Bank Of India · NSE:BANKINDIA
Bank Of India — Q3 FY2019-20 Earnings Presentation
36 slides from Bank Of India's earnings presentation, Jan 31, 2020
Slide 1: Cover letter to stock exchanges
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Slide 2: Press Release: December 2019 (Q3 FY2019-20) Financial Results
strof Er dia BOI PRESS RELEASE BANK OF INDIA ANNOUNCES DECEMBER 2019 (Q3 - FY 2019-20) FINANCIAL RESULTS HIGHLIGHTS OF Q3, FY2019-20: r —I 4- “BANK OF INDIA CONSOLIDATES IN PROFIT ZONE” 4- Net Profits for consecutive four quarters 4- Net Profit stands at Rs.106 crore. 4- NIM (Domestic) improves to 3
Slide 3: Press Release: Asset Quality, Profit, Capital Adequacy
Retail Credit grew from Rs. 53,524 crore in December,2018 to Rs.58,848 crore in December,2019, i.e. with an increase of 9.95%. Priority Sector advances stood at Rs.1,24,267 crore which constitutes 41.38 % of ANBC. Agriculture advances were Rs. 51,930 crore forming 17.29 % of ANBC. The total Ri
Slide 4: Financial Ratios, Digitisation and Awards
FINANCIAL RATIOS (Quarterly): NIM (Global) improved from 2.55% for Q3 of FY 2018-19 to 3.07% in Q3 of current year. Similarly, NIM (Domestic) improved from 3.02% for Q3 of FY 2018-19 to 3.45% in Q3 of current year. Yield on Advances (Global) improved from 8.31% in Dec, 2018 to 8.91% in Dec, 2019
Slide 5: Performance Analysis Q3 FY 2019-20
Relationship beyond banking ii Performance Analysis Q3 : FY 2019-20
Slide 6: Performance At A Glance - Business
Performance At A Glance - Business (Q-o-Q) BOI ''' Variation (%) Business Mix Dec 18 Mar 19 Sep 19 Dec 19 over (Deposits + Advances) Dec 18 Sep 19 Global Business 887,931 903,723 895,030 900,824 1.45 0.65 Domestic 725,264 749,920 758,172 786,192 8.40 3.70 Foreign 162,667 153,803 136,858 114,632 -29.
Slide 7: Performance Highlights
Performance Highlights BOI '1 Operating Profit Net Profit 4135 2273 106 (4738) Dec 18 Dec 19 Dec 18 Dec-19 Dec -18 CRAR CASA( Domestic) 42.69 14.20% 12.47% 11.17% 42.65 9.24% Dec 18 Dec 19 Dec 18 Dec 19 Tier 1 CRAR 3
Slide 8: Performance Highlights (Cont'd)
Performance Highlights(Cont’d) Provision Coverage Net Interest Margin 3.02% 3.45% 3.07% 76.76 77.15 2.55% 0.99% 1.16% Dec 18 Dec 19 ■ Foreign Domestic 111 Global Dec 18 Dec 19 Risk Weighted Assets (Rs in crore) NPA Ratio GNPA 16.31% 16.30% NNPA 3,02,849 2,97,023 5.87% 5.97% Dec 18 Dec 19 Dec 18 Dec
Slide 9: Domestic Deposits - CASA
,, Domestic Deposits - CASA BOI Dec 18 CA Dec 19 TD 5.82% TD CA SA Others 36.83% Others 6.26% SA 50.14% 49.78% 36.43% Bulk Deposits Bulk 7.21% Deposits 7.53 % CASA : 42.65% CASA : 42.69% Type of deposits Dec 18 Mar 19 Sep 19 Dec 19 Y-O-Y Growth Current 23,881 23,354 23,033 28,110 17.70 Account Savin
Slide 10: Key Sectors – Domestic
Key Sectors – Domestic BOI €) Y-O-Y % to Domestic credit Industry Dec 18 Mar 19 Sep 19 Dec 19 Growth % Dec 19 Agriculture 49,698 50,338 50,841 51,546 3.72 15.49 (Excluding RIDF) MSME 53,220 54,595 53,862 54,261 1.96 16.31 Retail 53,524 56,492 57,665 58,848 9.95 17.69 RAM 156,442 161,425 162,368 164,
Slide 11: Retail Credit
Retail Credit BOI ''' % to Retail Y-O-Y Particulars Dec 18 Mar 19 Sep 19 Dec 19 Credit Growth % Dec 19 Home 31,364 32,417 33,572 34,647 10.47 58.88 Mortgage 6,884 6,947 6,725 6,662 (3.22) 11.32 Auto 5,003 5,089 5,106 5,433 8.59 9.23 Education 3,333 3,257 3,235 3,196 (4.11) 5.43 Personal 1,656 1,681
Slide 12: Domestic Credit – Industry-wise
Domestic Credit – Industry-wise BOI ''' % to Y-O-Y Particulars Dec. 18 Mar 19 June 19 Sept. 19 Dec. 19 Domestic Growth % Advances Infrastructure 51,815 51,045 51,012 50901 51764 -0.10 15.56 Basic Metal & Metal 13,210 13,882 13,673 13573 14072 6.53 4.23 products Textiles 8,596 8,341 8,087 8193 8300 -
Slide 13: Priority Sector Advances
Priority Sector Advances BOI Y-O-Y % to Industry Dec 18 Mar 19 Sep 19 Dec 19 Growth % ANBC Agriculture 52,533 57,302 51,501 51,930 (1.15) 17.29 Out of which, 25,167 28,455 26,014 26,479 5.22 8.82 S&MF MSME 50,403 51,866 49,972 50,370 (0.07) Out of which, Micro 23,767 26,148 25,569 26,219 10.32 8.73
Slide 14: Advances - Infrastructure Sectors
Advances - Infrastructure Sectors BOI ''' Particulars Dec 18 Mar 19 Sep 19 Dec 19 Y-O-Y ( % ) Power 34,573 33,867 32,417 33,036 (4.45) a) SEBs 13,988 12,158 13,026 13,023 (6.90) b) Others 20,585 21,709 19,391 20,013 (2.78) Roads and Ports 11,965 11,944 12,546 12,654 5.76 Telecom 489 488 486 489 0 Ot
Slide 15: Advances - Infrastructure Sectors (rating mix)
Advances - Infrastructure Sectors BOI 21% 21% (Govt Exposures) 14% 11% Unrated 8% 8% Below 6% 7% BBB 49% 54% A & above Dec 18 Dec 19 ■A & Above ■ BBB ■ Below BBB ■ Unrated ■ Govt Exposures 11
Slide 16: SMA-1 & 2 Accounts
SMA - 1 & 2 ACCOUNTS BOI ''' REPORTED TO RBI-CRILC (Central Repository of Information on Large Credits) EXPOSURE OF RS. 5 Crore and above No. of VERTICAL No. of Borrowers FB+NFB O/S FB+NFB O/S No. of Borrowers FB+NFB O/S Borrowers Dec-18 Mar-19 Dec-19 SMA-1 155 5,583 168 7,982 116 5,860 SMA-2 146 6,
Slide 17: Sector breakup of Restructured Advances 31.12.2019
Sector breakup of Restructured Advances 31.12.2019 Dec-18 Dec-19 NO. OF NO. OF Sector ACCOUNT AMOUNT ACCOUNT AMOUNT INFRA 16 1,831 15 1849 INFRA-POWER 10 1,543 11 1654 INFRA-TELECOM - - 0 0 INFRA-ROADS & PORTS 4 195 3 117 INFRA-OTHERS 2 93 1 77 AVIATION 1 3,685 1 1552 TEXTILES 6 24 17 54 ENGG 4 37 7
Slide 18: NCLT Accounts as on 31.12.2019
NCLT ACCOUNTS as on 31.12.2019 BOI 37090.78 26185.1 2083.81 6349.97 2471.9 AIIIIP NM 0 7 NCLT 1 List NCLT 2 List Account Accounts Total filed by BOI filed by at NCLT other banks at NCLT Gross Exposure in INR crore 14
Slide 19: Asset Quality – Sequential
Asset Quality – Sequential BOI €) Item Dec 18 Mar 19 Sep 19 Dec 19 Gross NPA 60,798 60,661 61,476 61,730 Net NPA 19,438 19,119 19,646 20,113 Gross NPA % 16.31 15.84 16.31 16.30 Net NPA % 5.87 5.61 5.87 5.97 Provision Coverage 76.76 76.95 77.12 77.15 Ratio % 15
Slide 20: Movement of NPA
Movement of NPA BOI ''' Item Dec 18 Mar 19 Sep 19 Dec 19 Opening 61,561 60,798 62,068 61,476 Balance Less : Recovery 2,353 1,982 966 3,212 Upgradation 171 477 294 447 Write Off 2,554 780 2,498 2,803 Total reduction 5,078 3,239 3,758 6,462 Slippages 4,315 3,102 3,166 6,716 Closing Balance 60,798 60,6
Slide 21: Breakup of Gross NPA
Breakup of Gross NPA BOI % to Particulars Dec 18 Mar 19 Sep 19 Dec 19 Domestic Credit Dec 18 Dec19 Large Corporate 31,981 32,097 32,537 32,793 19.78 18.72 MSME 9,226 9,023 9,041 8,993 18.70 17.67 AGRICULTURE 7,816 8,368 8,577 8,730 16.52 18.09 RETAIL 1,722 1,679 1,693 1,769 3.21 3.04 TOTAL (Domestic
Slide 22: Investments (Domestic)
Investments (Domestic) BOI Dec 18 Dec 19 Particulars AFS HTM HFT AFS HTM HFT SLR Investments 25,051 82,530 525 32,819 83,688 41 Of Which: Government Securities 25,051 82,530 525 32,819 83,688 41 Other Approved Securities 0 0 0 0 0 0 M Duration 2.47 -- 6.06 2.09 -- 5.36 Non SLR Investments 17,962 18,
Slide 23: Net Interest Income – (Quarter ended)
Net Interest Income – (Quarter ended ) BOI Quarter ended Variation (%) over Particulars Dec 18 Mar 19 Sep 19 Dec 19 Dec 18 Sep 19 Interest Income 10,171 10,814 10,658 10,835 6.53 1.66 a. From Advances 6,953 7,089 7,342 7,331 5.44 -0.15 b. From 2,429 2,662 2,588 2,714 11.73 4.87 Investments c. From M
Slide 24: Non-Interest Income – (Quarter ended)
Non-Interest Income – (Quarter ended) BOI €) Quarter ended Variation (%) Particulars over Dec 18 Sep 19 Dec 18 Mar 19 Sep 19 Dec 19 Commission, Exchange & 322 378 392 317 -1.55 -19.13 Brokerage Profit from Sale of 71 148 112 57 -19.72 -49.11 Investments Profit from Exchange 325 246 405 386 18.77 -4.
Slide 25: Provisions - (Quarter ended)
Provisions - (Quarter ended ) BOI Particulars Dec 18 Mar 19 Sep 19 Dec 19 Operating Profit 2,273 2,303 2,460 4,135 Provisions for B&D 9,179 1,503 1,452 3,774 Standard Assets (114) 239 225 89 NPV / Others (19) (21) 327 88 Depreciation on (45) 176 49 64 Investment Total Provisions before 9,001 1,897 2
Slide 26: Cost of Deposits & Yield on Advance (Q-o-Q)
Cost of Deposits & Yield on Advance (Q-o-Q) ea Cost Of Deposits Yield On Advance 8.63 8.78 8.91 8.31 8.27 4.49 4.5 4.56 4.62 4.58 I I I I I I Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 22
Slide 27: Cost of Deposits & Yield on Advance (Q-o-Q)
Cost of Deposits & Yield on Advance (Q-o-Q) BOI Dec 18 Dec 19 Particulars Domestic Foreign Global Domestic Foreign Global Cost of Deposits 5.23 1.45 4.49 5.08 1.63 4.58 Yield on Advances 9.33 3.63 8.31 9.67 3.77 8.91 Yield on Investments 7.34 6.04 7.28 7.27 6.12 7.23 Net Interest Margin 3.02 0.99 2.
Slide 28: Capital Adequacy – Basel-III
Capital Adequacy – Basel-III BOI ''' Particulars Dec 18 Mar 19 Sep19 Dec19 Capital Adequacy - Basel III CET1 Capital 27,039 33,683 33,247 33732 Tier I Capital 27,444 33,870 33,434 33822 Tier II Capital 9,620 9,534 9,155 9167 Total Capital(CRAR) 37,065 43,404 42,589 42989 Total Assets 611,518 625,223
Slide 29: Capital Optimization
Capital Optimization Total Advances Credit Risk RWA to Advances 408895 62.10 61.06 62.02 405333 248155 251385 399598 249657 4 Dec-18 Sep-19 Dec-19 Dec-18 Sep-19 Dec-19 25
Slide 30: Branch Network
Branch Network BOI Overse ■Rural as ■Semi-Urban Particulars Dec 18 Mar 19 Sep 19 Dec 19 24 ■Urban Metro Overseas Rural 2011 1832 1831 1831 Metro 993 Rural Semi-urban 1371 1454 1454 1454 1831 Urban 846 812 811 811 Urban 811 Semi Metro 865 994 992 993 Urban Domestic 5093 5092 5088 5089 Branches 1454 O
Slide 31: Delivery Channel
Delivery Channel ,,. BOI Internet Banking Users - Retail Internet Banking Users - Corporate 6371 147880 6142 144476 5640 132679 Q3 FY 19 Q2 FY 20 Q3 FY 20 Q3 FY 19 Q2 FY 20 Q3 FY 20 Mobile banking data ATM Network 22,846,54 18,64,901 6168 893,854 5825 5750 Q3 FY19 Q2 FY20 Q3 FY20 Q3 FY 19 Q2 FY 20 Q
Slide 32: Performance Under Financial Inclusion
Performance Under Financial Inclusion BOI As on 31.12.2018 As on 31.12.2019 Amt. Amt. Particulars No. of Accts No. of Accts (Rs. Cr.) (Rs. Cr.) PMJDY (Lacs) 208.70 5149.75 231.26 6991.60 Zero Balance 36.27 - 33.66 - Accts (Lacs) A4703/ PMSBY (Lacs) 37.72 - 54.68 - • • PMJJBY (Lacs) 14.26 - 20.96 - P
Slide 33: Shareholding Pattern - 31.12.2019
Shareholding Pattern - 31.12.2019 BOI Individuals / Bodies Others BANK OF INDIA - EQUITY As on 31.12.2019 Corporate 4.16 % 0.45 % % to FII & Other Category Shares Capital Foreign Promoter(Government of India) 2919690866 89.10 Holding 0.66% Foreign Financial Institution 21511610 0.66 Insurance Invest
Slide 34: Initiatives
INITIATIVES BOI • Web-based - Retail Online Module: launched to improve productivity and customer service by reducing turnaround time. • Cardless Cash withdrawal using UPI QR (QRCash) has been launched by which our Bank Customers can withdraw cash from ATMs readily without the use of cards. • Mobile
Slide 35: Awards & Recognition
AWARDS & RECOGNITION BOI Bank of India has won the second Most Trusted Brand Award in the Banks category awarded by the Reader’s Digest Trusted Brand, 2019. In the India Banking Summit & Awards 2019, Bank of India ranked as Best Public Sector Bank 2019 by Synnex Group. Best Performing Public Sector
Slide 36: Thank You
Thank YOU…. Thank YOU.... 32 32