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Bank of India (BOI) at A Glance

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BANK OF INDIA

STAFF TRAINING COLLEGE, BHOPAL

STAFF TRAINING COLLEGE BHOPAL


GLOBAL BUSINESS
(Amt in Cr)
PARAMETERS MAR’24 JUN’24 BUDGET MAR’25
Global Business Mix 13,23,515 13,64,660 14,81,000
Global Deposits 7,37,920 7,64,396 8,24,000
- Domestic 6,29,717 6,47,917 7,08,000
- Overseas 1,08,203 1,16,479 1,16,000
Global Advances 5,85,595 6,00,264 6,57,000
- Domestic 4,92,392 5,08,169 5,58,000
- Overseas 93,203 92,095 99,000

Key Highlights as on 31st March 2024


Global Business increased by 11.65% Y-o-Y
Global Deposits increased by 10.21% Y-o-Y
Global Advances increased by 13.52% Y-o-Y
Advances (Dom.) increased by 14.08% Y-o-Y
Agriculture Advances increased by 16.69% Y-o-Y
MSME Advances increased by 10.03% Y-o-Y
Retail Advances increased by 18.12% Y-o-Y
RAM Advances increased by 15.28% Y-o-Y

DEPOSITS
(Amt in Cr)
PARAMETERS MAR’24 JUN’24
CASA (Amount) 2,69,871 2,74,973
CASA (%) 43.21 42.68
Total Term Deposits 3,59,847 3,72,944
Retail Term Deposits (%) 44.25 44.48
Bulk Deposits (%) 13.00 13.16

STAFF TRAINING COLLEGE BHOPAL


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ADVANCES
(Amt in Cr)
PARAMETERS MAR’24 JUN’24
Retail 1,11,484 1,15,183
Agriculture 84,445 88,977
MSME 77,877 80,486
RAM 2,73,806 2,84,646
Corporate & Others 2,18,586 2,23,523
RAM Advances (%) 55.61 56.01

INCOME & EXPENSES


(Amt in Cr)
PARAMETERS MAR’24 (Full Year) JUN’24 (One Qtr)
Interest Income (A) 60,710 16,938
Non-Interest Income (B) 6,095 1,302
C. TOTAL INCOME (A+B) 66,805 18,240
Interest Expended (D ) 37,657 10,663
Operating Expenses (E) 15,079 3,900
F. Total Expenses (D+E) 52,736 14,563
G. Operating Profit (C-F) 14,069 3,677
Provisions & Tax (H) 7,751 1,974
Net Profit (G-H) 6,318 1,703

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STAFF TRAINING COLLEGE BHOPAL
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ASSET QUALITY
(Amt in Cr)
PARAMETERS MAR’24 (Full Year) JUN’24 (One Qtr)
Gross NPA 29,183 27,716
Gross NPA (%) 4.98 % 4.62 %
Net NPA 6,845 5,702
Net NPA (%) 1.22 % 0.99 %
Provision Coverage (%) 90.59 % 92.11 %
Slippage Ratio (%) 1.58 % 0.35 %
Credit Cost (%) 0.78 % 0.85 %

RATIOS

PARAMETERS MAR’24 JUN’24


Yield on Advances (%) 8.38 8.60
Cost of Deposits (%) 4.51 4.82
Net Interest Margin (NIM) (%) 2.97 3.07
- Domestic NIM (%) 3.34 3.43
- Overseas NIM (%) 1.20 1.25
Cost to Income Ratio (%) 51.73 51.47
Credit Deposit Ratio (%) 79.36 78.53
Return on Assets (%) 0.70 0.70
Return on Equity (%) 13.13 13.48
Book Value Per Share (Rs) 131.30 131.75
Capital Adequacy Basel III (%) 16.96 16.18

STAFF TRAINING COLLEGE BHOPAL 3


SHAREHOLDING PATTERN

PARAMETERS MAR’24 JUN’24

Government of India 73.38% 73.38%


Life Insurance Corporation 6.57% 6.57%
Indian Public 5.41% 6.60%
Others 14.64% 13.45%
Total 100.00 100.00

AWARDS & ACCOLADES DURING FY24


1. Bank had received the prestigious
“SKOCH AWARD 2023” for overall
performance in MSME.

2. Our bank has received National


Award for outstanding performance in
SHG Bank linkage for FY 2022-23 from
Ministry of Rural Development,
Government of India, during 24th
Central level consultative meeting held
at Agartala, Tripura in the month of
3. Bank of India has received Gold award in 97th SKOCH summit &
Nov-23
awards, held on 29th March 2024 under Digital Transformation
category. This award is conferred for its Universal Application Platform-
OMNI NEO mobile app.

4. Bank of India has also received No. 1 performer CORPORATE


EXCELLENCE under India Involved Ranking in 97th SKOCH summit &
awards.

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STAFF TRAINING COLLEGE BHOPAL
THE JOURNEY 1906 TO 2024 ….

STAFF TRAINING COLLEGE BHOPAL

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