analyst presentation (mar 10)
TRANSCRIPT
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CENTRALBANKOFINDIA
FINANCIALRESULTSFOR THEYEARENDED31ST MARCH2010
Presentation to Analysts
MAY 05, 2010
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PerformanceHighlights200910(Rs incrores)
85.25%5711058NetProfit
54.32%70.39%ProvisionCoverageRatio
Parameters Mar2010 Mar
2009 Growth
(09
10)
over
(08
09)
TotalBusiness 269225 218012 23.5%
TotalDeposits 162107 131272 23.5%
TotalLoansandAdvances 107118 86740 23.5%
GrossIncome 13799 11525 19.7%
NetInterestIncome 2545 2228 14.2%
OperatingProfit 2058 1437 43.2%
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Performance HighlightsQ4 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
125
(3.49%)
485
(13.26%)
1097(30.67%)
754
(21.08%)
746
(21.16%)
370
(10.34%)
Geographical Area NumberofBranches
% of TotalBranches
North India 370 10.34
Central India 1097 30.67
East & North East 879 24.57
South 485 13.26
West 746 21.16
Total3577 100
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BranchSegmentationAsOn31.03.10
608
(17%)
683
(19%)898
(25%)
1388
(39%)
Rural
SemiUrbanUrban
Metropolitan
TotalBranches 3577
Rural 1388
SemiUrban 898
Urban 683
Metropolitan 608
ATMs 401
CBSBranches
(1760ason
Date 49.2%)
1602
(44.8%)
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Business GrowthRs.incrore
13127286740
162107107118
Deposits Advances
FY09 FY10
23.50%
23.50%
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Business Growth
Q4FY10 Q4FY09 YoY
Growth(%)
Q3FY10 Growth
Over
Dec09
Deposits 1,62,107 1,31,272 23.5 1,55,648 4.14
Loans&
Advances
1,07,118 86,740 23.5 91,074 17.61
BusinessMix 2,69,225 2,18,012 23.5 2,46,722 9.12
Investments 52,008 44,446 17 54,338 (4.28)
Rs in crore
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Deposits
43792
55834
87480
106273
CASA
Deposits
Term
Deposits
FY09 FY10
Rs in crore
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Distribution of Deposits
12%
55%
14%
19%
Rural SemiUrban Urban Metropolitan
90455Metropolitan
29990Urban
22533Semi-Urban
19129Rural
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Segment-wise DepositsDeposits Q4FY10 Q4FY09 YOY
Growth%
Q3FY10 QOQ
Growth%
Current 15071 10112 49.0 9424 59.92
Savings 40763 33680 21.0 37170 9.66
TotalCASA 55834 43792 27.5 46594 19.83
Term 106273 87480 21.5 109054 (2.55)
Total
Deposits
162107 131272 23.5 155648 4.14
Rs in crore
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SegmentWiseLoansAndAdvances( Rs. Crore)
TypeofAdvance 200910
Q4/FY
(Ason
31032010)
200809
Q4/FY
(Ason
31032009)
YoY
Growth
(%)
TotalLoans&
Advances
107118 86740 23.5
CorporateCredit 67835 55244 22.8
Agriculture 18309 14139 29.5
DirectAgriculture 11607 8955 29.6
Indirect
Agriculture 6702 5184 29.3
MSME 9784 8287 18.1
RetailCredit 11190 9070 23.4
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Retail Advances Portfolio
4422
857
3791
5318
1189
4683
Housing Education Others
FY09 FY10
Rs in crore
%GrowthQ4FY09Q4FY10Category
23.5237914683Others
38.738571189Education
20.2644225318Housing
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ProfitabilityQ4FY10 Q4FY09 QoQ
Growth
(%)
FY0910 FY0809 YoY
Growth
(%)
GrossIncome 3724 3150 18.20 13799 11525 19.70
Gross
Expenses
3130 2696 16.10 11741 10088 16.38
Operating
Profit594 455 30.50 2058 1437 43.20
NetProfit 171 63 173.65 1058 571 85.25
NIM(%) 1.81 1.43 1.86 1.97
NetInterest
Income
664 433 53.30 2545 2228 14.20
NonInterest
Income
569 503 13.10 1735 1070 62.10
Rs in crore
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Profitability Indicators
Parameters (%)Q4FY10 Q4FY09 FY0910 FY0809
YieldonAdvances 9.59 10.00 9.82 10.19
Yieldon
Investments 6.75 6.35 6.74 6.89
CostofDeposits 6.08 7.05 6.29 6.90
CosttoIncomeRatio 51.81 51.46 51.91 56.44
NonInterest
Income/
TotalIncome
15.28 15.97 12.57 9.28
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Other IncomeQ4FY10 Q4FY09 YoY
Growth
(%)
FY
0910
FY
0809
Growth
(%)
Commission,Exchangeand
Brokerage
206.53 140.51 46.98 573.54 441.95 29.77
TradingProfit
OnInvestments
166.94 293.04 (43.03) 772.38 409.76 88.49
RecoveryIn
WrittenOff
Accounts
126.78 39.61 220.10 242.82 84.07 188.83
OtherIncome 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
Rs in crore
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Investments: ClassificationQ4FY10 %of
TotalPortfolio
Q4FY09 %ofTotal
Portfolio
SLR 46243 88.91 39440 88.73NonSLR 5765 11.09 5006 11.27
Total 52008 100 44446 100
HeldForTrading 535 1.02 12 0.02
AvailableForSale 13925 26.79 14953 33.66
HeldToMaturity 37548 72.19 29481 66.32
Shiftingof
Securities
AFStoHTM 2197.32 3036.82
HTMtoAFS 66.08
Rs in crore
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FY200910 FY200809
ReturnonAvg Assets(%) 0.66 0.45
EarningsperShare(Rs.) 24.65 12.17
Returnon
Equity
(%) 24.27 16.40
Key Performance Indicators
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Stressed Asset MovementFY200910 FY200809
GrossNPAs:Opening on1st April 2443 2470
Add:Slippages 1033 873
Less:Deductions
1.WriteOff 294 359
2.Upgradation 177 233
3.Recoveries 407 308
GrossNPAs 2458 2316
GrossCredit 107118 86740
GrossNPA
as
%
of
GBC 2.29 2.67
NetAdvances 105383 85935
NetNPA 727 1063
Net
NPA
as
%
of
Net
Advances 0.69 1.24
Rs in crore
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Stressed Asset Details
Q4FY10 Q4FY09
GrossAdvances 107118 86740
Standard 104660 84423
SubStandard 783 590
Doubtful 1459 1657
Loss 216 69
Provisions 1731 1253
Provision
Coverage%70.32 54.32
Rs in crore
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ProvisionsQ4FY10 Q4FY09 FY0910 FY0809
Taxation 131.48 44.75 491.31 353.73
NPA(excludingadhoc
provisionforStandard
Assets)
174.21 267.83 288.40 322.34
StandardAssets 29.92 (4.75) 29.92 44.84
Depreciation/Provisionon
Investments
6.73 33.03 64.79 90.53
Others(Frauds,
RestructuredAdv.etc.)
80.63 51.17 125.86 54.06
Total 422.97 392.03 1000.28 865.50
Rs in crore
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Asset
Quality:
Improved
Performance
3.162.67
2.291.45
1.24 0.69
00.5
11.52
2.53
3.5
2008 2009 2010
NPA % to Advances
Gross NPA
Net NPA
TotalRecoveryincreasedfromRs.308Croresin200809toRs.407Croresin
200910.
StepstakentoimproveRecoveryduringtheyear
i) Openingof8AssetRecoveryBranches
ii)RecoveryfromWrittenOffAccountsisRs.243Crores.
iii)FocusonRecoveryCampsincludingLokAdalatsforsmallvalueNPAs
8634RecoverycampsheldandRs.103Croresrecovered
iv)153
OTS
proposals
were
sanctioned
amounting
to
Rs.397
Crores.
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Capital Adequacy (%)
13.1212.24
6.97 6.836.15 5.41
CRAR Tier I Tier II
Q4FY09 Q4FY10
Period FY0910 FY0809
BaselI
CRAR 10.82 11.75
TierI 6.04 6.24
TierII 4.78 5.51
BaselII
CRAR 12.24 13.12
TierI 6.83 6.97
TierII 5.41 6.15
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Shareholding Pattern as on March 2010
GovernmentofIndia 80.20FIs 9.08FIIs 4.96InsuranceCos. 0.23OtherBodyCorp. 0.68Public 4.85
100.00
Shareholding Pattern
80.20
9.08
4.96
0.23
0.68
4.85
GovernmentofIndiaFIsFIIsInsuranceCos.OtherBodyCorp.Public
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New Initiatives
GroupLife
Insurance
for
Home
Loan
Borrowers
GroupLifeInsurance forEducationLoanBorrowers
InsurancecoverforDomesticTradeCreditReceivables
Introductionof
Centralised
Credit
Processing
Centre
(CCPC)
ToimplementCCPCatother13centersinFY201011
OnlineapplicationforvariousRetailproducts
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LaunchednewRetailproducts:
CentDoctor MedicalProfessionals
CentSwabhimanPlus ForSeniorCitizen
CentPersonalGoldLoanScheme forpersonalexigencies
Schemefor
financing
Executive
MBA
For
working
Executives
RecurringDepositwithPersonalAccidentCover
TREASURYANDINVESTMENT
OperationsinCurrencyFutures&InterestRateFutures
OperationsstartedinOIS.
LaunchedeTreasury
New Initiatives
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Tie-ups
Tie-up with a retail chain group forincreasing 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
Founder:SirSorabji
Pochkhanawala(18811937)
In memory of our founder Sir Sorabji
Pochkhanawala, the Bank has instituted an
annual
Lecture
Series,
commencing
from
200910,its99th year,byeminentpersons.
ThefirstsuchlecturewasdeliveredbyH.E.KamaleshSharma,Commonwealth
SecretaryGeneral,onMarch31st,2010onTheEmergingGlobalOrderandThe
Commonwealth
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Corporate Social Responsibility Initiative
Implementation of Youth Finance Facility in
collaboration
with
Commonwealth
Secretariat
in
4backward districts. Aim is to provide integrated
financial assistance for youth for setting up microenterprise.
Technical
Assistance
through
capacity
building
on
MicrofinanceinSt.LuciainWestIndies.
Organized inclusive and integrated programme on
Small
Business
Competitiveness
Development
Programme in Jaipur jointly with Commonwealthsecretariat.
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Awards&
Accolades
for
Bank
in
2009
10
SKOCH Challenger Award
For Best Business Model
2010 IMM Award forExcellence as EminentOrganization
National Award for BestBank 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 ) forsecond year in succession
In recognition of Banks Technologyadaption, Bank has been awarded with BestCustomer Technology Award in the PSU Bankcategory by IBA-TFDI in January, 2010
Among Top 5 Most Trusted Banks by asurvey conducted by AC Nielsen andEconomic Times
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