Boi & Kotak Mahindra
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Transcript of 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)
http://www.bankofindia.co.in/english/annual_report.aspxhttp://www.kotakmahindrabank.co.in/english/annual_report.aspxhttp://www.kotakmahindrabank.co.in/english/annual_report.aspxhttp://www.kotakmahindrabank.co.in/english/annual_report.aspxhttp://www.kotakmahindrabank.co.in/english/annual_report.aspxhttp://www.bankofindia.co.in/english/annual_report.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 )
http://www.bankofindia.co.in/english/annual_report.aspxhttp://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)
http://www.kotakmahindrabank.co.in/english/annual_report.aspxhttp://www.kotakmahindrabank.co.in/english/annual_report.aspxhttp://www.kotakmahindrabank.co.in/english/annual_report.aspxhttp://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
http://www.bankofindia.co.in/english/annual_report.aspxhttp://www.kotakmahindrabank.co.in/english/annual_report.aspxhttp://www.kotakmahindrabank.co.in/english/annual_report.aspxhttp://www.kotakmahindrabank.co.in/english/annual_report.aspxhttp://www.bankofindia.co.in/english/annual_report.aspx -
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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 )
http://www.bankofindia.co.in/english/annual_report.aspxhttp://www.bankofindia.co.in/english/annual_report.aspx