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ANALYST PRESENTATION 31 st December, 2011

BANK OF INDIA. ANALYST PRESENTATION 31 st December, 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 31 st December, 2011

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  1. BANK OF INDIA ANALYST PRESENTATION 31st December, 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 INR 10 bn in net-profits 2008: Surpassed landmark of INR 20 bn in net-profits 2009: Surpassed landmark of INR 30 bn in net-profits 2010: Surpassed Business Mix of INR 4000 bn 2011: Surpassed Business Mix of INR 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 • 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 • Secured 92nd place in MTB – an improvement of 54 rankings as compared to previous year • 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 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 • Launched ‘BTM’ (Banking Through Mobile) to enable remittances and transfers using mobile phone

  7. IT New Intiatives • We have installed 43 number of ATMs during the 3Q (Quarter ended 31st December, 2011).

  8. Investor Profile- Shareholding Pattern (%) Total Foreign Holding 15.66 %

  9. 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 (Representative office) West Indies - Cayman Islands Kenya (Nairobi, Mombasa, Ind Area & Westlands) New Zealand (Subsidiary) Channel Islands Tanzania (Subsidiary), Jo’burgh (SA)

  10. Credit Rating - International & Domestic

  11. Highlights • Business touched `5,403,668 Mn( YoY Growth 21.35%) • Deposits stood at `3,072,523 Mn (YoYGrowth 21.67%) • CASA at 32.41% • Advances at `2,331,146 Mn (YoYGrowth 20.94%) • Operating Profit increased from ` 13,888 Mnto `17,319Mn(YoY Growth 24.69%) • Net Profit Increased from `6,532 Mn to `7,162Mn (YoY Growth 9.64%) • Net Interest Margin increased from 2.44% to 2.55% (Sequentially) • Non Interest Income increased from `6,482 Mnto ` 8,522 Mn(YoY Growth 31.48%) • Gross NPA ratio decreased from 3.02% in Sept 11 to 2.74% in Dec 11 • Net NPA ratio decreased from 1.98% in Sept 11 to 1.78% in Dec 11 • Cost to income ratio reduced from 47.30% in Dec 10 to 40.68% in Dec 11 • ROA improved from 0.56% in Sept 11 to 0.80% in Dec 11 • ROE improved from 12.07% in Sept 11 to 16.97% in Dec 11

  12. Major Business Parameters (`/Mn)

  13. Deposits `/ Tn • Domestic Deposits • Y-o-Y Growth : 13.78% Global Deposits Y-o-Y Growth: 21.62% Foreign Deposits Y-o-Y Growth: 66.44%

  14. Domestic Deposits (CASA) `/Mn Share of CASA to Aggregate Deposits: Dec 11-: 32.41% Sep 11-: 31.64% Jun 11-: 30.48% CASA Y-o-YGrowth: 13.40% Savings Bank Y-o-Y Growth: 14.26% 14

  15. Domestic Deposits – Category-wise `/Bn

  16. Gross Advances `/ Tn Domestic Y-o-Y Growth: 8.18% Foreign Y-o-Y Growth: 66.76% Global Y-o-Y Growth: 20.94%

  17. Domestic Advances – Category Wise as on 31.12.2011 `/ Bn

  18. Key Sectors (Domestic Credits) `/Mn

  19. Domestic Credit `/Mn

  20. Sector Wise Breakup (Non Food Credit) ` / Mn

  21. Industry Wise Credit ` / Mn

  22. Advances to Sensitive Sectors - Domestic ` / Mn

  23. RESTRUCTURED ACCOUNTS Includes all facilities of the borrowers `/Mn 23

  24. MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS `/Mn

  25. MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS `/Mn

  26. Sector-wise breakup of restructured accounts (>10 Mn) (Domestic) in Q3 `/Mn 26

  27. Restructured A/Cs Slipped (>Rs.10 Mn) –(Domestic) `/Mn

  28. Sector-wise breakup of restructured accounts Slipped to NPA (>10 Mn) (Domestic) `/Mn

  29. NPA Movement `/Mn

  30. NPA Sequential Ratios (`/Mn) 30

  31. Sector wise Breakup of NPA - Domestic `/ Mn 31

  32. Overseas NPAs `/ Mn 32

  33. Profit – Summary `/Mn

  34. Net Interest Income ` / Mn

  35. Non-interest Income ` / Mn

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

  37. Business Ratios – Quarterly Comparison

  38. Investments ` / Mn

  39. Investments - Domestic `/Mn

  40. Capital Adequacy –Basel II `/Mn

  41. Productivity `/Mn Business Per Branch Business Per Employee 41

  42. Way Ahead • CASA drive to continue • Focus on Asset quality with the formation of specialised Credit Processing Centres for Large Corporate, Mid Corporate, SME , Retail and Agriculture • 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 42

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