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

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2 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 inception Founder: Shri Haji Abdullah Haji Bahadur Saheb Bahadur Uninterrupted dividend payment track record since inception Declared Dividend of 190% for FY Bank has crossed total Business of Rs.3,00,000 crore

3 Business growth over last decade Deposits Advances Total Business Total Business almost doubled in THREE years span and more than 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 3

4 Net Worth over last decade Net worth increased by 3.5 times over 10 years span

5 5 Profit growth over last decade Operating Profit Net Profit

6 BRANCH NETWORK Category % share March-13 Dec-12 Dec-13 Branches ATM Branchless Banking Units Total During the 9 months period of FY , the Bank opened 123 Branches across the country. The Bank has 2 representative offices at Dubai & HongKong Rural % Semi Urban % Urban % Metro % Total Branches % BRANCH SEGMENTATION AS ON % 22% 23% 33% RURAL SEMI URBAN URBAN METRO

7 Share holding pattern % 6.87% 2.82% 0.38% Government of India 63.33% LIC of India 21.00% Resident Individuals 5.60% 63.33% 5.60% NRI 0.38% FIs, MFs, Banks & Corporate bodies 6.87% FII & Overseas body corporates 2.82% 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-RELIANCE LONGTERM EQUITY FUND THE NEW INDIA ASSURANCE COMPANY LIMITED VANGUARD EMERGING MARKETS STOCK INDEX FUND, ASERIE S OF VANGUARD INTERNATIONAL EQUITY INDE X FUND LSV EMERGING MARKETS EQUITY FUND LP DIMENSIONAL EMERGING MARKETS VALUE FUND UNITED INDIA INSURANCE COMPANY LIMITED WELLINGTON MANAGEMENT COMPANY, LLP A/C BAY POND MB TATA INVESTMENT CORPORATION LIMITED

8 Business Parameters Parameters As at As at As at Growth Dec 13/Dec 12 Abs % Growth Dec 13/Mar 13 Abs % Total Business 284, , ,375 56, % 16, % Deposits 166, , ,845 37, % 11, % Average Deposits 136, , ,739 28, % 25, % Advances 118, , ,530 19, % 4, % Average Advances 98,256 95, ,629 18, % 16, % Investments 58,164 53,258 65,753 12, % 7, % Average Investments 51,375 50,250 60,069 9, % 8, % Working Funds 193, , ,923 34, % 12, % Average Working Funds 162, , ,478 32, % 27, % NDTL 162, , ,913 29, % 14, % 8

9 Income PARTICULARS Total Income Interest Income a) Advances b) Investments c) Others Non-interest Income Dec M QUARTER [Q3] Sept M Dec M Growth (%) (Q3/Q3) 4, , , % 3, , , % 2, , , % , , % % % Dec M FY (9 MONTHS) Dec M Growth (%) (9M/9M) 12, , % 11, , % 8, , % , % % 1, , Of which : Core Area % % Non core area % % 9

10 Non Interest Income Core Areas PARTICULARS Non-interest income from core Areas: Of which: Dec M QUARTER [Q2] Sept M Dec M Growth (%) (Q3/Q3) % Dec2012 9M FY (9 months) Dec2013 9M Growth (%) (9M/9M) % Commission on LC % % Commission on BG % % Processing Fee % % Service Charges Commission on Bills /DDs /Other items Other fee income % % % % % % 10

11 Non Interest Income Non Core Areas PARTICULARS Non-interest income from Non-core Areas: Of which: Profit on Exchange Transactions Profit on Sale of Investments Dec M QUARTER [Q3] Sep M Dec M Growth (%) (Q3/Q3) % % % Dec M FY (9 MONTHS) Dec M Growth (%) (9M/9M) % % % Dividend on Shares % Cash Management Services Bad Debts Recovery in PWO accounts % % % % 11

12 Expenses QUARTER [Q3] FY (9 MONTHS) PARTICULARS Dec M Sep M Dec M Growth (%) (Q3/Q3) Dec M Dec M Growth (%) (9M/9M) Total Expenses 3, , , % 10, % Interest Expenses 2, , , % 8, , % a) Interest on Deposits 2, , , % 8, , % b) Interest on Borrowings Operating Expenses % % % 1, % a) Salaries b) Other Operating Expenses % % % % 12

13 Net Interest Income Q3 Dec 12 Q2 Sept 13 Q3 Dec M FY M FY Increase Q3/Q % Increase 9M/9M 15.28% 13

14 PROVISIONS Quarter [Q3] FY (9 Months) PARTICULARS Dec-12 3M Sep-13 3M Dec-13 3M Growth (Q3/Q3) Dec-12 9M Dec-13 9M Growth (9M/9M) Provisions (Net) a. For Bad & Doubt Debts b. On Standard Assets c. Investment Depreciation d. Income Tax e. Others:

15 PROFITS Dec-12 (Q3) Sep-13 (Q2) Dec-13 (Q3) Growth (abs) y-o-y Growth % (Y-O-Y) Growth (abs) Q3 /Q2 Growth % Q3 /Q2 Operating Profit % % Net Profit % % Mar-13 (12 M) Dec-12 (9M) Dec-13 (9M) Growth (abs) 9M /9M Growth % (Y-O-Y) 9M/9M Operating Profit , , % Net Profit % 15

16 Composition of Deposits Parameters As at As at As at Growth Dec 13/Dec 12 Abs % Growth Dec 13/Mar 13 Abs % CASA 35,996 28,722 35,371 6, % % Current Deposits 15,237 9,818 13,759 3, % -1, % Savings Deposits 20,759 18,904 21,612 2, % % Term Deposits including CD s 130, , ,474 30, % 12, % Total Deposits 166, , ,845 37, % 11, % Share of CASA to Total Deposits 21.68% 20.46% 19.89% C.D. Ratio 71.51% 74.40% 69.46% 16

17 Composition of Advances Parameter Balance O/S As at Growth Dec13 / Dec 12 Growth Dec 13 / Mar Abs % Abs % O/s as % to NBC as at Dec 13 Agriculture 9,466 8,730 11,377 2, % 1, % 9.2% MSME 19,518 17,637 23,069 5, % 3, % 18.7% - of which Micro & Small Enterprises 18,555 16,682 21,995 5, % 3, % 17.8% Large Industries 54,135 48,512 55,495 6, % 1, % 44.9% Retail 25,148 22,877 29,230 6, % 4, % 23.7% Wholesale Trade 1, , % % 0.9% Food Credit 2,199 2,431 2, % % 2.2% Commercial Real Estate 3,060 2,964 3, % % 2.5% Capital Market 771 1, % % 0.6% 17

18 Priority Sector Lending Particulars Mar-13 Dec-12 Dec-13 Growth Dec 13 / Dec 12 Growth Dec 13/ Mar 13 Agriculture % to ANBC 9, % 8, % % 30.32% 20.19% Direct Agriculture % to ANBC % 6, % % 33.93% 25.79% Micro & Small Enterprises % to ANBC 18, % 16, % % 31.85% 18.54% Other Priority Sectors % to ANBC 9, % 8, % 10, % 22.00% 9.30% Total Priority Sector Deployment % to ANBC 37, % 34, % % 28.91% 16.54% 18

19 Retail Lending FY Mar-13 Dec-12 Dec-13 Growth % Dec13/Dec12 25,148 22,877 29, % % to NBC 21.2% to NBC 21.9% to NBC 23.7% to NBC Housing 8,254 10, % Vehicle 3,088 3, % Segment wise Deployment to Total Education 1,141 1, % Corp Mitra, 0% Corp Vyapar, 7% Other Schemes, 31% Mortgage 1,826 2, % Personal % Personal, 1% Mortgage, 9% Vehicle, 13% Housing, 34% CorpVyapar 854 2, % Corp Mitra % Others 7,310 9, % Education, 4% Total 22,877 29, % 19

20 Industry wise Credit Exposure Mar-13 Dec-12 Dec-13 Growth % D13/D12 y-o-y Growth % D13/M13 % to NBC as at Dec 13 Infrastructure [Breakup in next slide] 19,785 17,051 19, % 0.96% 16.1% Textiles 4,918 4,413 5, % 13.50% 4.5% Petroleum 1,047 1, % % 0.7% Engineering 4,192 3,671 4, % 2.29% 3.5% Gem & Jewellery 3,208 2,834 4, % 24.88% 3.2% Chemicals & Pharma 4,109 3,092 3, % -7.54% 3.1% Iron & Steel 3,926 3,104 4, % 14.47% 3.6% Metal & Metal Products 1,830 1,559 1, % % 1.1% Food Processing 2,787 1,979 2, % % 2.0% Cement 1,148 1,065 1, % 11.50% 1.0% Others 15,820 17,713 19, % 26.87% 15.7% Total 62,770 57,889 67, % 7.54% 54.5% 20

21 Industry wise Credit Exposure (contd..) INFRASTRUCTURE BREAK UP Mar-13 Dec-12 Dec-13 % growth Dec13 / Dec-12 % growth Dec13 / Mar-13 % to NBC Dec-13 Power 11,624 10,358 11, % -2.82% 9.1% Telecommunication 3,599 2,591 2, % % 2.4% Roads & Ports 3,105 2,704 3, % 22.38% 3.1% Hospitals % 37.96% 0.4% Educational Institutions % -6.73% 0.8% Others* % % 0.4% Total 19,785 17,051 19, % 0.96% 16.2% *Others include Info Park, SEZ, Construction relating to projects involving agro-processing / storage of agro products, etc. 21

22 Exposure to Sensitive Sectors Sector Mar-13 Dec-12 Dec-13 Growth % Dec 13 / Dec12 Growth % Dec13 / Mar13 % to NBC as at Dec 13 a. Real Estate 15,063 13, % 11.01% 13.5% Housing - Direct 8,176 8, % 16.39% 7.7% Housing - Indirect 3,827 2, % 7.39% 3.3% Comm. Real Estate 3,060 2, % 1.18% 2.5% Of Comm. Real Estate: 0.0% Corp Rental % -4.52% 0.4% Builders 1,786 1, % 1.34% 1.5% Others % 4.32% 0.7% b. Capital Market * 771 1, % -6.61% 7.8% Credit ** % -9.66% 1.7% Investment (Equity) % -5.71% 6.1% c. Commodities % 36.28% 0.6% Total 16,366 15, % 11.00% 14.7% d. NBFC 4,824 3, % -8.60% 3.6% - of which M F I % % 0.5% * Capital market as % to Net worth of March 2013 **Guarantees on behalf of brokers Rs.129 crore, advances to share brokers Rs.6 crore 22

23 Investments Mar-13 Dec-12 Dec-13 GROSS INVESTMENTS 58, , , SLR INVESTMENTS Treasury Bills 4, , , CG securities 36, , , State Govt. Securities 5, , , Total 46, , , NON-SLR INVESTMENTS PSU Bonds 1, , , Corporate Debentures CDs CPs RIDF /SIDBI /NHB 8, , , Others Total 11, ,

24 Treasury Management FY M M % to Total Investments Dec 13 Aggregate Investment 58, , , % Of which (i) HFT % (ii) AFS , , % (iii) HTM , , % SLR Invt , , % Non-SLR Invt , , % - RIDF/NHB/SIDBI , , Trading Profit Duration (Yrs) AFS HTM HFT

25 Asset Category wise Advances Mar-13 Dec-12 Dec-13 Asset Cat. Actual % Actual % Actual % Standard 117, , % 120, Sub- Std. 1, , % 2, Doubtful % 1, Loss % Total 119, , % 124,

26 Movement of NPAs Gross NPAs at the beginning of the year , , , , Add: Additions 1, , , , Less: Recoveries Up-gradation write off Gross NPA at the end of the period , , , , Gross Credit 104, , , ,720 Gross NPA % 2.18% 1.72% 3.17% 3.08% Net NPA 1, , , , Net NPA % 1.63% 1.19% 2.20% 2.15% PCR with respect to Gross NPA 58.02% 62.06% 51.54% 53.59% PCR : Provision Coverage Ratio. 26

27 Sector wise NPAs SECTOR PRIORITY NPA Mar-13 [12M] Dec-12[9M] Dec-13 [9M] A/cs Amt % of NPA to Exp. A/cs Amt % of NPA to Exp. A/cs Amt % of NPA to Exp. AGRICULTURE SME OTHER PRIORITY TOTAL NON- PRIORITY LARGE INDUSTRY WHOLESALE TRADE OTHERS TOTAL GRAND TOTAL

28 Sector wise Delinquency SECTOR PRIORITY DELINQUENCY Mar-13 [12M] Dec-12 [9M] Dec-13 [9M] % of % of % of A/cs Amt Dlq. to Exp. A/cs Amt Dlq. to Exp. A/cs Amt Dlq. to Exp. AGRICULTURE SME OTHER PRIORITY TOTAL NON- PRIORITY LARGE INDUSTRY WHOLESALE TRADE OTHERS TOTAL GRAND TOTAL

29 Restructured Accounts No. of Accounts Amount Restructured from to Restructured from to Restructured from to , Total as at , Position as at O/S Balance Total Standard Restructured Accounts Outstanding % of Standard Restructured A/cs to NBC 5.35% 29

30 CAPITAL ADEQUACY Under Basel II Basel III Mar-13 Dec-13 Dec-13 TIER II 4.00% TIER II 4.11% TIER II 3.72% Risk Weighted Assets 122, , ,323 Total Capital 15,166 15,354 14,786 Tier I Capital 10,250 10,335 10,160 Tier II Capital 4,917 5,019 4,626 TIER I 8.33% TIER I 8.45% TIER I 8.17% C R A R 12.33% 12.56% 11.89% - of which Tier I 8.33% 8.45% 8.17% Tier II 4.00% 4.11% 3.72% Mar-13 Dec-13 Dec-13 BASEL II BASEL III Mar-13 Dec-12 Dec-13 Net Worth 9,566 9,355 10,171 30

31 KEY RATIOS (annualised) EARNING RATIOS Mar 13 (FY) Dec 12 (Q3) Sep 13 (Q2) Dec 13 (Q3) Dec 12 (9M) Dec 13 (9M) a Cost of Deposits 8.12% 8.06% 8.13% 8.03% 8.15% 8.02% b Cost of Funds 7.31% 7.31% 7.34% 7.39% 7.38% 7.31% c d Yield on Advances Yield on Investments 11.65% 11.55% 11.40% 11.44% 11.67% 11.40% 7.74% 7.79% 7.66% 7.87% 7.75% 7.86% e Yield on Funds 9.42% 9.47% 9.23% 9.44% 9.48% 9.32% f Net Interest Margin 2.29% 2.35% 2.04% 2.18% 2.29% 2.16% 31

32 KEY RATIOS Earning / Profitability Ratios (annualised) Mar 13 (FY) Dec 12 (Q3) Sept 13 (Q2) Dec 13 (Q3) Dec 12 (9M) Dec 13 (9M) a. Cost to Income Ratio 39.67% 40.26% 46.84% 44.52% 40.19% 41.90% i) ii) b. c. d. e Staff Cost to Income Ratio Other Operating Cost to Income Ratio Net Profit to Total income Return on Assets (%) Return on Equity (%) (Net Profit / Net Worth) Earning per Share [`] 19.67% 20.73% 23.19% 22.11% 19.96% 20.83% 20.00% 19.53% 23.65% 22.41% 20.23% 21.07% 8.47% 7.12% 0.32% 2.56% 8.77% 3.57% 0.88% 0.74% 0.03% 0.26% 0.91% 0.36% 16.27% 13.39% 0.62% 5.03% 16.32% 7.03% f Book Value per share [`]

33 PRODUCTIVITY RATIOS ` in lakhs Ratios Mar13 (FY) Dec-12 (Q3) Dec-13 (Q3) Dec-12 (9M) Dec-13 (M) a. b. c. d. Business per Employee Net Profit per Employee * Net Profit per Branch * Avg. Business per Branch *Annualised 1, , , , , , , , , ,

34 34 Financial Inclusion Branchless Banking Branchless Banking operational in 3926 locations across India through 2843 BCAs Bank is actively participating in Electronic Benefit Transfer (EBT) program in the States of Andhra Pradesh, Karnataka and Tamil Nadu. The Bank has Business Correspondents in all the villages allotted under Financial Inclusion A total number of 7.95 lakh transactions amounting to Rs Lakhs have been routed through the BCs during the Quarter ended December 2013 under FI & EBT. [10.77 lakh transactions amounting to Rs lakhs during Q2-Sept 13] The Bank has implemented Urban Financial Inclusion in 125 locations. Bank has provided banking services to all 318 villages allotted with more than 2000 population Bank has provided banking services in 492 (out of 1562 villages) villages with less than 2000 population and the coverage of remaining 1070 villages will be completed by March 2016 as per FIP

35 Financial Inclusion Branchless Banking 35 Direct Benefit Transfer (DBT) : The Bank has its presence in 85 districts out of 121 districts identified for DBT implementation. Bank is participating in Aadhaar Enabled Payment System being implemented. Bank has covered all Sub Service Areas with banking infrastructure in the DBT districts. Bank has opened accounts of all beneficiaries to receive direct benefits. transfer. Bank has mapped 10.01lakh Aadhaar numbers to NPCI as on [5.97 lakh Adhaar numbers mapped to NPCI as on ] Direct Benefit Transfer LPG[DBTL] DBTL is implemented in 269 districts in 6 phases across the country. The Bank has Lead Bank responsibility in three lead districts in Karnataka Bank has already taken necessary steps with all the stake holders to implement the DBTL scheme in the three districts.

36 Information Technology Initiatives All units under CBS 100% of branches/offices under Core Banking The Bank has operationalised and networked 1945 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 Mobile Banking (now available on ipad /iphone /Android devices also) and SMS Banking operational with many value added services Travel Card in foreign currency in tie-up with J P Morgan launched E-Stamping system launched in Delhi, Bangalore & Mangalore The Bank has planned to migrate to a new and contemporary Core Banking Solution. Bank has introduced Interbank Mobile Payment Service [IMPS] to facilitate funds transfer across Banks using mobile phones E-Payment of State Taxes has been enabled through Net Banking in 10 states. 36

37 Awards / Recognition Corporation Bank has won the IBA Banking Technology Award for Best Use of Mobility Technology in Banking. Shri S R Bansal, Chairman & Managing Director of the Bank received the award at the function held at Mumbai on 27 th January 2014

38 AWARDS & ACCOLADES Corporation Bank is ranked First under National Awards for Excellence in MSE Lending for the year under Public Sector Banks from Ministry of Micro, Small and Medium Enterprises Corporation Bank is ranked Second under National Awards for Excellence in Lending to Micro Enterprises for the year under Public Sector Banks from Ministry of Micro, Small and Medium Enterprises

39 CSR initiatives Corporation Bank has set up a wing named Corp Kiran - An association of Wives of Senior Executives of Corporation Bank under CSR (Corporate Social Responsibility) for undertaking CSR activities. The emblem of Corp Kiran was inaugurated by Smt. Sumitra Bansal, President of Corp Kiran in the presence of Shri S R Bansal, Chairman & Managing Director of the Bank

40 New Initiatives Corporation Bank donated a mid-day meal distribution vehicle to The Akshaya Patra Foundation. The vehicle was flagged off by Shri S R Bansal, Chairman & Managing Director of the Bank at Bangalore recently. Corporation Bank distributed school bags to the students of Navajeevan Prathmik Vidyamandir, Kalasugandh Mandal, Thane. The school bags were distributed by Shri S R Bansal, Chairman & Managing Director of the Bank on December 5, Corporation Bank in association with Dhan Foundation financed Rs.8 crores to 300 Self Help Groups (SHG) in and around Sriperumpudur Corporation Bank donated five Angel Pro Daisy Players and five Computers to the Students of School of Deaf Mute Society, Ahmedabad. Shri S R Bansal, Chairman & Managing Director of the Bank handed over the Angel Pro Daisy Players to the Secretary of the Society and the computers were handed over by Smt. Sumitra Bansal, President, Corp Kiran. Corporation Bank has launched a year-long campaign for aggressive delivery of agriculture credit and financial inclusion initiatives at all its branches aiming at farming families, community units, Self Help Groups etc 40

41 WAY FORWARD Now Bank s Focus is on: Mobilising CASA deposits to increase Bank s CASA share Quality credit growth with focus on Agriculture, Retail & MSME Expansion of Branch and ATM network and other alternative channels of delivery Customer acquisition, especially next-gen customers Improving Asset Quality. 41

42 42

Founder: Shri Haji Abdullah Haji Bahadur Saheb Bahadur

Founder: Shri Haji Abdullah Haji Bahadur Saheb Bahadur 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

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