Founder: Shri Haji Abdullah Haji Bahadur Saheb Bahadur

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Founder: Shri Haji Abdullah Haji Bahadur Saheb Bahadur Corporation Bank was founded in the Year 1906 in Udupi a small town in South India Nationalized in the year 1980 and went public in 1998 The

2 Founder: Shri Haji Abdullah Haji Bahadur Saheb Bahadur Corporation Bank was founded in the Year 1906 in Udupi a small town in South India Nationalized in the year 1980 and went public in 1998 The Bank holds a unique record of posting profits right from inception Uninterrupted dividend payment track record since inception Declared highest ever Dividend of 205% for FY A Mid sized Bank which is a leader in Technology Adoption and financial inclusion

Branch Network Branches 1375 1601 ATMs 1256 1281 Branchless Banking Units

Bank opened 101 Branches across the country. Category 30.09.

Total Branches 24% 24% 1601 100% BRANCH SEGMENTATION AS ON 30.09.

3 Branch Network Branches ATMs Branchless Banking Units Sept-2011 Sept Total During the half year, the Bank opened 101 Branches across the country. Category % share Rural % Semi Urban % Urban % Metro % Total Branches 24% 24% % BRANCH SEGMENTATION AS ON % 30% RURAL SEMI URBAN URBAN METRO The Bank has 2 representative offices at Dubai & HongKong

4 Sustained Business growth over last decade ` in Crore Deposits Advances Total Business Total Business almost doubled in THREE years span and 7 times in 10 years FY K FY K FY K FY K FY K FY K FY K FY K FY K FY K 4

Net Worth over last decade ` in Crore Net worth increased by 3.6 times over 10 years span 7137.81 8275.93 5774.

5 Net Worth over last decade ` in Crore Net worth increased by 3.6 times over 10 years span

6 6 Profit growth over last decade Operating Profit Net Profit ` in Crore

7 TOTAL BUSINESS Total business growth y-o-y `39,652 crore Total business growth y-o-y 19.61% 133, , , ,899 Sept-09 Sept-10 Sept-11 Sept-12 (` in crore) Sept-09 Sept-10 Sept-11 Sept-12 Total Business 133, , , ,899 Growth [y-o-y %] 28.54% 24.91% 21.32% 19.61%

8 Deposits Portfolio AMOUNT Share % ` in

113676 SB, 19276 CA, 10786 Sep-11 Sep-12

8 8 Deposits Portfolio AMOUNT Share % ` in Crore DEPOSITS BREAKUP Current Deposits 10, % Savings Deposits 19, % CASA 30, % Term Deposits 113, % Total Deposits 143, % TERMDEP, SB, CA, Sep-11 Sep SB CA TERMDEP CASA 21% of Deposits Savings Bank Deposits Sep-11 Sep % y-o-y

9 Advances Sept-2011 Sept-2012 Growth(%) Advances 81,634 98, % Average Advances 77,030 94, % Advances grew at 20.25% y-o-y to reach `98,161 crore Average advances grew at 22.71% y-o-y to reach `94,527 crore CD Ratio was at 68.29% and Average CD Ratio was at 71.64% Major component of loan book was Large Industries (47.7%) Agricultural advances grew by 38% on y-o-y basis SME advances grew by 23.4% y-o-y Retail advances grew by 52.6% y-o-y Yield on advances increased to 11.75% y-o-y from 11.46%

10 PROFITS (` in crore) Q2 FY2012 Q2 FY2013 Sept-11(6M) Sept-12(6M) Operating Profit Net Profit Operating Profit Net Profit FY 2012 Q2 FY 2013 Q2 Growth % Q2/Q2 FY M FY M Growth % Y-O-Y Operating Profit % Net Profit % 1, , % % 10

11 INCOME QUARTER [Q2] (` in crore) Half year [H1] PARTICULARS Sept M Sept M Growth (%) (Q2/Q2) Sept 2011 Sept 2012 Growth (%) (6M/6M) Total Income Interest Income a) Advances b) Investments c) Others 3, , % 3, , % 2, , % % % 6, , % 6, , % 4, , % 1, , % % Non-interest Income Of which : Core Area Non core area % % % % % -23.3%

12 BREAK UP OF NON-INTEREST INCOME Core Areas Q2 FY12 Q2 FY (` in crore) 6M FY M FY Increase Q2/Q2 20.4% Increase y-o-y 15.8% Fee Income Breakup - Sept 2012 (6M) LC Comm BG Comm Service Ch. Proc. Fee Comm Bills/DD Oth. Comm Others 12

13 BREAK UP OF NON-INTEREST INCOME Non-core areas ` in Crore QUARTER [Q2] Half year [H1] PARTICULARS Sept M Sept M Growth (%) (Q2/Q2) Sept 2011 Sept 2012 Growth (%) (6M/6M) Non-interest income from Noncore Areas: Of which: % % Profit on Exchange Transactions % % Profit on Sale of Investments % % Dividend on Shares % % Cash Management Services % % Recovery in Written Off accounts % % 13

14 EXPENSES ` in Crore QUARTER [Q2] Half year [H1] PARTICULARS Sept M Sept M Growth (%) (Q2/Q2) Sept 2011 Sept 2012 Growth (%) (6M/6M) Total Expenses Interest Expenses a) Interest on Deposits 2, , % 2, , % 2, % 5, , % 4, , % 4, , % b) Interest on Borrowings Operating Expenses a) Salaries b) Other Operating Expenses % % % % % % % % 14

NET INTEREST INCOME (` in crore) Q2 FY2011-12 743.60 Q2 FY2012-13 803.25 6M FY2011-12 1451.16 6M FY2012-13 1611.68 Increase Q2/Q2 8.

15 NET INTEREST INCOME (` in crore) Q2 FY Q2 FY M FY M FY Increase Q2/Q2 8.0% Increase H1/H1 11.1% NII for the last 5 years FY 08 FY 09 FY 10 FY 11 FY12 NII 1,443 1,574 1,903 2,940 3,147 % Growth 10.3% 9.1% 20.9% 54.4% 7.0% 15

16 Productivity Ratios (` in lakhs) Profit per employee(annualised) Sept-11 Sept-12 Mar-12 Business per employee Sept-11 Mar-12 Sept-12 Business per Branch Sept-11 Mar-12 Sept-12 16

17 SHARE HOLDERS RETURNS Book Value per Share (in `) Earning per share (in `) (annualised) Dividend % 200% 205% Sept-11 Mar-12 Sept-12 Sept-11 Mar-12 Sept-12 FY 2010 FY 2011 FY

18 Key Ratios (annualised) EARNING RATIOS Mar 12 (FY) Sept 11 (Q2) Sept 12 (Q2) Sept 11 (6M) Sept 12 (6M) a Cost of Deposits 7.63% 7.56% 8.30% 7.42% 8.20% b Cost of Funds 6.95% 6.84% 7.44% 6.79% 7.42% c Yield on Advances 11.62% 11.75% 11.87% 11.46% 11.75% d Yield on Investments 7.75% 7.78% 7.74% 7.73% 7.72% e Yield on Funds 9.16% 9.00% 9.47% 8.92% 9.49% f Net Interest Margin 2.48% 2.43% 2.23% 2.42% 2.26% 18

19 Key Ratios Earning / Profitability Ratios (annualised) Mar 12 (FY) Sept 11 (Q2) Sept 12 (Q2) Sept 11 (6M) Sept 12 (6M) a. Cost to Income Ratio 38.44% 39.03% 39.27% 40.96% 40.16% i) ii) b. Staff Cost to Income Ratio Other Operating Cost to Income Ratio Net Profit to Total income 19.68% 20.72% 18.03% 21.35% 19.54% 18.76% 18.31% 21.24% 19.61% 20.62% 10.38% 11.52% 9.97% 11.19% 9.64% c. Return on Assets (%) 1.06% 1.17% 1.03% 1.11% 1.00% d. Return on Equity (%) (Net Profit / Net Worth) 18.20% 20.86% 18.34% 19.08% 17.91% 19

20 PROVISIONS ` in Crore Quarter [Q2] Half year [H1] FY PARTICULARS Sept-11 3M Sept-12 3M Sept-11 6M Sept-12 6M Growth (%) (H1/H1) Mar-12 Provisions (Net) % a. For Bad & Doubt Debts % b. On Standard Assets c. Investment Depreciation d. Income Tax % e. Others: % i) Provision for interest capitalisation on FITL A/cs ii) Sacrifice amt. of Restructured Std. Advances %

Composition of Advances (` in crore) Parameter Balance O/S As at Growth over Sept 11 O/s as % to NBC as at Sept 12 31.03.12 30.09.

1% - of which Small Enterprises 13,752 11,886 15,000 3,114 26.2% 15.3% Large Industries 44,921 32,073 46,866 14,793 46.1% 47.

21 Composition of Advances (` in crore) Parameter Balance O/S As at Growth over Sept 11 O/s as % to NBC as at Sept Abs % Agriculture 7,140 5,778 8,004 2, % 8.2% SME 14,340 12,792 15,784 2, % 16.1% - of which Small Enterprises 13,752 11,886 15,000 3, % 15.3% Large Industries 44,921 32,073 46,866 14, % 47.7% Retail 18,089 13,870 21,167 7, % 21.6% Gold Loan 2,116 1,201 3,259 2, % 3.3% Wholesale Trade 1, , % 1.2% Food Credit 1,681 1,379 2, % 2.1% Commercial Real Estate 3,012 2,971 2, % 3.1% Capital Market 1,162 1,234 1, % 1.1% 21

22 Exposure to sensitive sectors [` in Crore] Sector Sept- 11 Mar-12 Sept - 12 Growth % over Sep 11 % to NBC as at Sept 12 a. Real Estate 13,550 14,563 13, % 13.4% Housing - Direct 6,323 6,836 7, % 7.5% Housing - Indirect 4,256 4,715 2, % 2.9% Comm. Real Estate 2,971 3,012 2, % 3.0% Of Comm. Real Estate: Corp Rental % 0.5% Builders 1,752 1,764 1, % 1.8% Others % 0.7% b. Capital Market * 1,234 1,162 1, % 13.7% Credit ** % 5.4% Investment (Equity) % 8.3% c. Commodities % 0.7% Total 15,566 16,358 14, % 15.2% d. NBFC 3,484 4,866 4, % 4.5% - of which M F I % 0.7% * Capital market as % to Net worth of March 2012 **Guarantees on behalf of brokers Rs.362 crore, advances to share brokers Rs.2 crore 22

Industry wise Credit exposure [` in Crore] Infrastructure [Breakup in next slide] Sept 2011 Sept 2012 % to total NBC -Sept-12 Deployment to Total Sept-12[%] Growth % S12/S11 y-o-y 12,838 16,504 16.

23 Industry wise Credit exposure [` in Crore] Infrastructure [Breakup in next slide] Sept 2011 Sept 2012 % to total NBC -Sept-12 Deployment to Total Sept-12[%] Growth % S12/S11 y-o-y 12,838 16, % 30.9% 28.6% Textiles 3,419 4, % 7.7% 20.8% Petroleum % 1.3% -29.3% Engineering 2,556 3, % 6.2% 29.0% Gem & Jewellery 1,848 2, % 5.1% 45.9% Chemicals & Pharma 2,165 3, % 5.9% 44.6% Iron & Steel 2,326 2, % 5.6% 28.0% Metal & Metal Products 1,347 1, % 2.8% 9.2% Food Processing 1,794 2, % 3.7% 11.5% Cement % 1.8% 4.8% Others 13,739 15, % 29.0% 12.8% Total 43,959 53, % 100.0% 21.5%

24 Industry wise Credit exposure (contd..) [` in Crore] INFRASTRUCTURE BREAK UP Sept-11 % to NBC Sept-11 Sept-12 % to NBC Sept-12 % growth over Sept-11 Power 8, % % 18.9% Telecomn. 2, % % 30.0% Roads & Ports 1, % % 76.6% Hospitals % % 132.1% Educational Institutions % % 27.4% Others* % % -34.4% Total 12, % 16, % 28.6% *Others include Info Park, SEZ, Construction relating to projects involving agroprocessing / storage of agro products, etc. 24

Retail lending 25 Sept-11 Mar-12 Sept-12 Y-o-y Growth % 13,870 18,089 21,167 52.6% 17.0% to NBC 18.00% to NBC 21.

6% Corp Mitra, 1% Corp Vyapar, 3% Personal, 1% Other Schemes, 32% Education 1,120 5.3% Mortgage 1,514 7.

25 Retail lending 25 Sept-11 Mar-12 Sept-12 Y-o-y Growth % 13,870 18,089 21, % 17.0% to NBC 18.00% to NBC 21.6% to NBC [` in Crore] Segment Amount % to NBC Housing 7, % Vehicle 2, % Corp Mitra, 1% Corp Vyapar, 3% Personal, 1% Other Schemes, 32% Education 1, % Mortgage 1, % Personal % Mortgage, 7% Vehicle, 14% Housing, 37% Corp Vyapar % Corp Mitra % Education, 5% Others 6, % Total 21, %

Priority Sector Lending (` in crore) Particulars Sept-11 Mar-12 Sept-12 Growth over Sept 11 Growth over Mar 11 Agriculture 5,778 7,140 8,004 38.5% 12.1% % to ANBC 6.65% 8.22% 7.

26 Priority Sector Lending (` in crore) Particulars Sept-11 Mar-12 Sept-12 Growth over Sept 11 Growth over Mar 11 Agriculture 5,778 7,140 8, % 12.1% % to ANBC 6.65% 8.22% 7.97% Small Enterprises 11,886 13,752 15, % 9.1% % to ANBC 13.69% 15.83% 14.93% Other Priority Sectors 8,102 9,020 8, % -5.9% % to ANBC 9.33% 10.39% 8.44% Total Priority Sector Deployment % to ANBC 25, % 29, % 31, % 22.2% 5.3% 26

27 Gross Investments Sept-11 Mar-12 Sept-12 [` In crore] GROSS INVESTMENTS 48, , SLR INVESTMENTS Treasury Bills 1, , , CG securities 29, , , State Govt. Securities 3, , , Total 33, , , NON-SLR INVESTMENTS PSU Bonds Corporate Debentures CDs 5, , , CPs RIDF /SIDBI /NHB 5, , , Others 2, Total 14, , , Surplus SLR 3, , ,

Treasury Management 31.03.12 30.09.11 30.09.12 % to Total Investment Aggregate Investment 47,619.70 48,427.80 53,578.68 Of which -- (i) HFT 574.52 390.87 368.08 0.69% (ii) AFS 9,579.44 12554.64 13962.

28 Treasury Management % to Total Investment Aggregate Investment 47, , , Of which -- (i) HFT % (ii) AFS 9, % (iii) HTM 37, % SLR Invt 37, % Non-SLR Invt 10, % Of which - RIDF/NHB/SIDBI 6, % Trading Profit [` In crore] Modified Duration Duration (Yrs) AFS HTM HFT

29 Asset Category wise Advances (` in crores) Sept-11 Mar-12 Sept-12 Asset Cat. Actual % Actual % Actual % Standard 80, , , Sub- Std Doubtful Loss Total 81, , , Cash Recovery & Upgradation PERIOD CASH RECOVERY UPGRADN TOTAL SEPT 11 6M MARCH 12 - FY JUNE 12 3M SEPT 12 6M

30 Movement of NPAs Gross NPAs at the beginning of the year [6M] ` in Crores [12M] [3M] (Cumulative) [6M] , , Add: Additions , , Less: Recoveries Up-gradation write off Gross NPA at the end of the period 1, , , , Gross Credit 81, ,825 98,999 98,709 Gross NPA % 1.32% 1.26% 1.71% 1.97% Net NPA , , Net NPA % 0.91% 0.87% 1.20% 1.38% PCR with respect to Gross NPA 64.74% 65.30% 61.02% 60.44% PCR : Provision Coverage Ratio. Net NPA 14.9% of Net Worth as on

31 Sector wise NPAs ` in Crores SECTOR PRIORITY A/cs NPA Sep-11 Mar-12 Sep-12 Amt % of % of NPA A/cs Amt NPA to to Exp. Exp. A/cs Amt % of NPA to Exp. AGRICULTURE SME OTHER PRIORITY TOTAL NON- PRIORITY LARGE INDUSTRY WHOLESALE TRADE OTHERS TOTAL GRAND TOTAL

32 Sector wise Delinquency ` in Crores SECTOR PRIORITY A/cs DELINQUENCY Sept-11 Mar-12 Sept-12 % of % of Amt Dlq. to A/cs Amt Dlq. to A/cs Amt Exp. Exp. % of Dlq. to Exp. AGRICULTURE SME OTHER PRIORITY TOTAL NON- PRIORITY LARGE INDUSTRY WHOLESALE TRADE OTHERS TOTAL GRAND TOTAL

33 Restructured Accounts (` in crores) No. of Accounts Amount A/c s restructured up to ,128 7, Additions from to , Additions from to Total Restructured up to ,174 8, Position as at O/S Balance Standard Assets 7, Substandard Assets Doubtful Assets Loss Assets Total Balance O/S 8, Total NPAs under Restructured Accounts 1, % of Restructured A/cs to NBC 9.06% 33

34 Capital adequacy (` in crore) CRAR UNDER BASEL II TIER II 4.67% TIER II 4.65% March 12 Sept 12 Net Worth 8,276 9,052 C R A R Risk Weighted Assets 105, ,696 Total Capital 13,767 13,919 Tier I Capital 8,820 8,961 Tier II Capital 4,947 4,958 TIER I 8.33% Mar-12 TIER I 8.40% Sept-12 CRAR 13.00% 13.05% Capital Adequacy Ratios March 12 Sept 12 Under Basel I 11.94% 12.19% Under Basel II % - of which Tier I 8.33% 8.40% Tier II 4.67% 4.65% 34

35 Rating for Banks CDs / FDs / Long Term Borrowings Certificate of Deposits CDs : Rating by Crisil - Crisil A1+ [pronounced as Crisil A one Plus ] Indicates very strong degree of safety regarding timely payment of financial obligations. Such instruments carry lowest credit risk Tier I Perpetual Bonds / Upper Tier II Bonds / Lower Tier II Bonds Fixed Deposit Rating by Crisil - Crisil AAA / Stable [pronounced as Crisil Triple A with stable outlook ) Indicates highest degree of safety regarding timely servicing of obligations. Such instruments carry lowest credit risk Rating by Crisil - FAAA / Stable [pronounced as F Triple A with stable outlook ) Indicates very strong degree of safety regarding timely payment of interest and principal on the instrument 35

Share holding pattern 30.09.2012 25.49% 7.10% 3.51% 38.00% Government of India 58.52% LIC of India 25.49% 5.00% Resident Individuals 5.00% NRI 0.38% 58.52% FIs, MFs, Banks & Corporate bodies 7.10% G.

36 Share holding pattern % 7.10% 3.51% 38.00% Government of India 58.52% LIC of India 25.49% 5.00% Resident Individuals 5.00% NRI 0.38% 58.52% FIs, MFs, Banks & Corporate bodies 7.10% G.O.I LIC FI, MF, Banks & Corporate FII NRIs INDIV FII & Overseas body corporates 3.51% TOP SHARES HOLDERS OTHER THAN GOVT. OF INDIA & LIC OF INDIA HOLDING % TO EQUITY RELIANCE CAPITAL TRUSTEE CO. LTD A/C RELIANCEBANKING FUND HDFC TRUSTEE COMPANY LIMITED - HDFC PRUDENCE FUND GENERAL INSURANCE CORPORATION OF INDIA BAJAJ ALLIANZ LIFE INSURANCE COMPANY LTD RELIANCE CAPITAL TRUSTEE CO LTD-RELIANCE LONGTERM EQUITY FUND THE NEW INDIA ASSURANCE COMPANY LIMITED LSV EMERGING MARKETS EQUITY FUND LP PINEBRIDGE INVESTMENTS ASIA LIMITED A/C PINEBRIDGE INVESTMENTS GF MAURITIUS LTD UNITED INDIA INSURANCE COMPANY LIMITED DIMENSIONAL EMERGING MARKETS VALUE FUND

Information Technology Initiatives All 1689 units under CBS 100%

operationalised and networked 1281 ATMs, across the country

57 lakh campus cards issued 14053 POS Terminals have been

services VAT collection at Maharashtra, Gujarath, Andhra Pradesh

system launched in Delhi, Bangalore & Mangalore First Bank to

of LIC premia through branches First Bank to launch ASBA

37 Information Technology Initiatives All 1689 units under CBS 100% of branches/offices under Core Banking The Bank has operationalised and networked 1281 ATMs, across the country inclusive of 9 Biometric ATMs lakh Debit cards, 0.57 lakh campus cards issued POS Terminals have been installed at different merchant establishments all over the country. Mobile Banking and SMS Banking operational with many value added services VAT collection at Maharashtra, Gujarath, Andhra Pradesh Delhi, Jharkhand, Karnataka and Goa are enabled E-Stamping system launched in Delhi, Bangalore & Mangalore First Bank to launch Tax-payment through ATM Only Bank to facilitate payment of LIC premia through branches First Bank to launch ASBA [Application supported by Blocked amount] Bank has introduced Interbank Mobile Payment Service [IMPS] to facilitate funds transfer across Banks using mobile phones 37

38 Financial Inclusion Branchless Banking Branchless Banking operational in 3545 locations. Added 155 new locations during the 6 months period from April Bank is actively participating in Electronic Benefit Transfer (EBT) programme in the States of Andhra Pradesh, Haryana & Karnataka wherein a total number of lakh transactions involving an amount of Rs crores have been put through during half year ended Bank has provided banking services in all 301 villages allocated by various SLBCs of population above 2000 (51 locations by way of Branch Model and 250 locations by way of BC Model). Out of 250 locations under BC model, 221 has been converted into Ultra Small branches and remaining 29 will be converted shortly. Bank has provided banking services to 111 villages already out of 402 villages allotted by Government of India to cover villages between 1000 to 2000 population and proposes to cover the remaining villages at the earliest. The Bank has undertaken Financial Inclusion program for Self Help Groups (SHGs) in Belguam & Tumkur Districts in Karnataka State under which SHGs will be formed. As on date 38,375 groups have already been enrolled. The Bank has won SKOCH Financial Inclusion Award 2012 for SHG initiatives Bank has been recognised among all RUDSETI (Rural Development of Self Employment Training Institute) by awarding A+ rating along with 26 others out of 526 RUDSETIs. 38

39 New Initiatives Corporation Bank, with a view to catering to the SME & Agricultural segments in a big way, has opened exclusive SME Loan centres in Fifteen Cities across the country and Five Agri Business Development Centres. To further boost the Agri lending, Gold loan shoppe have been opened in 7 places and 60 specialised Gold loan cells would be made functional very soon. The Bank has facilitated Online Opening of Deposits to its Retail and Corporate Customers through CorpNet Internet Banking Platform. The Bank has developed applications for I-Pad and Android tablets, which provide latest information, updates, interest rates and other relevant information for the users. The Bank has enabled Internet Banking through this application for personal banking. The Bank launched Grand Festival Bonanza for Various Loans Schemes of the Bank from September 01, 2012 for a limited period. The Bonanza is offered for Home Loans, Vehicle Loans, NRI Home Loans, Doctor Plus (Finance for Medical Professionals) and Vyapar Schemes (Loan for Trade & Business) with various incentives /concessions. The Bank organized Home Expo (Property Fair) at 20 cities across the country. The Home Expo has been arranged specially for the benefit of the customers as a one stop convenience for availing Home and other loans of the Bank. 39

Awards / Recognition Corporation Bank has been awarded as the Safest Banker by The Sunday Standard FINWIZ 2012 Best Bankers Award. The Award was been given by The Sunday Standard publication.

40 Awards / Recognition Corporation Bank has been awarded as the Safest Banker by The Sunday Standard FINWIZ 2012 Best Bankers Award. The Award was been given by The Sunday Standard publication. The Award was presented by Shri Anand Sharma, Hon ble Union Minister of Commerce, Industry and Textiles at an Award ceremony held at. Shri Ajai Kumar, Chairman & Managing Director of the Bank received the prestigious award on behalf of the Bank.

Awards / Recognition Corporation Bank Bags Best Mid Size Public Sector Bank (Commendation) Award at India Best Banks and Financial Institutions Awards 2012 by CNBC-TV18 & MCX Stock

41 Awards / Recognition Corporation Bank Bags Best Mid Size Public Sector Bank (Commendation) Award at India Best Banks and Financial Institutions Awards 2012 by CNBC-TV18 & MCX Stock Exchange (MCX-SX). The Award was received by Shri Ajai Kumar, Chairman & Managing Director of the Bank from Shri C. Rangarajan, Chairman of the Prime Minister's Economic Advisory Council

Looking Forward FY 2012-13 42 The Bank has 19 retail hubs for catering to the retail credit growth. There is plan to open more retail hubs.

42 Looking Forward FY The Bank has 19 retail hubs for catering to the retail credit growth. There is plan to open more retail hubs. The Bank is focussing on retail loan segment with specific focus on SME credit, commercial vehicle, gold loan, besides other segments. 300 new branches to be opened during the financial year to make national presence Pursuing opening /upgradation of branches /Offices at HongKong and Dubai More Mobile ATMs & Financial Inclusion Resource Centres to be launched Continue to innovate new products and services

43 43

Uninterrupted dividend payment track record since inception Declared Dividend of 190% Bank has crossed total Business of Rs.

Uninterrupted dividend payment track record since inception Declared Dividend of 190% Bank has crossed total Business of Rs. Corporation Bank was incorporated in the Year 1906 in Udupi a small town in South India Nationalized in the year 1980 and went public in 1998 The Bank holds a unique record of posting profits right from