APPENDIX
Table 8.1: Non Performing Assets of
different banks
Public Sector Bank:
Total Assets, Gross and Net NPAs (Rs. Crore)
[Link] Banks Total Assets Gross NPA Net NPA
201
NATIONALISED BANKS 2017 2018 2019 7 2018 2019 2017 2018 2019
1 Allahabad Bank 67664 82939 97648 1094 1011 1078 440 400 422
2 Andhra Bank 47541 56592 68469 397 372 368 47 54 79
3 Bank of Baroda 143146 179600 227407 2092 1981 1843 502 494 451
4 Bank of India 141817 178830 225502 2100 1931 2471 812 592 628
5 Bank of Maharashtra 39009 48151 59030 820 766 798 277 254 272
6 Canara Bank 165961 180529 219646 1493 1273 2168 927 899 1507
7 Central Bank of India 93008 123956 147655 2572 2350 2316 878 1060 1063
8 Corporation Bank 52721 66698 86906 625 584 559 142 127 138
9 Dena Bank 31451 38642 48461 744 573 621 365 215 313
10 Indian Bank 56149 70508 84122 546 487 459 102 98 94
11 Indian Overseas Bank 82257 101838 121073 1120 997 1923 258 363 999
12 Oriental Bank of Commerce 73936 90705 112583 1454 1280 1058 216 538 442
13 Punjab &Sind Bank 21963 30949 41364 291 136 161 77 67 78
14 Punjab National Bank 162422 199020 246919 3391 3319 2767 726 754 264
15 Syndicate Bank 89277 107132 130256 1560 1769 1595 391 623 632
16 UCO Bank 74864 89795 111664 1506 1652 1540 1006 1092 813
17 Union Bank of India 102678 123992 160976 1873 1657 1923 601 128 326
18 United Bank of India 42310 54311 62041 817 761 1020 333 306 525
19 Vijaya Bank 42357 56184 62383 564 512 699 144 182 292
TOTAL of 19 Nationalised 2506
Banks (I) 1530531 1880271 2314103 0 23410 25368 8244 8245 9339
II State Bank of India (SBI) 566565 721526 964432 9998 12837 15589 5258 7424 9552
III ASSOCIATES OF SBI
1 State Bank of Bikaner & 34507 41154 46370 463 437 490 223 209 253
Jaipur
2 State Bank of Hyderabad 49052 61620 76722 351 312 486 61 57 166
3 State Bank of Indore 24527 29276 33076 294 265 301 159 134 193
4 State Bank of Mysore 26843 33070 40486 384 359 368 75 89 129
5 State Bank of Patiala 47461 59060 69665 524 521 574 238 217 264
6 State Bank of Saurashtra 18847 21358 - 122 175 - 78 111 -
7 State Bank of Travancore 37993 43894 49461 540 571 544 268 268 188
TOTAL of 7 Associates 239230 289432 315780 2679 2640 2764 1102 1085 1193
(III)
1267
TOTAL of state Bank 805795 1010959 1280212 7 15478 18352 6359 8509 10745
group (II +III)
Other Public Sector Banks
1 IDBI Bank Ltd. 103839 130694 172402
1232 1565 1436 722 1083 949
3896 1532
TOTAL of Public Sector 2440166 3021924 3766717 8 40452 45156 5 17836 21033
Banks (I+II+III+IV)
Table 8.2: Bank-wise Gross Non-Performing Assets, Gross Advances and Gross NPA ratio
of Nationalized Bank
Banks As on March 31, 2019
[Link] Gross NPAs Gross Gross NPA
Advances Ratio (%)
(1) (2) (3)
NATIONALISED BANKS
1 Allahabad Bank 107825 5944340 1.81
2 Andhra Bank 36814 4442760 0.83
3 Bank of Baroda 184293 14484487 1.27
4 Bank of India 247088 14473156 1.71
5 Bank of Maharashtra 79841 3481728 2.29
6 Canara Bank 216797 13903691 1.56
7 Central Bank of India 231655 8674027 2.67
8 Corporation Bank 55922 4892712 1.14
9 Dena Bank 62077 2918536 2.13
10 Indian Bank 45918 5183064 0.89
11 Indian Overseas Bank 192341 7580954 2.54
12 Oriental Bank of Commerce 105812 6906472 1.53
13 Punjab & Sind Bank 16104 2469810 0.65
14 Punjab National Bank 276746 15609845 1.77
15 Syndicate Bank 159454 8249504 1.93
16 UCO Bank 153951 6966905 2.21
17 Union Bank of India 192335 9826485 1.96
18 United Bank of India 101956 3572745 2.85
19 Vijaya Bank 69882 3587463 1.95
Table 8.3: Balance Sheet of Bank of India
BANK OF INDIA
BALANCE SHEET AS AT 31ST MARCH, 2019 (000’s Omitted)
Particular As at As at
31-03-2019 31-03-2018
CAPITAL AND LIABILITIES
Capital 5,259,146 5,259,146
Reserves & Surplus 129,690,067 100,634,764
Deposits 1,897,084,797 1,500,119,812
Borrowings 94,869,763 71,724,490
Other Liabilities and Provisions 128,113,898 110,561,565
TOTAL 2,255,017,671 1,788,299,777
ASSETS
Cash and balances with Reserve bank of India 89,152,845 117,418,505
Balance with Banks and money at call and short notice 128,459,711 59,755,389
Investments 526,071,791 418,028,767
Advances 1,429,093,738 1,134,763,264
Fixed Assets 25,319,347 24,260,671
Other Assets 56,920,239 34,073,181
TOTAL 2,255,017,671 1,788,299,777
Contingent Liabilities 1,222,665,860 1,494,889,837
Bills foe Collection 114,907,372 80,945,798
Table 8.4: Profit & Loss Account of Bank of India
BANK OF INDIA
PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31ST MARCH, 2019
(000’s Omitted)
For the year For the year
Particular ended Ended
31-03-2019 31-03-2018
INCOME
Interest earned 163,473,479 123,552,212
Other income 30,518,627 21,169,261
TOTAL 193,992,206 144,721,473
EXPENDITURE
Interest expended 108,484,531 81,259,517
Operating expenses 30,939,633 26,449,874
Provisions and Contingencies 24,494,579 16,918,056
TOTAL 163,918,743 124,627,447
PROFIT
Net Profit for the year
30,073,463 20,094,026
Add: Profit brought forward
0 5,417,591
TOTAL
30,073,463 25,511,617
APPROPRIATIONS
Transfer to Statutory Reserve 8,000,000 7,000,000
Transfer to Revenue Reserve 9,974,714 15,096,101
Transfer to Capital Reserve 5,692,579 428,209
Transfer (from) / to Special Reserve-Currency Swap (9,261) 29,594
Interim Dividend (including dividend tax) Final 1,843,287 0
Dividend (including dividend tax) 3,072,144 2,457,713
Special Reserve u/s Sec 36(1) (vii) of Income Tax Act, 1961 1,500,000 500,000
Balance in Profit and loss Account 0 0
TOTAL 30,073,463 25,511,617
57.26 40.83
Earnings per Share (Rs)
Table 8.5: NPA Ratios of Bank of India
Particulars 2016-17 2017-18 2018-19
Gross NPA (in crores) 2,100 1,930 2,471
Net NPA (in crores) 812 592 628
Gross NPA Ratio (%) 2.47 1.70 1.73
Net NPA Ratio (%) 1.07 0.57 0.48
Provision Ratio (%) 43.95 57.22 51.84
Problem Assets Ratio (%) 1.48 1.08 0.97
Capital Adequacy Ratio (%) 12.23 10.68 12.65
Table 8.6: Sector wise Breakup of NPA(INR in Mn)
Dec - 18 Dec - 19 % of total NPA % of Total
Sectoral Advances
Agriculture 3,317 4,160 10.56 7.73
MSME 10,770 17,056 43.31 4.32
Retail credit 7,176 6,572 16.69
Other (Industry,
Trade, Real
estate Misc) 8,241 11,596 29.44 2.91
Domestic (total) 29,504 39,384
Foreign 2,089 3,896
Global (total) 31,593 54,437
Table 8.7: Overseas NPAs (INR in Mn)
Dec 18 Dec 19
Trade 803.2 1244.0
Manufacturing 238.5 549.1
Real Estate 597.2 1289.1
Other 450.2 771.7
Total 2089.2 3853.9
Figure 8.1: Overseas NPAs
1400 1289.1
1244
1200
1000
803.2 771.1
800
597.2
600 549.1
450.2
400
238.5
200
0
Trade Manufacturing Real Estate Other
8-Dec 9-Dec
PRESS RELEASE OF BANK OF INDIA
HIGHLIGHTS FOR THE YEAR ENDED 31st MARCH 2019
Business Mix reaches Rs.334440 crores - robust rise of 26.30 %.
Net Profit shoots up by 49.68% from Rs.2019 crores to Rs.3007 crores.
Operating Profit up by 47.45% (Rs. 5457Crore) supported by growth in net interest
income as well as other income.
Core Operating Profit (net of Treasury) up by 41.26% (Rs. 4711 Crore) from
Rs.3335 Crore in Mar’18.
Net Interest Income rises by 30.03% to Rs. 5499Cr from Rs. 4229 Cr, despite
challenging conditions.
Net Interest Margin improves from 2.95% to 2.97%.
Non Interest Income smartly rises by 44.17% from Rs 2117 crores to Rs 3052crores.
Gross NPA ratio at 1.71%.
Net NPA ratio drops to 0.44% from 0.52% as on March 2018.
Provision coverage maintained at 74.58%.
Cost to Income Ratio has improved substantially from 41.68% to 36.18%.
Return on Assets jumped from 1.25% to 1.49 %.
Total Income for the Quarter rose to Rs.5278 Crore from Rs.4155 Crore , showing a
growth of 27.03%.
Bank has made adequate provisions for terminal benefits, in line with AS 15
requirements. Rs. 384.60 Cr estimated and provided.
CASA amounted to Rs. 48637 crores constituting 31% of Total Deposits
Earnings per share for 12 months go up sharply from Rs. 40.83 to Rs.57.26.
Book value per share rises from Rs. 164.05 to Rs.211.89.
Capital Adequacy Ratio rises to 13.01% from 12.04%as per Basel II.
Deposits grew by 26.46% on YoY basis to Rs.1,89,708 crores.
Advances rose by 26.08% to reach Rs.1,44,732 crores.
Total no of branches are 3021.
2593 branches are functioning on CBS platform covering above 97% of the business,
spanning over 700 cities & towns.
Agricultural Debt Waiver & Debt Relief Scheme, 2018 fully implemented.
Net worth of the Bank surpasses Rs.11100 crores.