 |
| Left to Right-Executive Directors of Central Bank of India Dr R C Lodha, Shri R.K. Goyal and Shri B K Divakara |
Rs. in crore
| ||
Ø
|
Total Business
|
4,50,539
|
Ø
|
Total Deposits
|
2,55,572
|
Ø
|
Core Deposits
|
2,28,137
|
Ø
|
Total Advances
|
1,94,967
|
Ø
|
Total Income
|
28,303
|
Ø
|
Net Profit
|
606
|
PERFORMANCE HIGHLIGHTS
Gross NPA to Gross Advances has come down to 6.09% in FY 2014-15 from 6.27% as on 31st March 2014.Net NPA to Net Advances decreased to 3.61% in 2014-15 from 3.75% of previous year Bank recorded Net Profit of Rs.606 crore in FY 2014-15 as against Net Loss of Rs.1,263 crore incurred in FY 2013-14. Total
Income registered a growth of 7.41 %, from Rs. 26,350 crore in FY
2013-14 to Rs.28,303 crore in FY 2014-15 on y-o-y basis. Total Interest Income registered a growth 8.11% from Rs. 24,427 crore to Rs. 26,409 crore in FY 2014-15 on y-o-y basis. Net Interest Income of the Bank registered a growth of 11.60 % from Rs. 6,494 crore in FY 2013-14 to Rs. 7,247 crore in FY 2014-15 on y-o-y basis. Net Interest Margin increased to 2.79 % in FY 2014-15 against 2.73% of FY 2013-14. Operating
Profit of the Bank stood at Rs. 3,559 crore in FY 2014-15 as compared
to Rs. 3,238 crore as on March 2014 registering y-o-y growth of 9.91 %.
: 2 :
BUSINESS HIGHLIGHTS
Total
Business of the Bank increased to Rs.4,50,539 crore in FY 2014 -15
compared to Rs. 4,23,390 crore as of March 2014,
registering y-o-y growth of 6.41 %. Total
Deposits grew by 6.46 % on y-o-y basis to Rs. 2,55,572 crore in FY
2014-15 from Rs. 2,40,069 crore as of March 2014. Core
deposits of the Bank grew by 21.59 % on y-o-y basis to Rs. 2,28,137
crore in FY 2014-15 from Rs.1,87,635 crore as of March 2014. CASA
Deposits increased to Rs. 87,012 crore in March 2015 compared to Rs.
80,011 crore as of March 2014, registering y-o-y growth of 8.75 %.
Share of CASA in total deposits increased to 34.05% in March 2015 as
compared to 33.33% in March 2014. Total Advances stood at Rs. 1,94,967 crore as against Rs.1,83,321 crore in March 2014, recording y-o-y growth of 6.35%. Priority
Sector Advances increased by 10.71 % on y-o-y basis to Rs.75,997 crore
in FY 2014-15 from Rs. 68,648 crore in March 2014. We have achieved 40 % of ANBC in Priority Sector & 18 % of ANBC in Agriculture as per RBI Guidelines. MSE Advances increased by 23.18 % to Rs.26,503 crore in FY 2014-15 from Rs. 21,515 crore in March 2014. Retail
Loans showed substantial growth of 21.91 % on y-o-y basis to Rs.33,538
crore in FY 2014-15 from Rs. 27,511 crore in FY 2013-14. Housing
Loan portfolio of the Bank has shown a substantial growth of 29.28 % on
y-o-y basis to Rs.14,004 crore in FY 2014-15 from Rs. 10,832
crore in March 2014. Education
Loan portfolio of the Bank increased by 15.5 % to Rs.3,442 crore in
March 2015 from Rs. 2,980 crore in March 2014. Provision coverage ratio has improved from 50.68 % in 2013-14 to 55.16 % in FY 2014-15 on y-o-y basis. CRAR
under BASEL II is at 11.89% with Tier I at 8.46 % whereas CRAR under
BASEL III is 10.90% with Tier I at 8.05
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