Download - BOI AnalystPresentationJune11
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Awards & Accolades
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Awards & Accolades
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New Intiatives
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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 (%)
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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
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New Zealand
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Credit Rating - International & Domestic
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Major Business Parameters
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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
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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
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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
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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)
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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)
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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
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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
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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%
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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
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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
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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
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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
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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
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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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R l ti hi b d b ki