Bank Of India · NSE:BANKINDIA
Bank Of India — Q3 FY2021-22 Earnings Presentation
39 slides from Bank Of India's earnings presentation, Feb 4, 2022
Slide 1: Exchange cover letter: Investor's Presentation Q3 FY22
Raas dda Pan INVESTOR RELATIONS CELL wert aralear : ; HEAD OFFICE: ER gS di-5,al wate, gdt oe mn BOI A Star House, C-5, “G” . Block, - * 8th Floor (East Wing), at . Bandra- Kurla Complex, WaS-400 051 Bandra (East), gat : {ory S568 4490 Mumbai — 400 051 “he oa os Phone : (022)- 6668 4490 SHH: heaoffi
Slide 2: Performance Analysis Q3 FY2021-22
PERFORMANCE ANALYSI Q3 FY2021-22
Slide 3: Global Business Mix
CT aE a Relationship beyond banking Global Business Mix Gross RAM Advances Advances CASA Net Profit Deposits
Slide 4: Raising of Capital and External Rating
CT aE a Relationship beyond banking Raising of Capital and External Rating I Capital raised by Bank of India I External Rating of Bank of India (since last 12 months) I Domestic Long Term Rating ‘Giatanene))— Segag Sto | I I Rating Agency Infomerics Rating Rating AAA (Stable) ERE smosanat | I I CRIS
Slide 5: Table of contents
CET Ta eee Table of contents Relationship beyond Bonking ()1 Business Performance (5-15) Q2 Financial Performance (16-20) O3 Asset Quality and Capital = (21-31) O4. Digital and New Initiatives (32-38) www.bankofindia.co.in 4
Slide 6: Business Performance
' tl etuallt ED Gzzz» i? Business > —>E a Performance < I lhl io LC Ur i , } | i ART i | www.bankofindia.co.in 5
Slide 7: Global Business Mix
CET Ta eee G lo ba I B us I n ess Relationship beyond banking = = (INR crores) Global Business Mix [_asrv22 | 10,60,519 3 28%\YOY 2.78%|QO0Q 10,26,866 10,31,856 Particulars WS a7 a2 Credit Deposit Ratio (CD Ratio) (Global)} 67.82%) 68.34%) 70.19% Q3FY21 Q2FY22 Q3FY22 Global Deposit 623,120 pn Global
Slide 8: Deposits & Advances: Domestic & Overseas
CET Ta eee Deposits & Advances: Domestic & Overseas Tarte se teak Domestic and Overseas Deposits Domestic and Overseas Advances (INR crores) 1.71%|YOY 3,68,573 3,82,365 | 5 33%/YOY -0.07%|QO0Q 3,63,009 3.74%|QO0Q 2.71 9G,yoy 5.88%/YOY 15.67%|QO0Q 9.36%)QO0Q 7,761 Q3FY21 Q2FY22 Q3FY22 Q3FY21 Q2FY22 Q
Slide 9: Composition of Gross Advances (Domestic)
CT ate is Composition of Gross Advances (Domestic) Relationship beyond banking (INR crores) Particulars Q3FY21 Q2FY22 Q3FY22 (econ18) (@l@le} (e's Agriculture 57,340 61,886 64,439 4.13% 12.38% MSME 61,911 64,984 67,400 3.72% 8.87% Retail 65,143 70,887 75,542 6.57% 15.96% Corporate & Others 1,31,042
Slide 10: Domestic Deposit - CASA
CET Ta eee Domestic Deposit - CASA Relationship beyond banking Q3FY21 Q2FY22 Q3FY 22 37.97% =CA =SA = TD- Bulk Deposits = TD- Others =CA =SA =TD- Bulk Deposits = TD- Others aCA SA sTD-Bulk Deposits m TD- Others eel icelb Lee] ec) ok) 4 eel icelb Lee] ec) Q2FY22 eel icelb Lee] ec) Q3FY22 % TD (Rs < 2
Slide 11: Retail Loans Portfolio
CET Ta eee Retail Loans Portfolio Relationship beyond Banking Composition of Retail Composition of Retail Composition of Retail Advances (%) Q3FY21 Advances (%) Q2FY22 Advances (%) Q3FY22 = Home = Home = Home loans 12.80% loans .Wanele = Vehicle = Vehicle loans loans loans = loans Education = Educat
Slide 12: Priority Sector Advances
CET Ta eee Priority Sector Advances Relationship beyond banking (INR crores) Parameters Mandated n4e) 4 QO0Q Target Growth % Growth % ANBC 3,19,161) 3,46,692| 3,51,076 1 Priority Sector 1,34,416) 1,42,146) 1,48,683) 10.61% 4.60% * |% To ANBC 40% 42.12% 41.00%) 42.35% 3 Agricuture 57,340 61,886 64,43
Slide 13: Domestic Credit — Industry Wise
CET Ta eee Domestic Credit — Industry Wise Relationship beyond banking (INR crores) Particulars Y-O-Y % to Growth % Domestic Advances Infrastructure 57,899 63,230 64,206 10.89 1.54 Basic Metal & Metal products 13,539 13,880 13,158 -2.81 -5.20 Textiles 8,052 7,274 7,349 -8.73 1.03 Gems & Jewellery 4,
Slide 14: Domestic Advances — Infrastructure Sectors
CET Ta eee Domestic Advances — Infrastructure Sectors Relationship beyond banking (INR crores) Particulars Dec-20 Sep-21 Dec-21 Power 37,210 42,782 43,405 a) SEBs 18,691 20,352 17,681 - Generation 9,834 9,288 9.513 - Transmission 1,036 1,588 1,937 - Distribution 7,821 9 506 6,231 b) Others 18,519 22
Slide 15: Corporate Rating
CET Ta eee Corporate Rating Sara eat 53% 30% 32% 3% ay % A% 59%% 5% — a a me a As on 31.12.2020 As on 31.12.2021 mGovt. Exposure mUnrated BB &Below sBBB &A &above BUSINESS PERFORMANCE www. bankofindia.co.in 14
Slide 16: Domestic Investments
CET Ta eee Domestic Investments Relationship beyond banking (INR crores) Particulars HFT SLR Investments 40,718 90,123 55 24,982 99,537 (10) Of Which: Government Securities 40,718 90,123 55 24,982 99 537 (10) Other Approved ; ; ; ; ; ; Securities M Duration 1.24 -- 9.05 0.75 6.90 Non SLR Investments
Slide 17: Financial Performance
Financial Performance www.bankofindia.co.in 16
Slide 18: Net Interest Income
CET Ta eee Net Interest Income Relationship beyond banking Particulars Quarter ended Q3FY21 Q2FY22 Q3FY22 Interest Income 10,243 9,522 9,376 a. From Advances 6,941 6,510 6,432 b. From Investments 2,926 2,795 2,/38 c. From Money Market Operations & 375 218 206 Others Interest Expended 6,504 5,999 5,9
Slide 19: Non-Interest Income
Non-Interest Income (INR crores) Particulars Quarter ended Q3FY21 Q2FY22 Q3FY22 Commission, Exchange & Brokerage 291 340 325 Profit from Sale and Revaluation of 649 429 210 Investments Profit from Exchange Transactions 425 968 of/ Recovery In W/o accounts 132 231 338 Other Non Interest Income 400 56
Slide 20: Provisions
CET Ta eee Provisions his ne Seg ——_—=—_—_—_—_—=—_—_—~—=_—_—_—_—_—_—~=_—_—_—_—_—_—_ TTT TT TT TT TTINR crores) Particulars Q3FY21. Q2FY22 Q3FY22 Operating Profit 2,665 2,678 2,096 Provisions for - Bad & Doubtful 623 241 693 - Standard Assets and others 1,142 631 -531 - Depreciation on Non-Performing
Slide 21: Key Financial Ratios (Global Business)
CET Ta eee Key Financial Ratios (Global Business) Relationship beyond banking Particulars Q3FY21 Q2FY22 Q3FY22 Cost of Deposits (%) 4.03 3.75 3.75 Yield on Advances (%) 7.67 7.01 7.02 Cost of Funds (%) 3.72 3.36 3.34 Yield on Funds (%) 5.85 5.34 5.24 Net Interest Margin (NIM) (%) 2.58 2.42 2.27 Cost
Slide 22: Asset Quality & Capital
APPROVED: Asset Quality & Capital
Slide 23: Asset Quality Ratio
CET Ta eee Asset Quality Ratio Relationship beyond banking ieetaa) Dec-20 Sep-21 DTetonya Gross NPA (INR crores) 54,997 50,270 45 760 Net NPA (INR crores) 9,077 10,576 10,708 Gross NPA (%) 13.25% 12.00% 10.46% Net NPA (%) 2.46% 2.19% 2.66% Provision Coverage Ratio (%) 89.32% 87.81% 86.86% Slippage R
Slide 24: Slippages by Segment
CET Ta eee Slippages Senay mentee I IIE II III IIE IEEE IIE IE IEEE EEE IEEE IES ISS SNR roves) | Segment eh 72 ey O72 ek O72 - Retail 642 145 -356 - Agriculture 991 344 657 - MSME 1,615 342 -376 - Corporate & Others 409 476 1,975 Domestic (Total) 3,657 1,307 1,900 Overseas (Total) 196 - -55 Grand T
Slide 25: Special Mention Accounts (SMA)
Cen rd te ie _Special Mention Accounts (SMA) Erte ey % of SMA (Rs. 5 cr & above) to Gross Advances mQ1FY 22 mQ2FY22 mQ3 FY 22 2709 2090 2509 0.80% 1.27% 2.16% 0.65% 0.50% 0.57% 1.18% 0.99% 0.54% SMA O SMA 1 SMA 2 % of Overall SMA to Gross Advances 23632 mQ1FY22 mQ2FY 22 BQ3FY 22 8447 8132 9412 1.97%
Slide 26: Resolution Framework (Standard Restructuring)
CT ate is Resolution Framework (Standard Restructuring) Relationship beyond banking (INR crores) Outstanding as on 31.12.2021 Provision Made % onGross RRO Colt Resolution Oats Advances Framework 1.0 Framework2.0 Restructuring Retail 493 9,228 - 573 MSME 1,413 3,301 2,041 404 4 05% Corporate & Others
Slide 27: Movement of Gross NPA / Net NPA
Movement of Gross NPA / Net NPA Relationship beyond banking (INR crores) Segment Q3FY21 Q2FY22 Q3FY22 Opening Balance 56,232 56,042 50,270 Add: - Fresh Slippage 35 1,328 1,760 - Debits in existing NPA accounts 461 -21 85 Less: - Recovery 1,495 3,218 1,309 - Upgradation 166 278 146 - Written Off 70 3
Slide 28: Sector-wise NPA Classification
CET Ta eee Sector-wise NPA Classification (%) Reltonstip Bye ann Q3FY21 Q2FY22 Q3FY22 = Retail Loans = Agriculture (PS + NPS) = MSME = Corporate & Others = Overseas NPA ASSET QUALITY & CAPITAL www. bankofindia.co.in 27
Slide 29: Asset Classification: Global Advances
CET Ta eee Asset Classification : Global Advances Relationship beyond banking (INR crores) Sectoral Oi 4 Oa PL Q3FY22 SS) 13 0) ©) 1) SC Standard Advances 309,990; 86.75%) = .3.68,.625) = 88.00%) = 3.91639) = 89.54% Gross NPA 94,997) 13.25% 90,270} = 12.00% 45,760; 10.46% - Sub-Standard 1,086 0.26%
Slide 30: Summary of NCLT Cases
CET Ta eee Summary of NCLT Cases (As on 31.12.2021) Rainti Seond Banking TO (INR crores) _ No of Particulars Total book Provision %-Provision accounts o/s held 3 RBI List -1 1,601.95 1,601.95 100% 10 RBI List -2 2,086.13} 2,086.13) 100% 68 Cases filed and admitted in NCLT by our Bank 3,601.27 3,226.
Slide 31: Capital Adequacy
Capital Adequacy CET Ta eee Relationship beyond banking (INR crores) Particulars 31.12.2020 30.09.2021 31.12.2021 Capital Adequacy - Basel Ill CET1 Capital 28,459 39,758 40,649 Tier| Capital 28,459 41,110 42,001 Tier Il Capital 9,245 9,375 9,433 Total Capital(CRAR) 37,704 50,485 51,433 Risk Weighted
Slide 32: Shareholding Pattern as on 31.12.2021
CET Ta eee Shareholding Pattern as on 31.12.2021 Sara eat Particulars Shareholding Pattern As on 31.12.2021 Government of India 81.41% Life Insurance Corporation 7.05% = Promoter _ |Indian Public 5.87% (Government of India) : = Life Insurance Others 5.67%0 Corporation # Indian public Total 400.00% g
Slide 33: Digital Banking, Financial Inclusion, COVID Credit Support & New Initiatives
CT ate is Relationship beyond banking Digital Banking, Financial Inclusion COVID Credit Support & New Initiatives www.bankofindia.co.in 32
Slide 34: Alternate Delivery Channel
CET Ta eee Alternate Delivery Channel Reaionship Beyond banking Internet Banking Users (in Thousand) Mobile Banking Users (in Thousand) 5612 8180 5109 Q3FY21 Q2FY22 Q3FY22 Q3FY21 Q2FY22 Q3FY22 UPI Users (in Thousand) 11431 12306 9012 Q3FY21 Q2FY22 Q3FY22 DIGITAL BAN KING www.bankofindia.co.in 33
Slide 35: Financial Inclusion — Products
Financial Inclusion — Products et aye Ot Le is Relationship beyond banking PMJDY PMJJBY 10169 15.00 15.00 15.70 9822 10.00 s eft i 9511 Q1FY22 Q2FY22 Q3FY22 Q3FY21 Q1FY22 Q2FY22 Q3FY22 m= Mandate (% of eligible PMJDY A/cs) = Deposit in PMJDY in Cr m Achievement against mandate PMSBY APY 34.11 30.0 3
Slide 36: COVID Credit Support
COVID Credit Support RAABIE Rae Seg (INR crores) ECLGS (1.0, 2.0, 3.0 & 4.0) PM SVANidhi 96.17% of application are sanctioned & 97.06% of sanctions are disbursed Health Care Units under MSME segment (Star Arogyam & Star Sanjeevani)
Slide 37: Awards & Recognition
Awards & Recognition Relationship beyond banking QO Bank has won “Best MSME Bank-Runner Up”, “Best Branding-Winner” and “Best Bank for promoting Social Schemes — Winner” in “MSME Banking Excellence Awards 2021” conducted by Chamber of Indian MSME. OQ Bank was awarded with “Runners-Up Award” in Finac
Slide 38: Disclaimer
Disclaimer 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 historical information c
Slide 39: Thank You!
Cen ae es Relationship beyond banking THANK YOU! www.bankofindia.co.in 38