This document analyzes the performance and profitability of two banks, Oriental Bank of Commerce and Allahabad Bank, over multiple years between 2010-2014. It provides data on key financial metrics like deposits, advances, non-performing assets, net interest margin, return on assets, return on equity, and capital adequacy ratios. The summary shows that deposits and advances grew for both banks over the years but Allahabad Bank saw higher growth. Asset quality declined for Oriental Bank as non-performing assets increased substantially in 2013 while remaining relatively stable for Allahabad Bank. Profitability metrics like net interest margin, return on assets and return on equity were generally higher for Oriental Bank.

1. BANK PERFORMANCE
&
PROFITABILITY ANALYSIS
GROUP -7
HITESH GIROTRA (2013119)
JATIN AGARWA (2013123)
MEET SABARWAL (2013149)
MRIGANG SAURABH DWIVEDI (2013158)
NAVYA MUKHI (2013162)

2. Balance Sheet Parameters
Year 31-03-2011 31-03-2012 31-03-2013 31-03-2014
Deposits 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 334253
Growth 15.38% 14.04% 13.78% 9.20%
CASA ratio (CASA/Total deposits) 0.25 0.24 0.25 0.24
Shareholders’ equity 292 292 292 299
TOTAL ASSETS 161343 178130 200697 220302
Balance Sheet Parameters
ORIENTAL
BANK OF
COMMERCE
Year 31-03-2011 31-03-2012 31-03-2013 31-03-2014
Deposits 131887 159593 178742 190843
Growth/change(YOY) 24.36 21.01 12 6.77
Advances 94571 112250 130936 138007
Growth 30.56 18.69 16.65 6.57
Total business mix (deposits+advances) 226458 271843 309678 328850
Growth 26.87 20.04 13.92 6.19
CASA ratio (CASA/Total deposits) 33.50% 30.50% 30.30% 31.20%
Shareholders’ equity 7642.92 9646.88 11352.52 11800.73
TOTAL ASSETS 1512863.609 182934.5678 204373.1889 220434.28
ALLAHABAD
BANK

3. BALANCE SHEET PARAMETERS
35.00%
30.00%
25.00%
20.00%
15.00%
10.00%
5.00%
0.00%
Deposits Growth/change(YOY)
1/1/2011 1/1/2012 1/1/2013 1/1/2014
25
20
15
10
5
0
Deposits Growth/change(YOY)
1/1/2011 1/1/2012 1/1/2013 1/1/2014
ORIENTAL BAK OF
COMMERCE
ALLAHABAD BANK

4. 0.25
0.248
0.246
0.244
0.242
0.24
0.238
0.236
0.234
CASA ratio (CASA/Total deposits)
1/1/2011 1/1/2012 1/1/2013 1/1/2014
33.50%
33.00%
32.50%
32.00%
31.50%
31.00%
30.50%
30.00%
29.50%
29.00%
28.50%
CASA ratio (CASA/Total deposits)
1/1/2011 1/1/2012 1/1/2013 1/1/2014
ORIENTAL BANK OF
COMMERCE
ALLAHABAD BANK

5. ORIENTAL BANK OF
COMMERCE
18.00%
16.00%
14.00%
12.00%
10.00%
8.00%
6.00%
4.00%
2.00%
0.00%
Advances Growth (YOY)
1/1/2011 1/1/2012 1/1/2013 1/1/2014
35
30
25
20
15
10
5
0
ALLAHABAD BANK
Advances Growth (YOY)
1/1/2011 1/1/2012 1/1/2013 1/1/2014

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

11. ORIENTAL BANK
OF COMMERCE
12
10
8
6
4
2
0
NPM
1/1/2010 1/1/2011 1/1/2012 1/1/2013
14
12
10
8
6
4
2
0
ALLAHABAD BANK
NPM
1/1/2010 1/1/2011 1/1/2012 1/1/2013

12. ORIENTAL BANK
OF COMMERCE
1.2
1
0.8
0.6
0.4
0.2
0
ROA (AU*NPM)
1/1/2010 1/1/2011 1/1/2012 1/1/2013
250
200
150
100
50
0
ALLAHABAD BANK
ROA (AU*NPM)
1/1/2010 1/1/2011 1/1/2012 1/1/2013

13. ORIENTAL BANK
OF COMMERCE
600
500
400
300
200
100
0
ROE (ROA*EM)
1/1/2010 1/1/2011 1/1/2012 1/1/2013
100000
90000
80000
70000
60000
50000
40000
30000
20000
10000
0
ALLAHABAD BANK
ROE (ROA*EM)
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)

18. THANK YOU!!!