Central Bank of India Analyst Presentation Reviused

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FINANCIAL RESULTS FOR THE QUARTER ENDED 31ST DECEMBER 2009.
%
CENTRAL BANK OF INDIA
Presentation to Analyst February 02 ,2010

Performance Highlights
Q3 FY10 Net Interest Income Non Interest Income Operating Revenue Operating Profit Net Profit Net Interest Margin Cost of Funds 8.7% 17.0% 15.0% 26.5% 13.3% 2.04% 6.16% 9M FY10 4.8% 105.2% 14.1% 49.1% 74.4% 1.84% 6.38%
1
Bank With Pan India Presence

499 (14%)
954 (27%) 748 (21%)
750 (21%)
125 (3%)
483 (14%)

Demographic Distribution of Branches

Rural Semi Urban Urban Metropolitan
19%
17%
25%
39%

Brick & Mortar Presence

Total Branches Rural Semi Urban Urban Metropolitan ATMs CBS Branches Zonal Offices Regional Offices Number of RRBs Total Number of RRB Branches 3559 1379 894 681 605 400 1223 16 78 8 1734

Business Growth
Rs. in crore
Q3 Y 9
3 %
55648 878
Q3 Y
%
8 467 9 74
eposi s
Advances

Business Growth
Rs in crore
Q3F 10
Q3F 0
o Growth (%)
F 0
Growth O er Mar 0 1 . 0% .00%
Deposits Loans & Ad ances Business Mix In estments
1,
, 1,0
1,1 , 1,
31.03 11. 0
1,31,2 2 , 0
2,
, 22 ,338
2,00,2 37,02
23.21 .80
2,1 ,012 ,
13.1 % 22.30%

Deposits
9 54
Rs in crore
77 69 46594 4 5 3
Q3 Q3
S p s s
T p s s

Distribution of Deposits
Rural Semi-Urban Urban
13% 13% 55% 19%
Metropolitan

Segment-wise Deposits
Rs in crore
Deposits
Q3F 10
O Growth %
Q3F 0
O Growth %
Current Sa ings Total CASA Term Total Deposits
2 37170 6594 109054 155648
(2. 0) 1 .7 12.2 41.1 31.0
2 31861 41513 77269 118782
17. 11. 12.6 28.3 22.4

Loans & Advances

Rs in crore
Q3F 10
Q3F 09
YoY Growth (%) 11.8 9.2 14.8 16.6 14.5 38.6 14.4
FY09
YoY Growth (%) 5.0 3.6 4.8 13.4 13.7 26.3 10.2
Total Loans & Ad ances - Corporates & Others - Priority Sector - Retail -Housing -Education -Others
91,074 50,060 (55.0%) 30,731 (33.8%) 10,283 (11.3%) 5026 1082 4175
81,467 45,868 (56.3%) 26,778 (32.9%) 8821 (10.9%) 4391 781 3649
86,740 48,338 (55.72%) 29332 (33.81%) 9070 (10.45%) 4422 857 3791

Retail Advances Portfolio

Rs in crore
Q3FY09
5026 4391 3649
Q3FY10
4175
781
1082
Housing
Education
Others
Profitability
Q3FY10 Q3FY09 QoQ Growth (%) 15.23 13.20 26.43 (13.25) 8.71 17.00 9MFY10
Rs in crore
9MFY09
YoY Growth (%) 20.30 16.48 49.10 74.38 4.82 105.72
Gross Income Gross Expenses Operating Profit Net Profit NIM (%) Net Interest Income Non Interest Income
3495.42 2905.66 589.76 306.45 2.04 730.51 364.12
3033.41 2566.95 466.46 353.26 2.37 671.94 311.19
10075.60 8611.11 1464.49 887.17 1.85 1881.65 1166.30
8374.83 7392.63 982.20 508.73 2.16 1795.04 566.92

Profitability Indicators
(%)
Q3FY10
Q3FY09
9MFY10
9MFY09
FY 2008-09
Yield on Ad ances Yield on In estments Cost of Deposits Cost to Income Ratio Non-Interest Income/ Total Income Cost of Funds Yield on Funds
9.82 6.72 6.10 46.21
10.46 7.14 6.89 52.55
9.89 6.70 6.34 51.95
10.23 7.03 6.82 58.42
10.19 6.89 6.90 56.44
10.41 6.16 8.81
10.25 6.94 9.61
11.57 6.38 8.84
6.76 6.83 9.38
9.28 6.94 9.24

ost-Income Ratio
62.82 56.44 55.22 46.21
Q4FY
Q1FY10
Q2FY10
Q FY10

Other Income
Rs in crore
Q3FY10
Q3FY09
9MFY10 YoY Growth (%) 22.34 367
9MFY09
Growth (%)
Commission, Exchange and Brokerage Trading Profit On In estments Reco ery In Written Off Accounts Other Income Total
115
94
301
21.92
175 33
161 12
8.7 175
605 116
117 45
209 157.8
41 364
44 311
(6.81) 17.04
78 1166
104 567
(25) 105.64

Investments: Classification
Rs in crore
Q3FY10 SLR Held For Trading A ailable For Sale Held To Maturity Non-SLR Total Shifting of Securities AFS to HTM HTM to AFS 1175 32.15 48864 688 14816 38834 5474 54,338
% of Total Portfolio 89.92 1.26 27.26 71.46 10.08 100
Q3FY09 30707 5 9803 27217 6318 37,025
% of Total Portfolio 82.94 0.01 26.48 73.51 17.06 100
1142.73 0
Key Performance Indicators

9MFY10 Return on A g Assets (%) Earnings per Share (Rs.) Return on Equity (%) 0.76 21.95 18.63
9MFY09 0.54 12.58 12.06
Shareholding Pattern as on December 2009

2.56 4.85 0.81 0.23 4.82 6.53 80.20
Shareholding
Gov India FI s FII s
of
Insurance Cos. Other Body Corp. Public Others
Government of India FI s FII s Insurance Cos. Other Body Corp. Public Others
80.20 6.53 4.82 0.23 0.81 4.85 2.56

NPA Movement
Rs in crore
9MFY10
Gross NPAs:Opening on 1st April Add:Additions Less:Deductions 1.Write Off 2.Upgradation 3.Reco eries Gross NPAs Gross Credit Gross NPA as % of GBC Net Ad ances Net NPA Net NPA as % of Net Ad ances 3 133 245
9MFY09
2443
542
2470
340
1 203 208
2477
91074 2.72 89252
2288
81467 2.81 80120
661
0.74
945
1.18

NPA Details
Rs in crore
Q3FY10 Gross Ad ances Standard Sub-Standard Doubtful Loss Pro isions NPA Co erage %
Q3FY09
FY09
91074
88596 688 1533 256 1816
81467
79179 466 1648 174 1343
86740
84423 590 1658 69 1253
73.33
58.70
54.32

Provisions
Rs in crore Q3FY10 Q3FY09 9MFY10 9MFY09
Taxation NPA (excluding adhoc pro ision for Standard Assets) Standard Assets Depreciation/Pro ision on In estments Others (Frauds, Restructured Ad . etc.) Total
104 16
210 11
360 114
309 55
0 144 19 283
5 (115) 2 113
0 58 45 577
4 57 3 473

Restructured Assets
Rs in crore Sr. No. Details of Restructured Accounts Accounts Amount Amt of Pro isions
March 2008-09 April-June 2009 July-Sept 2009 Oct-Dec 2009

Total
34861 1461 1443 100

37865 8
2013.15 1664.32 351.82 28.72

4058.01 6.3
46.18 5.78 10.40 0.76

63.12
NPA out of Restructured Accounts

Capital Adequacy (%)

Period 9MFY10 9MFY09 Basel I CRAR
Q3FY09 12.58 10.43 7.14 5.68 4.95 5.44 Q3FY10
FY 2008-09
11.83 6.71 5.12
10.02 5.35 4.67 Basel II
11.75 6.24 5.51
Tier I Tier II
CRAR Tier I Tier II
12.58 7.14 5.44
10.43 5.68 4.95
13.12 6.97 6.15
CRAR
Tier I
Tier II
New Initiatives
TECHNOLOGY INITIATIVES
Phase I of CBS completed with 1200 branches under CBS, which constitute 80% of the Banks business. Remaining Branches to come under CBS by end of fiscal year 2010-11 Implementation of IT based Financial Inclusion in four districts-the Biometric Smart Card SMS Alerts for all account holders Currently the Bank has 400 ATMs and is planning to add 1500 more by the end of 2010-11. Pre Activated Debit Card

Co a 's e lo -cost a eas -to- se esig tool ill el e tre re e rs s iff
e -site t eir o li e.
New Initiatives
TECHNOLOGY INITIATIVES
Online trading Portal
3D secure code for online credit transactions.
Internet Banking, Both for Retail as well as Corporate Clients Auto Debit Facility introduced for payment of bills. E-Tax has been introduced through e-banking New SWIFT Alliance Messenger has been implemented

New Initiatives
HR INITIATIVES Recruiting young and dynamic professionals to bring the Average Age of the employees down Regular Training for Senior Management from reputed Industry Experts STRATEGIC INITIATIVES Organisational Restructuring: The bank has created a Large Corporate Vertical and is in process of forming Mid Corporate Vertical The move is aimed to speed up the Loan/Advances sanctioning process. Formed Asset Recovery Branches Centralised Credit Processing Centre for Retail Loans.
""
) !& ! & " ! " ! ) $ " % $ $ " #" ! ( ' & # %"
Awards Received in 2009-10
Best Education Loan Provider Award (Outlook Money NDTV Profit Awards ) for second year in succession
In recognition of Banks Technology adaption, Bank has been awarded with Best Customer Technology Award in the PSU Bank category by IBA-TFDI in January, 2010
22
9 16 1 6 2 1 2 1 9 4 2 5 4 4 2 32 10 8 7 6 3 52


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POWER POINT TEMPLATE

FINANCIAL RESULTS FOR THE QUARTER ENDED 31ST DECEMBER 2009.

POWER POINT TEMPLATE

POWER POINT TEMPLATE

Bank With Pan India Presence

954 (27%) 748 (21%)

POWER POINT TEMPLATE

Demographic Distribution of Branches

POWER POINT TEMPLATE

Brick & Mortar Presence

POWER POINT TEMPLATE

POWER POINT TEMPLATE

Growth O er Mar 0 1 . 0% .00%

Deposits Loans & Ad ances Business Mix In estments

POWER POINT TEMPLATE

POWER POINT TEMPLATE

POWER POINT TEMPLATE

Current Sa ings Total CASA Term Total Deposits

2 37170 6594 109054 155648

(2. 0) 1 .7 12.2 41.1 31.0

2 31861 41513 77269 118782

17. 11. 12.6 28.3 22.4

POWER POINT TEMPLATE

Loans & Advances

POWER POINT TEMPLATE

Retail Advances Portfolio

POWER POINT TEMPLATE

YoY Growth (%) 20.30 16.48 49.10 74.38 4.82 105.72

3495.42 2905.66 589.76 306.45 2.04 730.51 364.12

3033.41 2566.95 466.46 353.26 2.37 671.94 311.19

10075.60 8611.11 1464.49 887.17 1.85 1881.65 1166.30

8374.83 7392.63 982.20 508.73 2.16 1795.04 566.92

POWER POINT TEMPLATE

9.82 6.72 6.10 46.21

10.46 7.14 6.89 52.55

9.89 6.70 6.34 51.95

10.23 7.03 6.82 58.42

10.19 6.89 6.90 56.44

10.41 6.16 8.81

10.25 6.94 9.61

11.57 6.38 8.84

6.76 6.83 9.38

9.28 6.94 9.24

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9MFY10 YoY Growth (%) 22.34 367

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% of Total Portfolio 89.92 1.26 27.26 71.46 10.08 100

Q3FY09 30707 5 9803 27217 6318 37,025

% of Total Portfolio 82.94 0.01 26.48 73.51 17.06 100

POWER POINT TEMPLATE

Key Performance Indicators

9MFY09 0.54 12.58 12.06

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Shareholding Pattern as on December 2009

Gov India FI s FII s

Insurance Cos. Other Body Corp. Public Others

80.20 6.53 4.82 0.23 0.81 4.85 2.56

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March 2008-09 April-June 2009 July-Sept 2009 Oct-Dec 2009