Financial Performance For the Quarter/ Nine Months Ended 31ST DEC. 2017

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1 Financial Performance For the Quarter/ Nine Months Ended 31ST DEC th FEBRUARY

2 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 1997 A Mid sized Bank which is a leader in Technology Adoption and financial inclusion Founder: Shri Khan Bahadur Haji Abdullah Haji Kasim Saheb Bahadur 2

3 Vision Emerge as a Model for Inclusive Growth and Innovative Banking Services Mission To expand our reach to meet the financial needs of people To provide full range of banking services with innovative products To continue to adopt modern technology for superior banking experience To create a rewarding environment for all stakeholders To continue as a model organization for transparent and ethical practices 3

4 4

5 BUSINESS Total Business of the Bank stood at Rs Crore as on as compared to crore as on [0.02%]. Total Deposit of the Bank stood at Rs Crore as on CASA Level reached at Rs Crore as on [-2.30% over Sep.17]. Saving Bank Deposit reached at Rs Crore as on [+1.04% Over Sep. 17]. Cost of Deposit of the bank has decreased to 5.86% [reduction of 7 bps Over Sep. 2017]. Bulk Deposit decreased to % as on as compared to 42.02% as on Total Advance of the bank stood at Rs Crore as on [+1% over Sep.2017]. Total Priority sector advance stood at Rs Crore [44.52% of ANBC as against stipulated 40%] as on

6 ADVANCES Total Advance of the bank stood at Rs Crore as on [+1% over Sep.2017]. Total Priority sector advance stood at Rs Crore [44.52% of ANBC as against stipulated 40%] as on Total Agriculture advance including RIDF stood at Rs Crore [18.47% of ANBC as against stipulated 18%] as on Credit flow to women stood at Rs Crore [7.37% of ANBC as against stipulated 5%] as on Credit flow to weaker section stood at Rs Crore [13.10% of ANBC as against stipulated 10%] as on

7 INCOME Total Income of the Bank stood at Rs Crore as on Interest Income Stood at Rs Crore as on Non Interest Income stood at Rs Crore as on Operating Profit stood at Rs Crore as on RATIOS Net Interest Margin stood at 2.23% as on [+8 BPS Over Sep. 2017]. Gross NPA stood at 15.92% as on as compared to 15.28% as at Net NPA stood at 10.73% as on as compared to 10.24% as at Provision Coverage Ratio stood at 59.48% as on as compared to 58.05% as at Yield on investment stood at 7.18% as on [Q3] as compared to 7.17% as at [Q2]. 7

8 Business Highlights Total Depsoit Rs. In Crore

9 QUARTERLY PROFITS ( Rs. In Crore) QUARTERLY OPERATING PROFIT NET PROFIT Mar-17 Jun-17 Sep-17 Dec-17 Mar 17 [Q4] Jun-17 [Q1] SEP-17 [Q2] Dec-17 [Q3]

10 PARAMETERS AS ON DECEMBER 2017 (9M) NIM IMPROVE TO 2.23% COST OF FUNDS 5.38% YIELD ON ADVANCES 8.96% COST OF DEPOSIT 5.86% 10

11 COST VS YIELD Yield on Funds 6.19% 5.58% 5.55% 5.03% Cost of Funds Mar-17[Q4] Jun-17[Q1] Sep-17[Q2] Dec-17[Q3] 11

12 12

13 Business Parameters ` in Crore Parameters Mar-17 Sep-17 Dec-16 Dec-17 Growth Dec17/Dec17 FY H1 9M 9M Abs % Total Business ( ) -8.10% Deposits ( ) % Average Deposits ( ) -0.61% Advances ( ) -4.39% Average Advances ( ) -3.50% Investments ( ) -7.25% Average Investments % Working Funds ( ) -4.41% Average Working Funds % NDTL ( ) -5.08% 13

14 CASA (Rs. In Crore) Cost of Deposit 6.74% 6.76% Mar-17 Dec-16 Dec-17 Current Saving CASA 5.86% Mar-17 Dec-16 Dec-17 PARTICULARS Mar-17 Dec-16 Dec-17 Growth Dec17/16) ABS % CURRENT DEPOSITS 18,631 13,375 12, % SAVINGS BANK DEPOSITS 39,744 40,651 38, % TOTAL CASA DEPOSITS 58,374 54,026 51, % %age CASA Deposit 26.47% 24.19% 25.69% 14

15 Composition of Deposit ` in Crore Parameters Mar-17 Sep-17 Dec-16 Dec-17 Growth Dec17/Dec16 FY 6M 9M 9M Abs % CASA % Current Deposits % Savings Deposits % Term Deposits including CD s % Certificate of Deposit (CD s) Total Deposits % Average Deposit % Average CASA % Share of Avg. CASA to Avg. Deposits 21.47% 23.94% 19.49% 24.71% Share of CASA to Total Deposits 26.47% 26.14% 24.19% 25.69% C.D. Ratio 63.64% 63.43% 60.44% 64.45% Avg. CD Ratio 64.41% 62.56% 65.11% 63.22% Bulk Deposit 38.44% 35.16% 42.02% 35.77% 15

16 Sectoral Deployment of Credit Growth Parameter Dec17/Dec Abs % age O/s.as % to NBC as at Dec -17 Agriculture % 17.78% MSME (240) -0.82% 22.52% Large Industries (6763) % 35.10% Retail* % 22.62% Wholesale Trade (140) % 0.58% Food Credit (1245) % 1.14% Others** % 0.26% (5928) -4.39% 100.0% * Loan under Retail Lending Scheme like Corp home, Vidhya, Mortgage, vyapar, Vehicle etc. ** Others Includes Petrochecmical, Textile, Leather etc. 16

17 Total Priority Sector with RIDF Total Priority Sector (Actuals) Total Agriculture with RIDF Total Agriculture (Actuals) Deployment to Priority sector 40% % % % % % % % % % SF/MF 8% % % % % Micro Enterprises 7.50% % % % % Credit Flow to Women Credit Flow to W eaker Section Credit Flow to Minorities Parameter Targets Stipulated by RBI (as % of Mar-17 %age of ANBC 5% % 10% % 15% of PSA % Sep-17 ANBC as at Previous year end %age of ANBC % % % Dec %age of ANBC Dec %age of ANBC % % % % % % 17

18 Scheme Wise Exposure Rs. In Crore Growth SCHEMES Mar-17 Sep-17 Dec-16 Dec-17 Dec17/Dec16 Abs. % HOME % VEHICLE % VIDYA % MORTGAGE % VYAPAR % OTHERS * % GRAND TOTAL % *others include Corp Site, Corp Tutor Fee, Corp Consumer & Corp Plus, Personal, Cash Demat, Mahila Gold, Professional, Doctor Plus, Rental, Others Note : Portfolio includes all loans under Corp Schemes irrespective of limit 18

19 Industry Wise Exposure Rs. In Crore Growth Parameter Mar-17 Dec-16 Dec-17 Dec17/Dec16 O/s.as % to NBC as at Abs. % Dec- 17 Infrastructure % 15.38% Of which: Power % 7.80% Telecom % 2.05% Road % 3.82% Textiles % 4.56% Petroleum % 0.53% Engineering % 3.05% Gem & Jewellery % 2.47% Chemicals & Pharm % 1.85% Iron & Steel % 4.25% Metal & Metal Pro % 0.76% Food Processing % 2.66% Cement % 0.43% Others % 17.82% Total % 53.75% 19

20 Exposure to Sensitive sector [Rs. In Crore] Growth O/s.as % to NBC as SECTOR Mar-17 Dec-16 Dec-17 Dec17/Dec16 Abs % age at Dec -17 Real Estate Hsg Direct % 11.27% Hsg Indirect % 2.47% Commercial Real Esta % 2.89% Total % 16.63% of which, Commercial Real Estate Corp Rental % 0.46% Land & Bldg % 1.53% Others % 0.89% Capital Market % 0.42% Credit % 0.17% Investment % 0.25% Commodities % 2.50% % 19.55% 20

21 Restructured Accounts [Rs. In Crore] S. No. Particulars Dec-16 Dec-17 Amt. Amt. 1 Gross Advance (Excluding PWO) Restructured accounts Out of Restructured accounts 4 a. Standard (*) * includes additional facilities a) Restructured Standard Accounts (excluding additional facilities) b) Restructured Standard Accounts % to Gross Advance c) Restructured Standard Accounts [excluding additional facilities] % to Gross Advances % 2.45% 3.61% 1.88% 21

22 Investments ( Rs. In Crore) Particulars Mar-17 Dec-16 Dec-17 Growth Dec- 17/16 Aggregate Investment % Of Which i.hft % i.afs % i.htm % SLR Investments % NON-SLR Investments % Trading Profits % Duration (Yrs) AFS HTM HFT

23 ( Rs. In Crore) Mar-17 Dec-16 Dec-17 Growth Y-O-Y Investments GROSS INVESTMENTS 64,563 78,858 73, % SLR INVESTMENTS Treasury Bills 2,894 15,384 4,963 (10,421) % CG securities 33,449 39,210 36,527 (2,684) -6.84% State Govt. Securities 17,588 13,445 21,339 7, % OTS Total 53,930 68,040 62,831 (5,209) -7.66% PSU Bonds 1,203 1,265 1,149 (116) -9.19% Corporate Debentures 1,152 1,033 2,128 1, % Certificate of Deposit 4,337 5,111 3,126 (1,985) % Commercial papers 2,029 1,736 1, % SG Spl Securities , % Others 1,248 1,071 1, % Total 10,633 10,818 10, % RIDF /SIDBI /NHB 7,817 8,235 7,390 (845) % 23

24 24

25 BALANCE SHEET ` in Crore CAPITAL AND LIABILITIES Variation over (Abs) Mar-17 Dec-16 Capital (0.00) Reserves and Surplus 12, , , P & L account Balance (450.75) (105.25) (2,666.29) (2,215.54) (2,561.04) Deposits 220, , , (20,277.33) (23,101.73) Borrowings 6, , , , , Other liabilities and Provisions 8, , , , , Total ASSETS 247, , , (6,409.57) (11,143.14) Cash and Balances with RBI & Gold on hand 17, , , (7,230.02) (7,695.40) Balances with Banks and Money at Call and Short notice 7, , , (263.32) 2, Investments 64, , , , (5,685.77) Advances 140, , , (11,272.28) (5,927.77) Fixed Assets - Gross 2, , , Net 1, , , (61.68) (5.71) Other Assets 17, , , , , Total 247, , , (6,409.57) (11,143.14) 25

26 INCOME PARTICULARS Mar-17 12M Sep -17 Q2[3M] QUARTER Dec -16 Q3[3M] Dec-17 Q3[3M] Growth (%) [Q3]/ [Q3] Dec-16 9M Dec-17 9M Growth (%) ( DEC 17/DEC16) Total Income % % Interest Income % % a) Advances % % b) Investments % % c) Others % % Non-interest Income Of which : % % Core Area % % Non core area % % 26

27 NON INTEREST INCOME FROM CORE AREA RS. IN CRORE PARTICULARS Mar-17 12M Sep -17 Q2[3M] Dec -16 Q3[3M] Dec-17 Q3[3M] Growth (%) [Q3]/ [Q3] Dec-16 9M Dec-17 9M Growth (%) ( DEC 17/DEC16) Non-interest income from Core Areas: Of which: % % Commission on LC % % Commission on BG % % Processing Fee % % Service Charges % % Commission on Bills /DDs /Other items % % Other fee income % % 27

28 NON INTEREST INCOME- NON CORE AREA Rs. In Crore PARTICULARS Mar-17 12M Sep -17 3M Dec -16 3M Dec-17 3M Growth (%) [Q3]/ [Q3] Dec-16 9M Dec-17 9M Growth (%) ( 9M/ 9M) Non-interest income from Non-core Areas: Of which: % % Profit on Exchange Transactions % % Profit on Sale of Investments % % Dividend on Shares % % Cash Management Services % % Net Profit on sale of land,builldings & others % % Bad Debts Recovery in PWO accounts % % 28

29 EXPENSES Rs. In Crore PARTICULARS Mar-17 12M Sep -17 Q2 [3M] Dec -16 Q3[3M] Dec-17 Q3 [3M] Growth (%) [Q3]/ [Q3] Dec -16 [9M] Dec-17 [9M] Growth (%) [9M]/ [9M] Total Expenses % % Interest Expenses % % a) Interest on Deposits % % b) Interest on Borrowings % % Operating Expenses % % a) Salaries % % b) Other Operating Expenses % % 29

30 Provisions Rs. In Crore PARTICULARS Mar M Sep -17 3M Dec -16 3M Dec-17 3M Growth (%) [Q3]/ [Q3] Dec-16 [9M] Dec-17 [9M] Growth (%) [9M]/ [9M] Provisions (Net) % % a. For Bad & Doubt Deb % % b. On Standard Assets % % c. Investment Depreciat % % d. Income Tax % % e. Others % % 30

31 31

32 KEY RATIO (Annualized) Mar-17 (12M) Jun-17 (3M) Sep-17 (6M) Dec-17 9M Cost of Deposits 6.74% 5.93% 5.93% 5.86% Cost of Funds 6.25% 5.58% 5.56% 5.38% Yield on Advances 9.85% 8.37% 8.91% 8.96% Yield on Investments 7.39% 7.12% 7.14% 7.16% Yield on Funds 8.11% 7.28% 7.43% 7.30% Net Interest Margin 2.12% 1.88% 2.15% 2.23% 32

33 PROFITABILITY RATIO (Annalized) Mar-17 (12M) Jun-17 (3M) Sep-17 (6M) Dec-17 9M a. Cost to Income Ratio 41.13% 46.95% 43.57% 45.18% i) Staff Cost to Income Ratio 19.15% 21.68% 20.61% 22.18% ii) Other Operating Cost to Income Ratio 21.98% 25.26% 22.96% 23.00% b. Net Profit to Total income 2.49% 1.18% -9.32% % c. Return on Assets (%) 0.23% 0.10% -0.80% -1.20% d. Return on Equity (%) 4.66% 1.89% % % e Earning per Share [Rs.] f Book Value per share [Rs.]

34 34

35 Capital Adequacy Figures in %age CET I Capital Tier I Capital Total CRAR Mar-17 Dec-16 Dec-17 Rs. In Crore Mar-17 Dec-16 Dec-17 Risk Weighted Assets 15, Actual Capital CET I Capital 11, Tier I Capital 13,

36 Net Worth over last decade ` in Crore

37 Movement of NPAs ` in Crore As at As at As At Dec-17 As At Dec-16 Mar-17 Sep-17 Q3 Dec-17 Gross NPAs at the beginning of the year Add: Additions Less: Recoveries Up-gradation write off Gross NPA at the end of the period Gross Credit Gross NPA % 11.26% 11.70% 15.28% 15.92% 15.92% Net NPA Net NPA % 7.64% 8.33% 10.24% 10.73% 10.73% Provision Coverage Ratio (PCR) with respect to Gross NPA 56.93% 55.17% 58.05% 59.48% 59.48% 37

38 ` in Crore Gross and Net NPA Gross NPA Net NPA Mar-17 Dec-16 Dec-17 38

39 ` in Crore Sectorwise NPAs A/cs Mar-17 % of NPA to Exposure A/cs Dec-16 % of NPA to Exposure A/cs Dec-17 % of NPA to Exposure PRIORITY AGRICULTURE % % SME % % OTHER PRIORITY % % TOTAL % % NON- PRIORITY LARGE INDUSTRY % % WHOLESALE TRADE % % OTHERS % % TOTAL % % GRAND TOTAL % % 39

40 ` in Crore Sectorwise Deliquency Mar-17 % of Dlq to Exp. Dec-16 % of Dlq to Exp. Dec-17 % of Dlq to Exp. PRIORITY AGRICULTURE % % % SME % % % OTHER PRIORITY % % % TOTAL % % % NON PRIORITY LARGE INDUSTRY % % % WHOLESALE TRADE % % % OTHERS % % % TOTAL % % % GRAND TOTAL % % % 40

41 BANK NETWORK Dec-16 Dec-17 31/12/ /12/ Metro 600 Branches Urban Semi-Urban 797 ATM Rural 588 Branchless Banking Units Total % BRANCH SEGMENTATION AS ON % 23% 32% Rural S.U. Urban Metro 41

42 Shareholding Particulars Mar-17 [FY] Sep-17 [6M] Dec-16 [9M] Dec-17 [9M] Earning Per Share (Rs.) [ Not Annualized] Book Value Per Share (Rs.) Return on Equity 4.66% % 4.47% % No. of Shares (in Crore) Share Capital ( Rs. in Crore) Market Capitalization ( Rs. in Crore) NRI 0.25% FII & Overseas body corporates 1.88% Government of India 70.77% FIs, MFs, Banks & Corporate bodies 3.78% LIC of India 18.91% NRI FII & Overseas body corporates FIs, MFs, Banks & Corporate bodies Resident Individuals LIC of India Resident Individuals 4.41% 42

43 43

44 PMJDY account (In Lakhs) PMJDY accounts Balance(In Lakhs) , Mar-17 Dec-16 Dec-17 Mar-17 Dec-16 Dec-17 %age of Zero balance account under PMJDY 17.59% 18.50% 14.14% Mar-17 Dec-16 Dec-17 44

45 Issued RuPay debit cards to 95% of the account holders and passbook to 90% of the account holders. Aadhaar number has been seeded in 73 % of the operative PMJDY accounts. Fixed point Bank Mitras have been engaged at all the 637 SSAs (covering 2291 villages) where bank branches are not opened. 87% of the Bank Mitras are active and carry out daily transactions. Bank Mitras get fixed minimum remuneration of Rs. 5000/- pm in addition to variable incentives and hence the attrition of Bank Mitra is one of the lowest. Average transaction per Bank Mitra per month is 529 (Dec 2017), which is one of the best in the industry. Bank Mitras have been empowered to sanction (in principle) loans subject to approval by the Branch Manager. A separate incentive scheme has been formulated for this purpose 45

46 TARGET AREA 46

47 47

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