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Financial Results Presentation – Committed to Keeping Your Trust (As of Dec 31, 2013)

This presentation outlines the financial results and key metrics of the bank as of December 31, 2013. Highlights include statutory audits by Jain Kapila Associates and others, CASA and retail term deposits, customer acquisition income, operating profit, and net profit. It provides a detailed breakdown of income and expenditure for the third quarter and the first nine months, as well as updates on retail credit, sectoral advances, NPA movements, capital adequacy, and corporate social responsibility initiatives. The presentation also discusses the bank's ongoing expansion and technological improvements.

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Financial Results Presentation – Committed to Keeping Your Trust (As of Dec 31, 2013)

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  1. Committed to keeping your TRUST Presentation on Financial Results – 31st Dec.2013

  2. 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

  3. RESULTS AT A GLANCE

  4. CASA & RETAIL TERM DEPOSITS (` in Crore)

  5. CASA CUSTOMER ACQUISITION

  6. INCOME RESULTS AT A GLANCE (9M)

  7. BREAK UP OF INCOME (9M) (` in Crore)

  8. BREAK UP OF EXPENDITURE (9M) (` in Crore)

  9. BREAK UP OF OPERATING PROFIT (9M) (` in Crore)

  10. NET PROFIT (9M) (` in Crore)

  11. COST & YIELD RATIOS (9M)

  12. OTHER RATIOS (9M)

  13. BREAK UP OF TOTAL INCOME (Q3) (` in Crore)

  14. BREAK UP OF TOTAL EXPENDITURE (Q3) (` in Crore)

  15. BREAK UP OF OPERATING PROFIT (Q3) (` in Crore)

  16. NET PROFIT (Q3) (` in Crore)

  17. COST & YIELD RATIOS (Q3)

  18. BREAK UP OF CREDIT (` in Crore)

  19. PRIORITY SECTOR ADVANCES (` in Crore) *Includes ` 430 Crore under Non Priority Sector

  20. RETAIL CREDIT (` in Crore) Retail Credit as a % of Total Advances has increased to 11.75% as on Dec-13

  21. BREAK-UP OF RETAIL CREDIT (` in Crore)

  22. SECTORALADVANCES

  23. OUTSTANDING ADVANCES – INDUSTRY-WISE BREAK-UP

  24. EXPOSURE TO INFRASTRUCTURE (` in Crore) Break up of exposure to Power Sector

  25. EXPOSURE TO POWER SECTOR (` in Crore)

  26. INVESTMENT PORTFOLIO BREAK UP (` in Crore)

  27. RISK PARAMETER/YIELD INVESTMENT PORTFOLIO *Excluding RIDF

  28. STANDARD RESTRUCTURED ACCOUNTS (` In Crore)

  29. 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

  30. STANDARD RESTRUCTURED ACCOUNTS ACTIVITY WISE (` in Crore)

  31. NPA (` in Crore)

  32. NPA MOVEMENT (Q3) (` in Crore)

  33. NPA MOVEMENT (9M) (` in Crore)

  34. IMPAIRED ASSETS (` in Crore)

  35. CAPITAL ADEQUACY (BASEL II & III) (` in Crore)

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

  37. 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.

  38. ALTERNATE DELIVERY CHANNELS ATM Cardbase (Lacs) ATMs Customers registered for SMS alerts (Lacs) I-Bnkg Customers (Lacs) MobileBnkg Customers (Lacs)

  39. 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)]

  40. 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.

  41. 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

  42. 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.

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