Bank Of India · NSE:BANKINDIA
Bank Of India — FY2022 Earnings Presentation
47 slides from Bank Of India's earnings presentation, May 24, 2022
Slide 1: Cover letter to stock exchanges on investor presentation
Sank of Indio BOI 4c. P4sai44ittiT Tkl-t T.Ref No Ref No.:HO:IRC:SD:2022-23: f'49tT Date: 24.05.2022 Scrip Code: BANKINDIA Scrip Code: 532149 The Vice President — Listing Department-1 The Vice-President — Listing Department, National Stock Exchange of India Ltd., BSE Ltd., Exchange Plaza, 25, P.J. T
Slide 2: Performance Analysis FY2021-22
ank of India Bank of India A Vationship beyond banking PERFORMANCE ANALYSIS FY2021-22 www.bankofindia.co.in 1
Slide 3: Performance Highlights (FY2022 - YOY)
Bank of India Xerationship beyond banking Performance Highlights (FY2022 - YOY) Gross 11.35% Advances CASA 9.26% RAM 15.70% Deposits Advances 379 bps Net 101 bps Net Profit 57.60% Gross NPA % NPA 2
Slide 4: Raising of Capital and External Rating
Bank of India (3 Relationship beyond 6anking Raising of Capital and External Rating Capital raised by Bank of India External Rating of Bank of India (During FY 2021-22) Domestic Long Term Rating Rating Agency Rating Qualified Institution Rs. 2,550 Placement (QIP) Crores 31.08.2021 Infomerics Rating
Slide 5: Table of contents
Bank of India 43 Table of contents Ree1ationship 6eyond 6anking 01 Business Performance (5-15) 02 Financial Performance (16-22) 03 Asset Quality (23-31) olik 74k4or, 04 Capital & Shareholding (32-34) "le> tii, 3 j ovoi 05 Digital and New Initiatives (35-46) www.bankofindia.co.in 4
Slide 6: Business Performance
Bank of India 43 Relationship beyond banking Business Performance www.bankofindia.co.in 5
Slide 7: Global Business
Bank of India 43 Global Business Relationship beyond banking Global Business Mix (Amount in INR crores) Mar-22 10,84,910 4.56% YOY 10,60,519 2.30% QOQ Particulars Mar-21 Dec-21 Mar-22 10,37,549 Credit Deposit Ratio (Global) 65.45% 70.19% 72.78% Mar-21 Dec-21 Mar-22 Global Deposit Global Advances Mar
Slide 8: Deposits & Advances: Domestic & Overseas
Bank of India 43 Deposits & Advances: Domestic & Overseas Relationship beyond banking (Amount in INR crores) Domestic and Overseas Deposits Domestic and Overseas Advances Mar-22 Mar-22 5,51,135 5,45,359 5,50,833 -0.05% YOY 3,93,991 3,82,365 8.73% YOY 1.00% QOQ 3,62,361 3.04% QOQ Mar-22 Mar-22 1.43%
Slide 9: Composition of Gross Advances (Domestic)
Bank of India 43 Composition of Gross Advances (Domestic) Relationship beyond banking (Amount in INR crores) Particulars Agriculture MSME Mar-21 55,698 63,425 Dec-21 64,439 67,400 Mar-22 66,431 69,462 1=1 Growth YOY 19.27% 9.52% Retail 68,058 75,542 80,674 18.54% Corporate & Others 1,29,768 1,25,864
Slide 10: Domestic Deposit - CASA
CA Domestic Deposit - CASA Mar-21 49.52% SA Particulars 5.17% 9.21% % TD (Rs < 2 crores) Types of Deposits Savings Account Current Account CASA (Amount / %) 36.10% TD- Bulk Deposits TD- Others Mar-21 84% Dec-21 CA •SA Particulars 49.85% % TD (Rs < 2 crores) Mar-21 1,96,503 28,166 2,24,669 / 41.27% G
Slide 11: Retail Loans Portfolio
Bank of India 43 Retail Loans Portfolio Relationship beyond banking (Amount in INR crores) Composition of Retail Composition of Retail Composition of Retail Advances (%) Mar-21 Advances (%) Dec-21 Advances (%) Mar-22 Home Home Home 13.00% loans loans 12.15% loans 12.63% Vehicle Vehicle Vehicle 3.76%
Slide 12: Priority Sector Advances
Bank of India 43 Priority Sector Advances Relationship beyond banking (Amount in INR crores) Sl. Parameters Mandated FY2021 FY2022 YOY No. Target Growth % ANBC 3,21,675 3,49,905 Priority Sector 1,32,700 1,45,399 9.57% 1. % To ANBC 40% 41.25% 41.55% Agricuture 56,283 62,973 11.89% 2. % To ANBC 18% 17
Slide 13: Domestic Credit – Industry Wise
Bank of India 43 Domestic Credit – Industry Wise Relationship beyond banking (Amount in INR crores) Particulars Mar-21 Dec-21 Mar-22 Y-O-Y % to Growth % Domestic Advances Infrastructure 58,690 64,206 65,545 11.68 16.64 Basic Metal & Metal products 14,393 13,158 10,845 -24.65 2.75 Textiles 7,895 7,34
Slide 14: Domestic Advances – Infrastructure Sectors
Bank of India 43 Domestic Advances – Infrastructure Sectors Relationship beyond banking (Amount in INR crores) Particulars Mar-21 Dec-21 Mar-22 Power 38,711 43,405 44,584 a) SEBs 18,770 17,681 20,552 - Generation 9,656 9,513 8,946 - Transmission 1,494 1,937 1,620 - Distribution 7,620 6,231 9,986 b)
Slide 15: Corporate Rating
Bank of India 43 Corporate Rating Relationship beyond banking 58% 56% 30% 30% 7% 6% 3% 4% 4% 2% As on 31.03.2021 As on 31.03.2022 • Govt. Exposure • Unrated • BB & Below • BBB • A & above BUSINESS PERFORMANCE www.bankofindia.co.in 14
Slide 16: Domestic Investments
Bank of India 43 Domestic Investments Relationship beyond banking (Amount in INR crores) Particulars Mar-21 Mar-22 AFS HTM HFT AFS HTM HFT SLR Investments 40,214 1,00,927 (24) 26,336 1,02,202 (375) Of Which: Government Securities 40,214 1,00,927 (24) 26,336 1,02,202 (375) Other Approved - - - - - -
Slide 17: Financial Performance
Bank of India 43 Relationship beyond banking Financial Performance www.bankofindia.co.in 16
Slide 18: Net Interest Income
Bank of India 43 Net Interest Income Relationship beyond banking (Amount in INR crores) Particulars Q4FY21 Q3FY22 Q4FY22 FY2021 FY2022 Interest Income 9,327 9,376 9,856 40,599 38,076 a. Advances 6,184 6,432 6,882 27,407 25,842 b. Investments 2,915 2,738 2,723 11,548 11,116 c. Money Market Operations
Slide 19: Non-Interest Income
Bank of India 43 Non-Interest Income Relationship beyond banking (Amount in INR crores) Particulars Q4FY21 Q3FY22 Q4FY22 FY2021 FY2022 Commission, Exchange & Brokerage 316 325 293 1,106 1,198 Profit from Sale and Revaluation of 66 210 -111 1,948 1,407 Investments Profit from Exchange Transactions 71
Slide 20: Operating Profit & Net Profit
Bank of India 43 Operating Profit & Net profit Relationship beyond banking (Amount in INR crores) Particulars Q4FY21 Q3FY22 Q4FY22 FY2021 FY2022 Operating Profit 1,870 2,096 2,466 10,272 9,988 Provisions for - Bad & Doubtful 3,089 693 1,135 6,613 2,943 - Standard Assets and others -1,674 -531 83 154
Slide 21: Operating Profit and Net Profit
Bank of India 43 Operating Profit and Net Profit Relationship beyond banking (Amount in INR crores) Operating Profit Net Profit 1,027 2,466 2,096 1,870 606 250 Q4FY21 Q3FY22 Q4FY22 Q4FY21 Q3FY22 Q4FY22 10,272 3,405 9,988 2,160 FY2021 FY2022 FY2021 FY2022 FINANCIAL PERFORMANCE www.bankofindia.co.in 2
Slide 22: Key Financial Ratios (Global Business)
Bank of India 43 Key Financial Ratios (Global Business) Relationship beyond banking Particulars Q4FY21 Q3FY22 Q4FY22 FY2021 FY2022 Cost of Deposits (%) 3.90 3.75 3.54 4.10 3.69 Yield on Advances (%) 6.70 7.02 6.77 7.48 6.76 Cost of Funds (%) 3.55 3.34 3.22 3.81 3.29 Yield on Funds (%) 5.18 5.24 5.40
Slide 23: Efficiency Ratios
Bank of India 13 Efficiency Ratios ce1ationship beyond banking Yields on Advances & Cost of Deposits (%) Yield on Funds & Cost of Funds (%) 6.70 7.02 6.77 5.18 5.24 5.43 Q4FY22 Yield Cost Q4FY22 Yield Cost 3.90 3.75 3.54 Domestic 7.56 3.95 3.55 3.34 3.23 Domestic 6.06 3.66 Overseas 1.43 0.51 Oversea
Slide 24: Asset Quality
Bank of India 43 Wationship beyond banking Asset Quality www.bankofindia.co.in 23
Slide 25: Asset Quality Ratio
Bank of India 43 Asset Quality Ratio Relationship beyond banking (Amount in INR crores) Particulars Mar-21 Dec-21 Mar-22 Gross NPA 56,535 45,760 45,605 Net NPA 12,262 10,708 9,852 Gross NPA (%) 13.77 10.46 9.98 Net NPA (%) 3.35 2.66 2.34 Provision Coverage Ratio (%) 86.24 86.86 87.76 Particulars Q4F
Slide 26: Special Mention Accounts (SMA)
Bank of India 43 Special Mention Accounts (SMA) Relationship beyond banking (Amount in INR crores) SMA Position (Rs. 5 Cr and above) Mar-21 Mar-22 Parameters % to Gross % to Gross No Amount No AMT Advances FF1 Advances SMA 2 33 4207 1.03% 30 530 0.12% SMA 1 160 2742 0.67% 163 2460 0.54% T otal SMA 1
Slide 27: Sector-wise SMA % to Gross Advances
Bank of India 43 Sector-wise SMA % to Gross Advances Relationship beyond banking (Amount in INR crores) SMA MAR-21 SMA MAR-22 (Rs. 5 Cr and above) (Rs. 5 Cr and above) 3.48% 2.39% 2.51% 1.48% 0.66% 0.91% 0.97% 0.74% 0.15% 0.09% 0.06% 0.18% Retail Agriculture SME RAM Corporate Total Retail Agricultur
Slide 28: Resolution Framework (Standard Restructuring)
Bank of India 43 Resolution Framework (Standard Restructuring) Relationship beyond banking (Amount in INR crores) Category Outstanding as on 31.03.2022 Provision % on Gross Resolution Resolution One Time Advances Framework 1.0 Framework 2.0 Restructuring Retail 468 5099 - 278 MSME 1302 3228 1762 403
Slide 29: Movement of Gross NPA / Net NPA
Bank of India 43 Movement of Gross NPA / Net NPA Relationship beyond banking (Amount in INR crores) Segment Q4FY21 Q3FY22 Q4FY22 FY2021 FY2022 Opening Balance 54,997 50,270 45,760 61,550 56,535 Add: - Fresh Slippage 7,332 1,760 1,502 8,134 8,118 - Debits in existing NPA accounts 36 85 326 406 716 Le
Slide 30: Sector-wise NPA Classification
Bank of India 43 Sector-wise NPA Classification Relationship beyond banking (Amount in INR crores) As on 31.03.2021 As on 31.12.2021 As on 31.03.2022 % of Sectoral GNPA Sectoral GNPA GNPA (%) GNPA GNPA (%) Advances Retail Loans 2,163 3.18 2,033 2.69 2,058 2.55 Out of which, Housing Loan 1,192 1,133
Slide 31: Asset Classification: Global Advances
Bank of India 43 Asset Classification : Global Advances Relationship beyond banking (Amount in INR crores) Sectoral As on 31.03.2021 As on 31.12.2021 As on 31.03.2022 O/s Share (%) O/s Share (%) O/s Share (%) Standard Advances 3,53,901 86.23% 3,91,639 89.54% 4,11,408 90.02% Gross NPA 56,535 13.77% 4
Slide 32: Summary of NCLT Cases (As on 31.03.2022)
Bank of India 43 Summary of NCLT Cases (As on 31.03.2022) Relationship beyond banking (Amount in INR crores) No of Particulars Total book Provision %-Provision accounts o/s held 2 RBI List -1 1457.96 1457.96 100% 10 RBI List -2 2075.79 2075.79 100% 69 Cases filed and admitted in NCLT by our Bank 347
Slide 33: Capital & Shareholding
Bank of India 43 Relationship beyond banking Capital & Shareholding www.bankofindia.co.in 32
Slide 34: Capital Adequacy
Capital Adequacy Bank of India 43 Relationship beyond banking (Amount in INR crores) Particulars 31.03.2021 31.12.2021 31.03.2022 Capital Adequacy - Basel III CET1 Capital 34,690 40,649 44,347 Tier I Capital 36,042 42,001 45,699 Tier II Capital 8,949 9,433 8,206 Total Capital(CRAR) 44,990 51,433 53,
Slide 35: Shareholding Pattern as on 31.03.2022
Bank of India 43 Shareholding Pattern as on 31.03.2022 Relationship beyond banking Particulars Shareholding 5.42% Promoter Pattern 6.12% (Government As on of India) 31.03.2022 7.05% Life Insurance Government of India 81.41% Corporation Life Insurance Corporation 7.05% Indian Public 6.12% Indian publ
Slide 36: Digital Banking, Financial Inclusion, COVID Credit Support & New Initiatives
Bank of India 13 Ree1ationship beyond banking Digital Banking, ..... ......... e•• 0 Financial Inclusion COVID Credit Support & New Initiatives (14 TRANSFER www.bankofindia.co.in 35
Slide 37: Alternate Delivery Channel
Bank of India 43 Alternate Delivery Channel Relationship beyond banking ATM & CRM (actual count) Internet Banking Users (in Thousand) New ATMs 8273 8188 7949 8088 6% installed 7995 YoY in 6933 7884 growth in majority of IB locations. 7598 users Q4FY21 Q2FY22 Q3FY22 Q4FY22 Q4FY21 Q2FY22 Q3FY22 Q4FY22
Slide 38: Technology Transformation
Bank of India 43 Technology Transformation Relationship beyond banking Universal Application E-platform • One solution, 3 offerings- Digital bank, marketplace, financial • Building customer acquisition platform for bank – end to end superstore with 300+ services for customers and to acquire new digi
Slide 39: Growth in Digital Transactions
Bank of India 43 Growth in Digital Transactions Relationship beyond banking The Digital Transactions to Total Transactions increased from 43.52% Apr-18 to 82.97% in Mar-22. Digital Transactions and ADC transactions together has increased from 76.61% in Apr-18 to 93.57% in Mar-22. The total Non
Slide 40: Steps Taken
Bank of India 43 Steps Taken Relationship beyond banking • International Contactless Debit Card Rupay Select Debit card • Maximum limit of cash withdrawal Rs.50,000 per day and POS+Ecom usage daily Limit of Rs.2,00,000 Enabled PoS & E-com in Singapore for Rupay • Help the customers to use their Dome
Slide 41: Digital Banking - Way Forward
Bank of India 13 Digital Banking - Way Forward ce1ationship beyond banking • Credit Card Control Services including the RBI card Security Credit Card services through Finacle enhancement will be integrated in finacle Integration of Loyalty Rewards in • For transaction using BOI mobile, we propos
Slide 42: Financial Inclusion – Products
Financial Inclusion – Products Wviationship 6eyond- banking (Number of accounts) PMJDY Avg Balance in PMJDY 11048 11048 A/Cs 4114 10169 I I Q3FY22 Q4FY22 9693 FY2021 FY2022 15.0015.70 15.00 PMJJBY 16.54 15.00 16.54 3846 Deposit in PMJDY in Crs FY2021 FY2022 10.00 PMSBY 5.94 APY 36.12 36.12 93 92 34.
Slide 43: COVID Credit Support
Bank of India 43 COVID Credit Support Ree1ationship 6eyond 6anking Till 31.03.2022 (INR crores) ECLGS (1.0, 2.0, 3.0, 4.0 & ECLGS Extension) Number of Accounts Sanctioned 4,53,928 MICRO, SMALL & MEDIUM ENTERPRISES VLaqi, all V4 Tron-rr cp-i Total Amount disbursed 7997.69 PM SVANidhi Number of Accoun
Slide 44: Awards & Recognition
Awards & Recognition Bank of India 43 'Relationship beyond banking Bank has won “Best MSME Bank-Runner Up”, Bank was awarded with “Runners-Up Award” in “Best Branding-Winner” and “Best Bank for Finacle Innovation Awards 2021 from M/s Infosys in promoting Social Schemes – Winner” in “MSME Infosys' I
Slide 45: Environmental, Social & Governance (ESG) Practices
Environmental, Social & Governance ( ESG) Practices Bank of India 43 ce1ationship beyond banking Environment Social Governance • Credit flow to the companies • Bank is having RSETIs and Financial • Bank is committed to prudent engaged in Environment Friendly Literacy Centres for imparting Corporate
Slide 46: Disclaimer
Disclaimer Bank of India 43 Relationship beyond banking "This presentation has been prepared by Bank of India (the “Bank”), solely for general information purposes, without regard to any specific objectives, financial situations or informational needs of any particular person. Except for the histori
Slide 47: Thank You!
Bank of India 43 Relationship beyond banking THANK YOU! www.bankofindia.co.in 46