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Bank of india

BANK OF INDIA

FINANCIAL RESULTS FOR

HALF YEAR ENDED

SEPTEMBER 2008

22.10.2008


Business mix

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%)


Business mix1

BUSINESS MIX

Rs. in Crore

On Y –o- Y basis : Sep 08Sep 07

Growth of Global Business Mix 30.24% 26.4%

Growth of Indian Business Mix 33.32% 23.5 %


Growth in deposits

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 %


Domestic deposits

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%.


Growth in advances

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%


Highlights for quarter ended sep 08

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


Highlights for half year ended sep 08

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


Highlights for quarter ended sep 081

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


Highlights for half year ended sep 081

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


Profit net interest income

PROFIT - NETINTERESTINCOME


Profitability ratios

PROFITABILITY RATIOS

Variation in Quarter 38.23%

Variation in Half Year 31.61%


Non interest income

NON - INTEREST INCOME


Profitability ratios1

PROFITABILITY RATIOS

Variation in Quarter 22.92%

Variation in Half Year 33.63%


Profitability ratios2

PROFITABILITY RATIOS

Variation in Quarter 32.96%

Variation in Half Year 32.25%


Operating profit

OPERATING PROFIT


Profitability ratios3

PROFITABILITY RATIOS

Variation in Quarter 44.64%

Variation in Half Year 50.66%


Other operating expenses

OTHER OPERATING EXPENSES


Other expenditure

OTHER EXPENDITURE


Net profit

NET PROFIT


Profitability ratios4

PROFITABILITY RATIOS

Variation in Quarter 79.53 %

Variation in Half Year 79.05%


Highlights for quarter ended sep 082

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


Non performing advances

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


Npa movement

NPA MOVEMENT


Npa movement1

NPA MOVEMENT


Highlights for quarter ended sep 083

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


Highlights for quarter ended sep 084

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


Highlights for half year ended sep 082

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


Profit geographical segment

PROFIT – GEOGRAPHICAL SEGMENT


Profitabilty ratios q o q

PROFITABILTYRATIOS (Q-o-Q)


Profitabilty ratios h o h

PROFITABILTYRATIOS (H-o-H)


Ratios

RATIOS


Capital adequacy

CAPITAL ADEQUACY


Productivity

PRODUCTIVITY

Rs.in lakhs

Business Per Employee increased by 31.88% &

Business Per Branch improved by 23.70%


Key sectors domestic

KEY SECTORS(DOMESTIC)

Y-o-Y growth

Agriculture 26.20% SME 25.87%

Retail 7.92% Corporate 64.08%


Retail credit domestic

RETAIL CREDIT (Domestic)


Investments global

INVESTMENTS(GLOBAL)


Investments domestic

INVESTMENTS(Domestic)

(Rs. crore)


Exposure to subprime lehman group

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


Agricultural debt waiver debt relief scheme

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


Bank

Thank You


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