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1 _ fm- V.5+1, p 1l ( V-(71 : (022) th-tit : (022) v) el : headoffice.share@bankofindia.coin 4- Rank of INVESTOR RELATIONS CELL HEAD OFFICE : Star House, C-5, "G" Block, 8th Floor (East Wing), - Complex, (East) Phone : (022) Fax : (022) Ref No.:HO:IRC:RB: :85 Date: The Vice President Listing Department, National Stock Exchange of India Ltd., Exchange Plaza, Bandra Kurla Complex, Bandra East, Mumbai The Vice-President Listing Department, BSE Ltd., 25, P.J. Towers, Dalal Street, Mumbai Dear Sir/Madam, Press Release and Presentation to Analyst In compliance of Regulation 46 (2) of the SEBI (Listing Obligation and Disclosure Requirements) Regulations, 2015, we are attaching the copies of Press Release and Presentation made to Analysts in respect of Financial Results for the Quarter and Year ended 31st March This is for your information and appropriate dissemination. Thanking you, Yours faithfully,.: As Above. ( ) Company Investor

2 PRESS RELEASE BANK OF INDIA ANNOUNCES MARCH 2018 (Q4 & FY ) FINANCIAL RESULTS Bank of India announced its audited results for the Q4 and FY , following approval by its Board of Directors on May 28, BUSINESS: Global Business of the Bank stood at Rs.8,96,850 crore as on March 31, 2018 against Rs.933,820 crore as on March 31, The de-growth in business level has been as a result of conscious decision of the Bank to rationalise its overseas exposure. The ratio of CASA has improved from 39.84% in March, 2017 to 41.43% in March, The CASA level has improved from Rs.1,66,608 crore in March, 2017 to Rs. 172,787 crore in March, 2018 as a result of various initiatives taken by the Bank. The Gross Advances stood at Rs. 3,75,995 crore as on March 31, 2018 against Rs.3,93,788 crore as on March 31,2017. The decline in advances was because of rebalancing of exposure in overseas operation. The domestic advances increased from Rs.2,85,725 crore as on March 31, 2017 to Rs.2,93,500 crore as on March 31, The Bank resorted to IBPC placement of Rs crore out of its total domestic advances. Including the same, the Bank s domestic advances increased by Rs.12,606 crore or 4.41%. The RAM Advances (Retail, Agriculture and MSME) increased from Rs.1,37,156 crore as on March 31,2017 to Rs.1,50,924 crore as on March 31, 2018 and its share in Advances increased from 48.00% in March 2017 to 51.42% in March Retail Advances posted a 19.25% growth to reach Rs.47,817 crore. Priority Sector advances stood at Rs.1,21,691 crore which constitutes 40.80% of ANBC. Agriculture advances were Rs.51,938 crore forming 18.58% of ANBC. Both the sectoral advances were above the regulatory requirement. ASSET QUALITY: The Gross NPA ratio improved from 16.93% in December, 2017 to 16.58% in March Similarly, the net NPA ratio declined from 10.29% in December, 2017 to 8.26% in March, 2018, thanks to sizeable sequential improvement in PCR. Head office: Star House, C-5, G Block, Bandra-Kurla Complex, Bandra (East), Mumbai Website: Page 1 of 4

3 The Bank successfully recovered Rs. 9,239 crore out of Rs.9,766 crore assets marked as NPAs on account of divergence mandated by RBI. However, as a result of RBI directive dated , the Bank had to categorize Rs. 5,107 crore restructured advances as NPAs. Notwithstanding that, the Gross NPAs declined from Rs.64,249 crore in December, 2017 to Rs.62,328 crore in March, 2018 and Gross NPA ratio improved from 16.93% in December, 2017 to 16.58% in March Similarly, the Net NPAs reduced from Rs.36,117 crore in December,2017 to Rs.28,207 crore in March,2018 and net NPA ratio improved from 10.29% in December, 2017 to 8.26%. Provision Coverage Ratio improved from 56.96% in December 2017 to 65.85% in March Total Global Restructured Standard Assets of the Bank came down both on y- o-y basis as well as sequentially. From Rs.11,448 crore in March, 2017 and Rs. 10,633 crore in December, 2017, it has come down to Rs.7,630 crore in March, PROFIT Q4 FY : The Bank s Operating Profit stood at Rs.1,172 crore for Q as against Rs.3,127 crore for Q4- FY The Bank s operating profits have been impacted by decline in interest income because of rise in NPAs as well as fall in treasury income with respect to last year. The Bank s Net Profit stood at (-) Rs. 3,969 crore in Q4 FY as against (-) Rs. 1,046 crore during Q The decline in Net profit was due to provisioning for bad debts as well as for treasury (MTM) losses. The Non-interest Income of the Bank increased sequentially from Rs.1,041 crore in December, 2017 to Rs.1,375 crore in March, 2018, supported by profit from exchange transactions and recovery in written-off accounts. On y- o-y basis, however, there has been decline in non-interest income which stood at Rs.1,754 crore during Q4 of FY , due to fall in the treasury income because of rising yield during the current year. The NIM (Global) of the Bank has come down from 2.39% in Q4 FY to 1.65% in Q4 FY on account of lower yield which was due to increase in NPAs. The Cost of Deposits (global) came down from 4.77% in Q4 FY 2017 to 4.58% in Q4-FY 2018 and the Cost of funds came down from 4.53% to 4.43% during the same period. Particularly, the domestic cost of deposits has been brought down from 5.81% to 5.31% through various measures, including organizing special campaign for CASA mobilisation and shedding of high cost deposits. Head office: Star House, C-5, G Block, Bandra-Kurla Complex, Bandra (East), Mumbai Website: Page 2 of 4

4 PROFIT FY : The Bank s Operating Profit stood at Rs.7,139 crore for FY as against Rs.9,733 crore for FY The decline in Net Interest Income because of dual impact of reduction in MCLR and increase in NPA level along with fall in non-interest income (because of lower treasury income) have adversely impacted the operating profits level. The Bank s Net Profit stood at (-) Rs. 6,044 crore in FY as against (-) Rs.1,558 crore in FY The Non-Interest Income of the Bank stood at Rs.5,734 crore for FY against Rs.6,772 crore in FY On y-o-y basis, there was decline in non-interest income by Rs.1,039 crore (-15%). As indicated earlier, the noninterest income has been impacted by fall in treasury income because of rise in G-sec yield. Barring this, there has been increase in all other components of non-interest income. The income from forex exchange transaction has increased by 19.0% and income from recovery written off a/c has increased by 60.0%. The Cost of Deposits (global) came down from 4.84% in FY 2017 to 4.58% in FY The domestic cost of deposits has been brought down from 6.04% in March, 2017 to 5.52% in March,2018 and cost of funds has been curtailed from 5.48% to 5.09% during the same period. CAPITAL ADEQUACY: The CRAR (Basel III) improved to 12.94% in March 31, 2018 against 12.05% in December, 2017 and 12.14% in March, The Tier-I Capital stood at 9.73% and CET-1 ratio at 7.87%, which are also higher than the corresponding capital ratios for December,2017 and March, INITIATIVES During the current year the Bank has implemented various initiatives for a Prompt Turn Around. A few of them are mentioned as under: Concept of Area Managers and Star Prime implemented for being more customer focused and for business development, recovery, digitization at ground level and re-activation of branches. Monthly Campaign called Ghar Ghar Dastak being organized every month for speeding up CASA, NPA Recovery and Credit disbursement. Special CASA campaigns Amantran organized with special focus on Government, Business Associates, HNIs & NRIs Strategy for re-balancing of portfolio in favour of RAM advances (Retail, Agriculture and MSME) and reducing exposure to Corporate sector. Head office: Star House, C-5, G Block, Bandra-Kurla Complex, Bandra (East), Mumbai Website: Page 3 of 4

5 A non-discriminatory OTS Scheme called Mission Samaadhan formulated for quick resolution of NPAs Refurbishing select branches as Star Digi branches with high end digitalized services for tech savvy customers. IT initiative Star Mahashakti being implemented for taking the Bank s technological capability to next level Focus on Digitisation and Alternate Delivery Channels such as internet Banking, Debit and Credit Cards, POS machines One of the premier Banks in implementing concept of Digital Village. Till now 2505 villages converted into digital villages. Activation of 731 Growth Centers through Business Correspondents (BCs) called - Star Points for expanding our outreach. AWARDS: Bank of India ranked as the 2 nd Most Trusted Bank in the PSU Bank category by Economic Times. Bank of India has been conferred Market Achievers Award in Currency Derivatives Segment amongst Public Sector Banks by NSE. Bank of India awarded as Best Performer in Currency Derivative Segment amongst all Banks Category by BSE. IDRBT Banking Technology Excellence Award, Best Bank for Managing IT Ecosystem, large Bank category. IDRBT Banking Technology Excellence Award, Best Bank for Electronic Payments, large bank category. Bank of India awarded for Best Corporate Social Practices: Promoting Employment for Physically Challenged and also for Support and improvement in Quality of Education from ET NOW- WORLD CSR DAY Award. Bank of India awarded as The Most Efficient Bank in Kenya by Think Business Banking Award Bank of India-Uganda Subsidiary awarded for Best Company Keeping Image High Award 2018 from Indian Business Forum, Uganda. Bank s In-House Journal Taarangan conferred with Prestigious ABCI Magazine of the Year Award 2017 at Mumbai 28 th May, 2018 Mumbai Head office: Star House, C-5, G Block, Bandra-Kurla Complex, Bandra (East), Mumbai Website: Page 4 of 4

6 Performance During Q4 : FY17-18 * ENABLING THE STAR TO SHINE *

7 PERFORMANCE AT A GLANCE Q4 FY18 Parameter Rs. Crore Y-o-Y (%) Growth Business 896, Total Deposits 520, Gross Advances 375, CASA Deposits 172, Priority Sector Advances 121, MSME Advances 54, Retail Advances 47, Net Profit

8 Cont. PERFORMANCE AT A GLANCE Ratios for Q4 FY18 Parameter ( In % ) Gross NPA % ( Rs cr) (16.93 % in Dec-17 ) Net NPA 8.26% (Rs cr) (10.29 % in Dec-17 ) Provision Coverage Ratio % (56.96 % in Dec-17 ) Total Stressed Assets Ratio (GNPA+STD Restructured/Gross Adv. X 100) 18.61% (19.73 % in Dec-17 ) 3

9 Business (Q-o-Q)-Sequential Business Mix (Deposits + Advances) Mar 17 June 17 Sep17 Dec 17 Mar 18 Variation (%) over Mar 17 Dec 17 (`.in Crores) Global Business 933, , , , , Domestic 709, , , , , Foreign 224, , , , , Global Deposits 540, , , , , Domestic 423, , , , , Foreign 116, , , ,037 99, Global Advances (Gross ) 393, , , , , Domestic 285, , , , , Foreign 108, , ,502 98,868 82, The de-growth in total business level has been as a result of conscious decision of the Bank for Consolidation, Cleansing of books and for Conservation of Capital. 4

10 CASA Profile CASA - Domestic 166, , , ,787 CASA Ratio:41.43 % CASA Y-o-Y Growth: 3.71 % Current Deposit Y-o-Y Growth:8.86 % Savings Deposit Y-o-Y Growth:2.86 % Mar. 17 Sep. 17 Dec. 17 Mar. 18 Current Deposits 25, ,111 Saving Deposits 141, , ,208 23,498 24,041 21,101 Mar.17 Sep.17 Dec.17 Mar.18 Mar.17 Sep.17 Dec.17 Mar.18 5

11 Key Sectors Domestic Credit (` in Crores) Industry Mar 17 June 17 Sep 17 Dec17 Mar 18 Y-O-Y Growth % % to Domestic Credit Mar 17 Mar 18 Agriculture* 45,972 46,420 47,525 47,519 48, MSME (Priority & Non- Priority) 51,086 50,277 52,606 53,141 54, Retail 40,098 41,414 42,869 45,317 47, RAM 137, , , , , Corporate & Others 148, , , , , Total 285, , , , , *Excluding RIDF 6

12 Retail Credit Particulars Mar 17 June 17 Sep 17 Dec17 Mar 18 Y-O-Y Growth % (` in Crores) %age to Retail Credit Mar 17 Mar 18 Home 22,248 23,213 23,878 24,897 26, Mortgage 5,617 5,903 6,291 6,840 6, Auto 3,495 3,648 3,875 4,203 4, Education 3,121 3,129 3,187 3,398 3, Personal 1,252 1,319 1,385 1,480 1, Others 4,365 4,202 4,253 4,499 4, Total 40,098 41,414 42,869 45,317 47,

13 Priority Sector Advances Industry Mar 17 Jun 17 Sep 17 Dec 17 Mar 18 Y-O-Y Growth % % to Average ANBC FY (Rs ) Agriculture* 54,303 54,542 53,387 51,266 51, * Out of which, S&MF 23,726 24,167 24,034 23,904 23,858 MSME 42,768 42,466 44,088 44,942 51, * 8.45 Out of which, Micro 18,964 18,908 20,905 21,834 24, Housing Loan 11,584 12,256 12,660 12,999 13, Educational Loan 3,188 3,199 3,368 3,280 3, Others 1,185 1,172 1,074 1,124 1, Total Priority Sector Advances $ 1,13,027 1,13,635 1,14,577 1,13,611 1,21, * *Growth excluding RIDF/IBPC- Total Priority Sector 13.56%, Agriculture 6.20% and SF & MF 8.16%. Outstanding level of RIDF were reduced due to repayments and outstanding under IBPC has become zero. Including RIDF amounting of Rs cr ( out of which, NABARD-Rs cr, SIDBI-Rs.1332 cr and NHB-Rs cr) and IBPC Agriculture- Rs. NIL crore (out of which IBPC SF & MF-Rs. NIL crore). 8

14 Domestic Credit Industry-wise Particulars Mar 17 June 17 Sep 17 Dec 17 Mar 18 Y-O-Y Growth % % to Domestic Advances Infrastructure 45,975 45,842 46,040 45,135 47, Basic Metal & Metal products 14,414 14,134 14,259 16,168 15, Textiles 9,952 9,771 9,850 9,588 9, Gems & Jewellery 5,845 5,705 5,973 5,611 5, Chemicals & Chemical products 5,455 5,528 5,509 5,632 5, Vehicles, vehicle parts & Transport equipment Rubber, Plastic & their products 3,161 3,228 3,020 3,038 3, ,323 2,155 2,256 2,118 2, Construction 1,123 1,111 1,155 1,327 2, Other Industries 27,834 28,376 24,674 26,908 30, Total 116, , , , ,

15 Advances - Infrastructure Sectors Particulars Mar. 17 June 17 Sep. 17 Dec. 17 Mar 18 Y-O-Y ( % ) Power 30,206 30,741 30,395 28,800 30, a) SEBs* 9,800 12,003 11,693 11,415 11, b) Others 20,406 18,738 18,702 17,385 19, Roads and Ports 11,360 10,354 10,369 11,035 11, Telecom # Other Infrastructure 4,729 4,699 5,817 5,841 5, Total 47,161 46,450 47,234 46,329 48, *O/S in Distribution Companies & SEB also includes outstanding in Bonds of Rs.1049 crore as on # O/S under Telecom excludes the outstanding under Telecom Services with outstanding of Rs crores as on

16 Restructured Assets Period Domestic Foreign Global Up to March, , ,622 FY , ,013 FY ,538-1,538 FY ( Q1 ) FY ( Q2 ) FY ( Q3 ) FY ( Q4 ) FY ( Q1 ) FY ( Q2 ) FY ( Q3 ) FY ( Q4 ) TOTAL RESTRUCTURED PORTFOLIO 24,670 1,398 26,068 Of Which a) Standard 7, ,630 b) NPA 17,161 1,277 18,438 11

17 Standard Restructured Advances - Sequential Item Mar 17 June 17 Sep 17 Dec 17 Mar 18 CDR Restructuring 1, Domestic 1, Foreign Other Restructuring 10,204 10,786 10,949 10,153 7,267 Domestic 10,128 10,550 10,711 10,086 7,199 Foreign Total 11,448 (2.91%) 11,679 (2.99%) 11,819 (3.03%) 10,633 (2.80%) 7,630 (2.03%) Domestic 11,189 11,367 11,504 10,514 7,509 Foreign Figures in ( ) represents % to Gross Advances 12

18 Sector wise breakup of Standard Restructured Advances (Domestic) Sector Mar 17 Mar 18 INFRA 5,015 2,433 INFRA-POWER 4,013 1,895 INFRA-TELECOM INFRA-ROADS & PORTS INFRA-OTHERS AVIATION ,088 TEXTILES STEEL ENGG SUGAR PHARMA AUTOMOBILES CRE EDUCATION SERVICES FOOD PROCESSING 14 3 HOTELS PAPER CEMENT AGRICULTURE CERAMICS 10 2 RUBBER & PLASTIC CHEMICALS 6 14 OTHER METAL MISC 2,036 1,820 TOTAL 11,189 7,509 13

19 Movement in Restructured Portfolio as on (Domestic) Restructured Portfolio FY (Full Year) FY (Full Year) STD NPA TOTAL STD NPA TOTAL Restructured as at April 1 12,520 15,337 27,857 11,189 15,254 26,443 Fresh Restructuring during the quarter Accounts slipped during the quarter ,948 3,948 0 Closed during FY** 1, , ,878 2,239 Change in outstanding Upgraded during the quarter 1,514-1, Restructured as at Mar ,189 15,254 26,443 7,509 17,161 24,670 ** Includes accounts Sold to ARC/ Total restructured dues paid off, Restructured loan facility paid off.i.e. only CC facility remains. 14

20 Flexible Structuring under 5/25 and SDR Schemes as on Bank has approved flexible structuring in 21 projects under 5/25 Flexible Structuring Scheme. Flexible structuring has been implemented in 17 accounts with outstanding of Rs.5,772 crores as on Total number of SDR cases identified are in 45 accounts. 39 accounts have been approved and 6 cases declined. Out of the approved cases, SDR could be partially implemented in 4 accounts (Our Exposure Rs. 932 crores) S4A Approved in 22 accounts with BOI exposure of Rs.3,995 crores and implemented in 8 accounts with exposure of Rs.1,055 Crores. Flexible structuring, SDR, S4A schemes have been withdrawn by RBI w.e.f

21 Asset Quality Sequential (Global) Item Mar 17 June 17 Sep 17 Dec 17 Mar 18 Gross NPA 52,045 51,019 49,307 64,249 62,328 Net NPA 25,305 24,407 23,566 36,117 28,207 Gross NPA % Net NPA % Provision Coverage Ratio %

22 Movement of NPA Global (Y-o-Y) Item Mar 2017 FY Mar 2018 FY Opening Balance 49,879 52,045 Less : Recovery 4,598 4,039 Upgradation 6,297 2,213 Write Off 7,260 9,045 Total reduction 18,155 15,296 Add : Slippages 20,321 25,580 Closing Balance 52,045 62,328 17

23 Movement of NPA Global (Q-o-Q) Item Mar 2017 Q4 June 2017 Q1 Sep 2017 Q2 Dec 2017 Q3 Mar 2018 Q4 Opening Balance 51,781 52,045 51,019 49,307 64,249 Less : Recovery 1,597 1, ,178 11,417 Upgradation 1,071 1, ,539 Write Off 3,983 2,324 2,787 2,044 1,938 Total reduction 6,651 5,063 3,853 3,387 14,894 Add : Slippages 6,915 4,037 2,141 18,329 12,973 Closing Balance 52,045 51,019 49,307 64,249 62,328 18

24 Break up of Gross NPA Particulars Mar - 17 June-17 Sep 17 Dec 17 Mar 18 %age to Domestic Credit Mar 17 Mar 18 Large Corporate 21,041 19,161 17,608 20,615 26, Mid Corporate 9,699 7,953 7,606 8,114 9, SME 6,686 8,563 8,391 8,463 8, AGRICULTURE 3,816 4,539 4,873 5,094 5, RETAIL 1,483 1,308 1,193 1,188 1, TOTAL (DOMESTIC) 42,725 41,524 39,671 43,474 51, Total (Overseas) 9,320 9,495 9,636 20,775 11, Total (Global) 52,045 51,019 49,307 64,249 62,

25 Sector wise NPA Domestic Sector Mar.17 Dec 17 Mar 18 % to Sectoral Advances Mar 17 Mar 18 Agriculture 3,816 5,094 5, Industry 28,650 27,821 34, Services 8,775 9,371 10, Retail 1,484 1,188 1, Total 42,725 43,474 51, Overseas Sector Mar 17 Dec 17 Mar 18 % to Sectoral Advances Mar 17 Mar 18 Trade 1,530 1,655 1, Manufacturing 2,350 2,534 2, Real Estate Others 5,148 16,299 6, Total 9,320 20,775 11,

26 WILFUL DEFAULTERS AND SUIT FILED ACCOUNTS SUIT FILED & DECREED ACCOUNTS Number of Accounts Amount Of which Rs. 5 Crores & above Recovery FY Recovery (Q1) FY Recovery (Q2) FY Recovery (Q3) FY Recovery (Q4) FY Recovery Full year FY No. of Accounts Amount SUIT FILED DECREED SARFAESI* NCLT * Above Rs.10 Lacs WILFUL DEFAULTERS /NCLT Total No. of Cases Suit Filed FIR Filed SARFAESI Action Initiated NCLT Number Amount Number Amount Number Amount Number Amount Number Amount

27 Investments (Domestic) Mar 17 Mar 18 Particulars AFS HTM HFT TOTAL AFS HTM HFT Total 1. SLR Investments Of Which: Government Securities Other Approved Securities 30,613 80, ,951 31,659 80, ,030 30,613 80, ,951 31,659 80, , M Duration Non SLR Investments 11,512 2, ,528 14,631 9, ,650 M Duration Total 42,125 82, ,479 46,290 89, ,680 22

28 Net Interest Income Global (Quarter ended ) Particulars Quarter ended Mar 17 June 17 Sep 17 Dec 17 Mar 18 Variation (%) over Mar 17 Dec 17 Interest Income 10,582 9,496 9,894 9,335 9, a. From Advances 6,764 6,349 6,696 6,331 5, b. From Investments 2,482 2,208 2,240 2,290 2, c. From Money Market Operations & Others 1, , Interest Expended 7,113 6,963 6,986 6,834 6, a. On Deposits 6,295 6,252 6,227 5,918 5, b. On Borrowings c. Subordinated Bonds & Others Net Interest Income 3,469 2,533 2,908 2,501 2,

29 Non-Interest Income Global (Quarter ended ) Particulars Quarter ended Mar.17 June 17 Sep 17 Dec 17 Mar 18 Variation (%) over Mar 17 Dec 17 Commission, Exchange & Brokerage Profit from Sale of Investments Profit from Exchange Transactions Recovery In W/o accounts Other Non Interest Income Total Non-Interest Income ,754 1,611 1,707 1,041 1,

30 Profitability -Global (Quarter ended ) Particulars Quarter ended Mar.17 June 17 Sep. 17 Dec 17 Mar 18 Variation (%) over Mar 17 Dec Total Income 12,336 11,107 11, , a. Interest Income 10,582 9,496 9, , b. Non Interest Income 1,754 1,611 1, , Total Expenditure 9,208 8,727 9, , a. Interest expended 7,113 6,963 6, , b. Operating Expenses 3.Net Interest Income (NII) 2,095 1,764 2, , ,469 2,533 2, , Operating Profit 3,128 2,380 2, , Net Profit / Loss -1,

31 Provisions -Global (Quarter ended ) Quarter ended Particulars Mar.17 June 17 Sep. 17 Dec 17 Mar 18 Operating Profit 3,127 2,380 2,233 1, Provisions for B&D 4,484 2,156 1,867 4, Standard Assets NPV / Others Depreciation on Investment Total Provisions before Tax 4,736 2,246 1,953 4, Taxation , Net Profit /Loss -1, ,

32 Key Financial Ratios - Global (Q-o-Q) Mar 17 June 17 Sep 17 Dec 17 Mar 18 Particulars Global Global Global Global Global Cost of Deposits Yield on Advances Yield on Investments NIM Cost to Income Ratio 2.39 ( 2.20 FY 2017) (47.67 FY2017) (1.92 FY2018) (56.04 FY2018) Provision Coverage Ratio Credit Cost (Prov for B & D / Average Net Advances ) 4.94 (3.22 FY2017) (4.27 FY 2018) 27

33 Capital Adequacy Basel-III Particulars Mar 17 Dec 17 Benchmark of CRAR (%) for Mar 18 Mar 18 Capital Adequacy - Basel III CET1 Capital 24,858 24,047 24,993 AT1 Capital 6,008 6,008 5,905 Tier I Capital 30,866 30,055 30,898 Tier II Capital 11,216 10,987 10,199 Total Capital 42,082 41,041 41,097 Total Assets 626, , ,575 Risk Weighted Assets 346, , ,546 CRAR CET1 (%) CRAR AT1 (%) CRAR Tier I (%) CRAR - Tier II (%) Capital Adequacy Basel III (%)

34 Delivery Channels Branch Expansion Rural Semi-urban Urban Metro 5,123 5,125 5,126 5,127 5, ,379 1,379 1,379 1,380 1,371 ATM Roll-Out 7,717 7,717 7,717 7,717 7,423 2,010 2,010 2,012 2,013 2,011 Q4 FY17 Q1 FY18 Q2 FY18 Q3 FY18 Q4 FY18 Q4 FY17 Q1 FY18 Q2 FY18 Q3 FY18 Q4 FY18 Debit Card ( 000) 47,149 48,466 50,348 51,659 53,541 Q4 FY17 Q1 FY18 Q2 FY18 Q3 FY18 Q4 FY18 29

35 Delivery Channels (cont d) Internet Banking Users - Retail ( 000) 5,178 4,786 4,914 4,068 4,323 Internet Banking Users - Corporate 115, , , , ,627 Q4 FY17 Q1 FY18 Q2 FY18 Q3 FY18 Q4 FY18 Q4 FY17 Q1 FY18 Q2 FY18 Q3 FY18 Q4 FY18 Mobile Banking Users 171, , , , ,879 e-galleries Q4 FY17 Q1 FY18 Q2 FY18 Q3 FY18 Q4 FY18 Q4 FY17 Q1 FY18 Q2 FY18 Q3 FY18 Q4 FY18 30

36 31 Performance Under Financial Inclusion As on As on As on As on Particulars No. of Accts Amt. (Rs. Cr.) No. of Accts Amt. (Rs. Cr.) No. of Accts Amt. (Rs. Cr.) No. of Accts Amt. (Rs. Cr.) PMJDY (Lacs) , , , , Zero Balance Accts (Lacs) PMSBY (Lacs) PMJJBY (Lacs) APY (Lacs) PMMY Shishu (Actual) 380,797 1, ,650 1, ,331 2, ,572 2, PMMY Kishor 181,689 2, ,920 4, ,310 4, ,020 5, PMMY Tarun 38,703 2,949 55,024 4,137 61,798 4,658 68,305 5, PMMY Total 601,189 7, ,594 10, ,439 11, ,897 13,045.05

37 Financial Inclusion Rural Branches Unbanked Villages Covered Total BSBD ( NO Frill) Account (No in Lacs) 2,010 2,010 2,012 2,013 2,011 23,152 23,152 23,160 23,159 23, Q4 FY17 Q1 FY18 Q2 FY18 Q3 FY18 Q4 FY18 Q4 FY17 Q1 FY18 Q2 FY18 Q3 FY18 Q4 FY18 Q4 FY17 Q1 FY18 Q2 FY18 Q3 FY18 Q4 FY18 Total Deposit mobilised in BSBD ( NO- Frill) Account (Amt. in Crores) 5, , , , , RSETIs - No of Candidates Trained 150, , , , ,277 FLCs-No of Outdoor activities undertaken 10,748 11,360 11,831 12,498 13,318 Q4 FY17 Q1 FY18 Q2 FY18 Q3 FY18 Q4 FY18 Q4 FY17 Q1 FY18 Q2 FY18 Q3 FY18 Q4 FY18 Q4 FY17 Q1 FY18 Q2 FY18 Q3 FY18 Q4 FY18 32

38 Shareholding Pattern FII & Other Foreign Holding 1.51 % Bodies Corporate 0.71 % Individuals / Others 3.34 % Insurance Companies 9.18 % Financial Institutions/ Banks 0.85 % Mutual Funds/UTI 1.32 % Central Govt./ State Govt % 33

39 Initiative Concept of Area Managers and Star Prime implemented for being more customer focused and for business development, recovery, digitization at ground level and re-activation of branches. Monthly Campaign called Ghar Ghar Dastak being organized every month for speeding up CASA, NPA Recovery and Credit disbursement. Special CASA campaigns Amantran organized with special focus on Government, Business Associates, HNIs & NRIs Strategy for re-balancing of portfolio in favour of RAM advances (Retail, Agriculture and MSME) and reducing exposure to Corporate sector. A non-discriminatory OTS Scheme called Mission Samaadhan formulated for quick resolution of NPAs. 34

40 Contd Initiative Mission Rocket launched to activate all the Scale-IV & V headed branches. Swarna Dhara Gold Loans have been intensified. Refurbishing select branches as Star Digi branches with high end digitalized services for tech savvy customers. IT initiative Star Mahashakti being implemented for taking the Bank s technological capability to next level. Focus on Digitisation and Alternate Delivery Channels such as internet Banking, Debit and Credit Cards, POS machines. One of the premier Banks in implementing concept of Digital Village. Till now 325 villages converted into digital villages. Activation of 561 Growth Centers through Business Correspondents (BCs) called Star Points for expanding our outreach. 35

41 Way forward Focus on Growth of RAM advances to continue. Churning of Advances portfolio, replacing High Risk weighted assets with Low Risk Weighted Assets. Disbursements under Gold Loans will be amplified. Advances Less than Rs.5 Crore to be increased. Govt. targets under MUDRA, Standup loans will be met. All Regulatory Advances Targets will be achieved 36

42 Awards & Recognition Bank of India ranked as the 2 nd Most Trusted Bank in the PSU Bank category by Economic Times. Bank of India has been conferred Market Achievers Award in Currency Derivatives Segment amongst Public Sector Banks by NSE. Bank of India awarded as Best Performer in Currency Derivative Segment amongst all Banks Category by BSE. IDRBT Banking Technology Excellence Award, Best Bank for Managing IT Ecosystem, large Bank category IDRBT Banking Technology Excellence Award, Best Bank for Electronic Payments, large bank category. Bank of India awarded for Best Corporate Social Practices: Promoting Employment for Physically Challenged and also for Support and improvement in Quality of Education from ET NOW- WORLD CSR DAY Award. Bank of India awarded as The Most Efficient Bank in Kenya by Think Business Banking Award Bank of India-Uganda Subsidiary awarded for Best Company Keeping Image High Award 2018 from Indian Business Forum, Uganda. Bank s In-House Journal Taarangan conferred with Prestigious ABCI Magazine of the Year Award 2017 at Mumbai 37

43 THANK YOU! 38

Performance During Q4 : FY17-18 * ENABLING THE STAR TO SHINE *

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