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Corporate PresentationMarch 2020
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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,suitability, financial situations and needs of any particular person and does not constitute any recommendation or form part of any offer or invitation, directly or indirectly, in any manner, or inducement to sell or issue, or anysolicitation of any offer to purchase or subscribe for, any securities of the Bank in any jurisdiction, nor shall it or any part of it or the fact of its distribution form the basis of, or be relied on in connection with, any contract orcommitment therefor. This presentation does not solicit any action based on the material contained herein. Nothing in this presentation is intended by the Group to be construed as legal, accounting or tax advice.
This presentation has not been approved and will not or may not be reviewed or approved by any statutory or regulatory authority in India or by any Stock Exchange in India.
This presentation contains certain forward-looking statements relating to the business, financial performance, strategy and results of the Group and/ or the industry in which it operates. Forward-looking statements arestatements concerning future circumstances and results, and any other statements that are not historical facts, sometimes identified by the words including, without limitation “believes”, “expects”, “predicts”, “intends”,“projects”, “plans”, “estimates”, “aims”, “foresees”, “anticipates”, “targets”, and similar expressions. The forward-looking statements, including those cited from third party sources, contained in this presentation are based onnumerous assumptions and are uncertain and subject to risks. A multitude of factors including, but not limited to, changes in demand, competition and technology, can cause actual events, performance or results to differsignificantly from any anticipated development. Neither the Group nor its affiliates or advisors or representatives nor any of its or their parent or subsidiary undertakings or any such person's officers or employees guaranteesthat the assumptions underlying such forward-looking statements are free from errors nor does either accept any responsibility for the future accuracy of the forward-looking statements contained in this presentation or theactual occurrence of the forecasted developments. Forward-looking statements speak only as of the date of this presentation and are not guarantees of future performance. As a result, the Group expressly disclaims anyobligation or undertaking to release any update or revisions to any forward-looking statements in this presentation as a result of any change in expectations or any change in events, conditions, assumptions or circumstanceson which these forward looking statements are based. Given these uncertainties and other factors, viewers of this presentation are cautioned not to place undue reliance on these forward-looking statements. Certain numbersin these presentations and materials have been subject to routine rounding off and accordingly figures shown as total in tables and diagrams may not be an arithmetic aggregation of the figures that precede them.
The information contained in these presentations and materials are only current as of the dates specified herein and have not been independently verified. None of the Group, its directors, promoter or affiliates, nor any of itsor their respective employees, advisers or representatives or any other person accepts any responsibility or liability whatsoever, whether arising in tort, contract or otherwise, for any errors, omissions or inaccuracies in suchinformation or opinions or for any loss, cost or damage suffered or incurred howsoever arising, directly or indirectly, from any use of this presentation or its contents or otherwise in connection with this presentation, andmakes no representation or warranty, express or implied, for the contents of this presentation including its accuracy, fairness, completeness or verification or for any other statement made or purported to be made by any ofthem, or on behalf of them, and nothing in this presentation or at this presentation shall be relied upon as a promise or representation in this respect, whether as to the past or the future. Past performance is not a guide forfuture performance. The information contained in this presentation is current, and if not stated otherwise, made as of the date of this presentation. The Group undertakes no obligation to update or revise any information inthis presentation as a result of new information, future events or otherwise. Any person/ party intending to provide finance/ invest in the shares/ businesses of the Group shall do so after seeking their own professional adviceand after carrying out their own due diligence procedure to ensure that they are making an informed decision.
This presentation is not a prospectus, a statement in lieu of a prospectus, an offering circular, an advertisement or an offer document under the Companies Act, 2013, as amended, the Securities and Exchange Board of India(Issue of Capital and Disclosure Requirements) Regulations, 2018, as amended, or any other applicable law in India.
This presentation is strictly confidential and may not be copied or disseminated, reproduced, re-circulated, re-distributed, published or advertised in any media, website or otherwise, in whole or in part, and in any manner orfor any purpose. Any unauthorized use, disclosure or public dissemination of information contained herein is prohibited. No person is authorized to give any information or to make any representation not contained in orinconsistent with this presentation and if given or made, such information or representation must not be relied upon as having been authorized by any person. Failure to comply with this restriction may constitute a violationof the applicable securities laws. Neither this document nor any part or copy of it may be distributed, directly or indirectly, in the United States. The distribution of this document in certain jurisdictions may be restricted by lawand persons in to whose possession this presentation comes should inform themselves about and observe any such restrictions. Accordingly, any persons in possession of the aforesaid should inform themselves about andobserve any such restrictions. By reviewing this presentation, you agree to be bound by the foregoing limitations. You further represent and agree that you are located outside the United States and you are permitted underthe laws of your jurisdiction to receive this presentation. You may not repackage or sell the presentation. Information contained in a presentation hosted or promoted by the Group is provided “as is” without warranty of anykind, either expressed or implied, including any warranty of fitness for a particular purpose.
This presentation is not an offer to sell or a solicitation of any offer to buy the securities of the Bank in the United States or in any other jurisdiction where such offer or sale would be unlawful. Securities may not be offered,sold, resold, pledged, delivered, distributed or transferred, directly or indirectly, in to or within the United States absent registration under the United States Securities Act of 1933, as amended (the “Securities Act”), exceptpursuant to an exemption from, or in a transaction not subject to, the registration requirements of the Securities Act and in compliance with any applicable securities laws of any state or other jurisdiction of the United States.The Bank’s securities have not been and will not be registered under the Securities Act.
By accessing this presentation, you accept this disclaimer and any claims arising out of or in connection with this presentation shall be governed by the laws of India and only the courts in Mumbai, India, and no other courtsshall have jurisdiction over the same.
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89.10%
4.78%
0.85%
0.44%
4.83%
Government of India
Insurance
Mutual Funds/FI/Banks
FPIs
Others
OVERVIEW
Incorporated in 1906 and operated as a private bank until nationalization in 1969
One of the top five public sector banks in terms of assets and deposits1
Principal banking operational units include:
Corporate Banking
Retail Banking
Agricultural Banking
MSME Banking
International Banking
Provides services on behalf of the Government like collection of taxes, broker stamp duty
collection, and pension disbursements
Provide bancassurance services for distribution of insurance products, mutual fund
products, credit and debit cards, portfolio management services, depository participant
services and merchant banking activities
Best Performing Public Sector Bank in APY2
Formation Day Campaign (Fiscal 2020) – PFRDA3
Best Public Sector Bank – India Banking Summit &Awards 2019 – Synnex Group
Most Innovative Large Size Bank of the Year – ETBFSIExcellence Awards 2019
5,089Domestic Branches
5,750ATMs
28 States
& 8 UTs
94.89 MnCustomers
Overview Awards & Accolades
Bank’s Network Shareholding Pattern
2nd Most Trusted Brand – Banks Category – Reader’sDigest Trusted Brand 2019
SKOCH Order of Merit AWARD 2019 in GOLDCategory for BOI Mobile
As on Dec 31, 2019 As on Dec 31, 2019
2nd Most Trusted Brand in Public Sector – BankingCategory – ‘ET Now’ Survey (Fiscal 2019)
1] Source: Indian Banks’ Association. Available at http://www.iba.org.in/; 2] Atal Pension Yojana; 3] Pension Fund Regulatory and Development Authority
19Countries
4
KEY MILESTONES
1921 1969 1982 199719461906 1974 2008
Incorporated as ‘The Bank
of India Limited’ in Mumbai
Set up of branch office
in London
Started managing the clearing house of BSE Limited
Nationalization of the Bank
Initial Pubic Offering -
Equity shares listed on NSE
and BSE
Set up of branch office
in Paris, Europe
Qualified Institutional Placement of Equity Shares
Introduction of health code system
for evaluating & rating the Bank’s credit portfolio
2019
ESPS –94.70%
Employee Participation
5
9MFY20 HIGHLIGHTS
Standalone financials; Figures mentioned in brackets correspond to 9MFY19
Total Deposits
Rs. 5,221.38 Bn(Rs. 5,151.28 Bn)
Net Interest Income
Rs. 114.64 Bn(Rs. 96.13 Bn)
NIM
2.83%(2.41%)
Cost-Income Ratio
46.23%(55.95%)
Total Net Advances
Rs. 3,366.61 Bn(Rs. 3,311.14 Bn)
Operating Profit
Rs. 88.66 Bn(Rs. 57.89 Bn)
CASA
42.69%(42.65%)
PCR
77.15%(76.76%)
Yield on Average Advances
8.60%(8.07%)
Net Profit
Rs. 6.15 Bn(Rs. -57.99 Bn)
RoAA
0.13%(-1.28%)
GNPA
16.30%(16.31%)
Cost of Average Deposits
4.56%(4.48%)
CRAR
14.20%(12.47%)
RoAE
3.12%(-41.51%)
NNPA
5.97%(5.87%)
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FY19 HIGHLIGHTS
Total Deposits
Rs. 5,208.62 Bn(Rs. 5,208.54 Bn)
Net Interest Income
Rs. 136.58 Bn(Rs. 105.06 Bn)
NIM
2.55%(1.89%)
Cost-Income Ratio
56.93%(56.04%)
Total Net Advances
Rs. 3,410.06 Bn(Rs. 3,413.80 Bn)
Operating Profit
Rs. 80.92 Bn(Rs. 71.39 Bn)
CASA
43.36%(41.76%)
PCR
76.95%(65.85%)
Yield on Average Advances
8.13%(7.12%)
Net Profit
Rs. -55.47 Bn(Rs. -60.44 Bn)
RoAA
-0.91%(-0.98%)
GNPA
15.84%(16.58%)
Cost of Average Deposits
4.46%(4.56%)
CRAR
14.19%(12.94%)
RoAE
-27.05%(-31.84%)
NNPA
5.61%(8.26%)
Standalone Financials; Figures mentioned in brackets correspond to FY18
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STRENGTHS
Professional and Experienced Board and
Senior Management Team
Recognized brand with over 110 years of operations and wide
network across India and significant international presence
Balanced Credit Portfolio
Technology-enabled Systems and Infrastructure
for Scalability
Improving Financial Position and Stable
Capital Base
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Metro19.51%
Urban15.94%
Semi-Urban28.57%
Rural35.98%
North27.71%
East24.70%
West17.88%
South13.48%
Central16.23%
Legends>200 Branches
100-200 Branches
1- 100 Branches
State
UT
Pan India Distribution Network
Distribution of Domestic Branches
As on Dec 31, 2019
WIDE DISTRIBUTION NETWORK
519
163
65
147
858
100
5
502
19
8
35
344
4
13
368
492
254
439384
52 136
66
156
216
103
10
1
2
8
61
Presence in 28 States and 8 Union Territories
1
2
4
2
As on Dec 31, 2019
53Branches*
4 Global Subsidiaries
19Countries
49,015Customers
Global PresenceAs on Dec 31, 2019
Total Branches – 5,089
Cross-Selling Opportunities
As on Dec 31, 2019
Bancassurance services to Insurance Companies and Distribution of Mutual Fund Products
General Insurance Health Insurance
Life Insurance Mutual Funds
* Including Subsidiaries and Joint Ventures
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DELIVERY CHANNELS
No. of Domestic Branches
5,123 5,127
5,092 5,0935,089
FY17 FY18 FY19 9MFY19 9MFY20
Internet Banking Users
4,180
5,299 5,887 5,773
6,519
FY17 FY18 FY19 9MFY19 9MFY20
No. of ATMs and CRMs
(‘000)
Mobile Banking Users
151 187
1,290
894
2,285
FY17 FY18 FY19 9MFY19 9MFY20
7,717 7,423
6,154 6,1685,750
484 484 484 484
1,335
FY17 FY18 FY19 9MFY19 9MFY20
ATMs CRMs
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
(‘000)
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STRONG LIABILITY FRANCHISE
Customer Base
39.84%
41.43%
43.36%
42.65% 42.69%
FY17 FY18 FY19 9MFY19 9MFY20
5,400.32 5,208.54 5,208.62 5,151.28 5,221.38
FY17 FY18 FY19 9MFY19 9MFY20
INR Bn
Total Deposits CASA %
Cost of Average Deposits1
4.68%
4.56%
4.46% 4.48%
4.56%
FY17 FY18 FY19 9MFY19 9MFY20
86.57
94.04
100.6499.03
94.89
FY17 FY18 FY19 9MFY19 9MFY20
Million
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
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417.93 478.17
564.92 535.24 588.48
14.63% 16.29% 17.22% 17.17% 17.69%
FY17 FY18 FY19 9MFY19 9MFY20
Retail Advances Retail Advances as % of Domestic Advances
BALANCED CREDIT PORTFOLIO
Total Net Advances
Retail Advances
INR Bn
3,664.82 3,413.80 3,410.06 3,311.14 3,366.61
FY17 FY18 FY19 9MFY19 9MFY20
Yield on Average Advances1
Break-up of Gross Domestic Advances
INR Bn
The diversified credit portfolio helps in reducing the volatility and potential risks associated with concentrated credit portfolio in particular segments or sectors
7.48% 7.12%
8.13% 8.07%8.60%
FY17 FY18 FY19 9MFY19 9MFY20
14.63%
16.45%
17.88%
51.04%
Retail Agri MSME Corporate & Others
17.69%
15.49%
16.31%
50.51% 9MFY20FY17
RAM48.96%
RAM49.49%
1 Yield on Average Advances is interest income from Advances divided by total quarterly average (Closing) Advances.
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Retail3.38%
Agri16.70%
MSME17.20%
Corporate62.72%
ASSET QUALITY
18.72% 18.09% 17.67%
3.04%
Corporate Agri MSME Retail
Slippages & RecoveriesSegment-Wise Gross NPA
13.22%
16.58% 15.84% 16.31% 16.30%
6.90%8.26%
5.61% 5.87% 5.97%
FY17 FY18 FY19 9MFY19 9MFY20
GNPA NNPA
INR Bn% of NPA to Advances % of NPA to Gross NPA
Asset Quality
As on Dec 31, 2019
61.47%65.85%
76.95% 76.76% 77.15%
FY17 FY18 FY19 9MFY19 9MFY20
Provision Coverage Ratio
14
5.5
6
15
2.9
6
19
5.7
0
16
3.3
2
12
4.9
5
16
7.2
2 25
5.8
1
17
9.4
5
14
8.0
7
13
5.6
5
FY17 FY18 FY19 9MFY19 9MFY20
Reduction Slippages
13
Infrastructure Gross Fund-Based Loans Break-Up
ASSET QUALITY
Domestic Gross Fund-Based Loans
20.8 24.7 63.5
261.9
370.9
NCLT 1List
NCLT 2List
Accounts filedby BoI at NCLT
Accounts filedby other banks
at NCLT
Total
Restructured Advances
INR Bn
NCLT AccountsAs on Dec 31, 2019
Sector Amount (Rs. Bn.)
Infra 18.49
Aviation 15.52
Textiles 0.54
Steel 1.08
Cement 1.92
Services 1.04
Hotels 1.01
Agriculture 0.88
Others 42.1
Standard Restructured Advances (Domestic) 82.60
Standard Restructured Advances (Overseas) 0.33
Standard Restructured Advances (Total) 82.93
As on Dec 31, 2019 As on Dec 31, 2019
66.0%
0.3%
23.6%
10.1%
Power (including electricity)
Telecommunication
Roads and ports
Other infrastructure
Sector Amount (Rs. Bn.) % of Advances
Infrastructure 478.31 14.29%
Basic metal and metal products 107.49 3.21%
Textiles 65.80 1.97%
Construction 48.83 1.46%
Mining and quarrying (including coal) 46.95 1.40%
Chemicals and chemical products 42.48 1.27%
Gems and jewelry 34.17 1.02%
Food processing 33.02 0.99%
Vehicles, vehicle parts and transport equipment
18.88 0.56%
Rubber, plastics and their products 17.16 0.51%
Other industries* 133.83 4.00%
All industries 1,026.91 30.68%
* 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
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CAPITAL ADEQUACY
CET-I Capital
INR Bn
INR Bn
308.66 308.98 338.70
274.44
338.22
8.91%9.73%
11.07%
9.24%
11.17%
FY17 FY18 FY19 9MFY19 9MFY20
Tier I Capital Tier I (%)
Total Capital (Tier I + Tier II)
Tier I Capital
INR Bn
INR Bn
Risk Weighted Assets
420.82 410.97
434.04
370.65
429.89
12.14%
12.94%
14.19%
12.47%
14.20%
FY17 FY18 FY19 9MFY19 9MFY20
Total Capital Capital Adequacy (%)
3,466.11
3,175.46 3,059.53
2,970.23 3,028.49
55.34% 52.09% 48.94% 48.57% 48.07%
FY17 FY18 FY19 9MFY19 9MFY20
RWA RWA to Total Assets
248.58 249.93
336.83
270.39
337.32
7.17%7.87%
11.01%
9.10%
11.14%
FY17 FY18 FY19 9MFY19 9MFY20
CET-I Capital CET-I (%)
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FINANCIALS
Net Interest Income
INR Bn
INR Bn
118.26105.06
136.58
96.13
114.64
FY17 FY18 FY19 9MFY19 9MFY20
Operating Profit
97.33
71.39 80.92
57.89
88.66
FY17 FY18 FY19 9MFY19 9MFY20
Non Interest Income
INR Bn
INR Bn
67.72 57.34
51.32
35.29
50.25
FY17 FY18 FY19 9MFY19 9MFY20
Net Profit
(15.58)
(60.44)(55.47) (57.99)
6.15
FY17 FY18 FY19 9MFY19 9MFY20
Figures are on standalone basis and have been rounded off to two decimal points
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FINANCIALS
Net Interest Margin1
2.15%1.89%
2.55%2.41%
2.83%
FY17 FY18 FY19 9MFY19 9MFY20
Return on Average Equity2
-7.67%
-31.84%-27.05%
-41.51%
3.12%
FY17 FY18 FY19 9MFY19 9MFY20
Cost-Income Ratio
47.67%
56.04% 56.93% 55.95%
46.23%
FY17 FY18 FY19 9MFY19 9MFY20
Return on Average Assets3
-0.25%
-0.98% -0.91%
-1.28%
0.13%
FY17 FY18 FY19 9MFY19 9MFY20
Figures are on standalone basis
3 Return on average assets is the ratio of the net profit after tax to the quarterly average (closing) assets.
2 Return on average equity is the ratio of the net profit after tax to the quarterly average (closing) net worth (capital plus reserves).
1 Net interest margin is the difference of interest earned and interest expended divided by the total quarterly average (closing) interest-earning assets.
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PROFESSIONAL AND EXPERIENCED BOARD
Mr. Gopalaraman PadmanabhanChairman and Non-Executive Director
Holds a bachelor’s and master’s degree in arts from the University of Kerala and a master’s degree in businessadministration in international banking and finance from the University of Birmingham
In the past he has served as an Executive Director of the Reserve Bank of India
Mr. Atanu Kumar DasManaging Director & CEO
Designated as Managing Director and CEO of the Bank on January 20, 2020 Holds a master’s of arts degree in analytical and applied economics from Utkal University In the past, he has served as a general manager of Vijaya Bank
Mr. Chaitanya Gayatri ChintapalliExecutive Director
Joined the Bank as a probationary officer in June 1985 and has handled managerial positions in the Bankacross the country
Holds a bachelor’s degree in agriculture from Andhra Pradesh Agricultural University and is a certifiedassociate of Indian Institute of Banking and Finance
Ms. Dakshita DasNon-Executive Nominee Director (Central Government)
Appointed as a non-executive nominee director of the Bank on July 13, 2018 Additional secretary in the Department of Financial Services, Ministry of Finance and was the MD & CEO of
National Housing Bank
Mr. Subrata Das
Non-Executive Nominee Director
(RBI)
Regional director of the Reserve Bank of India, Hyderabad Appointed as a non-executive nominee director of the Bank on August 13, 2019 Holds a bachelor’s in arts degree in economics and a master’s in arts degree in analytical and applied
economics from Utkal University
Mr. Debabrata SarkarNon-Executive Independent Director (Shareholder’s nominee)
In the past, he has served as the Chairman and Managing Director of Union Bank of India, ex-officio director ofGeneral Insurance Corporation of India
Holds a master’s degree in commerce from the University of Calcutta, is a member of the Institute ofChartered Accountants of India and a certified associate of the India Institute of Bankers
Mr. D HarishNon-Executive Independent Director (Shareholder’s nominee)
Appointed as an independent director of the Bank on October 25, 2017 He has been awarded “Most Talented Coaching Leaders (India)” by CHRO Asia in 2017 Holds a bachelor’s degree in commerce from the University of Madras and a post graduate diploma in
personnel management and industrial relations from the Xavier Labour Relations Institute, Jamshedpur
Seasoned Professionals with Experience in their Fields
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STRATEGIES
Expand the Bank’s retail, agriculture and MSME lending profile byleveraging 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 andenhance customer experience
Improving our risk management systems to ensure long-term sustainabilityof our business
19
ANNEXURES
20
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.
21
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.
22
GLOSSARY
Term Description
NIMNet interest margin is the difference of interest earned and interest expended divided by the total quarterly average (Closing) 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
RoAEReturn on Average Equity is the ratio of the net profit after tax to the quarterly (Closing) average net worth (capital plus 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