1. Presentation for the Quarter ended 30th June 2016
Presentation on Financial Results – 30th June 2016

2. STATUTORY CENTRAL AUDITORS
M/s A. Bafna & Co., Jaipur
M/s Lunawat & Co., New Delhi
M/s V.K. Dhingra & Co., New Delhi
M/s Sudit K. Parekh & Co., Mumbai
M/s V.K. Ladha & Associates, Ujjain
REGIONAL OFFICES 34
BRANCHES REVIEWED BY STATUTORY CENTRAL AUDITORS (SCAs)
20*
* Covering % of Total Advances of the Bank.
{Total Audit/review Coverage is 84.01% of Advances which includes 847 branches under Concurrent Audit other than 20 branches reviewed by SCAs}

3. SHAREHOLDING PATTERN Held by Jun 2015 Mar 2016 Govt. of India 59.13%
55.17%
58.38%
FPIs & NRIs
10.99%
9.12%
7.92%
Banks/Financial Institutions and Insurance Cos.
10.40%
16.42%
15.34%
Mutual Funds/ UTI & Trusts
10.32%
7.49%
6.61%
Others
9.16%
11.80%
11.75%
MBD

4. DELIVERY CHANNELS AS ON 30.06.2016
Category of branch
No. of branches
No. of ATMs
Metro
501
640
Urban
600
692
Semi-Urban
643
657
Rural
607
596
TOTAL
2351
2585
MBD

5. RESULTS AT A GLANCE ` in Crore Y-o-Y Growth Total Business 354809
PARAMETER
` in Crore
Y-o-Y Growth
Total Business
354809
3.59%
Total Deposits
204508
4.36%
Retail Term Deposits (below ` 1 Crore)
87706
11.86%
Gross Advances
150301
2.56%
Retail Credit
18328
10.58%
Housing Loan
12512
17.12%

6. OTHER HIGHLIGHTS PARAMETER HIGHLIGHTS Average Saving Deposit
Increased by % (Y-o-Y)
Average CASA Deposit
Increased by % (Y-o-Y)
CASA as a % to
Total Deposits
Increased from 24.21% to 25.91% on Y-o-Y basis i.e. an increase of 170 bps.
Non-Interest Income
Increased by 35.21% (Y-o-Y)
Operating Profit
Sequentially up by 4.37%
Net Profit
Sequentially up from Rs crore to Rs crore
Cost of Deposit
Decreased from 7.50% to 6.71% (Y-o-Y) and sequentially down from 6.87% as on March, 2016 (Q4).
Recovery &
Up-gradation
Increased to Rs. 692 Crore. Rise of 44.52% sequentially.

7. CASA & RETAIL TERM DEPOSITS
(` in Crore)
Parameters
Jun-15
Mar-16
Jun-16
Y-o-Y
Growth
Current
11,276
12,821
12,704
12.67%
Savings
36,174
39,869
40,282
11.36%
CASA
47,450
52,690
52,986
11.67%
CASA % to Total Deposits
24.21%
25.22%
25.91%
170 bps
Retail Term Deposits (below ` 1 Cr.)
78,410
84,811
87,706
11.86%

8. BUSINESS GROWTH 1 Total Deposits 204010 208915 2.40% 195958 204508
(` in Crore)
S. no.
PARAMETERS
FY-15
FY-16
Y-o-Y
Growth
June Q1
June Q1 1
Total Deposits
204010
208915
2.40%
195958
204508
4.36% 2
Total Advances
148039
153639
3.78%
146549
150301
2.56% 3
CASA
49365
52690
6.74%
47450
52986
11.67% 4
Average CASA
42455
45155
6.36%
43730
49565
13.34%

9. TOTAL INCOME (` in Crore) 3841.78 3536.97 3383.07 -11.94% -4.35%
S. NO.
PARAMETERS
Jun-15 Q1
Mar-16 Q4
Jun-16
Variation
Y-o-Y
Q1(17)<>Q4(16) 1
INTEREST ON ADVANCES/BILLS
-11.94%
-4.35% 2
INTEREST ON INVESTMENTS
11.17%
6.05% 3
OTHER INTEREST INCOME
106.55
198.49
99.03
-7.06%
-50.11% 4
TOTAL INTEREST INCOME (1+2+3)
-6.57%
-3.62% 5
COMM. EXCHG. & BROKERAGE
237.63
250.94
246.38
3.68%
-1.82% 6
TRADING PROFIT FROM TREASURY
101.25
137.20
162.63
60.62%
18.53% 7
OTHER INCOME
115.05
105.11
204.76
77.97%
94.81% 8
NON INTEREST INCOME (5+6+7)
453.93
493.25
613.77
35.21%
24.43% 9
TOTAL INCOME (4+8)
-3.16%
-1.08%

10. Variation Q1(17)<>Q4(16)
NON-INTEREST INCOME
(` in Crore)
S. NO.
Parameters
Jun-15 Q1
Mar-16 Q4
Jun-16
Variation Y-o-Y %
Variation Q1(17)<>Q4(16) 1
Credit Related Income
147.29
161.49
151.32
2.74%
-6.30% 2
Other Commission, Exchange & Brokerage
90.34
89.45
95.06
5.22%
6.27% 3
Treasury
101.25
137.20
162.63
60.62%
18.53% 4
Profit on Exchange Transactions
27.26
26.86
24.37
-10.60%
-9.27% 5
Bad Debts W/off earlier recovered
60.47
76.57
146.49
142.25%
91.32% 6
Others
27.32
1.68
33.90
24.08% % 7
Total Non Interest Income
453.93
493.25
613.77
35.21%
24.43%

11. Variation Q1(17)<>Q4(16)
TOTAL EXPENDITURE
(` in Crore)
S. NO.
PARAMETERS
Jun-15 Q1
Mar-16 Q4
Jun-16
Variation Y-o-Y %
Variation Q1(17)<>Q4(16) 1
INTT PAID ON DEPOSITS
-5.88%
-0.62% 2
INTT PAID ON BONDS
126.77
146.76
141.79
11.85%
-3.39% 3
OTHERS
20.79
11.81
7.75
-62.72%
-34.38% 4
TOTAL INTEREST PAID (1+2+3)
-5.60%
-0.84% 5
ESTABLISHMENT EXPENSES
402.01
602.32
538.31
33.90%
-10.63% 6
OTHER OPERATING EXPENSES
335.94
365.89
362.96
8.04%
-0.80% 7
TOTAL OPERATING EXPENSES (5+6)
737.95
968.21
901.27
22.13%
-6.91% 8
TOTAL EXPENSES (4+7)
-1.08%
-2.13%

12. Variation Q1(17)<>Q4(16)
OPERATING PROFIT
(` in Crore)
S. NO.
PARAMETERS
Jun-15 Q1
Mar-16 Q4
Jun-16
Variation Y-o-Y %
Variation Q1(17)<>Q4(16) 1
INTEREST INCOME
-6.57%
-3.62% 2
INTEREST EXPENSES
-5.60%
-0.84% 3
NII (Spread) (1-2)
-9.33%
-11.01% 4
NON INTEREST INCOME
453.93
493.25
613.77
35.21%
24.43% 5
OPERATING EXPENSES
737.95
968.21
901.27
22.13%
-6.91% 6
OPERATING PROFIT
878.73
917.09
-12.20%
4.37%

13. NET PROFIT (` in Crore) 1044.49 878.73 917.09 -12.20% 4.37% 786.65S.
NO.
PARAMETERS
Jun-15 Q1
Mar-16 Q4
Jun-16
Variation
Y-o-Y
(%)
Q1-o-Q4 1
OPERATING PROFIT
878.73
917.09
-12.20%
4.37% 2
PROVISIONS
786.65
857.11
816.40
3.78%
-4.75%
2 a
Prov. for Depreciation on Investment
26.28
-8.92
4.74
-81.96% %
2 b
Prov. for taxes
209.00
66.00
-68.42% %
2 c
Prov. for NPA
595.75
960.93
92.61%
5.61%
2 d
Prov. for Standard Assets
12.20
50.00
19.00
55.74%
-62.00%
2 e
Prov. for Unhedged Forex Exposure
-0.30
-0.20
-5.39
2 f
Other Provisions
-56.28 % % 3
Net Profit (1-2)
257.84
21.62
100.69
-60.95%
365.73%

14. REDUCTION IN COST OF RESOURCES
CASA as %age to Total Deposits has increased from 24.21% to 25.91% (Y-o-Y), i.e., an increase of 170 bps.
Cost of Deposit has declined from 7.50% to 6.71% (Y-o-Y), i.e., a reduction of 79 bps.

15. COST & YIELD RATIOS S. No. PARAMETERS Jun-15 Q1 Mar-16 Q4 Jun-16
Variation
(Y-o-Y)
(Q1-o-Q4) 1
Cost of Deposit
7.50%
6.87%
6.71%
-79 bps
-16 bps 2
Cost of Funds
6.73%
6.18%
6.00%
-73 bps
-18 bps 3
Yield on Advances
11.61%
10.78%
10.61%
-100 bps
-17 bps 4
Yield on Investment (without Profit)
7.59%
7.51%
7.49%
-10 bps
-2 bps 5
Yield on Investment (with Profit)
8.23%
8.33%
8.43%
20 bps
10 bps 6
Yield on Funds
9.09%
8.50%
8.03%
-106 bps
-47 bps 7
Net Interest Margin (NIM)
2.65%
2.36%
-29 bps

16. OTHER RATIOS Mar-16 Q4 S. NO. PARAMETERS Jun-15 Q1 Jun-16 Variation
(Y-o-Y)
Q1 (17)<>
Q4 (16) 1
Business per Employee
(` in Crore)
16.44
16.89
16.26
-1.09%
-3.73% 2
Business per Branch
152.09
154.21
150.92
-0.77%
-2.13% 3
Book Value per share [` ]
447.40
416.72
399.63
-10.68%
-4.10% 4
Cost to Income Ratio
41.40%
52.42%
49.56%
816 bps
-286 bps 5
Return on Equity
7.76%
0.65%
2.96%
-480 bps
231 bps 6
Return on Assets
0.46%
0.04%
0.17%
-29 bps
13 bps

17. CAPITAL ADEQUACY CAPITAL FUND:- S. No PARTICULARS 1 CET - I 13007.29
(` in Crore)
S. No
PARTICULARS
Jun 15
(BASEL III)
Mar 16
Jun 16
CAPITAL FUND:- 1
CET - I
14369 2
Tier I
15341 3
Tier II
4484 4
Total (Tier I + Tier II)
19825 5
Risk-weighted Assets
163175
168599
167662 6
Capital Adequacy ratio (%)
11.07%
11.76%
12.40% 7
CET – I (%)
7.98%
8.52%
8.59% 8
Tier I (%)
9.10%
9.16% 9
Tier II (%)
2.48%
2.66%
3.24%
RMD/TAXATION

18. PRIORITY SECTOR ADVANCES
(` in Crore)
PARAMETERS
Jun-15
March-16
Jun-16
Y-o-Y
% Growth
Total Priority Sector
-0.46%
Total Agriculture
-10.53%
Micro , Small & Medium Enterprises
9.98%
Weaker Section
6.17%

19. RETAIL CREDIT SCHEME June-15 June-16 Y-o-Y % Growth
(` in Crore)
SCHEME
June-15
June-16
Y-o-Y
% Growth
Total Retail Credit
10.58%
% age to Total Advances
11.31%
12.19%
88 bps
Out of which -
Housing Loan
17.12%
Personal Loan
398.17
490.71
23.24%

20. COMPOSITION OF ADVANCES (` in Crore)
S.No.
Sector
Growth since June 2015 1
Retail
16575
18618
18328
10.58%
%age to Total Advance
11.31%
12.12%
12.19% 2
Agriculture (excluding RIDF)
22390
21580
20557
-8.19%
15.28%
14.05%
13.68% 3
MSME (PS +NPS)
26475
30699
28957
9.37%
18.07%
19.98%
19.27%
Total RAM
65440
70897
67842
3.67%
44.65%
46.15%
45.14% 4
Corporate Credit (Other than RAM)
80179
81366
80951
0.96%
54.71%
52.96%
53.86% 5
Other Loans
930
1376
1508
62.15%
0.63%
0.90%
1.00%
Total
146549
153639
150301
2.56%

21. ADVANCES – INDUSTRY/SECTOR-WISE BREAK-UP
Industry Segment
Amt. FB O/s
(` in Crore)
%age to total Industry
%age to total Credit
Iron & Steel
10762
22.67%
7.16%
Textile
7270
15.32%
4.84%
Food Processing
5886
12.40%
3.92%
(Out of which Sugar)
1027
2.16%
0.68%
All Engg.
2760
5.81%
1.84%
Vehicles, Vehicle Parts & Transport Equipments
1615
3.40%
1.07%
Constructions
1712
3.61%
1.14%
Other Metal & Metal Products
788
1.66%
0.52%
Chemical, Dyes, Paints etc.
1779
3.75%
1.18%
(Out of which Pharmaceuticals)
637
1.34%
0.42%
Paper & Paper Product
1384
2.92%
0.92%
Other Industries
13511
28.46%
8.99%
Total Industry
47467
100%
31.58%
NBFC
15724
-- 
10.46%
Commercial Real Estate
8336
5.55%
Food Credit
2580
1.72%
Others
76194
50.69%
Gross Advances
150301

22. EXPOSURE TO INFRASTRUCTURE Break up of exposure to Power Sector
(` in Crore)
Segment
Y-o-Y
Total Infrastructure
32345
26531
-17.97%
Out of which:
- Power
19526
13475
-30.99%
- Ports, Roads & Highways
7487
7865
5.05%
Telecom
2437
2740
12.44%
Break up of exposure to Power Sector
Particular
% to Total Exp.
% to Total Power
Central Govt.
752
0.36%
5.58%
State Govt.
4659
2.21%
34.57%
Private
8064
3.82%
59.85%
Total
13475
6.39%
100.00%

23. INVESTMENT PORTFOLIO BREAK UP
(` in Crore)
As on
As on
CATEGORY
HTM
AFS
HFT
Total
SLR
450.22
0.00
NSLR
357.56
247.18
494.72
TOTAL
697.40
% to Total Portfolio
63.74%
35.06%
1.20%
100.00%
62.98%
36.26%
0.76%
INVESTMENT CELL

24. STANDARD RESTRUCTURED ACCOUNTS
(` In Crore)
S. No
Period of Restructuring
Restructured amount
Additional/ Incremental facilities
Total 1
Upto
7864
1607
9471 2
(Q1)
234
0.00
8098
9705*
(*) Includes aggregate exposure of ` 1156 Crore (11.91 %) to PSUs comprising Discoms (` 794 crore) and Gujarat State Electricity Corporation Ltd (` 362 crore).
CMCDEL

25. STANDARD RESTRUCTURED ACCOUNTS SECTOR WISE
(` in Crore)
S.No
Restructured Accounts
O/s Balance as on 1
State Discoms
794 3
Under CDR
2894 4
Under MSME
306 5
Others
5711 6
Total
9705
Breakup of State Discoms
U P Discom : 577
Haryana Discom (UHBVNL) : 62
Tamil Nadu : 155
CMCDEL

26. STANDARD RESTRUCTURED ACCOUNTS ACTIVITY WISE
(` in Crore)
S.No
Particulars
O/s as on
% of total 1
Infrastructure
3562
36.70% 2
Textiles
160
1.65% 3
Iron & steel
1490
15.35% 4
Paper 35
0.36%  5
Agriculture
1060
10.92% 6
Sugar
498
5.13%  7
Others
2900
29.89%
Total
9705 %
Break up of Infrastructure
Amt
State Discoms
794
Telecom
159
Power Generation
1089
Roads ,Highways & Ports
1104
Others
416
Total
3562
CMCDEL

27. NPA
(` in Crore) S.
NO.
PARAMETERS
Jun-15
Mar-16
Jun-16 1
Gross NPA 2
Gross NPA as % of Gross Advances
5.85%
9.57%
11.45% 3
Net NPA 4
Net NPA as a % of Net Advances
3.76%
6.70%
8.11% 5
Provision Coverage Ratio
59.55%
51.16%
49.33%
NPA

28. NPA MOVEMENT (` in Crore) 7666.22 11824.90 14701.78 691.13 1142.30
S.No
PARTICULAR
Jun-15 Q1
March-16 Q4
Jun-16 1
Opening Gross NPAs 2
Recovery in Ledger Balance
169.17
383.46
258.77 3
Up gradation
292.16
7.96
265.33 4
Write Off
229.80
750.88
432.58 5
Total Reduction (2+3+4)
691.13
956.68 6
Fresh Addition 7
Closing Gross NPAs 8
Provision 9
Closing Net NPAs
10-a
Cash Recovery in Bad Debt Written-off
60.47
76.57
146.50
10-b
Cash Recovery in Recorded Interest
24.27
10.62
21.09 10
Total Cash Recovery in Revenue i.e.(10a+10b)
84.74
87.19
167.59 11
Total Recovery including upgradation (2+3+10)
546.07
478.61
691.69
NPA

29. COMPOSITION OF NPA (` in Crore) Sector/ Industries O/s Jun-15 NPA
to O/s in the Sector jun-15
% of NPA to
Gross NPA
Mar-16
% of NPA to O/s in the Sector Mar-16
Jun-16
% of NPA to O/s in the Sector Jun-16
Retail
16575
373
2.25%
4.35%
18618
302
1.62%
2.05%
18328
319
1.74%
1.85%
Agriculture
(Excl.RIDF)
22390
1450
6.48%
16.91%
21580
1365
6.33%
9.28%
20557
1288
6.27%
7.48%
MSME
26475
1923
7.26%
22.42%
30699
2335
7.61%
15.88%
28957
2631
9.09%
15.29%
Total RAM
65440
3746
5.96%
43.67%
70897
4002
5.64%
27.22%
67842
4238
6.25%
24.63%
Corporate Credit other than RAM
81109
4831
56.33%
82742
10700
12.93%
72.78%
82459
12970
15.73%
75.37%
Total Advances
146549
8577
5.85%
100%
153639
14702
9.57%
150301
17208
11.45%
100.00%

30. OTHER SECTORAL NPA (` in Crore) Sector/ Industries O/s Jun-15 NPA
% of NPA
to O/s in the Sector Jun-15
% of NPA to
Gross NPA
jun-15
Mar-16
% of NPA to O/s in the Sector Mar-16
Jun-16
% of NPA to O/s in the Sector Jun-16
Infrastructure
24833
611
2.46%
7.12%
21664
1047
4.83%
19799
1131
5.71%
6.57%
Textile
7368
918
12.46%
10.70%
7622
1203
15.78%
8.18%
7270
1860
25.58%
10.81%
Iron & Steel
9766
1112
11.39%
12.96%
10854
5295
48.78%
36.02%
10762
6101
56.69%
35.45%
Food Proc.
5559
550
9.89%
6.41%
5825
422
7.24%
2.87%
5886
530
9.00%
3.08%
NBFC
14081
0.00%
16812 21
0.12%
0.14%
15724 25
0.16%
0.15%

31. HUMAN RESOURCES
20200

32. CHANNELS %AGE TRANSACTIONS

33. ADC & MARKETING INITIATIVES (Q1 FY 2016-17)
Facility for Registration for Mobile Banking Services through Internet Banking has been launched.
The facility of Inter Bank Mobile Banking registration through ATMs has been introduced. Now our Bank’s cardholder can register for mobile banking through other bank’s ATM in addition to bank’s own ATMs.
Pre-Authorisation of Shopping Mall Transactions Without Workflow For ‘Corporate Users’ wherein all the customers having Corporate Net Banking facility has been enabled for eCommerce transaction.
Bank has launched the facility for Online Share trading platform in tie-up with ‘Kotak Securities Ltd’ in addition to the existing tie-up with ‘Geojit BNP Paribas Financial Services Ltd’, ‘IDBI Capital’ & ‘Karvy Stock Broking Ltd’.
A special Current account linked with POS facility has been launched christened as“ORIENTAL MERCHANT CURRENT ACCOUNT’.

34. Thank You