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CORPORATION BANK Head Office, Mangalore – 575 001

CORPORATION BANK Head Office, Mangalore – 575 001. Udupi - Heritage Museum & Financial Research Centre. Financial Highlights H1- FY2011-12. Contents of Presentation. An Overview of the Bank Performance Highlights I T initiatives Financial Inclusion &

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CORPORATION BANK Head Office, Mangalore – 575 001

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  1. CORPORATION BANK HeadOffice, Mangalore – 575 001 Udupi - Heritage Museum & Financial Research Centre Financial Highlights H1- FY2011-12

  2. Contents of Presentation • An Overview of the Bank • Performance Highlights • I T initiatives • Financial Inclusion & • New initiatives • Awards & Recognition • Looking forward 2

  3. The Bank • 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 holds a unique record of posting profits right from inception • Uninterrupted dividend payment track record since inception – Declared highest ever Dividend of 200% for FY2010-11 • A Mid sized Bank which is a leader in Technology Adoption and financial inclusion 3

  4. Time Line Bank crossed `200,000 crore of Total Business and declared highest ever 200% Dividend 2011 2006 Bank implemented Core Banking solutions at all branches 2006 Bank celebrated Centenary Year and crossed `50,000 crore of Total Business 2001 Bank Operationalised inter connected ATM network and launched Internet Banking facility 1998 Bank came out with IPO and was oversubscribed by 10.8 times 1991 First Bank to launch Cash Management Services Bank was Nationalised 1980 Head Office shifted to Mangalore 1961 1906 Established at Udupi in Karnataka State by ShriHaji Abdullah HajiBahadurSahebBahadur

  5. Sustained Business growth over last decade ` in Crore Total Business doubled in THREE years span and 8 times in 10 years

  6. Net Worth over last decade ` in Crore Net worth increased by 3.5 times over 10 years span

  7. Profit growth over last decade ` in Crore Operating Profit increased by 4 times in last decade & doubled in last 3 years span Net Profit increased by 4.5 times in last decade & almost doubled in last 3 years span

  8. Financials FY 2011-12 – Half year / Q2

  9. FY 2012 – Q2 Highlights 14.0% 22.1% 6.8% 46.4% FY 2012 Highlights - 6 months 44.4% 2.7% 9.8% 6.9% Growth % Y-O-Y

  10. Profitability (` in crore)

  11. Shareholder Returns (annualised)

  12. TOTAL BUSINESS Total business growth y-o-y `35,547 crore Total business growth y-o-y 21.32% Total business has almost doubled within a span of 3 years (` in crore)

  13. Deposits Portfolio ` in Crore • Depositsgrew at 24.45% y-o-y toreach`120,613 crore • AverageDepositsgrew at 29.84% toreach`114,320 crore • CASA grew at 8.41% y-o-y to`26,306 crore as on 30.09.11 (78.2%) 21.8% of Deposits

  14. Healthy growth of Credit ` in Crore • Advances portfolio achieved a steady growth. • Advances grew at 17% y-o-y to reach `81,634crore • Average advances grew at 28.68% y-o-y to reach `77,030crore • Major component of loan book was Large Industries (39.3) • SME advances grew by 57.4% y-o-y • Yield on advances increased to 11.46% as against 9.59% in H1 of FY2011

  15. Exposure to sensitive sector [` in Crore] * Capital market as % to Net worth of March 2011 **Guarantees on behalf of brokers Rs.421 crore, Advances against shares Rs.68 crore, advances to brokers Rs.10 crore

  16. Industry wise Credit exposure [` in Crore]

  17. Industry wise Credit exposure (contd..) [` in Crore] *Others include Info Park, SEZ, Construction relating to projects involving agro-processing / storage of agro products, etc.

  18. Retail lending [` in Crore]

  19. Priority Sector Lending [`in crore] * ANBC as on 31st March 2011 is Rs.86,850 crore

  20. Total Income ` in Crore

  21. Non-interest Income (` in crore)

  22. Fee Income – Core Areas (` in crore) Increase y-o-y 18.57%

  23. Total Expenses (` in crore) Break up of Salaries

  24. Net Interest Income (` in crore) NII for the last 5 years

  25. Income / Expenses Quarterly Comparison (` in crore)

  26. Break up of Provisions (` in crore) *Others include Rs. 16.87crore towards Sacrifice amount of Restructured Advances & Rs.2.51 crore towards others. Operating Profit after providing for Rs.55.30 crore towards 1/2 amount of amortised 2nd option pension liability and other AS15 provisions of Rs.85.70 crore.

  27. Capital adequacy CRAR UNDER BASEL II • Bank is well capitalised • CRAR 13.58% Government of India has contributed Rs.309 crore to equity capital in March 2011. Current year profit not reckoned for CRAR

  28. Key Ratios

  29. Key Ratios {Ratios annualised}

  30. Key Ratios – Quarterly Comparison

  31. Productivity Ratios [Rs. In lakhs]

  32. Investments [`In crore] • Investment growth (y-o-y) `23.69 crores • Average Investments growth (y-o-y) 16.91%

  33. Treasury Management

  34. Movement of NPAs `in Crores

  35. Sector wise NPAs `in Crores

  36. Sector wise Delinquency `in Crores

  37. Restructured Accounts (`in crores)

  38. Branch Network The Bank has 2 representative offices at Dubai & HongKong

  39. CHANDIGARH 4/6 HP 10/5 BRANCH NETWORK 30.09.2011 J&K 1/1 PUNJAB 39/32 DELHI74/133 UTTARAKHAND 7/5 ASSAM 5/1 SIKKIM 1/1 HARYANA 47/44 RAJASTHAN 29/22 UP 89/70 BIHAR 7/6 GUJARATH 69/59 TRIPURA 1/0 MADHYAPRADESH 28/24 INCREASING REACH 26 States and 3 U.T.s covered 2 Rep offices at Dubai & HongKong WB 41/36 DADRA 1/0 ORISSA 13/10 MAHARASHTRA 139/122 MEGHALAYA 2/1 JHARKHAND 6/5 GOA 46/26 ANDHRA 133/92 CHATTISGARH 14/8 KARNATAKA 347/364 P’CHERY 2/1 KERALA 79/49 TN 141/133

  40. Share holding pattern – 30.09.2011

  41. Information Technology Initiatives • Clientele base increased to 131.89 lakhs as at 30.09.11 from 110.52 lakhs as at 30.09.10 • All 1451 units under CBS – 100% of branches/offices under Core Banking • The Bank has operationalised and networked 1256 ATMs, across the country inclusive of 8 Biometric ATMs. • No. of Debit cards issued 5.45 million • 0.45 lakhs Campus Cards issued covering 93 institutions • 16077 POS Terminals have been installed at different merchant establishments all over the country. • Mobile Banking and SMS Banking operational with many value added services • VAT collection at Maharashtra, Gujarath, Andhra Pradesh and Goa are enabled • E-Stamping system launched in Delhi, Bangalore & Mangalore • First Bank to launch Tax-payment through ATM • Only Bank to facilitate payment of LIC premia through branches • First Bank to launch ASBA [Application supported by Blocked amount] • Sole Banker for TRAI for facilitating online registration of Telemarketers • Bank has introduced Interbank Mobile Payment Service [IMPS] to facilitate funds transfer across Banks using mobile phones

  42. Financial Inclusion – Branchless Banking • Bank has operationalised banking services in all 334 locations allocated by various SLBCs, 13 locations by way of Branch Model and 321 locations by way of BC Model, by 31st December 2010, 15 months ahead of the schedule i.e. 31.03.2012 • Branchless Banking operational in 2618 locations. Added 1210 new locations during the period from 01.10.2010 to 30.09.2011 • Total number of “no-frill” accounts stood at 13.88 lakhs and the CGCC cards issued was at 23726 • Bank has established a Trust, viz., GraminaAbhyudaya Financial Literacy and Credit counselling Trust to disseminate the banking knowledge to the people. It is proposed to open FLCCs in the lead districts viz., Chikmagalur, Kodagu and Ramnagar. • Bank has implemented Urban Financial Inclusion in 75 urban locations and branded it as Corp Shahari Vitthiya Samaveshana Kendra • Bank has set up a Financial Inclusion Resource Centre at Heritage Centre Udupi

  43. New initiatives / Products launched • “Corp Convenience – International Visa Signature Debit Card” to provide an exclusive offering to the top customers of the Bank and complement their lifestyle with rewards when they shop, dine or travel. • “Corp Mahila Power” a Savings Bank cum Loan Account for working women or women with independent source of income • “CorpMcash” a new technology product – mobile based valet for Retail payment launched • “Corp Nano Super” Flexi Savings Scheme with sweep facility for Micro Traders / hawkers • “Corp Tutor Fee” scheme for financing tution fees for preparation of entrance examination of professional exams • “Operation Customer outreach” drive to increase retail Term Deposits • “Corp CA” to cater the various financial needs of Chartered Accountants • “Corp CS” to cater to the various financial need of Company Secretaries • “Corp Tax Saver Plus “ deposit scheme with three benefits viz., High interest rate , Tax benefit under section 80C and Personal Accident Insurance Cover • “Corp Home Premium – NRI”, a New Housing Loan scheme for Non-Resident Indians (NRIs).

  44. New Branch at Amethi inaugurated by Shri. Rahul Gandhi, Hon`ble Member of Parliament • The new branch at Amethi along with Branchless Banking Units, Corp Vikas Mobile Van and Financial Literacy and Credit Counselling Centre was inaugurated by Shri Rahul Gandhi, Hon’ble Member of Parliament, LokSabha on 20.10.2011 at a function held at RamalilaMaidan in Amethi. ShriAjai Kumar, Chairman & Managing Director, Corporation Bank presided over the function.

  45. Awards / Recognition • Corporation Bank has been Ranked “Number One Nationalised Bank 2010-11” at “FE – India’s Best Banks Awards”. The Best Banks Survey was conducted by Financial Express in association with Ernst & Young – the Knowledge partner for the survey.

  46. Awards / Recognition • Corporation Bank has been Ranked “Best Mid-Size Public Sector Bank” in the CNBC- TV18 Best Bank and Financial Institution Awards presented by MCX for FY11.

  47. Awards / Recognition • Corporation Bank has Received the First Prize Under “National Award for Excellence in Lending to Micro Enterprises” for the year 2010-11 from Ministry of Micro, Small and Medium Enterprises, Government of India.

  48. Awards / Recognition • Corporation Bank has Bagged the Best Manpower Efficiency Award in Public Sector Bank Category, instituted by Federation of Indian Chambers of Commerce and Industry (FICCI) and Indian Banks’ Association (IBA) at FIBAC Banking Awards 2011.

  49. Looking Forward • Total Business in FY 2011-12 targetted at ` 250,000 crore • Deposits growth 25% to reach ` 146,000 crore • Advances growth 20% to reach `104,000 crore • 200 new branches to be opened to make national presence, increase from 1361 to 1561 • Exploring the possibility of opening branches /Offices at HongKong, Kenya, Zambia, Bostwana, Malasia, etc. • More Mobile ATMs & Financial Inclusion Resource Centres to be launched

  50. Thank You

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