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Bank of india l.jpg

BANK OF INDIA

FINANCIAL RESULTS FOR

YEAR ENDED MARCH 2008

30.04.2008


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HIGHLIGHTS FOR YEAR ENDED MAR ‘08

  • Deposits increased by Rs. 30130 cr (25% rise) Domestic by Rs. 30672 cr, (32%)

  • Gross Advances increased by Rs.28001 crore (32%), Domestic by Rs.21577 crore (31%)


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HIGHLIGHTS FOR YEAR ENDED MAR ‘08

  • Net Interest Income increased by 23% from Rs. 3440 crores to Rs.4229 crores

  • Non Interest Income increased by 35% from Rs. 1563 crores to Rs.2117 crores

  • Operating expenses increased only by 1.42% from Rs.2608 crores to Rs.2645 crores


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HIGHLIGHTS FOR YEAR ENDED MAR ‘08

  • Operating Profit increased by 55%

    from Rs.2395 crores to Rs.3701

    crores

  • Net Profit increased by 79%

    from Rs.1123 crores to Rs.2009

    crores


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HIGHLIGHTS FOR YEAR ENDED MAR ‘08

  • Networth increased to Rs.8628 crore from Rs.5504 crore - Y-o-Y growth 57%

  • Book Value per Share improved to Rs.164.05 in

    Mar. 08 from Rs.112.75 in Mar. 07

  • Earnings per Share (not annualised) increased to

    Rs.40.83 from Rs.23.04 in Mar. 07

  • Return on Assets (annualised) improved to 1.25% from 0.88% in Mar. 07


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HIGHLIGHTS FOR YEAR ENDED MAR ‘08

  • Gross N.P.A. declined to 1.68% from 2.42% in

    Mar. 07

  • Net N.P.A. declined to 0.52% from 0.95% in

    Mar. 07

  • Provision Coverage ratio improved to 81.25%

    from 69.91% in Mar. 07


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HIGHLIGHTS FOR QUARTER MAR ‘08

  • Operating Profit increased by 35%

    from Rs.895 crores to Rs.1212 crores

  • Net Profit increased by 69 %

    from Rs.447 crores to Rs.757 crores


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HIGHLIGHTS FOR QUARTER MAR ‘08

  • Net Interest Income increased by 25.72% from Rs. 968 crores to Rs.1217 crores

  • Non Interest Income increased by 13.17% from Rs. 577 crores to Rs.653 crores

  • Operating expenses increased only by 1.23% from Rs. 650 crores to Rs.658 crores


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HIGHLIGHTS FOR QUARTER MAR ‘08

  • Earnings per Share (not annualised)

    increased to Rs.14. 95 from Rs.9.18

    in Mar. 07

  • Return on Assets (annualised)

    improved to 1.78% from 1.32%

    in Mar. 07


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BUSINESS MIX

Rs. in Crore

On Y –o- Y basis : Mar 08Mar 07

Growth of Global Business Mix 28.13% 28.69 %

Growth of Indian Business Mix 31.75% 24.78 %


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GROWTH IN DEPOSITS

Rs. in Crore

On Y-o-Y basis Mar 08 Mar 07

Global Deposits 25.13% 27.62 %

Indian Deposits 32.37% 21.7 %


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GROWTH IN ADVANCES

Rs. in Crore

On Y-0-Y basis Mar 08 Mar 07

Global Advances 32.26 % 30.19 %

Indian Advances 30.91 % 29.22%

Foreign Advances 37.83 % 34.35%


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DOMESTIC DEPOSITS

On Y-o-Y basis, Aggregate Deposits grew by 32.93%, Savings grew by 14.37%, Current by 37.87%, Low Cost Deposits grew by 19.42%.


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NPA MOVEMENT


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NPA MOVEMENT


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NON-PERFORMING ADVANCES

Gross NPA declined from 2.42% in Mar 07 to 1.68% in Mar 08

Net NPA declined from 0.95% in Mar 07 to 0.52 % in Mar 08


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PROFIT - NETINTERESTINCOME


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PROFITABILITY RATIOS

Variation in Quarter 25.72%

Variation in 12 months 22.94%


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NON - INTEREST INCOME


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PROFITABILITY RATIOS

Variation in Quarter 13.17 %

Variation in 12 months 35.44%


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PROFITABILITY RATIOS

Variation in Quarter 21.03%

Variation in 12 months 26.84%


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OPERATING PROFIT


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PROFITABILITY RATIOS

Variation in Quarter 35.42 %

Variation in 12 months 54.53%


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OTHER OPERATING EXPENSES


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NET PROFIT


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PROFITABILITY RATIOS

Variation in Quarter 69.35 %

Variation in 12 months 78.90 %


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APPROPRIATIONS

Amount in Rs. Crores


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PROFIT - SEGMENT


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PROFITABILTYRATIOS – Q4


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PROFITABILTYRATIOS


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RATIOS


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CAPITAL ADEQUACY


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PRODUCTIVITY

Business Per Employee increased by 30.92% &

Business Per Branch improved by 21.13%


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AGRICULTURE

RETAIL

CORPORATE

13158

19378

50291

S.M.E.

20400

10664

17427

34127

16211

MAR 07

MAR 08

MAR 07

MAR 08

MAR 07

MAR 07

MAR 08

MAR 08

KEY SECTORS

(Rs,Cr.)

Y-o-Y growth 31.03.08

Agriculture 23.39 %

SME 25.84 %

Retail Credit 11.20 %

Corporate 47.36 %


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RETAIL CREDIT (Domestic)


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INVESTMENTS(GLOBAL)

(Rs.Cr.)


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INVESTMENTS(Domestic)

(Rs. crore)


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Thank You


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