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Committed to keeping your TRUST. Presentation on Financial Results – 31 st Dec. 2013. STATUTORY CENTRAL AUDITORS. M/s JAIN KAPILA ASSOCIATES, NEW DELHI M/s P.L. TANDON & CO., KANPUR M/s SHAH & TAPARIA, MUMBAI M/s BANSAL R KUMAR & ASSOCIATES, NEW DELHI M/s R.S.SIPAYYA & CO., NEW DELHI .

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slide1

Committed to keeping your TRUST

Presentation on Financial Results – 31st Dec.2013

slide2

STATUTORY CENTRAL AUDITORS

M/s JAIN KAPILA ASSOCIATES, NEW DELHI

M/s P.L. TANDON & CO., KANPUR

M/s SHAH & TAPARIA, MUMBAI

M/s BANSAL R KUMAR & ASSOCIATES, NEW DELHI

M/s R.S.SIPAYYA & CO., NEW DELHI

slide10

NET PROFIT (9M)

(` in Crore)

slide16

NET PROFIT (Q3)

(` in Crore)

slide18

BREAK UP OF CREDIT

(` in Crore)

slide19

PRIORITY SECTOR ADVANCES

(` in Crore)

*Includes ` 430 Crore under Non Priority Sector

slide20

RETAIL CREDIT

(` in Crore)

Retail Credit as a % of Total Advances has increased to 11.75% as on Dec-13

slide24

EXPOSURE TO INFRASTRUCTURE

(` in Crore)

Break up of exposure to Power Sector

slide29

STANDARD RESTRUCTURED ACCOUNTS SECTOR WISE

(` in Crore)

  • Breakup of State Discoms
  • Rajasthan Discom : 1,379
  • U P Discom : 486
  • Haryana Discom : 51
  • Tamil Naidu : 37
slide31

NPA

(` in Crore)

slide32

NPA MOVEMENT (Q3)

(` in Crore)

slide33

NPA MOVEMENT (9M)

(` in Crore)

slide34

IMPAIRED ASSETS

(` in Crore)

slide35

CAPITAL ADEQUACY

(BASEL II & III)

(` in Crore)

slide36

SHAREHOLDING PATTERN

On 12.12.2013, Govt. of India infused capital funds of ` 150 crore by way of preferential allotment of equity shares.

slide37

BRANCH EXPANSION

2089

2000

1772

Rural

Semi-Urban

Urban

Metro

89 new branches opened during FY 13-14, out of which 49 branches opened in rural centres (35 unbanked) & 25 in semi-urban centres.

slide38

ALTERNATE DELIVERY CHANNELS

ATM Cardbase (Lacs)

ATMs

Customers registered for

SMS alerts (Lacs)

I-Bnkg Customers (Lacs)

MobileBnkg Customers (Lacs)

slide39

HUMAN RESOURCES

16618

  • 1324 personnel recruited during 2013-14 (9 months) [252 POs., 46 Specialist Officers, 886 Clerks & 140 Sub staff]
  • The Bank has planned to recruit 124 more personnel during Q4 [21 POs, 62 Clerks & 41 Sub Staff)]
slide40

CORPORATE SOCIAL RESPONSIBILITY

  • Distributed of the Solar lanterns to the students in Rural & Semi Urban centers in Bangalore region under 'Light for Education' programme.
  • For the development of the sports activities among the school going children, support has been given to “Subroto Cup International Football Tournament” and also to “Sub-Junior Under 15 Girls National Hockey Championship” at Bassi Pathana in Punjab.
  • The Bank has adopted 10 orphan Girl Children from St. Michael's Hostel, and has paid for their Boarding, Lodging, Education, Medical, and other needs.
  • The Bank has adopted 3 poor girls orphaned in Uttarakhand calamity. The Bank will bear the cost towards Boarding, Lodging, Education, Medical and other needs till they pass class XII.
  • The Bank has donated a Maruti Eeco Van to AWWA to facilitate the war-widows, poor ladies and differently-able ladies to reach the project site –Aahwan. The Eeco Van also helps in transporting the products to selling points situated in Delhi & NCR.
  • Donation of uniforms, stationery items to poor and needy students at ‘Aarohan’ in association with ‘Jagruti- a social venture by Oriental Bank Family’.
  • So far the Bank has contributed over `5 Crore towards CSR activities in FY 13-14 including employees’ contribution of `2.19 Crore to the Prime Minister’s National Relief Fund for the relief of flood victims of Uttarakhand.
slide41

NEW INITIATIVES

  • For improving the control and enabling the bank to expand in newer areas, new Regional Office at Raipur opened (Total Regional Offices – 34)
  • 30 new branches opened & 132 new ATMs installed during Q3

(Total delivery channels as on 31.12.2013 : 3918 (2089 Brs + 1829 ATMs)

  • Reduction in intt. rate on Advances to MSME to augment credit flow to manufacturing & services sector
  • Reduction in intt. Rate on Personal Loans, Auto/Taxi, Light & Heavy & Light Commercial Vehicle Loans to boost credit flow to the consumer segment
  • 2 new SB deposit schemes viz. “OBC Diamond Saving Deposits Account” & “OBC Platinum Saving Deposit Account” introduced with attractive features
  • To bring more security to card based transactions, Bank launched EMV compliant (chip based) VISA International Gold Debit Card
  • Implementation of One Time Password (OTP) for strengthening 3rd party I-Banking transactions
  • Launch of Smart Monthly Income Plan of CHOICe (Joint Venture Insurance Co.)
  • On Republic Day (26th January 2014), Bank launched 3 new facilities for customers : Aadhar based e-KYC, Public Provident Fund A/c, Senior Citizens Saving Scheme
slide42

CORPORATE VISION

  • VISION STATEMENT
  • TO BE A CUSTOMER FRIENDLY PREMIER BANK COMMITTED TO ENHANCING STAKEHOLDERS VALUE.
  • MISSION STATEMENT
  • Provide quality , Innovative services with state-of-the-art technology in line with customer expectations.
  • Enhance employees’ professional skills and strengthen cohesiveness.
  • Create wealth for customers and other stakeholders.