1

2

1. M/s A. Bafna & Co., Jaipur 2. M/s Lunawat & Co., New Delhi 3. M/s V. K. Dhingra & Co., New Delhi 4. M/s Sudit K. Parekh & Co., Mumbai 5. M/s V.K. Ladha & Associates, Ujjain

REGIONAL OFFICES 34

BRANCHES REVIEWED BY STATUTORY CENTRAL AUDITORS (SCAs) 20*

* Covering 54.31 % of Total Advances of the Bank. {Total Audit/review Coverage is 89.87% of Advances which includes 860 branches under Concurrent Audit other than 20 branches reviewed by SCAs}

3 3

Dec

2014

Mar

2015

Dec

2015

Govt. of India 59.13% 59.13% 59.13%

FPIs & NRIs 11.64% 12.13% 10.26%

Banks/Financial Institutions and Insurance Cos.

12.26% 10.97% 10.40%

Mutual Funds/ UTI & Trusts

10.99% 10.38% 10.33%

Others 5.98% 7.39% 9.88%

59.13%

10.26%

10.40%

10.33%9.88%

Govt.of India FPIs/NRIs

Banks/FIs/Insurance. cos. Mutual Funds/ UTI & Trusts

Others

4

0

500

1000

1500

2000

2500

Mar-14 Dec-14 Mar-15 Dec-15

434 (21%)

467 (21%)

476 (21%)

497 (21%)

560 (26%)

564 (26%)

576 (26%)

596 (26%)

600 (28%)

598 (27%)

610 (27%)

635 (27%)

532 (25%)

571 (26%)

589 (26%)

623 (26%)

2126 2200 2351

2251

Rural

Semi-Urban

Urban

Metro

Total ATMs as on December 2015 :2592 ( On- site: 2196 & Off – site: 396)

5

PARAMETER ` in Crore YoY Growth

Total Business 358983.09 5.85%

Total Deposits 206470.60 4.37%

Retail Term Deposits (below ` 1 Crore)

82605.00 13.16%

Total Advances 152512.49 7.91%

Retail Credit 17938.95 17.68%

RAM Credit 68588.63 13.01%

6

0

10000

20000

30000

40000

50000

60000

70000

80000

90000

Dec-14 Mar-15 Dec-15

11620 12840 13144

35184 36526 37860

46804 49366 51004

72996 75538 82605

CA SB CASA RTD CA SB CASA RTD CA SB CASA RTD

(` in Crore)

Parameters Dec-14 Mar-15 Dec-15 Y-o-Y % Growth

Current 11620 12840 13144 13.11%

Savings 35184 36526 37860 7.61%

CASA 46804 49366 51004 8.97%

(CASA % to Total Deposits) 23.66% 24.20% 24.70%

Retail Term Deposits (below ` 1 Cr.) 72996 75538 82605 13.16%

7

(Accounts in Lacs)

4.50

5.00

5.50

Dec-14 Mar-15 Dec-15

5.34 5.41

5.60

175

180

185

190

195

Dec-14 Mar-15 Dec-15

183.49

189.37

194.38

180

185

190

195

200

Dec-14 Mar-15 Dec-15

188.83

194.79

199.98

30

35

40

45

50

Dec-14 Mar-15 Dec-15

48.12 48.62 49.35

No

. of

Acc

ou

nts

in L

acs

No

. of

Acc

ou

nts

in L

acs

No

. of

Acc

ou

nts

in L

acs

No

. of

Acc

ou

nts

in L

acs

8

S. NO.

PARAMETERS Dec-14

Q3

Dec-15

Q3

Variation Y-o-Y (%)

Dec-14 9M

Dec-15 9M

Variation Y-o-Y

(%)

1 INTEREST ON ADVANCES/BILLS

3801.47 3662.95 -3.64 % 11396.67 11257.09 -1.22%

2 INTEREST ON INVESTMENTS 1048.76 1199.76 14.40 % 3126.66 3552.10 13.61%

3 OTHER INTEREST INCOME 96.54 93.25 -3.41 % 347.19 291.17 -16.14%

4 TOTAL INTEREST INCOME (1+2+3)

4946.77 4955.96 0.19 % 14870.52 15100.36 1.55%

5 COMM. EXCHG. & BROKERAGE

201.08 205.56 2.23 % 659.89 649.53 -1.57%

6 TRADING PROFIT FROM TREASURY

204.77 118.20 -42.28 % 391.78 347.72 -11.25%

7 OTHER INCOME 106.17 70.76 -33.37 % 441.20 275.77 -37.50%

8 NON INTEREST INCOME (5+6+7)

512.02 394.52 -22.95 % 1492.87 1273.02 -14.73%

9 TOTAL INCOME (4+8) 5458.79 5350.48 -1.98 % 16363.39 16373.38 0.06%

(` in Crore)

9

S. NO.

PARAMETERS Dec-14

Q3

Dec-15

Q3

Variation Y-o-Y (%)

Dec-14 9M

Dec-15 9M

Variation Y-o-Y (%)

1 INTT. PAID ON DEPOSITS 3522.86 3480.10 -1.21 % 10657.96 10604.58 -0.50%

2 INTT. PAID ON BONDS 111.70 144.61 29.46 % 296.75 399.56 34.65%

3 OTHERS 14.74 21.93 48.78 % 129.30 75.34 -41.73%

4 TOTAL INTEREST PAID (1+2+3)

3649.30 3646.64 -0.07 % 11084.01 11079.48 -0.04%

5 ESTABLISHMENT EXPENSES 444.28 576.51 29.76 % 1241.05 1429.36 15.17%

6 OTHER OPERATING EXPENSES

350.38 360.97 3.02 % 1026.92 1061.21 3.34%

7 TOTAL OPERATING EXPENSES (5+6)

794.66 937.48 17.97 % 2267.97 2490.57 9.81%

8 TOTAL EXPENSES (4+7) 4443.96 4584.12 3.15 % 13351.98 13570.05 1.63%

(` in Crore)

10

(` in Crore)

S. NO. PARAMETERS Dec-14

Q3

Dec-15

Q3

Variation Y-o-Y (%)

Dec-14 9M

Dec-15 9M

Variation Y-o-Y (%)

1 INTEREST INCOME 4946.77 4955.96 0.19 % 14870.52 15100.36 1.55%

2 INTEREST EXPENSES 3649.30 3646.64 -0.07 % 11084.01 11079.48 -0.04%

3 NII (Spread) (1-2) 1297.47 1309.32 0.91 % 3786.51 4020.88 6.19%

4 NON INTEREST INCOME

512.02 394.52 -22.95 % 1492.87 1273.03 -14.73%

5 OPERATING EXPENSES 794.66 937.48 17.97 % 2267.97 2490.57 9.81%

6 OPERATING PROFIT 1014.83 766.36 -24.48 % 3011.41 2803.34 -6.91%

11

(` in Crore)

S.No. PARAMETERS Dec-14

Q3

Dec-15

Q3

Dec-14 9M

Dec-15 9M

1 OPERATING PROFIT 1014.83 766.36 3011.41 2803.34

2 PROVISIONS 995.27 1191.05 2335.89 2668.88

2 a Prov. for Depreciation on Investment 153.27 2.75 18.71 67.90

2 b Prov. for taxes -27.25 8.00 130.60 338.76

2 c Prov. for NPA 500.68 1450.40 1426.34 2522.24

2 d Prov. for Standard Assets

(Other than Restructured) 93.00 -63.00 159.00 -51.80

2 e Prov. for Wage Revision 36.00 0.00 108.00 0.00

2 f Prov. for Unhedged Forex Exposure 4.74 1.06 8.72 12.93

2 g Other Provisions 234.83 -208.16 484.52 -221.15

3 NET PROFIT =(1-2) 19.56 - 424.69 675.52 134.46

12

S. No. PARAMETERS

Dec-14

Q3

Dec-15

Q3

Dec-14

9M

Dec-15

9M

1 Cost of Deposit 7.58% 7.10% 7.69% 7.30%

2 Cost of Funds 6.77% 6.34% 6.90% 6.52%

3 Yield on Advances 11.69% 11.01% 11.83% 11.52%

4 Yield on Investment

(without Profit) 7.57% 7.55% 7.53% 7.59%

5 Yield on Investment (with

Profit) 8.98% 8.28% 8.43% 8.32%

6 Yield on Funds 9.18% 8.61% 9.26% 8.88%

7 Net Interest Margin

(NIM) 2.69% 2.57% 2.63% 2.66%

13

S. NO.

PARAMETERS Dec-14

Q3

Dec-15

Q3

Dec-14

9M

Dec-15

9M

1 Business per Employee (` in Crore)

16.65 16.59 16.65 16.59

2 Business per Branch

(` in Crore) 154.16 152.69 154.16 152.69

3 Book Value per share [` ] 447.30 441.72 447.30 441.72

4 Cost to Income Ratio 43.92% 55.02% 42.96% 47.05%

5 Return on Equity 0.58% -12.60% 6.73% 1.36%

6 Return on Assets 0.04% -0.74% 0.42% 0.08%

14

S. No

PARTICULARS Dec 14 (BASEL III)

Mar 15 (BASEL III)

Dec 15 (BASEL III)

CAPITAL FUND:-

1 CET - I 12588 12853 12911

2 Tier I 13204 13869 13946

3 Tier II 4216 4252 5062

4 Total (Tier I + Tier II) 17420 18121 19008

5 Risk-weighted Assets 154722 158945 170692

6 Capital Adequacy ratio (%) 11.26% 11.41% 11.14%

7 CET – I (%) 8.14% 8.09% 7.56%

8 Tier I (%) 8.54% 8.73% 8.17%

9 Tier II (%) 2.72% 2.68% 2.97%

(` in Crore)

15

(` in Crore)

PARAMETERS Dec-14 Dec-15 Y-o-Y

% Growth

Total Priority Sector 54156.46 60331.24 11.40 %

Total Agriculture 21240.09 25269.50 18.97 %

Micro , Small & Medium Enterprises

24014.12 26506.27 10.38 %

Weaker Section 14698.13 15191.85 3.36 %

Minority Community 8287.31 8726.92 5.30 %

16

SCHEME Dec-14 Dec-15 Y-o-Y

% Growth

Total Retail Credit 15244.45 17938.95 17.68%

Out of which -

Housing Loan 10014.53 11798.32 17.81%

Vehicle Loan 1670.15 1805.12 8.08%

Education Loan 1314.60 1346.19 2.40%

(` in Crore)

Retail Credit as % of Total Advances has increased from 10.79% as on Dec-14 to11.76 % as on Dec-15

17

PARAMETER Dec-14 Dec-15 Y-o-Y Growth

Retail 15244.45 17938.95 17.68%

% age to Total Advances 10.79% 11.76%

Agriculture (excluding RIDF) 16763.00 20691.46 23.43%

% age to Total Advances 11.86% 13.57%

MSME (PS+NPS) 28686.00 29958.22 4.43%

% age to Total Advances 20.30% 19.64%

Total RAM 60693.45 68588.63 13.01%

% age to Total Advances 42.94% 44.97%

Corporate Credit (Other than RAM) 79677.03 82681.86 3.77%

% age to Total Advances 56.37% 54.21%

Staff Loans 966.00 1242.00 28.57%

Total Advances 141336.48 152512.49 7.91%

NOTE: Retail Credit has been re-adjusted as per Bank’s new MSME schemes. Food and Agro Processing Units up to Rs.100.00 Crore from the banking Industry are now classified under Agriculture as per RBI guidelines dated 23.04.2015. If the December 2014 figures are re-adjusted, then Agriculture and MSME growth shall be 7.20% & 16.75% respectively.

18

Industry Segment

Amt. FB O/s

31.12.15

(` in Crore)

%age to total

Industry

%age to total

Credit

Iron & Steel 10686.65 22.63% 7.01%

Textile 7948.14 16.83% 5.21%

Food Processing 5899.17 12.49% 3.87%

(Out of which Sugar) (1094.19) (2.32%) (0.72%)

All Engg. 2915.42 6.17% 1.91%

Vehicles, Vehicle Parts & Transport Equipments 1914.12 4.05% 1.26%

Constructions 1672.59 3.54% 1.10%

Other Metal & Metal Products 840.67 1.78% 0.55%

Chemical, Dyes, Paints etc. 1728.11 3.66% 1.13%

(Out of which Pharmaceuticals) (681.12) (1.44%) (0.45%)

Paper & Paper Product 1290.29 2.73% 0.85%

Other Industries 12324.12 26.10% 8.08%

Total Industry 47219.28 100.00% 30.96%

NBFC 15349.74 -- 10.06%

Commercial Real Estate 7986.59 -- 5.24%

Food Credit 3054.34 -- 2.00%

Others 78902.54 -- 51.74%

Gross Advances 152512.49 -- 100.00%

19

Break up of exposure to Power Sector

(` in Crore)

Segment 31.12.2014 31.12.2015 Y-o-Y

Total Infrastructure 34264 33221 -3.06%

Out of which:

- Power 21101 19309 -8.49%

- Ports, Roads & Highways 7422 8343 12.41%

-Telecom 2719 3321 22.15%

Particular 31.12.2015 % to Total Exp. % to Total Power

Central Govt. 914 0.44% 4.73%

State Govt. 11219 5.35% 58.10%

Private 7176 3.42% 37.17%

Total 19309 9.21% 100.00%

20

As on 31.12.2014 As on 31.12.2015

CATEGORY HTM AFS HFT Total HTM AFS HFT Total

SLR 42041.07 7976.28 114.62 50131.97 39216.67 14586.08 89.26 53892.01

NSLR* 376.40 10969.61 1056.86 12402.87 369.76 6769.04 370.52 7509.32

TOTAL 42417.47 18945.89 1171.48 62534.84 39586.43 21355.12 459.78 61401.33

% to Total Portfolio

67.83% 30.30% 1.87% 100.00% 64.47% 34.78% 0.75% 100.00%

(` in Crore)

*As per RBI guidelines figures have been regrouped to exclude RIDF

21

(` In Crore)

S.

No

Period of

Restructuring

Restructured

amount

Additional/

Incremental

facilities

Total

1 Upto 2014-15 12173 4183 16356

2 2015-16 (Q1) 805 44 849

3 2015-16 (Q2) 268 49 317

4 2015-16 (Q3)

49 0 49

Total 13295 4276 17571*

(*) Includes aggregate exposure of ` 7076 Crore (35.11%) to PSUs comprising Air India (` 1139 crore), Discoms (` 5528 crore) and Gujarat State Electricity Corporation Ltd (` 409 crore).

22

(` in Crore)

S.No Restructured Accounts O/s Balance as on 31.12.2015

1 State Discoms 5505

2 Aviation (Air India) 1145

3 Under CDR 4745

4 Under MSME 450

5 Others 5726

6 Total 17571

Breakup of State Discoms

• Rajasthan Discom : 2397 • U P Discom : 2218 • Haryana Discom : 734 • Tamil Nadu : 156

23

(` in Crore)

S.No Particulars O/s as on 31.12.15 % of total

1 Infrastructure 7546 42.95%

2 Aviation 1145 6.52% 3 Textiles 643 3.66% 4 Iron & steel 2695 15.34% 5 Paper 34 0.19%

6 Agriculture 876 4.99% 7 Sugar 543 3.09% 8 Others 4089 23.26% Total 17571 100.00 %

Break up of Infrastructure Amt

State Discoms 5505 Telecom 195 Power Generation 819 Roads ,Highways & Ports 903 Others 124 Total 7546

24

(` in Crore)

S.

NO. PARAMETERS Dec-14 MAR-15 Sep-15

Dec-15

1 Gross NPA 7669.22 7666.22 8557.96 11824.90

2 Gross NPA as % of Gross Advances

5.43% 5.18% 5.70% 7.75%

3 Net NPA 5080.36 4816.24 5189.10 7359.41

4 Net NPA as a % of Net Advances

3.68% 3.34% 3.55% 4.99%

5 Provision Coverage Ratio 57.39% 60.59% 61.53% 56.34%

25

S.No

PARTICULAR Dec-14

Q3

Dec-15 Q3

Dec-14

9M

Dec-15

9M

1 Opening Gross NPAs 6643.80 8557.96 5617.86 7666.22

2 Recovery in Ledger Balance 218.65 330.75 666.76 765.19

3 Up gradation 58.68 10.08 479.35 511.66

4 Write Off 39.71 372.65 554.62 916.72

5 Total Reduction (2+3+4) 317.04 713.48 1700.73 2193.57

6 Fresh Addition 1342.46 3980.42 3752.09 6352.25

7 Closing Gross NPAs 7669.22 11824.90 7669.22 11824.90

8 Provision 2588.86 4465.49 2588.86 4465.49

9 Closing Net NPAs 5080.36 7359.41 5080.36 7359.41

10-a Cash Recovery in Bad Debt Written-off 65.31 45.65 304.38 157.01

10-b Cash Recovery in Recorded Interest 15.89 3.05 125.99 49.46

10 Total Cash Recovery in Revenue i.e.(10a+10b) 81.20 48.70 430.37 206.47

11 Total Recovery including upgradation (2+3+10) 358.53 389.53 1576.48 1483.32

(` in Crore)

Sector/ Industries

O/s

Dec-14

NPA

Dec-14

% of NPA

to O/s in the Sector

Dec-14

% of NPA to

Gross NPA

Dec-14

O/s

Sep-15

NPA

Sep-15

% of NPA to O/s in

the Sector Sep-15

% of NPA to

Gross NPA

Sep-15

O/s

Dec-15

NPA

Dec-15

% of NPA to O/s in

the Sector Dec-15

% of NPA to

Gross NPA

Dec-15

Retail 15244 470 3.08 % 6.12 % 17490 347 1.98% 4.05% 17939 313 1.74% 2.64%

Agriculture (Excl.RIDF)

16763 1082 6.46% 14.11% 21104 1421 6.73% 16.60% 20691 1348 6.51% 11.40%

MSME 28686 1378 4.80% 17.97% 29658 1763 5.95% 20.60% 29958 2418 8.07% 20.45%

Total RAM 60693 2930 4.83% 38.20% 68252 3531 5.17% 41.26% 68588 4079 5.95% 34.49%

Corporate Credit other than RAM

79677 4739 5.95% 61.80% 80679 5027 6.23% 58.74% 82682 7746 9.37% 65.51%

Staff Loans 966 0.00 0.00% 0.00% 1151 0 0.00% 0.00% 1242 0.00 0.00% 0.00%

Total Advances

141336 7669 5.43% 100% 150082 8558 5.70% 100% 152512 11825 7.75% 100%

26

(` in Crore)

Sector/ Industries

O/s

Dec-14

NPA

Dec-14

% of NPA

to O/s in the Sector

Dec-14

% of NPA to

Gross NPA

Dec-14

O/s

Sep-15

NPA

Sep-15

% of NPA

to O/s in the

Sector Sep-15

% of NPA to

Gross NPA

Sep-15

O/s

Dec-15

NPA

Dec-15

% of NPA to O/s in

the Sector Dec-15

% of NPA to

Gross NPA

Dec-15

Infrastructure 24912 350 1.40% 4.56% 24536 697 2.84% 8.14% 24822 1072 4.32% 9.06%

Textile 7586 907 11.96% 11.83% 7488 1074 14.34% 12.55% 7948 1268 15.95% 10.72%

Iron & Steel 9511 1243 13.07% 16.20% 10338 999 9.66% 11.67% 10687 2882 26.97% 24.37%

Food Proc. 5668 445 7.85% 5.80% 5376 452 8.40% 5.28% 5899 432 7.32% 3.65%

NBFC 13152 0 0.00% 0.00% 1478 21 1.42% 0.25% 15350 21 0.14% 0.18%

27

(` in Crore)

28

0

3000

6000

9000

12000

15000

18000

21000

Mar-14 Dec-14 Mar-15 Dec-15

10077 (52%)

10521 (52%)

10413 (51%)

11205 (52%)

6042 (31%)

6833 (33%)

6795 (34%)

7385 (34%)

3431 (17%)

3019 (15%)

2992 (15%)

3050 (14%)

20373 20200 21640

Subordinate

Non-Subordinate (Clerks)

Officers

19550

29

0

500

1000

1500

2000

2500

3000

Mar-14 Dec-14 Mar-15 Dec-15

2128 2461 2488

2592

0

20

40

60

80

100

Mar-14 Dec-14 Mar-15 Dec-15

49.71

68.07 74.77 82.87

0

2

4

6

8

10

Mar/14 Dec/14 Mar/15 Dec/15

6.67 7.87 8.18

9.32

0.00

0.20

0.40

0.60

0.80

1.00

1.20

Mar/14 Dec/14 Mar/15 Dec/15

0.55

0.75 0.81

1.04

1 Number of Accounts opened since 16.08.2014

33.97Lakh

2 Number of RuPay cards issued

33.31Lakh

3 Deposits in Accounts `2505.78 Crore

Scheme No. of Enrolments Total

Enrolments URBAN RURAL

Pradhan Mantri Suraksha Bima Yojana (PMSBY) 21.43 Lakh 10.43 Lakh 31.86 Lakh

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) 4.01 Lakh 1.99 Lakh 6.00 Lakh

TOTAL 25.44 Lakh 12.42 Lakh 37.86 Lakh

Category No. of Account

Disbursement (Amount)

1 SHISHU (< `50000)

84225 `168.55 crore

2 KISHORE (Above `50k-5lakh)

11303 `272.88 crore

3 TARUN (Above `5lakh-10lakh)

3549 `276.21 crore

4 GRAND TOTAL 99077 `717.64 crore

Oriental Bank of Commerce is one of the 1st Public Sector

Bank certified with Payment Card Industry Data Security

Standard (PCI DSS v3.1) for Card related Operations.

SELF USER CREATION module has been made live for

registration for Internet Banking.

Launch of Special Salary Saving Accounts viz. Oriental

Premium Salary Account and Oriental Salute Salary with

specially designed personalised Debit Cards.

Launch of Special Saving account for youngsters in the age

group 10-18 Yrs christened as Oriental Yuva with specially

designed Rupay debit card.

31

32