6. Asset Quality Ratio
Year 31-03-2010 31-03-2011 31-03-2012 31-03-2013
Gross loans or Credit 83489 96839 111977 130186
Gross NPA 1468.75 1920.54 3580.49 4183.96
NPA provisions 744.93 982.39 1121.46 1281.3
Net NPA (2-3) 723.82 938.15 2459.03 2902.66
Net loan or credit (1-3) 82744.07 95856.61 110855.54 128904.7
Gross NPA ratio (Gross NPA to Gross Credit)= 2/1 0.01 0.01 0.03 0.03
Net NPA ratio (Net NPA to Net Credit) = 4/5 0.08 0.09 0.02 0.02
Povision Coverage Ratio (PCR) = 3/2 0.5 0.51 0.31 0.3
Asset Quality Ratio
ORIENTAL
BANK OF
COMMERCE
Year 31-03-2010 31-03-2011 31-03-2012 31-03-2013
Gross loans or Credit 71604 94571 112250 130936
Gross NPA 1221.8 1647.92 2058.98 5136.99
NPA provisions 751.65 911.55 967.28 1010
Net NPA (2-3) 470.15 736.37 1091.7 4126.76
Net loan or credit (1-3) 70852.35 93659.45 111282.72 129926
Gross NPA ratio (Gross NPA to Gross Credit)= 2/1 0.017 0.0174 0.0183 0.0392
Net NPA ratio (Net NPA to Net Credit) = 4/5 0.0066 0.0078 0.0098 0.0317
Povision Coverage Ratio (PCR) = 3/2 0.6151 0.5531 0.4697 0.1966
ALLAHABAD
BANK
7. ORIENTAL BANK OF
COMMERCE
0.6
0.5
0.4
0.3
0.2
0.1
0
Asset Quality Ratio
1 2 3 4
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
0.7
0.6
0.5
0.4
0.3
0.2
0.1
0
ALLAHABAD BANK
Asset Quality Ratio
1/1/2010 1/1/2011 1/1/2012 1/1/2013
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
8. PERFORMANCE &P ePrRfoOrmFIaTnAcBeI LaInTdY PRrAoTfiItOability Ratio
Year 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
9. Performance and Profitability Ratio
Year 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
10. ORIENTAL BANK OF
COMMERCE
5000
4500
4000
3500
3000
2500
2000
1500
1000
500
0
NIM
1/1/2010 1/1/2011 1/1/2012 1/1/2013
4
3.5
3
2.5
2
1.5
1
0.5
0
ALLAHABAD BANK
NIM
1/1/2010 1/1/2011 1/1/2012 1/1/2013
14. Productivity Ratio
ORIENTAL BANK OF COMMERCE
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 0.66
Avg. business per branch 135.11 145.61 151.2 153.04
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 0.43
Avg. business per branch 77.71 93.77 108.04 114.01
15. ALLAHABAD BANK
0.8
0.7
0.6
0.5
0.4
0.3
0.2
0.1
0
Prodcutivity Ratio
1/1/2010 1/1/2011 1/1/2012 1/1/2013
Avg. profit per employee (Net Income/avg. no. of employees) Avg. profit per branch
16. 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
OREIENTAL
BANK OF
COMMERCE
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
ALLAHABAD
BANK
17. ORIENTAL BANK OF
COMMERCE
16.00%
14.00%
12.00%
10.00%
8.00%
6.00%
4.00%
2.00%
0.00%
Solvency Ratios
1/1/2011 1/1/2012 1/1/2013
CAR or CRAR (Basel-1) N.A. CAR or CRAR (Basel-2) N.A.
10
9
8
7
6
5
4
3
2
1
0
ALLAHABAD BANK
Solvency Ratios
1/1/2010 1/1/2011 1/1/2012 1/1/2013
CAR or CRAR (Basel-1) CAR or CRAR (Basel-2)