Performance Parameter of Central Bank of India

1. Business Parameter a. Business Growth: Business growth is the cardinal objective of a bank like any other firm. For a bank, business growth is measured in terms of: Growth in deposit- The growth rate in deposit of Central Bank has been 23% in year 10, 11% in year 11, 9% in year 12 and 15% in year13. The growth declined suddenly due to depression and its aftereffects in the World economy as a whole and started recovering later.

Growth In Deposits
250000 200000 150000 100000 50000 0 09 10 11 12 13 Deposits

Growth In Deposits
Deposits 154,003.49 173431.05

145,277.60 122,415.55 100,221.57

year '09

Year' 10

year '11

year '12

Year' 13

Growth in Advances: The growth rate in advances of UCO Bank has been 23%, 23%, 14% and 16% in the year 2010, 2011, 2012 and 2013 respectively.

Growth In Advances
200000 180000 160000 140000 120000 100000 80000 60000 40000 20000 0 09 10 11 12 13

Advances

Growth in Advances
Advances 115,540.01 99,070.81 82,504.53 68,803.86 128,282.86

year '09

Year' 10

year '11

year '12

Year' 13

Growth in Investment: The growth rate in Investment of UCO Bank has seen a sudden rise and downfall. In the year 10 the growth rate was 17%, followed by 8% and 9% in the year 12 and 13. However there was decline in the investment by 2% in the year 11.

Growth In Investment
80,000.00 70,000.00 60,000.00 50,000.00 40,000.00 30,000.00 20,000.00 10,000.00 0.00 09 10 11 12 13 investment

Growth in Investment
Investment 43,521.43 29,384.78 42,927.28 45,771.50 52,244.90

year '09

Year' 10

year '11

year '12

Year' 13

b. Market share: The market share of Central Bank Of India which is 3% is shown in the following pie chart based on the market capitalization.

2. Efficiency Parameter: - Efficiency is measured by the output per unit of input. Efficiency could be of two types: Income efficiency and cost efficiency. a. Income to Asset Ratio: Past 5 years income to assets ratio of Central Bank are as follows:
Particulars
Gross Income to assets Net Interest Income to assets Net Profit to assets Non Interest

2013
8.44 2.29 0.33 0.67

2012
8.21 2.37 0.65 0.10

2011
8.27 3.17 0.6 0.14

2010
9.26 2.84 0.82 0.21

2009
8.81 2.31 0.56 0.11

Income to assets

Particulars
Gross Income to assets Net Interest Income to assets Net Profit to assets Non Interest Income to assets

2013
8.85 2.42 0.33 0.5

2012
8.73 2.48 0.65 0.24

2011
7.77 2.75 0.6 0.31

2010
8.06 2.26 0.82 0.32

2009
8.76 2.3 0.56 0.35

b. Expenditure to Assets Ratio: Past 5 years expenditure to assets ratio of Central Bank are as follows:
Particulars
Interest to assets Operating Expense to assets 1.63 2.29 2.32 1.49 1.57 Expended 6.50 6.42 5.09 5.83 6.15

2013

2012

2011

2010

2009

Particulars
Interest to assets Operating Expense to assets Expended

2013
6.43

2012
6.26

2011
5.02

2010
5.81

2009
6.46

1.1

1.6

2.12

1.5

1.64

3. Productivity Parameter: Productivity relates to the output of the employees. a. Average profit per employee: The average profit per employee of UCO Bank as on March 13 is 2.75 lacs and for the year ending March 12 is Rs. 4.7 Lacs. b. Other Income ratio: The other income ratio of UCO bank has been consistently declining. It was 7.09, 1.09, 1.68, 2.50 and 1.31 in the year March 13, 12, 11, 10 and 09 respectively. c. Gross Rate of Return: The net income for every rupee of business done has been consistent for the past five years. The result shows that the average gross rate of return for Central Bank is 0.05443 for the past five years. 4. Vulnerability Parameter:

a.

Capital Adequacy ratio: The Bank continues to maintain healthy capital base. As at March, 2013 capital adequacy ratio as per Basel-II norms stood at 14.15% with a Tier I capital ratio at 9.05%. The Banks has a strong common equity capital to meet the stringent Basel III norms during the current year. Gross NPA Ratio: The gross NPA as on March13 of the bank has increased by Rs 1183 Crores to Rs. 8456 crore from Rs. 7273 crore as on March12 and this

b.

is mainly due to the slippage of a large number of borrowable accounts to NPA in the FY 2012-13, particularly some high value group accounts. This sudden slippage could be due to effect of global recession which affected domestic economic activity also to a large extent; and large projects could not either be completed or generate sufficient cash flow as anticipated, hence failed to fulfill their repayment obligations to the bank. c. Contingent Liability: Contingent liabilities arise due to off-balance sheet activities like forward contracts, guarantees, acceptances and endorsements etc. As on March13 the ratio of contingent liability to total liability has been 29.87% for Central Bank. This shows the vulnerability to credit risk and liquidity risk.