Good People to Grow With Touching Hearts Spreading Smiles since 1937 Pr Presentati esentation on to An to Anal alyst ysts De Dece cember mber 201 015 (i (in INR n INR)
Contin inuin ing g Traditi ition on of Quiet & Dignifi ified ed Service ce to the Society Good Peopl ple e to Grow With
INVESTOR RELATIONS CELL INDEX Particulars Page No. Particulars Page No. Mile Stones 4-5 Restructured Accounts 19-20 Consolidated Change in Shareholding Pattern 6 NPA Details 24-26 Foreign Branches 7 Profitability 27-29 Joint Ventures 8 Profitability - Details of Income 30-32 Highlights 9 Net Profit 33 Ratios - Cost & Yield Ratios & I.T. Initiatives 10-11 NIM 34 Investments - Domestic & Major Business Parameters 12 Foreign 35-36 Deposits, CASA, Domestic Deposits - category wise 13-15 Capital Adequacy 37 Advances 16-17 Financial Inclusion 38 3
Milestones IOB Young at 78 Years 1937 Opening of Bank Branch simultaneously in India & Abroad 1938 Opening Branch in Kuala Lumpur 1941 Opening Branch in Singapore 1945 Opening Branch in Colombo 1955 Opening Branch in Hong Kong 1957 Bank established its own training centre 1960s Was a decade of inorganic expansion for the Bank. The Bank took over: The Coimbatore Standard Bank Ltd., The Nanjinnad Bank Ltd., The Coimbatore Vasunthara Bank Ltd., The Kulitalai Bank Ltd., The Srinivasaperumal Bank and The Venkateswara Bank Inauguration of IOB’s Head Office in Mount Road – A monument of highest banking tradition 1964 1969 Nationalisation of the Bank 1973 Formation of United Asian Bank Berhad (Indian Bank / IOB / United Commercial Bank) 1974 Official Language Department established in 1974 1977 Bank opened its Tsim Tsa Tsui Branch at Kowloon side of Hongkong 1990 Took over Bank of Tamilnad 1991 Bank moved its Staff College premises to a own spacious learning zone at Koyambedu 2000 Initial Public Offer. Follow on Public Offer in 2003 2005 Launched Debit Card 4
Milestones - IOB Young at 78 Years 2006 Launched VISA card, Retail Sale of Gold and Non Life Joint Insurance Bank reached INR 1 lac crore mark in Total Business 2006-07 Bharat Overseas Bank Ltd. was merged with IOB 2007 First Off site ATM at Kamatchi Hospital, Chennai 2009 100% CBS 2011-12 No. of Branches in Tamil Nadu reached 1000, IOB celebrated Platinum Jubilee 2012-13 Total No. of Branches as on 31.03.2013 is 2908 2012-13 Received National Award For Excellence in MSME Lending and for outstanding performance for implementing PMEGP programme in South Zone. 2012-13 Received BANKERS' EXCELLENCE AWARD from ROTARY INTERNATIONAL, USA 2013-14 3000 th Branch Vaniangudi opened on 17.8.2013 by Hon. Finance Minister IOB adjudged Best Public Sector Bank in Priority Sector Lending by Dun & Bradstreet . IOB's Official Facebook launched by our CMD. The New Indian Express and Sunday Standard's Best Bankers' Award presented to IOB Agriculture Leadership Award 2013 conferred to our Bank Award for "BEST RSETI IN THE COUNTRY received by our RSETI Thanjavur 2015-16 As on 31.12.2015 Total Deposit INR 2,30,670 cr.; Total Advances INR 1,79,349 cr. Total Business Mix is at INR 4,10,019 cr. No. of Branches – 3403 IOB adjudged1) Skoch Order of Merit for Financial Inclusion & Automated Data Flow/MIS Project 2) IBA award for The Best use of Data 5
Consolidated Change in Shareholding Pattern as on 31.12.2015 DIVIDEND DECLARED AND PAID CATEGORY NO. OF TOTAL % TO EQUITY HOLDERS SHARES YEAR Interim Final Dividend Dividen Promoter 1 1397328445 81.19 d Resident 246171 109592516 6.37 2000-01 10% 2001-02 12% FI 22 175753753 10.21 2002-03 16% Insurance Companies 4 4681678 0.27 2003-04 12% 8% FII 37 13174858 0.77 2004-05 14% 10% NRI 2614 5097945 0.30 2005-06 26% Corporate Body 1459 10590397 0.62 2006-07 30% Corporate Body – OCB 1 48000 0.00 2007-08 35% 2008-09 45% Clearing Member 132 492956 0.03 2009-10 35% Mutual Funds 3 135228 0.01 2010-11 50% Trusts 15 426401 0.02 2011-12 45% Bank 12 1466565 0.09 2012-13 20% Foreign Portfolio Investor 11 2177170 0.12 2013-14 7% 5% TOTAL 250482 1720965912 100 2014-15 - - 6
Global Footprints – Foreign Branches of the Bank Branches Representative J V Remittance Subsidiary Office Centres Singapore Guangzhou – China Malaysia Singapore - Serangoon Road Hong Kong Main Vietnam Singapore - Boon Lay Hong Kong TST Dubai Colombo Bambalapitiya Seoul Bangkok Sukhumvit, Bangkok Malaysia sia:J :Joi oint nt Ventu nture e with th Bank of Barod oda (40%) and Andhra Bank nk (25%) ) with th our Bank share e of 35% Sukhumv mvit,Ba t,Bang ngkok ok Branc nch h commen menced ed operati tions ons from 04.0 .07.2 .2014 EC at Colom ombo o has s been n upgraded ed into to a branc nch h during Augus ust t 2013 Minist stry of Fina nance, e, Gover ernment nment of India has alloc ocated ed the followi owing ng oversea seas s centres es for openi ning ng of oversea seas s JV/WOS V/WOS by the Bank. . 1.Thaila hailand nd,2 ,2.V .Viet etnam nam,3 ,3.M .Mongol ongolia,4 ,4.Sr Srilank nka and 5.Rep Republic ublic of Korea ea. 7
Strategic Investments - Joint Ventures IOB entered into Non Life Insurance Business with Universal Sompo General Insurance (USGI) Company Limited with equity participation of 19% along with the Following Banks and Institutions Joint venture Equity Contributors % INR Crs Allahabad Bank 30 105.00 Indian Overseas Bank 19 66.50 Karnataka Bank 15 52.50 Dabur Investments 10 35.00 Universal Sompo Insurance Inc 26 91.00 Total 100 350.00 n The Company has entered into Bancassurance tie ups with Allahabad Bank, IOB and Karnataka Bank. n Our Bank has entered into Corporate Agency arrangements with effect from 20.12.08 for distribution of USGI products. n Bank earned net commission of INR 2.00 crore in the current financial year up to 31.12.2015 compared to INR 2.36 crore up to 31.12.2014 from Health Care Policies. During the current year up to 31.12.2015, the Bank earned commission from Non Life Sompo (Asset) Insurance INR 6.47 crore compared to INR 6.33 crore up to 31.12.2014. 8 8
Highlights-31.12.2015 Business stood at INR 4,10,019 Crores Deposits stood at INR 2,30,670 Crores CASA stood at 26.32 % Advances stood at INR 1,79,349 Crores Operating Profit for Q3 is INR 625 Crores Net Loss for Q3 stood at INR 1,425 Crores Provision Coverage Ratio stood at 50.36 % 9
IT Initiatives IT Organization Structure : The Bank has a robust infrastructure architecture, resulting in perfect alignment of Business and IT aspirations. Three way Data centers have revolutionalised the BCP-DR readiness of the Bank. Core Banking Solution: The major change happening is the migration of our Home grown Crown-CBS solutions to the outsourced Finacle software. As at the end of Dec.2015, 1628 Branches have been migrated to the new Finacle platform. Finacle End User Training is being conducted at Staff Training College, Chennai and at 12 Staff Training Centres across the country. 9842 staff members have been trained so far. Internet Banking : Bank has home-grown internet Banking suite, with contemporary offerings; Multiple scheduling of payments etc have been enabled. Tamilnadu Chief Minister Relief Fund donations are collected online through IOB as well as Other Bank Internet banking and through VISA Cards Payment Gateway :Payment Gateway for payment of utility bills have been implemented. Many religious institutions and educational institutions have been brought under payment gateway for E-payment. Mobile Banking :New Mobile banking Solution has been enabled catering to various services. Mobile Banking solution provides second factor authentication through OTP (One Time Pin) and transactions can be done through Smart phone application and USSD. Recently IMPS – M2P (Merchant to Person) has been introduced. This enhances the E-presence across all merchant websites using IMPS. mPassBook : This electronic application of a physical passbook for savings bank is enabled. This facility empowers users to view their SB transaction on their smart phones. 10
IT Initiatives E-Corridors : Bank to open E-Corridors which will provide ATM, Self Pass-Book Printing Kiosks, Bulk Note Acceptor(BNA) and Internet-Banking Kiosks. This facilitates the customers to print their passbooks, deposit cash, withdraw cash and use the internet banking facility at one place. 336 Pass Book Printing Kiosks has been installed so far. Financial Inclusion Project : The following utilities have been enabled through Business Correspondent’s Hand Held Device(Micro ATM) in Finacle Branches: 1.Withdrawal;2.Deposits;3.Balance enquiry;4. Funds Transfer5.Mini Statement Ru Pay card On-us Transactions has been enabled in Micro ATM. Business Intelligence : We have introduced Business Intelligence(BI) Suite, which gives interactive Dash Boards, alerts, analytics etc,. Systems are established to store huge amount of historical data and Data relating to 12 years have been ware-housed. 11
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