ANALYST PRESENTATION 31st December, 2011 1 BANK OF
Description: ANALYST PRESENTATION 31st December, 2011 1 BANK OF INDIA Journey Commenced here - 1906 Corporate Office BKC, Mumbai- 2003 BANK OF INDIA FRONT-RUNNER IN INDIAS GROWTH STORY Milestones 1906: Group of eminent businessmen establishes the Bank
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slide1. ANALYST PRESENTATION
31st December, 2011 1 BANK OF INDIA<br>
slide2. Journey Commenced here - 1906 Corporate Office BKC, Mumbai- 2003 BANK OF INDIA
FRONT-RUNNER IN INDIA’S GROWTH STORY<br>
slide3. 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 3<br>
slide4. 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 4<br>
slide5. 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 5<br>
slide6. New Intiatives 6 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 Kisan Sathi 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<br>
slide7. IT New Intiatives 7 We have installed 43 number of ATMs during the 3Q (Quarter ended 31st December, 2011).<br>
slide8. Investor Profile- Shareholding Pattern (%) Total Foreign Holding 15.66 % 8<br>
slide9. Global Footprints – Foreign Branches of the Bank Japan (Tokyo & Osaka) Phnom Penh Singapore
Jakarta
Ho Chi Minh Hong Kong Kowloon
Shenzen Jo’burgh (SA) Kenya (Nairobi, Mombasa,
Ind Area & Westlands) Europe
-France (Paris)
-Belgium (Antwerp) UK (London + 7branches) Channel Islands USA (New York & SFO) West Indies
- Cayman Islands Tanzania
(Subsidiary), Dubai
(Representative office) 9 New Zealand
(Subsidiary)<br>
slide10. Credit Rating - International & Domestic<br>
slide11. Highlights Business touched `5,403,668 Mn ( YoY Growth 21.35%)
Deposits stood at `3,072,523 Mn (YoY Growth 21.67%)
CASA at 32.41%
Advances at `2,331,146 Mn (YoY Growth 20.94%)
Operating Profit increased from ` 13,888 Mn to `17,319 Mn (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 Mn to ` 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 11<br>
slide12. Major Business Parameters (`/Mn) 12<br>
slide13. Deposits `/ Tn 13<br>
slide14. Domestic Deposits (CASA) `/Mn 14<br>
slide15. Domestic Deposits – Category-wise `/ Bn 15<br>
slide16. Gross Advances `/ Tn 16<br>
slide17. Domestic Advances – Category Wise as on 31.12.2011 17 `/ Bn<br>
slide18. Key Sectors (Domestic Credits) `/Mn 18<br>
slide19. Domestic Credit 19 `/Mn<br>
slide20. 20 Sector Wise Breakup (Non Food Credit) ` / Mn<br>
slide21. Industry Wise Credit 21 ` / Mn<br>
slide22. Advances to Sensitive Sectors - Domestic ` / Mn 22<br>
slide23. RESTRUCTURED ACCOUNTS Includes all facilities of the borrowers 23 `/Mn<br>
slide24. MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS 24 `/Mn<br>
slide25. MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS 25 `/Mn<br>
slide26. Sector-wise breakup of restructured accounts (>10 Mn) (Domestic) in Q3 `/Mn 26<br>
slide27. Restructured A/Cs Slipped (>Rs.10 Mn) –(Domestic) 27 `/Mn<br>
slide28. Sector-wise breakup of restructured accounts Slipped to NPA (>10 Mn) (Domestic) 28 `/Mn<br>
slide29. NPA Movement 29 `/Mn<br>
slide30. (`/Mn) 30 NPA Sequential Ratios<br>
slide31. Sector wise Breakup of NPA - Domestic ` / Mn 31<br>
slide32. Overseas NPAs ` / Mn 32<br>
slide33. Profit – Summary `/Mn 33<br>
slide34. Net Interest Income ` / Mn 34<br>
slide35. Non-interest Income ` / Mn 35<br>
slide36. Cost & Yield Ratios –Quarterly Comparison 36 Cost and Yield (%)<br>
slide37. Business Ratios – Quarterly Comparison 37<br>
slide38. Investments 38 ` / Mn<br>
slide39. Investments - Domestic `/Mn 39<br>
slide40. Capital Adequacy –Basel II `/Mn 40<br>
slide41. Productivity Business Per Branch Business Per Employee `/Mn 41<br>
slide42. 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<br>
slide43. 43<br>
31st December, 2011 1 BANK OF INDIA<br>
slide2. Journey Commenced here - 1906 Corporate Office BKC, Mumbai- 2003 BANK OF INDIA
FRONT-RUNNER IN INDIA’S GROWTH STORY<br>
slide3. 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 3<br>
slide4. 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 4<br>
slide5. 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 5<br>
slide6. New Intiatives 6 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 Kisan Sathi 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<br>
slide7. IT New Intiatives 7 We have installed 43 number of ATMs during the 3Q (Quarter ended 31st December, 2011).<br>
slide8. Investor Profile- Shareholding Pattern (%) Total Foreign Holding 15.66 % 8<br>
slide9. Global Footprints – Foreign Branches of the Bank Japan (Tokyo & Osaka) Phnom Penh Singapore
Jakarta
Ho Chi Minh Hong Kong Kowloon
Shenzen Jo’burgh (SA) Kenya (Nairobi, Mombasa,
Ind Area & Westlands) Europe
-France (Paris)
-Belgium (Antwerp) UK (London + 7branches) Channel Islands USA (New York & SFO) West Indies
- Cayman Islands Tanzania
(Subsidiary), Dubai
(Representative office) 9 New Zealand
(Subsidiary)<br>
slide10. Credit Rating - International & Domestic<br>
slide11. Highlights Business touched `5,403,668 Mn ( YoY Growth 21.35%)
Deposits stood at `3,072,523 Mn (YoY Growth 21.67%)
CASA at 32.41%
Advances at `2,331,146 Mn (YoY Growth 20.94%)
Operating Profit increased from ` 13,888 Mn to `17,319 Mn (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 Mn to ` 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 11<br>
slide12. Major Business Parameters (`/Mn) 12<br>
slide13. Deposits `/ Tn 13<br>
slide14. Domestic Deposits (CASA) `/Mn 14<br>
slide15. Domestic Deposits – Category-wise `/ Bn 15<br>
slide16. Gross Advances `/ Tn 16<br>
slide17. Domestic Advances – Category Wise as on 31.12.2011 17 `/ Bn<br>
slide18. Key Sectors (Domestic Credits) `/Mn 18<br>
slide19. Domestic Credit 19 `/Mn<br>
slide20. 20 Sector Wise Breakup (Non Food Credit) ` / Mn<br>
slide21. Industry Wise Credit 21 ` / Mn<br>
slide22. Advances to Sensitive Sectors - Domestic ` / Mn 22<br>
slide23. RESTRUCTURED ACCOUNTS Includes all facilities of the borrowers 23 `/Mn<br>
slide24. MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS 24 `/Mn<br>
slide25. MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS 25 `/Mn<br>
slide26. Sector-wise breakup of restructured accounts (>10 Mn) (Domestic) in Q3 `/Mn 26<br>
slide27. Restructured A/Cs Slipped (>Rs.10 Mn) –(Domestic) 27 `/Mn<br>
slide28. Sector-wise breakup of restructured accounts Slipped to NPA (>10 Mn) (Domestic) 28 `/Mn<br>
slide29. NPA Movement 29 `/Mn<br>
slide30. (`/Mn) 30 NPA Sequential Ratios<br>
slide31. Sector wise Breakup of NPA - Domestic ` / Mn 31<br>
slide32. Overseas NPAs ` / Mn 32<br>
slide33. Profit – Summary `/Mn 33<br>
slide34. Net Interest Income ` / Mn 34<br>
slide35. Non-interest Income ` / Mn 35<br>
slide36. Cost & Yield Ratios –Quarterly Comparison 36 Cost and Yield (%)<br>
slide37. Business Ratios – Quarterly Comparison 37<br>
slide38. Investments 38 ` / Mn<br>
slide39. Investments - Domestic `/Mn 39<br>
slide40. Capital Adequacy –Basel II `/Mn 40<br>
slide41. Productivity Business Per Branch Business Per Employee `/Mn 41<br>
slide42. 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<br>
slide43. 43<br>