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Bank of India Analyst Presentation - 31st December 2011: A Decade of Growth and Milestones

This presentation outlines Bank of India's significant growth and milestones leading up to December 31, 2011. Established in 1906, the bank has evolved into a key player in India’s economic landscape, achieving important milestones such as the first Indian bank to open branches overseas in London (1946) and Tokyo (1950). Recognized for its consistent performance, it surpassed multiple profit landmarks, receiving numerous accolades and awards for its excellence in banking services. The bank is focused on enhancing customer experience and expanding its global footprint.

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Bank of India Analyst Presentation - 31st December 2011: A Decade of Growth and Milestones

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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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