1 Relationships beyond banking Welcomes PARTICIPANTS appearing in CAMPUS RECRUITMENT . Bank of India, the bank that cares, not only for its customers and shareholders, but also for its employees. 4 Bank of India Front-runner in India s Growth Story Ranked 25 th among Indias Top 500 companies by Dun & Bradstreet Net Profit of INR bn for ,INR bn for and INR bn surpassed land marks of INR 10 bn, INR 20 bn and INR 30 bn respectively. 2003/ 04 Ranked as Indias most trusted service brand among all nationalized banks, consecutively for three years by AC Nielsen ORG- MARG 1997Maiden public issue in February diluting GOI share to 76.53% 1989 Established BOI Shareholding Ltd, a JV with Stock Exchange Mumbai (BSE) to manage the clearinghouse activities of BSE 1969 Nationalized along with 13 other banks when BOI had 207 branches in India and 12 branches abroad 1950First Indian bank to open a branch in Japan 1906 Founded by a group of businessmen in Mumbai BOIs Established History First Indian bank to open a branch outside India in London 1946 6 BANK OF INDIA ACCOLADES, AWARDS & HIGHLIGHTS * NDTV Profit Business Leadership Awards 2009 Bank of India adjudged the Best Bank in public sector bank category * Bank of India has been rated by Economic Times /The Nielsen company survey The Most Trusted Brands (MTB) 2009 as follows: Under PSU Banking Category 2nd Next TO SBI Under Top Service Brands8th The Debutant first time in the Top 100 In the MTB, Bank of India ranked 92 nd - 54 rankings ahead of last year rankings (146 th Rank during 2008) * Bank of India has won the TOP PUBLIC SECTOR BANK under BEST BANK category and OVERALL BEST BANK in the DUN and BRADSTREET BANKING AWARDS 2009 BANK OF INDIA ACCOLADES, AWARDS & HIGHLIGHTS 7 * Bank of India is the first major public sector bank to receive ISO27001:2005 certification for its Data Centre and Disaster Recovery center" * Bank of India won International Award for Excellence in outsourcing sponsored by Everest Group & Forbes at New York, USA. * Bank of India has won a special Award for green IT at CIO 100 event for solar Power * Bank of India won runners up award in FE Indias Best Bank Awards based on various parameters like Growth, Profitability, Strength and Soundness, recognise the exemplary performance of select banks that withstood the recent economic turmoil to emerge stronger and maximise shareholder value. 8 Global Business Mix reaches INR 3490 bn (US$ 72.55bn) Total assets of INR 2385 bn (US$ 49.58bn) as on Operates 3125 branches which includes 28 branches/offices overseas Market Cap of INR 218 bn (US $ 4.65bn) as on The Bank has headroom of INR Mn (without disinvestment) to raise capital to leverage growth opportunities and strengthen its position as a diversified global bank. The Bank has raised INR Mn in July 2009 and August 2009 through issue of Upper Tier II Bonds International business constitutes ~ 17.43% of the total business 100% business covered under the Core Banking System, spanning over 1920 cities and towns BANK OF INDIA ACCOLADES, AWARDS & HIGHLIGHTS-contd 9 INVESTOR PROFILE/SHARE HOLDING PATTERN (%) June 09Sep09 Promoter(Government of India) 64.47% Foreign Institutional Investors 14.06% 17.25% Financial Institutions/Banks 2.38% 0.37% Insurance Companies 9.03% 9.85% Mutual Funds 1.91% 0.68% Bodies Corporate 1.29% 0.71% NRIs/Foreign Individuals/Nationals 0.50% 0.52% Indian Public 6.36% 6.15% Total % Total Foreign Holding : 17.77% SHAREHOLDING PATTERN OF INSTITUTIONAL INVESTORS (Domestic) as on 30 th September 2009 NO. OF SHARES% OF SHAREHOLDING LIC GIC & its Subsidiaries NATIONALISED BANKS MUTUAL FUNDS ECGC SPECIALISED BRANCHES 11 Corporate Banking Branches 2 Large Corporate Banking Branches 36 Commercial & Personal Banking Branches 04 Hi-Tech Agriculture Branches 50 Small Scale Industries Branches 21 Housing & Personal Banking Branches 07 Overseas Branches 01 Bullion Banking Branches 15 Asset Recovery Branches 01 Treasury Branch 06 NRI Branches 01 Government Business Branch OVERSEAS OPERATIONS Global Presence for last 62 years Bank of India was the FIRST INDIAN BANK to open a Branch outside the country in LONDON in 1946 First to open a Branch in Europe in PARIS in 1974 Foreign Branches actively involved in loan Syndication and Investment market Overseas operations accounts for 17% of total business and 13.5% of global operating profit of the bank as at the end of March 2009. 13 Geographical Distribution of Banks Foreign Branches HONGKONG KOWLOON SHENZHEN BEIJING Singapore JAKARTA. HOCHIMINH Kenya NAIROBI MBASA IAB WESTLANDS France PARIS U K LONDON EAST HAM BIRHAM LEICESTER MANCHTER WEMBLEY GLASGOW Channel Islands JERSEY West Indies CAYMAN ISL U S A N.YORK SFA Japan TOKYO OSAKA BELGIUM ANTWERP JOHANNESBURG Phnom Penh 14 STRATEGIC INVESTMENTS/ALLIANCES/JOINT VENTURES Promoter & the largest share holder of a leading Indian Primary Dealer Securities Trading Corporation of India Limited (STCI). The Bank manages clearing & settlement operation of Bombay Stock Exchange through its subsidiary BOI Share Holding Limited. In India, the bank has strategic investments in: Leading commodity exchange (MCX) Financial intermediaries (CDSL/NCML) Asset Reconstruction company (ASREC) Credit Information Bureau (CIBIL) Acquired P.T. Bank Swadeshi TBK in Indonesia (76% stake) Established 100% subsidiary in Tanzania - BOI (Tanzania) Ltd. Overseas Joint Venture - Indo Zambia Bank Limited Joint Venture Insurance Company with Dai-Ichi Life Insurance Company and Union Bank of India 5 RRBs with 35% stake 15 BOI : International and Domestic Credit Rating Rating Agency Rating Moodys (International) Baa2 Mar07 & Dec08 S & P (International) BBB - Jan07 & Nov08 ICRA (Domestic) LAA ( for IPDI ) CRISIL (Domestic) AAA ( for IPDI ) July 2009 CARE (Domestic) AAA(Is) March 2008 Brickwork Ratings BWR AAA+ Dec08 CARE CARE AAA July09 16 Major Parameters (INR in Mn) Qtr Qtr Qtr Business Mix 2,935,598 3,344,400 3,489,528 Deposits 1,642,4621,897,0851,987,150 Advances 1,293,1361,447,3161,502,377 Net Profit 7,6288,1043,234 Gross NPA % 1.53% 1.71%2.61% Net NPA % 0.48% 0.44%1.08% Return on Avg. Assets 1.58% 1.50%0.55% Return on Equity 31.88% 29.51%10.88% % Growth over Amount Sep 08 Deposits Domestic ( Total Interbank) 1,372,5801,581,2101,642, CASA 444, ,374527, % of CASA to total Domestic Deposits 32%31%32% Foreign 260, ,217288, Customer Deposits 218, ,159223, Global 1,642,4621,897,0851,987, Gross Advances Domestic 1,012,1261,153,5411,182, Foreign 281, , , Global 1,293,1361,447,3161,502, Business Mix (INR in Mn) 18 Profitability Ratios COST AND YIELD (%) Qtr Sep 08Qtr Mar-09Qtr Sep 09 INDIANFOREIGNGLOBALINDIANFOREIGNGLOBALINDIANFOREIGNGLOBAL Cost of Deposits Yield on Advances Yield on Investments Yield on Funds Cost of Funds N.I.M PRODUCTIVITY (INR in Mn) Sep-08Mar-09Sep-09Growth Y-o-Y Business per Branch % Business per Employee % 20 Key Financial Indicators Qtr Sep 08Qtr Sep 09 INDIANFOREIGNGLOBALINDIANFOREIGNGLOBAL Return on Assets (%) Return on Equity(%) Gross NPA(%) Net NPA (%) 21 Sep-08June-09Sep-09% Growth over Sep08 AGRICULTURE140,020160,290164, SME223,880256,300292, RETAIL *198,350170,470152, CORPORATE449,880578,750573, (Inr in Mn) KEY SECTORS(DOMESTIC ) * Negative growth is on account of reclassification of some loans EXPOSURE TO SENSITIVE SECTOR -DOMESTIC (INR In Mn) SECTORJUN-09 SEP-09% of Total Advances Total Advances1,165,3111,182,567 REAL ESTATE 193, , out of which -HOUSING LOAN 66,846 68, RETAIL MORTGAGE 23,328 20, COMML. REAL ESTATE 49,228 45, HOTELS & HOSPITALS 17,807 19, Others(Invest & Indirect) 36,487 36, CAPITAL MARKET 28,887 28, 23 Major Industry-wise Credit (INR In Mn) Sep-08Jun-09Sep-09Growth % Textiles43,950 47,37051, Chemicals & Chemical products31,010 33,230 32, Rubber,Plastic & their products 9,790 10,260 9, Basic metal & metal products53,800 67,810 68, Vehicles,vehicle parts & Transport equipment10,190 15,310 20, Gems & Jewellery24,420 22,440 23, Construction14,290 15,290 14, Infrastructure84,800108,870114, Other Industries36,770 81,480 45, OVERSEAS ADVANCES (INR in Mn) Sep -08Sep-09 TRADE 51,460 40,220 MANUFACTURING 47,020 50,180 REAL ESTATE 11,050 10,580 LOAN AGAINST DEPOSITS 9,470 10,440 STAFF LOANS 50 BUYERS CREDIT 64,720 92,180 OTHERS * 97,170116,160 TOTAL 280, ,810 * Others include Bills Discounted for other banks, Syndication/ECB loans, FCTL etc. 25 DOMESTIC OPERATIONS SOME IMPORTANT ASPECTS Bank has made adequate provisions for terminal benefits, in line with AS 15 requirements. INR Mn estimated and provided during the quarter ended Transitional liability as on determined was INR 6263 Mn which is being amortised over 5 years Bank has also made a provision of INR Mn towards wage revision in Q2 10 26 Quarter ended Quarter ended Earnings per Share (INR) Book Value per Share(INR) SHAREHOLDERS VALUE ENHANCED 27 CAREER PROSPECTS Career progression : Junior Management Grade - Scale I Middle Management Grade Scale II & Scale III Senior Management Grade Scale IV & Scale V Top Executive Grade Scale VI & VII Well structured Promotion Policy Separate Promotion Policy for General Banking Officers and Specialist Officers Excellent career path: An Outstanding Officer in JMG Scale- I can become a General Manager (TEG Scale VII) of the Bank in 17 years. 28 TRAINING & PLACEMENT Training through In-house Training Programmes Premier Training Colleges in India and abroad Bank has a Management Development Institute in Mumbai and 04 other Staff Training Colleges at New Delhi, Kolkata, Bhopal and Chennai Placement of officers is based on their skills, aptitude and requirements of the Bank. 29 POSTINGS AT FOREIGN BRANCHES A unique opportunity for placement at Foreign Branches as we are one of the few Indian Banks having wide international presence. Well structured policy for placement at Foreign Branches and Representative Offices Outstanding officers have plenty of opportunities for posting at Foreign Branches. 30 SALARY AND PERQUISITES Approx. Gross Monthly Salary ( incl. DA/ HRA and CCA) of officers at the starting point in Scale I for Agricultural Officer at a Metropolitan centre is presently as under Gross Salary : Rs. 18,550/- p.m. Perquisites by way of reimbursement: Rs. 3,225/- (approx.) p.m. Notional Value of Other Benefits :Rs. 11,000/- (approx.) p.m. (Medical Aid/PL/LFC/Rent etc.) TOTAL:Rs. 32,775/- (approx.) p.m. ============= 31 Allowances and Perquisites ( as applicable) : Increments for successful completion CAIIB exam. Reimbursement of Expenses on Newspaper Reimbursement of Expenses for travel on duty Chauffer driven car from Assistant General Manager and onwards Reimbursement of expenses on Petrol on monthly consolidated basis on declaration 32 Liberal Medical Benefits for family and Self Leave Travel Concession for family and Self. Residential accommodation under Subsidised Housing Scheme or House Rent Allowances as applicable Encashment of Privilege Leave at the time of availing Leave Travel Concession facility. Pension and Gratuity Preferential rate of interest on Deposits. 33 Confirmed Officers are entitled to the following Loans and Advances on concessional rate of Interest. Staff Vehicle Loan Two Wheeler and Four Wheeler Staff Overdraft Facility Staff Housing Loan for Construction and Renovation Interest Free Festival Advance Other Personal loan schemes available to public. ( Other eligibility criteria as per respective schemes) Loans and Advances 34 What others say about us :- BANK OF INDIA is adjudged The Best Public Sector Bank and overall Best Bank of the country by (a) Dun and Bradstreet (b) BT KPMG Study (c) The Business World Banking Survey (d) NDTV Profit 35 Looking Ahead - Business Plans BoI estimates a global Business Mix of INR. 4,000 bn for Low cost CASA deposits Focus area (Growth from 31% to 35% share of Total Deposits The Bank strives for continued growth of fee based income - min. growth of 25% over last year NPA Management and monitoring of restructured a/cs a priority area Branch expansion in potential growth areas 150 branches to be opened in , 500 ATMs to be added during the year. Bank has already opened 76 branches and 66 ATMs upto September 09. Increased international presence planned in Canada, New Zealand etc. Accelerated addition to customer base segmentation taken root New a/c s added 2.2 Mn, target for 6 Mn. Enhanced Fee growth in Retail segment through Insurance products, DP & On-line Trading Corporate segment to aid fee income through greater share in LC/Guarantee, Syndication activity etc. 36 For any enquiry, please contact - The General Manager (HR), Bank of India, Head Office, Human Resources Dept., Recruitment Division Star House, Plot C-5, G Block, Bandra-Kurla Complex, Bandra(E), Mumbai Website : www. bankofindia.co.in 37 Thank You Come, let us grow together!