Boi & Kotak Mahindra

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COMPARISON BETWEEN

&

Presented By:

Rakesh Jhunjhunwala group

Group Members:

Nitin Kumar

Radha C T

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COMPARATIVE OVERVIEW

Brief History

Current Market Capitalization

Deposits and Advances

Asset Quality

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COMPARATIVE OVERVIEW

BRIEF HISTORY:

Bank Of India:The Bank of India was established in the year 1906.

It is an Indian state-owned commercial bank with

headquarters in Mumbai, Maharashtra.It is India's 4th largest PSU bank.

Began with one office in Mumbai, with a paid-upcapital of Rs.50 lakh and 50 employees.

In business volume, the Bank occupies a premierposition among the nationalised banks.

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Kotak Mahindra Bank: It is an Indian financial service firm established in 1985.

It was previously known as Kotak Mahindra Finance

Limited, a non-banking financial company.

In February 2003 license to carry on banking business is

given by the Reserve Bank of India.

Kotak Mahindra Finance Ltd. is the first company in the

Indian banking history to convert to a bank.

Today it has more than 20,000 employees and Rs.10,000

crore in revenue.

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CURRENT MARKET

CAPITALIZATION

Market capitalization is calculated by multiplying a company'sshares outstanding by the current market price of one share. Theinvestment community uses this figure to determine a company'ssize, as opposed to sales or total asset figures.

Current market capitalization of Bank of India is Rs.15,523.53crore.

Current market capitalization of Kotak Mahindra bank is Rs

40,394 crore.

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DEPOSITS & ADVANCES GROWTH

Bank of India: Deposits

Advances

Year Amount in Rs. Crore Growth Percentage

2011-12 318,216.03 6.46%

2010-11 298,885.81 30.08%

2009-10 229,761.94 21.11%

Year Amount in Rs. crore Growth Percentage

2011-12 248,833.34 16.77%

2010-11 213,096.18 26.47%

2009-10 168,490.71 17.90%

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Kotak Mahindra Bank

Deposits

Advances

Year Amount in Rs. Crore Growth Percentage

2011-12 38,536.52 31.7%

2010-11 29,260.97 22.5%2009-10 23,886.47 52.7%

Year Amount in Rs. crore Growth Percentage

2011-12 39,079.23 33.24%

2010-11 29,329.31 41.17%

2009-10 20,775.05 25%

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ASSET QUALITY

Bank of India:

Gross NPA ratio at 2.34% as on 31.03.2012.

Net NPA ratio at 1.47% as on 31.03.2012.

Total Non-Performing Asset is Rs.1,472.78 crore.

Kotak Mahindra Bank:

Gross NPA ratio at 1.1% as on 31.03.2012.

Net NPA ratio at 0.5% as on 31.03.2012.Total Non-Performing Asset is Rs.1,472.78 crore.

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CAPITAL ADEQUACY

Risk Weighted Asset of BOIAs per BASEL II framework the risk weighted asset on

31.03.2012 is Rs.2,35,466 crores.

(From

http://www.bankofindia.co.in/english/annual_report.aspx )

Risk Weighted Asset of Kotak Mahindra Bank

As per BASEL II framework the risk weighted asset on

31.03.2012 is Rs.74,279.29 crores.

(From

http://www.KotakMahindrabank.co.in/english/annual_rep

ort.aspx)

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TIER 1 CAPITAL AND TIER 2 CAPITAL

Tier 1 Capital and Tier 2 Capital of BOI

As per BASEL II framework the Tier 1 capital as on

31.03.2012 is Rs.20,230 crores.

As per BASEL II framework the Tier 2 capital as on31.03.2012 is Rs.7,916 crores.

Total Capital as on 31.03.2012 is Rs.28,147 crores.

(From

http://www.bankofindia.co.in/english/annual_report.aspx )

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Tier 1 Capital and Tier 2 Capital of Kotak Mahindra

Bank

As per BASEL II framework the Tier 1 capital as on

31.03.2012 is Rs. 12,282.42 crores.

As per BASEL II framework the Tier 2 capital as on

31.03.2012 is Rs. 1,027.76 crores.

Total Capital as on 31.03.2012 is Rs. 13,310.18 crores.

(Fromhttp://www.KotakMahindrabank.co.in/english/annual_report.

aspx)

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CURRENT CAPITAL ADEQUACY RATIO

Current Capital Adequacy Ratio of BOICapital Adequacy Ratio (CRAR) stood at 11.95% as on 31st

March, 2012 against 12.17% in previous year (under Basel-

II).

(Fromhttp://www.bankofindia.co.in/english/annual_report.aspx )

Current Capital Adequacy Ratio of Kotak Mahindra

Bank

Capital Adequacy Ratio (CRAR) stood at 17.9% as on 31stMarch, 2012 against 19.92% in previous year (under Basel-

II).

(From

http://www.KotakMahindrabank.co.in/english/annual_report.a

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BANKS PLANS FOR ENHANCING

CAPITAL ADEQUACY

Banks Plans for enhancing capital adequacy of BOI

During the year under review, the Bank has issued

2,73,00,000 equity shares of Rs.10/- each at a premium ofRs.370.02 per share to Life Insurance Corporation of India

by way of Preferential issue of Equity Shares for raising

Banks Tier I Capital of Rs.1,037.45 crore. The funds were

raised with the primary objective of augmenting Tier-I

Capital for strengthening Capital Adequacy Ratio.

(From

http://www.bankofindia.co.in/english/annual_report.aspx )