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BANK OF INDIA. ANALYST PRESENTATION MARCH 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 MARCH 2011


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    1. BANK OF INDIA ANALYST PRESENTATION MARCH 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 • IBA banking Technology Award 2009 for the Best Business Enablement Initiatives • National Award for Excellence in Lending to Micro & Small Enterprises • 2009 – Conferred by the Government of India, Ministry of Micro, Small • & Medium Enterprises • Best Education Loan Provider: Outlook Money – NDTV Profit Awards • Adjudged the Best Bank in PSU Bank Category in NDTV Profit Business Leadership Awards 2009

    5. Awards & Accolades • BOI rated by Economic Times/AC Nielsen Survey for ‘The Most Trusted • Brands” (MTB) 2009 - 2nd under PSU Banks Category (next to SBI) • 8th in Top Service Brands • Secured 92nd place in MTB – an improvement of 54 rankings as compared to previous year • Won the Award for Top Public Sector Bank under Best Bank Category & • Overall Best Bank by D & B Banking Awards 2009 • 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 • 12 specialized SME Centres established in select cities to accelerate credit delivery to the vital segments • 5 dedicated Retail Business Centres opened in various cities for focused attention for scaling up Retail business • 15 Rural Credit Processing hubs opened for facilitating credit deliveries in rural areas

    7. IT Intiatives • 605 new ATMs installed during current FY thus taking the total ATMs to 1425. • Mobile Banking services extended to all retail internet banking customers • Bank has implemented Two Factor Authentication (2FA) – star Token for both Retail and Corporate internet banking customers as an additional security measure. • Bank has launched website in regional language “Marathi” and has plan to roll out in other regional languages • Credit Application Processing Systems (CAPS) introduced covering all major credit segments –Retail, Corporate , MSME and Agriculture

    8. Investor Profile- Shareholding Pattern (%) Total Foreign Holding 14.72 %

    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 West Indies - Cayman Islands Kenya (Nairobi, Mombasa, Ind Area & Westlands) Tanzania (Subsidiary) Channel Islands Jo’burgh (SA) Hong Kong Branch celebrated 50 years of operations in April 2010 Tokyo Branch celebrated Diamond Jubilee in July 2010

    10. Strategic Investments - Alliances & Jt. Ventures • Promoter & largest share-holder of a leading Indian Primary Dealer – Securities Trading Corp of India Ltd. • JV with BSE to manage clearing & settlement operations – BOI Shareholding Ltd. • JV insurance company – SUD Life Insurance Co. Ltd. (Partners: Dai-Ichi Life Insurance Co. Ltd., Japan & Union Bank of India) • 100% subsidiary in Tanzania – BOI (Tanzania) Ltd. • Acquired PT Bank SwadesiTbk, Indonesia (76% stake) • ASREC – Asset reconstruction company- Joint venture(26% stake) • Indo Zambia Bank –Joint venture (20% stake) • 100% subsidiary in New Zealand – BOI (New Zealand )

    11. Strategic Investments - Alliances & Jt. Ventures • Strategic investment in – • MCX – The leading commodity exchange • NCML – Financial intermediaries • CIBIL – Credit Information Bureau • USIL - Foreign Currency Stock Exchange • NPC - National Payment Corporation

    12. Credit Rating - International & Domestic

    13. Highlights • Business touched INR 5,150 Bn (YoY Growth 28%) • Deposits stood at INR 2,989 Bn ( YoY Growth 30%) • Advances at INR 2,161Bn (YoY Growth 26 %) • Operating Profit increased from INR 47.05 Bnto INR 53.84Bn • ( 14% Y-o-Y) • Net Profit increased from INR 17.41 Bn to INR 24.89Bn • ( 43% Y-o-Y) • Net Interest Margin improves from 2.51% to 2.92% (Y-o-Y) • Gross NPA decreases from 2.85% to 2.23% (Y-o-Y) • Net NPA decreases from 1.31% to 0.91%(Y-o-Y)

    14. Major Business Parameters (INR/Mn)

    15. Deposits INR/ Bn • Domestic Deposits • Y-o-Y Growth :26.02 % Foreign Deposits Y-o-Y Growth:39.87 % Global Deposits Y-o-Y Growth: 28.41%

    16. Domestic Deposits (CASA) INR/Mn Share of CASA to Aggregate Deposits Mar 11: 29.18% Savings Bank Y-o-Y Growth: 23% CASA Y-o-Y Growth: 18% 16

    17. Domestic Deposits – Category-wise INR/ Bn

    18. Gross Advances INR/ Bn Domestic Y-o-Y Growth: 22.16 % Foreign Y-o-Y Growth: 41.20% Global Y-o-Y Growth: 26.17%

    19. Domestic Advances – Category Wise as on 31.03.2011 INR/ Bn

    20. Key Sectors(Domestic Credits) INR/Mn

    21. Major Industry-wise Advances - Domestic INR / Mn

    22. Advances to Sensitive Sectors - Domestic INR / Mn

    23. Overseas Advances - Breakup INR / Mn * Others include Staff Loans,Bills discounted for other banks, syndication/ECB loans, FCTL, etc. 23

    24. RESTRUCTURED ACCOUNTSIncludes all facilities of the borrowers INR/Mn 24

    25. RESTRUCTURED ACCOUNTS (Contd…)Includes all facilities of the borrowers INR/Mn 25

    26. MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS INR/Mn 26

    27. MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS (Contd…) INR/Mn

    28. Sector-wise breakup of restructured accounts (>10 Mn) (Domestic) in Q4 INR/Mn 28

    29. Restructured A/Cs Slipped (>Rs.10 Mn) –(Domestic) INR/Mn

    30. Sector-wise breakup of restructured accounts Slipped (>10 Mn) (Domestic) INR/Mn 30

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

    32. NPA Ratio

    33. NPAs INR / Mn 33

    34. NPA Movement ( INR/ Mn) 34

    35. NPA Sequential Movement ( INR/ Mn) 35

    36. NPA Ratios (INR/Mn) 36

    37. NPA Sequential Ratios (INR/Mn) 37

    38. Sector wise Breakup of NPA - Domestic INR / Mn 38

    39. Overseas NPAs INR / Mn 39

    40. Profitability(Qtr sequential) INR/Mn 40

    41. Profit – Summary INR Mn

    42. Profitability (Y-o-Y) INR/Mn 42

    43. Profit Geographical Distribution (INR/Mn) 43

    44. Net Interest Income INR / Mn

    45. Net Interest Income(Y-o-Y) INR/Mn

    46. Non-interest Income INR / Mn

    47. Non Interest Income(Y-o-Y) (INR/Mn)

    48. Operating Expenses - A break up INR/Mn

    49. Operating Expenses (Y-o-Y) INR/Mn

    50. Net Profit INR / Mn