boi analystpresentationjune11

8/6/2019 BOI AnalystPresentationJune11

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Relationship beyond banking 1


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Relationship beyond banking


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Relationship beyond banking 3


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Awards & Accolades

4


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Awards & Accolades

5


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New Intiatives

6


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Promoter(GOI),

65.86%FIs/Banks, 0.26%

Insurance Cos,

11.07%

Mutual Funds,1.02%

Corporate

Bodies, 0.70%

NRIs/FII, 15.49%Indian Public,

5.60%Jun-11

Promoter(GOI)

FIs/Banks

Insurance Cos

Mutual Funds

Corporate Bodies

NRIs/FII

Investor Profile- Shareholding Pattern (%)

7


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Global Footprints Foreign Branches of the Bank

Japan (Tokyo & Osaka)Phnom Penh

SingaporeJakartaHo Chi Minh

Hong KongKowloon

Shenzen

Joburgh (SA)

Kenya (Nairobi, Mombasa,Ind Area & Westlands)

Europe-France (Paris)

-Belgium (Antwerp)

UK (London + 7branches)

Channel Islands

USA (New York & SFO)

West Indies- Cayman Islands

Tanzania(Subsidiary),

Dubai

8

New Zealand


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Credit Rating - International & Domestic


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Major Business Parameters

10

Quarter ended

Jun-10 Sep-10 Dec-10 Mar -11 Jun -11

Business Mix 4,104,927 4,254,479 4,452,795 5,150,401 5,080,339

Deposits 2,336,678 2,410,711 2,525,257 2,988,858 2,930,984

Advances 1,768,249 1,843,768 1,927,538 2,161,543 2,149,355

Operating Profit 14,106 13,796 13,888 12,053 13,959

Net Profit 7,251 6,168 6,532 4,936 5,175

NIM (%) 2.89 2.81 3.09 2.94 2.19

Gross NPA (%) 2.71 2.64 2.36 2.23 2.69

Net NPA (%) 1.18 1.14 0.88 0.91 1.27

Return on Assets(%) 1.05 0.87 0.89 0.61 0.59

Rtn. on Equity (%) 22.63 18.29 18.50 13.19 13.13

Book Value (INR) 250.63 262.36 274.78 283.24 292.90


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330.00 459.23 475.11

2006.68 2529.63 2455.872336.68

2988.86 2930.98

June 10 March 11 June 11

Deposits

Foreign Indian Global

Deposits

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Domestic Deposits (CASA)

527,663567,141

618,430648,993

680,678 692,872731,385 741,675

418,180441,295

477,680506,541

541,532 556,665587,218 588,384

109,483 125,846140,750 142,451 139,146 136,207 144,167 153,291

0

100,000

200,000

300,000

400,000

500,000

600,000

700,000

800,000

Sep-09 Dec- 09 Mar-10 Jun-10 Sep-10 Dec-10 Mar- 11 Jun-11

CASA

SB

CD

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METRO

1475.57

60%

URBAN269.56

11%

SEMIURBAN

280.94

11%

RURAL

429.80

18%

Jun'11

Domestic Deposits Category-wise

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374.66 510.07 538.11

1,393.591,651.47

1,611.231768.25

2161.542149.35

01000

2000

3000

June'10 March'11 June'11

FOREIGN INDIAN GLOBAL

Gross Advances

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METRO

1111.2669%

URBAN

132.53

8%

SEMIURBAN

114.86

7%

RURAL

252.58

16%

Jun 11

Domestic AdvancesCategory Wise as on 30.06.2011

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Key Sectors(Domestic Credits)

June-10 June-11 % Y-o-Y

Growth

Agriculture 177,820 221,910 24.79

SME (Priority &

Non Priority)

311,000 339,390 9.13

Retail Credit 154,530 163,160 5.58

Corporate 750,240 886,780 18.20

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Advances to Sensitive Sectors - Domestic

17

SECTOR JUN-10 SEP-10 DEC-10 MAR-11 JUN-11 % of TotalAdvances

Total Advances 1,393,591 1,446,963 1,509,030 1,651,472 1,611,230 100.00

REAL ESTATE 194,960 177,350 194,974 203,623 203,490 12.63

Out of which

HOUSING

LOAN84,500 74,490 75,610 74,783 78,401 4.87

MORTGAGE

LOAN16,590 15,770 15,190 14,950 19,843 1.23

COMML.

REAL ESTATE52,790 47,010 47,013 40,546 38,170 2.37

Others(Invest

& Indirect)41,080 40,800 58,540 73,344 67,076 4.16

CAPITAL

MARKET33,015 30,600 33,044 32,451 34,920 2.17


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Domestic Foreign Global

> 10 Mn < 10 Mn Total Amount Amount Amount

As on 31.03.2011 78,673 15,451 94,124 12,322 106,446

Additions during Q1 9,000 159 9,159 168 9,327

Less Repayment in

Restructured a/c s / Exchange

fluctuation

-3879 -800 -4679 -79 -4758

As on 30.06.2011 83,794 14,810 98,604 12,411 111,015

RESTRUCTURED ACCOUNTSIncludes all facilities of the borrowers

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MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS

19

Domestic Foreign Global % of TotalRestructured

A/cs

> 10 Mn < 10Mn Total

Amount

Amount Amount

As on 31.03.2011 16,885 1,253 18,138 - 18,138 17.04

Additions during Q1 3,591 750 4,341 - 4,341

Less Repayment in

Restructured a/c s /

Exchange fluctuation

-954 -62 -1,016 - -1,016

As on 30.06.2011 21,430 1,941 23,371 - 23,371 21.05


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Sector-wise breakup of restructured accounts (>10 Mn)(Domestic) in Q1

20

SECTOR AMOUNT

CONSTRUCTION 519.46

INFRASTRUCTURE 6,420.06

SERVICE 1,208.50

STEEL 635.56

MISC 216.67

AGGREGATE 9,000.25


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Restructured A/Cs Slipped (>Rs.10 Mn)(Domestic)

21

Sep 09 Dec 09 Mar 10 June 10 Sep 10 Dec 10 Mar 11 Jun 11

Number of

Accounts

slipped duringQuarter

34 24 34 6 19 6 13 12

Amount in

INR/Mn

8,390 3,600 3,430 718 2,430 252 972 3,591


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Sector-wise breakup of restructured accounts Slipped toNPA (>10 Mn) (Domestic)

22

S.No Sector Qtr

Sep10

Qtr

Dec10

Qtr

Mar11

Qtr

Jun11

1 AGRICULTURE 0 18 15 417

2 CHEMICALS 416 0 14 0

3CRE 33 0 0 0

4 ENGINEERING 18 17 103 723

5 INFRASTRUCTURE 51 0 281 1,869

6 MISC 754 59 58 409

7 PAPER & PAPER PRODUCTS 17 0 0 0

8 SERVICES 211 0 354 0

9 STEEL 0 0 88 9610 TEXTILES 910 0 12 0

11 TRADING 20 158 47 77

AGGREGATE 2,430 252 972 3,591


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NPA Movement

Jun-10 Jun-11Indian Foreign Global Indian Foreign Global

Opening Gross NPA 44,812 4,014 48,826 43,566 4,550 48,116

Total Reduction 6,631 276 6,907 5,035 37 5,072

Recovery 2,296 119 2,415 2,295 10 2,305

Upgradation 2,090 0 2,090 1,268 0 1,268

Write-off 2,245 157 2,402 1,472 27 1,499

Slippages 5,841 339 6,180 16,020 817 16,837

Net

Addition/Reduction790 63 727 10,985 780 11,765

Gross NPA 44,022 4,077 48,099 54,551 5,330 59,881

Less Unrealised

Interest on NPA153 - 153 1,970 0 1,970

Closing Gross NPA 43,869 4,077 47,947 52,581 5,330 57911

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June-10 June-11Indian Foreign Global Indian Foreign Global

Closing Gross NPA 43,869 4,077 47,947 52,581 5,330 57,911

Total Nettable Credits 25,882 2,817 28,699 27,559 3,455 31,014

NPA Provision 19,838 2,817 22,655 21,167 3,455 24,622

Other credits 6,044 - 6,044 6,392 0 6,392

Net NPA 19,360 1,260 20,620 25,022 1,875 26,897

Gross NPA Ratio (%) 3.15 1.09 2.71 3.26 0.99 2.69

Net NPA Ratio (%) 1.42 0.34 1.18 1.58 0.35 1.27

Provision Coverage Ratio(%) 68.27 69.13 68.32 66.89 64.82 66.76

24

NPA Sequential Ratios


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Sector wise Breakup of NPA - Domestic

Jun- 11 % of Total NPA

% of Total

Sectoral

Advances

Agriculture9,900 17.08 4.53

Industry18,654 32.19 2.88

Services16,415 28.33 2.87

Personal Loans7,612 13.14 4.67

DOMESTIC ( TOTAL) 52,581 91.74

FOREIGN5,357 9.26

GLOBAL (TOTAL) 57,938 100.00

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Overseas NPAs

Jun -10 Jun- 11

TRADE 2,024 2,640

MANUFACTURING 158 432

REAL ESTATE 1,145 1,231

OTHERS 758 1,054

TOTAL 4,115 5,357

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Profit Summary

27

Qtr

Jun 2010

Qtr

Sep 2010

Qtr

Dec2010

Qtr

Mar 2011

Qtr

Jun 2011

Variation

Y-o-Y (%)

1 Interest Earned 48,217 51,556 54,675 63,069 66,335 37.58%

2 Interest Expended 30,812 33,795 34,806 39,996 47,926 55.54%

3

Net Interest Income

(1 - 2) 17,405 17,761 19,869 23,073 18,409 5.77%

4 Non-Interest Income 5,859 5,845 6,482 8,231 6,601 12.66%

5

Total Operating Income

(3+4) 23,264 23,606 26,351 31,304 25,010 7.51%

6 Operating Expenses 9,158 9,810 12,463 19,251 11,051 20.67%

7 Operating Profit (5 - 6) 14,106 13,796 13,888 12,053 13,959 -1.04%

8 Total Provision 6,854 7,628 7,356 7,117 8,784 28.16%

9 Net Profit 7,251 6,168 6,532 4,936 5,175 -28.63%


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Net Interest Income

28

Qtr

June-10

Qtr

Sep-10

Qtr

Dec-10

Qtr

Mar-11

Qtr

Jun-11

Variation

Y-o-Y

(%)

TOTAL INTEREST INCOME 48,217 51,555 54,675 63,069 66,335 37.58%

INT. INCOME FROM

ADVANCES 34,919 36,598 40,234 43,252 45,959 31.62%

INT. INCOME FROM

INVESTMENTS 11,776 13,071 12,750 14,119 16,40639.32%

OTHER INTEREST INCOME 1,522 1,886 1,691 5,698 3,970 160.84%

TOTAL INTEREST EXPENDED 30,813 33,795 34,806 39,996 47,926 55.54%

INT. EXPENDED ON DEPOSITS 27,498 29,160 29,879 35,249 43,837 59.42%

INT. EXPENDED ONBORRROWINGS 1,251 2,065 2,473 2,340 1,517 21.26%

INTEREST EXPENSES ON

SUBORDINATED DEBT etc. 2,063 2,570 2,454 2,408 2,470 19.73%

NET INTEREST INCOME 17,405 17,760 19,869 23,073 18,409 5.77%


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Non-interest Income

29

Qtr

June-10

Qtr

Sep-10

Qtr

Dec-10

Qtr

Mar- 11

Qtr

Jun- 11

Variation

Y-o-Y(%)

Treasury:

PROFIT FROM SALE OF SECURITIES 999 360 592 1,266 1,097 9.81%

PROFIT FROM EXCHANGE TRANSACTIONS 1,309 1,111 1,271 1,334 1,471 12.38%

Sub Total (A) 2,308 1,471 1,863 2,600 2,568 11.27%

Core-banking Operations:

COMMISSION / EXCHANGE / BROKERAGE 2,498 3,007 2,838 3,468 2,737 9.57%

OTHER NON-INTEREST INCOME 684 1,065 1,124 1,244 984 43.86%

Sub Total (B) 3,182 4,072 3,962 4,712 3,721 16.94%

RECOVERY IN WRITTEN OFF ACCOUNTS (C) 369 301 658 919 312 -15.45%

TOTAL NON-INTEREST INCOME (A+B+C) 5,859 5,845 6,483 8,231 6,601 12.66%


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Cost & Yield RatiosQuarterly Comparison

30

Qtr Jun-10 Qtr Sep-10 Qtr Dec 10 Qtr Mar 11 Qtr Jun 11

INDIAN FOREIGN GLOBAL INDIAN FOREIGN GLOBAL INDIANFOREIG

NGLOBAL INDIAN FOREIGN GLOBAL INDIAN FOREIGN GLOBAL

Cost of

Deposits5.37 1.28 4.79 5.65 1.30 4.99 5.61 1.28 4.97 6.08 1.15 5.32 6.87 1.17 6.01

Yield on

Advances9.89 2.89 8.38 10.04 3.09 8.47 10.35 3.05 8.78 10.67 2.82 8.81 10.84 2.80 8.89

Yield on

Investments7.14 4.04 6.90 7.48 4.22 7.26 7.93 4.67 7.71 8.27 4.68 8.04 7.50 4.67 7.37

Yield on

Funds7.74 3.19 6.96 8.05 3.42 7.25 8.29 3.30 7.43 8.71 3.21 7.76 8.58 3.16 7.61

Cost ofFunds

4.95 2.02 4.45 5.32 2.04 4.75 5.32 1.89 4.73 5.54 1.95 4.92 6.26 1.97 5.50

N.I.M. 3.29 1.20 2.89 3.17 1.37 2.81 3.49 1.45 3.09 3.38 1.24 2.94 2.43 1.22 2.19


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Ratios Quarterly Comparison

June 10 Sep-10 Dec-10 Mar-11 Jun-11

Cost to Income Ratio 39.37 41.56 47.30 61.50 44.19

Non Interest income to

Operating Expenses 63.98 59.58 52.01 42.76 59.73

Asset Utilization Ratio 2.04 1.94 1.89 1.48 1.60

Return on Assets 1.05 0.87 0.89 0.61 0.59

Return on Equity 22.63 18.29 18.50 13.19 13.13

Earnings Per Share

(Basic & Diluted) 13.81 11.74 12.44 9.37 9.47

Book value per share 250.63 262.36 274.78 283.24 292.90

Net worth (Rs. in Mn) 131,811 137,979 144,511 154,995 160,279

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Investments - Domestic

32

Jun-10 Jun-11

AFS HTM HFT TOTAL AFS HTM HFT TOTAL

1 SLRINVESTMENTS 95,930 480,940 1,820 578,690 137,906 519,641 - 657,547

OF WHICH:

GOVERNMENTSECURITIES 94,300 477,920 1,820 574,040 135,948 518,347 - 654,295

OTHERAPPROVEDSECURITIES 1,630

3,020 0 4,650 1,958 1,294 - 3,252

M Duration - AFS 1.78 1.22

2 NON SLRINVESTMENTS 43,590 8,590 30 52,210 177,391 10,462 170 188,023

M Duration 2.65 0.62

TOTAL 139,520 489,530 1,850 630,900 315,297 530,103 170 845,570


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Capital Adequacy Basel II

33

30.06.2010 30.09.2010 31.12.2010 31.03.2011 30.06.2011

Tier I Capital 138,540 142,090 140,700 170,470 170,550

Tier II Capital 78,890 79,060 78,360 78,670 75,630

Total Capital 217,430 221,150 219,060 249,140 246,180

Total Assets 2,792,052 2,896,250 2,991,853 3,511,725 3,459,576

Risk Weighted

Assets 1,636,480 1,695,310 1,764,450 2,047,620 2,126,990

CRAR - Tier I (%)

8.47 8.38 7.97 8.33 8.02

CRAR - Tier II

(%) 4.82 4.66 4.44 3.84 3.55

CRAR (%) 13.29 13.04 12.41 12.17 11.57


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1,1171,156

1,2391,265 1,258

1,310

1,4641,423

1000

1100

1200

1300

1400

1500

Sep-09 Dec-09 Mar-10 Jun-10 Sep-10 Dec-10 Mar-11 Jun-11

Productivity

87 91 101 101103 108

128 125

0

100

Sep-09 Dec-09 Mar-10 Jun-10 Sep-10 Dec-10 Mar-11 Jun-11

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Way Ahead

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boi analystpresentationjune11

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