CENTRAL BANK OF INDIA'S RESULTS FOR THE FINANCIAL YEAR ENDED MARCH, 2014

MAJOR HIGHLIGHTS – Q4 FY 2013-14

		Rs. in crore	Y-o-Y (%)
	Total Business	423390	5.25 %
	Total Deposits	240069	6.21 %
	Core Deposits	187164	9.48 %
	Total Advances	183321	4.02 %
	Operating  Profit	3238	2.05 %
	Total Income	26350	11.99 %
	Net Interest Margin	2.73%
	Provision Coverage Ratio	51%

PERFORMANCE HIGHLIGHTS

      Total Income registered a growth of 11.99%, from Rs.23528 crore in Q4 FY 2012-13   to  Rs.26350 crore  in Q4 FY 2013-14 on y-o-y basis.

      Total Interest Income registered a growth of 11.74% from Rs.21861 crore to Rs.24427 crore in Q4 FY 2013-14 on y-o-y basis.

      Net Interest Income of the Bank registered a growth of 13.16% from Rs.5738 crore in FY 2012-13 to Rs.6493 crore in FY 2013-14 on y-o-y basis.

      Non Interest Income of the Bank has increased by 15.35% from Rs.1667 crore in FY 2012-13 to Rs.1923 crore in FY 2013-14.

      Net Interest Margin increased to 2.73% in FY 2013-14 against 2.65% of FY 2012-13.

      Operating Profit of the Bank stood at Rs.3238 crore in FY 2013-14 as compared to Rs.3173 crore as on March 2013 registering y-o-y growth of 2.05%.

      Bank recorded Net Profit of Rs.162 crore in Q4 FY 2013-14 vis-à-vis Net Profit of   Rs.62 crore in Q3 FY 2013-14. However, Bank recorded Net Loss of Rs.1263 crore as on March 31, 2014.

      Gross NPA to Gross Advances has increased to 6.27% in Q4 FY 2013-14 from 4.80% of previous year as on 31^st March 2013.Net NPA to Net Advances increased to 3.75% in Q4 2013-14 from 2.90% of previous year.

BUSINESS HIGHLIGHTS

      Total Business of the Bank increased to Rs.423390 crore as on Q4 FY 2013-14 compared to Rs.402272 crore as at March 2013, registering y-o-y growth of 5.25%.

      Total Deposits grew by 6.21 % on y-o-y basis to Rs.240069 crore  in Q4 FY 2013-14 from Rs.226038 crore in March 2013.

      Core deposits of the Bank grew by 9.48% on y-o-y basis to Rs.187164 crore in Q4 FY 2013-14 from Rs.170953 crore as of March 2013.

      CASA Deposits increased to Rs.80011 crore in Q4 FY 013-14 compared to                 Rs.73581 crore as of March 2013, registering y-o-y growth of 8.74%.  Share of CASA in total deposits increased to 33.33% in March 2014 as compared to 32.55% in March 2013.

      Total Advances of the Bank grew by Rs.7087 crore i.e. to Rs. 183321 crore in Q4 FY 2013-14 from Rs.176234crore in March 2013, registering a y-o-y growth of 4.02%.

      Priority Sector Advances increased by 24.62% on y-o-y basis to Rs.63878 crore in Q4 FY 2013-14 from Rs.51259 crore in March 2013.

      Agriculture Advances increased by 23.25% on y-o-y basis to Rs.30390 crore in Q4 FY 2013-14 from Rs.24658 crore in March 2013. 

      MSE Advances increased by 24.22% to Rs.21491 crore in Q4 FY 2013-14 from                Rs.17300 crore in March 2013. 

      Retail Loans showed substantial growth of 28.85% on y-o-y basis to Rs.27511 crore in Q4 FY 2013-14 from Rs.21352 crore in Q4 FY 2012-13.

      Housing Loan portfolio of the Bank has shown a substantial growth of 40.69% on y-o-y basis to Rs.10832 crore in Q4 FY 2013-14 from Rs.7699 crore in March 2013.

      Education Loan portfolio of the Bank increased by 16.09% to Rs.2980 crore in March 2014 from Rs.2567 crore in March 2013. 

      Provision coverage ratio has improved from 47.75% in 2012-13 to 50.68% in Q4 FY 2013-14 on y-o-y basis.

      The Credit Deposit Ratio has moved from 77.97% in Q4 FY 2012-13 to 76.36% in Q4 FY 2013-14 on y-o-y basis.

      CRAR under BASEL II is at 11.96% with Tier I at 8.12% whereas CRAR under BASEL III is 9.87% with Tier I at 7.37%.