Corporate Presentation

March 2020
DISCLAIMER
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,
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2
OVERVIEW
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 (Fiscal 2019)

 Principal banking operational units include: 2nd Most Trusted Brand – Banks Category – Reader’s
 Corporate Banking Digest Trusted Brand 2019

 Retail Banking Best Public Sector Bank – India Banking Summit &
Awards 2019 – Synnex Group
 Agricultural Banking
 MSME Banking Best Performing Public Sector Bank in APY2
 International Banking Formation Day Campaign (Fiscal 2020) – PFRDA3

 Provides services on behalf of the Government like collection of taxes, broker stamp duty
Most Innovative Large Size Bank of the Year – ETBFSI
collection, and pension disbursements Excellence Awards 2019
 Provide bancassurance services for distribution of insurance products, mutual fund
SKOCH Order of Merit AWARD 2019 in GOLD
products, credit and debit cards, portfolio management services, depository participant Category for BOI Mobile
services and merchant banking activities

Bank’s Network Shareholding Pattern

As on Dec 31, 2019 As on Dec 31, 2019
0.44%
0.85%
4.83%

4.78% Government of India

Insurance

Mutual Funds/FI/Banks

5,089 5,750 28 States 94.89 Mn 19 FPIs

Domestic Branches ATMs & 8 UTs Customers Countries Others
89.10%

1] Source: Indian Banks’ Association. Available at http://www.iba.org.in/; 2] Atal Pension Yojana; 3] Pension Fund Regulatory and Development Authority 3
KEY MILESTONES

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 1974 1982 1997 2008 2019

Started Nationalization Introduction of Qualified

managing the of the health code system Institutional
clearing house Bank for evaluating & Placement of
of BSE Limited rating the Bank’s Equity Shares
credit portfolio

4
 9MFY20 HIGHLIGHTS

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 Bn) (Rs. 57.89 Bn) (42.65%) (76.76%)

Yield on Average Net Profit RoAA GNPA

Advances
8.60% Rs. 6.15 Bn 0.13% 16.30%
(8.07%) (Rs. -57.99 Bn) (-1.28%) (16.31%)

Cost of Average CRAR RoAE NNPA

Deposits
4.56% 14.20% 3.12% 5.97%
(4.48%) (12.47%) (-41.51%) (5.87%)

Standalone financials; Figures mentioned in brackets correspond to 9MFY19 5

 FY19 HIGHLIGHTS

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 Bn) (Rs. 71.39 Bn) (41.76%) (65.85%)

Yield on Average Net Profit RoAA GNPA

Advances
8.13% Rs. -55.47 Bn -0.91% 15.84%
(7.12%) (Rs. -60.44 Bn) (-0.98%) (16.58%)

Cost of Average CRAR RoAE NNPA

Deposits
4.46% 14.19% -27.05% 5.61%
(4.56%) (12.94%) (-31.84%) (8.26%)

Standalone Financials; Figures mentioned in brackets correspond to FY18 6

STRENGTHS

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 Infrastructure Position and Stable
for Scalability Capital Base

7
 WIDE DISTRIBUTION NETWORK

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 50
519 2

344 West East

17.88% 24.70% Semi-Urban
2 28.57%
147

4
4 Global Presence
384 As on Dec 31, 2019
439 2

61 13
2
858 254 368
1
66 492 53 4 Global 19 49,015
Branches* Subsidiaries Countries Customers
156
52 136
Legends Cross-Selling Opportunities
>200 Branches 1 Bancassurance services to Insurance Companies and Distribution of Mutual Fund
100-200 Branches Products
1- 100 Branches
216 8
State
UT
General Insurance Health Insurance
103

Life Insurance Mutual Funds

Presence in 28 States and 8 Union Territories
* Including Subsidiaries and Joint Ventures 8
DELIVERY CHANNELS

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) (‘000)

6,519
5,887 2,285
5,773
5,299
4,180
1,290
894

151 187

FY17 FY18 FY19 9MFY19 9MFY20 FY17 FY18 FY19 9MFY19 9MFY20

The Bank has been rationalizing its Branch and ATM Network. The Bank migrated all of its branches to its core banking application
platform in 2008 and expanded its ATM and internet banking networks, and introduced alternate delivery channels
9
 STRONG LIABILITY FRANCHISE

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 94.89
4.56% 4.56%

4.48% 86.57
4.46%

FY17 FY18 FY19 9MFY19 9MFY20 FY17 FY18 FY19 9MFY19 9MFY20

The deposit base largely comprises retail and the lack of bulk deposits provides the Bank with a deposit base with a lower
concentration risk and increases the spread of the liability portfolio
1 Cost of Average Deposits is interest expense on Deposits divided by total quarterly average (Closing) Deposits 10
 BALANCED CREDIT PORTFOLIO

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 3,311.14 3,366.61
FY17 16.45%
51.04% 50.51% 9MFY20 15.49%

17.88%
16.31%

Retail Agri MSME Corporate & Others

FY17 FY18 FY19 9MFY19 9MFY20

Yield on Average Advances1 Retail Advances

INR Bn
Retail Advances Retail Advances as % of Domestic Advances
8.60%
8.13% 8.07%
7.48% 7.12%

564.92 588.48
535.24
478.17
417.93 17.69%
16.29% 17.22% 17.17%
14.63%

FY17 FY18 FY19 9MFY19 9MFY20 FY17 FY18 FY19 9MFY19 9MFY20

The diversified credit portfolio helps in reducing the volatility and potential risks associated with concentrated credit portfolio in
particular segments or sectors
1 Yield on Average Advances is interest income from Advances divided by total quarterly average (Closing) Advances. 11
ASSET QUALITY

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%

FY17 FY18 FY19 9MFY19 9MFY20 FY17 FY18 FY19 9MFY19 9MFY20

GNPA NNPA

Segment-Wise Gross NPA Slippages & Recoveries

% of NPA to Advances % of NPA to Gross NPA INR Bn

255.81
18.72% Retail

195.70
18.09% 17.67%

179.45
3.38%

167.22

163.32
Agri

152.96

148.07
145.56

135.65
124.95
16.70%

As on
Dec 31, 2019
MSME
17.20%
3.04%
FY17 FY18 FY19 9MFY19 9MFY20
Corporate
62.72%
Corporate Agri MSME Retail Reduction Slippages

12
 ASSET QUALITY

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
Textiles 65.80 1.97% Textiles 0.54
Construction 48.83 1.46% Steel 1.08
Mining and quarrying (including coal) 46.95 1.40% Cement 1.92
Chemicals and chemical products 42.48 1.27% Services 1.04
Gems and jewelry 34.17 1.02% Hotels 1.01
Food processing 33.02 0.99% Agriculture 0.88
Vehicles, vehicle parts and transport
18.88 0.56% Others 42.1
equipment
Rubber, plastics and their products 17.16 0.51% Standard Restructured Advances (Domestic) 82.60

Other industries* 133.83 4.00% Standard Restructured Advances (Overseas) 0.33

All industries 1,026.91 30.68% Standard Restructured Advances (Total) 82.93

Infrastructure Gross Fund-Based Loans Break-Up NCLT Accounts

As on Dec 31, 2019 INR Bn
370.9
10.1%
261.9
Power (including electricity)

Telecommunication
23.6%
Roads and ports 63.5
20.8 24.7
66.0%
Other infrastructure
0.3%
NCLT 1 NCLT 2 Accounts filed Accounts filed Total
List List by BoI at NCLT by other banks
at NCLT

* Includes cement and cement products, Petroleum, coal products and nuclear fuels, Paper and paper products, Beverage and tobacco, Wood and wood products, Leather and leather products, Glass and glassware 13
CAPITAL ADEQUACY

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%
9.73% 9.24%
9.10% 8.91%
7.87%
7.17%

FY17 FY18 FY19 9MFY19 9MFY20 FY17 FY18 FY19 9MFY19 9MFY20

Total Capital (Tier I + Tier II) Risk Weighted Assets

INR Bn INR Bn
Total Capital Capital Adequacy (%) RWA RWA to Total Assets
434.04 429.89
420.82
410.97 14.19% 14.20% 55.34% 52.09% 48.94% 48.57% 48.07%
12.14% 12.47% 3,466.11

12.94% 370.65 3,175.46

3,059.53 3,028.49
2,970.23

FY17 FY18 FY19 9MFY19 9MFY20 FY17 FY18 FY19 9MFY19 9MFY20

14
FINANCIALS

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

88.66
80.92
71.39 (15.58)
57.89

(55.47) (57.99)
(60.44)

FY17 FY18 FY19 9MFY19 9MFY20

Figures are on standalone basis and have been rounded off to two decimal points 15
FINANCIALS

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
1Net interest margin is the difference of interest earned and interest expended divided by the
total quarterly average (closing) interest-earning assets.

Return on Average Equity2 Return on Average Assets3

0.13%
3.12%

FY17 FY18 FY19 9MFY19 9MFY20 FY17 FY18 FY19 9MFY19 9MFY20
-7.67% -0.25%

-27.05%
-31.84%
-0.98% -0.91%
-41.51%
-1.28%

2 Return on average equity is the ratio of the net profit after tax to the quarterly average 3 Return on average assets is the ratio of the net profit after tax to the quarterly average
(closing) net worth (capital plus reserves). (closing) assets.

Figures are on standalone basis 16

PROFESSIONAL AND EXPERIENCED BOARD

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 in international banking and finance from the University of Birmingham
Director  In the past he has served as an Executive Director of the Reserve Bank of India

 Designated as Managing Director and CEO of the Bank on January 20, 2020
Mr. Atanu Kumar Das
 Holds a master’s of arts degree in analytical and applied economics from Utkal University
Managing Director & CEO  In the past, he has served as a general manager of Vijaya Bank

 Joined the Bank as a probationary officer in June 1985 and has handled managerial positions in the Bank
Mr. Chaitanya Gayatri Chintapalli across the country
Executive Director  Holds a bachelor’s degree in agriculture from Andhra Pradesh Agricultural University and is a certified
associate of Indian Institute of Banking and Finance

Ms. Dakshita Das  Appointed as a non-executive nominee director of the Bank on July 13, 2018
Non-Executive Nominee Director  Additional secretary in the Department of Financial Services, Ministry of Finance and was the MD & CEO of
(Central Government) National Housing Bank

Mr. Subrata Das  Regional director of the Reserve Bank of India, Hyderabad
 Appointed as a non-executive nominee director of the Bank on August 13, 2019
Non-Executive Nominee Director
 Holds a bachelor’s in arts degree in economics and a master’s in arts degree in analytical and applied
(RBI) economics from Utkal University

 In the past, he has served as the Chairman and Managing Director of Union Bank of India, ex-officio director of
Mr. Debabrata Sarkar
General Insurance Corporation of India
Non-Executive Independent
 Holds a master’s degree in commerce from the University of Calcutta, is a member of the Institute of
Director (Shareholder’s nominee) Chartered Accountants of India and a certified associate of the India Institute of Bankers

 Appointed as an independent director of the Bank on October 25, 2017

Mr. D Harish
 He has been awarded “Most Talented Coaching Leaders (India)” by CHRO Asia in 2017
Non-Executive Independent
 Holds a bachelor’s degree in commerce from the University of Madras and a post graduate diploma in
Director (Shareholder’s nominee) personnel management and industrial relations from the Xavier Labour Relations Institute, Jamshedpur

17
STRATEGIES

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 to increase cross selling opportunities, reduce cost and

enhance customer experience

Improving our risk management systems to ensure long-term sustainability

of our business

18
ANNEXURES

19
 BALANCE SHEET

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 1.62 1.62 1.70

Deposits 5423.52 5229.97 5225.55 5169.04 5241.82

Borrowings 394.91 435.98 442.65 418.29 450.96

Other Liabilities & Provisions 164.72 116.74 162.50 167.10 182.76

Total Liabilities 6320.26 6151.84 6308.84 6170.87 6363.42

ASSETS
Cash & Balances with RBI 275.44 315.75 293.22 258.46 323.89

Balances with Banks and Money at Call & Short Notice 689.20 644.49 655.38 713.12 633.81

Investments 1307.51 1403.21 1509.05 1504.07 1611.21

Advances 3683.29 3432.89 3429.66 3331.12 3385.16

Fixed Assets 85.46 83.50 89.99 83.69 90.30

Other Assets 279.35 272.00 331.53 280.41 319.06

Total Assets 6320.26 6151.84 6308.84 6170.87 6363.42

Consolidated Figures in Rs. Bn. 20

 PROFIT & LOSS STATEMENT

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 276.06 276.79 272.07 204.16 204.34

Operating Expenses 89.75 92.65 108.67 71.33 77.46

Total Expenses 365.81 369.44 380.74 275.49 281.80

Operating Profit 98.24 72.15 81.95 58.60 89.26

Provisions & Contingencies 122.36 158.75 168.53 149.39 80.10

Profit Before Tax -24.12 -86.60 -86.58 -90.79 9.15

Tax Expense -8.18 -25.87 -31.61 -33.17 2.76

Net Profit/ Loss from Ordinary Activities after Tax -15.94 -60.73 -54.97 -57.62 6.40
Share of Earnings in Associates 1.02 0.91 0.71 1.18 -0.90

Minority Interest -0.21 -0.20 0.00 0.00 0.00

Net Profit/ Loss for the Period -14.70 -59.61 -54.27 -56.44 5.50

Consolidated Figures in Rs. Bn. 21

GLOSSARY

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 divided by total quarterly average (Closing) Advances

Cost of Average Deposits Cost of Average Deposits is interest expense on Deposits divided by total quarterly average (Closing) Deposits
Return on Average Equity is the ratio of the net profit after tax to the quarterly (Closing) average net worth (capital plus
RoAE reserves)
RoAA Return on Average Assets is the ratio of the net profit after tax to the quarterly (Closing) average assets

CRAR Capital to Risk (Weighted) Asset Ratio

GNPA Gross Non Performing Assets

NNPA Net Non Performing Assets

PCR Provision Coverage Ratio

CASA Current and Savings Account ratio

CRM Cash Recycler Machine

ATM Automated Teller Machine

NCLT National Company Law Tribunal

RWA Risk Weighted Assets

UPI Unified Payments Interface

RAM Retail, Agri and MSME

22