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ANALYST PRESENTATION SEPTEMBER 2011

BANK OF INDIA. ANALYST PRESENTATION SEPTEMBER 2011. BANK OF INDIA FRONT-RUNNER IN INDIA’S GROWTH STORY. Journey Commenced here - 1906. Corporate Office BKC, Mumbai- 2003. Milestones. 1906: Group of eminent businessmen establishes the Bank

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ANALYST PRESENTATION SEPTEMBER 2011

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  1. BANK OF INDIA ANALYST PRESENTATION SEPTEMBER 2011

  2. BANK OF INDIA FRONT-RUNNER IN INDIA’S GROWTH STORY Journey Commenced here - 1906 Corporate Office BKC, Mumbai- 2003

  3. Milestones 1906: Group of eminent businessmen establishes the Bank 1946: Opening of London Branch – First-ever Indian bank to open a branch overseas 1950: Opening of Tokyo Branch – First Indian bank to open a branch in Japan 1969: Nationalization along with 13 other banks – branch network: Indian: 207 & Foreign: 12 1989: Established BoI Shareholding Ltd. – a JV with Bombay Stock Exchange (BSE) to manage clearing house of BSE 1997: Launched maiden IPO – Government shareholding diluted to 76.53% 2003: Ranked as India’s Most Trusted Service Brand consecutively for 3 years by AC Nielsen ORG-MARG 2004: Ranked 25th among India’s Top 500 companies by D & B 2007: Surpassed landmark of ` 10 bn in net-profits 2008: Surpassed landmark of ` 20 bn in net-profits 2009: Surpassed landmark of ` 30 bn in net-profits 2010: Surpassed Business Mix of ` 4000 bn 2011: Surpassed Business Mix of ` 5000 bn

  4. Awards & Accolades • Dun & Brad Street Award for the Best Public Sector Bank Category-2010 • The Second PSU Award 2010 by Dalal Street. • The award of the most efficient Public Sector Bank based on the Operating Profit / Total number of employees , Growth in operating profit and Balance Sheet Profit. • IBA banking Technology Award 2009 for the Best Business Enablement Initiatives. • National Award for Excellence in Lending to Micro & Small Enterprises. • Best Education Loan Provider: Outlook Money – NDTV Profit Awards. • ‘Winner Award’ in the ‘Best Business Enablement Initiative’ Category by IBA

  5. Awards & Accolades • BOI rated by Economic Times/AC Nielsen Survey for ‘The Most Trusted Brands” (MTB) 2009 - 2nd under PSU Banks Category (next to SBI) • 8th in Top Service Brands • Secured 92nd place in MTB – an improvement of 54 rankings as compared to previous year • Won the Award for Top Public Sector Bank under Best Bank Category &Overall Best Bank by D & B Banking Awards 2009 • First major PSU bank to receive ISO 27001:2005 certification for Data Centre & Disaster Recovery Centre • International Award in Outsourcing – Sponsored by Everest Group & • Forbes at New York, USA • Special Award for Green IT at CIO-100 event for Solar Power • Runners’ Up Award – FE India’s Best Bank Awards

  6. New Intiatives • The Bank reorganised its organisation structure to a more customer focus institution capable of encashing the emerging oppurtunities. Accordingly, customer focused verticals i.e Large Corporate, Mid Corporate , SME, Retail, Rural etc. established • 20 specialized SME Centres, 21 Retail Business Centres and 52 Rural Credit Processing hubs established to provide focused attention and to accelerate credit delivery to the vital segments. • Launched BOI KisanSathi to benefit tenant farmers, Launched Jai Jawan Salary plus scheme for defense personnel, Star Suraksha SB plus with free accidental death insurance of ` 50,000 • Launched ‘BINGO’ ATM cum Debit card for youths • Bank has started process of UID (Unique identification number), ‘Adhar’ in coordination with UIAI with a target to map 1crore citizens

  7. New Intiatives (Contd) • The Bank introduced BOI * INTERNATIONAL TRAVEL CARD in US$ during the half year ended September 2011 with Visa affiliation for the customers visiting abroad        • The Bank launched BOI* Pension Aadhaar Card for pensioner during the half year September 2011 • The Bank launched BOI Privilege international  Credit Card and Debit Card during the half year September 2011 • The Bank has also launched "BOI Star Rewardz" programmefor our Debit Card holders to encourage its use at POS during half year September 2011.

  8. IT / ITES Intiatives • 117 new ATMs installed during current FY thus taking the total ATMs to 1602. • Mobile Banking services extended to all retail internet banking customers • Bank has implemented Two Factor Authentication (2FA) – star Token for both Retail and Corporate internet banking customers as an additional security measure. • Credit Application Processing Systems (CAPS) introduced covering all major credit segments –Retail, Corporate , MSME and Agriculture • Launched ‘BTM’ (Banking Through Mobile) to enable remittances and transfers using mobile phone

  9. Investor Profile- Shareholding Pattern (%) Total Foreign Holding 15.25 %

  10. Global Footprints – Foreign Branches of the Bank UK (London + 7branches) USA (New York & SFO) Singapore Jakarta Ho Chi Minh Europe -France (Paris) -Belgium (Antwerp) Hong Kong Kowloon Shenzen Japan (Tokyo & Osaka) Phnom Penh Dubai West Indies - Cayman Islands Kenya (Nairobi, Mombasa, Ind Area & Westlands) New Zealand Channel Islands Tanzania (Subsidiary), Jo’burgh (SA)

  11. Credit Rating - International & Domestic 11

  12. Major Business Parameters (`/Mn)

  13. Deposits `/ Bn • Domestic Deposits • Y-o-Y Growth : 19.39 % Foreign Deposits Y-o-Y Growth: 50.48 % Global Deposits Y-o-Y Growth: 24.06 %

  14. Domestic Deposits (CASA) `/Mn Share of CASA to Aggregate Dep: 31.64% Savings Bank Y-o-Y Growth: 17.28% CASA Y-o-YGrowth:12.61 % 14

  15. Domestic Deposits – Category-wise `/ Bn

  16. Gross Advances `/ Bn Global Y-o-Y Growth: 17.67% Foreign Y-o-Y Growth: 48.91% Domestic Y-o-Y Growth: 9.10 %

  17. Domestic Advances – Category Wise as on 30.09.2011 `/ Bn

  18. Key Sectors(Domestic Credits) `/Mn

  19. Advances to Sensitive Sectors - Domestic `/ Mn

  20. RESTRUCTURED ACCOUNTS Includes all facilities of the borrowers `/Mn 20

  21. MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS `/Mn 21

  22. NPA Movement ( `/ Mn) 22

  23. NPA Sequential Ratios (`/Mn) 23

  24. Sector wise Breakup of NPA - Domestic `/ Mn 24

  25. Overseas NPAs `/ Mn 25

  26. Profit – Summary `Mn 29

  27. Net Interest Income ` / Mn 27

  28. Net Interest Income(H1-o-H1) ( `/Mn)

  29. Profitability (H1-o-H1) (`/Mn)

  30. Non-interest Income ` / Mn 33

  31. Non Interest Income(H1-o-H1) (`/Mn)

  32. Cost & Yield Ratios –Quarterly Comparison Cost and Yield (%)

  33. Profit Ratios(H1-o-H1)

  34. Business Ratios – Quarterly Comparison

  35. Investments - Domestic `/Mn 35

  36. Capital Adequacy –Basel II `/Mn 36

  37. Productivity `/Mn Business Per Branch Business Per Employee 37

  38. Way Ahead • CASA drive to continue • Focus on Asset quality with the formation of specialized Credit Processing Centres for Large Corporate, Mid Corporate , SME , Retail and Agriculture. • NPA recovery drive intensified to reduce NPAs. • To add over 300 branches and 1000 ATMs • International Operation to contribute significantly to the business – 3 New Centres to be added i.e Uganda , Canada & Botswana 38

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