BANK OF INDIA

1
BANK OF INDIA

• FINANCIAL RESULTS FOR
• YEAR ENDED MARCH 2008
• 30.04.2008

2
HIGHLIGHTS FOR YEAR ENDED MAR 08

• Deposits increased by Rs. 30130 cr (25 rise)
  Domestic by Rs. 30672 cr, (32)
• Gross Advances increased by Rs.28001 crore
  (32), Domestic by Rs.21577 crore (31)

3
HIGHLIGHTS FOR YEAR ENDED MAR 08

• Net Interest Income increased by 23 from Rs.
  3440 crores to Rs.4229 crores
• Non Interest Income increased by 35 from Rs.
  1563 crores to Rs.2117 crores
• Operating expenses increased only by 1.42 from
  Rs.2608 crores to Rs.2645 crores

4
HIGHLIGHTS FOR YEAR ENDED MAR 08

• Operating Profit increased by 55
• from Rs.2395 crores to Rs.3701
• crores
• Net Profit increased by 79
• from Rs.1123 crores to Rs.2009
• crores

5
HIGHLIGHTS FOR YEAR ENDED MAR 08

• Networth increased to Rs.8628 crore from Rs.5504
  crore - Y-o-Y growth 57
• Book Value per Share improved to Rs.164.05 in
• Mar. 08 from Rs.112.75 in Mar. 07
• Earnings per Share (not annualised) increased to
• Rs.40.83 from Rs.23.04 in Mar. 07
• Return on Assets (annualised) improved to 1.25
  from 0.88 in Mar. 07

6
HIGHLIGHTS FOR YEAR ENDED MAR 08

• Gross N.P.A. declined to 1.68 from 2.42 in
• Mar. 07
• Net N.P.A. declined to 0.52 from 0.95 in
• Mar. 07
• Provision Coverage ratio improved to 81.25
• from 69.91 in Mar. 07

7
HIGHLIGHTS FOR QUARTER MAR 08

• Operating Profit increased by 35
• from Rs.895 crores to Rs.1212 crores
• Net Profit increased by 69
• from Rs.447 crores to Rs.757 crores

8
HIGHLIGHTS FOR QUARTER MAR 08

• Net Interest Income increased by 25.72 from Rs.
  968 crores to Rs.1217 crores
• Non Interest Income increased by 13.17 from Rs.
  577 crores to Rs.653 crores
• Operating expenses increased only by 1.23 from
  Rs. 650 crores to Rs.658 crores

9
HIGHLIGHTS FOR QUARTER MAR 08

• Earnings per Share (not annualised)
• increased to Rs.14. 95 from Rs.9.18
• in Mar. 07
• Return on Assets (annualised)
• improved to 1.78 from 1.32
• in Mar. 07

10
BUSINESS MIX
Rs. in Crore
On Y o- Y basis Mar 08 Mar
07 Growth of Global Business Mix
28.13 28.69 Growth of Indian Business Mix
31.75 24.78
11
GROWTH IN DEPOSITS
Rs. in Crore
On Y-o-Y basis Mar 08 Mar 07 Global
Deposits 25.13 27.62 Indian Deposits
32.37 21.7
12
GROWTH IN ADVANCES
Rs. in Crore
On Y-0-Y basis Mar 08 Mar 07
Global Advances 32.26 30.19 Indian
Advances 30.91 29.22 Foreign Advances
37.83 34.35
13
DOMESTIC DEPOSITS
On Y-o-Y basis, Aggregate Deposits grew by
32.93, Savings grew by 14.37, Current by
37.87, Low Cost Deposits grew by 19.42.
14
NPA MOVEMENT
15
NPA MOVEMENT
16
NON-PERFORMING ADVANCES
Gross NPA declined from 2.42 in Mar 07 to 1.68
in Mar 08 Net NPA declined from 0.95 in Mar 07
to 0.52 in Mar 08
17
PROFIT - NET INTEREST INCOME
18
PROFITABILITY RATIOS
Variation in Quarter 25.72 Variation in
12 months 22.94
19
NON - INTEREST INCOME
20
PROFITABILITY RATIOS
Variation in Quarter 13.17 Variation in
12 months 35.44
21
PROFITABILITY RATIOS
Variation in Quarter 21.03 Variation in 12
months 26.84
22
OPERATING PROFIT
23
PROFITABILITY RATIOS
Variation in Quarter 35.42 Variation in 12
months 54.53
24
OTHER OPERATING EXPENSES
25
NET PROFIT
26
PROFITABILITY RATIOS
Variation in Quarter 69.35 Variation in
12 months 78.90
27
APPROPRIATIONS
Amount in Rs. Crores
28
PROFIT - SEGMENT
29
PROFITABILTY RATIOS Q4
30
PROFITABILTY RATIOS
31
RATIOS
32
CAPITAL ADEQUACY
33
PRODUCTIVITY
Business Per Employee increased by 30.92
Business Per Branch improved by 21.13
34
KEY SECTORS
(Rs,Cr.)
Y-o-Y growth 31.03.08 Agriculture 23.39
SME 25.84 Retail Credit
11.20 Corporate
47.36
35
RETAIL CREDIT (Domestic)
36
INVESTMENTS(GLOBAL)
(Rs.Cr.)
37
INVESTMENTS(Domestic)
(Rs. crore)
38
Thank You