Bank Of India · NSE:BANKINDIA
Bank Of India — Investor Presentation (March 2020)
23 slides from Bank Of India's investor presentation, Mar 4, 2020
Slide 1: Cover letter to stock exchanges
Rdgw#-4-4-F4-41-Fr INVESTOR RELATIONS CELL 51 11 4)11FC11 : HEAD OFFICE : Bank of inaai k.ed t Taff, *-5,litr Star House, C-5, "G" Block, 8th Floor (East Wing), cl!v F4149; Bandra- Kurla Complex, (14), Bandra (East) 400 051 Mumbai — 400 051 : (022)- 6668 4490 : (022)- 6668 4491 Phone : (022)- 6668 4
Slide 2: Corporate Presentation March 2020
Corporate Presentation March 2020
Slide 3: Disclaimer
I* 3rfils ekar 6 DISCLAIMER Bank of India This presentation has been prepared for general information purposes in respect of Bank of India (“Bank”) together with its subsidiaries (together, with the Bank, the “Group”) only, without regard to any specific objectives, suitability, financial situations
Slide 4: Overview
3rfils ekar OVERVIEW Bank of India Overview Awards & Accolades Incorporated in 1906 and operated as a private bank until nationalization in 1969 2nd Most Trusted Brand in Public Sector – Banking One of the top five public sector banks in terms of assets and deposits1 Category – ‘ET Now’ Survey (
Slide 5: Key Milestones
I* 3rfils ekar 6 KEY MILESTONES Bank of India Incorporated Initial Pubic Set up of ESPS – as ‘The Bank Set up of Offering - branch office 94.70% of India branch office Equity shares in Paris, Employee Limited’ in in London listed on NSE Europe Participation Mumbai and BSE ■ ■ ■ 1906 1921 1946 1969 1
Slide 6: 9MFY20 Highlights
I* 3rfils ekar 6 9MFY20 HIGHLIGHTS Bank of India Total Deposits Net Interest Income NIM Cost-Income Ratio Rs. 5,221.38 Bn Rs. 114.64 Bn 2.83% 46.23% (Rs. 5,151.28 Bn) (Rs. 96.13 Bn) (2.41%) (55.95%) Total Net Advances Operating Profit CASA PCR Rs. 3,366.61 Bn Rs. 88.66 Bn 42.69% 77.15% (Rs. 3,311.14
Slide 7: FY19 Highlights
I* 3rfils ekar 6 FY19 HIGHLIGHTS Bank of India Total Deposits Net Interest Income NIM Cost-Income Ratio Rs. 5,208.62 Bn Rs. 136.58 Bn 2.55% 56.93% (Rs. 5,208.54 Bn) (Rs. 105.06 Bn) (1.89%) (56.04%) Total Net Advances Operating Profit CASA PCR Rs. 3,410.06 Bn Rs. 80.92 Bn 43.36% 76.95% (Rs. 3,413.80
Slide 8: Strengths
I* 3rfils ekar 6 STRENGTHS Bank of India Professional and Experienced Board and Senior Management Team Recognized brand with over 110 Balanced Credit years of operations and wide Portfolio network across India and significant international presence Technology-enabled Improving Financial Systems and
Slide 9: Wide Distribution Network
3rfils ekar WIDE DISTRIBUTION NETWORK Bank of India Pan India Distribution Network As on Dec 31, 2019 Distribution of Domestic Branches 8 Central Metro Total Branches – 5,089 16.23% North 19.51% 27.71% 10 19 100 South As on Rural As on 35 5 163 13.48% Dec 31, 2019 35.98% Dec 31, 2019 Urban 15.94% 65
Slide 10: Delivery Channels
I* 3rfils ekar 6 DELIVERY CHANNELS Bank of India No. of Domestic Branches No. of ATMs and CRMs • ATMs CRMs 5,127 5,123 7,717 7,423 6,154 6,168 5,750 5,092 5,093 5,089 1,335 484 484 484 484 FY17 FY18 FY19 9MFY19 9MFY20 FY17 FY18 FY19 9MFY19 9MFY20 Internet Banking Users Mobile Banking Users (‘000) (‘
Slide 11: Strong Liability Franchise
I* 3rfils ekar 6 STRONG LIABILITY FRANCHISE Bank of India Total Deposits CASA % INR Bn 5,400.32 43.36% 5,208.54 5,208.62 5,151.28 5,221.38 42.65% 42.69% 41.43% 39.84% FY17 FY18 FY19 9MFY19 9MFY20 FY17 FY18 FY19 9MFY19 9MFY20 Cost of Average Deposits1 Customer Base Million 4.68% 100.64 99.03 94.04 94
Slide 12: Balanced Credit Portfolio
I* 3rfils ekar 6 BALANCED CREDIT PORTFOLIO Bank of India Total Net Advances Break-up of Gross Domestic Advances INR Bn RAM RAM 48.96% 49.49% 14.63% 17.69% 3,664.82 3,413.80 3,410.06 3,366.61 C 3,311.14 FY17 16.45% 51.04% 50.51% 9MFY20 15.49% 17.88% 16.31% Retail Agri MSME Corporate & Others FY17 FY1
Slide 13: Asset Quality
I* 3rfils ekar 6 ASSET QUALITY Bank of India Asset Quality Provision Coverage Ratio 76.95% 76.76% 77.15% 16.58% 15.84% 16.31% 16.30% 65.85% 13.22% 61.47% 8.26% 6.90% 5.87% 5.97% 5.61% III FY17 FY18 FY19 9MFY19 9MFY20 FY17 FY18 FY19 9MFY19 9MFY20 GNPA NNPA Segment-Wise Gross NPA Slippages & Recoverie
Slide 14: Asset Quality
I* 3rfils ekar 6 ASSET QUALITY Bank of India Domestic Gross Fund-Based Loans Restructured Advances As on Dec 31, 2019 As on Dec 31, 2019 Sector Amount (Rs. Bn.) % of Advances Sector Amount (Rs. Bn.) Infrastructure 478.31 14.29% Infra 18.49 Basic metal and metal products 107.49 3.21% Aviation 15.52 T
Slide 15: Capital Adequacy
I* 3rfils ekar 6 CAPITAL ADEQUACY Bank of India CET-I Capital Tier I Capital INR Bn INR Bn CET-I Capital CET-I (%) Tier I Capital Tier I (%) 336.83 337.32 338.70 338.22 308.66 308.98 270.39 274.44 248.58 249.93 11.07% 11.17% 11.01% 11.14% Ii I 9.73% 9.24% 9.10% 8.91% 7.87% 7.17% FY17 FY18 FY19 9MFY1
Slide 16: Financials
I* 3rfils ekar 6 FINANCIALS Bank of India Net Interest Income Non Interest Income INR Bn INR Bn 136.58 118.26 114.64 105.06 96.13 67.72 57.34 51.32 50.25 35.29 FY17 FY18 FY19 9MFY19 9MFY20 FY17 FY18 FY19 9MFY19 9MFY20 Operating Profit Net Profit INR Bn INR Bn 6.15 97.33 FY17 FY18 FY19 9MFY19 9MFY20
Slide 17: Financials
I* 3rfils ekar 6 FINANCIALS Bank of India Net Interest Margin1 Cost-Income Ratio 2.83% 56.04% 56.93% 55.95% 2.55% 2.41% 47.67% 46.23% 2.15% 1.89% FY17 FY18 FY19 9MFY19 9MFY20 FY17 FY18 FY19 9MFY19 9MFY20 1 Net interest margin is the difference of interest earned and interest expended divided by the
Slide 18: Professional and Experienced Board
3rfils ekar PROFESSIONAL AND EXPERIENCED BOARD Bank of India Seasoned Professionals with Experience in their Fields Mr. Gopalaraman Padmanabhan Holds a bachelor’s and master’s degree in arts from the University of Kerala and a master’s degree in business Chairman and Non-Executive administration i
Slide 19: Strategies
I* 3rfils ekar 6 STRATEGIES Bank of India Expand the Bank’s retail, agriculture and MSME lending profile by leveraging its existing customer base Continue to contain funding cost by sourcing low cost deposits such as CASA Focus on improving asset quality and containing NPA levels Leverage technology
Slide 20: Annexures
I* 3rfils ekar 6 Bank of India ANNEXURES 19
Slide 21: Balance Sheet
I* 3rfils ekar 6 BALANCE SHEET Bank of India Balance Sheet FY17 FY18 FY19 9MFY19 9MFY20 CAPITAL & LIABILITIES Capital 10.55 17.44 27.60 17.44 32.78 Reserves & Surplus 308.52 350.13 402.54 296.53 453.41 Share Application Money Pending for Allotment 17.22 - 46.38 100.86 - Minority Interest 0.81 1.59 1
Slide 22: Profit & Loss Statement
I* 3rfils ekar 6 PROFIT & LOSS STATEMENT Bank of India Profit & Loss Statement FY17 FY18 FY19 9MFY19 9MFY20 INCOME Interest Earned 395.85 383.13 410.05 301.35 320.06 Other Income 68.19 58.46 52.64 32.74 51.01 Total Income 464.05 441.59 462.69 334.08 371.06 EXPENDITURE Interest Expended 276.06 276.79
Slide 23: Glossary
I* 3rfils ekar 6 GLOSSARY Bank of India Term Description Net interest margin is the difference of interest earned and interest expended divided by the total quarterly average (Closing) NIM interest-earning assets Yield on Average Advances Yield on Average Advances is interest income from Advances di