#1S क बैंक ऑफ इंडिया BANK OF INDIA BANK OF Bank of India Relationship beyond banking 75 G20 आज़ादी का अमृत महोत्सव 2023 INDIA 117 years of successful journey... PERFORMANCE ANALYSIS FY 2022-23#215 75 आज़ादी का अमृत महोत्सव G20 भारत 2023 INDIA External Rating, Branch Networks and Raising of Capital External Rating of Bank of India Domestic Long Term Rating Rating Agency Rating Infomerics AAA (Stable) CRISIL Ltd. AA+ (Stable) ICRA Ltd. AA+ (Stable) India Ratings AA+ (Stable) Domestic Short Term Rating Rating Agency Rating Global Branch Networks Branch Network Domestic Branches - Metro - Urban - Semi Urban - Rural - Digital Banking Units Overseas Branches Total No. of Branches Bank of India Relationship beyond banking Mar-2022 Dec-2022 Mar-2023 5,105 991 5,118 5,131 989 991 815 822 829 1,462 1,454 1.456 1,837 1,851 1,853 2 2 23 21 21 5,128 5,139 5,152 - CRISIL Ltd. A1+ Overseas Rating Rating Agency Rating Fitch Rating BBB- (Long) / F3 (Short) (Stable) Visit: www.bankofindia.co.in | Follow us on f O חו Capital Raised during FY 2022-23 Additional Tier 1 Bonds Rs. 1,500 Crores 01.12.2022 117 years of successful journey ..... 2#375 7 G2 Table of contents आज़ादी का अमृत महोत्सव 2023 INDIA Visit: www.bankofindia.co.in | Follow us on f O Bank of India Relationship beyond banking 01 Key Highlights (4-6) 02 Business Performance (7-17) 03 Financial Performance (18-23) 04 Asset Quality (24-30) 05 Capital & Shareholding (31-33) 06 Digital, New Initiatives & others (34-48) חו 117 years of successful journey. ..... 3#475 G20 आज़ादी का अमृत महोत्सव भारत 2023 INDIA Visit: www.bankofindia.co.in | Follow us on f O חו Key Highlights Bank of India Relationship beyond banking 117 years of successful journey. ..... 4#5TG2Performance at a Glance अमृत महोत्सव भारत 2023 INDIA Bank of India Relationship beyond banking Particulars Total Business Total Deposits CASA % Mar-2021 10,37,549 Mar-2022 10,84,910 (Rs in crores) Mar-2023 11,85,438 6,27,114 6,27,896 6,69,586 41.27 45.02 44.73 Gross Advances 4,10,436 4,57,014 5,15,852 RAM % 51.66 53.77 55.11 Operating Profit 10,273 9,988 13,393 Net Profit 2,160 3,405 4,023 NIM % 2.48 2.36 3.01 Cost to Income Ratio (CIR) % 51.34 54.48 51.08 Gross NPA % 13.77 9.98 7.31 Net NPA % 3.35 2.34 1.66 Return on Assets (ROA) % 0.28 0.43 0.49 Return on Equity (ROE) % 8.81 10.55 10.31 Visit: www.bankofindia.co.in | Follow us on f O חו 117 years of successful journey. ........ 5#67 75 आज़ादी का अमृत महोत्सव G20 G2 Performance Highlights (FY2022-23 - YOY) भारत 2023 INDIA Global Business CASA Provision Cover % Increased by 9.27% Increased by 2.72% Increased by 192 bps Yield on Advances Increased by 61 bps Gross Advances Agri. Advances MSME Advances Retail Advances Increased by 12.87% Increased by 8.99% Increased by 9.31% Increased by 17.40% Operating Profit Increased by 34.08% NIM % Gross NPA % Net NPA % Increased by 65 bps Decreased by 267 bps Decreased by 68 bps Visit: www.bankofindia.co.in | Follow us on f O חו 117 years of successful journey.......... Bank of India Relationship beyond banking 6#775 G20 आज़ादी का अमृत महोत्सव भारत 2023 INDIA C ul.mull. ul.mull. Business Performance Visit: www.bankofindia.co.in | Follow us on f m.m חו 117 years of successful journey. ..... Bank of India Relationship beyond banking 7#875 7 G2 Global Business आज़ादी का अमृत महोत्सव 2023 INDIA Mar-23 9.27% YOY 2.07% QOQ 10,84,910 31.03.2022 Global Business Mix 11,61,441 31.12.2022 Global Deposits Mar-23 6.64% YOY 6,53,691 2.43% QOQ 6,27,896 11,85,438 Particulars Credit Deposit Ratio -Global (%) 31.03.2023 6,69,586 Mar-23 12.87% YOY 1.60% QOQ 31.03.2022 31.12.2022 31.03.2023 Visit: www.bankofindia.co.in | Follow us on f O in 4,57,014 31.03.2022 Bank of India Relationship beyond banking (Rs in crores) 31.03.2022 31.12.2022 31.03.2023 72.78 77.67 77.04 Global Advances 5,07,750 31.12.2022 5,15,852 31.03.2023 117 years of successful journey ..... 8 00#975 7 G2 Deposits & Advances: Global आज़ादी का अमृत महोत्सव भारत 2023 INDIA Domestic and Overseas Deposits Domestic and Overseas Advances Bank of India Relationship beyond banking (Rs in crores) Mar-23 Mar-23 2.95% YOY 9.56% YOY 1.86% QOQ 5,50,833 5,56,707 5,67,063 4,26,622 4,31,637 1.18% QOQ 3,93,991 Mar-23 33.63% YOY 3.81% QOQ LL L 77,063 96.984 1,02,523 Mar-23 33.04% YOY 5.71% QOQ LLL 63,022 81,128 84,215 31.03.2022 31.12.2022 ■Domestic Overseas 31.03.2023 Visit: www.bankofindia.co.in | Follow us on f O חו 31.03.2023 31.03.2022 31.12.2022 Domestic Overseas 117 years of successful journey. ..... 6#1075 7 G2 Domestic Deposit - CASA आज़ादी का अमृत महोत्सव 2023 INDIA Mar-22 5% 46% 49% 40% Dec-22 6% 45% 39% Bank of India Relationship beyond banking Mar-23 6% (Rs in crores) 39% 9% 6% ■ CA ■ SA ■ TD- Bulk Dep ■ TD- Others ■CA SA TD- Bulk Dep ■ TD- Others ■ CA ■ SA 10% TD- Bulk Dep ■TD- Others Types of Deposits Savings Account Current Account CASA (Amount / %) 31.03.2022 2,15,638 29,826 31.12.2022 2,14,048 32,670 31.03.2023 2,21,349 30,800 2,45,464 45.02% 2,46,718 / 44.56% 2,52,149 / 44.73% Growth in CASA / Visit: www.bankofindia.co.in | Follow us on f O חו 2.20% (QOQ) 2.72% (YOY) 117 years of successful journey. ...... 10#1175 T G2 Composition of Gross Advances (Domestic) आज़ादी का अमृत महोत्सव भारत 2023 INDIA Particulars Agriculture MSME Retail Bank of India Relationship beyond banking (Rs in crores) 31.03.2022 31.12.2022 31.03.2023 Growth Growth 66,418 70,334 QoQ% 72,391 2.92% YOY% 8.99% 64,750 69,250 70,777 2.21% 9.31% 80,675 91,371 94,716 3.66% 17.40% 2,11,843 2,30,955 2,37,884 3.00% 12.29% 1,33,464 1,53,458 1,49,571 -2.53% 12.07% 48,684 42,209 44,182 4.67% -9.25% 3,93,991 4,26,622 4,31,637 1.18% 9.56% " 53.77% 54.14% 55.11% 66.13% 64.03% 65.35% RAM Corporate & Others Govt. Guaranteed Advances Gross Domestic Advances RAM Advances (%) RAM + Govt. Guaranteed Advances (%) As on 31.03.2022 As on 31.12.2022 Corp & Others 34% Govt. Gte Adv. 12% Agricultu re 17% Retail 21% MSME 16% Visit: www.bankofindia.co.in | Follow us on f O חו Govt. Gte Adv. 10% Corp & Others 36% Retail 21% Agricultur 17% MSME 16% As on 31.03.2023 Govt. Gte Adv. 10% Agriculture 17% Corp & Others 35% Retail 22% MSME 16% 117 years of successful journey ... 11#12TG2 Retail Loans आज़ादी का अमृत महोत्सव 2023 INDIA Particulars Home loans Vehicle loans Education loans Mortgage loans Personal loans Others incl. Staff Loans, Loans agst TDR Total % 9% As on 31.03.2022 3% 13% 12% 9% 56% 3% Visit: www.bankofindia.co.in | Follow us on f O 31.03.2022 31.12.2022 31.03.2023 Growth Bank of India Relationship beyond banking (Rs in crores) Growth YOY (%) QOQ (%) 44,895 50,250 51,897 3.28% 15.60% 10,353 13,042 13,584 4.16% 31.21% 2,705 2,912 3,002 3.09% 10.98% 7,438 8,078 8,240 2.01% 10.78% 5,483 6,453 6,915 7.16% 26.12% 9,801 10,636 11,078 4.16% 13.03% 80,675 91,371 94,716 3.66% 17.40% As on 31.12.2022 As on 31.03.2023 Home loans 12% 12% Vehicle loans 7% 7% Education loans חו 14% 9% 55% 14% Mortgage loans 55% Personal loans Others incl. Staff Loans, Loans agst TDR etc 117 years of successful journey ..... 12#1375 7 G2 Priority Sector Advances (Domestic) आज़ादी का अमृत महोत्सव 2023 INDIA Bank of India Relationship beyond banking (Rs in crores) Parameters Mar-22 Dec-22 Mar-23 Growth Growth Q-o-Q % Y-o-Y (%) ANBC Priority Sector % TO ANBC 3,51,206 3,72,302 3,83,380 2.98 9.16 1,51,600 1,60,794 1,64,461 2.28 8.48 41.55 43.19 43.28 0.09 1.73 Agriculture 66,418 70,334 72,391 2.92 8.99 % TO ANBC 18.00 18.89 19.00 0.11 1.00 Small and Marginal Farmers 38,927 41,553 43,259 4.10 11.13 % TO ANBC 10.36 11.16 11.23 0.07 0.87 Weaker Section 47,402 54,829 56,558 3.15 19.32 % TO ANBC 13.02 14.72 14.75 0.03 1.73 Micro Enterprises (PS) % To ANBC 39,637 11.00 41.981 43,139 2.76 8.84 11.28 11.29 0.02 0.29 Note: Our Bank has undergone trading of PSLC and earned Rs. 41.03 crores (Net Earnings) in the FY 2023 Visit: www.bankofindia.co.in | Follow us on f O חו 117 years of successful journey ... 13#14TG2 Domestic Credit (Industry Wise) अमृत महोत्सव भारत 2023 INDIA Bank of India Relationship beyond banking (Rs in crores) Particulars 31.03.2022 31.12.2022 31.03.2023 % to Domestic Growth QOQ % Growth ΥΟΥ (%) Advances Infrastructure 65,545 66,221 65,181 15.10% -1.57% -0.56% Basic Metal & Metal products 10,845 13,586 14,523 3.36% 6.90% 33.91% Textiles 7,386 7,633 7,264 1.68% -4.83% -1.65% Gems & Jewellery 4,126 4,025 3,975 0.92% -1.24% -3.66% Chemicals & Chemical products 5,788 6,413 6,233 1.44% -2.81% 7.69% Vehicles & Transport equipment 2,861 2,765 2,764 0.64% -0.04% -3.39% Rubber, Plastic & their products 3,173 3,186 3,134 0.73% -1.63% -1.23% Construction 3.933 4,084 3,857 0.89% -5.56% -1.93% Real Estate (Incl. CRE + HFC) 76,304 86,483 89,730 20.79% 3.75% 17.60% - Residential Mortgage 50,987 57,201 59,104 13.69% 3.33% 15.92% - CRE 1,587 1,715 3,059 0.71% 78.37% 92.75% - HFC 23,730 27,567 27,778 6.44% 0.77% 17.06% NBFC (Excl. HFC) 35,622 36,438 34,772 8.06% -4.57% -2.39% Other Industries Total 25,672 33,611 34,741 8.05% 3.36% 35.33% 2,41,255 2,64,445 2,66,174 61.67% 0.65% 10.33% Visit: www.bankofindia.co.in | Follow us on f O חו 117 years of successful journey.. 14#1575 7 G2 Domestic Advances (Infrastructure Sectors) आज़ादी का अमृत महोत्सव 2023 INDIA Bank of India Relationship beyond banking (Rs in crores) Particulars Power a) SEBs 31.03.2022 31.12.2022 31.03.2023 Growth Growth QOQ % YOY (%) 44,584 42,721 42,145 -1.35 -5.47 20,552 19,945 18,945 -5.01 -7.82 - Generation 8,946 8,673 8,503 -1.96 -4.95 - Transmission 1,620 2,756 1,980 -28.16 22.22 - Distribution 9,986 8,516 8,462 -0.63 -15.26 b) Others 24,032 22,776 23,200 1.86 -3.46 Roads and Ports 15,451 16,242 16,150 -0.57 4.52 Telecom 386 382 383 0.26 -0.78 Other Infrastructure 5,124 6,876 6,503 -5.42 26.91 Total 65,545 66,221 65,181 -1.57 -0.56 Visit: www.bankofindia.co.in | Follow us on f O חו 117 years of successful journey ... 15#1615 75 आज़ादी का अमृत महोत्सव G20 G2 External 2023 INDIA External Rating (As per Basel III) 27.20% 4.28% 3.68% 4.40% As on 31.12.2022 60.45% 25.08% 5.81% 4.04% 2.87% As on 31.03.2023 ■Govt. Guaranteed Advances ■ Unrated ■ BB & Below Visit: www.bankofindia.co.in | Follow us on f O חו -ВВВ 62.20% Bank of India Relationship beyond banking ■ A & above 117 years of successful journey ..... 16#17TG2Domestic Investments अमृत महोत्सव भारत 2023 INDIA Particulars SLR Investments Bank of India Relationship beyond banking I (Rs in crores) 31.12.2022 31.03.2023 AFS HTM HFT AFS HTM HFT 21,621 1,18,356 242 30,943 1,24,113 -30 Of Which: Government 30,943 1,24,113 -30 Securities 21,621 1,18,356 242 Other Approved -- Securities M Duration 1.21 - 6.12 1.2 6.67 Non SLR Investments 12,021 30,760 2 13,726 30,767 52 M Duration 3.33 - Total 33,642 1,49,116 244 2.77 44,669 2.41 1,54,880 22 Visit: www.bankofindia.co.in | Follow us on f O חו 117 years of successful journey ... 17#1875 G20 आज़ादी का अमृत महोत्सव भारत 2023 INDIA Visit: www.bankofindia.co.in | Follow us on f ₹ 3 Financial Performance חו Bank of India Relationship beyond banking 117 years of successful journey. ..... 18#1975 TE G2 Net Interest Income (Global) आज़ादी का अमृत महोत्सव 2023 INDIA Bank of India Relationship beyond banking (Rs in crores) Particulars Interest Income Q4FY22 Q3FY23 Q4FY23 FY2022 FY2023 9,857 12,728 13,449 38,076 47,648 a. Advances 6,882 8,828 9,440 25,842 33,368 b. Investments 2,723 2,985 3,296 11,116 11,943 c. Money Market Operations & Others 252 915 713 1,118 2,337 Interest Expended 5,870 7,132 7,956 24,013 27,373 a. Deposits 5,457 6,042 6,431 22,629 23,627 b. Borrowings 215 911 1,302 622 3,017 c. Subordinated Bonds & Others 198 179 223 762 729 Net Interest Income 3,987 5,596 5,493 14,063 20,275 Net Interest Margin (%) 2.56 3.28 3.15 2.36 3.01 Visit: www.bankofindia.co.in | Follow us on f O חו 117 years of successful journey .. 19#2075 TE G2 Non-Interest Income (Global) आज़ादी का अमृत महोत्सव 2023 INDIA Bank of India Relationship beyond banking I (Rs in crores) Particulars Q4FY22 Q3FY23 Q4FY23 FY2022 FY2023 Commission, Exchange & Brokerage 293 384 366 1,198 1,368 Profit from Sale and Revaluation of Investments -111 115 1,717 1,407 1,836 Profit from Exchange Transactions Recovery In W/o accounts Profit on Sale to ARC Third Party Commision Other Non Interest Income Total Non-Interest Income 661 243 153 2,560 1,004 329 285 301 821 1,073 25 5 18 276 134 35 50 51 130 178 355 349 493 1,486 1,507 1,587 1,432 3,099 7,879 7,100 Visit: www.bankofindia.co.in | Follow us on f חו 117 years of successful journey ... 18 20#21आज़ादी का 75 G2 Operating Profit & Net profit अमृत महोत्सव 2023 INDIA Bank of India Relationship beyond banking I (Rs in crores) Particulars Operating Profit Provisions for - Bad & Doubtful Q4FY22 Q3FY23 Q4FY23 FY2022 FY2023 2,466 3,652 4,184 9,988 13,393 1,135 1,087 546 2,943 3,602 - Standard Assets and others 83 806 374 1,081 2,354 - Dep. on Non-Performing Investment 323 -14 1,130 397 1,208 Total Provisions before Tax 1,541 1,879 2,051 4,422 7,163 Profit before Tax (PBT) 925 1,773 2,133 5,567 6,229 Taxation 319 622 783 2,162 2,206 Net Profit (PAT) 606 1,151 1,350 3,405 4,023 Visit: www.bankofindia.co.in | Follow us on f חו | 117 years of successful journey ... 21#2275 G20 आज़ादी का अमृत महोत्सव G2 Key Financial Ratios (Global) 2023 INDIA Bank of India Relationship beyond banking Particulars Yield on Advances (%) Q4FY22 Q3 FY23 Q4FY23 FY2022 FY2023 6.77 7.67 7.95 6.76 7.37 Yield on Investments (%) 6.25 6.49 6.82 6.32 6.51 Yield on Funds (%) 5.40 6.53 6.70 5.21 6.15 Cost of Deposits (%) 3.54 3.72 3.91 3.69 3.67 Cost of Funds (%) 3.22 3.66 3.95 3.29 3.53 Net Interest Margin (NIM) (%) 2.56 3.28 3.15 2.36 3.01 - Domestic NIM (%) 2.90 3.72 3.59 2.61 3.43 - Overseas NIM (%) 0.86 1.25 1.09 0.96 1.07 Cost to Income Ratio (%) 55.76 48.03 51.48 54.48 51.08 Credit Deposit Ratio 72.78 77.67 77.04 72.78 77.04 Return on Assets (%) 0.30 0.55 0.63 0.43 0.49 Return on Equity (%) 6.64 12.21 13.52 10.55 10.31 Credit Cost (Annualised) (%) 1.10 0.93 0.45 0.75 0.79 Book Value Per Share (Tangible) (Rs) 85.98 94.50 100.22 85.98 100.22 Book Value Per Share (Rs) 112.63 117.80 121.15 112.63 121.15 Visit: www.bankofindia.co.in | Follow us on f O חו 117 years of successful journey.. 22#23TG2Efficiency Ratios अमृत महोत्सव भारत 2023 INDIA Cost of Deposits & Yields on Advances (%) 7.67 7.95 Cost of Funds & Yield on Funds (%) 6.53 6.70 Bank of India Relationship beyond banking 6.77 5.40 Q4FY23 Domestic Yield Cost Q4FY23 Yield Cost 8.54 4.27 Domestic 6.98 3.97 3.95 3.54 3.72 3.91 Overseas 5.02 1.86 3.66 3.22 Overseas 4.99 3.82 Q4FY22 Q3FY23 Q4FY23 Q4FY22 Q3FY23 Q4FY23 Cost of Deposits (%) Yield on Advances (%) -Cost of Funds (%) -Yield on Funds (%) 6.76 7.37 6.15 5.21 3.69 3.67 FY2023 Domestic Yield Cost 8.07 4.06 Overseas 3.67 1.37 3.53 3.29 FY2023 Domestic Overseas Yield Cost 6.49 3.67 3.88 2.63 FY2022 FY2023 -Cost of Deposits (%) -Yield on Advances (%) Visit: www.bankofindia.co.in | Follow us on f O חו FY2022 FY2023 -Cost of Funds (%) Yield on Funds (%) 117 years of successful journey. 23 23#2475 G2 आज़ादी का अमृत महोत्सव भारत 2023 INDIA GOOD CREDIT BAD CREDIT Asset Quality Visit: www.bankofindia.co.in | Follow us on f O חו Bank of India Relationship beyond banking 117 years of successful journey. ..... 24#2575 7 G2 Asset Quality Ratio आज़ादी का अमृत महोत्सव 2023 INDIA Bank of India Relationship beyond banking 31.03.2022 (Rs in crores) 31.03.2023 45,605 37,686 9,852 8,054 9.98 7.31 2.34 1.66 87.76 89.68 Q4FY22 Q4FY23 FY2022 FY2023 0.47 0.64 2.15 1.94 1.10 0.45 0.75 0.79 Particulars Gross NPA Net NPA Gross NPA (%) Net NPA (%) Provision Coverage Ratio (%) Particulars Slippage Ratio (%) Credit Cost (%) Visit: www.bankofindia.co.in | Follow us on f O חו 117 years of successful journey ... 25 25#267 G20 75 G2 आज़ादी का अमृत महोत्सव 2023 INDIA Special Mention Accounts (SMA) - Rs. 5.00 Cr and above Bank of India Relationship beyond banking (Rs in crores) SMA Category SMA Position of Rs. 5.00 crores and above 31.12.2022 % to Gross 31.03.2023 % to Gross SMA-2 SMA-1 SMA-O Amount 893 1,052 Amount Adv Adv 0.17% 779 0.15% 0.20% 1,198 0.23% 17,097 3.31% 14,991 2.91% Grand Total 19,042 3.69% 16,968 3.29% 31.12.2022 31.03.2023 Sector/SMA SMA-2 SMA-1 SMA-0 SMA-2 SMA-1 SMA-0 Agriculture 100 202 731 135 147 1,066 Retail 52 69 318 37 90 595 MSME 502 529 2,674 402 479 3,410 Corporate 239 251 13,373 205 483 9,921 Grand Total 893 1,052 17,097 779 1,198 14,991 Visit: www.bankofindia.co.in | Follow us on f O חו 117 years of successful journey ..... 26 26#2775 7 G2 Resolution Framework (Standard Restructuring) आज़ादी का अमृत महोत्सव 2023 INDIA Outstanding as on 31.03.2023 Bank of India Relationship beyond banking I (Rs in crores) % on Gross Category Resolution Resolution One Time Total Provision Advances Framework 1.0 Framework 2.0 Restructuring Retail 391 4,546 4,937 494 MSME 774 2,314 1.202 4,290 369 2.22% Corporate & Others Total 394 1,834 2,228 213 1,559 6,860 3,036 11,455 1,076 Visit: www.bankofindia.co.in | Follow us on f O חו 117 years of successful journey ... 27#2875 7 G2 Movement of NPA आज़ादी का अमृत महोत्सव 2023 INDIA Bank of India Relationship beyond banking (Rs in crores) Segment Q4FY22 Q3FY23 Q4FY23 FY2022 FY2023 Opening Balance (Gross NPA) 45,760 42,014 38,885 56,535 45,605 Add: - Fresh Slippage 1,502 818 2,541 8,118 6,861 - Debits in existing NPA accounts 326 399 84 716 1108 Less: Cash Recovery 1,329 1,647 1,824 6,707 6,029 Upgradation 341 177 91 2,733 1,204 - Written Off 313 2,522 1,909 10,324 8,655 Total Reduction 1,983 4,346 3,824 19,764 15,888 Closing Balance (Gross NPA) 45,605 38,885 37,686 45,605 37,686 Less: Provisions 35,753 31,238 29,632 35,753 29,632 Net NPA 9,852 7,647 8,054 9,852 8,054 Visit: www.bankofindia.co.in | Follow us on f O in 117 years of successful journey ..... 28#2975 7 G2Asset Classification: Global Advances आज़ादी का अमृत महोत्सव भारत 2023 INDIA Bank of India Relationship beyond banking (Rs in crores) Sectoral As on 31.03.2022 As on 31.12.2022 As on 31.03.2023 O/s Share (%) 0/s Share (%) O/s Share (%) Standard Advances 4,11,408 90.02 4,68,865 92.34 4,78,167 92.69 Gross NPA 45,605 9.98 38,885 7.66 37,686 7.31 - Sub-Standard 4,366 0.96 4,090 0.81 4,984 0.97 - Doubtful 21,922 4.80 14,832 2.92 15,106 2.93 - Loss 19,318 4.23 19,963 3.93 17,595 3.41 Gross Advances 4,57,014 100.00 5,07,750 100.00 5,15.852 100.00 Visit: www.bankofindia.co.in | Follow us on f O חו I 117 years of successful journey ..... 29#30TG2 Summary of NCLT Cases (As on 31.03.2023) अमृत महोत्सव No of भारत 2023 INDIA Bank of India Relationship beyond banking (Rs in crores) Total Book Ols Provision held Provision (%) Particulars Accounts 2 RBI List -1 1,442 1,442 100 9 RBI List -2 1,962 1,962 100 66 Cases filed and admitted in NCLT by our Bank 5,633 4,886 87 4 Cases under admission in NCLT by our Bank 355 348 98 223 Cases filed and admitted in NCLT by other Bank 23,134 21,212 92 6 CO Cases under admission in NCLT by other Bank 327 307 94 310 Total 32,852 30,156 92 Visit: www.bankofindia.co.in | Follow us on f O חו 117 years of successful journey ... 81 30#3175 G20 आज़ादी का अमृत महोत्सव भारत 2023 INDIA depositphotos depositphotos depositphoto depositphotos Visit: www.bankofindia.co.in | Follow us on f O depositpho depositphotos $ $ $ $ depositphotos חו depositphotos cositphotos Capital & Shareholding 117 years of successful journey. ..... 31 Bank of India Relationship beyond banking#32TG2 Capital Adequacy अमृत महोत्सव भारत 2023 INDIA Particulars Capital Adequacy - Basel III CET-1 Capital Bank of India Relationship beyond banking (Rs in crores) 31.03.2022 31.12.2022 31.03.2023 42,695 43,503 48,232 Tier I Capital 44,047 46,355 51,084 Tier II Capital Total Capital (CRAR) 8,206 6,769 6,643 52,253 53,124 57,727 Risk Weighted Assets 3,16,395 3,40,639 3,54,534 CET-1 (%) including CCB 13.49 12.77 13.60 Tier 1 (%) 13.92 13.61 14.41 Tier II (%) 2.59 1.99 1.87 Capital Adequacy Basel III (%) (incl CCB) 16.51 15.60 16.28 Visit: www.bankofindia.co.in | Follow us on f O חו 117 years of successful journey ..... 32#3375 7 G2 Shareholding Pattern (As on 31.12.2022) आज़ादी का अमृत महोत्सव भारत 2023 INDIA 4.87% 6.66% 7.05% 81.41% Visit: www.bankofindia.co.in | Follow us on f O Particulars Bank of India Relationship beyond banking Shareholding Pattern ■ Promoter (Government of India) As on 31.03.2023 Government of 81.41% Life Insurance India Corporation Life Insurance 7.05% Indian public Corporation Indian Public 4.87% ■ Others Others 6.67% Total 100.00% חו 117 years of successful journey ... 33#34752 G20 आज़ादी का अमृत महोत्सव भारत 2023 INDIA TRANSFER Visit: www.bankofindia.co.in | Follow us on f חו Bank of India Relationship beyond banking Digital Banking, Financial Inclusion, Initiatives, Awards, Overseas Operations Domestic Subsidiaries & ESG 117 years of successful journey. ..... 34#35TG2 Alternate Delivery Channel आज़ादी अमृत महोत्सव 2023 INDIA ATM & CRM (Actual Count) 7,949 8,166 466 lakh Debit Cards 8,214 base 31.03.2022 31.12.2022 31.03.2023 12,991 UPI Users (in thousands) 14,842 Internetbanking Users (in thousands) 8,088 8,377 8,463 31.03.2022 31.12.2022 31.03.2023 Mobile banking Users (in thousands) 15,579 6,107 7,588 8,032 31.03.2022 31.12.2022 31.03.2023 31.03.2022 31.12.2022 31.03.2023 Visit: www.bankofindia.co.in | Follow us on f O חו Bank of India Relationship beyond banking 717 years of successful journey......... 35#3675 G2 Digital Transactions Data आज़ादी का अमृत महोत्सव भारत 2023 INDIA 15mn 15 Million UPI Users 439mn Avg. UPI Monthly Financial Transactions 0.57% Yearly Avg. UPI Debit TD 0.40% Yearly Avg. UPI Credit TD 8.7mn IB Retail + Corp Users 24mn 8mn IB Txns. In FY 22- 23 MB Users 62.5mn RTGS, NEFT Txns in FY 22-23 5 lac SWIFT Txns in FY 22-23 Visit: www.bankofindia.co.in | Follow us on f O חו Bank of India Relationship beyond banking 7.5mn MB Txns in FY 22- 23 6.8mn IMPS Txns in FY 22-23 117 years of successful journey......... 36#3775 आज़ादी का अमृत महोत्सव G2 Digital Channels: Business Figure upto 31-03-2023 भारत 2023 INDIA Bank of India Relationship beyond banking (Rs in crores) A/cs (in actuals) S/L ( in crores) O/S ( in crores) Product SAVINGS SHISHU 1,09,890 3.520 177 177 15 14 KISHORE 7,266 217 197 TARUN 1,556 125 97 PERSONAL 32 1 1 VEHICLE 197 8 8 KCC 1,531 15 13 GOLD 50,206 724 650 Visit: www.bankofindia.co.in | Follow us on f O חו 117 years of successful journey .... 34 37#3875 7 G2 Financial Inclusion आज़ादी का अमृत महोत्सव 2023 INDIA PMJDY (Rs in crores) 11,048 11,713 13,021 15 17 31.03.2022 PM JJBY 55 48 45 39 31.12.2022 31.03.2023 ■Target (%) ■ Achievement (%) APY per branch 31.03.2022 31.12.2022 31.03.2023 PMSBY 60 54 55 93 48 70 60 36 30 31.12.2022 31.03.2022 ■Target (%) 31.03.2022 31.03.2023 Achievement (%) Visit: www.bankofindia.co.in | Follow us on f O חו 111 80 31.12.2022 129 31.03.2023 ■Target Achievement 117 years of successful journey ..... Bank of India Relationship beyond banking 38#3975 7 G2 Overseas Business Operations आज़ादी का अमृत महोत्सव भारत 2023 INDIA Categories Overseas Branches (21) Overseas Subsidiaries (4) Overseas Joint Ventures (1) Representative Offices Total No of Foreign Offices No of foreign offices 21 22 1 1 45 Overseas Branches Business Parameters FY 2022-23 Deposits 1,02,523 Advances Business Mix 84,215 1,86,738 Total Income 1,376 Operating profit 919 Net-Profit 734 Gross NPA 3435 (4.08%) Net NPA 62 (0.07%) Growth Over 22.71% 23.27% 22.96% 1.88% 3.65% 23.36% -51.11% -85.20% Note: Major Global Business Centers are US (New York), London, Paris, Antwerp, Tokyo, Singapore, Dubai and Hong Kong. Spread across 5 continents and 15 countries. Visit: www.bankofindia.co.in | Follow us on f O חו Bank of India Relationship beyond banking (Rs in crores) 117 years of successful journey .. 39#4075 G2 Overseas Subsidiaries and Joint Ventures आज़ादी का अमृत महोत्सव भारत 2023 INDIA Subsidiary/Joint Venture Bank of India Relationship beyond banking (Rs in crores) Capital Deposits Advances Business Interest Operating Net Profit Mix Income Profit Bank of India (New Zealand) Ltd. 232 419 683 1,102 42 17 12 Bank of India (Tanzania) Ltd. 76 512 345 856 51 11 2 Bank of India (Uganda) Ltd. 57 633 402 1,035 68 38 11 PT Bank of India Indonesia, Tbk 1,676 1,426 1,388 2,815 137 127 8 Indo Zambia Bank (JV) 43 3,806 1,653 5,459 786 348 237 Note: Figures as on 31-03-2023 adjusted for 12 Months Visit: www.bankofindia.co.in | Follow us on f O חו 117 years of successful journey .. 40#4175 7 G2 Domestic Subsidiaries and Joint Ventures आज़ादी का अमृत महोत्सव 2023 INDIA Bank of India Relationship beyond banking Name of the Company Nature of Business Book value (in INR Crores) (Rs in crores) Percentage Holding 1 BOI Merchant Bankers Ltd. BOI Shareholding Ltd. 2 Subsidiaries - Domestic Merchant Banking Company Depository Participants activities for NSDL & CDSL 10.00 100 6.65 100 Bank of India Investment Mutual Fund Managers 3 Managers Pvt. Ltd. Company 78.90 100 Bank of India Trustee Services Trustee Service to Mutual Fund 4 Pvt. Ltd. Co. 0.00021 100 Associates - Domestic 5 STCI Finance Ltd. NBFC 130.10 30 6 ASREC (India) Ltd. Asset Reconstruction Company 27.60 26 Joint Venture - Domestic 7 Star Union Dai Ichi Life Ins. Co. Ltd. Life Insurance Company 132.92 29 Company Dividend in STCI Finance Ltd. Rs. Crores* 22.77 - SUD Life 2.85 Note: Dividend Paid since 2021-22 and 2022-23 up to Dec 22 Visit: www.bankofindia.co.in | Follow us on f O חו 117 years of successful journey .. 41#4275 G2 आज़ादी का अमृत महोत्सव Initiatives and Going forward भारत 2023 INDIA Bank of India Relationship beyond banking ☐ Bank has announced FY 2022-23 to be the year of digitalization. ☐ Bank has launched “Supply Chain Finance solution customer portal" to increase business through Channel Financing. "Star Suvidha Express Personal Loan scheme (SSEPL)" launched exclusively for salaried class and pensioners drawing pension through our Bank. □ Bank has launched "Star CPSU Scheme" for catering to the requirements of CPSUs & Central Government Bank has enabled Branch Journey & Web Journey for Savings account opening. Bank has launched BOI BIZ Pay app. Bank has completed "Technical Integration for leads generation" sourced by — housing.com, cardekho.com, 4B Network and CIBIL triggers. - Visit: www.bankofindia.co.in | Follow us on f חו 117 years of successful journey. ........ 42#4375 G2 आज़ादी का अमृत महोत्सव Initiatives and Going forward भारत 2023 INDIA Bank of India Relationship beyond banking ☐ Bank has inaugurated two DBUS in East Singhbhum and Khurda. □ Robust Recovery mechanism through initiatives like "Intensive Recovery Day", "Branch Adalat" monthly mega E-auction and involving in-house staff such as "Sanjeevani", "Saksham-2” put in place. ☐ Bank is in the process of implementation of Co-lending through "Cred Avenue" and "Knight Fintech". □E-PLATFORM solution is being implemented for Straight Through Origination. and process up all Banking products. Bank is under process of on boarding "GST Sahay App for invoice financing" and "GEM Sahay App Order Based financing". Visit: www.bankofindia.co.in | Follow us on f חו 117 years of successful journey.......... 43#4475 G2 आज़ादी का अमृत महोत्सव Initiatives and Going forward भारत 2023 INDIA ☐ Bank has formulated a Comprehensive Policy on "Syndicated Loans, External Commercial Borrowings and Foreign Currency Loans" ☐ Bank has started Digital processing of PMMY MUDRA Loans product in MSME Segment; Personal, Vehicle and Pensioner Loan in Retail Segment; Gold Loan in KCC in Agriculture segment through e-platform. ☐ Bank has successfully completed phased implementation of Electronic Cash Ledger (ECL) in Customs. ☐ Bank has taken various staff welfare initiatives to improve cordial working atmosphere under ESG (Environmental Social Governance) programme launched by Human Resources. Visit: www.bankofindia.co.in | Follow us on f O חו Bank of India Relationship beyond banking 117 years of successful journey .... 44#457557 आज़ादी का अमृत महोत्सव G20 भारत 2023 INDIA Awards & Accolades Bank of India Relationship beyond banking Bank of India has been adjudged as the Second Best in Category-l Public Sector Banks for Excellence in Financial Reporting by ICAI for the year ended 31.03.2022 ☐ Bank of India has been awarded with "Best Innovative Bank- Winner" and "Best Bank For Promoting Social Scheme- -Runner Up" in "MSME Banking Excellence Award- 2022" by CIMSME-New Delhi. ☐ Bank has been recognized as "3rd best performing bank in Agriculture Infrastructure Fund Scheme" under Atmanirbhar Scheme, a flagship programme of GOI. ☐ Bank of India has secured "2nd position among all banks( Public and Private) under NPS Diwas Recognition Programme" conferred by PFRDA. ☐ Bank of India has won "Shine & Succeed" award from PFRDA for good performance in APY Campaign. □ Bank of India has secured 3rd rank under Digidhan Mission setup by MeitY (Ministry of Electronics and Information Technology) for promotion of Digital Payments. Visit: www.bankofindia.co.in | Follow us on f חו 117 years of successful journey .... 45#46• • • • TG2 Environmental, Social & Governance (ESG) Practices अमृत महोत्सव भारत 2023 INDIA Environment Credit flow to the companies and individual engaged • in Environment Friendly Sectors. Supporting transition transition to green I technologies viz. providing | concessions for financing electric cars. I of I Various initiatives are taken to reduce scope 1 and scope 2 emissions, viz. installing sensor based lighting at few I places, Installing solar roof top at | some of Bank premises & plan to scale it up. Implemented Green practices such as digitization, re-use of e- waste etc. to conserve resources. | For Corporate Gifting, Practice of I giving small oxygen generating | plant instead of flower bouquet or other gift is introduced. Visit: www.bankofindia.co.in | Follow us on f • O • Social imparting Bank is having RSETIS and Financial Literacy Centres for training for skill development and enabling people to make a respectable living. As per CSR policy of Bank, bank contributes towards relief funds for assistance of people affected by natural calamities. As per CSR policy, bank had taken initiatives for Construction of classrooms / providing school kits for the economically challenged students of the society; providing Ambulances to Hospitals catering to economically challenged sections of the society, rural areas, etc. חו • • • business controls m CORPORATE GOVERNANCE direction market Governance Bank of India Relationship beyond banking Bank is having Board Approved ESG policy in place. Bank is committed to prudent Corporate Governance practices based transparency, on professionalism and accountability. Shareholder Directors are appointed as per the process defined in the "The Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970". Full, fair, accurate, sensible, timely and meaningful disclosures in the periodic reports. Prompt redressal of Investor grievances enhancing stakeholder confidence 117 years of successful journey. ... 46#4775 G2 आज़ादी का अमृत महोत्सव भारत 2023 INDIA Disclaimer Bank of India 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 contained herein, statements in this presentation which contain words or phrases such as “is”, “aims", "will", “would”, “indicating", "expected to", "guidance", "way forward", "expected", "estimate", "objective", "goal", "strategy”, "philosophy", "project" etc. and similar expressions or variations of such expressions may constitute 'forward-looking statements'. These forward-looking statements involve a number of risks, uncertainties and other factors that could cause actual results to differ materially from those suggested by the forward-looking statements. Although forward looking statements, contained in this presentation are based upon what Bank believes are reasonable assumptions but these risks and uncertainties include, dynamic and complex. internal and external environment, including but not limited to market, business, legal risks / changes in law etc., having bearing on bank's ability to successfully implement its strategy, future levels of non-performing loans, its growth and expansion in business, the impact of any acquisitions, the adequacy of its allowance for credit losses, its provisioning policies, technological implementation and changes, the actual growth in demand for banking products and services, investment income, cash flow projections, bank's exposure to market risks as well as other risks. Bank of India undertakes no obligation to update the forward-looking statements to reflect events or circumstances after the date thereof. Note: All financial figures in the presentation are from Audited Financials / Limited Reviewed financials based on Management estimates. Any reliance on such financials by anyone shall be at their own risk / responsibility and bank shall not be liable for any loss/gain to any one in any manner whatsoever. Visit: www.bankofindia.co.in | Follow us on f חו 117 years of successful journey. ........ 47#4875 G24 आज़ादी का अमृत महोत्सव भारत 2023 INDIA THANK YOU! Visit: www.bankofindia.co.in | Follow us on f O חו Bank of India Relationship beyond banking 117 years of successful journey. ..... 48