BANK PERFORMANCE & PROFITABILITY ANALYSIS GROUP -7 HITESH GIROTRA (2013119) JATIN AGARWA (2013123) MEET SABARWAL (2013149) MRIGANG SAURABH DWIVEDI (2013158) NAVYA MUKHI (2013162)
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BANK PERFORMANCE&
PROFITABILITY ANALYSIS
GROUP -7
HITESH GIROTRA (2013119)
JATIN AGARWA (2013123)
MEET SABARWAL (2013149)
MRIGANG SAURABH DWIVEDI (2013158)
NAVYA MUKHI (2013162)
Balance Sheet ParametersYear 31-03-2011 31-03-2012 31-03-2013 31-03-2014Deposits 139054 155964 175897 193488
Growth/change(YOY) 32.45% 12.16% 12.78% 10.00%
Advances 96839 111977 130186 140765
Growth 15.03% 16.76% 15.16% 8.13%
Total business mix (deposits+advances) 235893 267941 306083 334253Growth 15.38% 14.04% 13.78% 9.20%CASA ratio (CASA/Total deposits) 0.25 0.24 0.25 0.24Shareholders’ equity 292 292 292 299
TOTAL ASSETS 161343 178130 200697 220302
Balance Sheet ParametersYear 31-03-2011 31-03-2012 31-03-2013 31-03-2014Deposits 131887 159593 178742 190843Growth/change(YOY) 24.36 21.01 12 6.77Advances 94571 112250 130936 138007Growth 30.56 18.69 16.65 6.57Total business mix (deposits+advances) 226458 271843 309678 328850Growth 26.87 20.04 13.92 6.19CASA ratio (CASA/Total deposits) 33.50% 30.50% 30.30% 31.20%Shareholders’ equity 7642.92 9646.88 11352.52 11800.73TOTAL ASSETS 1512863.609 182934.5678 204373.1889 220434.28
ORIENTAL BANK OF COMMERCE
ALLAHABAD BANK
BALANCE SHEET PARAMETERS
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
30.00%
35.00%
1/1/2011 1/1/2012 1/1/2013 1/1/2014
Deposits Growth/change(YOY)
0
5
10
15
20
25
1/1/2011 1/1/2012 1/1/2013 1/1/2014
Deposits Growth/change(YOY)
ORIENTAL BAK OF COMMERCE
ALLAHABAD BANK
0.234
0.236
0.238
0.24
0.242
0.244
0.246
0.248
0.25
1/1/2011 1/1/2012 1/1/2013 1/1/2014
CASA ratio (CASA/Total deposits)
28.50%
29.00%
29.50%
30.00%
30.50%
31.00%
31.50%
32.00%
32.50%
33.00%
33.50%
1/1/2011 1/1/2012 1/1/2013 1/1/2014
CASA ratio (CASA/Total deposits)
ORIENTAL BANK OF COMMERCE
ALLAHABAD BANK
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
12.00%
14.00%
16.00%
18.00%
1/1/2011 1/1/2012 1/1/2013 1/1/2014
Advances Growth (YOY)
ORIENTAL BANK OF COMMERCE
0
5
10
15
20
25
30
35
1/1/2011 1/1/2012 1/1/2013 1/1/2014
Advances Growth (YOY)
ALLAHABAD BANK
Asset Quality RatioYear 31-03-2010 31-03-2011 31-03-2012 31-03-2013Gross loans or Credit 83489 96839 111977 130186Gross NPA 1468.75 1920.54 3580.49 4183.96NPA provisions 744.93 982.39 1121.46 1281.3Net NPA (2-3) 723.82 938.15 2459.03 2902.66Net loan or credit (1-3) 82744.07 95856.61 110855.54 128904.7Gross NPA ratio (Gross NPA to Gross Credit)= 2/1 0.01 0.01 0.03 0.03Net NPA ratio (Net NPA to Net Credit) = 4/5 0.08 0.09 0.02 0.02Povision Coverage Ratio (PCR) = 3/2 0.5 0.51 0.31 0.3
Asset Quality RatioYear 31-03-2010 31-03-2011 31-03-2012 31-03-2013Gross loans or Credit 71604 94571 112250 130936Gross NPA 1221.8 1647.92 2058.98 5136.99NPA provisions 751.65 911.55 967.28 1010Net NPA (2-3) 470.15 736.37 1091.7 4126.76Net loan or credit (1-3) 70852.35 93659.45 111282.72 129926Gross NPA ratio (Gross NPA to Gross Credit)= 2/1 0.017 0.0174 0.0183 0.0392Net NPA ratio (Net NPA to Net Credit) = 4/5 0.0066 0.0078 0.0098 0.0317Povision Coverage Ratio (PCR) = 3/2 0.6151 0.5531 0.4697 0.1966
ORIENTAL BANK OF COMMERCE
ALLAHABAD BANK
ORIENTAL BANK OF COMMERCE
0
0.1
0.2
0.3
0.4
0.5
0.6
1 2 3 4
Asset Quality Ratio
Gross NPA ratio (Gross NPA to Gross Credit)= 2/1 Net NPA ratio (Net NPA to Net Credit) = 4/5
Povision Coverage Ratio (PCR) = 3/2
0
0.1
0.2
0.3
0.4
0.5
0.6
0.7
1/1/2010 1/1/2011 1/1/2012 1/1/2013
Asset Quality Ratio
Gross NPA ratio (Gross NPA to Gross Credit)= 2/1
Net NPA ratio (Net NPA to Net Credit) = 4/5
Povision Coverage Ratio (PCR) = 3/2
ALLAHABAD BANK
PERFORMANCE & PROFITABILITY RATIOPerformance and Profitability RatioYear 31-03-2010 31-03-2011 31-03-2012 31-03-2013
NIM 2908 4177 4215 4701
Cost to income ratio 0.2782 0.2969 0.2785 0.219
% of Non interest income to Total operating income 10.474 7.358 7.271 8.544
Overhead efficiency (Non Int. Income/Non Int. Exp.) 0.4036 0.2641 0.2874 0.329
Efficiency Ratio (Non Int. Exp/(Net Int. Income + Non Int. Income)
0.2595 0.2786 0.2529 0.2594
ROA (AU*NPM) 0.891 1.044 0.68 0.685
AU 0.09 0.09 0.1 0.1
NPM 9.9 11.6 6.8 6.85
ROE (ROA*EM) 489.804 578.838 416.249 472.431
EM (A/E) 549.724 554.443 612.131 689.68
Performance and Profitability RatioYear 31-03-2010 31-03-2011 31-03-2012 31-03-2013
NIM 3.71 3.63 3.62 2.52
% of Non interest income to Total operating income 15.32 11.06 7.71 7.8
Overhead efficiency (Non Int. Income/Non Int. Exp.) 51.18 34.52 28.24 28.61
Efficiency Ratio (Non Int. Exp/(Net Int. Income + Non Int. Income) 0.29 0.32 0.27 0.27
ROA (AU*NPM) 131.73 160.5 192.92 227.04
AU 0.09 0.09 0.1 0.09
NPM 12.71 12.15 11.68 6.65
ROE (ROA*EM) 35943.84 51010.11 70581.71 92800.32
EM (A/E) 272.86 317.82 365.86 408.74
ORIENTAL BANK OFCOMMERCE
0
500
1000
1500
2000
2500
3000
3500
4000
4500
5000
1/1/2010 1/1/2011 1/1/2012 1/1/2013
NIM
0
0.5
1
1.5
2
2.5
3
3.5
4
1/1/2010 1/1/2011 1/1/2012 1/1/2013
NIM
ALLAHABAD BANK
ORIENTAL BANKOF COMMERCE
0
2
4
6
8
10
12
1/1/2010 1/1/2011 1/1/2012 1/1/2013
NPM
0
2
4
6
8
10
12
14
1/1/2010 1/1/2011 1/1/2012 1/1/2013
NPM
ALLAHABAD BANK
ORIENTAL BANKOF COMMERCE
0
0.2
0.4
0.6
0.8
1
1.2
1/1/2010 1/1/2011 1/1/2012 1/1/2013
ROA (AU*NPM)
0
50
100
150
200
250
1/1/2010 1/1/2011 1/1/2012 1/1/2013
ROA (AU*NPM)
ALLAHABAD BANK
ORIENTAL BANKOF COMMERCE
0
100
200
300
400
500
600
1/1/2010 1/1/2011 1/1/2012 1/1/2013
ROE (ROA*EM)
0
10000
20000
30000
40000
50000
60000
70000
80000
90000
100000
1/1/2010 1/1/2011 1/1/2012 1/1/2013
ROE (ROA*EM)
ALLAHABAD BANK
Productivity Ratio
Year 31-03-2010 31-03-2011 31-03-2012 31-03-2013
Avg. profit per employee (Net Income/avg. no. of employees) 0.74 0.78 0.92 1.02
Avg. business per employee (Bus. Mix/ avg. no. of employees) 13.31 14.2 16.12 16.2
Avg. profit per branch 0.75 0.92 0.64 0.66Avg. business per branch 135.11 145.61 151.2 153.04
ORIENTAL BANK OF COMMERCE
ALLAHABAD BANK
Productivity Ratio
Year 31-03-2010 31-03-2011 31-03-2012 31-03-2013
Avg. profit per employee (Net Income/avg. no. of employees) 0.05 0.06 0.08 0.05
Avg. business per employee (Bus. Mix/ avg. no. of employees) 7.87 10.03 12.05 13.72
Avg. profit per branch 0.52 0.58 0.74 0.43Avg. business per branch 77.71 93.77 108.04 114.01
ALLAHABAD BANK
0
0.1
0.2
0.3
0.4
0.5
0.6
0.7
0.8
1/1/2010 1/1/2011 1/1/2012 1/1/2013
Prodcutivity Ratio
Avg. profit per employee (Net Income/avg. no. of employees) Avg. profit per branch
Solvency Ratios
Year 31-03-2010 31-03-2011 31-03-2012 31-03-2013
Tier-1 capital N.A. 11019 11901 12613
Tier-2 capital N.A. 2971 3016 3928
Total capital funds (T-1 + T-2) N.A. 13990 14917 16541
CAR or CRAR (Basel-1) N.A. 12.30% 11.01% 8.78%
CAR or CRAR (Basel-2) N.A. 14.23% 12.69% 10.12%
Solvency Ratios
Year 31-03-2010 31-03-2011 31-03-2012 31-03-2013
Tier-1 capital 6175 7897 9912 10749
Tier-2 capital 4189 4045 4023 3973
Total capital funds (T-1 + T-2) 10364 11942 13935 14824
CAR or CRAR (Basel-1) 8.12 8.57 9.13 8.05
CAR or CRAR (Basel-2) 5.1 4.39 3.71 2.98
OREIENTAL BANK OF COMMERCE
ALLAHABAD BANK
ORIENTAL BANK OFCOMMERCE
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
12.00%
14.00%
16.00%
1/1/2011 1/1/2012 1/1/2013
Solvency Ratios
CAR or CRAR (Basel-1) N.A. CAR or CRAR (Basel-2) N.A.
0
1
2
3
4
5
6
7
8
9
10
1/1/2010 1/1/2011 1/1/2012 1/1/2013
Solvency Ratios
CAR or CRAR (Basel-1) CAR or CRAR (Basel-2)
ALLAHABAD BANK
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