BANK PERFORMANCE&

PROFITABILITY ANALYSIS

GROUP -7

HITESH GIROTRA (2013119)

JATIN AGARWA (2013123)

MEET SABARWAL (2013149)

MRIGANG SAURABH DWIVEDI (2013158)

NAVYA MUKHI (2013162)

Balance Sheet ParametersYear 31-03-2011 31-03-2012 31-03-2013 31-03-2014Deposits 139054 155964 175897 193488

Growth/change(YOY) 32.45% 12.16% 12.78% 10.00%

Advances 96839 111977 130186 140765

Growth 15.03% 16.76% 15.16% 8.13%

Total business mix (deposits+advances) 235893 267941 306083 334253Growth 15.38% 14.04% 13.78% 9.20%CASA ratio (CASA/Total deposits) 0.25 0.24 0.25 0.24Shareholders’ equity 292 292 292 299

TOTAL ASSETS 161343 178130 200697 220302

Balance Sheet ParametersYear 31-03-2011 31-03-2012 31-03-2013 31-03-2014Deposits 131887 159593 178742 190843Growth/change(YOY) 24.36 21.01 12 6.77Advances 94571 112250 130936 138007Growth 30.56 18.69 16.65 6.57Total business mix (deposits+advances) 226458 271843 309678 328850Growth 26.87 20.04 13.92 6.19CASA ratio (CASA/Total deposits) 33.50% 30.50% 30.30% 31.20%Shareholders’ equity 7642.92 9646.88 11352.52 11800.73TOTAL ASSETS 1512863.609 182934.5678 204373.1889 220434.28

ORIENTAL BANK OF COMMERCE

ALLAHABAD BANK

BALANCE SHEET PARAMETERS

0.00%

5.00%

10.00%

15.00%

20.00%

25.00%

30.00%

35.00%

1/1/2011 1/1/2012 1/1/2013 1/1/2014

Deposits Growth/change(YOY)

0

5

10

15

20

25

1/1/2011 1/1/2012 1/1/2013 1/1/2014

Deposits Growth/change(YOY)

ORIENTAL BAK OF COMMERCE

ALLAHABAD BANK

0.234

0.236

0.238

0.24

0.242

0.244

0.246

0.248

0.25

1/1/2011 1/1/2012 1/1/2013 1/1/2014

CASA ratio (CASA/Total deposits)

28.50%

29.00%

29.50%

30.00%

30.50%

31.00%

31.50%

32.00%

32.50%

33.00%

33.50%

1/1/2011 1/1/2012 1/1/2013 1/1/2014

CASA ratio (CASA/Total deposits)

ORIENTAL BANK OF COMMERCE

ALLAHABAD BANK

0.00%

2.00%

4.00%

6.00%

8.00%

10.00%

12.00%

14.00%

16.00%

18.00%

1/1/2011 1/1/2012 1/1/2013 1/1/2014

Advances Growth (YOY)

ORIENTAL BANK OF COMMERCE

0

5

10

15

20

25

30

35

1/1/2011 1/1/2012 1/1/2013 1/1/2014

Advances Growth (YOY)

ALLAHABAD BANK

Asset Quality RatioYear 31-03-2010 31-03-2011 31-03-2012 31-03-2013Gross loans or Credit 83489 96839 111977 130186Gross NPA 1468.75 1920.54 3580.49 4183.96NPA provisions 744.93 982.39 1121.46 1281.3Net NPA (2-3) 723.82 938.15 2459.03 2902.66Net loan or credit (1-3) 82744.07 95856.61 110855.54 128904.7Gross NPA ratio (Gross NPA to Gross Credit)= 2/1 0.01 0.01 0.03 0.03Net NPA ratio (Net NPA to Net Credit) = 4/5 0.08 0.09 0.02 0.02Povision Coverage Ratio (PCR) = 3/2 0.5 0.51 0.31 0.3

Asset Quality RatioYear 31-03-2010 31-03-2011 31-03-2012 31-03-2013Gross loans or Credit 71604 94571 112250 130936Gross NPA 1221.8 1647.92 2058.98 5136.99NPA provisions 751.65 911.55 967.28 1010Net NPA (2-3) 470.15 736.37 1091.7 4126.76Net loan or credit (1-3) 70852.35 93659.45 111282.72 129926Gross NPA ratio (Gross NPA to Gross Credit)= 2/1 0.017 0.0174 0.0183 0.0392Net NPA ratio (Net NPA to Net Credit) = 4/5 0.0066 0.0078 0.0098 0.0317Povision Coverage Ratio (PCR) = 3/2 0.6151 0.5531 0.4697 0.1966

ORIENTAL BANK OF COMMERCE

ALLAHABAD BANK

ORIENTAL BANK OF COMMERCE

0

0.1

0.2

0.3

0.4

0.5

0.6

1 2 3 4

Asset Quality Ratio

Gross NPA ratio (Gross NPA to Gross Credit)= 2/1 Net NPA ratio (Net NPA to Net Credit) = 4/5

Povision Coverage Ratio (PCR) = 3/2

0

0.1

0.2

0.3

0.4

0.5

0.6

0.7

1/1/2010 1/1/2011 1/1/2012 1/1/2013

Asset Quality Ratio

Gross NPA ratio (Gross NPA to Gross Credit)= 2/1

Net NPA ratio (Net NPA to Net Credit) = 4/5

Povision Coverage Ratio (PCR) = 3/2

ALLAHABAD BANK

PERFORMANCE & PROFITABILITY RATIOPerformance and Profitability RatioYear 31-03-2010 31-03-2011 31-03-2012 31-03-2013

NIM 2908 4177 4215 4701

Cost to income ratio 0.2782 0.2969 0.2785 0.219

% of Non interest income to Total operating income 10.474 7.358 7.271 8.544

Overhead efficiency (Non Int. Income/Non Int. Exp.) 0.4036 0.2641 0.2874 0.329

Efficiency Ratio (Non Int. Exp/(Net Int. Income + Non Int. Income)

0.2595 0.2786 0.2529 0.2594

ROA (AU*NPM) 0.891 1.044 0.68 0.685

AU 0.09 0.09 0.1 0.1

NPM 9.9 11.6 6.8 6.85

ROE (ROA*EM) 489.804 578.838 416.249 472.431

EM (A/E) 549.724 554.443 612.131 689.68

Performance and Profitability RatioYear 31-03-2010 31-03-2011 31-03-2012 31-03-2013

NIM 3.71 3.63 3.62 2.52

% of Non interest income to Total operating income 15.32 11.06 7.71 7.8

Overhead efficiency (Non Int. Income/Non Int. Exp.) 51.18 34.52 28.24 28.61

Efficiency Ratio (Non Int. Exp/(Net Int. Income + Non Int. Income) 0.29 0.32 0.27 0.27

ROA (AU*NPM) 131.73 160.5 192.92 227.04

AU 0.09 0.09 0.1 0.09

NPM 12.71 12.15 11.68 6.65

ROE (ROA*EM) 35943.84 51010.11 70581.71 92800.32

EM (A/E) 272.86 317.82 365.86 408.74

ORIENTAL BANK OFCOMMERCE

0

500

1000

1500

2000

2500

3000

3500

4000

4500

5000

1/1/2010 1/1/2011 1/1/2012 1/1/2013

NIM

0

0.5

1

1.5

2

2.5

3

3.5

4

1/1/2010 1/1/2011 1/1/2012 1/1/2013

NIM

ALLAHABAD BANK

ORIENTAL BANKOF COMMERCE

0

2

4

6

8

10

12

1/1/2010 1/1/2011 1/1/2012 1/1/2013

NPM

0

2

4

6

8

10

12

14

1/1/2010 1/1/2011 1/1/2012 1/1/2013

NPM

ALLAHABAD BANK

ORIENTAL BANKOF COMMERCE

0

0.2

0.4

0.6

0.8

1

1.2

1/1/2010 1/1/2011 1/1/2012 1/1/2013

ROA (AU*NPM)

0

50

100

150

200

250

1/1/2010 1/1/2011 1/1/2012 1/1/2013

ROA (AU*NPM)

ALLAHABAD BANK

ORIENTAL BANKOF COMMERCE

0

100

200

300

400

500

600

1/1/2010 1/1/2011 1/1/2012 1/1/2013

ROE (ROA*EM)

0

10000

20000

30000

40000

50000

60000

70000

80000

90000

100000

1/1/2010 1/1/2011 1/1/2012 1/1/2013

ROE (ROA*EM)

ALLAHABAD BANK

Productivity Ratio

Year 31-03-2010 31-03-2011 31-03-2012 31-03-2013

Avg. profit per employee (Net Income/avg. no. of employees) 0.74 0.78 0.92 1.02

Avg. business per employee (Bus. Mix/ avg. no. of employees) 13.31 14.2 16.12 16.2

Avg. profit per branch 0.75 0.92 0.64 0.66Avg. business per branch 135.11 145.61 151.2 153.04

ORIENTAL BANK OF COMMERCE

ALLAHABAD BANK

Productivity Ratio

Year 31-03-2010 31-03-2011 31-03-2012 31-03-2013

Avg. profit per employee (Net Income/avg. no. of employees) 0.05 0.06 0.08 0.05

Avg. business per employee (Bus. Mix/ avg. no. of employees) 7.87 10.03 12.05 13.72

Avg. profit per branch 0.52 0.58 0.74 0.43Avg. business per branch 77.71 93.77 108.04 114.01

ALLAHABAD BANK

0

0.1

0.2

0.3

0.4

0.5

0.6

0.7

0.8

1/1/2010 1/1/2011 1/1/2012 1/1/2013

Prodcutivity Ratio

Avg. profit per employee (Net Income/avg. no. of employees) Avg. profit per branch

Solvency Ratios

Year 31-03-2010 31-03-2011 31-03-2012 31-03-2013

Tier-1 capital N.A. 11019 11901 12613

Tier-2 capital N.A. 2971 3016 3928

Total capital funds (T-1 + T-2) N.A. 13990 14917 16541

CAR or CRAR (Basel-1) N.A. 12.30% 11.01% 8.78%

CAR or CRAR (Basel-2) N.A. 14.23% 12.69% 10.12%

Solvency Ratios

Year 31-03-2010 31-03-2011 31-03-2012 31-03-2013

Tier-1 capital 6175 7897 9912 10749

Tier-2 capital 4189 4045 4023 3973

Total capital funds (T-1 + T-2) 10364 11942 13935 14824

CAR or CRAR (Basel-1) 8.12 8.57 9.13 8.05

CAR or CRAR (Basel-2) 5.1 4.39 3.71 2.98

OREIENTAL BANK OF COMMERCE

ALLAHABAD BANK

ORIENTAL BANK OFCOMMERCE

0.00%

2.00%

4.00%

6.00%

8.00%

10.00%

12.00%

14.00%

16.00%

1/1/2011 1/1/2012 1/1/2013

Solvency Ratios

CAR or CRAR (Basel-1) N.A. CAR or CRAR (Basel-2) N.A.

0

1

2

3

4

5

6

7

8

9

10

1/1/2010 1/1/2011 1/1/2012 1/1/2013

Solvency Ratios

CAR or CRAR (Basel-1) CAR or CRAR (Basel-2)

ALLAHABAD BANK

THANK YOU!!!