#1सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India 1911 से आपके लिए “केंद्रित” "CENTRAL” TO YOU SINCE 1911 Presentation to Investors & Analysts 75% आज़ादी का अमृत महोत्सव Business Result Analysis CFS Centbank Financial Services Limited Wholly-owned subsidiary of Centr Quarter/Financial Year ended 31st Mar '2022 सेन्ट बैंक होम फायनेन्स लिमिटेड Cent Bank Home Finance Limited Corporate Office: Mumbai उत्तर सेन्ट्रल बैंक ऑफ इण्डिया की अनुषंगी Subsidiary of Central Bank of India बिहार ग्रामीण बैंक मु फ्फरपुर Visit us at www.centralbankofindia.co.in http://twitter.com/centralbank_in https://www.facebook.com/centralbankofindia#2CONTENTS 1 Key Highlights, Shareholding & Branch Network 2 Business, Deposit & Credit Performance 3 Sanction & Disbursements Priority Sector Achievement 4 Asset Quality 5 Credit Support (Covid -19) 6 Restructured Book, Movement of NPA & Ratios 7 Capital Ratios 8 Profitability, Financial Indicators & NPA Provision Breakup 9 Treasury Performance 10 Digital Banking & Financial Inclusion 11 Prompt Corrective Action - Latest Status 12 Consolidated Group Financials 13 Goals for Mar ' 2023 सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 2-7 8 - 11 12-15 16 17 18-22 23 24 - 29 30 - 32 33-37 38 39-41 422#3Strengths Strong Brand Image with Legacy of 111+ Years Best CASA base @50.58% of total deposits Strong Rural + Semi Urban Presence with 65% of Total Branches in RUSU Centers Pan India presence with 17803 Customer Touch Points Dedicated Staff Strength of 30289 सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911#4Values that set us apart C Consistency E Ethical Standards सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 N Nurturing Potential T Transparency R Responsiveness A Accountability L Loyalty#501 Bank turns the corner सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 606 Net Profit/(Loss) 1045 in Cr 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22 (1418) (2439) (5105) (5641) (1121) (888)#6Business KEY HIGHLIGHTS सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 Total Business Total Business has increased to 532404 Crore from 506886 Crore registering a growth of 5.03% on Y-o- Y basis. 02 -0 CASA CASA deposit has increased to 172480 Crore from 161926 Crore registering a growth of 6.52% on Y-o- Y basis. Share of CASA deposit in total deposit has also improved to 50.58% in Mar' 22. Total Advances Gross Advances have increased to Crore registering a growth of 7.23 % on Y-o-Y basis. 189712 Crore from 176913 RAM RAM has increased to 125000 Crore from 118031 Crore on Y-o-Y basis registering a growth of 5.90% on Y-o-Y basis#7Asset Quality KEY HIGHLIGHTS सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 GNPA Net NPA Gross NPA reduced from 16.55% to 14.84% on Y-o-Y basis registering an improvement of 171 bps and from 15.16% to 14.84% on Q-o-Q basis registering an improvement of 32 bps Net NPA reduced from 5.77% to 3.97% on Y-o-Y basis registering an improvement of 180 bps and from 4.39 % to 3.97 % on Q-o-Q basis registering an improvement of 42 bps. Profit & Loss 03 93 Operating Profit Net Profit With improved performance, the Bank has earned Operating Profit of 5742 Crore (25.40%) compared to 4579 Crore on Y-o-Y basis. With sustained performance, the Bank has earned Net Profit of 1045 Crore (217.68%) during the year compared to Net Loss of (888) Crore on Y-o-Y basis.#8Efficiency Ratios H 04 NII KEY HIGHLIGHTS सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 Net Interest Income (NII) for the F.Y. 2021-22 has improved from 8245 Crore to 9487 Crore (15.07%). Cost to Income Ratio Cost To Income Ratio for the F.Y. 2021-22 has improved from 59.70% to 53.90% registering an improvement of 580 bps. Slippage Ratio Slippage Ratio for the F.Y. 2021-22 stood at 3.20% compared to 4.40% during the F.Y. 2020-21 registering an improvement of 120 bps Credit Cost Credit Cost for the F.Y. 2021-22 stood at 1.41% compared to 2.95% during the F.Y. 2020-21 registering an improvement of 154 bps.#905 95 Other Important Ratios KEY HIGHLIGHTS सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 CRAR CRAR, arrived at after considering the NPV of non interest bearing recapitalization bonds infused as capital by the GOI. During the FY ended 31st March, 2021, improved from 12.78% to 13.84% on Y-o-Y basis registering an improvement of 106 bps on Y-o-Y basis. Without considering the said adjustment, the CRAR is 15.75( CET1 ratio 13.39) as on 31st March, 2022. PCR Provision coverage ratio (PCR) improved from 82.54% for the F.Y. 2020-21 to 86.69% for the F.Y. 2021-22 registering an improvement of 415 bps.#10Shareholding Pattern Insurance Other body Public NRIS Cos Fils 2.69% Corp 0.28% 3.69% 0.05% Other 0.10% 0.11% Banks & Fl 0.00% 06 96 GOI 93.08% GOI Insurance Cos NRIS Banks & Fl Other body Corp Other Flls Public सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 As on Mar'31, 2022 Share Capital: 8680.94 cr. Shares of Central Bank of India are listed on BSE and NSE. Equity Shares of Central Bank of India are part of NSE 500, BSE 500 & BSE PSU indices.#11PAN India Branch Network As on 31 Mar '22 Total Branches 4528 Rural 1604 168 Semi Urban 1330 Urban 783 Metro 811 Total ATMs 2976 Total BC Outlets 10299 Total Customer Touch Points 17803 17% 07 20 18% 29% 144 137 55 16 Ladakh Jammu and Kashmir 12 97 97 Himachal Pradesh Chandigarh Uttarakhand Haryana National Capital Territory of Delhi .41 Punjab 573 सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 Sikkim 16 8 119 430 7 119 Arunachal Pradesh Rajasthan 459 Uttar Pradesh Assam Bihar Meghalaya Nagaland 594 36% 311 Gujarat Madhya Pradesh Jharkhand Manipur West Bengal Tripura 9 Mizoram Chhattisgarh 2 Odisha Rural Semi Urban Urban Metro 117 2 Dadra and Nagar Haveli and Daman and Diu Maharashtra Telangana Andhra Goa Karnataka Pradesh 108 .104 316 88 6 Tamil Puducherry Nadu, 8 0 Lakshadweep Andaman and Nicobar Islands Western Central Kerala Northern North East Eastern Southern 1 1 31 47.02% 13.91% 3.51% 21.09% 14.47% 2129 Br. 630 Br. 159 Br. 955 Br. 655 Br. 95 127 204 118#12Business across the board सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 PARTICULARS MAR '21 MAR'22 Y-o-Y Growth (%) Total Business 506886 532404 5.03 Total Deposits (Including 329973 342692 3.85 Interbank Deposits) CASA Deposits 161926 172480 6.52 CASA % 49.24 50.58 134 bps Total Advances 176913 189712 RAM Corporate CD Ratio # 08 80 7.23 118031 125000 5.90 58882 64712 9.70 53.79 55.63 # Figures of earlier period have been regrouped wherever necessary to confirm the current year classification. 184bps#13Core Time Deposit 50.57% DEPOSIT MIX Mar '21 Inter Bank High Cost Deposits Deposit Current 0.33% 0.02%. 4.93% Savings 44.15% High Cost Deposit 0.02% Mar '22 Core Time Deposit 49.17% सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 Inter Bank Deposits .0.48% Current 4.82% Savings 45.51% PARTICULARS MAR '21 MAR '22 Y-o-Y Growth (%) Current 16259 16515 1.57 Savings 145667 155965 7.07 Total CASA Deposits 161926 172480 6.52 CASA % 49.24 50.58 134 bps Core Time Deposit 166883 168481 0.96 High Cost Deposit 68 75 10.29 Total Core Deposit 328877 341036 3.70 Inter Bank Deposit 1096 1656 51.10 Total Deposits 329973 342692 3.85 09 60 in Cr#1433.28% CREDIT PERFORMANCE 18.29% Mar '21 RAM: 66.72% 27.96% 20.47% * in Cr Retail Agri MSME Corporate 34.10% Mar '22 18.00% RAM: 65.89% सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 SECTORS MAR'21 MAR '22 Y-o-Y Growth % Retail 49468 52226 5.57 Agriculture 36207 38635 6.71 MSME 32356 34139 5.51 RAM 118031 125000 5.90 Corporate 58882 64712 9.90 Gross Advance 176913 189712 7.23 TOTAL Credit RWA 118019 119668 1.40 10 CRWA % of Gross Advance 66.71 63.08 -363bps 27.53% 20.37%#1511 Diversified Loan Book As on 31.03.2022 Housing Auto Personal Loan Education Other Retail Loan Agriculture MSME CORPORATE 34% .16% 20% 18% सेन्ट्रल बैंक ऑफ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 2% 1% 2% 7%#1612 Sanctions & Disbursements S E C Sanctions सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 * in Cr Growth Growth % % in Disbursements in Disburse Sanctions ments T O No. of AC/S Mar'21 Amount No. of A/C Amount Mar'21 Mar'22 Y-o-Y Y-o-Y Mar'21 Mar'22 Mar'22 R RETAIL 222538 11028 201616 11579 8492 8915 5.00 4.98 MSME 297941 7476 94387 7910 6205 6565 5.81 5.80 AGRICULTURE 1108749 9466 552542 8796 7950 7388 -7.08 -7.07 CORPORATE CREDIT 102 12990 154 35873 11691 32285 176.16 176.15 TOTAL 1629330 40960 848692 64158 34338 55153 56.64 60.62#17SECTOR CO LENDING SANCTIONS सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 in Cr SEP' 21 DEC' 21 MAR' 22 TOTAL OUTSTANDING No. of Accounts Amt. No. of Accounts Amt. No. of Accounts Amt. No. of Accounts Amt. No. of Accounts Amt. RETAIL 2724 354.07 4948 627.76 5679 607.15 13351 1588.98 12319 1304.28 MSME 46 1.25 320 78.78 647 118.60 1013 198.63 948 195.00 Agriculture 0 0.00 0 0.00 5 1.68 5 1.68 5 0.92 13 TOTAL 2770 355.32 5268 706.54 6331 727.43 14369 1789.29 13272 1500.20#1814 Achievement Under Mandated Targets Total Priority Sector Advances @ 44.08 % of ANBC against norm of 40%. Achieved the mandated norms in respect of Agriculture Advances @ 19.79% of ANBC against norm of 18%. PSLC SOLD 15528 सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 Weaker Sector @ 16.30 of ANBC against norm of 10%. Advances to Small and Marginal Farmers @ 10.39% of ANBC against norm of 9%#19Rated Standard Advances Unrated 6% BB and Below 16% Government guaranteed advances 11% BBB 17% MAR'21 AAA 14% A 11% MAR '22 BB and Below. 9% Unrated 7% Government guaranteed advances AA 13% 25% BBB 12% As per BASEL III A 10% सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 AAA 28% AA 21% Investment Grade & above : 78.20% Investment grade wise Standard Advances (Fund Based) AAA AA A BBB(Including CRE) Government guaranteed advances Investment Grade & above : 83.96% Mar '21 Mar' 22 Y-o-Y 6546 14916 127.86 11384 11441 0.50 5153 5407 4.93 7622 6222 -18.37 5230 6916 32.24 Sub-Total 35935 44902 24.95 BB and Below* Unrated * 7087 4567 -35.56 2929 4178 42.64 Total 45951 53483 16.39 15 *Figures of earlier period have been regrouped wherever necessary to conform the current year classification in Cr#20SPECIAL MENTION ACCOUNTS Assets Quality - Mar '21 सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 (in Cr) Assets Quality No. of A/c's Above 5 cr. No. of A/c's Up to 5 Cr. No. Of A/c's Mar'21 % of Total Adv. SMA O 39 1214 98728 3915 98767 5129 2.90 SMA 1 28 1203 155121 5002 155149 6205 3.51 SMA 2 48 2012 124295 4076 124343 6088 3.44 TOTAL 115 4429 378144 12993 378259 17422 9.85 Assets Quality - Dec '21 Assets Quality No. of A/c's Above 5 cr. No. of A/c's Up to 5 Cr. No. Of A/c's Dec '21 % of Total Adv. SMA O 23 1332 100070 4418 100093 5750 3.16 SMA 1 16 135 132380 4862 132396 4997 2.74 SMA 2 16 570 114356 3680 114372 4250 2.33 TOTAL 55 2037 346806 12960 346861 14997 8.24 Assets Quality - Mar '22 Assets Quality No. of A/c's Above 5 cr. No. of A/c's Up to 5 Cr. No. Of A/c's Mar'22 % of Total Adv. SMA O 30 1064 100823 4855 100853 5919 3.12 SMA 1 34 822 176780 7025 176814 7847 4.14 SMA 2 3 18 54394 1140 54397 1158 0.61 16 TOTAL 67 1904 331997 13020 332064 14924 7.87#21COVID-19 CREDIT SUPPORT ECLGS सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 Guaranteed Emergency Credit Line in Cr Amount Sanctioned 17 01 02 03 No. of Sanctions 165775 3150.15 174 517.34 466 114.64 70 04 59 4.82 ECLGS -1 Extension No. of Sanctions 9415 Amount Sanctioned 627.94 ECLGS -2 Extension No. of Sanctions 79 Amount Sanctioned 42.22 ECLGS -3 Extension No. of Sanctions 284 Amount Sanctioned 22.58#22RESTRUCTURED BOOK Standard Restructured Book सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 SEGMENT Mar '21 June '21 Sep '21 Dec '21 Mar' 22 Corporatete 986 976 997 575 954 MSME 1723 1614 1452 732 680 Agriculture 301 273 254 216 203 Retail 468 463 433 406 408 Total 3478 3326 3136 1929 2245 Standard Restructured - Covid-19 Resolution Framework Corporate MSME 2313 2299 2422 1553 838 1403 2714 2594 Agriculture Retail 48 105 399 372 1514 2207 2047 2030 Total 4713 6014 7582 6549 Total Standard Restructured Book Corporate 986 3289 3296 2997 2507 MSME 1723 2452 2855 3446 3274 Agriculture 301 321 359 615 575 Retail 468 1977 2640 2453 2438 Total Restructured 3478 8039 9150 9511 8794 18 (in Cr)#23NPA CLASSIFICATION NPA Classification: Sector Wise सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 (in Cr) Advances Particulars Mar '21 Jun '21 Sep '21 TOTAL Dec '21 Mar '22 NNPA % (Mar '22) NNPA Total NPA 29277 27892 27252 27608 28156 189712 6675 3.97 Retail 2542 2596 2308 2305 2223 52226 890 1.75 Agriculture & Allied 5349 5560 5603 5752 6053 38635 2907 8.19 MSME 5654 5634 5429 5266 5383 34139 1663 5.47 Corporate & Others 15732 14102 13912 14285 14497 64712 1215 2.36 NPA Classification: Retail Sector Particulars Mar '21 Jun '21 Sep '21 Dec '21 Advances Mar '22 TOTAL NNPA NNPA % (Mar '22) Total Retail NPA 2542 2596 2308 2305 2223 52226 890 1.75 Housing Loan 1324 1298 1248 1214 1153 30163 591 2.00 Vehicle Loan 127 131 98 98 103 3006 33 1.12 Education Loan 591 594 574 580 574 3435 160 5.04 Other Personal Loans 500 573 388 413 393 15622 106 0.70 19#24ASSET QUALITY TREND 16.55 15.92 15.52 15.16 14.84 सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 Gross NPA % 5.77 5.09 4.51 4.39 Net NPA % 3.97 Mar '21 Jun '21 Sep '21 Dec '21 Mar '22 (in Cr) Particulars Mar '21 Jun '21 Sep '21 Dec '21 Mar '22 Gross Advances 176913 175229 175594 182098 189712 Net Advances 156579 155154 155268 161514 168173 Gross NPA 29277 27892 27252 27608 28156 Net NPA 9036 7904 7004 7085 6675 Gross NPA % 16.55 15.92 15.52 15.16 14.84 Net NPA % 5.77 5.09 4.51 4.39 3.97 20 20#25NPA MOVEMENT सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 (in Cr) Gross NPA FY 20-21 Jun '21 Sep '21 Dec '21 Mar'22 FY 21-22 Opening Gross NPAs 32589 29277 27892 27252 27608 29277 Add Slippage of PA to NPAS 5951 1281 2104 1235 2241 4473 Increase in balance of 191 124 37 71 32 245 existing NPAs Sub Total 6142 1405 2141 1306 2273 4718 Less: Up gradation 499 2231 555 227 664 1337 Recovery (Including Sale 2554 461 1169 613 833 3004 to ARC) Regular Write-off 1182 98 802 110 255 1236 Technical Write-off 4810 0 0 0 0 0 Other Recovery by 409 0 255 0 3 262 adjustment Sub Total 9454 2790 2781 950 1725 5839 Gross NPAS 29277 27892 27252 27608 28156 28156 % of Gross NPAs to Gross Advances 16.55 15.92 15.52 15.16 14.84 14.84 21#26PROVISION COVERAGE RATIO 4.40 82.54 84.28 85.86 85.77 सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 86.69 Mar '21 Jun '21 Sep '21 Dec '21 Mar'22 SLIPPAGE RATIO # 1.45 1.47 (0.19%)* 0.95 0.88 NET INTEREST MARGIN # 3.77 3.20 (0.19%)* 3.26 3.21 2.97 2.04 2.84 FY-Mar '21 Jun '21 Sep '21 Dec '21 Mar'22 FY-Mar'22 FY-Mar '21 Jun '21 Sep '21 Dec '21 Mar'22 FY-Mar'22 22 # Figures of earlier period have been regrouped wherever necessary to conform the current year classification * Out of the restructured book the slippage ratio is 0.19%#27CAPITAL RATIOS Capital Adequacy Ratio* 12.78 Leverage Ratio# 14.09 13.84 2.03 2.36 1.99 Tier-II 12.06 10.79 11.48 CET-I Mar '21 Dec '21 Mar'22 5.00 Mar '21 5.22 4.25 Dec '21 Mar'22 सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 * CRAR (BASEL III) is arrived at after considering the NPV of non interest bearing recapitalization bonds infused as capital by the GOI. During the FY ended 31st March, 2021. Without considering the said adjustment, the CRAR is 15.75( CET1 ratio 13.39) as on 31st March, 2022. # Leverage Ratio for March'22 is arrived at after considering the NPV of non interest bearing recapitalization bonds infused as capital 23 by the GOI. During the FY ended 31st March, 2021. Without considering the said adjustment, the leverage ratio is 4.98% as on 31 March, 2022#28Financials at a Glance Quarterly Particulars- Quarter ended Y-O-Y Growth % सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 (In Cr) Growth% Mar'21 Dec'21 Mar'22 Mar'21 Mar'22 Qtr. Mar'22 Over Dec'21 (Q-o-Q) Qtr. Mar'22 Over Mar'21 FY 21-22 over FY 20-21 (Y-o-Y) (Y-o-Y) Total Interest Income 4878 6050 5788 22730 22802 -4.33 18.66 0.32 # Total Interest 3362 3311 3371 14485 13315 1.81 0.27 -8.08 Expenses Net Interest Income# 1516 2739 2417 8245 9487 -11.76 59.43 15.07 Total Income # 5729 6524 6420 25846 25770 -1.59 12.07 -0.29 Total Expenditure# 5092 5271 4607 21267 20028 -12.60 -9.53 -5.83 Operating Profit # 637 1253 1813 4579 5742 44.69 184.62 25.40 Provisions # 1986 802 1150 5467 4152 43.39 -42.09 -24.05 Exceptional Item 172 353 545 105.23 Net Profit -1349 279 310 -888 1045 11.11 -122.98 -217.68 24 # Figures of earlier period have been regrouped wherever necessary to confirm the current year classification. In the light of Master Direction of Financial statements- Presentation and Disclosures dated 30.08.21( updated on 15.11.21).#29Fee Based Income Central Bank of India CENTRAL TO YOU SINCE 1911 Quarter ended Y-O-Y (In Cr) Growth % Growth% Particulars FY 21-22 Mar'21 Dec'21 Mar'22 Mar'21 Mar'22 Mar'22 Over Dec'21 (Q-o-Q) Mar'22 Over Mar'21 (Y-o-Y) over FY 20-21 (Y-o-Y) 289 364 451 1042 1425 23.90 56.06 36.76 Fee Based Income (I + ii + iii) Commission Exchange & Brokerage (i) # 87 90 97 309 332 7.78 11.49 7.44 - Commission on LC/BG/DDS 52 49 49 52 190 188 6.12 -1.05 - Govt. Business 14 19 21 53 70 10.53 50 32.08 - Banc assurance 21 22 24 66 74 9.09 14.29 12.12 Service Charges (ii) 171 244 318 620 953 30.33 85.96 53.71 Miscellaneous (iii) # 31 30 36 113 140 20.00 16.13 23.89 Treasury Income 253 -40 -20 1422 421 50.00 -107.91 -70.39 Profit on Sale of Investments 260 70 77 1381 491 10.00 -63.33 -64.45 Profit/Loss on revaluation of invest# -50 -143 -190 -52 -277 -32.87 -280.00 -432.69 - Profit on Exchange Transactions 37 33 33 86 87 199 160.61 132.43 128.74 - Dividend Income 6 7 6 8 16.67 33.33 -Other Receipts( PSLC & Others) 25 Total Non-Interest Income # 309 150 201 652 1122 34.00 91.43 72.09 851 474 632 3116 2968 33.33 -25.73 -4.75 # Figures of earlier period have been regrouped wherever necessary to confirm the current year classification. . In the light of Master Direction of Financial statements- Presentation and Disclosures dated 30.08.21( updated on 15.11.21).#30Total Expenses Quarterly Quarter ended सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 (In Cr) Y-O-Y Growth % Growth% Particulars Mar'21 Dec'21 Mar'22 Mar'21 Mar'22 Qtr. Mar'22 Over Dec'21 (Q-o-Q) Qtr. Mar'22 Over Mar'21 (Y-o-Y) FY 21-22 over FY 20-21 (Y-o-Y) Interest Expenses 3362 2 33 3311 3371 14485 $ 13 13315 1.81 0.27 -8.08 Interest paid on Deposits 3254 3199 3230 13994 12848 0.97 -0.74 -8.19 Other Interests 108 112 141 491 467 25.89 30.56 -4.89 Operating Expenses # 1730 1960 1236 6782 6713 -36.94 -28.55 -1.02 Staff Cost# 898 1297 382 4141 3927 -70.55 -57.46 -5.17 Other Operating Expenses # 832 663 854 2641 2786 28.81 2.64 5.49 Total Expenses 5092 5271 4607 21267 20028 -12.60 -9.52 -5.83 26 # Figures of earlier period have been regrouped wherever necessary to confirm the current year classification.. In the light of Master Direction of Financial statements- Presentation and Disclosures dated 30.08.21( updated on 15.11.21).#31Provisions सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 (In Cr) Quarter ended Y-O-Y Growth % Growth % Particulars Mar'21 Dec'21 Mar'22 Mar'21 Mar'22 Qtr. Mar❜22 Over Dec'21 (Q-o-Q) Qtr. Mar'22 Over Mar'21 (Y-o-Y) FY 21-22 over FY 20-21 (Y-o-Y) Total Provision # 1986 802 1150 5467 4152 43.38 -42.09 -24.05 NPAs # 3259 380 894 5176 2461 135.26 -72.57 -52.45 Standard Assets -152 225 -293 263 -222 -230.22 92.76 -184.41 Depreciation / Provisions on Investment including SRs -88 51 354 347 646 594.12 502.27 86.17 Income Tax Others Restructured A/c's 27 -1094 65 88 -436 672 35.38 108.04 -254.13 29 -7 6 40 -1 185.71 -79.31 -102.50 32 88 101 77 596 14.77 215.63 674.03 # Figures of earlier period have been regrouped wherever necessary to confirm the current year classification.. In the light of Master Direction of Financial statements- Presentation and Disclosures dated 30.08.21( updated on 15.11.21).#32Financial Indicators Quarter ended सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 Financial Year Particulars Mar'21 Dec'21 Mar'22 Mar'21 Mar'22 Cost of Deposits(%)* 4.00 3.83 3.85 4.35 3.86 Yield on Advances (%) *# 4.98 6.52 6.54 6.63 6.57 Yield on Investments (%) # 6.49 6.28 5.45 6.63 6.27 Cost of Funds (%)* 4.07 3.89 3.91 4.43 3.92 Yield on Funds(%)* 6.55 8.30 7.80 7.68 7.72 NIM %* # ROA %* ROE % Book Value of Share Credit Cost * Cost to Income # 2.04 3.76 3.26 2.78 3.21 -1.58 0.33 0.36 -0.26 0.30 -6.44 1.21 1.31 -4.31 4.49 38.64 27.05 27.42 38.64 27.42 7.29 0.87 1.98 2.95 1.41 73.09 61.02 40.56 59.70 53.90 Business per Employee in Cr 15.64 16.87 17.52 15.60 17.15 Operating Profit per Employee * in Lac* # Net Profit per Employee in Lac 7.88 16.28 23.93 14.12 18.55 * -16.69 3.63 4.10 -2.74 3.38 * Annualised 28 # Figures of earlier period have been regrouped wherever necessary to confirm the current year classification.#33NPA PROVISION BREAKUP सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 NPA Provision Increase due to: (in Cr) Particulars Dec '21 Mar '22 Ageing Provision/Change in Value of Security Slippages/Increase in Balance/Fraud Sub Total 156.01 1212.46 541.82 391.45 697.83 1603.91 Less: Provision write back due to Cash Recoveries/Upgradation/ Restructuring 317.38 710.60 29 29 Net Additional NPA Provision made 380.45 893.31#3430 30 2% Investment Portfolio सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 Govt. Securities Mar '22 0% 2% Mar '21 .0% 0% 2% Other Approved 24%- .0% 24%- Shares 2%. Debentures & 0% Bonds 0%- 72% 72% Subsidiaries & Joint Ventures Others Investment Outside India (* in Cr) Particulars Govt. Securities Other Approved Shares Mar '21 Mar '22 110414 105842 0 0 3040 2987 Debentures & Bonds 36384 34597 Subsidiaries & Joint Ventures 258 258 Others 3677 3028 Total Investment In India 153773 146712 Investment Outside India 47 47 Grand Total 153820 146759#35TREASURY PERFORMANCE Interest on Investment 10009 MAR'21 Yield on Investment 6.63 6.27 9264 1381 MAR'22 MAR'21 Trading Profit सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 491 MAR'22 Return on Investment (including Trading Profit) 7.53 6.59 MAR'22 (*in Cr) MAR'21 MAR'21 MAR'22 Particulars Mar'21 Mar 22 Aggregate Investment 153820 146759 Interest on Investment (* in Cr) 10009 9264* Yield on Investment % 6.63 6.27 Trading Profit (in Cr) 1381 491 Return on Investment (including Trading Profit) % 7.53 6.59 M- Duration(AFS) 2.71 1.62 31 10 year Bench Mark % 6.18 6.84 * Excluding income on security receipts to the tune of *327.93 Crores#3632 TREASURY OPERATIONS Total Investment Book Aggregate Investment Portfolio Investment Percentage Total SLR सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 Mar'21 Mar' 22 153820.06 146759.26 HTM AFS HFT HTM AFS 93416.82 60302.93 100.31 100804.07 45969.09 -13.90 60.73% 39.20% 0.07% 68.69% 31.32% -0.01% 110414.28 HFT 105841.66 Of Which SLR 64046.11 46269.23 98.94 72813.03 33042.53 -13.90 AFS BOOK CORPORATE. BOND 7% SDL 24% CP 1% PSU 5% Mar-21 OTHERS 10% CORPORATE. G-sec & T-bill 53% BOND 8% OTHERS Mar-22 12% PSU 7% SDL 21% G-sec & T- bill 51% CP 1% Modified Duration: 2.71 - SLR: 2.32 P.V. 01(SLR+N SLR): 12.81 - SLR: 10.72 Modified Duration: 1.62 -SLR 1.31 P.V. 01(SLR+N SLR): 6.38 -SLR 4.30 (* in Cr)#37Digital Transactions सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 UPI Apr '20 to Mar' 21 Apr 21 to Mar 22 IMPS 9% 8% 9% 8% 5% Mobile Banking 6% 2% 5% 1% 1% .7% Internet Banking 1%✓ 1%. Debit card(POS) 61% 6% RTGS/NEFT AEPS-BHIM- AADHAR Others Share of Digital Txns through ADC 77.63% Payment Acceptance Touch Points 51802 70% Share of Digital Txns through ADC 78.05% Digital Touch Points (In 000) 8661 175363 Other Touch Points 4045 4528 1676 10299 2976 4240 BHIM Aadhaar Pay POS/MPOS UPI QR No. of Internet Banking users No. of Mobile No. of UPI VPA Banking users No. of Branches No. of BC outlets No. of ATM 33#38Product offerings RETAIL BANKING WHOLESALE BANKING सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 TREASURY BANKING LOAN PRODUCTS Home Loan/Mortgages Auto Loan Personal Loan Commercial Vehicle Finance Gold Loans Self Help Group Loans Kisan Gold Cards Credit Cards Retail Business banking Construction Equipment Finance Education Loan Co-Lending DEPOSIT PRODUCTS Saving Accounts Current Accounts Fixed Deposits Recurring Deposits Corporate salary Accounts Escrow Accounts OTHER PRODUCTS / SERVICES Depository Accounts Mutual Fund Sales Bancassurance (Life /Non Life/Health) Non-resident Indian (NRI) Services Point of Sale (POS) Terminals Debit Cards Foreign Exchange Services Door Step Banking E-Bkray - Publicizing of Assets COMMERCIAL BANKING Working Capital Term Loans Bill/Invoice discounting Forex & Derivatives Letters of Credit Guarantees TRANSACTIONAL BANKING Cash Management Custodial Services Clearing Bank Services Tax Collections VPM Module PRODUCT SEGMENTS Foreign Exchange Debt Securities Derivatives Equities 34 =4#39Leveraging Technology End-to-end Processing सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 Renewal through Tablet API Integration - Under Writing Processing ITR Analysis / GST Returns/ Litigation/MCA 35 35 Loan Lead Management System (LLMS) For - Agriculture & MSME Products Lead Generation - Analytical Model For Retail/MSME/ Deposit & Third Party Products Cloud Base Solutions - For IT based system 1 CHATBOT- Ask Cent Bot Cost Effective One Stop Solution - Mobile App / Website#40Digital Payments Electronic toll Enrollment FASTag 16173 11891 19174 26774 29977 MAR'21 JUN'21 SEP'21 DEC'21 MAR'22 36 UPI Ecom Transactions 1671.70 2135.25 FY 20-21 FY 21-22 Mobile Banking 103.52 130.54 FY 20-21 FY 21-22 7890.34 सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 UPI Transactions 14249.51 FY 20-21 FY 21-22 Internet Banking 993.63 1362.42 FY 20-21 FY 21-22 Transactions (In lacs)#4137 143.05 FINANCIAL INCLUSION No of accounts(In Lacs) 144.58 143.67 PMJDY Balance Outstanding (In Cr) सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 146.49 146.18 4840.22 4181.86 4374.66 4029.71 4183.47 Mar'21 Jun '21 Sep '21 Dec '21 Mar'22 17.5 PMJJBY 17.50 33.32 Mar'21 Jun '21 Sep '21 Dec '21 Mar'22 Social Security Scheme PMSBY 51.53 No. of enrollments (In lacs) APY 15.81 55.75 14.51 54.64 12.33 Mar '21 Dec '21 Mar' 22 Mar 21 Dec '21 Mar' 22 Mar '21 Dec '21 Mar' 22#42T R - GGERS 38 Prompt Corrective Action सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 Compliance Status PCA Triggers Mar '21 Jun '21 Sep '21 Dec'21 Mar'22 Capital Adequacy Ratio <11.50 14.81 14.88 15.38 15.87 15.75* NET NPA >= 6% 5.77 5.09 4.51 4.39 3.97 Leverage Ratio <3.5% 5.00 5.13 5.15 5.22 4.98* * CRAR & Leverage Ratio after reckoning NPV of Non interest bearing recapitalization bonds issued by GOI, which comes out to be 13.84% (CET -1 11.48%) & 4.25% respectively#4339 CENTRAL BANK OF INDIA- GROUP सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 Cent Bank Home Finance Ltd. - Engaged into Housing Finance activity Presence in 9 States through 19 Branches. Advances & Investment Portfolio of 1188.92 Crore Subsidiaries Central Bank of India Shareholding Particulars (In Cr) 12M ended Mar'22 Mar'21 Total Income 122.96 127.79 Net Profit/ (Loss) 20.11 14.67 64.40 % Total Assets 1212.16 1186.78 Capital & Reserves 162.08 141.97 Centbank Financial Services Ltd. Engaged mainly into Trusteeship Services Central Bank of India Shareholding Particulars 12 M ended Mar'22 Mar 21 Total Income 2.95 3.40 Net Profit/(Loss) 1.06 0.91 100% Total Assets 42.19 42.37 Capital & Reserves 35.38 35.82 Associates (In Cr) Name of Associate Central Bank of India Shareholding Net Profit 12 M ended Mar'22 Mar 21 Uttar Bihar Gramin Bank, Muzzaffarpur 35% (77.43) (415.35) Uttarbanga Kshetriya Gramin Bank, Cooch Behar 35% 45.07 1.54 Indo Zambia Bank Limited, Zambia 20% 148.88 79.37#44CENTRAL BANK OF INDIA- GROUP सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 Group Position (in Cr.) As on 31 Mar' 2022 As on 31 Mar'2021 Particulars CAPITAL & LIABILITIES Capital Reserves and Surplus 8681 18868 5876 15821 Minorities Interest 58 51 Share Application Money Pending Allotment 0 4800 Deposits 343165 330328 Borrowings 7663 5760 Other Liabilities and Provisions 9000 7339 Total 387435 369975 ASSETS Cash and Balances with Reserve Bank of India 38034 32188 Balances with Banks and Money at Call and Short Notice 15063 6766 Investments 140774 148518 Loans & Advances 169042 157389 Fixed Assets 4955 5133 40 40 Other Assets Goodwill on Consolidation 19558 19972 9 9 Total 387435 369975#45CENTRAL BANK OF INDIA- GROUP Particulars INCOME Interest and Dividend Earned Other Income EXPENDITURE Group Performance सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 (* in Cr.) 12M ended MAR' 22 MAR 21 22903 22830 2968 3110 Total 25871 25940 Interest Expended 13361 14543 Operating Expenses 7277 6799 Provisions and Contingencies 4168 5477 Total 24806 26819 Consolidated Net Profit/(Loss) for the year of the parent & 1065 (879) subsidiaries before Minority Interest Less: Minority Interest 7 5 Consolidated Net Profit/(Loss) for the year after deducting Minority's Interest 1058 (884) Add: Share of earnings in Associates 18 (116) 41 Consolidated Net Profit/(Loss) for the year attributable to the Group 1076 (1000)#46Guidance for Mar'23 Deposit Growth Advances Growth Business Growth PARAMETERS RAM: Corporate Credit Ratio NIM CASA Gross NPA Net NPA PCR Slippage Ratio Credit Cost (Annualized) Return on Assets Cost to Income Ratio Guidance 8-10% 10 to 12 % 8-10 % 65:35 More than 3% Around 50 % Below 10% Less than 3.5% 88-90% 2.25 -2.50% 1.50 1.75% 0.50 0.60% Less than 50% 42 सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911#471 Conclusion सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 Bank has turned corner and registered Net Profit of 1045 Crore for the Full Year after incurring loses for the period Mar' 16 - Mar '21 2 The GNPA and NNPA ratios have substantially come down on Y-o-Y basis from 16.55 And 5.77 to 14.84 And 3.97% respectively 3 The Provision coverage ratio has substantially improved to 86.69% From 82.54% a Year ago. 4 The Bank is complying with all the PCA Parameters for the last 7 Quarters#48सेन्ट्रल बैंक ऑफ़ इंडिया Central Bank of India CENTRAL TO YOU SINCE 1911 智財記醬 THANK YOU