799 11525 19.7%
Net Interest Income 2545 2228 14.2%
Operating Profit 2058 1437 43.2%
Net Profit 1058 571 85.25%
Provision Coverage Ratio 70.39% 54.32% ‐

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 Performance Highlights
Q4 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%

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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

North India 370 10.34

Central India 1097 30.67
East & North East 879 24.57
485
(13.26%) South 485 13.26
West 746 21.16
Total 3577 100
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Branch Segmentation As On 31.03.10

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%)
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 Business Growth
Rs. in crore
FY09 FY10
162107
107118
23.50%
23.50%

131272 86740

Deposits Advances
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 Business Growth
Rs in crore

Q4FY10 Q4FY09 YoY  Q3FY10 Growth

Growth (%) Over 
Dec’09

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

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

Advances

Business Mix 2,69,225 2,18,012 23.5 2,46,722 9.12

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

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 Deposits
Rs in crore
106273

87480

55834
43792
FY09 FY10

CASA Term
Deposits Deposits
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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

Deposits Q4FY10 Q4FY09 YOY  Q3FY10 QOQ 

Growth % Growth %

Current 15071 10112 49.0 9424 59.92

Savings 40763 33680 21.0 37170 9.66

Total CASA 55834 43792 27.5 46594 19.83

Term 106273 87480 21.5 109054 (2.55)

Total  162107 131272 23.5 155648 4.14

Deposits
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Segment Wise Loans And Advances
( Rs. Crore)

Type of Advance 2009‐10 2008‐09 Y o Y 

Q4/ FY Q4/FY Growth 
(As on  (As on  (%)
31‐03‐2010) 31‐03‐2009)
Total Loans &  107118 86740 23.5
Advances
Corporate Credit 67835 55244 22.8
Agriculture 18309 14139 29.5
‐ Direct Agriculture 11607 8955 29.6
‐ Indirect Agriculture 6702 5184 29.3
MSME 9784 8287 18.1
Retail Credit 11190 9070 23.4

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 Retail Advances Portfolio Rs in crore

Category Q4FY10 Q4FY09 % Growth

‐Housing 5318 4422 20.26
‐Education 1189 857 38.73
‐Others 4683 3791 23.52

5318 FY09 FY10

4422 4683
3791

1189
857

Housing Education  Others

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 Profitability Rs in crore

Q4FY10 Q4FY09 QoQ FY 09‐10 FY 08‐09 YoY 

Growth  Growth
(%) (%)
Gross Income 3724 3150 18.20 13799 11525 19.70
Gross 3130 2696 16.10 11741 10088 16.38
Expenses
Operating  594 455 30.50 2058 1437 43.20
Profit
Net Profit 171 63 173.65 1058 571 85.25
NIM (%) 1.81 1.43 ‐ 1.86 1.97 ‐
Net Interest 664 433 53.30 2545 2228 14.20
Income
Non Interest  569 503 13.10 1735 1070 62.10
Income 
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 Profitability Indicators
Parameters (%) Q4FY10 Q4FY09 FY 09‐10 FY 08‐09

Yield on Advances 9.59 10.00 9.82 10.19

Yield on Investments 6.75 6.35 6.74 6.89
Cost of Deposits 6.08 7.05 6.29 6.90
Cost to Income Ratio 51.81 51.46 51.91 56.44
Non‐Interest Income/ 15.28 15.97 12.57 9.28
Total Income

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 Other Income Rs in crore

Q4FY10 Q4FY09 YoY FY  FY  Growth

Growth 09‐10 08‐09 (%)
(%)
Commission, 206.53 140.51 46.98 573.54 441.95 29.77
Exchange and
Brokerage
Trading Profit  166.94 293.04 (43.03) 772.38 409.76 88.49
On Investments

Recovery In  126.78 39.61 220.10 242.82 84.07 188.83

Written Off
Accounts
Other Income 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

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 Investments: Classification Rs in crore

Q4FY10 % of  Q4FY09 % of Total 

Total Portfolio Portfolio
SLR 46243 88.91 39440 88.73
Non‐SLR 5765 11.09 5006 11.27
Total 52008 100 44446 100

Held For Trading 535 1.02 12 0.02

Available For Sale 13925 26.79 14953 33.66
Held To Maturity 37548 72.19 29481 66.32
Shifting of Securities
AFS to HTM 2197.32 3036.82
HTM to AFS 66.08 ‐

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 Key Performance Indicators

FY 2009‐10 FY 2008‐09

Return on Avg Assets (%) 0.66 0.45

Earnings per Share (Rs.) 24.65 12.17

Return on Equity (%) 24.27 16.40

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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
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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 %

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 Provisions Rs in crore

Q4FY10 Q4FY09 FY 09‐10 FY 08‐09

Taxation 131.48 44.75 491.31 353.73

NPA (excluding adhoc 174.21 267.83 288.40 322.34
provision for Standard 
Assets)
Standard Assets 29.92 (4.75) 29.92 44.84
Depreciation/Provision on  6.73 33.03 64.79 90.53
Investments
Others (Frauds, 80.63 51.17 125.86 54.06
Restructured Adv. etc.)
Total 422.97 392.03 1000.28 865.50
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Asset Quality: Improved Performance
NPA % to Advances

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

Q4FY09 Q4FY10 Tier I 6.04 6.24

13.12
12.24 Tier II 4.78 5.51
Basel II

6.97 6.83
CRAR 12.24 13.12
6.15 5.41
Tier I 6.83 6.97

Tier II 5.41 6.15

CRAR Tier I Tier II

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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

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 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

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 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
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Tie-ups

„ Tie-up with a retail chain group for

increasing 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

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New Initiatives: 2010-11
Implementation of ASBA
On-Line Trading
Group Life Insurance for Savings Bank Account
Holders
Gold Deposit Scheme
Bullion Trading

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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”
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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.
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Awards & Accolades for Bank in 2009‐10

SKOCH Challenger Award

For Best Business Model

2010 IMM Award for

Excellence as Eminent
Organization

National Award for Best

Bank in Financing to KVIC

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Awards & Accolades for Bank 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

Among Top 5 Most Trusted Banks by a

survey conducted by AC Nielsen and
Economic Times

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