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FINANCIAL RESULTS FOR THE QUARTER ENDED 31ST DECEMBER 2009.

%
CENTRAL BANK OF INDIA
Presentation to Analyst February 02 ,2010

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Performance Highlights
Q3 FY10 Net Interest Income Non Interest Income 8.7% 17.0% 9M FY10 4.8% 105.2%

Operating Revenue
Operating Profit

15.0%
26.5%

14.1%
49.1%

Net Profit
Net Interest Margin Cost of Funds

13.3%
2.04% 6.16%

74.4%
1.84% 6.38%
1

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Bank With Pan India Presence

499 (14%)

Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online.

954 (27%) 748 (21%)

750 (21%)

125 (3%)

483 (14%)

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Demographic Distribution of Branches

Rural Semi Urban Urban Metropolitan

19%

17%

25%

39%

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Brick & Mortar Presence

Total Branches 3559

Rural
Semi Urban Urban Metropolitan ATMs CBS Branches Zonal Offices Regional Offices Number of RRBs Total Number of RRB Branches

1379
894 681 605 400 1223 16 78 8 1734

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Business Growth
Rs. in crore

Q3FY09
31%
155648 118782

Q3FY10
12%
81467 91074

Deposits

Advances

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Business Growth
Rs in crore

Q3FY10

Q3FY09

YoY Growth (%) 31.03 11.80

FY09

Growth Over Mar09 18.60% 5.00%

Deposits Loans & Advances

1,55,648 91,074

1,18,782 81,467

1,31,272 86,740

Business Mix
Investments

2,46,722
54,338

2,00,249
37,025

23.21
46.80

2,18,012
44,446

13.17%
22.30%

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Deposits
109054
Rs in crore

77269 46594 41513

Q3FY09 Q3FY10

CASA Term Deposits Deposits

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

Metropolitan

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Segment-wise Deposits
Deposits Q3FY10 YOY Growth % Q3FY09

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Rs in crore

YOY Growth %

Current
Savings Total CASA

9424
37170 46594

(2.40)
16.7 12.2

9652
31861 41513

17.4
11.4 12.6

Term
Total Deposits

109054
155648

41.1
31.0

77269
118782

28.3
22.4

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Loans & Advances

Q3FY10 Q3FY09 YoY Growth (%) 11.8 9.2 14.8 16.6 14.5 38.6 14.4

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Rs in crore

FY09

YoY Growth (%) 5.0 3.6 4.8 13.4 13.7 26.3 10.2

Total Loans & Advances - 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

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Retail Advances Portfolio

Q3FY09
5026 4391 3649 4175

Q3FY10

Rs in crore

781

1082

Housing

Education

Others

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Profitability
Q3FY10 Q3FY09 QoQ Growth (%) 15.23 13.20 26.43 (13.25) 8.71 17.00 9MFY10

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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

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Profitability Indicators
(%) Yield on Advances Yield on Investments Q3FY10 Q3FY09 9MFY10 9MFY09 FY 2008-09

9.82 6.72

10.46 7.14

9.89 6.70

10.23 7.03

10.19 6.89

Cost of Deposits
Cost to Income Ratio Non-Interest Income/ Total Income Cost of Funds Yield on Funds

6.10
46.21 10.41 6.16 8.81

6.89
52.55 10.25 6.94 9.61

6.34
51.95 11.57 6.38 8.84

6.82
58.42 6.76 6.83 9.38

6.90
56.44 9.28 6.94 9.24

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Cost-Income Ratio
62.82 56.44 55.22 46.21

Q4FY09

Q1FY10

Q2FY10

Q3FY10

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Other Income
Q3FY10 Q3FY09 YoY 9MFY10 Growth (%) 22.34 367

Rs in crore

9MFY09

Growth (%)

Commission, Exchange and Brokerage Trading Profit On Investments Recovery 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

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Investments: Classification
Q3FY10 % of Total Portfolio Q3FY09

Rs in crore

% of Total Portfolio

SLR
Held For Trading Available For Sale Held To Maturity Non-SLR Total Shifting of Securities AFS to HTM

48864
688 14816 38834 5474 54,338

89.92
1.26 27.26 71.46 10.08 100

30707
5 9803 27217 6318 37,025

82.94
0.01 26.48 73.51 17.06 100

1175

1142.73

HTM to AFS

32.15

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Key Performance Indicators

9MFY10 Return on Avg Assets (%) Earnings per Share (Rs.) Return on Equity (%) 0.76 21.95 18.63

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9MFY09 0.54 12.58 12.06

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Shareholding Pattern as on December 2009

2.56 4.85 0.81 0.23 4.82 6.53 80.20

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Shareholding

Government of India FI s FII s 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

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NPA Movement
Rs in crore

9MFY10
Gross NPAs:Opening on 1st April Add:Additions Less:Deductions

9MFY09

2443
542

2470
340

1.Write Off 2.Upgradation

3.Recoveries Gross NPAs Gross Credit Gross NPA as % of GBC

3 133
245

1 203
208

2477
91074 2.72

2288
81467 2.81

Net Advances Net NPA

Net NPA as % of Net Advances

89252

80120

661
0.74

945
1.18

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NPA Details
Rs in crore

Q3FY10

Q3FY09

FY09

Gross Advances
Standard Sub-Standard

91074
88596 688

81467
79179 466

86740
84423 590

Doubtful
Loss Provisions NPA Coverage %

1533
256 1816

1648
174 1343

1658
69 1253

73.33

58.70

54.32

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Provisions
Rs in crore Q3FY10 Q3FY09 9MFY10 9MFY09

Taxation

104

210

360

309

NPA (excluding adhoc provision for Standard Assets)

Standard Assets Depreciation/Provision on Investments

16

11

114

55

0 144

5 (115)

0 58

4 57

Others (Frauds, Restructured Adv. etc.)

Total

19
283

2
113

45
577

3
473

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Restructured Assets
Rs in crore Sr. No. Details of Restructured Accounts Accounts Amount Amt of Provisions

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

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Capital Adequacy (%)

Period 9MFY10 9MFY09 FY 2008-09

Basel I
CRAR
Q3FY09 12.58 10.43 7.14 5.68 4.95 5.44 Q3FY10

11.83 6.71 5.12

10.02 5.35 4.67 Basel II 10.43 5.68 4.95

11.75 6.24 5.51 13.12 6.97 6.15

Tier I Tier II CRAR Tier I Tier II

12.58 7.14 5.44

CRAR

Tier I

Tier II

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New Initiatives
TECHNOLOGY INITIATIVES
which constitute 80% of the Banks business.

Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online.

Phase I of CBS completed with 1200 branches under CBS, 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

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New Initiatives
TECHNOLOGY INITIATIVES
Online trading Portal

Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online.

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

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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.

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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

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Company's new low-cost and easy-to-use Web-site design tool will help entrepreneurs spiff up their online.