Oriental Bank of Commerce analysis

Abhishek Angadi (A005)

Anshul Garg (A015)

Manan Gupta (A018)

Rishabh Jain (A022)

Manasa Koralla (A027)

Anuj Tekumal(A052)

Aneesh Vijh (A055)

EXECUTIVE SUMMARY
Overview of the Bank

Key Financial highlights
Business Model/ Exposure to different sectors
Performance analysis
-Segment Analysis
-Asset Quality & Restructuring/Provisioning
-Key ratios
-CAR and capital requirement
-Peer analysis
-Camel

Road ahead/Future Outlook

OVERVIEW
HEADQUARTERS: GURGAON, HARYANA
Mr. S L Bansal
Chairman & MD

Founded & established in
Lahore in 1943

Nationalised in
1980

GTB amalgamated into OBC in 2004

Crossed Business mix of Rs 2 lakh crore in 2010

Reorientation of lending strategy from Large
Corporates to
PSL, Retail and
Rural
Development

KEY HIGHLIGHTS FOR 2013-14
PARAMETERS

2012-13

2013-14

% CHANGE

Business Mix

Rs 3,06,084 cr

Rs 3,34,254 cr

9.20 %

CASA Deposits%

Rs 43184 cr (24.55%)

Rs 47,043 cr (24.31%)

8.93%

Priority Sector Lending

Rs 46,780 cr

Rs 51,643 cr

10.39%

Operating Profit

Rs 3,691 cr

Rs 4,156 cr

12.59%

Net Profit

Rs 1,328 cr

Rs 1,139 cr

-14.23%

Net Interest Income

Rs 4701 cr

Rs 5,127 cr

9.06 %

Net Non Interest Income

Rs 1654 cr

Rs 1945 cr

17.56 %

Business per Employee

Rs 16.20 cr

Rs 17.10 cr

5.55 %

Gross NPA

3.21%

3.99%

24.30%

Net NPA

2.27%

2.82%

24.23%

Total Delivery Channels

3452

4254

23.23 %

PROVISION COVERAGE RATIO

CREDIT DEPOSIT RATIO

PRIORITY SECTOR LENDING

60.15%

72.91%

40.07%

BANK BUSINESS MODEL
Credit to Priority Sector
•

Bank’s advances to priority sector registered a growth of 10.39%. The
Priority Sector Advances constituted 40.05 % of the Adjusted Net Bank
Credit (ANBC) against the stipulation of 40%

•

Fresh flow of credit to Agriculture sector amounted to ` 12982.49 crore.

•

Exposure to Different sectors