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bank of india

mrithula
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bank

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  1. BANK OF INDIA FINANCIAL RESULTS FOR HALF YEAR ENDED SEPTEMBER 2008 22.10.2008

  2. BUSINESS MIX • Global Business Mix increased by Rs.68154 cr(30%) to reach Rs.293560 crores. Domestic by Rs.59832 cr (33%) , Foreign by Rs.8322 cr (18%) • Deposits increased by Rs.34656 cr (27% rise) Domestic by Rs.33297 cr, (32%),Foreign by Rs.1359cr (5%) • Gross Advances increased by Rs.33498 cr (35%), Domestic by Rs.26536 cr (35%), Foreign by Rs.6962 cr (33%)

  3. BUSINESS MIX Rs. in Crore On Y –o- Y basis : Sep 08 Sep 07 Growth of Global Business Mix 30.24% 26.4% Growth of Indian Business Mix 33.32% 23.5 %

  4. GROWTH IN DEPOSITS Rs. in Crore On Y-o-Y basis Sep 08 Sep 07 Global Deposits 26.74% 25.46 % Indian Deposits 31.75 % 22.57 %

  5. DOMESTIC DEPOSITS On Y-o-Y basis, Aggregate Deposits grew by 32%, Savings grew by 17.49%, Current by 10.78%, Low Cost Deposits grew by 16%.

  6. GROWTH IN ADVANCES Rs. in Crore On Y-0-Y basis Sep 08 Sep 07 Global Advances 34.96% 27.59 % Indian Advances 35.53 % 24.93 % Foreign Advances 32.93 % 37.95%

  7. HIGHLIGHTS FOR QUARTER ENDED SEP ‘08 Interest Margin • Net Interest Margin increased from 3.04% to 3.20% • Net Interest Income increased by 38.23% from Rs. 986 crores to Rs. 1363 crores • Non Interest Income increased by 23.11% from Rs. 528 crores to Rs. 650 crores • Operating expenses increased by 18.40% from Rs.674 crores to Rs.798 crores

  8. HIGHLIGHTS FOR HALF YEAR ENDED SEP ‘08 Interest Margin • Net Interest Margin increased from 2.97% to 3.09% • Net Interest Income increased by 31.61% from Rs. 1933 crores to Rs. 2544 crores • Non Interest Income increased by 33.63% from Rs. 910 crores to Rs. 1216 crores • Operating expenses increased by 11.17% from Rs.1325 crores to Rs.1473 crores

  9. HIGHLIGHTS FOR QUARTER ENDED SEP ’08 Profitability • Operating Profit increased by 44.64% from Rs.840 crores to Rs.1215 crores • Net Profit increased by 79.53% from Rs.425 crores to Rs.763 crores

  10. HIGHLIGHTS FOR HALF YEAR ENDED SEP ’08 Profitability • Operating Profit increased by 50.66% from Rs.1518 crores to Rs.2287 crores • Net Profit increased by 79.05% from Rs.740 crores to Rs.1325 crores

  11. PROFIT - NETINTERESTINCOME

  12. PROFITABILITY RATIOS Variation in Quarter 38.23% Variation in Half Year 31.61%

  13. NON - INTEREST INCOME

  14. PROFITABILITY RATIOS Variation in Quarter 22.92% Variation in Half Year 33.63%

  15. PROFITABILITY RATIOS Variation in Quarter 32.96% Variation in Half Year 32.25%

  16. OPERATING PROFIT

  17. PROFITABILITY RATIOS Variation in Quarter 44.64% Variation in Half Year 50.66%

  18. OTHER OPERATING EXPENSES

  19. OTHER EXPENDITURE

  20. NET PROFIT

  21. PROFITABILITY RATIOS Variation in Quarter 79.53 % Variation in Half Year 79.05%

  22. HIGHLIGHTS FOR QUARTER ENDED SEP ‘08 ASSET QUALITY • Gross N.P.A. declined to 1.53% from 2.07% in Sep. 07 • Net N.P.A. declined to 0.48% from 0.75% in Sep. 07 • Provision Coverage ratio improved to 80.89% from 74.10% in Sep. 07

  23. NON-PERFORMING ADVANCES Gross NPA declined from 2.07% in Sep 07 to 1.53% in Sep 08 Net NPA declined from 0.75% in Sep 07 to 0.48% in Sep 08

  24. NPA MOVEMENT

  25. NPA MOVEMENT

  26. HIGHLIGHTS FOR QUARTER ENDED SEP ‘08 SHAREHOLDER VALUE • Networth increased to Rs. 9953 crore from Rs.6244 crore - Y-o-Y growth 59% • Book Value per Share improved to Rs.189.24 in Sep. 08 from Rs.127.92 in Sep. 07

  27. HIGHLIGHTS FOR QUARTER ENDED SEP ‘08 SHAREHOLDER VALUE • Earnings per Share (not annualised) increased to Rs.14.53 in Sep. 08 from Rs.8.73 in Sep. 07 • Return on Assets (annualised) improved to 1.58% in Sep. 08 from 1.15% in • Sep. 07

  28. HIGHLIGHTS FOR HALF YEAR ENDED SEP ‘08 SHAREHOLDER VALUE • Earnings per Share (not annualised) increased to Rs.25.23 in Sep. 08 from Rs.15.19 in Sep. 07 • Return on Assets (annualised) improved to 1.41% in Sep. 08 from 1.00% in • Sep. 07

  29. PROFIT – GEOGRAPHICAL SEGMENT

  30. PROFITABILTYRATIOS (Q-o-Q)

  31. PROFITABILTYRATIOS (H-o-H)

  32. RATIOS

  33. CAPITAL ADEQUACY

  34. PRODUCTIVITY Rs.in lakhs Business Per Employee increased by 31.88% & Business Per Branch improved by 23.70%

  35. KEY SECTORS(DOMESTIC) Y-o-Y growth Agriculture 26.20% SME 25.87% Retail 7.92% Corporate 64.08%

  36. RETAIL CREDIT (Domestic)

  37. INVESTMENTS(GLOBAL)

  38. INVESTMENTS(Domestic) (Rs. crore)

  39. Exposure to Subprime/Lehman Group • Bank’s entire overseas investment portfolio is fully insulated • No direct Exposure to US Sub-Prime Market • Write downs on investments consequent to recent global • financial turmoil provided for by marking to market • Exposure to Lehman Group –Investments • After marking to market the above investments and derivative • transactions with the group ,full provision of Rs.108.60 crores • made towards shortfall

  40. Agricultural Debt Waiver/Debt Relief Scheme • Bank has implemented Agriculture Debt Waiver and Debt Relief Scheme 2008 as per RBI guidelines • Rs.646.72 crores waived under the scheme in 341136 accounts for which preliminary claim has been preferred with RBI • Rs.222.62 crores eligible for relief under the scheme in 85101 accounts and claim will be submitted by September 2009

  41. Thank You

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