FULFILLING ASPIRATIONS - BOI | Bank of India · devendra sharma (c.v.o) ramesh chand thakur prasad ambadas joshi raj kumar mitra sudipta kumar mukherjee ravi prakash gupta arvind

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Shri P. R. Rajagopal (Executive Director), Shri D. Harish, Shri Debabrata Sarkar, Shri A. K. Das, (MD & CEO), Shri G. Padmanabhan (Chairman), Shri Subrata Das, Smt. Dakshita Das, Shri C. G. Chaitanya (Executive Director)

¹›¸™½©¸ˆÅ Ÿ¸¿”¥¸ / Bank of India

(ž¸¸£·¸ ¬¸£ˆÅ¸£ ˆÅ¸ „œ¸ÇÅŸ¸),(A Government of India undertaking),

œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸:¬’¸£ í ̧„¬¸, ¬¸ú-5, ¸ú ¥¸¸ÁˆÅ,¸¸¿Í¸-ˆºÅ¥¸¸Ä ˆÅ¸Ÿœ¥¸½Æ¬¸, ¸¸¿Í¸ (œ¸»¨¸Ä),Ÿ¸º¿¸ƒÄ - 400 051.ûÅ¸½›¸: 022-6668 44 44ƒÄ-Ÿ¸½¥¸: [email protected]¨¸½¸¬¸¸ƒ’: www.bankofindia.co.in

Head Office:Star House, C-5, G Block,Bandra-Kurla Complex, Bandra (East),Mumbai - 400 051.Phone: 022-6668 44 44E-mail.: HeadOffice.share@bankof india.co.inWebsite: www.bankofindia.co.in

Important Informtion

Cut of date: 4th August 2020 - for remote E-voting and to participate in AGM through VC

Book Closure: From 5th August 2020 to 11th August 2020 (both days inclusive)

Remote E-voting: Start 7th August 2020 (10.00 A.M.)

End 10th August 2020 (5.00 P.M.)

Annual General Meeting: Tuesday, 11th

August 2020 at 11.00 a.m. through Video Conferencing (VC)/ other Audio Visual Means (OAVM)

¸ÿˆÅ ‚¸ÁûÅ ƒ¿¹”¡¸¸ / Bank of India Ÿ¸í·¨̧ œ¸»µ¸Ä ¬¸»¸›¸¸‡Â

ˆÅ’-‚¸¸ÁûÅ ¹™›¸¸¿ˆÅ: 4 ‚Š¸¬·¸ - ¹£Ÿ¸¸½’ ƒÄ ¨¸¸½¹’¿Š¸ ·¸˜¸¸ ¨¸ú¬¸ú ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ‡¸ú‡Ÿ¸ Ÿ¸½¿ ž¸¸Š¸ ¥¸½›¸½ í½·¸º

¸íú ¸¿™ú: 5 ‚Š¸¬·¸ 2020 ¬¸½ 11 ‚Š¸¬·¸ 2020 ·¸ˆÅ (™¸½›¸¸½¿ ¹™›¸ ¬¸¹í·¸)

¹£Ÿ¸¸½’ ƒÄ ¨¸¸½¹’¿Š¸: 7 ‚Š¸¬·¸ 2020 ¬ ½̧ (œÏ¸·¸: 10:00 ¸ ½̧) © º̧² 10 ‚Š¸¬·¸ 2020 (©¸¸Ÿ¸ 5.00 ¸ ½̧) ¬¸Ÿ¸¸œ·¸

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ºãö‡ãŠ ‚ããùû¹ãŠ ƒâãä¡¾ãã / BANK OF INDIA ÌãããäÓãÃ‡ãŠ ãäÀ¹ããñ›Ã / Annual Report 2019-20

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DEVENDRA SHARMA (C.V.O)

RAMESH CHAND THAKUR

PRASAD AMBADAS JOSHI

RAJ KUMAR MITRA

SUDIPTA KUMAR MUKHERJEE

RAVI PRAKASH GUPTA

ARVIND VERMA

VISWANATH GUNTA

SWARUP DASGUPTA

S. RAVI KUMAR JOSYULA

SALIL KUMAR SWAIN

DEVENDER PAUL SHARMA

K RAJARAMAN

SUNIL KUMAR RELAN

PARSHURAM PANDA

ARUN KUMAR JAIN

K. V. RAGHAVENDRA

MONOJ DAS

SURESH KUMAR VERMA

LAL BRIJ

VIVEK WAHI

PRAKASH KUMAR SINHA

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B VIJAYAKUMAR A

ABHIJIT BOSE

ASHOK KUMAR PATHAK

MAKARAND DIWAKAR ATREY

SUDHIRANJAN PADHI

SIVA PRAKASH KALI

SRIPAD D. S. CARAPURCAR

PUNDARIKAKSHYA DASH

AJIT KUMAR MISHRA

RAJESH KUMAR RAM

SHIV BAJRANG SINGH

SUNIL SHARMA

DHARMVEER SINGH SHEKHAWAT

MINA KETAN DAS

KOORAPATI VENKATESWARA PRAKASH

SUSANTA SEKHAR DASH

SANJAY KUMAR VERMA

PRASHANT JAYWANT NAIK

PINAPALA HARI KISHAN

PRAFULLA KUMAR GIRI

LOKESH KRISHNA

SHARDA BHUSHAN RAI

RABINDRA KUMAR DASH

M/s. NBS & Co. Chartered Accountants

M/s. Banshi Jain & Associates, Chartered Accountants

M/s. Chaturvedi & Co. Chartered Accountants

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3

Dear Shareholders and Stakeholders,

1. The year 2019-20 started with a host of global challenges. To mention a few, US-China trade tensions, macro-economic stress in certain emerging market economies, disruption in automobile sector in Europe, uncertainty around no deal Brexit and tight money policy in China. The IMF, in its every quarterly review, lowered successive growth rate estimates for the year 2019, from 3.9 % in April, 2019 to 2.9% in January,2020. The outbreak of Covid-19 pandemic towards end of the year, further clouded the global growth prospects. In fact, the spread of Covid-19 across the globe at quick pace and lockdown imposed by many countries virtually altered the global priority from ‘growth’ to ‘survival’.

2. Domestically, the GDP growth which was anticipated at over 7.0% at the beginning of the year, continued to slip quarter on quarter with stress on manufacturing sector and contraction in private consumption and investment expenditure. The latest estimate put the GDP growth for FY 2019-20 at 4.2% against 6.1% during FY 2018-19.

3. Reflecting general economic slowdown, the deposits and advances of the banking system witnessed lowered growth rate during FY 2019-20. Particularly, the advances growth rate halved to 6.1% from 13.3% during FY 2018-19. However, the general health of the Banking Sector improved during FY 2019-20, in terms of profitability parametres and assets quality.

¢œÏ¡¸ ©¸½¡¸£š¸¸£ˆÅ¸Ê ÷¸˜¸¸ ¢í÷¸š¸¸£ˆÅ¸Ê,

1. ¨¸«¸Ä 2019-20‚›¸½ˆÅ ¨¸¾¢æ¸ˆÅ \¸º›¸¸¾¢÷¸¡¸¸Ê ˆ½Å ¬¸¸˜¸‚¸£¿ž¸ íº‚¸—‚Ÿ¸½¢£ˆÅ¸-\¸ú›¸¨¡¸¸œ¸¸£÷¸›¸¸¨¸,„ž¸£÷¸úíºƒÄ‚˜¸Ä¨¡¸¨¸¬˜¸¸‚¸ÊŸ¸ÊŸ¸¾ÇÅ¸½-ƒˆÅ›¸¸Á¢Ÿ¸ˆÅ™¤¸¸¨¸,¡¸»£¸½œ¸Ÿ¸Ê‚¸Á’¸½Ÿ¸¸½¤¸¸ƒ¥¸®¸½°¸Ÿ¸Ê¤¸¸š¸¸‡¿,¢¤¸›¸¸¬¸Ÿ¸^¸¸¾÷¸½ˆ½Å¤Ï½¦Æ]¸’ˆ½Åƒ™Ä-¢Š¸™Ä‚¢›¸¢ä¸÷¸÷¸¸ ÷¸˜¸¸ \¸ú›¸ Ÿ¸Ê ˆÅ”õú Ÿ¸ºÍ¸ ›¸ú¢÷¸ ƒ›¸Ÿ¸Ê ¬¸½ ˆºÅŽ œÏŸ¸º‰¸ \¸º›¸¸¾¢÷¸¡¸¸¿˜¸ú¿—‚¸ƒÄ.‡Ÿ¸.‡ûÅ›¸½‚œ¸›¸ú¬¸ž¸ú¢÷¸Ÿ¸¸íú¬¸Ÿ¸ú®¸¸‚¸ÊŸ¸Ê,¨¸«¸Ä2019ˆ½Å¢¥¸‡¨¸¼¢Ö ™£ ˆ½Å ‚›¸ºŸ¸¸›¸ ˆÅ¸½, ‚œÏ¾¥¸ 2019 Ÿ¸Ê 3.9% ¬¸½ ]¸›¸¨¸£ú 2020 Ÿ¸Ê2.9%÷¸ˆÅ,ÇÅŸ¸¤¸Ö÷¸£úˆ½Å¬¸½ˆÅŸ¸¢ˆÅ¡¸¸—¨¸«¸ÄˆÅú¬¸Ÿ¸¸¦œ÷¸Ÿ¸Ê,ˆÅ¸½¢¨¸”-19Ÿ¸í¸Ÿ¸¸£ú̂ ½ÅœÏˆÅ¸½œ¸›¸½̈ ¸¾¢æ¸ˆÅ¢¨¸ˆÅ¸¬¸̂ Åú¬¸¿ž¸¸¨¸›¸¸‚¸Ê̂ Å¸½‚¸¾£‚¢š¸ˆÅœÏž¸¸¢¨¸÷¸¢ˆÅ¡¸¸—¨¸¬÷¸º÷¸:,÷¨¸¢£÷¸Š¸¢÷¸¬¸½œ¸»£ú™º¢›¸¡¸¸Ÿ¸ÊˆÅ¸½¢¨¸”-19ˆ½ÅœÏ¬¸¸£÷¸˜¸¸‚›¸½ˆÅ™½©¸¸Ê̂ ½Å×¸£¸¥¸¸ÁˆÅ”¸„›¸¥¸Š¸¸‡]¸¸›¸½̂ Åúœ¸¢£¦¬˜¸¢÷¸›¸½‚¬¸¥¸Ÿ¸Ê̈ ¸¾¢æ¸ˆÅœÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ˆÅ¸½'¨¸¼¢Ö'¬¸½'‚¦¬÷¸÷¨¸ˆÅ¸½¤¸\¸¸›¸½'ˆÅú¢™©¸¸Ÿ¸ÊŸ¸¸½”õ¢™¡¸¸—

2. £¸«’ïú¡¸ ¬÷¸£ œ¸£, ¨¸«¸Ä ˆ½Å‚¸£¿ž¸ Ÿ¸Ê ]¸ú.”ú.œ¸ú ¨¸¼¢Ö™£, ¢]¸¬¸ˆÅú ¬¸¿ž¸¸¨¸›¸¸7.0%¬¸½‚¢š¸ˆÅˆ½Å£í›¸½ ˆÅú˜¸ú, ¨¸í ¢¨¸¢›¸Ÿ¸¸Äµ¸®¸½°¸ Ÿ¸Ê™¤¸¸¨¸÷¸˜¸¸ ¢›¸]¸ú‰¸œ¸÷¸‡¨¸¿ ¢›¸¨¸½©¸¨¡¸¡¸Ÿ¸ÊˆÅŸ¸úˆ½ÅˆÅ¸£µ¸ ¢÷¸Ÿ¸¸íú-™£-¢÷¸Ÿ¸¸íú‚¸š¸¸£œ¸£ˆÅŸ¸í¸½÷¸ú Š¸ƒÄ— ›¸¨¸ú›¸÷¸Ÿ¸‚¸ˆÅ¥¸›¸ ˆ½Å‚›¸º¬¸¸£ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2019-20Ÿ¸Ê]¸ú.”ú.œ¸ú¨¸¼¢Ö™£ˆ½Å4.2%£í›¸½ˆÅú¬¸¿ž¸¸¨¸›¸¸í¾,]¸¸½¢¨¸î¸ú¡¸¨¸«¸Ä2018-19Ÿ¸Ê6.1%˜¸ú—

3. ¬¸¸Ÿ¸¸›¡¸³Åœ¸¬¸½‚¸¢˜¸ÄˆÅ¨¸¼¢ÖŸ¸ÊˆÅŸ¸úˆ½Å‚›¸º³Åœ¸, ¢¨¸î¸ú¡¸¨¸«¸Ä2019-20ˆ½Å™¸¾£¸›¸¤¸ÿ¢ˆ¿ÅŠ¸¨¡¸¨¸¬˜¸¸Ÿ¸Ê]¸Ÿ¸¸£¸¢©¸¡¸¸Ê÷¸˜¸¸‚¢ŠÏŸ¸¸ÊˆÅú¨¸¼¢Ö™£Ÿ¸ÊˆÅŸ¸ú‚¸¡¸ú—¢¨¸©¸½«¸÷¸¸¾£œ¸£‚¢ŠÏŸ¸¸ÊˆÅú¨¸¼¢Ö™£,6.1%ˆ½Å¬¸¸˜¸,¢¨¸î¸ú¡¸¨¸«¸Ä2018-19ˆ½Å™¸¾£¸›¸13.3%ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê ¥¸Š¸ž¸Š¸‚¸š¸úí¸½ Š¸ƒÄ— œ¸£¿÷¸º¢¨¸î¸ú¡¸¨¸«¸Ä2019-20Ÿ¸Ê¥¸¸ž¸œÏ™÷¸¸Ÿ¸¸›¸™¿”¸Ê÷¸˜¸¸Š¸ºµ¸¨¸î¸¸ˆ½Å´¦«’ˆÅ¸½µ¸¬¸½,¤¸ÿ¢ˆ¿ÅŠ¸®¸½°¸ˆÅú¬¸¸Ÿ¸¸›¡¸¦¬˜¸¢÷¸Ÿ¸Ê¬¸ºš¸¸£‚¸¡¸¸—

‚š¡¸®¸ ˆÅ¸ ¬¸¿¤¸¸½š¸›¸Chairman’s Statement


4

4. ¨¸«¸Äˆ½Å™¸¾£¸›¸‚¸£.¤¸ú.‚¸ƒÄ×¸£¸‚›¸½ˆÅ›¸ú¢÷¸Š¸÷¸œ¸í¥¸ÊˆÅúŠ¸ƒô—„›¸Ÿ¸Ê¬¸½ˆºÅŽ„¥¥¸½‰¸›¸ú¡¸œ¸í¥¸Ê,¢]¸›¸ˆÅ¸¤¸ÿˆÅ¸Êœ¸£Ÿ¸í÷¨¸œ¸»µ¸ÄœÏž¸¸¨¸œ¸”õ¸,̈ ¸½íÿ-™¤¸¸¨¸ŠÏ¬÷¸‚¸¦¬÷¸¡¸¸Êˆ½Å¬¸¿¤¸¿š¸Ÿ¸½¿¢¨¸¨¸½ˆÅœ¸»µ¸Ä[¸¿\¸¸,¥¸¸]¸Ä‡Æ¬¸œ¸¸½]¸£[õ¸\¸½Ÿ¸Ê¬¸¿©¸¸½š¸›¸,¢£’½¥¸‡¨¸¿‡Ÿ¸.‡¬¸.‡Ÿ¸.ƒÄ‰¸¿”œ¸£¤¡¸¸]¸™£¸ÊˆÅ¸½¤¸¸à¸¤¸Ê\¸Ÿ¸¸ˆÄÅ¬¸½]¸¸½”õ›¸¸‚¸¢™—ƒ¬¸¨¸«¸Ä,›¸ú¢÷¸Š¸÷¸™£¸ÊŸ¸Êœ¸¢£¨¸÷¸Ä›¸¸ÊˆÅ¸‚¸Š¸½‚¿÷¸¢£÷¸ˆÅ£›¸½ˆ½Å¬¸¿¤¸¿š¸Ÿ¸Êž¸ú¬¸ºš¸¸£™½‰¸¸Š¸¡¸¸—

5. 2019-20ˆ½Å™¸¾£¸›¸‡ˆÅ™»£Š¸¸Ÿ¸úœÏŠ¸¢÷¸¡¸í£íú¢ˆÅ¤¸”õ½,Ÿ¸]¸¤¸»÷¸,¨¸¾¢æ¸ˆÅ³Åœ¸¬¸½œÏ¢÷¸¬œ¸š¸úÄ,›¸‡¡¸ºŠ¸ˆ½Å¤¸ÿˆÅ¤¸›¸¸›¸½ˆ½Å¢¥¸‡10œ¸ú.‡¬¸.¤¸úˆÅ¸¢¨¸¥¸¡¸,4¬¸¿¬˜¸¸‚¸Ê(‡¦›’’ú)ˆ½Å³Åœ¸Ÿ¸Ê¢ˆÅ¡¸¸Š¸¡¸¸—

6. ž¸¢¨¸«¡¸ˆÅ¸¤¸ÿ¢ˆ¿ÅŠ¸Ÿ¸¸Á”¥¸,‚¢›¸¨¸¸¡¸Ä³Åœ¸¬¸½¢”¢]¸’¥¸›¸¨¸¸\¸¸£¸Êˆ½Å‚¸¬¸œ¸¸¬¸¤¸º›¸¸]¸¸‡Š¸¸—'¢ûÅ›¸’½ˆÅ'÷¸˜¸¸'¢¤¸Š¸’½ˆÅ',¢¨¸î¸ú¡¸ƒˆÅ¸½-¢¬¸¬’Ÿ¸Ÿ¸ÊˆÅ¸ûÅúí™÷¸ˆÅœÏ¨¸½©¸ˆÅ£\¸ºˆ½Åíÿ—‚÷¸ÀœÏ¸¾Ô¸¸½¢Š¸ˆÅú¡¸œ¥¸¾’ûÅ¸ÁŸ¸ÄˆÅ¸½‚œ¸ŠÏ½”ˆÅ£›¸½ˆ½Å‚¢÷¸¢£Æ÷¸,¤¸ÿˆÅ¸Êˆ½Å¢¥¸‡¡¸í‚¸¨¸©¡¸ˆÅí¾¢ˆÅ¨¸½‚œ¸›¸úœ¸íº¿\¸ˆÅ¸½¤¸[õ¸›¸½ˆ½Å¢¥¸‡÷¸˜¸¸¢”¥¸ú¨¸£ú¨¡¸¨¸¬˜¸¸ˆÅ¸½¬¸ºš¸¸£›¸½ˆ½Å¢¥¸‡¢ûÅ›¸’½ˆÅˆ½Å¬¸¸˜¸¢Ÿ¸¥¸ˆÅ£ˆÅ¸¡¸ÄˆÅ£Ê—¡¸íƒ¬¸¬¸¿™ž¸ÄŸ¸Êí¾¢ˆÅ¬¸£ˆÅ¸£ˆÅ¸'ƒÄ]¸'(EASE)¬¸ºš¸¸£‡]¸Ê”¸Ÿ¸í÷¨¸œ¸»µ¸Äí¸½]¸¸÷¸¸í¾—ƒ¬¸ˆÅ¸½š¡¸¸›¸Ÿ¸Ê£‰¸ˆÅ£‚¸œ¸ˆÅ¸¤¸ÿˆÅ,œÏ¸¾Ô¸¸½¢Š¸ˆÅúˆÅ¸½„››¸÷¸¤¸›¸¸›¸½ˆ½Åœ¸˜¸œ¸£í¾÷¸˜¸¸¢”¢]¸’¸ƒ]¸½©¸›¸ˆÅúˆÅ¸¡¸Ä®¸Ÿ¸÷¸¸ˆÅ¸¢¨¸¬÷¸¸£ˆÅ££í¸í¾—

7. ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2019-20 ˆ½Å ™¸¾£¸›¸ ¡¸Ô¸¢œ¸ „\\¸÷¸£ œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ˆÅ¸£µ¸©¸ºÖ ¥¸¸ž¸ œÏž¸¸¢¨¸÷¸ íº‚¸ í¾, œ¸£¿÷¸º 7.56% ˆÅú ‚\Žú ˆÅ¸£¸½¤¸¸£ú ¨¸¼¢Ö,œ¸¢£\¸¸¥¸›¸¸÷Ÿ¸ˆÅ¥¸¸ž¸Ÿ¸Ê42.34%ˆÅú¤¸[õ¸½÷¸£ú,‡›¸.œ¸ú.‡‚›¸ºœ¸¸÷¸¸ÊŸ¸ÊˆÅŸ¸ú÷¸˜¸¸‡›¸.‚¸ƒÄ.‡Ÿ¸Ÿ¸Ê ¬¸ºš¸¸£ˆ½Å³Åœ¸Ÿ¸Ê‚¸œ¸ˆ½Å ¤¸ÿˆÅˆÅú‚¸¿÷¸¢£ˆÅŸ¸]¸¤¸»÷¸ú¬œ¸«’³Åœ¸ ¬¸½ ¢™‰¸¸ƒÄ ™½÷¸ú í¾— ¤¸ÿˆÅ×¸£¸„“¸‡]¸¸ £í½ ¢¨¸¢ž¸››¸ ˆÅ™Ÿ¸¸Ê ˆ½ÅˆÅ¸£µ¸, ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2020-21 ˆ½Å ™¸¾£¸›¸, íŸ¸¸£ú ¢¨¸î¸ú¡¸ ©¸¢Æ÷¸ Ÿ¸Ê ‚¸¾£‚¢š¸ˆÅŸ¸]¸¤¸»÷¸ú‚¸‡Š¸ú—

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4. Several policy initiatives were taken by the RBI during the year. Notably among them, which had significant influence on banks are-Prudential framework on Stressed Assets, revision in Large Exposure Framework, linking of rate of interest on retail and MSME segments to external benchmark. The year also saw improvement in transmission of changes in policy rates.

5. One of the far reaching developments during FY 2019-20 has been merger of 10 PSBs into 4 merged entities in order to create large, stronger, globally competitive new age banks.

6. The future banking model, will essentially be woven around digital innovations. ‘Fin Techs’ and ‘Big Techs’ have now made significant inroad into the financial eco system. Therefore, apart from upgrading technology platform, the banks need to have a collaboration with ‘Fin Techs’ for expanding their reach and improving delivery mechanism. It is in this context, that the EASE reforms agenda of the Government assumes significance. Your Bank, visualizing this, is in the path of technology upgradation and expanding digitization functionalities.

7. During FY 2019-20, although the Net Profit was impacted by higher provisions, the inherent strength of your Bank is visible in the form of healthy business growth of 7.56%, increase in operating profit by 42.34%, reduction in NPAs ratios and improvement in NIM. With the various initiatives being undertaken by the Bank, there will be further cementing of financial strength during FY 2020-21.

Thank you

G. PadmanabhanChairman


5

Dear Shareholders & Stakeholders,

1. At the very outset, I extend a very warm welcome to each one of you to the 24th Annual General Meeting of your Bank. I have great pleasure in placing before you the Annual Report of your Bank for the year ended March 31, 2020.

2. The year 2019-20 featured several economic challenges both globally and domestically. The rising trade barriers, geopolitical tensions, demand slowdown in developed countries and economic strains in a number of emerging market economies marked the year, which dampened growth impulses throughout the year. The outbreak and spread of Covid-19 pandemic globally on an unprecedented scale towards the year end also came up as a large shock with uncertainty around growth outlook. As per the estimate by the IMF, the world economic growth declined from 3.6% in 2018 to 2.9% in 2019, even after monetary easing pursued by several counties. During FY 2019-20, the domestic economy also witnessed moderation in growth rate and GDP growth rate came down from 5.2% in Q1 to 3.1% in Q4, mainly due to lower growth registered by the manufacturing sector and drop in the fixed capital formation rate. Inflation during the year FY2019-20 remained elevated, especially since August,2019, driven mainly by food inflation. The CPI inflation which was 2.99% in April 2019 rose to 7.59% in January, 2020, after which it sobered down to 5.91% by the year end.

3. Both the Deposits and Advances growth in the Banking System witnessed lower growth during FY 2019-20. The Deposits grew by 7.9% during the year against 10.0% during FY 2018-19 and advances grew at 6.1% against 13.3% during

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3. ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2019-20 ˆ½Å ™¸¾£¸›¸, ¤¸ÿ¢ˆ¿ÅŠ¸ ¨¡¸¨¸¬˜¸¸ Ÿ¸Ê ]¸Ÿ¸¸£¸¢©¸¡¸¸Ê ÷¸˜¸¸‚¢ŠÏŸ¸¸ÊŸ¸Ê̂ ÅŸ¸̈ ¸¼¢Ö™½‰¸úŠ¸¡¸ú—¢¨¸î¸ú¡¸̈ ¸«¸Ä2018-19̂ ½Å™¸¾£¸›¸]¸Ÿ¸¸£¸¢©¸¡¸¸ÊŸ¸Ê10.0%̂ Åú̈ ¸¼¢Ö̂ ½Å¢¨¸²ÅÖ,7.9%̂ Åú̈ ¸¼¢Ö™]¸Ä̂ ÅúŠ¸¡¸ú÷¸˜¸¸¢¨¸î¸ú¡¸̈ ¸«¸Ä2018-19ˆ½Å™¸¾£¸›¸‚¢ŠÏŸ¸¸ÊŸ¸Ê13.3%ˆ½Å¢¨¸²ÅÖ,6.1%ˆÅú¨¸¼¢Ö™{¸ÄˆÅú


6

FY 2018-19. The overall G-Sec yield witnessed significant fall, particularly after the 1st quarter, although month wise variations were visible. The main reasons for the softening of yield were change in monetary policy stance by the US Fed, consecutive policy rate cuts by RBI along with change in policy stance, easing of liquidity and above all, drop in crude oil prices. The liquidity condition, barring April and May,2019, remained in surplus mode for rest of the year on account of several factors including, RBI’s forex operations, reduction of SLR, higher spending by the Government.

4. Several monetary and regulatory policy changes were announced by the RBI during the year. The repo rate was reduced five times during FY 2019-20, the last cut was done by 75 bps on 27th March, 2020 in order to revive demand and lessen the adverse impact of the Covid-19. Apart from this, CRR was also reduced from 4.0% to 3.0% during March, 2020. In order to improve transmission mechanism, external Benchmarking of loans to Retail and MSE segments were introduced in October, 2019. One of the notable developments during the year has been introduction of Long Term Repo Operations (LTRO) and Targeted Long Term Repo Operations (TLTRO) for providing durable liquidity as well as to facilitate monetary transmission. To mitigate the economic distress arising out of Covid-19 pandemic, several relief measures were announced by the RBI, prominent among them are moratorium on term loan instalment and deferment of repayment of interest up to three months (later extended for six months).

5. The performance of the Banking Sector during FY 2019-20 witnessed improvement in terms of profitability and NPA parametres, particularly in the case of PSBs wherein there has been notable improvement in operating profits and reduction in Gross and Net NPA ratios. The CRAR ratio of certain PSBs, with infusion of capital by the Government, also improved during the year.

6. Against the above backdrop, let me present before you the highlights of the Bank’s performance and major initiatives taken by your bank during the year FY 2019-20.

7. Highlights of the Bank’s Performance during FY 2019-20

• During 2019-20, both the deposits and advances of the Bank grew at a higher pace than that of the Banking System. The Bank’s deposits increased by 11.2% against Banking System’s growth rate of 7.9%. Similarly, the Bank’s advances grew by 7.0%, against Banking System’s growth rate of 6.1%. Consequently, your Bank’s market share both in deposits and advances during FY 2019-20 has moved up.

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6. „œ¸¡¸ºÄÆ÷¸œ¸¼«“ž¸»¢Ÿ¸Ÿ¸Ê,‚¸œ¸ˆ½Å¤¸ÿˆÅˆ½Å×¸£¸,¢¨¸î¸ú¡¸¨¸«¸Ä2019-20ˆ½Å™¸¾£¸›¸‚¸£¿ž¸ˆÅúŠ¸ƒÄ›¸ƒÄœ¸í¥¸Ê÷¸˜¸¸¤¸ÿˆÅˆ½ÅˆÅ¸¡¸Ä-¢›¸«œ¸¸™›¸ˆ½ÅœÏŸ¸º‰¸¢¤¸›™ºœÏ¬÷¸º÷¸íÿ—

7. ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2019-20 ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ˆ½Å ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ¬¸¿¤¸¿š¸ú Ÿ¸º‰¡¸ - Ÿ¸º‰¡¸ ¤¸¸÷¸Ê :

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• The Operating Profit for full year increased by 42.34% from Rs.8,092 crore during FY 2018-19 to Rs. 11,519 crore during FY 2019-20. The net loss during the year was contained at Rs. 2,957 crore vis a vis net loss of Rs. 5,547 crore during the last year. It is pertinent to mention that net loss was due mainly to aggressive provisioning in certain accounts over and above IRAC norms.

• There has been growth in both Net Interest Income and Non-Interest income during FY 2019-20, which went up by 11.71% and 44.09%, respectively.

• Global NIM improved from 2.56% for FY 2018-19 to 2.93% for FY 2019-20. Domestic NIM also rose from 3.03% to 3.28% during the same period.

• Cost to income ratio significantly got reduced from 56.93% during FY 2018-19 to 47.57% during FY 2019-20.

• Gross NPA ratio reduced from 15.84% in March,2019 to 14.78% in March,2020.

• Net NPA Ratio reduced from 5.61% in March, 2019 to 3.88% in March,2020, i.e. by 173 bps.

• Provision Coverage Ratio (PCR) touched all time high of 83.75% in March,2020 compared to 76.95% in March 2019.

• The Risk Weighted Assets (RWAs) reduced significantly from Rs.3,05,953 crore in March, 2019 to Rs. 2,94,189 crore in March, 2020, i.e. by Rs.11,764 crore or 3.85%, preventing major impairment in capital ratios.

8. Initiatives

Your Bank has been taking various initiatives to strengthen internal systems and procedures so as to enhance customer convenience and boost competitive edge of the Bank. The prominent among them are:

• Your Bank is on a continuous drive towards pursuing Technology Upgradation and Digitization measures. The Project "Star Mahashakti", i.e. upgradation of technology platform from Finacle 7 to Finacle 10, which is already in process, will be rolled out during FY 2020-21. Among others, two significant IT enabled solutions i.e. tracking of "Early Warning Signals" and “Enterprise wide Fraud Risk Management” which are also in the process of implementation will be activated soon.

• œ¸»£½ ¨¸«¸Ä ˆ½Å ¢¥¸‡ œ¸¢£\¸¸¥¸›¸¸÷Ÿ¸ˆÅ ¥¸¸ž¸ Ÿ¸Ê 42.34% ˆÅú ¤¸[õ¸½÷¸£úíºƒÄ—¡¸í¢¨¸î¸ú¡¸¨¸«¸Ä2018-19Ÿ¸Ê²Å.8092ˆÅ£¸½”õ˜¸¸]¸¸½¢¨¸î¸ú¡¸¨¸«¸Ä2019-20Ÿ¸Ê ¤¸[õˆÅ£²Å.11,519ˆÅ£¸½”õí¸½Š¸¡¸¸— ¢œ¸Ž¥¸½ ¨¸«¸Äˆ½Å™¸¾£¸›¸,²Å.5547ˆÅ£¸½”õˆÅú©¸ºÖí¸¢›¸ˆÅú÷¸º¥¸›¸¸Ÿ¸Ê,ƒ¬¸¨¸«¸Äˆ½Å™¸¾£¸›¸¢›¸¨¸¥¸í¸¢›¸ˆÅ¸½²Å.2957ˆÅ£¸½”õ÷¸ˆÅ¬¸ú¢Ÿ¸÷¸¢ˆÅ¡¸¸Š¸¡¸¸—¡¸í„¥¥¸½‰¸ˆÅ£›¸¸œÏ¸¬¸¿¢Š¸ˆÅí¾¢ˆÅ‚¸ƒÄ‚¸£‡¬¸úŸ¸¸›¸™¿”¸½¿ˆ½Å‚¢÷¸¢£Æ÷¸ˆºÅŽ‰¸¸÷¸¸½¿Ÿ¸½¿‚÷¡¸¢š¸ˆÅœÏ¸¨¸š¸¸›¸úˆÅ£µ¸ˆ½ÅˆÅ¸£µ¸¢›¸¨¸¥¸í¸¢›¸íºƒÄ—

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• ¨¸¾¢æ¸ˆÅ‡›¸.‚¸ƒÄ.‡Ÿ¸.Ÿ¸Ê¬¸ºš¸¸£íº‚¸—¡¸í¢¨¸î¸ú¡¸¨¸«¸Ä2018-19Ÿ¸Ê2.56%˜¸¸]¸¸½¢¨¸î¸ú¡¸¨¸«¸Ä2019-20Ÿ¸Ê¤¸[õˆÅ£2.93%í¸½Š¸¡¸¸—ƒ¬¸ú‚¨¸¢š¸Ÿ¸Ê‹¸£½¥¸»‡›¸.‚¸ƒÄ.‡Ÿ¸.ž¸ú3.03%¬¸½¤¸[õˆÅ£3.28%í¸½Š¸¡¸¸—

• ¥¸¸Š¸÷¸œ¸£‚¸¡¸ˆ½Å‚›¸ºœ¸¸÷¸Ÿ¸ÊˆÅ¸ûÅúˆÅŸ¸ú™]¸ÄˆÅúŠ¸¡¸ú—¡¸í¢¨¸î¸ú¡¸¨¸«¸Ä2018-19ˆ½Å™¸¾£¸›¸56.93%˜¸¸]¸¸½¢¨¸î¸ú¡¸¨¸«¸Ä2019-20Ÿ¸ÊˆÅŸ¸í¸½ˆÅ£47.57%í¸½Š¸¡¸¸—

• ¬¸ˆÅ¥¸ ‡›¸.œ¸ú.‡. ‚›¸ºœ¸¸÷¸ Ÿ¸Ê ˆÅŸ¸ú ‚¸¡¸ú— ¡¸í Ÿ¸¸\¸Ä 2019 Ÿ¸Ê15.84%˜¸¸]¸¸½ˆÅŸ¸í¸½ˆÅ£Ÿ¸¸\¸Ä,2020Ÿ¸Ê14.78%í¸½Š¸¡¸¸—

• ©¸ºÖ‡›¸.œ¸ú.‡.‚›¸ºœ¸¸÷¸ Ÿ¸Ê ž¸ú ˆÅŸ¸ú‚¸¡¸ú— ¡¸í Ÿ¸¸\¸Ä, 2019 Ÿ¸Ê5.61% ˜¸¸ ]¸¸½ Ÿ¸¸\¸Ä 2020 Ÿ¸Ê 3.88% í¸½ Š¸¡¸¸ ‚˜¸¸Ä÷¸Ã 173¤¸úœ¸ú‡¬¸ˆÅúˆÅŸ¸úíºƒÄ—

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8. œ¸í¥¸

• ‚¸œ¸ˆÅ¸¤¸ÿˆÅ,‚¸¿÷¸¢£ˆÅ¨¡¸¨¸¬˜¸¸‚¸Ê÷¸˜¸¸œÏ¢ÇÅ¡¸¸‚¸ÊˆÅ¸½Ÿ¸]¸¤¸»÷¸ˆÅ£›¸½ˆ½Å¢¥¸‡¢¨¸¢ž¸››¸ˆÅ™Ÿ¸„“¸£í¸í¾÷¸¸¢ˆÅŠÏ¸íˆÅ¬¸º¢¨¸š¸¸‚¸ÊˆÅ¸½¤¸[õ¸¡¸¸]¸¸¬¸ˆ½Å‡¨¸¿¤¸ÿˆÅ̂ ½ÅœÏ¢÷¸¬œ¸š¸¸Ä÷Ÿ¸ˆÅ¥¸¸ž¸œ¸£¤¸¥¸¢™¡¸¸]¸¸¬¸ˆ½Å—ƒ›¸Ÿ¸Ê¬¸½ˆºÅŽœÏŸ¸º‰¸íÿ:

• œÏ¸¾Ô¸¸½¢Š¸ˆÅúˆÅ¸½„››¸÷¸ˆÅ£›¸½÷¸˜¸¸¢”¢]¸’¥¸úˆÅ£µ¸ˆÅú¢™©¸¸Ÿ¸Ê‚¸œ¸ˆÅ¸¤¸ÿˆÅ ¢›¸£›÷¸£ œÏ¡¸¸¬¸ ˆÅ£ £í¸ í¾— ¢ûÅ›¸¾ˆÅ¥¸ 7 ¬¸½ ¢ûÅ›¸¾ˆÅ¥¸ 10 ˆ½ÅœÏ¸¾Ô¸¸½¢Š¸ˆÅú œ¥¸¾’ûÅ¸Ÿ¸Ä ˆ½Å ‚œ¸ŠÏ½”½©¸›¸ ˆ½Å ¢¥¸‡ `¬’¸£ Ÿ¸í¸©¸¦Æ÷¸` œ¸¢£¡¸¸½]¸›¸¸, œ¸í¥¸½ ¬¸½ œÏ¢ÇÅ¡¸¸š¸ú›¸ í¾ ¢]¸¬¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2020-21ˆ½Å ™¸¾£¸›¸‚¸£¿ž¸ ¢ˆÅ¡¸¸ ]¸¸¡¸½Š¸¸—‚›¡¸ ˆÅ™Ÿ¸¸Ê ˆ½Å‚¢÷¸¢£Æ÷¸, `œ¸»¨¸Ä \¸½÷¸¸¨¸›¸ú ¬¸¿ˆ½Å÷¸¸½¿`(ƒÄ.”¤¥¡¸».‡¬¸)ˆÅú’ï¾¢ˆ¿ÅŠ¸÷¸˜¸¸`ƒ¿’£œÏ¸ƒ]¸ ¨¸¸ƒ”š¸¸½‰¸¸š¸”õú ]¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸' ›¸¸Ÿ¸ˆÅ ™¸½‚¸ƒÄ.’ú ¬¸®¸Ÿ¸ ¬¸Ÿ¸¸š¸¸›¸, ]¸¸½ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ˆÅúœÏ¢ÇÅ¡¸¸Ÿ¸Êíÿ,„›íÊ©¸ú‹Ïíú¬¸¢ÇÅ¡¸¢ˆÅ¡¸¸]¸¸¡¸½Š¸¸—


8

• During the year, your Bank launched web based retail on-line module as a measure towards improving customer services and automation of loan origination process.

• The Internet banking and mobile banking services and functionalities of the Bank were enriched with additional features for better customer experience.

• For improving Turn Around Time, your Bank is already having specialized processing centres for Agriculture, Retail and MSME credit. At present, the Bank is having 57 Agricultural Banking Centres, 60 Retail Business Centres and 56 SME City Centres, which would be further expanded during FY 2020-21.

• Several initiatives in HR areas such as introduction of Job family, performance management system, individual development and succession planning have been adopted by the Bank in order to have a substantial productivity and efficiency gain and to reinforce future leadership. The year under review also saw initiation of an Employee Engagement Exercise (Star Anveshan) which promises to take human as well as humane aspects of the Bank's functioning a notch higher.

9. I wish to place on record the valuable contribution made by the directors on your Bank’s Board including Shri Dinabandhu Mohapatra, MD & CEO, Shri N. Damodharan, Executive Director, Ms R Sebastian, RBI Nominee Director, Shri S. C. Murmu, RBI Nominee Director and Ms Veni Thapar, Non-official Part Time Director, who demitted office during FY 2019-20. The Bank also thanks the Government of India, Reserve Bank of India, SEBI and other regulatory authorities, who have provided excellent support and valuable guidance. On behalf of the Bank and on my personal behalf I would like to thank our Business Associates, Customers, Shareholders and Stakeholders, Financial Institutions and Correspondent Banks for their trust, faith and active association and look forward to their continued patronage, guidance and support. Last, but not the least, I also place on record my appreciation for the sincere and unstinted efforts put in by our committed staff members.

With warm regards

A. K. DasMD & CEO

• ¨¸«¸Äˆ½Å™¸¾£¸›¸‚¸œ¸ˆ½Å¤¸ÿˆÅ›¸½,ŠÏ¸íˆÅ¬¸½¨¸¸‚¸ÊˆÅ¸½¬¸ºš¸¸£›¸½÷¸˜¸¸†µ¸‚¸¨¸½™›¸ˆÅúœÏ¢ÇÅ¡¸¸ˆÅ¸½‚¸Á’¸½Ÿ¸½’(¬¨¸÷¸:¬¸¿\¸¸¢¥¸÷¸)ˆÅ£›¸½ˆ½Å ¢¥¸‡¨¸½¤¸‚¸š¸¸¢£÷¸¢£’½¥¸‚¸Á›¸¥¸¸ƒ›¸Ÿ¸¸Á”Ã¡¸»¥¸‚¸£¿ž¸¢ˆÅ¡¸¸í¾—

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9

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Ø ¢›¸¨¸¥¸ Ÿ¸¸¢¥¸¡¸÷¸ (›¸½’ ¨¸˜¸Ä), ¡¸˜¸¸ 31.03.2019 ˆÅ¸½ ²Å.26,152 ˆÅ£¸½”õ ¬¸½, ¡¸˜¸¸ 31.03.2020 ˆÅ¸½ ²Å.21,505 ˆÅ£¸½”õ £íú—

Ø œÏ¢÷¸©¸½¡¸£ ¤¸íú Ÿ¸»¥¡¸, ²Å. 65.61 £í¸—

Ø ¬¸ˆÅ¥¸ ‡›¸.œ¸ú.‡ £¸¢©¸ Ÿ¸Ê 1.47 œÏ¢÷¸©¸÷¸ (‚˜¸¸Ä÷¸Ã ²Å. 889 ˆÅ£¸½”õ) ˆÅú ¨¸¼¢Ö íºƒÄ— ¡¸í £¸¢©¸ 31.03.2020 ˆÅ¸½ ²Å. 61,550 ˆÅ£¸½”õ ˆ½Å ¬÷¸£ œ¸£ œ¸íºÂ\¸ Š¸ƒÄ ]¸¸½ ¡¸˜¸¸ 31.03.2019 ˆÅ¸½ ²Å. 60,661 ˆÅ£¸½”õ ˜¸ú—

Ø ¬¸ˆÅ¥¸ ‡›¸.œ¸ú.‡ ˆÅ¸ œÏ¢÷¸©¸÷¸ ]¸¸½ 31.03.2019 ˆÅ¸½ 15.84 œÏ¢÷¸©¸÷¸ ˜¸¸, ¨¸í ˆÅŸ¸ í¸½ˆÅ£ 31.03.2020 ˆÅ¸½ 14.78 œÏ¢÷¸©¸÷¸ í¸½ Š¸¡¸¸—

Ø ¢›¸¨¸¥¸ ‡›¸.œ¸ú.‡ Ÿ¸Ê 25.15 œÏ¢÷¸©¸÷¸ (‚˜¸¸Ä÷¸Ã ²Å. 4,809 ˆÅ£¸½”õ) ˆÅú ˆÅŸ¸ú ™]¸Ä ˆÅú Š¸¡¸ú— ¡¸í, ¡¸˜¸¸ 31.03.2020 ˆÅ¸½ ²Å.14,311 ˆÅ£¸½”õ ˆ½Å ¬÷¸£ œ¸£ œ¸íºÂ\¸ Š¸¡¸¸ ]¸¸½ 31.03.2019 ˆÅ¸½ ²Å. 19,119 ˆÅ£¸½”õ ˜¸¸—

Ø 31.03.2020 ˆÅ¸½ ¢›¸¨¸¥¸ ‡›¸.œ¸ú.‡ œÏ¢÷¸©¸÷¸, ˆÅŸ¸ í¸½ˆÅ£ 3.88 œÏ¢÷¸©¸÷¸ í¸½ Š¸¡¸¸ ]¸¸½ 31.03.2019 ˆÅ¸½ 5.61 œÏ¢÷¸©¸÷¸ ˜¸¸—

¨¸«¸Ä 2019-20 ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ˆ½Å ¢¨¸î¸ú¡¸ ˆÅ¸¡¸Ä-¢›¸«œ¸¸™›¸ ˆÅ¸ ¬¸¸£ ƒ¬¸ œÏˆÅ¸£ í¾ -(£¸¢©¸ ˆÅ£¸½”õ Ÿ¸Ê)

¢¨¸¨¸£µ¸ 2018-19 2019-20 ¨¸¼¢Ö (%)

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Š¸¾£-¤¡¸¸]¸ ‚¸¡¸ 4,659 6,713 44.09

œ¸¢£\¸¸¥¸›¸ ¨¡¸¡¸ 10,697 10,451 -2.30

œ¸¢£\¸¸¥¸›¸ ¥¸¸ž¸ 8,092 11,519 42.34

œÏ¸¨¸š¸¸›¸ / ‚¸ˆÅ¦¬Ÿ¸ˆÅ÷¸¸‡¿ 13,639 14,476 6.13

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œÏ¢÷¸ ©¸½¡¸£ ¤¸íú Ÿ¸»¥¡¸ (²Å.) 94.75 65.61

ƒ¦Æ¨¸’ú œ¸£ œÏ¢÷¸ûÅ¥¸ (%) -24.57 -12.41

‚¸¾¬¸÷¸ ‚¸¦¬÷¸¡¸¸Ê œ¸£ œÏ¢÷¸ûÅ¥¸ (%) -0.84 -0.43


10

¨¸«¸Ä 2019-20 ˆ½Å œÏŸ¸º‰¸ ¢¨¸î¸ú¡¸ ‚›¸ºœ¸¸÷¸ ›¸ú\¸½ œÏ¬÷¸º÷¸ ¢ˆÅ‡ Š¸‡ íÿ: (œÏ¢÷¸©¸÷¸) (%)

Ÿ¸¸›¸™µ” 2018-19 2019-20‚¢ŠÏŸ¸ œ¸£ œÏ¢÷¸ûÅ¥¸ 8.23 8.62

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¢›¸¨¸¥¸ ¤¡¸¸]¸ Ÿ¸¸¢]¸Ä›¸ 2.56 2.93

œ¸¢£\¸¸¥¸›¸ ¨¡¸¡¸¸Ê ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê Š¸¾£ ¤¡¸¸]¸ ‚¸¡¸ 47.97 64.23

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¢›¸¨¸¥¸ ‚¸¡¸ ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê Š¸¾£-¤¡¸¸]¸ ‚¸¡¸ 27.31 30.56

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20.04.2019 517633928 89.60 4638.00ž¸¸£÷¸ ¬¸£ˆÅ¸£ ˆÅ¸½ ‚¢š¸Ÿ¸¸›¸ú ¢›¸Š¸ÄŸ¸

31 Ÿ¸¸\¸Ä 2020 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸, ¤¸ÿˆÅ ›¸½ ˆÅ¸Á¥¸ ‚¸œ©¸›¸ ˆÅ¸ œÏ¡¸¸½Š¸ ˆÅ£÷¸½ íº‡ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ¤¸¸Áµ”¸Ê ˆÅ¸½ ¢£”úŸ¸ ¢ˆÅ¡¸¸ í¾ -

ª¼¿‰¸¥¸¸ £¸¢©¸ (ˆÅ£¸½”õ) ¢£”úŸ¸ ˆÅ£›¸½ ˆÅú ÷¸¸£ú‰¸

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(²Å. ˆÅ£¸½”õ Ÿ¸Ê)

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31.03.2019 31.03.2020

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ˆºÅ¥¸ œ¸»Â]¸ú 43,404 14.19% 38,538 13.10%

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Ø ŠÏ¸íˆÅ¸Ê œ¸£ ‚¢š¸ˆÅ š¡¸¸›¸ ˆ½Å¦›Í÷¸ ˆÅ£›¸½ ‡¨¸¿ ˆÅ¸£¸½¤¸¸£ ¢¨¸ˆÅ¸¬¸, ¨¸¬¸»¥¸ú, ¢›¸\¸¥¸½ ¬÷¸£ œ¸£ ¢”¢]¸’¸ƒ]¸½©¸›¸ ‚¸¾£ ©¸¸‰¸¸‚¸Ê ˆÅ¸½ œ¸º›¸: ¬¸¢ÇÅ¡¸ ˆÅ£›¸½ í½÷¸º ®¸½°¸ œÏ¤¸¿š¸ˆÅ ÷¸˜¸¸ ¬’¸£ œÏ¸ƒŸ¸ ˆÅú ‚¨¸š¸¸£µ¸¸ ˆÅ¸ ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸—

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Ø ‡›¸œ¸ú‡ ˆ½Å ÷¨¸¢£÷¸ ¬¸Ÿ¸¸š¸¸›¸ í½÷¸º ``¹Ÿ¸©¸›¸ ¬¸Ÿ¸¸š¸¸›¸'' ›¸¸Ÿ¸ˆÅ ¢›¸«œ¸®¸ ‚¸½.’ú.‡¬¸ ¡¸¸½]¸›¸¸ ÷¸¾¡¸¸£ ˆÅú Š¸ƒÄ í¾—

Ø ``¬¨¸µ¸Ä š¸¸£¸''- ¬¨¸µ¸Ä †µ¸¸Ê Ÿ¸Ê ÷¸½{¸ú ¥¸¸ƒÄ Š¸ƒÄ í¾—Ø ’½ˆÅ-¬¸¾¨¸ú ŠÏ¸íˆÅ¸Ê í½÷¸º „\\¸ ˆÅ¸½¢’ ˆÅú ¢”¢]¸¥¸¸ƒ]” ¬¸½¨¸¸‚¸Ê ¬¸¢í÷¸, \¸¡¸¢›¸÷¸

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com) ¬¸½ ]¸º”õ Š¸‡ íÿ—

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Ø ¬’¸£ Ÿ¸í¸©¸¢Æ÷¸ : ‚¸ƒÄ’ú œ¥¸½’ûÅ¸Ÿ¸Ä ˆÅ¸½ ¢ûÅ›¸½ˆÅ¥¸ 7 ¬¸½ ¢ûÅ›¸½ˆÅ¥¸ 10 ˆ½Å ³Åœ¸ Ÿ¸Ê ‚Ô¸÷¸›¸ ¢ˆÅ¡¸¸ ]¸¸ £í¸ í¾—

Ø ˆ½Å›Íúˆ¼Å÷¸ œÏ¢ÇÅ¡¸¸ ˆ½Å›Í : ¨¸÷¸ÄŸ¸¸›¸ ¬¸¿£\¸›¸¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¬¸ž¸ú ‚¿\¸¥¸¸Ê Ÿ¸Ê ‚¸£.‡.‡Ÿ¸ ¨¡¸¨¸¬¸¸¡¸ Ÿ¸Ê ¨¸¼¢Ö ˆ½Å ¢¥¸‡ 11 ›¸¡¸½ ‚¸£.¤¸ú.¬¸ú, 28 ›¸¡¸½ ‡¬¸.‡Ÿ¸.ƒÄ. ¢¬¸’ú ¬¸Ê’£ ÷¸˜¸¸ œ¸¼˜¸ˆÅ ¬¨¸µ¸Ä †µ¸ ˆÅ®¸ ‰¸¸½¥¸½ Š¸‡ íÿ—

Ø ¡¸½›¸ Ÿ¸ºÍ¸ Ÿ¸Ê Ç½Å¢”’ ¬¸¿¨¡¸¨¸í¸£ ˆ½Å ¢¥¸‡ ``ž¸¸£∙¸ ¬¸£ˆÅ¸£ ¹¨¸î¸ Ÿ¸¿°¸¸¥¸¡¸ ×¸£¸ ¡¸½›¸ Ç½Å¢”’ ¬¸¿¨¡¸¨¸í¸£ ˆ½Å ¢¥¸‡ ‡ˆÅ œÏ¸¢š¸ˆ¼Å÷¸ ¤¸ÿˆÅ ˆ½Å ² œ¸'' Ÿ¸Ê \¸¡¸¢›¸÷¸—

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11

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Ø ŠÏ¸íˆÅ¸Ê ̂ ½Å ¢¥¸‡ ̂ Å¸”Ä ̂ Å¸ „œ¸¡¸¸½Š¸ ¢ˆÅ‡ ¢¤¸›¸¸ ‡’ú‡Ÿ¸ ¬¸½ ÷¸÷ˆÅ¸¥¸ ›¸ˆÅ™ ‚¸í£µ¸ í½÷¸º ¡¸»œ¸ú‚¸ƒÄ Æ¡¸»‚¸£ ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£ ˆÅ¸”Ä £¢í÷¸ ›¸ˆÅ™ ‚¸í£µ¸ (QR Cash) ˆÅ¸ ‚¸£¿ž¸ ¢ˆÅ¡¸¸ Š¸¡¸¸—

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12

DIRECTOR'S REPORT

The Board of Directors have pleasure in presenting the Bank’s Annual Report along with the audited statement of accounts and the cash flow statement for the year ended 31st March 2020.

Performance:

Domestic Business:

Ø Overall Domestic Business of the Bank increased by 12.04% reached at Rs. 840,209 crore as on 31.03.2020 from Rs. 749,920 crore as on 31.03.2019.

Ø CASA deposits increased by 8.79% on Y-O-Y and Stood at Rs. 197,751 crore, SB deposits and CD Deposits grew by 8.39% and 11.53% respectively. Share of low cost deposits (CASA), in domestic deposits stood at 41.50% as on 31.03.2020.

Ø Total Domestic deposits of the Bank increased by 14.40% reached at Rs. 482,539 crore as on 31.03.2020 from Rs. 421,783 crore as on 31.03.2019.

Ø Gross Domestic Advances registered a growth of 9.00% from Rs. 328,137 crore as on 31.03.2019 to Rs. 357,670 crore as on 31.03.2020. The domestic CD Ratio stood at 74.12% as on 31.03.2020.

Ø Share of RAM Advances to Total advances is 47.28% (i.e. Rs. 169,110 crore) as on 31.03.2020 as compared to 49.19% (i.e. Rs. 161,425 crore) as on 31.03.2019.

Ø Priority Sector lending constituted 40.81% of Adjusted Net Bank Credit and the share of Agricultural Credit to Adjusted Net Bank Credit was 17.10%.

Ø Retail Credit grew by 7.69% from Rs 56,492 crore as on 31.03.2019 to Rs. 60,834 crore as on 31.03.2020. The share of Retail Credit to Total Domestic Credit was 17.01% as on 31.03.2020.

Ø MSME Credit grew by 2.74% from Rs 54,595 crore as on 31.03.2019 to Rs 56,092 crore as on 31.03.2020. The share of MSME Credit to Total Domestic Credit was 15.68% as on 31.03.2020.

Overseas Business:

Ø Overseas business has de-grown by 14.29% and stood at Rs. 131,817 crore as on 31.03.2020 as compared to Rs. 153,803 crore as on 31.03.2019.

Ø Gross Foreign Advances registered a growth of 7.54% from Rs. 54,723 crore as on 31.03.2019 to Rs. 58,852 crore as on 31.03.2020.

Ø The Overseas CD Ratio stood at 80.66% as on 31.03.2020.

Global Business:

Ø Gross Business of the Bank registered a growth of 7.56% from Rs. 903,723 crore as on 31.03.2019 to Rs. 972,026 crore as on 31.03.2020.

Ø Total Global deposits increased to Rs. 555,505 crore as on 31.03.2020 from Rs. 520,862 crore as on 31.03.2019.

Ø Total Global Gross Advances increased to Rs. 416,521 crore as on 31.03.2020 from Rs. 382,860 crore as on 31.03.2020.

Ø The Global CD Ratio stood at 74.98% as on 31.03.2020.

Financial Parameters:

Ø Operating profit increased by 42.34% (Rs. 3426 crore) reached at Rs.11,519 crore as on 31.03.2020 on Y-O-Y basis.

Ø Net loss stood at Rs. 2,957 crore as on 31.03.2020 from Rs. 5,547 crore as on 31.03.2019.

Ø Capital Adequacy Ratio stood at 13.10% as on 31.03.2020 from 14.19% as on 31.03.2019.

Ø Net Worth stood at Rs. 21,505 crore as on 31.03.2020 from Rs. 26,152 crore as on 31.03.2019.

Ø Book value per share is Rs.65.61.

Ø Gross NPA amount increased by 1.47% (i.e. Rs. 889 crore) reached at Rs. 61,550 crore as on 31.03.2020 from Rs. 60,661 crore as on 31.03.2019.

Ø Gross NPA percentage reduced to 14.78% as on 31.03.2020 from 15.84% as on 31.03.2019.

Ø Net NPA amount reduced by 25.15% (i.e. Rs. 4,809 crore) reached at Rs. 14,311 crore as on 31.03.2020 from Rs. 19,119 crore as on 31.03.2019.

Ø Net NPA percentage reduced to 3.88% as on 31.03.2020 from 5.61% as on 31.03.2019.

The Financial performance of the Bank for the year 2019-20 is summarised below:

(Amount in crore)

Particulars 2018-19 2019-20 Growth (%)Net Interest Income 13,658 15,257 11.71Non-Interest Income 4,659 6,713 44.09Operating Expenses 10,697 10,451 -2.30Operating Profit 8,092 11,519 42.34Provisions / Contingencies 13,639 14,476 6.13Net Profit/ Loss -5,547 -2,957Earnings per share (Rs.) -29.79 -9.10Book Value per share (Rs.) 94.75 65.61Return on Equity (%) -24.57 -12.41 Return on Average Assets (%) -0.84 -0.43


13

Key Financial Ratios for the year 2019-20 are presented below:

(Percentage) (%)

Particulars 2018- 19 2019-20Yield on Advances 8.23 8.62Yield on Investments 7.40 7.24Yield on Funds 6.60 6.61Cost of Deposits 4.50 4.57Cost of Funds 4.39 4.23Net Interest Margin 2.56 2.93Non Interest Income to Operating Expenses 47.97 64.23Non Interest Income to AWF 0.77 0.97Operating Expenses to Average Working Fund 1.73 1.63Staff Expenses to Average Working Fund 0.98 0.96Other Operating Expenses to Average Working Fund 0.76 0.67Asset Utilisation Ratio 1.31 1.80Non Interest Income to Total Income 11.18 13.68Non Interest Income to Net Income 27.31 30.56Cost to Income Ratio 56.93 47.57

CAPITALDuring the year Bank has raised fresh capital of Rs.4638.00 corers by issue of the following capital instruments. Bank has not raised any Bonds during the financial year.

Date of issue No. of sharesPrice Amount (Crores) Details

20.04.2019 517633928 89.60 4638.00Preferential issue to the Govt of india

During the year ended March 31, 2020, Bank redeemed following bonds by exercising call option

Series ` in Crore Date of redemption

Upper Tier II – Series III 500.00 28.07.2019Upper Tier II – Series IV 500.00 28.08.2019

IPDI- Series V 325.00 09.12.2019Upper Tier-II Bonds Series V 1000.00 20.01.2020

CAPITAL ADEQUACY:Ø As per Basel III framework, the Bank’s Capital Adequacy

Ratio was 13.10% which is higher than the regulatory requirement of 10.875%

Ø Details of Capital Adequacy (BASEL III) are :(Rs. in crore)

ParticularsBASEL-III

31.03.2019 31.03.2020

CET1 CRAR 33,683 11.01% 29,059 9.88%

AT1 CRAR --- --- --- ---

Tier I Capital 33,870 11.07% 29,119 9.90%

Tier II Capital 9,534 3.12% 9,419 3.20%

Total Capital 43,404 14.19% 38,538 13.10%

Risk Weighted Assets 305,953 294,189

Business Initiatives:

During the current year the Bank has implemented various initiatives for a Prompt Turn Around. A few of them are mentioned as under:

Ø 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.

Ø Strategy for re-balancing of portfolio in favour of RAM advances (Retail, Agriculture and MSME) and reducing exposure to Corporate sector.

Ø A non-discriminatory OTS Scheme called “Mission Samaadhan” formulated for quick resolution of NPAs.

Ø “Swarna Dhara” – Gold Loans have been intensified.

Ø Refurbishing select branches as “Star Digi” branches with high end digitalized services for tech savvy customers.

Ø “War Room” and “Watch room” formed in each Zone for Recovery, NPA reduction and credit monitoring/trigger management.

Ø Tech-driven Credit Monitoring System for tracking of ‘Early Warning Signals’ under implementation.

Ø On boarded the Contactless Platform (psbloansin59minutes.com)

Ø Launched GST based Financing to MSME Borrowers.

Ø Actively participating in the Udyami Mitra Portal - marketplace for new MSME loans.

Ø Digi Branches: 255 Select Branches converted to Digi Branches for meeting the demands of Next Gen Customers.

Ø Star Mahashakti- Up gradation of IT platform from FINACLE 7 to FINACLE 10.

Ø Centralised processing centres: New 11 RBCs and 28 new SME City Centres opened and separate Gold Loan cells formed in all Zones within the existing infrastructure to increase RAM business.

Ø Selected as an “Authorized bank for Yen credit transaction by GOI-MOF” for Yen credit transaction.

Ø Focus on Digitisation and Alternate Delivery Channels.

Ø Activation of Growth Centers through Business Correspondents (BCs) called “Star Points” for expanding our outreach.

Ø Launched Retail loans on Tab application to augment new Retail business and generation of leads in retail loans.

Ø Creation of Stressed Asset Management Vertical (SAMV) for faster resolution of Stressed assets/NPAs.

Ø “Borrower Health Profile (BHP)” built-up for Proactive Credit Monitoring with dedicated manpower.


14

Ø Digitalizing the process of MSME Credit to improve the TAT and efficiency.

Ø Cardless Cash withdrawal using UPI QR (QRCash) has been launched for Customers to withdraw cash from ATMs readily without the use of cards.

Ø Mobile and Internet Banking system upgraded with enhanced features for better customer experience.

Ø Document management system (DMS) has been introduced for retrieval of documents and also helps us to store, track, manage and access our data in a more flexible and hassle free way.

Ø COVID-19 related specific loans/working capital/scheme promotion has been done using SMS and custom URL, using our BOI website. It also helps us in monitoring to generate leads and facilitate timely credit to interested customer.

Ø BOI SEVA – OUR Chatbot is launched on website in English version on 7/9/2019. Hindi version of the Chatbot has also since been made available.

Ø As an FI initiative, seamless ICT Technology based basic banking services enabled in Rural & unbanked areas.

Ø “Enterprise wide Fraud Risk Management” framework for real-time fraud monitoring is under process.

Ø Rationalisation of Domestic/overseas branches and ATMs being undertaken to reduce the Operational Cost.

Ø Special drive for opening of Government Accounts & Pension accounts among branches across the country.

Ø Debit Card Control App & Credit Card Control App have been launched to enable customers to have a full control over the card activity.

Ø Customer Outreach Initiative’ conducted in 18 districts and participated in more than 200 districts for augmenting credit off-take and expansion of financial inclusion and digital banking.

Ø Door Step Banking (DSB) through Universal Touch points (Call Centre, Website and an App) has been introduced for providing banking services to customers from the Agents engaged by the Bank.

AWARDS AND RECOGNITION:

The Bank has been conferred Awards during FY 2019-20 in various fields as under:

Ø Bank of India has won the second Most Trusted Brand Award in the Banks category awarded by the Reader’s Digest Trusted Brand, 2019.

Ø In the India Banking Summit & Awards 2019, Bank of India ranked as Best Public Sector Bank 2019 by Synnex Group.

Ø Best Performing Public Sector Bank in APY Formation Day Campaign (FY2019-20) by PFRDA.

Ø ETBFSI Excellence Awards 2019- Most Innovative Large Size Bank of the Year for QR Cash.

Ø SKOCH ORDER-OF-MERIT AWARD 2019 in GOLD Category for BOI Mobile.

Ø SKOCH Award 2019 in SILVER Category for BOI Mobile.

Ø Bank of India has been conferred CSO-100 Award-2019 from IDG Media for Implementation of Best Information Security Practices.

Ø Bank has won Infosys Finacle Clients Innovation Award 2019.

VISION, STRATEGY AND FUTURE OUTLOOK

Ø Expand the Bank’s retail, agriculture and MSME lending profile by leveraging its existing customer base.

Ø Continue to contain funding cost by sourcing low cost deposits such as CASA.

Ø Focus on improving asset quality and containing NPA levels.

Ø Leverage technology to increase cross selling opportunities, reduce cost and enhance customer experience.

Ø Improving our risk management systems to ensure long-term sustainability of our business

DIRECTORS’ RESPONSIBILITY STATEMENT:

The Directors confirm that in the preparation of the annual accounts for the year ended March 31, 2020:

a) The applicable accounting standards have been followed along with proper explanation relating to material departures, if any,

b) The accounting policies framed in accordance with the guidelines of the Reserve Bank of India were consistently applied. Reasonable and prudent judgments and estimates were made so as to give a true and fair view of the state of affairs of the Bank at the end of the financial year and of the profit and loss of the Bank for the year ended March 31, 2020.

c) Proper and sufficient care for the maintenance of adequate accounting records in accordance with the provisions of applicable laws governing banks in India for safeguarding the assets of the Bank and for preventing and detecting fraud and other irregularities,

d) Annual accounts have been prepared on a going concern basis,

e) Internal financial controls system to be followed by the Bank were laid down and that such internal financial controls are adequate and were operating effectively,

f) Proper systems have been devised to ensure compliance with the provisions of all applicable laws and that such systems were adequate and operating effectively.


15

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FULFILLING ASPIRATIONS - BOI | Bank of India · devendra sharma (c.v.o) ramesh chand thakur prasad ambadas joshi raj kumar mitra sudipta kumar mukherjee ravi prakash gupta arvind

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