CORPORATION BANKHead Office, Mangalore – 575 001

Financial Highlights H1- FY2011-12 1

Udupi - Heritage Museum & Financial Research Centre

2

Contents of Presentation

An Overview of the Bank

Performance Highlights

I T initiativesFinancial Inclusion & New

initiativesAwards & Recognition

Looking forward

2

3

► Corporation Bank was founded in the Year 1906 in Udupi a small town in South India

► Nationalized in the year 1980 and went public in 1998

► The Bank holds a unique record of posting profits right from inception

► Uninterrupted dividend payment track record since inception – Declared highest ever Dividend of 200% for FY2010-11

► A Mid sized Bank which is a leader in Technology Adoption and financial inclusion

The Bank

4

Time Line

Established at Udupi in Karnataka State by Shri Haji Abdullah Haji Bahadur Saheb Bahadur

Head Office shifted to Mangalore

1906

1961

Bank was Nationalised1980

First Bank to launch Cash Management Services1991

Bank came out with IPO and was oversubscribed by 10.8 times

1998

Bank Operationalised inter connected ATM network and launched Internet Banking facility

2001

2006 Bank celebrated Centenary Year and crossed `50,000 crore of Total Business

Bank implemented Core Banking solutions at all branches

2006

Bank crossed `200,000 crore of Total Business and declared highest ever 200% Dividend

2011

5FY2002

+4KFY2003

+3KFY2004

+4KFY2005

+8KFY2006

+11KFY2007

+16KFY2008

+22KFY2009

+28KFY2010

+33KFY2011

+48K

18924 21725 2319127233

32876

42357

55424

73984

92734

116748

10987 12029 1389018546

2396229950

3918648512

63202

86850

2991133754 37081

45779

56838

72307

94610

122496

155936

203598

Deposits AdvancesTotal Business Polynomial (Total Business)

` in Crore

Total Business doubled in THREE years span and 8 times in 10 years

Sustained Business growth over last decade

6

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011

2046.242370.20

2768.653054.92

3374.893765.45

4228.51

4896.51

5774.87

7137.81

Net Worth over last decade

` in Crore

Net worth increased by 3.5 times over 10 years span

7

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011

623

852 907

1057954

11401251

1797

2137

2622

308416

504402 444

536

735

893

1170

1413

Operating ProfitMoving average (Operating Profit)Moving average (Operating Profit)Net ProfitPolynomial (Net Profit)

Profit growth over last decade

Operating Profit increased by 4 times in last decade & doubled in last 3 years span

Net Profit increased by 4.5 times in last decade & almost doubled in last 3 years span

` in Crore

8

Financials

FY 2011-12 – Half year / Q2

FY 2012 – Q2 Highlights

NET PROFIT

`401 Crore

OPERATING PROFIT

`700 Crore

NET INTEREST INCOME

`744 Crore

Income

`3489 Crore

NET PROFIT

`752 Crore

OPERATING PROFIT

` 1276 Crore

NET INTEREST INCOME

`1451 Crore

Income

`6757 Crore

FY 2012 Highlights - 6 months

9.8% 6.9% 2.7% 44.4%

14.0% 22.1% 6.8% 46.4%

Growth % Y-O-Y 9

Profitability

Net Profit Operating Profit

351.73

573.48

401.11

700.13

Q2 FY11 Q2 FY12

Net Profit Operating Profit

685.51

1193.87

752.56

1276.54

Sept-10(6M) Sept-11(6M)

(` in crore)

10

FY 2011 Q2

FY 2012 Q2

Growth %Q2/Q2

FY 2011 H1

FY 2012 H1

Growth %Y-O-Y

Operating Profit 573.48 700.13 22.1% 1193.87 1276.54 6.92%

Net Profit 351.73 401.11 14.0% 685.51 752.56 9.78%

Book Value per Share

379.91

450.39

532.67

FY10(H1) FY 11(H1)FY 12(H1)

(In `) Earning per Share

77.09

95.58101.61

FY 10(H1) FY 11(H1)FY 12(H1)

11

Shareholder Returns

Dividend paid

125%

165%

200%

FY 2009 FY 2010FY 2011

(annualised)

Sept-07 Sept-08 Sept-09 Sept-10 Sept-11

Total Business 78,408 103,825 133,456 166,700 202,247

Growth [y-o-y %] 18.76% 32.42% 28.54% 24.91% 21.32%

Total business growth y-o-y `35,547 crore

Total business growth y-o-y 21.32%

Total business has almost doubled within a span of 3 years 78408

103825

133456

166700

202247

Sep-07 Sep-08 Sep-09 Sep-10 Sep-11

(` in crore)

TOTAL BUSINESS

Deposits grew at 24.45% y-o-y to reach `120,613 crore

Average Deposits grew at 29.84% to reach `114,320 crore

CASA grew at 8.41% y-o-y to `26,306 crore as on 30.09.11

SB; 16645

CA; 9660

TERMDEP; 94308

DEPOSITS BREAKUP

SB CA TERMDEP

(13.8%)

(8%)

` in Crore

13

Savings Bank Deposits

14850 16645

Sep-10 Sep-11

12.09% y-o-y

CASA

24264

26306

Sep-10 Sep-11

Deposits Portfolio

21.8% of Deposits

(78.2%)

Advances portfolio achieved a steady growth.

Advances grew at 17% y-o-y to reach `81,634 crore

Average advances grew at 28.68% y-o-y to reach `77,030 crore

Major component of loan book was Large Industries (39.3)

SME advances grew by 57.4% y-o-y

Yield on advances increased to 11.46% as against 9.59% in H1 of FY2011

Agriculture, 5779, 7%

SME, 12793, 16%

Large Industry, 32073, 39%

Retail, 16072, 20%

Wholesal

e Trad

e, 992, 1%

Food

Credit, 1379,

2%

Others, 12546,

15%

ADVANCES BREAKUP

Agriculture SME

Large Industry Retail

Wholesale Trade Food Credit

Others

` in Crore

14

Healthy growth of Credit

[` in Crore]

* Capital market as % to Net worth of March 2011**Guarantees on behalf of brokers Rs.421 crore, Advances against shares Rs.68 crore, advances to brokers Rs.10 crore

Sector Mar-11 Sep-10 Sep-11 Growth % (y-o-y)

% to NBC as at Sep ‘11

a. Real Estate 13,576 9,690 13,550 39.8% 16.6%

Housing - Direct 6,025 4,908 6,323 28.8% 7.7%

Housing - Indirect 4,617 1,901 4,256 123.9% 5.2%

Comm. Real Estate 2,934 2,881 2,971 3.1% 3.6%

Of Comm. Real Estate:

Corp Rental 729 976 620 -36.5% 0.8%

Builders 1,795 1,531 1,752 14.4% 2.1%

Others 510 384 599 56.0% 0.7%

b. Capital Market * 1,331 1,111 1,234 11.1% 1.5%

Credit ** 673 527 606 15.0% 0.7%

Investment (Equity) 658 584 628 7.5% 0.8%

c. Commodities 767 701 782 11.6% 1.0%

Total 15,674 11,502 15,566 35.3% 19.1%

d. NBFC 4220 2678 3484 30.1% 4.3%

- of which M F I 701 446 627 40.58% 0.7%

15

Exposure to sensitive sector

Sept 2010

Sept 2011

% to total NBC

[Sept-11 [%]

Deployment to Total

Sept-10 [%]

Deployment to Total

Sept-11[%]

Growth % S’11/S10

y-o-y

Infrastructure [Breakup in next slide]

11,377

12,838 15.7% 32.1% 29.2% 12.8%

Chemicals, Dyes, Paints 2,586 2,165 2.7% 7.3% 4.9% -16.3%

Engineering 2,179 2,556 3.1% 6.1% 5.8% 17.3%

Gems & Jewellery 1,265 1,848 2.3% 3.6% 4.2% 46.1%

Textiles 2,828 3,419 4.2% 8.0% 7.8% 20.9%

Iron & Steel 2,147 2,326 2.8% 6.1% 5.3% 8.3%

Metals & Metal Products 905 1,347 1.7% 2.6% 3.1% 48.8%

Petroleum 3,101 992 1.2% 8.7% 2.3% -68.0%

Food Processing 1,199 1794 2.2% 3.4% 4.1% 49.6%

Cement 1,059 935 1.1% 3.0% 2.1% -11.7%

Others 6,790 13,739 16.8% 19.1% 31.2% 102.3%

Total35,43

643,95

9 53.8% 100% 100% 24.1%

16

Industry wise Credit exposure[` in Crore]

[` in Crore]

INFRASTRUCTURE – BREAK UP

Sept-10 % to NBC Sept 10

Sept-11 % to NBC Sept 11

% growth over Sept 10

Power 6,578 9.4% 6,663 8.2% 1.3%

Telecomn. 1,475 2.1% 2,056 2.5% 39.4%

Roads & Ports 1,239 1.8% 1,540 1.9% 24.3%

Hospitals 98 0.1% 112 0.1% 14.3%

Educational Institutions

608 0.9% 745 0.9% 22.5%

Others* 1,379 2.0% 1,722 2.1% 24.9%

Total 11,377 16.3% 12,838 15.7% 12.8%

*Others include Info Park, SEZ, Construction relating to projects involving agro-processing / storage of agro products, etc.

17

Industry wise Credit exposure (contd..)

Mar-11 Sep-10 Sep-11 Y-o-y Growth %

15,671 12,516 16,072 28.4%

18.0% to NBC

17.93% to NBC

19.70% to NBC

Housing, 53%

Education, 10%

Vehicle, 6%

Mortgage, 5%

Personal, 2%

Corp Vyapar, 2%

Corp Mitra, 1%

Other Schemes, 22%

[` in Crore]

Segment Amount % to NBC

Housing 8,524 10.4%

Vehicle 1,596 2.0%

Education 1,015 1.2%

Mortgage 772 0.9%

Personal 242 0.3%

CorpVyapar 274 0.3%

Corp Mitra 130 0.2%

Others 3,519 4.3%

Total 16,072 19.7%

18

Retail lending

[` in crore]

Particulars Mar-11 Sept-10 Sept-11*

Agriculture% to ANBC

5,5138.72%

6,88310.89%

5,7796.65%

Small Enterprises% to ANBC

10,70716.94%

7,25911.49%

11,88613.69%

Other Priority Sectors% to ANBC

7,98012.63%

6,96511.02%

8,1029.33%

Total Priority Sector Deployment% to ANBC

24,199

38.29%

21,107

33.40%

25,767

29.67%

Priority Sector Lending

* ANBC as on 31st March 2011 is Rs.86,850 crore

PARTICULARS 30.09.2010 [H1]

30.09.2011 [H1]

Growth (%) Sep 11/Sep

10

Total Income 4,678.10 6,757.48 44.45%

Interest Income 4,126.22 6,069.06 47.09%

a) from Advances 2,871.56 4,414.59 53.74%

b) from Investments 1,123.53 1,449.05 28.97%

c) Others (Swap, RIDF, Call) 131.13 205.42 56.65%

Non-interest Income 551.88 688.42 24.74%

Of which : Core Area Non core area

324.86227.02

385.19303.23

18.57%33.57%

` in Crore

20

Total Income

Sep 2010 [H1]

Sep 2011 [H1]

Growth (%) (Sep 11/Sep 10)

Non-interest Income from Core areas (Comm. Exchange, Brokerage)

324.86 385.19 18.57%

Breakup of Non-interest income from Non-core Areas: 227.02 303.23 33.57%

Profit on Exchange Trans. 39.53 50.52 27.81%

Profit on Sale of Investments 77.60 157.56 103.05%

Dividend on Shares 3.62 7.10 95.91%

Cash Management Services 16.40 16.12 -1.73%

Bad Debts Recovery / Write back 89.87 71.93 -19.97%

Total Non-Interest Income 551.88 688.42 24.74%

Non-Interest income excluding Profit on sale of investments 474.28 530.86 11.93%

(` in crore)

21

Non-interest Income

Fee Income

324.86

385.19H1 FY11 H1 FY12

(` in crore)

22

Increase y-o-y 18.57%

Fee Income – Core Areas

52.7356.49

63.54

79.17

22.5028.04

82.72

Fee Income – Breakup

23

PARTICULARS 30.09.2010 [H1]

30.09.2011 [H1]

Variance % (Sep 11/Sep

10)

Total Expenses 3,484.23 5,480.94 57.31%

Interest Expenses 2,773.03 4,617.90 66.53%

a) Interest on Deposits 2,375.86 4,239.56 78.44%

b) Interest on Borrowings 397.17 378.34 -4.74%

Operating Expenses 711.20 863.04 21.35%

a) Salaries 357.37 449.84 25.87%

b) Other Operating Expenses

353.83 413.20 16.78%

Salaries (Excl. of AS15 Provisions) 277.37 308.84 11.35%

AS-15 Provisions [excluding 2nd option for pension] 80.00 85.70 7.12%

AS-15 Provisions - 2nd option for pension 0.00 55.30 100%

Total Salaries 357.37 449.84 25.87%

(` in crore)Total Expenses

Break up of Salaries

Net Interest Income

1353.19

1451.16H1 FY11 H1 FY12

FY 07 FY 08 FY 09 FY 10 FY 11

NII 1,308 1,443 1,574 1,903 2,940

% Growth

15.9% 10.3% 9.1% 20.9% 54.4%

NII for the last 5 years

(` in crore)

24

Net Interest Income

Net Interest Income

695.97

743.60Q2 FY11 Q2 FY12

Particulars Jun 11 [Q1]

Sep 10 [Q2]

Sep 11 [Q2]

Growth S’11/S’10 Abs %

Growth Q2 /Q1Abs %

Interest Income 2,978.32 2,138.84 3,090.74 951.90 44.5% 112.42 3.8%Non-interest Income 289.69 245.40 398.73 153.33 62.5% 109.04 37.6%Non-int. income from core areas (Comm. Exch., Brokerage) 186.27 162.76 198.92 36.16 22.2% 12.65 6.8%

Non-Int . Income from Non-core areas 103.42 82.64 199.81 117.17 141.77% 96.39 93.2%

Total Income 3,268.01 2,384.24 3,489.47 1,105.23 46.4% 221.46 6.8%Interest Expenses 2,270.76 1,442.87 2,347.14 904.27 62.7% 76.38 3.4%Salaries etc. 215.11 186.60 234.73 48.13 25.79% 19.62 9.1%Other Operating Expenses 205.73 181.29 207.47 26.18 14.4% 1.74 0.8%

Total Expenses 2,691.60 1,810.76 2,789.34 978.58 54.0% 97.74 3.6%Interest Spread 707.56 695.97 743.60 47.63 6.8% 36.04 5.1%Provisions & Contingencies 224.96 221.75 299.02 77.27 34.8% 74.06 32.9%

(` in crore)

Income / Expenses Quarterly Comparison

26

PARTICULARS Sept 2010 [H1]

Sept 2011 [H1]

Operating Profit 1,193.87 1,276.54

Provisions 508.36 523.98

a. For Bad & Doubt Debts 207.08 262.80

b. On Standard Assets 0.00 0.00

c. Investment Depreciation 16.55 89.82

d. Income Tax 284.12 151.97

e. Others* 0.61 19.39

Net Profit 685.51 752.56

(` in crore)Break up of Provisions

*Others include Rs. 16.87crore towards Sacrifice amount of RestructuredAdvances & Rs.2.51 crore towards others. Operating Profit after providing for Rs.55.30 crore towards 1/2 amount of amortised 2nd option pension liability and other AS15 provisions of Rs.85.70 crore.

March’11 Sep’11

Net Worth (` in crore)

7,138 7,890

CRAR- Basel I 12.90% 13.31%

Tier I 7.95% 8.19%

Tier II 4.95% 5.12%

CRAR – Basel II 14.11% 13.58%

Tier I 8.69% 8.36%

Tier II 5.42% 5.22%

• Bank is well capitalised• CRAR 13.58%

CRAR UNDER BASEL II

CRAR TIER I TIER II

14.11%

8.69%

5.42%

13.58%

8.36%

5.22%

Mar 11 Sep 11

27

Government of India has contributed Rs.309 crore to equity capital in March 2011.Current year profit not reckoned for CRAR

Capital adequacy

28

Cost/ Yield/ NIM [annualised]

Mar 11 (FY)

June 11 (Q1)

Sept 11 [Q2]

Sept 10 [H1]

Sept 11 [H1]

EARNING RATIOS:

a Cost of Deposits 5.74% 7.27% 7.56% 5.40% 7.42%

b Cost of Funds 5.31% 6.73% 6.84% 5.06% 6.79%

c Yield on Advances 10.05% 11.15%11.75

% 9.59% 11.46%

d Yield on Investments 7.19% 7.68% 7.78% 7.01% 7.73%

e Yield on Funds 7.83% 8.83% 9.00% 7.53% 8.92%

fInterest Spread (NIM)

2.85% 2.41% 2.43% 2.82% 2.42%

Key Ratios

Mar 11 [FY]

June 11 (Q1)

Sep11 (Q2)

Sep10 (H1)

Sep11 (H1)

Earnings / Efficiency Ratios:

a. Cost to Income Ratio 38.50% 42.20% 38.71% 37.33% 40.34%

b. Operating Expenses To AWF 1.41% 1.25% 1.29% 1.30% 1.27%

c. Net Profit to Total income 13.51% 10.75% 11.49% 14.65% 11.14%

d. Return on Assets (%) 1.21% 1.04% 1.17% 1.25% 1.11%

e.Return on Equity (%) (Net Profit / Net Worth)

20.70% 18.77% 20.33% 21.22% 19.08%

f. Asset Utilisation (%)(Operating Profit to Average Working Fund)

2.25% 1.71% 2.04% 2.18% 1.88%

g. Earning Per Share (`) 98.50 94.90 108.31 95.58 101.61

h. Book Value Per Share (`) 497.62 505.59 532.67 450.39 532.67

29

Key Ratios

{Ratios annualised}

30

Key Ratios – Quarterly Comparison

Cost/ Yield/ NIM/ROA

FY 2010-11 FY 2011-12

Sep (Q2)

Dec (Q3)

Mar (Q4)

Jun (Q1)

Sep(Q2)

EARNING RATIOS:

a Cost of Deposits 5.60% 5.72% 6.40% 7.27% 7.56%

b Yield on Advances 9.82% 10.12% 10.52% 11.15% 11.75%

c Yield on Investments 7.06% 7.30% 7.44% 7.68% 7.78%

d Interest Spread (NIM) 2.88% 2.96% 2.77% 2.41% 2.43%

e Cost to Income Ratio 39.08% 33.96% 40.38% 42.20% 38.71%

f ROA 1.30% 1.23% 1.12% 1.04% 1.17%

31

Mar 11(FY)

June 11 (Q1)

Sept 10 (H1)

Sept 11 [H1]

a. Business per Employee 1572.79 1,514.72 1,333.81 1,547.30

b.Net Profit per Employee (Annualised) 10.92 10.83 10.97 11.51

c. Net Profit per Branch (Annualised)

103.84 103.22 116.58 109.46

d.Average Business per Branch 11557.90 14,189.94 12,577.55 13,916.36

e.Total Business per Branch

14,959.43 14,440.98 14,175.18 14,708.87

[Rs. In lakhs]

Productivity Ratios

• Investment growth (y-o-y) `23.69 crores

• Average Investments growth (y-o-y) 16.91%

Sept 2010 Sept 2011 Growth %

Investments of which : Mutual Funds RIDF

39,032642

3368

48,27813184056

23.69%

Investments excl. RIDF/MF 34,265 42,904 25.21%

Trading Profit 77.60 157.56 103.05%

Yield on Inv. [%] 7.01% 7.73%

[` In crore]

32

Investments

Sep-09 Sep-10 Sep-11

3616439032

48278

Investments

Duration [Yrs] Sep-09 Sep-10 Sep-11

AFS 2.97 2.09 1.42

HFT 0.57 1.17 0.56

Category (Incl. Of MF/RIDF) % to total

Sep-09 Sep-10 Sep-11

HFT 0.67% 0.65% 0.81%

AFS 37.53% 27.31% 25.92%

HTM 61.80% 72.04% 73.27%

Category (Excl. Of MF/RIDF) % to total

Sep-09 Sep-10 Sep-11

HFT 0.95% 0.74% 0.91%

AFS 21.58% 29.71% 26.19%

HTM 77.47% 69.55% 72.90%

33

Treasury Management

` in Crores

34

Movement of NPAs

30.09.10 31.03.11 30.09.11

Gross NPAs at the beginning of the year

650.94 650.94 790.23

Add: Additions 346.12 812.94 665.54

Less: Recoveries Up-gradation write off

39.4849.14

168.14

68.4462.51

542.70

32.7051.16

291.93

Gross NPA at the end of the period

740.30 790.23 1,079.98

Gross Credit 70,203 87,213 81,935

Gross NPA % 1.05% 0.91% 1.32%

Net NPA 269.56 397.74 745.02

Net NPA % 0.39% 0.46% 0.91%

Provision Coverage Ratio 78.51% 74.70% 84.72%

35

SECTOR

NPASep-10 Mar-11 Sep-11

A/cs Amt% of NPA

to Exp.A/cs Amt

% of NPA to Exp.

A/cs Amt% of

NPA to Exp.

PRIORITY                                     AGRICULTURE 23977 172.58 2.56 26499 216.93 3.94 12837 216.40 3.75  SME 11891 111.38 1.37 10608 110.60 1.03 5090 181.57 1.53  OTHER PRIORITY 26406 212.52 3.05 22125 136.29 1.71 9385 170.84 2.11  TOTAL 62274 496.48 2.37 59232 463.82 1.92 27312 568.81 2.21

NON- PRIORITY  

LARGE INDUSTRY 40 68.60 0.21 19 140.91 0.40 28 281.15 0.64

  WHOLESALE TRADE

97 5.81 0.58 57 9.49 0.86 36 3.44 0.35

  OTHERS 25308 169.41 1.09 23096 176.01 0.64 10562 226.58 2.02  TOTAL 25445 243.82 0.50 23172 326.41 0.52 10626 511.17 0.91  GRAND TOTAL 87719 740.30 1.05 82404 790.23 0.91 37938 1079.98 1.32

Sector wise NPAs ` in Crores

36

SECTOR

DELINQUENCYSep-10 Mar-11 Sep-11

A/cs Amt% of

Dlq. to Exp.

A/cs Amt% of

Dlq. to Exp.

A/cs Amt% of

Dlq. to Exp.

PRIORITY                                     AGRICULTURE 8007 125.01 1.86 12464 209.32 3.80 5025 65.22 1.13                   SME 1166 44.75 0.55 1590 59.70 0.56 1783 109.89 0.92                   OTHER PRIORITY 3850 58.99 0.85 5335 61.34 0.77 5108 120.61 1.49                   TOTAL 13023 228.75 0.85 19389 330.36 1.36 11916 295.72 1.15NON- PRIORITY                                     LARGE INDUSTRY 4 55.92 0.17 8 201.33 0.58 11 177.68 0.40                   WHOLESALE TRADE 13 4.20 0.42 16 11.66 1.06 19 7.85 0.79                   OTHERS 4156 57.25 0.37 5306 269.59 0.98 5789 184.29 1.64                   TOTAL 4173 117.37 0.24 5330 482.58 0.77 5819 369.82 0.66                   GRAND TOTAL 17196 346.12 0.42 24719 812.94 0.93 17735 665.54 0.81

Sector wise Delinquency ` in Crores

(` in crores)

Sl No

Item Number Amt

1 Proposals approved and implemented up to 30.09.2011

15004 3,797.92

2 Proposals approved and implemented up to 31.03.0901.04.09 to 31.03.1001.04.10 to 31.03.1101.04.11 to 30.09.11

4,7287,6411852

783

2,406.00357.87380.01645.04

3 % of Restructured accounts to Advances 4.64%

37

Restructured Accounts

Period ended → 30.09.10 30.09.11

Branches 1176 1375

ATMs 1159 1256

Branchless Banking Units [Grameen Vikas Kendras]

1408 2618

Total 3743 5249

Growth y-o-y BranchesATMsGVKs

96121837

19997

1210

The Bank has 2 representative offices at Dubai & HongKong38

Branch Network

J&K1/1

HP10/5

DELHI74/133

UTTARAKHAND7/5

CHANDIGARH4/6

PUNJAB39/32

RAJASTHAN29/22

KARNATAKA347/364

ANDHRA133/92

TN141/133

KERALA79/49

P’CHERY2/1

GOA46/26

MAHARASHTRA 139/122

GUJARATH 69/59

ORISSA13/10

CHATTISGARH14/8

MADHYAPRADESH28/24

UP89/70

WB41/36

ASSAM5/1

BIHAR7/6

JHARKHAND6/5

MEGHALAYA2/1

SIKKIM1/1

BRANCH NETWORK30.09.2011

BRANCHES 1365

ATMs 1256

INCREASING REACH

26 States and 3 U.T.s covered

2 Rep offices at Dubai & HongKong

DADRA1/0

HARYANA47/44

TRIPURA1/0

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58.52%

25.49% 7.05%5.05%

0.30%3.59%

Government of India 58.52%

LIC of India 25.49%

Resident Individuals 3.59%

NRI 0.30%

FIs, MFs, Banks & Corporate bodies 7.05%

FII & Overseas body corporates 5.05%

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Share holding pattern – 30.09.2011

TOP SHARES HOLDERS OTHER THAN GOVT. OF INDIA % LIC OF INDIA HOLDING % TO EQUITY

RELIANCE CAPITAL TRUSTEE CO. LTD A/C RELIANCEBANKING FUND 1835815 1.24BAJAJ ALLIANZ LIFE INSURANCE COMPANY LTD. 1665476 1.12MATTHEWS INDIA FUND 1554331 1.05ICICI PRUDENTIAL INFRASTRUCTURE FUND 1203404 0.81GENERAL INSURANCE CORPORATION OF INDIA 902581 0.61RELIANCE CAPITAL TRUSTEE CO LTD-RELIANCE LONGTERM EQUITY FUND 777200 0.52RISING INDIA FOCUS FUND LIMITED 734845 0.50THE NEW INDIA ASSURANCE COMPANY LIMITED 483018 0.33LSV EMERGING MARKETS EQUITY FUND LP 442700 0.30PINEBRIDGE INVESTMENTS ASIA LIMITED A/C PINEBRIDGE 440044 0.30

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Clientele base increased to 131.89 lakhs as at 30.09.11 from 110.52 lakhs as at 30.09.10

All 1451 units under CBS – 100% of branches/offices under Core Banking

The Bank has operationalised and networked 1256 ATMs, across the country inclusive of 8 Biometric ATMs.

No. of Debit cards issued 5.45 million 0.45 lakhs Campus Cards issued covering 93 institutions 16077 POS Terminals have been installed at different

merchant establishments all over the country. Mobile Banking and SMS Banking operational with many

value added servicesVAT collection at Maharashtra, Gujarath, Andhra Pradesh and Goa are enabled

E-Stamping system launched in Delhi, Bangalore & Mangalore

First Bank to launch Tax-payment through ATMOnly Bank to facilitate payment of LIC premia through branches

First Bank to launch ASBA [Application supported by Blocked amount]

Sole Banker for TRAI for facilitating online registration of Telemarketers

Bank has introduced Interbank Mobile Payment Service [IMPS] to facilitate funds transfer across Banks using mobile phones

Information Technology Initiatives

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Bank has operationalised banking services in all 334 locations allocated by various SLBCs, 13 locations by way of Branch Model and 321 locations by way of BC Model, by 31st December 2010, 15 months ahead of the schedule i.e. 31.03.2012

Branchless Banking operational in 2618 locations. Added 1210 new locations during the period from 01.10.2010 to 30.09.2011

Total number of “no-frill” accounts stood at 13.88 lakhs and the CGCC cards issued was at 23726

Bank has established a Trust, viz., Gramina Abhyudaya Financial Literacy and Credit counselling Trust to disseminate the banking knowledge to the people. It is proposed to open FLCCs in the lead districts viz., Chikmagalur, Kodagu and Ramnagar.

Bank has implemented Urban Financial Inclusion in 75 urban locations and branded it as Corp Shahari Vitthiya Samaveshana Kendra

Bank has set up a Financial Inclusion Resource Centre at Heritage Centre Udupi

Financial Inclusion – Branchless Banking

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“Corp Convenience – International Visa Signature Debit Card” to provide an exclusive offering to the top customers of the Bank and complement their lifestyle with rewards when they shop, dine or travel.

“Corp Mahila Power” a Savings Bank cum Loan Account for working women or women with independent source of income

“CorpMcash” a new technology product – mobile based valet for Retail payment launched

“Corp Nano Super” Flexi Savings Scheme with sweep facility for Micro Traders / hawkers

“Corp Tutor Fee” scheme for financing tution fees for preparation of entrance examination of professional exams

“Operation Customer outreach” drive to increase retail Term Deposits“Corp CA” to cater the various financial needs of Chartered Accountants“Corp CS” to cater to the various financial need of Company Secretaries “Corp Tax Saver Plus “ deposit scheme with three benefits viz., High interest

rate , Tax benefit under section 80C and Personal Accident Insurance Cover “Corp Home Premium – NRI”, a New Housing Loan scheme for Non-Resident

Indians (NRIs).

New initiatives / Products launched

44The new branch at Amethi along with Branchless Banking Units, Corp Vikas Mobile Van and Financial Literacy and Credit Counselling Centre was inaugurated by Shri Rahul Gandhi, Hon’ble Member of Parliament, Lok Sabha on 20.10.2011 at a function held at Ramalila Maidan in Amethi. Shri Ajai Kumar, Chairman & Managing Director, Corporation Bank presided over the function.

New Branch at Amethi inaugurated by Shri. Rahul Gandhi, Hon`ble Member of Parliament

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Awards / Recognition

Corporation Bank has been Ranked “Number One Nationalised Bank 2010-11” at “FE – India’s Best Banks Awards”. The Best Banks Survey was conducted by Financial Express in association with Ernst & Young – the Knowledge partner for the survey.

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Awards / Recognition

Corporation Bank has been Ranked “Best Mid-Size Public Sector Bank” in the CNBC- TV18 Best Bank and Financial Institution Awards presented by MCX for FY11.

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Awards / Recognition

Corporation Bank has Received the First Prize Under “National Award for Excellence in Lending to Micro Enterprises” for the year 2010-11 from Ministry of Micro, Small and Medium Enterprises, Government of India.

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Awards / Recognition

Corporation Bank has Bagged the Best Manpower Efficiency Award in Public Sector Bank Category, instituted by Federation of Indian Chambers of Commerce and Industry (FICCI) and Indian Banks’ Association (IBA) at FIBAC Banking Awards 2011.

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Looking Forward

Total Business in FY 2011-12 targetted at ` 250,000 crore

Deposits growth 25% to reach ` 146,000 crore

Advances growth 20% to reach `104,000 crore

200 new branches to be opened to make national presence, increase from 1361 to 1561

Exploring the possibility of opening branches /Offices at HongKong, Kenya, Zambia, Bostwana, Malasia, etc.

More Mobile ATMs & Financial Inclusion Resource Centres to be launched

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