#1BOIX Performance Analysis Q3 FY 2023-24 GLORIOUS 118 YEARS Visit: www.bankofindia.co.in Follow us on f X in * Bank of India Relationship beyond banking E PAY Ο коо BOIX बेटी बचाओ बेटी पढ़ाओ#2Bank of India Hv Table of Contents Key Highlights BOI⭑ 3 x Business Performance 4-15 Financial Performance 16-19 $ Asset Quality Capital & Share Holding Digital Banking, ESG, etc. © 2024 Bank of India. All rights reserved 20-26 27 28 29-40 2#3Key Highlights Performance Highlights - Q3FY24 - YOY Global Business 9.60% до CASA Global Advances Retail Advances Agriculture Advances 5.92 % 11.29 % 15.40 % 14.23% вод Yield on Advances Yield on Investment Gross NPA % BOI⭑ MSME Advances 10.61 % Net NPA % 宜 CRAR Net Profit 70 bps T 18 bps 231 bps 20 bps 46 bps 62% © 2024 Bank of India. All rights reserved 3#4Business Performance ₹. Global Business 6,53,691 5,07,750 11,61,441 7,03,751 12,46,879 5,43,128 7,07,827 BOI⭑ (Amt in Rs. Cr) 12,72,887 5,65,060 31.12.22 ■Global Deposits 30.09.23 ■Global Advances ■Global Business Mix 31.12.23 © 2024 Bank of India. All rights reserved 4#5Business Performance Global Deposits & Advances Domestic & Overseas Deposits 6,53,691 7,03,751 7,07,827 1,04,901 1,08,690 96,984 5,56,707 5,98,850 5,99,137 31.12.22 30.09.23 ■Domestic Overseas 31.12.23 H Hv © 2024 Bank of India. All rights reserved BOI⭑ (Amt in Rs. Cr) Domestic & Overseas Advances 5,65,060 5,07,750 5,43,128 90,048 90,487 81,128 4,26,622 4,52,641 4,75,012 31.12.22 30.09.23 31.12.23 ■Domestic Overseas 5#6Business Performance 9% Domestic Deposit BOI⭑ 31.12.22 46% 45% (Amt in Rs. Cr) Types of Deposits 31.12.22 30.09.23 31.12.23 CASA (Amount) 2,46,718 2,56,956 2,61,335 13% CASA (%) 44.56 43.13 43.88 30.09.23 44% Total Term Deposits 3,06,991 3,38,816 3,34,170 43% Retail Term Deposits (%) 46.01 44.10 44.28 Bulk Deposits (%) 12% 9.43 12.77 11.83 31.12.23 44% 44% CASA TD-Bulk Dep. TD-Retail Dep. © 2024 Bank of India. All rights reserved 6#7Business Performance Composition of Gross Domestic Advances (Amt in Rs. Cr) BOI⭑ Particulars 31.12.22 30.09.23 31.12.23 Growth YoY% Agriculture MSME 70,334 77,226 80,345 14.23% 69,250 73,731 76,600 10.61% Retail 91,371 1,00,260 1,05,445 15.40% D RAM 2,30,955 2,51,217 2,62,390 13.61% Corporate & Others 1,95,667 2,01,424 2,12,622 8.67% Gross Domestic Advances 4,26,622 4,52,641 4,75,012 11.34% RAM Advances (%) 54.14% 55.50% 55.24% © 2024 Bank of India. All rights reserved 7#8Business Performance 12% Retail Loans BOI⭑ 31.12.22 7% 9% 3% 55% 14% (Amt in Rs. Cr) Particulars 31.12.22 30.09.23 31.12.23 Growth YoY (%) Home loans 50,250 53,976 56,255 11.95% Vehicle loans 13,042 14,421 15,642 12% 19.93% 8% Education loans 2,912 30.09.23 3,233 3,351 15.08% 9% 54% 3% Mortgage loans 8,078 8,587 8,896 10.13% 14% Personal loans 6,453 7,818 8,698 34.80% Total Retail Loans 12% 8% 31.12.23 8% 3% 53% 15% Home loans Vehicle loans Education loans Mortgage loans Personal loans Other incl. Staff loans, Loans againt TDR etc Others incl. Staff Loans, 10,636 12,225 12,603 18.49% 91,371 1,00,260 1,05,445 15.40% © 2024 Bank of India. All rights reserved 8#9Business Performance Priority Sector Advances (Amt in Rs. Cr) Regulatory Particulars 31.12.22 30.09.23 Target 31.12.23 ANBC 3,72,302 3,99,803 4,07,346 Priority Sector 1,60,794 1,71,838 1,77,688 % TO ANBC 40.00 43.19 42.98 43.62 Agriculture 70,334 77,226 80,345 STORE % TO ANBC 18.00 18.89 19.32 19.72 Small & Marginal 41,553 Farmers 49,906 51,651 % TO ANBC 10.00 11.16 12.48 12.68 Weaker Section 54,829 62,091 64,443 % TO ANBC 12.00 14.73 15.53 15.82 Micro Enterprises (PS) 41,981 43,550 45,392 % TO ANBC 7.50 11.28 10.89 11.14 © 2024 Bank of India. All rights reserved BOI⭑ 9#10Business Performance Domestic Credit - Sector Wise BOI⭑ (Amt in Rs. Cr) Particulars 31.12.22 30.09.23 31.12.23 Infrastructure 66,221 65,365 63,142 Basic Metal & Metal products 13,586 15,804 16,890 Textiles 7,633 6,469 6,647 Gems & Jewellery 4,025 3,614 3,162 Chemicals & Chemical products 6,413 6,726 7,783 Bank of India Vehicles & Transport equipment 2,765 2,378 2,454 Rubber, Plastic & their products 3,186 3,258 3,295 チ Construction 4,084 4,209 4,199 Direct Exp to Real Estate Sector 58,916 63,572 66,246 - Residential Mortgage* 57,201 61,629 64,286 - CRE 1,715 1,943 1,960 NBFC (Incl. HFCs) 64,005 58,074 64,463 ... * Includes Priority Sector Housing Loans and all other Residential Mortgages © 2024 Bank of India. All rights reserved 10#11Business Performance NBFC Portfolio NBFC Portfolio - Global (Amt in Rs. Cr) NBFC - Rating Distribution BOI⭑ Ratings 31.12.22 31.03.23 30.09.23 31.12.23 6% 11% 8% 6% 3% 2% 2% 3% AAA 49,985 53,969 14% 53,771 57,105 15% 17% 14% AA 9,386 9,549 10,470 13,258 A 2,165 1,932 1,683 1,467 BBB & Below 7,933 4,278 6,054 4,545 72% 77% 75% 75% Total 69,469 69728 71,978 76,375 Total Global NBFC as % of total Global 12.61 12.46 12.17 12.44 Advances 31.12.23 31.03.23 30.09.23 31.12.23 AAA AA ΠΑ BBB & Below © 2024 Bank of India. All rights reserved 11#12Business Performance Domestic Advances - Infrastructure Sector (Amt in Rs. Cr) Particulars 31.12.22 30.09.23 31.12.23 Power 42,721 42,037 39,583 a) SEBs 19,945 17,698 16,084 - Generation 8,673 7,780 7,026 - Transmission 2,756 2,701 2,593 - Distribution 8,516 7,217 6,465 b) PSUs 23,684 26,815 24,339 & Pvt Power Cos Roads and Ports 16,242 16,328 16,352 Telecom 382 359 368 Other Infrastructure 6,876 6,641 6,839 © 2024 Bank of India. All rights reserved BOI⭑ 12#13Business Performance Benchmark wise Distributions of Advances MCLR, 33% Base Rate, 1% EBLR, 48% (Amt in Rs. Cr) Others, 12% Benchmark Rates Standard Advances as on Share (%) 31.12.23 Fixed Rate, 6% 2,500 (Amt in Cr) Base Rate 0.56 1,46,432 MCLR 32.90 2,12,466 EBLR 47.73 28,951 Fixed Rate* 6.50 54,753 Others 12.31 Grand Total 4,45,102 100.00 ₹ * Fixed Rate loans includes Loan against TDR, etc. 2024 Bank of India. All rights reserved BOI⭑ 13#14BOI⭑ External Ratings Distribution of Standard Corporate Advances Bol Business Performance % EXCELLENT = $ 5% 6% 2% 2% 4% 4% 88% 89% 30.09.23 31.12.23 A & above BBB Below BBB Unrated * Domestic Corporate Advances - Above Rs. 50 Cr As on 31.12.23, Investment grade accounts form 93% of our Standard Corporate advances portfolio © 2024 Bank of India. All rights reserved 14#15Business Performance Particulars Domestic Investments As on 30.09.23 As on 31.12.23 (Amt in Rs. Cr) AFS HTM HFT Total AFS HTM HFT Total SLR Investments 32,334 1,28,871 1,684 1,62,889 29,651 1,32,035 1,429 1,63,115 of which 1,63,115 32,334 1,28,871 1,684 1,62,889 29,651 1,32,035 1,429 Govt Securities Non SLR 14,667 29,159 58 43,884 15,137 29,129 11 44,277 Investments M Duration 2.87 2.09 3.13 2.17 Total 47,001 1,58,030 1,742 2,06,773 44,788 1,61,164 1,440 2,07,392 © 2024 Bank of India. All rights reserved BOI⭑ 15#16Financial Performance Net Interest Income (Global) BOI⭑ (Amt in Rs. Cr) QE Particulars QE QE Y-o-Y Dec 22 Sep 23 Dec 23 (%) 9M Dec 22 9M Y-o-Y Dec 23 (%) Interest Income a. Advances 12,728 14,971 15,218 20 34,198 44,548 8,828 10,588 10,986 25 23,927 31,255 ww 30 b. Investments 2,985 3,483 3,502 17 8,647 10,461 21 31 21 c. Money Market Operations & Others 915 900 729 -20 1,624 2,831 74 Interest Expended 7,132 9,231 9,755 37 19,446 27,431 41 a. Deposits 6,042 7,716 8,078 34 17,196 22,856 33 b. Borrowings 911 1,320 1,477 62 1,714 3,985 132 c. Subordinated Bonds & Others 179 195 200 F 11 536 590 10 Net Interest Income 5,596 5,740 5,463 -2 14,752 17,117 16 Net Interest Margin (%) 3.28 3.08 2.85 2.96 2.98 © 2024 Bank of India. All rights reserved 16#17Financial Performance Non Interest Income (Global) BOI⭑ (Amt in Rs. Cr) QE QE QE Y-o-Y 9M 9M Particulars Dec 22 Sep 23 Dec 23 (%) Dec 22 Dec 23 Y-o-Y (%) Commission, Exchange 384 483 & Brokerage 449 17 1,002 Profit from Sale and 115 81 -129 1,287 119 248 29 Revaluation of Investments Profit from Exchange Transactions 243 108 112 -54 851 402 -53 Recovery In W/o accounts 290 495 336 16 883 1,014 15 Profit on Sale to ARC 4 65 5 65 Third Party Commission 50 53 51 2 128 136 6 Other Non Interest Income 345 403 374 8 1,013 1,191 18 Total Non-Interest Income 1,432 1,688 1,193 -17 4,001 4,344 9 © 2024 Bank of India. All rights reserved 17#18Financial Performance Operating Profit and Net Profit (Global) BOI⭑ QE QE QE Y-o-Y 9M 9M Particulars Dec 22 Sep 23 Dec 23 (%) Dec 22 Dec 23 (Amt in Rs. Cr) Y-o-Y (%) Operating Profit 3,652 3,756 3,004 -18 9,209 10,511 14 Provisions for Bad & Doubtful 1,087 678 612 -44 3,056 2067 -32 Standard Assets 806 and others 173 -307 -138 1,980 -23 -101 Dep. on Non-Performing Investment -14 -33 196 77 100 29 Total Provisions before Tax 1,879 818 501 -73 5,113 2,144 -58 Profit before Tax (PBT) 1,773 2,937 2,503 41 4,096 8,368 104 Taxation 622 1,479 633 2 1,424 3,489 145 Net Profit (PAT) 1,151 1,458 1,870 62 2,672 4,879 83 © 2024 Bank of India. All rights reserved 18#19Financial Performance Key Financial Ratios (Global) Particulars QE Dec22 QE Sep23 QE Dec 23 9M Dec 22 9M Dec 23 Yield on Advances (%) 7.67 8.54 8.37 7.17 8.34 Yield on Investments (%) 6.49 6.74 6.67 6.40 6.73 Yield on Funds (%) 6.53 7.38 7.05 5.98 7.03 Cost of Deposits (%) 3.72 4.49 4.62 3.58 4.44 Cost of Funds (%) 3.66 4.55 4.52 3.40 4.33 Net Interest Margin (NIM) (%) 3.28 3.08 2.85 2.96 2.98 - Domestic NIM (%) 3.72 3.42 3.21 3.37 3.35 - Overseas NIM (%) 1.25 1.29 1.15 1.06 1.24 Cost to Income Ratio (%) 48.03 49.44 54.87 50.89 51.02 Credit Deposit Ratio 77.67 77.18 79.83 77.67 79.83 Return on Assets (%) 0.55 0.67 0.82 0.44 0.72 Return on Equity (%) 12.21 12.66 14.96 9.41 13.75 Credit Cost (Annualised) (%) 0.93 0.54 0.46 0.91 0.54 Book Value Per Share (Tangible) (Rs) 94.50 113.28 117.45 94.50 117.45 Book Value Per Share (Rs) 114.77 126.59 128.09 114.17 128.09 © 2024 Bank of India. All rights reserved BOIX 19#20Asset Quality Asset Classification: Global Advances (Amt in Rs. Cr) As on 31.12.23 As on 31.12.22 As on 30.09.23 Sectoral Outstanding Share (%) Outstanding Share (%) Outstanding Share (%) Standard Advances 4,68,865 92.34 5,11,410 94.16 5,34,822 94.65 Gross NPA 38,885 7.66 31,719 5.84 30,237 5.35 - Sub-Standard 4,090 0.81 5,611 1.03 5,615 0.99 - Doubtful 14,832 2.92 14,960 2.75 14,218 2.52 - Loss 19,963 3.93 11,148 2.05 10,404 1.84 Gross Advances 5,07,750 100.00 5,43,128 100.00 5,65,059 100.00 © 2024 Bank of India. All rights reserved BOI⭑ 20#21Asset Quality SMA - Rs. 5 Cr & above SMA Position of Rs. 5.00 crores & above (Amt in Rs. Cr) BOIX 30.06.23 SMA Category 30.09.23 Amount % to Std Adv Amount % to Std Adv Amount 31.12.23 % to Std Adv SMA-0 12,479 2.58% 3,986 0.78% 7093 1.33% SMA-1 603 0.12% 516 0.10% 852 0.16% SMA-2 1,261 0.26% 1,220 0.24% 977 0.18% H Hv Grand Total 14,343 2.97% 5,722 1.12% 8,922 1.67% Hv 30.06.23 Sector / SMA 30.09.23 31.12.23 SMA-0 SMA-1 SMA-2 Total SMA-0 SMA-1 SMA-2 Total SMA-0 SMA-1 SMA-2 Total Agriculture 880 119 182 1,181 701 100 154 954 520 100 159 778 Retail 471 79 64 614 313 72 83 468 126 57 100 282 MSME 3,705 316 489 4,510 2,258 298 522 3,078 1,051 518 572 2,140 Corporate 7,423 88 526 8,037 714 47 461 1,222 5,396 177 147 5,720 Grand Total 12,479 603 1,261 14,342 3,986 516 1,220 5,722 7,093 852 977 8,922 © 2024 Bank of India. All rights reserved 21#22Asset Quality Resolution Framework - Standard Restructuring (Domestic). BOIX Outstanding as on 31.12.23 (Amt in Rs. Cr) Category Total Provision % of Gross Advances Resolution Resolution Framework 1.0 Framework 2.0 One Time Restructuring Retail 340 3,913 425 4,253 MSME 355 1,618 582 226 2,555 1.65% Corporate & Others 388 1,654 110 2,042 Total 1,083 5,531 2,236 8,850 761 © 2024 Bank of India. All rights reserved 22#23Asset Quality Movement of NPA (Global) BOIX (Amt in Rs. Cr) Segment QE Dec 22 QE Sep 23 QE Dec 23 FY23 Opening Balance (Gross NPA) 42,014 34,583 31,719 45,605 Add: - Fresh Slippage 818 1,560 6,861 1,172 - Debits in existing NPA accounts 399 90 1108 141 Total Addition 1,217 1,650 1313 7,969 Less: - Cash Recovery 1,647 1,455 1,248 6,029 - Upgradation 177 183 86 1,204 - Written Off 2,522 2,876 1,461 8,655 Total Reduction 4,346 4,514 2,795 15,888 Closing Balance (Gross NPA) 38,885 31,719 30,237 37,686 Less: Provisions 31,238 23,741 22,610 29,632 Net NPA 7,647 7,978 7,627 8,054 © 2024 Bank of India. All rights reserved 23#24Asset Quality Sector wise breakup of Fresh Slippages BOIX (Amt in Rs. Cr) QE Jun 23 QE Sep 23 QE Dec 23 Sector Gross Net % Share Gross Net % Share Gross Net % Share Retail 747 472 19 465 118 7 455 158 12 Agriculture 1,330 918 36 945 649 39 852 542 41 MSME 1,532 920 36 1,080 573 35 972 528 40 Corporate 373 191 7 218 216 13 103 52 4 Total Domestic 3,982 2,501 98 2,708 1,556 94 2383 1,280 97 Overseas 48 48 2 94 94 6 33 33 3 Total Global 4,030 2,549 100 2,802 1,650 100 2,416 1,313 100 © 2024 Bank of India. All rights reserved 24#25Asset Quality Asset Quality Ratio (Global) (Amt in Rs. Cr) Particulars 31.12.22 30.09.23 31.12.23 Gross NPA 38,885 31,719 30,237 Net NPA 7,646 7,978 7,627 Gross NPA (%) 7.66 5.84 5.35 $ Net NPA (%) ₹ 1.61 1.54 1.41 Provision Coverage (%) 90.27 89.58 89.95 Slippage Ratio (%) 0.27 0.34 0.26 HV Credit Cost (%) 0.93 0.54 0.46 © 2024 Bank of India. All rights reserved BOIX 25#26Asset Quality Summary of NCLT Cases - Domestic (As on 31.12.23) BOIX (Amt in Rs. Cr) Total No of Accounts Provision Provision Particulars Book held Outstanding (%) 2 RBI List -1 1,434 1,434 100% 9 RBI List -2 1,948 1,948 100% 66 Cases filed and admitted in NCLT by our Bank 5,831 5,016 86% 8 Cases under admission in NCLT by our Bank 892 664 75% 215 Cases filed and admitted in NCLT by other Bank 21,437 20,215 94% 6 Cases under admission in NCLT by other Bank 1,130 1,084 96% Total 32,672 30,362 93% 309 Note: NPA Reduction in NCLT Accounts: 2102 Cr in 9M Dec' 23 © 2024 Bank of India. All rights reserved 26#27Capital & Shareholding Capital Adequacy (As on 31.12.23) (Amt in Rs. Cr) Particulars 31.12.22 30.09.23 31.12.23 Capital Adequacy - Basel III CET-1 Capital 43,503 47,824 52,342 Tier I Capital 46,355 50,676 55,194 Tier II Capital 6,769 8,634 8,700 Total Capital (CRAR) 53,124 59,310 63,894 Risk Weighted Assets 3,40,639 3,79,509 3,97,805 CET-1 (%) including CCB 12.77 12.60 Tier 1 (%) 13.61 13.35 13.87 Tier II (%) 1.99 2.28 2.19 Capital Adequacy Basel III (%) 15.60 15.63 16.06 (incl CCB) BOIX Capital Raised Capital Raised during Q3 FY 24 Qualified Institutional Placement 13.16 *4500 Crores 11.12.2023 ₹ © 2024 Bank of India. All rights reserved 27#28Capital & Shareholding Ratings & Shareholding Pattern as on 31.12.23 Domestic Long Term Rating Rating Agency Particulars Shareholding (%) As on 30.09.23 Shareholding (%) As on 31.12.23 BOI⭑ Rating Infomerics AAA (Stable) Government of India 81.41 73.38 CRISIL Ltd. AA+ (Stable) Life Insurance Corp 7.05 ICRA Ltd. AA+ (Stable) Indian Public 5.51 6.57 6.23 India Ratings AA+ (Stable) Others 6.03 13.82 Total 100.00 100.00 CARE Ratings AA+ (Stable) Acuite Ratings AA+ (Positive) + Domestic Short Term Rating Rating Agency CRISIL Ltd. Overseas Rating Others, 13.82% Rating Indian public, 6.23% A1+ Life Insurance Corp., 6.57% Rating Agency Rating BBB- Fitch Rating (Long) / F3 (Short) (Stable) Shareholding as on 31.12.23 © 2024 Bank of India. All rights reserved Promoter (Govt of India), 73.38% % 0000 Hv 28#29Digital Banking Hv Bank of India Digital Banking - Alternate Delivery Channels D Transaction counts (in Cr) 248 221 Total Digital 31.12.22 148 338 313 84 215 199 Total Digital Total Digital Internet banking Users (in lakhs) 87 88 30.09.23 31.12.23 31.12.22 30.09.23 31.12.23 UPI Users (in lakhs) 172 180 Mobile banking Users (in lakhs) 101 91 71 31.12.22 30.09.23 31.12.23 31.12.22 30.09.23 31.12.23 © 2024 Bank of India. All rights reserved 29 BOI⭑#30Digital Banking Digital Initiatives UPI Lite X (Offline - using NFC) A new variant of UPI Lite for transacting in offline mode with "on device wallet" UPI UNIFIED PAYMENTS INTERFACE LITE BOI Mobile Omni Neo Bank An Omni channel digital banking platform BOIX mobile Omni Neo Bank Select THE FASTEST THINGS ON EARTH Cheetah Fighter Jet UPI UNIFIED PAYMENTS INTERFACE LITE Know More About CREDIT CARDS Apply Now Speed of Light UPI LITE Login BOI BOI 6528 6701 2345 6789 RuPay Select 6528 A new Credit Card variant under RuPay Scheme MONTHYEAR 07/26 CARDHOLDER NAME BOIX UPI Based Cash Withdrawal through ATM Facilitate Bank's customers who are live on UPI, to withdraw cash from any participating Banks' ATMs without using their card. 4313 9312 3456 7890 Cordholder Name RuPay VISA Credit Card through e-Platform Credit Card can be on-boarded through Branch and Web channel PLATINUM 77 5900 1234 5678 RuPay 6521 CREDIT RuPay DEBIT © 2024 Bank of India. All rights reserved BOI EarthSmart Debit Card Our revolutionary line of recycled plastic debit cards 30#31Digital Banking Products offered through Digital Platform Digitally Offered Retail Loans Personal Loan Pensioner Loan Vehicle Loan Agriculture Loan Products Gold Loan Kisan Credit Card SHG Loans No of Accounts QE Jun 23 QE Sep 23 QE Dec 23 791 2,433 2330 37 238 648 2,750 188 2886 BOIX 48,814 1,34,199 1,68,761 о 531 7,119 266 1,954 21,962 970 LOAN MSME Loan Products Mudra Shishu 3,086 4,586 3,025 Mudra Kishore 11,425 20,558 15,062 Mudra Tarun 4,388 8,910 7,142 ₹ © 2024 Bank of India. All rights reserved 0000 31#32Other Parameters Overseas Business Operations BOI⭑ (Amt in Rs. Cr) Categories Overseas Branches No of foreign offices as on 31.12.23 Parameters 31.12.22 30.09.23 31.12.23 Deposits 96,984 1,04,901 1,08,690 21 (21) Advances 81,128 90,487 90,047 Overseas 23 Subsidiaries (4) Business Mix 1,78,112 1,95,388 1,98,738 Overseas Joint 1 Total Income 1,260 1,822 Ventures (1) 2,027 Representative Operating Profit 342 281 401 1 Offices IFSC Banking Unit Net Profit 366 155 377 1 (IBU)- GIFT Total No of Foreign Offices 47 Gross NPA Net NPA 3,875 344 327 86 97 97 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 2024 Bank of India. All rights reserved 32#33Other Parameters Overseas Subsidiaries and Joint Ventures BOI⭑ As on 31.12.23 (Amt in Rs. Cr) Subsidiary / Joint Venture Capital Deposits Advances Business Mix Interest Income Operating Profit Net Profit Bank of India (New Zealand) Ltd.* 263 455 775 1,231 41 Bank of India (Tanzania) Ltd. 70 495 368 863 41 Bank of India (Uganda) Ltd. 264 673 436 1,108 65 PT Bank of India Indonesia, Tbk 1,795 1,460 2,008 3,468 142 FER 17 10 0 17 8 34 19 70 24 Indo Zambia Bank (JV) 133 4,065 1,865 5,930 600 317 194 * Provisional Data as on 9 Months ended Dec 23; All Other financials are for 12 Months © 2024 Bank of India. All rights reserved 33#34Other Parameters Domestic Subsidiaries and Joint Ventures BOI⭑ As on 31.12.2023 S No Name of the Company 1 BOI Merchant Bankers Ltd. 2 BOI Shareholding Ltd. Bank of India Investment 3 Managers Pvt. Ltd. Nature of Business Subsidiaries - Domestic Merchant Banking Company Depository Participants activities for NSDL & CDSL Mutual Fund Managers Company Book value (in INR Crores) Percentage Holding 10.00 100.00 6.65 100.00 98.10 100.00 4 Bank of India Trustee Service Pvt. Ltd. Trustee Service to Mutual Fund Co. Associates - Domestic 0.01 100.00 UT 5 STCI Finance Ltd 6 ASREC (India) Ltd. NBFC Asset Reconstruction Company 130.10 29.96 27.60 26.02 Joint Venture - Domestic 7 Star Union Dai Ichi Life Ins. Co. Ltd. Life Insurance Company 132.92 28.96 © 2024 Bank of India. All rights reserved 34#35Other Parameters RRBs Sponsored by Bank of India S No 1 Name of the RRB आयवित ARYAVART ★ बैंक BANK- As on 31.12.23 (Amt in Rs. Cr) Area of operation Business Mix Profit Uttar Pradesh 56,694 16 STORE 2 mp gb Madhya Pradesh 31,772 225 आपका अपना बैंक 3 विदर्भ कोकण ग्रामीण बँक Maharashtra VIDHARBHA KONKAN GRAMIN BANK 9,552 26 © 2024 Bank of India. All rights reserved BOIX 35#36Other Parameters Branch Network & Global Presence Branch Network 31.12.22 30.09.23 31.12.23 Domestic Branches 5,116 5,133 5,139 - Metro 989 992 990 - Urban 820 828 829 - - Semi Urban 1,454 1,456 1,457 - Rural 1,851 1,855 1,861 - Digital Banking Units Overseas Branches Total No. of Branches 2 2 2 Bank of India 21 22 22 5,137 5,155 5,161 © 2024 Bank of India. All rights reserved BOI⭑ H✓ 36#37Other Parameters 279 31.12.22 PMJDY Inclusive Growth - Social Security Schemes 292 289 30.06.23 ■Cumulative Accounts PMSBY 31.12.23 249 250 162 31.12.22 30.09.23 Cumulative Enrollments 31.12.23 PMJJBY BOI⭑ (No in Lakhs) 104 104 84 Bank of India © 2024 Bank of India. All rights reserved 31.12.22 30.09.23 ■Cumulative Enrollments APY 31.12.23 32 30 25 25 31.12.22 30.09.23 ■Cumulative Enrollments 31.12.23 37#38Other Parameters Manpower Optimisation No. of Centralized Units and Staff Human Resource and business ratios Central Processing Unit No. of Units No. of Staff Posted Parameter Amount / No. As on 31.12.23 Zonal Centralised 69 265 Total No. of Employee 51,355 Operations Dept. SME City Centre & 113 897 Female Employees 14,901 SME Urban Centre Retail Business center 139 762 Male Employees 36,454 Star Krishi Vikas Kendra 147 427 Business Per employee Foreign Exchange Back 1 81 2,452 (Rs. lakhs) Office Transaction Monitoring 1 70 & KYC AML Department Profit per employee (Annualised) (Rs. lakhs) 12.53 © 2024 Bank of India. All rights reserved BOI⭑ 38#39Environmental, Social & Governance (ESG) Practices invironmental Strategically aligned with the Government of India's Vision of achieving Net Zero and included 17 sustainable development goals in the Bank's ESG Policy. Started computing Scope I and Scope 2 emissions and disclosing at public domain through ESG Corner on Bank's website. Extended finance for creation of 5468 MW Renewable Energy capacity as at 31st, December, 2023. Launched customised product under Roof top solar Scheme (RTS). During the quarter ending Q3FY24, Bank has discounted 9495 Bills on TreDS platform amounting to more than 3000 Crore. S ocial Committed to Gender Diversity, we have 29.01% representation of women in our workforce. 32,436 SHG's credit linkage and *. 2,003 Crore sanction taking total portfolio in SHG's to 9005 Crore as on Q3 FY24. During the quarter Bank has financed 80,753 street vendors under the PM SVANidhi Scheme, taking total beneficiaries to 5,41,942 with credit outstanding of * 260 Crore as on Q3FY24. Opened 15.52 lacs PMJDY accounts in FY24, taking total number PMJDY accounts to 292 lacs. During FY24, Bank has provided training to 25,890 candidates through Rural Self Employment Training Institutes (RSETIs) with 54% credit linkage. BOI⭑ Jovernance Board Approved ESG policy in place. Committed to prudent Corporate Governance practices based on transparency, professionalism and accountability. Diversified and experienced Board constituting of seasoned Bankers, Lawyers and Chartered Accountants. Capacity Building on ESG and Climate Risk is been actively encouraged by the Bank, across the levels. © 2024 Bank of India. All rights reserved 39#40Disclaimer BOI⭑ "This presentation has been prepared by Bank of India (the "Bank"), solely for general information purposes, not with 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. © 2024 Bank of India. All rights reserved 40#41Thank You BOI Bank of India Hv Visit: www.bankofindia.co.in Follow us on f in Ο Koo о D x O BOIX