Financial Highlights FY

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1 Financial Highlights FY

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 1998 The Bank holds a unique record of posting profits right from inception Uninterrupted dividend payment track record since inception A Mid sized Bank which is a leader in Technology Adoption and financial inclusion Founder: Shri Khan Bahadur Haji Abdullah Haji Kasim Saheb Bahadur

3 Business growth over last decade Deposits Advances Total Business Total Business grew more than 6 times in 10 years FY K FY K FY K FY K FY K FY K FY K FY K FY K FY K 3

4 Net Worth over last decade

5 5 Profit growth over last decade Operating Profit Net Profit

6 Branch Network Mar-14 Mar-15 Branches ATM Branchless Banking Units Total Category % share Rural % Semi Urban % Urban % Metro % Total Branches % BRANCH SEGMENTATION AS ON During the financial year , the Bank opened 277 Branches and 669 ATMs across the country. 21% 21% 25% 33% The Bank has 2 representative offices at Dubai & HongKong RURAL URBAN SEMI URBAN METRO

7 Branch /ATM Network - expanding over last decade Branch ATM Branch ATM The Bank has opened 277 Branches & 669 ATMs during the current financial year 7

8 Branch Network Distribution as at CHANDIGARH 5/5 HP 15/18 PUNJAB 86/84 J&K 4/3 DELHI 104/190 UTTARAKHAND 27/34 NAGALAND 1/1 HARYANA 92/146 DADRA 1/1 DAMAN 1/1 GOA 56/67 GUJARATH 139/140 KARNATAKA 506/823 RAJASTHAN 75/76 MADHYAPRADESH 61/82 MAHARASHTRA 197/241 ANDHRA 145/156 UP 183/188 BIHAR 38/33 ORISSA 39/40 P CHERY 3/3 SIKKIM 1/1 WB 57/69 JHARKHAND 13/13 ASSAM 13/13 CHATTISGARH 28/25 TELANGANA 83/89 TRIPURA 2/2 MEGHALAYA 2/1 BRANCHES 2298 ATMs 2933 INCREASING REACH 27 States and 3 U.T.s covered 2 Rep offices at Dubai & HongKong KERALA 113/136 TN 213/253

9 Share holding pattern % 22.54% 5.88% 2.26% 0.33% 5.66% Government of India 63.33% LIC of India 22.54% Resident Individuals 5.66% NRI 0.33% FIs, MFs, Banks & Corporate bodies 5.88% FII & Overseas body corporates 2.26% TOP SHARES HOLDERS OTHER THAN GOVT. OF INDIA & LIC OF INDIA HOLDING % TO EQUITY HDFC TRUSTEE COMPANY LIMITED - HDFC PRUDENCE FUND GENERAL INSURANCE CORPORATION OF INDIA RELIANCE CAPITAL TRUSTEE CO LTD-A/C RELIANCE MID & SMALL CAP FUND HDFC STANDARD LIFE INSURANCE COMPANY LIMITED THE NEW INDIA ASSURANCE COMPANY LIMITED VANGUARD EMERGING MARKETS STOCK INDEX FUND, HDFC SMALL & MIDCAP FUND LSV EMERGING MARKETS EQUITY FUND LP UNITED INDIA INSURANCE COMPANY LIMITED DIMENSIONAL EMERGING MARKETS VALUE FUND

10 Business Parameters Parameters As at As at As at Growth Mar 15/Mar 14 Abs % Growth Mar 15/Dec 14 Abs % Total Business 330, , ,412 13, % 16, % Deposits 193, , ,346 5, % 11, % Average Deposits 164, , ,520 19, % % Advances 137, , ,066 7, % 5, % Average Advances 117, , ,802 16, % % Investments 66,191 63,126 63,412-2, % % Average Investments 63,348 63,342 62, % % Working Funds 222, , ,993 3, % 6, % Average Working Funds 195, , ,960 15, % % NDTL 184, , ,662 6, % 2, % 10

11 Income QUARTER FY (12 MONTHS) PARTICULARS Mar-14 3M Dec -14 3M Mar-15 3M Growth (%) (Q4/Q4) Mar M Mar M Growth (%) (M 15/M 14) Total Income Interest Income a) Advances b) Investments c) Others Non-interest Income 5, , % 4, , % 3, , % 1, , % % % 19, , % 17, , % 13, , % 4, , % % 1, , % Of which : Core Area Non core area % % 1, , % % 11

12 Non Interest Income Core Areas QUARTER FY (12 Months) PARTICULARS Mar-14 3M Dec -14 3M Mar -15 3M Growth (%) (Q4/Q4) Mar-14 12M Mar-15 12M Growth (%) (M 15/M 14) 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 % % % % % % % 1, , % % % % % % % 12

13 Non Interest Income Non Core Areas QUARTER FY [12 Months] PARTICULARS Mar -14 3M Dec -14 3M Mar -15 3M Growth (%) (Q4/Q4) Mar-14 12M Mar-15 12M Growth (%) (12M/12M) Non-interest income from Non-core Areas: Of which: Profit on Exchange Transactions Profit on Sale of Investments % % % % % % Dividend on Shares % Cash Management Services Bad Debts Recovery in PWO accounts % % % % 13

14 Expenses QUARTER FY (12 months) PARTICULARS Mar M Dec -14 3M Mar M Growth (%) (Q4/Q4) Mar M Mar-15 12M Growth (%) (M 15/M 15) Total Expenses 4, , % 16, % Interest Expenses 3, , % 14, % a) Interest on Deposits 3, , % 13, % b) Interest on Borrowings % % Operating Expenses % % a) Salaries b) Other Operating Expenses % % % 1, % 14

15 NET INTEREST INCOME (` in crore) Mar-14 [Q4] Dec-14 [Q3] 12M FY M FY Mar-15 [Q4] Growth Mar 15 (Q4)/Dec 14(Q3) 8.26% & Mar 15(Q4)/ Mar 14(Q4) 22.76% Growth FY / FY % 15

16 PROVISIONS QUARTER FY (12 Months) PARTICULARS Mar-14 3M Dec-14 3M Mar -15 3M Growth (%) (Q4/Q4) Mar M Mar-15 12M Growth (%) (M 15/M 15) Provisions (Net) % % a. For Bad & Doubt Debts % % b. On Standard Assets % % c. Investment Depreciation d. Income Tax e. Others: % % % % % % 16

17 PROFITS Mar-14 (Q4) Jun-14 (Q1) Sept-14 (Q2) Dec-14 (Q3) Mar-15 (Q4) Growth Q4/Q4 ABS % Growth Q4/Q3 ABS % Operating Profit % % Net Profit % % Mar-13 (12 M) Mar-14 (12 M) Mar-15 (12 M) Growth (abs) 12M /12M Growth % (Y-O-Y) 12M/12M Operating Profit 3, , , % Net Profit 1, % 17

18 Composition of Average Deposits 18 AVERAGES As at As at As at Growth Mar 15/Mar 14 Abs % Growth Mar 14/Mar 13 Abs % Average CASA 25,442 28,410 31,867 3, % 2, % Avg. Current Deposits Avg. Savings Deposits 7,520 8,161 8, % % 17,922 20,249 23,265 3, % 2, % Avg. Term Deposits 111, , ,653 16, % 25, % Average Deposits 136, , ,521 19, % 28, % Share of Avg. CASA to Avg. Deposits 18.61% 17.24% 17.27% Avg. CD Ratio 71.87% 71.01% 72.51%

19 Composition of Advances Parameter Agriculture (excluding RIDF) Balance O/S As at Growth Mar 15/ Mar 14 Growth Mar 14/ Mar Abs % Abs % O/s as % to NBC as at Mar 15 9,466 13, , % 3, % 10.91% MSME 19,518 24, , % 5, % 18.73% - of which Micro & Small Enterprises 18,555 24,058 25,981 1, % 5, % 17.91% Large Industries 54,135 60, , % 6, % 43.89% Corp Schemes 16,355 21,193 23,751 2, % 4, % 16.37% Wholesale Trade 1,186 1, % % 1.25% Food Credit 2,199 2, % % 1.52% Commercial Real Estate 3,060 3, % % 2.99% Capital Market % % 0.44% 19

20 Priority Sector Lending Particulars Mar-13 Mar-14 Mar-15 Growth Mar 15 / Mar 14 Growth Mar 14 / Mar 13 Agriculture * % to ANBC 9, % 13, % % 49.69% 38.86% Direct Agriculture % to ANBC % 9, % 13, % 31.86% 48.61% Micro & Small Enterprises % to ANBC 18, % 24, % % 7.99% 29.66% Other Priority * % to ANBC 9, % 11, % % 43.64% 14.33% Total Priority Sector Deployment * % to ANBC 37, % 48, % 61, % 27.62% 27.94% * Includes RIDF investment 20

21 Industry wise Credit Exposure Mar-13 Mar-14 Mar-15 Growth % M15/M14 y-o-y Growth % M14/M13 y-o-y % to NBC as at Mar 15 Infrastructure [Breakup in next slide] 19,785 20,749 23, % 4.87% 16.38% Textiles 4,918 5,822 5, % 18.38% 4.13% Petroleum 1,047 1, % 20.06% 0.68% Engineering 4,192 4,323 4, % 3.13% 3.25% Gem & Jewellery 3,208 4,131 3, % 28.77% 2.70% Chemicals & Pharma 4,109 4,039 4, % -1.70% 2.94% Iron & Steel 3,926 4,544 4, % 15.74% 3.12% Metal & Metal Products 1,830 1,636 1, % % 0.92% Food Processing 2,787 4,018 4, % 44.17% 2.99% Cement 1,148 1,258 1, % 9.58% 0.92% Others 15,820 20,500 23, % 29.58% 15.90% Total 62,770 72,277 78, % 15.15% 53.93% 21

22 Industry wise Credit Exposure Contd. INFRASTRUCTURE BREAK UP Mar-13 Mar-14 Mar-15 % growth Mar-15 / Mar-14 % growth Mar-14 / Mar-13 % to NBC Mar-15 Power 11,624 11,917 13, % 2.52% 9.62% Telecommunication 3,599 2, % % 2.24% Roads & Ports 3,105 4, % 37.29% 3.21% Hospitals % 75.00% 0.32% Educational Institutions % -1.11% 0.49% Others* % % 0.50% Total 19,785 20,749 23, % 4.87% 16.38% *Others include Info Park, SEZ, Construction relating to projects involving agro-processing / storage of agro products, etc. 22

23 Exposure to Sensitive Sectors Sector Mar-13 Mar-14 Mar-15 Growth % Mar-15/ Mar-14 Growth % Mar-14 / Mar-13 % to NBC as at Mar-15 a. Real Estate 15,063 17,981 20, % 19.37% 13.94% Housing - Direct 8,176 10,003 11, % 22.35% 7.94% Housing - Indirect 3,827 4,418 4, % 15.44% 3.00% Comm. Real Estate 3,060 3,560 4, % 16.34% 2.99% Of Comm. Real Estate: Corp Rental % -6.57% 0.31% Builders 1,786 1,925 2, % 7.78% 1.94% Others 787 1,180 1, % 49.94% 0.74% b. Capital Market * % -4.02% 6.06% Credit ** % 4.55% 2.49% Investment (Equity) % -6.55% 3.57% c. Commodities 1,531 2,153 3, % 40.63% 2.57% Total 17,365 20,874 24, % 20.21% 16.94% d. NBFC 4,824 6,024 8, % 24.88% 5.73% - of which M F I % 0.79% 0.31% * Capital market as % to Net worth of March 2015 **Guarantees on behalf of brokers Rs.161 crore, advances to share brokers Rs.5 crore 23

24 Movement of NPAs M M Mar-15 Q M Gross NPAs at the beginning of the year 2, , , , Add: Additions 3, , , Less: Recoveries Up-gradation write off Gross NPA at the end of the period , , , , Gross Credit 138, , ,708 Gross NPA % 3.42% 4.88% % Net NPA 3, , Net NPA % 2.32% 3.27% % PCR with respect to Gross NPA 52.90% 52.47% % PCR : Provision Coverage Ratio. 24

25 Sector wise NPAs SECTOR A/cs Mar-14 [12M] Amt % of NPA to Exp. NPA A/cs Mar-15 [12M] Amt % of NPA to Exp. PRIORITY AGRICULTURE SME OTHER PRIORITY TOTAL NON- PRIORITY LARGE INDUSTRY WHOLESALE TRADE OTHERS TOTAL GRAND TOTAL

26 26 Sector wise Delinquency SECTOR A/cs Mar-14 [12M] Amt DELINQUENCY % of Dlq. to Exp. A/cs Mar-15 [12M] Amt % of Dlq. to Exp. PRIORITY AGRICULTURE SME OTHER PRIORITY TOTAL NON- PRIORITY LARGE INDUSTRY WHOLESALE TRADE OTHERS TOTAL GRAND TOTAL

27 Restructured Accounts Amount Restructured from to , Total Restructured during financial year 4, Outstanding Position as at Standard Restructured Accounts which attract higher provisioning O/S Balance 10, % of Standard Restructured A/cs to NBC 7.28% 27

28 CAPITAL ADEQUACY 28 Under Basel III Basel II 31-Mar Mar Mar-15 TIER II 3.50% TIER II 3.04% TIER II 3.84% TIER II 3.52% Risk Weighted Assets , ,258 Total Capital ,476 16,427 Tier I Capital ,232 11,530 TIER I 8.14% TIER I 8.05% TIER I 8.37% TIER I 8.28% MAR-14 MAR-15 Mar-14 Mar-15 BASEL III BASEL II Tier II Capital ,244 4,897 C R A R 11.64% 11.09% 11.80% Tier I Of which : CET I 8.14% 7.63% 8.05% 7.34% 8.28% Tier II 3.50% 3.04% 3.52% Mar-13 Mar-14 Mar-15 Net Worth 9,566 10,085 10,484

29 KEY RATIOS (annualised) EARNING RATIOS Mar-14 (Q4) Dec-14 (Q3) Mar-15 (Q4) Mar-14 (FY) Mar-15 (FY) a Cost of Deposits 8.08% 7.96% 7.71% 8.03% 7.97% b Cost of Funds 7.17% 7.35% 7.06% 7.27% 7.34% c Yield on Advances 11.00% 11.05% 10.91% 11.29% 11.07% d Yield on Investments 7.80% 7.87% 7.88% 7.76% 7.86% e Yield on Funds 8.91% 9.31% 9.14% 9.21% 9.27% f Net Interest Margin 1.91% 2.09% 2.26% 2.10% 2.07% 29

30 KEY RATIOS Earning / Profitability Ratios (annualised) Mar-14 (FY) Mar-15 (FY) a. Cost to Income Ratio 44.04% 45.48% i) Staff Cost to Income Ratio 21.91% 21.29% ii) Other Operating Cost to Income Ratio 22.13% 24.19% b. Net Profit to Total income 2.86% 2.78% c. Return on Assets (%) 0.29% 0.28% d. Return on Equity (%) (Net Profit / Net Worth) 5.72% 5.68% e Earning per Share [`] % f Book Value per share [`] The Face value of Bank s share was split from Rs.10-/ to Rs.2/- w.e.f Accordingly the EPS and BVPS have been computed and figures of previous year are also shown at the reduced share value for comparison purpose 30

31 PRODUCTIVITY RATIOS Ratios Mar-14 (FY) Mar-15 (FY) (` in lakhs) a. Business per Employee b. Net Profit per Employee * c. Net Profit per Branch * d. Avg. Business per Branch *Annualised 31

32 Financial Inclusion Branchless Banking & PMJDY: Branchless Banking operational in 4,685 locations across India which are being serviced by 1226 Bank Mitras. The Bank has reached a level of lakhs Basic Saving Bank Deposit Accounts (BSBDA) with a balance of Rs.202 crore as at Total number of 2291 villages were allocated to the Bank under PMJDY and 883 sub service areas are formed out of these villages. 951 wards in urban area has been allocated under PMJDY. The Bank, has opened 21,18,067 accounts under PMJDY (10,50,345 Rural & 10,67,722 urban) and the balance in these accounts is Rs Crore as on The average balance in the non-zero balance accounts is Rs. 3,116/- per account as against the national average of Rs. 2,495/-. Out of the 21,18,067 accounts opened under PMJDY, RuPay card has been issued to 20,53,354 i.e. 97% account holders. Implementation of Social Security Schemes: Government of India had launched Three Social Security Schemes viz. PMJJBY, PMSBY and APY schemes. Our Bank has given a target of mobilisation of at least 10 lakhs enrolments by the launch date of 09/05/2015. As against the given target our Bank has mobilized lakhs enrolments by active participation. 32

33 Information Technology Initiatives All units under CBS 100% of branches/offices under Core Banking The Bank has operationalised and networked 2933 ATMs, across the country inclusive of 9 Biometric ATMs. Net Banking facility is enabled for both Retail and Corporate customers using a robust, scalable MVC module with many add on features. This facility is being used by more than 8.00 lakh users and services are available through Android phones, IOS Phones, Tablets and ipads. Mobile Banking (now available on ipad /iphone /Android devices also) and SMS Banking operational with many value added services and is being used by more than 13 lakh users E-passbook facility and Corp Global Card a prepaid Forex travel card has been launched 102 E-lobbies across the country are operational and offering services like Cash withdrawal, Cash & Cheque deposit and Passbook printing E-Stamping system launched in Delhi, Bangalore & Mangalore The Bank has planned to migrate to a new and contemporary Core Banking Solution and the process is underway. E-Payment of State Taxes has been enabled through Net Banking in 10 states. 33

34 Information Technology Initiatives epassbook A versatile epassbook was introduced by the Bank. It is a complete valet of information on banking transactions virtually at the fingertips of the customer 24*7. It encompass a host of value-additions like Holiday Calendar, personal expenses tracker (outside normal banking transactions) and information in local languages [Tamil, Malayalam, Kannada and Telugu] besides Hindi & English. Information is available in both online and offline mode. TABLET BANKING As an innovative technology driven initiative, Tablet Banking was introduced, where Bank reached out to the customer for opening of accounts. All the mandatory details including photographs are captured in digital format and updated in the CBS via a secured media. On successful opening of account in the system, all the customerdeliverables are served at client s place. MISSED CALL FACILITY This is a value addition offered free of cost to the customers who have availed our SMS Banking facility. Just by making a missed call to a predefined number, the customer receives the current balance available in his primary account by way of a SMS to his registered mobile number. This facility is available both in English and Hindi. This initiative has obviated the necessity of the customer to visit the branch for balance enquiry. 34

35 Awards / Recognition Corporation Bank was awarded SKOCH Achiever Award for National SME enablement at New Delhi on 21 st March, Shri. S R Bansal, Chairman & Managing Director of the Bank received the award from Shri. Jayant Sinha, Hon ble Minister of State for Finance, Govt. of India..

36 Awards / Recognition Corporation Bank has bagged MSME Banking Excellence Awards 2014 instituted by Chamber of Indian Micro Small & Medium Enterprises. The Bank has bagged two awards under the categories Best MSME Bank Award for Other Bank (Winner) and Best Bank Award (Runner Up). The Award was received by Shri S R Bansal, Chairman & Managing Director of the Bank

37 New Initiatives Shri. S.K. Roy, Chairman of LIC of India (6 th from Left), and Shri. S.R. Bansal, CMD of Corporation Bank (7 th from left) with MoU signed for implementation of Pradhan Mantri Jeevan Jyoti Bima Yojana at the Head Office of Corporation Bank in Mangalore, Karnataka on 30 th March 2015.

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

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