CO:PRO:2005:08: Public Relations Deptt., 16th Floor, Chandermukhi, Nariman Point, Mumbai - 400 021.

CO:PRO:2015:16:05:PRESS:09 12th May, 2015

PRESS RELEASE B ANK ' S RESU LT S F O R T H E F INANC IA L YEA R ENDED MARCH, 2015

MAJOR HIGHLIGHTS -FY 2014-15

Rs. in crore

Total Business

4,50,539

Total Deposits

2,55,572

Core Deposits

2,28,137

Total Advances

1,94,967

Total Income

28,303

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

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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.

Public Relations Deptt., 16th Floor, Chandermukhi, Nariman Point, Mumbai - 400 021.

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

Public Relations Deptt., 16th Floor, Chandermukhi, Nariman Point, Mumbai - 400 021. Photo Narration:

Fr Left to Right-Executive Directors of Central Bank of India Dr R C Lodha, Shri R.K. Goyal and
Shri B K Divakara are seen during the Press Meet to announce the financial results for the quarter ended March 2015 at Mumbai.

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