Relationship beyond banking 1. 3 Awards & AccoladesAwards & Accolades 4

Relationship beyond banking

ANALYST PRESENTATION31st December, 2011

1

BANK OF INDIA


Journey Commenced here - 1906 Corporate Office BKC, Mumbai- 2003

BANK OF INDIAFRONT-RUNNER IN INDIA’S GROWTH STORY


Milestones

1906: Group of eminent businessmen establishes the Bank1946: Opening of London Branch – First-ever Indian bank to open a branch

overseas1950: Opening of Tokyo Branch – First Indian bank to open a branch in Japan1969: Nationalization along with 13 other banks – branch network: Indian: 207 & Foreign: 121989: Established BoI Shareholding Ltd. – a JV with Bombay Stock Exchange (BSE) to manage clearing house of BSE1997: Launched maiden IPO – Government shareholding diluted to 76.53%2003: Ranked as India’s Most Trusted Service Brand consecutively for 3 years

by AC Nielsen ORG-MARG2004: Ranked 25th among India’s Top 500 companies by D & B2007: Surpassed landmark of INR 10 bn in net-profits2008: Surpassed landmark of INR 20 bn in net-profits2009: Surpassed landmark of INR 30 bn in net-profits2010: Surpassed Business Mix of INR 4000 bn2011: Surpassed Business Mix of INR 5000 bn

3


Awards & Accolades

Dun & Brad Street Award for the Best Public Sector Bank Category-2010

The Second PSU Award 2010 by Dalal Street.

The award of the most efficient Public Sector Bank based on the Operating Profit / Total number of employees, Growth in operating profit and Balance Sheet Profit

National Award for Excellence in Lending to Micro & Small Enterprises

Best Education Loan Provider: Outlook Money – NDTV Profit Awards

‘Winner Award’ in the ‘Best Business Enablement Initiative’ Category by IBA

4


Awards & Accolades Secured 92nd place in MTB – an improvement of 54 rankings as compared to previous

year

First major PSU bank to receive ISO 27001:2005 certification for Data Centre &

Disaster Recovery Centre

International Award in Outsourcing – Sponsored by Everest Group &

Forbes at New York, USA

Special Award for Green IT at CIO-100 event for Solar Power

Runners’ Up Award – FE India’s Best Bank Awards

5


New Intiatives

6

The Bank reorganised its structure to a more customer focus institution capable of encashing the emerging oppurtunities. Accordingly, customer focused verticals i.e Large Corporate, Mid Corporate , SME, Retail, Rural etc. established

20 specialized SME Centres, 21 Retail Business Centres and 52 Rural Credit Processing hubs established to provide focused attention and to accelerate credit delivery to the vital segments.

Launched BOI Kisan Sathi to benefit tenant farmers, Launched Jai Jawan Salary plus scheme for defense personnel, Star Suraksha SB plus with free accidental death insurance of ` 50,000

Launched ‘BINGO’ ATM cum Debit card for youths Bank has started process of UID (Unique identification number), ‘Adhar’ in

coordination with UIAI with a target to map 1crore citizens

Launched ‘BTM’ (Banking Through Mobile) to enable remittances and transfers using mobile phone


IT New Intiatives

7

We have installed 43 number of ATMs during the 3Q (Quarter ended 31st December, 2011).


Promoter(GOI), 65.86%FI Investor,

15.23%

FIs/Banks, 0.20%

Insurance Cos, 11.04%

Mutual Funds, 0.62%Corporate

Bodies, 1.04%

NRIs/FII, 0.43%

Indian Public, 5.58%

Dec-11

Promoter(GOI)

FI Investor

FIs/Banks

Insurance Cos

Mutual Funds

Corporate Bodies

NRIs/FII

Indian Public

Investor Profile- Shareholding Pattern (%)

Total Foreign Holding 15.66 %8


Global Footprints – Foreign Branches of the Bank

Japan (Tokyo & Osaka)Phnom Penh

SingaporeJakartaHo Chi Minh

Hong Kong KowloonShenzen

Jo’burgh (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(Representative office)

9

New Zealand(Subsidiary)


Credit Rating - International & Domestic

Rating Agency Rating

International Ratings

• Moody’s Baa2

• S & P BBB-

Domestic

• CRISIL AAA (For Bonds)

• CARE AAA(Is) (Issuer Rating)

• CARE AAA(For Bonds)

• Brickwork Ratings BWR AAA (For Bonds)

• ICRA MAAA (For Term Deposits)


Highlights

• Business touched `5,403,668 Mn ( YoY Growth 21.35%)

• Deposits stood at `3,072,523 Mn (YoY Growth 21.67%)

• CASA at 32.41%

• Advances at `2,331,146 Mn (YoY Growth 20.94%)

• Operating Profit increased from ` 13,888 Mn to `17,319 Mn (YoY Growth 24.69%)

• Net Profit Increased from `6,532 Mn to `7,162Mn (YoY Growth 9.64%)

• Net Interest Margin increased from 2.44% to 2.55% (Sequentially)

• Non Interest Income increased from ` 6,482 Mn to ` 8,522 Mn (YoY Growth 31.48%)

• Gross NPA ratio decreased from 3.02% in Sept 11 to 2.74% in Dec 11

• Net NPA ratio decreased from 1.98% in Sept 11 to 1.78% in Dec 11

• Cost to income ratio reduced from 47.30% in Dec 10 to 40.68% in Dec 11

• ROA improved from 0.56% in Sept 11 to 0.80% in Dec 11

• ROE improved from 12.07% in Sept 11 to 16.97% in Dec 11

11


Major Business Parameters (`/Mn)

12

Quarter ended

Dec-10 Mar -11 Jun -11 Sept -11 Dec -11

Business Mix 4,452,795 5,150,401 5,080,339 5,160,250 5,403,668

Deposits 2,525,257 2,988,858 2,930,984 2,990,741 3,072,523

Advances 1,927,538 2,161,543 2,149,355 2,169,509 2,331,146

Operating Profit 13,888 12,053 13,959 15,515 17,319

Net Profit 6,532 4,936 5,175 4,911 7,162

NIM (%) 3.09 2.94 2.19 2.44 2.55

Gross NPA (%) 2.36 2.23 2.69 3.02 2.74

Net NPA (%) 0.88 0.91 1.27 1.98 1.78

Return on Assets(%) 0.89 0.61 0.59 0.56 0.80

Rtn. on Equity (%) 18.50 13.19 13.13 12.07 16.97

Book Value (INR) 274.78 283.24 292.90 301.87 314.96


0.38 0.46 0.55 0.63

2.152.53 2.45 2.442.53

2.99 2.99 3.07

0.00

1.00

2.00

3.00

4.00

Dec. 10 March 11 Sept.11 Dec. 11

Deposits

Foreign

Indian

Global

Deposits

Domestic Deposits

Y-o-Y Growth : 13.78%

Foreign Deposits

Y-o-Y Growth: 66.44%

Global Deposits


`/ Tn

13


Domestic Deposits (CASA)

692,872731,385 741,675 766,524 785,712

556,665 587,218 588,384635,129 636,062

136,207 144,167 153,291 131,395 149,6500

100,000

200,000

300,000

400,000

500,000

600,000

700,000

800,000

900,000

Dec-10 Mar-11 Jun-11 Sep-11 Dec-11

CASA

SB

CD

`/Mn

14

Savings Bank


CASA


Share of CASA to Aggregate Deposits:

Dec 11-: 32.41%

Sep 11-: 31.64%

Jun 11-: 30.48%


METRO1412.46

58%

URBAN445.03

18%

SEMIURBAN299.59

12%

RURAL286.13

12%

Dec'11

Domestic Deposits – Category-wise `/ Bn

15


0.42 0.51 0.59 0.70

1.511.65 1.58 1.63

1.932.16 2.17

2.33

0.00

0.50

1.00

1.50

2.00

2.50

Dec'10 March'11 Sept. 11 Dec'11

FOREIGN INDIAN GLOBAL

Gross Advances `/ Tn

Domestic

Y-o-Y Growth: 8.18%

Foreign


Global


16


METRO1086.46

67%

URBAN268.0716%

SEMIURBAN130.14

8%

RURAL148.57

9%

Dec 11

Domestic Advances – Category Wise as on 31.12.2011

17

`/ Bn


Key Sectors (Domestic Credits)

Dec-10 Mar-11 Sept. 11 Dec-11 % Y-o-YGrowth

Agriculture 205,400 227,380 196,410 207,799 1.17

SME (Priority & Non Priority)

295,680 300,450 305,240 311,500 5.07

Retail Credit 156,200 166,480 163,950 180,040 15.26

Corporate 851,750 957,160 913,040 933,910 9.65

`/Mn

18


Domestic Credit

Sector Dec-10 Mar-11 Sep-11 Dec-11 % YoYGrowth

Gross advances 1,509,020 1,651,470 1,578,640 1,633,250 8.23%

-Food credit 34,200 33,410 33,090 39,400 15.20%

-Non-food credit 1,474,820 1,618,060 1,545,550 1,593,850 8.07%

Retail credit 156,200 166,480 163,950 180,040 15.26%

-Residential mortgage

75,610 74,780 79,460 85,750 13.41%

-Business Mortgage loans

15,190 14,950 16,330 16,710 10.01%

-Auto Finance 14,620 14,080 14,940 17,810 21.82%

-Educational loan

19,100 19,460 21,340 21,680 13.51%

- Others 31,680 43,210 31,880 38,090 20.23%

19

`/Mn

Relationship beyond banking 20

Sector Wise Breakup (Non Food Credit) ` / Mn

Sector Dec-10 Sep-11 Dec-11 % YoYGrowth

Agriculture 205,400 196,410 207,8001.17%

Industry 602,080 635,020 749,15024.43%

Services 511,150 550,170 456,860-10.62%

-Trade 87,200 98,950 108,37024.28%

-Others 423,950 451,220 348,490-17.80%

Retail Credit 156,200 163,950 180,04015.26%

Total 1,474,830 1,545,550 1,593,850 8.07%


Industry Wise Credit

Industry Dec-10 Sep-11 Dec-11YoY

Growth %

Textiles 63,690 75,420 77,940 22.37%

Chemicals & Chemical products39,240 45,150 46,030 17.30%

Rubber , Plastic & their products16,160 20,360 21,410 32.49%

Basic metal & metal products93,390 113,870 120,800 29.35%

Vehicles , vehicle parts & Transport equipment

23,340 22,750 24,310 4.16%Gems & Jewellery 25,530 30,670 31,470 23.27%Construction 17,730 11,840 9,980 -43.71%Infrastructure 200,980 212,540 254,230 26.50%Other Industries 122,570 155,460 162,980 32.97%

21

` / Mn


Advances to Sensitive Sectors - Domestic ` / Mn

22

SECTORDEC-10 MAR-11 JUN-11 SEPT.-11 DEC-11 % of Total

Advances

Total Advances 1,509,030 1,651,472 1,611,230 1,578,634 1,633,251

REAL ESTATE 194,974 203,623 203,490 205,015 207,017 12.68

Out of which

HOUSING LOAN 75,610 74,783 78,401 79,466 85,756 5.25

MORTGAGE LOAN 15,190 14,950 19,843 17,372 16,709 1.02

COMML. REAL ESTATE 47,013 40,546 38,170 37,297 41,436 2.54

Others(Invest & Indirect) 58,540 73,344 67,076 70,880 63,116 3.86

CAPITAL MARKET 33,044 32,451 34,920 33,896 34,256 2.1


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

Additions during Q2 4,396 455 4,851 2,866 7,717


-6,320 -765 -7,085 -495 -7,580

As on 30.09.2011 81,870 14,500 96,370 14,782 111,152

Additions during Q3 21,947 389 22,336 7,769 30,105


-2,873 -39 -3,912 -608 -4,520

As on 31.12.2011 100,944 14,850 114,794 21,943 136,737

RESTRUCTURED ACCOUNTS Includes all facilities of the borrowers

23

`/Mn


MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS

24

`/Mn

Domestic Foreign Global % of Total Restructured

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


-954 -62 -1,016 - -1,016

As on 30.06.2011 21,430 1,941 23,371 - 23,371 21.04

Additions during Q1 3,271 214 3,485 874 4,359


1,044 15 1,059 - 1,059

As on 30.09.2011 23,657 2,140 25,797 874 26,671 23.20


MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS

25

`/Mn

Domestic Foreign Global % of Total Restructured

A/cs

> 10 Mn < 10Mn Total Amount Amount Amount

As on 30.09.2011 23,657 2,140 25,797 874 26,671 23.20

Additions during Q3 5,139 738 5,877 0 5877 -


-299 - -299 -27 -326 -

As on 31.12.2011 28,497 2,878 31,375 847 32,222 23.39


Sector-wise breakup of restructured accounts (>10 Mn) (Domestic) in Q3 `/Mn

26

SECTOR AMOUNTAgriculture 467.27

Ceramics 437.00Chemicals 110.55Construction 353.11Education 141.24Engineering 5,688.58Entertainment 1,911.50Miscellaneous 135.90Paper 1,134.42Pharmaceuticals 216.80Services 377.74Sugar 587.97Telecom 9,761.96Textiles 22.52Trade 268.35Retail 332.72Grand Total 21,947.63


Restructured A/Cs Slipped (>Rs.10 Mn) –(Domestic)

27

June 10 Sep t. 10 Dec 10 Mar 11 Jun 11 Sept. 11 Dec 11

Number of Accounts slipped during Quarter

6 19 6 13 12 22 4

Amount in INR/Mn

718 2,430 252 972 3,591 3,271 5,139

`/Mn


Sector-wise breakup of restructured accounts Slipped to NPA (>10 Mn) (Domestic)

28

`/Mn

S.No Sector Qtr Dec’10

Qtr Mar’11

Qtr Jun’11

Qtr Sept.’11

Qtr Dec’11

1 AGRICULTURE 18 15 417 48 402 CHEMICALS 0 14 0 0 03 CRE 0 0 0 0 04 ENGINEERING 17 103 723 255 05 INFRASTRUCTURE 0 281 1,869 0 06 MISC 59 58 409 231 07 PAPER & PAPER

PRODUCTS 0 0 0 0 0

8 SERVICES 0 354 0 275 09 STEEL 0 88 96 54 0

10 TEXTILES 0 12 0 1,286 011 TRADING 158 47 77 317 012 CERAMICS 0 0 0 446 013 SUGAR 0 0 0 359 014 Aviation 0 0 0 0 5,112

0 0 0 0 27AGGREGATE 252 972 3,591 3,271 5,139


NPA Movement

Dec-10 ( 9 months) Sept. 11 (Half Year) Dec-11 (9 months)

Indian Foreign Global Indian Foreign Global IndianForeig

n Global

Opening Gross NPA

44,810 4,020 48,830 43,570 4,550 48,120 43,570 4,550 48,120

Total Reduction 20,660 750 21,410 25,300 170 25,470 31,900 200 32,100

Recovery 6,120 220 6,340 5,200 90 5,290 7,890 110 8,000

Upgradation 9,180 170 9,350 2,730 0 2,730 4,000 0 4,000

Write-off 5,360 360 5,720 17,380 80 17,460 20,010 90 20,100

Slippages 17,950 1,180 19,130 42,230 2,830 45,050 46,650 3,600 50,250

NetAddition/Reduction

-2,710 430 -2,280 -16,930 -2,650 -19,580 14,750 3,400 18,150

Gross NPA 42,100 4,440 46,540 60,490 7,210 67,700 58,320 7,950 66,260

Less Unrealised Interest on NPA

1,120 0 1,120 2,210 10 2,220 2,390 10 2,400

Closing Gross NPA

40,980 4,440 45,420 58,280 7,200 65,480 55,920 7,940 63,860

29

`/Mn


Dec-10 Sept. 11 Dec-11

Indian Foreign Global Indian

Foreign Global Indian Foreign Global

Closing Gross NPA 40,982 4,438 45,421 58,283 7,197 65,480 55,924 7,936 63,860

Total Nettable Credits 27,307 3,200 30,507 18,707 4,328 23,035 18,163 4,766 22,929

NPA Provision 19,556 3,185 22,741 12,450 4,266 16,716 11,246 4,714 15,960

Other credits 7,751 15 7,766 6,257 62 6,319 6,917 52 6,969

Net NPA 15,348 1,254 16,603 39,576 2,869 42,445 37,761 3,170 40,931

Gross NPA Ratio (%) 2.72 1.06 2.36 3.69 1.22 3.02 3.42 1.14 2.74

Net NPA Ratio (%) 1.04 0.30 0.88 2.54 0.49 1.98 2.34 0.46 1.78

Provision Coverage Ratio (%)

74.72 71.74 74.52 59.06 60.14 59.13 60.94 60.06 60.87

(`/Mn)

30

NPA Sequential Ratios


Sector wise Breakup of NPA - Domestic ` / Mn

Dec- 10 Sep- 11 Dec- 11 % of Total NPA% of Total Sectoral

Advances

Agriculture6,893 11,960 9,153 16.37 4.78

Industry15,753 24,186 22,595 40.41 3.05

Services12,409 15,785 19,273 34.46 3.54

Personal Loans5,926 6,353 4,900 8.76 3.13

DOMESTIC ( TOTAL) 40,982 58,284 55,923 100 -FOREIGN

4,439 7,197 7,936 - -

GLOBAL (TOTAL) 45,421 65,481 63,859 -

-

31


Overseas NPAs ` / Mn

Dec -10 Sep- 11 Dec-11

TRADE 2,169 3,563 3,476

MANUFACTURING 377 768 1,015

REAL ESTATE 1,229 1,424 1,526

OTHERS 663 1,442 1,919TOTAL 4,438 7,197 7,936

32


Profit – Summary`/Mn

33

Qtr Dec 2010

Qtr Mar 2011

Qtr Jun 2011

Qtr Sept. 2011

Qtr Dec 2011

Variation Y-o-Y (%)

1 Interest Earned 54,675 63,069 66,335 68,864 71,501 30.77

2 Interest Expended 34,806 39,996 47,926 49,825 50,826 46.03

3 Net Interest Income (1 - 2) 19,869 23,073 18,409 19,039 20,675 4.06

4 Non-Interest Income 6,482 8,231 6,601 8,418 8,522 31.47

5 Total Operating Income (3+4) 26,351 31,304 25,010 27,457 29,197 10.80

6 Operating Expenses 12,463 19,251 11,051 11,942 11,878 -4.69

7 Operating Profit (5 - 6) 13,888 12,053 13,959 15,515 17,319 24.70

8 Total Provision 7,356 7,117 8,784 10,604 10,157 38.08

9 Net Profit 6,532 4,936 5,175 4,911 7,162 9.64


Net Interest Income ` / Mn

34

Qtr Dec-10

Qtr Mar-11

Qtr Jun-11

Qtr Sept.-11

Qtr Dec-11

VariationY-o-Y(%)

TOTAL INTEREST INCOME 54,675 63,069 66,335 68,864 71,501 30.77

INT. INCOME FROM ADVANCES 40,234 43,252 45,959 48,865 51,714 28.53

INT. INCOME FROM INVESTMENTS 12,750 14,119 16,406 18,431 18,414 44.42

OTHER INTEREST INCOME 1,691 5,698 3,970 1,568 1,373 -18.80

TOTAL INTEREST EXPENDED 34,806 39,996 47,926 49,825 50,826 46.03

INT. EXPENDED ON DEPOSITS 29,879 35,249 43,837 45,055 44,542 49.07

INT. EXPENDED ON BORRROWINGS 2,473 2,340 1,517 2,099 3,564 44.12

INTEREST EXPENSES ON SUBORDINATED DEBT etc. 2,454 2,408 2,470 2,671 2,721 10.88

NET INTEREST INCOME 19,869 23,073 18,409 19,039 20,675 4.06


Non-interest Income ` / Mn

35

Qtr Dec-10

QtrMar- 11

QtrJun- 11

QtrSep- 11

QtrDec- 11

VariationY-o-Y (%)

Treasury:PROFIT FROM SALE OF SECURITIES

592 1,266 1,097 1,544 712 20.27

PROFIT FROM EXCHANGE TRANSACTIONS1,271 1,334 1,471 1,483 1,239 -2.52

Sub Total (A) 1,863 2,600 2,568 3,027 1,951 4.72

Core-banking Operations:

COMMISSION / EXCHANGE / BROKERAGE 2,838 3,468 2,737 3,258 3,204 12.90

OTHER NON-INTEREST INCOME 1,124 1,244 984 1,257 1,509 34.25

Sub Total (B) 3,962 4,712 3,721 4,515 4,713 18.96

RECOVERY IN WRITTEN OFF ACCOUNTS (C) 658 919 312 876 1,858 182.37

TOTAL NON-INTEREST INCOME (A+B+C)6,483 8,231 6,601 8,418 8,522 31.45


Cost & Yield Ratios –Quarterly Comparison

36

Qtr Dec 10 Qtr Mar 11 Qtr Jun 11 Qtr Sept 11 Qtr Dec 11

INDIAN FOREIGN GLOBAL INDIAN FOREIGN GLOBAL INDIAN FOREIGN GLOBAL INDIAN FOREIGN GLOBAL INDIAN FOREIG

N GLOBAL

Cost of Deposits 5.61 1.28 4.97 6.08 1.15 5.32 6.87 1.17 6.01 7.07 1.24 6.09 7.06 1.35 5.96

Yield on Advances 10.35 3.05 8.78 10.67 2.82 8.81 10.84 2.80 8.89 11.69 2.92 9.41 11.93 3.35 9.45

Yield on Investments 7.93 4.67 7.71 8.27 4.68 8.04 7.50 4.67 7.37 7.95 4.68 7.82 7.89 4.72 7.74

Yield on Funds 8.29 3.30 7.43 8.71 3.21 7.76 8.58 3.16 7.61 9.20 3.22 8.06 9.27 3.49 7.99

Cost of Funds 5.32 1.89 4.73 5.54 1.95 4.92 6.26 1.97 5.50 6.47 2.04 5.60 6.68 2.17 5.68

N.I.M. 3.49 1.45 3.09 3.38 1.24 2.94 2.43 1.22 2.19 2.77 1.20 2.44 2.91 1.38 2.55

Cost and Yield (%)


Business Ratios – Quarterly Comparison

Dec-10 Mar-11 Jun-11 Sept.-11 Dec-11

Cost to Income Ratio 47.30 61.50 44.19 43.49 40.68

Non Interest income to Operating Expenses 52.01 42.76 59.73 70.49 71.74

Asset Utilization Ratio 1.89 1.48 1.60 1.78 1.94

Return on Assets 0.89 0.61 0.59 0.56 0.80

Return on Equity 18.50 13.19 13.13 12.07 16.97

Earnings Per Share (Basic & Diluted) 12.44 9.37 9.47 8.99 13.10

Book value per share 274.78 283.24 292.90 301.87 314.96

Net worth (Rs. in Mn) 144,511 154,995 160,279 165,191 172,352

37


Investments

Sr. No.

Investment Dec-10 Sep- 11 Dec-11 YoYGrowth

%

1 Domestic 672,539 879,865 820,367 21.98

a) SLR 606,244 681,489 661,117 9.05

b) NON- SLR 66,295 198,376 159,250 140.21

2 International 44,740 39,930 45,170 0.96

Total (1+2) 717,279 919,795 865,537 20.67

38

` / Mn


Investments - Domestic `/Mn

39

Dec-10 Dec-11

AFS HTM HFT TOTAL AFS HTM HFT TOTAL

1 SLR INVESTMENTS 140,070 466,124 50 606,244

1,26,859

5,34,055

203

6,61,117

OF WHICH:

GOVERNMENT SECURITIES 138,965 464,061 50 603,076 1,25,44

85,32,82

8203

6,58,479

OTHER APPROVED SECURITIES 1,105 2,063 - 3,168 1,411 1,227 - 2,638

M Duration - AFS 2.33 2.04

2 NON SLR INVESTMENTS 57,522 8,709 64 66,295 1,48,93

9 10,311 - 1,59,250

M Duration 2.15 0.78

TOTAL 197,592 474,833 114 672,539 2,75,798

5,44,366

203

8,20,367


Capital Adequacy –Basel II `/Mn

40

31.12.2010 31.03.2011 30.06.2011 30.09.2011 31.12.2011

Tier I Capital 140,700 170,470 170,550 170,840 171,170

Tier II Capital 78,360 78,670 75,630 76,760 78,980

Total Capital 219,060 249,140 246,180 247,600 250,150

Total Assets 2,991,853 3,511,725 3,459,576 3,514,381 3,645,565

Risk Weighted Assets 1,764,450 2,047,620 2,126,990 2,069,270 2,236,300

CRAR - Tier I (%)7.97 8.33 8.02 8.26 7.65

CRAR - Tier II (%) 4.44 3.84 3.55 3.71 3.53

CRAR (%) 12.41 12.17 11.57 11.97 11.18


1,1561,239 1,265 1,258 1,310

1,464 1,423 1,374 1,406

100011001200130014001500

Dec-09Mar-10 Jun-10 Sep-10 Dec-10Mar-11 Jun-11 Sep-11 Dec-11

Productivity

91 101 101 103 108 128 125 123 1280

100

Dec-09 Jun-10 Dec-10 Jun-11 Dec-11

Business Per Branch

Business Per Employee

`/Mn

41


Way Ahead

• CASA drive to continue• Focus on Asset quality with the formation of specialised Credit

Processing Centres for Large Corporate, Mid Corporate, SME , Retail and Agriculture

• To add over 300 branches and 1000 ATMs • International Operation to contribute significantly to the

business – 3 New Centres to be added i.e. Uganda, Canada & Botswana

42

Relationship beyond banking43

Documents

Relationship beyond banking 1. 3 Awards & AccoladesAwards & Accolades 4