BOI Abridged AR 2015

/ BANK OF INDIA
/ Abridged Annual Report 2014-15
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GENERAL MANAGERS
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MANOJ JAIN
(grdrAmo)
(CVO)
Ama. E. eH$a ZmamÙZ
R A SANKARA NARAYANAN
(Elevated as Executive Director, Bank of India w.e.f. 15th May 2015)
(~H$ Am$ B{S>m Ho$ H$mnmbH$ {ZXoeH$ Ho$ $n | 15 B, 2015 go nXmoV)
RAJ KAMAL VERMA
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RAJIVE SAXENA
PRAMODA KUMAR PATTANAIK
RADHA NATH KAR
RAMESH CHANDRA BALIARSINGH
GAJANAN BALKRISHNA KAKADE
ANIL KUMAR BHALLA
GOPAL MURLI BHAGAT
DINA BANDHU MOHAPATRA
TARLOCHAN SINGH
BHALCHANDRA VASUDEO UPADHYE
SANJAY PAWAR
NAGIN SHANKARLAL SURTI
SHANKARDAS GUPTA
JAIN BHUSHAN
KULDEEP KUMAR ARORA
SHEOJI RAM MEENA
KUL BHUSHAN JAIN
ANANT UPADHYAY
SUDHAKAR TANNIRU
V VISHWANATHAN
SUSHIL KUMAR KASLIWAL
SUBHASH CHANDRA MODI
NIKHLESH BHARGAVA
KRISHAN LAL SHARMA
VARANASI NAGESWARA RAO
SENGODA GOUNDER PALANIVEL
KUMAR VARADACHARI
/ BANK OF INDIA
YmZ H$m`mb`- Q>ma hmCg, ~mm Hw$bm H$mbog, w~B -400 051.
HEAD OFFICE- STAR HOUSE, BANDRA KURLA COMPLEX, MUMBAI-400 051
NOTICE
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NOTICE is hereby given that the Nineteenth Annual General Meeting of

the Shareholders of Bank of India will be held on Monday, July 20, 2015
at 11.00 A.M. at Bank of India Auditorium, Star House, Bandra Kurla
Complex, Bandra (East) Mumbai 400 051 to transact the following
business:
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dm{fH$ Am ~R>H$ gmodma, 20 OwbmB 2015 H$mo Anam 11.00 ~Oo ~H$ Am$
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Ho$ {bE bm^ Ama hm{Z ImVm, boIm | H$da H$s JB Ad{Y hoVw ~H$ Ho$ H$m` VWm
J{V{d{Y`m| na {ZXoeH$ S>b H$s [anmoQ> Ama VwbZ n VWm boIm| na boIm narjH$m|
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gH$n H$mo AmemoYZm| Ho$ gmW AWdm CgHo$ {~Zm nm[aV H$aZo hoVw:
""`h gH$n {H$`m OmVm h {H$ ~H$H$mar H$nZr (CnH$m| H$m AOZ Ed AVaU)
A{Y{Z`, 1970 (A{Y{Z`), am>r`H$V ~H$ (~YZ Ama {d{dY mdYmZ)
`moOZm, 1970 (`moOZm) Ama ~H$ Am$ B{S>`m (eo`g ES> {qQ>g) {d{Z`Z,
2007 Ho$ mdYmZm| Ho$ AZwgaU | Ama ^maVr` [aOd ~H$ (Ama~rAmB), ^maV
gaH$ma (OrAmoAmB), ^maVr` {V^y{V Ed {d{Z` ~moS> (go~r) Ama/AWdm Bg
~mao | `Wm Ano{jV {H$gr A` m{YH$aU Ho$ AZwmoXZm|, g{V`m|, drH${V`m|,
`{X H$moB hm|, Ho$ A`YrZ Ed Eogr eVm], {Z~YZm| Ama AmemoYZm| Ho$ A`YrZ Omo
Eogo AZwmoXZ H$s drH${V | CZHo$ mam `Wm {d{hV {H$E OmE Ama {OgHo$ {bE
~H$ Ho$ {ZXoeH$ ~moS> mam gh{V XmZ H$s OmE Ama go~r (B`y Am$ H${nQ>b ES>
{S>gbmoOa [a$mà|Qg) {d{Z`Z, 2009 (AmBgrS>rAma {d{Z`Z)/ {Xem{ZX}e
Ed g`-g` na Ama~rAmB, go~r mam {ZYm[aV A{YgyMZm/n[anm| Ama ~H$H$mar
{d{Z`Z A{Y{Z`,1949, ^maVr` {V^y{V Ama {d{Z` ~moS> A{Y{Z`,1992Ho$
VhV n>rH$aUm| Ed A` g~pYV m{YH$aUm| mam {d{hV {d{Z`m| Ama Eogo Q>mH$
EgM|O Ho$ gmW {H$E JE gyMr~Vm H$amam| Ho$ AYrZ Ohm ~H$ Ho$ B{$Q>r eoà
gyMr~ h, ~H$ Ho$ eoàYmaH$m| H$s gh{V h Ed BgHo$ mam ~H$ Ho$ {ZXoeH$ ~moS> H$mo
Xr OmVr h (BgHo$ nMmV Bgo "~moS>' H$hm OmEJm {Og| Eogr H$moB g{{V ^r em{b
gPr OmEJr Omo Bg gH$n mam Xm A{YH$mam| g{hV BgHo$ A{YH$mam| H$m `moJ
H$aZo Ho$ {bE J{R>V hmo AWdm BgHo$ nMmV J{R>V H$s J`r hmo) ^maV AWdm {dXoe
| Vmd XVmdoO/{ddaU n AWdm Eogo A` XVmdoO Ho$ mam Am$a, B`y Ama
Am~{Q>V (gWm Ho$ Am~Q>Z na AmajU Ho$ {bE mdYmZ Ama/AWdm {ZJ Ho$ Eogo
^mJ Ho$ {VnYmH$ AmYma Ama Cg g` bmJy H$mZyZ mam AZwV Eogo `{$`m|
H$s loUr ^r em{b)
H$) bmJy r{` na ` 10 òH$ Ho$ A{H$V y` Ho$ 26 H$amoS> VH$ Ho$
B{$Q>r eoà Ho$ gmW mOyXm nS>-An B{$Q>r eoà nyOr Omo ~H$ Ho$
` 3000 H$amoS> Ho$ Hw$b m{YH$V nyOr Ho$ AXa hmoJm, ~H$H$mar H$nZr
(CnH$m| H$m AOZ Ed AVaU) A{Y{Z`, 1970 H$s Ymam 3 (2E) Ho$
Item No. 1
To discuss, approve and adopt the Audited Balance Sheet as at 31st
March 2015, Profit and Loss Account of the Bank for the year ended
31st March 2015, Report of the Board of Directors on the working and
activities of the Bank for the period covered by the Accounts and the
Auditors Report on the Balance Sheet and Accounts
Item No. 2
To declare Dividend on Equity Shares for the Financial Year ended 31st
March 2015.
Item No. 3
To consider and if thought fit, to pass, with or without modification,
the following resolution as a Special Resolution:
RESOLVED THAT pursuant to the provisions of the Banking
Companies (Acquisition and Transfer of Undertakings) Act, 1970 (Act),
The Nationalised Banks (Management and Miscellaneous Provisions)
Scheme, 1970 (Scheme) and the Bank of India (Shares and Meetings)
Regulations, 2007 and subject to the approvals, consents, sanctions,
if any, of the Reserve Bank of India (RBI), the Government of India
(GOI), the Securities and Exchange Board of India (SEBI), and / or
any other authority as may be required in this regard and subject to
such terms, conditions and modifications thereto as may be prescribed
by them in granting such approvals and which may be agreed to by
the Board of Directors of the Bank and subject to the regulations viz.,
SEBI(Issue of Capital and Disclosure Requirements) Regulations, 2009
(ICDR Regulations) / guidelines, if any, prescribed by the RBI, SEBI,
notifications/circulars and clarifications under the Banking Regulation
Act, 1949, Securities and Exchange Board of India Act, 1992 and all
other applicable laws and all other relevant authorities from time to
time and subject to the Listing Agreements entered into with the Stock
Exchanges where the equity shares of the Bank are listed, consent of
the shareholders of the Bank be and is hereby accorded to the Board
of Directors of the Bank (hereinafter called the Board which shall be
deemed to include any Committee which the Board may have constituted
or hereafter constitute to exercise its powers including the powers
conferred by this Resolution) to create, offer, issue and allot (including
with provision for reservation on firm allotment and/or competitive
basis of such part of issue and for such categories of persons as may
be permitted by the law then applicable) by way of an offer document/
prospectus or such other document, in India or abroad
a) Upto 26 Crore equity shares of the face value of ` 10 each for cash
at such premium which together with the existing Paid-up Equity
share capital shall be within the total authorized capital of ` 3000
crore of the bank, being the ceiling in the Authorised Capital of the
Bank as per Section 3(2A) of the Banking Companies (Acquisition
and Transfer of Undertakings) Act, 1970 or to the extent of enhanced
/ BANK OF INDIA

Authorised Capital as per the Amendment (if any), that may be
made to the Act in future, in such a way that the Central Govt. shall
at all times hold not less than 51% of the paid-up Equity capital of
the Bank, whether at a discount or premium to the market price,
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H$ go H$ 51% Ym[aVm ahoJr Mmho dh ~mOma y` | Ny>Q> AWdm
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An[adVZr` {S>~|Ma em{b bo{H$Z JmU {S>~|Ma, ~mS>, Wm`r gM`r
A{Ym` eoàm| VH$ gr{V Zht Ama/AWdm A` F$U {V^y{V`m|
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^maVr` `yMwAb {Z{Y, doMa nyOr {Z{Y, {dXoer doMAma nyOr {ZdoeH$, am`
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hmo, Amoda-AbmQ>|Q> {dH$n Ho$ gmW `m CgHo$ {~Zm Ama `h {H$ Eogm Vmd
{ZJ, bog|Q> Ama Am~Q>Z ~H$H$mar H$nZr (CnH$m| H$m AOZ Ed AVaU)
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2009 (AmBgrS>rAma {d{Z`Z) Ama Ama~rAmB, go~r Ed `Wm bmJy {H$gr A`
m{YH$mar mam Omar A` g^r {Xem{ZX}e Ama Eogo g` AWdm g`m| na Eogo VarHo$
go Ama Eogo {Z~YZ Ama eV] Ogm ~moS> mam AnZo nyU {ddoH$ na C{MV mZo OmE & ''
""`h ^r gH$n nm[aV {H$`m OmVm h {H$ Cnamo$ {ZJ Ho$ g~Y | ~moS> H$mo Eogo y`
AWdm AmBgrS>rAma {d{Z`Zm| Ho$ g~pYV mdYmZm| Ho$ AZwgma {ZYm[aV y` go
A{YH$ y` na {ZU` boZo H$m nyU A{YH$ma hmoJm, {OgH$m {ZYmaU Bg H$ma Ama
Ohm Amd`H$ hmoJm AJUr ~YH$m| Ama/`m hmrXmam| Ama/`m A` gbmhH$mam|
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H$mZyZ, {Z`m|, {d{Z`Zm| Ed {Xem{ZX}em| Ama/AWdm `h {ZU` boZo H$m A{YH$mar
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""`h ^r gH$n nm[aV {H$`m OmVm h {H$ ~moS> H$mo `h m{YH$ma Ama e{$ hmoJr
{H$ dh Vmd | {H$gr AmemoYZ H$mo drH$ma H$a| Ogm Ano{jV hmo `m OrAmoAmB/
Ama~rAmB/go~r /Q>mH$ EgM|O Ohm ~H$ Ho$ eoà gyMr~ h `m Ohm {ZJ{V
hmoZo dmbr F$U {V^y{V`m gyMr~ hmoZo Ho$ {bE Vm{dV h AWdm Eogo m{YH$m[a`m|
mam ~moS> mam ghVZwgma CZHo$ {ZJ, Am~Q>Z Ama gyMrH$aU H$mo CZHo$ AZwmoXZ,
gh{V Ama Oyar XmZ H$aVo d$ A{Yamo{nV {H$`m J`m hmo&''
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nm {dXoer {ZdoeH$m| H$mo Cn`w$ {V^y{V`m| Ho$ {ZJ Ed Am~Q>Z Ama~rAmB Ho$
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b) for making offer(s) or invitation(s) to subscribe to perpetual debt

instruments in accordance with the guidelines framed by RBI, NonConvertible Debentures including but not limited to Subordinated
Debentures, bonds, Perpetual Non Cumulative Preference Shares
and /or other debt securities/ Preference Shares, etc., on a private
placement or public issue basis, in one or more tranches which may
classify for TIER I or TIER II Capital as identified and classified by
RBI or such other authority for an amount not exceeding ` 6000
Crore, during the period of one year from the date of passing of this
Special Resolution.
in one or more tranches, including to one or more of the members,
employees of the Bank, Indian nationals, Non-Resident Indians (NRIs),
Companies, private or public, Investment Institutions, Societies, Trusts,
Research Organizations, Qualified Institutional Buyers (QIBs) like
Foreign Institutional Investors (FIIs), Banks, Financial Institutions,
Indian Mutual Funds, Venture Capital Funds, Foreign Venture Capital
Investors, State Industrial Development Corporations, Insurance
Companies, Provident Funds, Pension Funds, Development Financial
Institutions or other entities, authorities or any other category of investors
which are authorized to invest in equity/preference shares/securities of
the Bank as per extant regulations/guidelines or any combination of the
above as may be deemed appropriate by the Bank.
RESOLVED FURTHER THAT,such issue, offer or allotment shall be
by way of qualified institutional placement (QIP), public issue, rights
issue, private placement or such other issue which may be provided
by applicable laws, with or without over-allotment option and that such
offer, issue, placement and allotment be made as per the provisions
of the Banking Companies (Acquisition and Transfer of Undertakings)
Act, 1970, the SEBI (Issue of Capital and Disclosure Requirements)
Regulations, 2009 (ICDR Regulations) and all other guidelines issued
by the RBI, SEBI and any other authority as applicable, and at such time
or times in such manner and on such terms and conditions as the Board
may, in its absolute discretion, think fit.
RESOLVED FURTHER THAT, in respect of the aforesaid issue/s, the
Board shall have the absolute authority to decide, such price or prices not
below the price as determined in accordance with relevant provisions of
ICDR Regulations, determined in such manner and wherever necessary,
in consultation with the lead managers and /or underwriters and /or
other advisors, and/or such terms and conditions as the Board may,
in its absolute discretion, decide in terms of ICDR Regulations, other
regulations and any and all other applicable laws, rules, regulations and
guidelines, and/or whether or not the proposed investor(s) are existing
shareholders of the Bank.
RESOLVED FURTHER THAT, the Board shall have the authority and
power to accept any modification in the proposal as may be required or
imposed by the GOI / RBI / SEBI/Stock Exchanges where the shares
of the Bank are listed or where the Debt Securities to be issued are
proposed to be listed or such other appropriate authorities at the time
of according / granting their approvals, consents, permissions and
sanctions to issue, allotment and listing thereof and as agreed to by the
Board.
RESOLVED FURTHER THAT,the issue and allotment of aforesaid
Securities, if any, to NRIs, FIIs and/or other eligible foreign investments
be subject to the approval of the RBI under the Foreign Exchange
Management Act, 1999 as may be applicable but within the overall limits
set forth under the Act and other regulators as applicable.
RESOLVED FURTHER THAT, the said new equity shares to be
/ BANK OF INDIA

issued shall be subject to the Bank of India (Shares and Meetings)
Regulations, 2007 as amended and shall rank in all respects pari-passu
with the existing equity shares of the Bank including dividend, if any, in
accordance with the statutory guidelines that are in force at the time of
such declaration.
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AXa hmoJm&''
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~H$ Am$ B{S>`m (eoà Ed ~R>H|$) {d{Z`Z, 2007 `Wm gemo{YV Ho$ A`YrZ
hm|Jo Ama bm^me `{X H$moB hmo, g{hV ~H$ Ho$ dVmZ B{$Q>r eoàm| Ho$ gmW g$nr
loUr | hm|Jo Omo Bg KmofUm Ho$ g` bmJy gm{d{YH$ {Xem{ZX}em| Ho$ AZwgma hm|Jo&''
""`h ^r gH$n nm[aV {H$`m OmVm h {H$ ~moS> Ho$ A{YH$ma h Ama EVXmam m{YH$V
{H$`m OmVm h {H$ dh {H$gr AJUr ~YH$, ~H$a, hmrXma, {S>nm{OQ>ar, Ama Cn`w$
{V^y{V`m Am$a H$aZo go g~{YV g^r EOopg`m| Ho$ gmW A^r Eogr `dWmAm| H$m
{ZnmXZ H$a| Ama g^r Eogr gWmAm| Ed EOopg`m| H$mo H$reZ, ~moH$aoO, ewH$
Am{X H$s {Vny{V H$a| Ama Eogr EOopg`m| Ho$ gmW g^r Eogr `dWmAmo, H$amam|,
kmnZm|, XVmdoOm| Am{X H$mo {Znmo{XV H$ao&''
""`h ^r gH$n nm[aV {H$`m OmVm h {H$ Cn`w$ H$mo ^mdr ~ZmZo Ho$ Co`$ go
~moS>, AJUr ~YH$, AS>a amBQ>a, gbmhH$ma Ama AWdm ~H$ mam {Z`w A`
`{$`m| H$s gbmh go A~ Ama EVmam B`y (Am|) Ho$ H$ma Ama eV {ZYmaU Ho$
{bE m{YH$V h {Og| eoà Am~{Q>V H$aZo Ho$ {bE {ZdoeH$m| Ho$ dJ, òH$ ^mJ
| Am~{Q>V hmoZo dmbo eoàm|/A{YmZr eoàm| /S>oQ> {V^y{V`m| H$s g`m, {ZJ y`
(r{`, AJa H$moB g{hV) A{H$V y`, {V^y{V`m| Ho$ {ZJ /n[adVZ /dmaQ>m|
Ho$ {ZnmXZ /{V^y{V`m| Ho$ moMZ, `mO Xa, moMZ Ad{Y, B{$Q>r eoàm|/A{YmZr
eoàm| H$s g`m `m {V^y{V`m| Ho$ n[aMVZ `m moMZ `m arH$aU na A` {V^y{V`m|,
y`, {V^y{V`m| Ho$ {ZJ/n[adVZ na r{` `m ~>m `mO Xa, n[adVZ Ad{Y
[aH$mS> VmarI `m ~hr ~Xr Ho$ {ZYmaU Ama g~{YV `m mg{JH$ mbo, ^maV Ama
/ AWdm {dXoe | EH$ go A{YH$ Q>mH$ EgM|O | {bpQ>J {H$`m OmZm em{b h,
Ogm {H$ ~moS> AnZo nyU {ddoH$ | C{MV gPo&''
RESOLVED FURTHER THAT, the Board be and is hereby authorized to

enter into and execute all such arrangements with any Lead Manager(s),
Banker(s), Underwriter(s), Depository (ies) and all such agencies as may
be involved or concerned in such offering of aforesaid Securities and
to remunerate all such institutions and agencies by way of commission,
brokerage, fees or the like and also to enter into and execute all such
arrangements, agreements, memoranda, documents, etc., with such
agencies.
RESOLVED FURTHER THAT, for the purpose of giving effect to the
above, the Board, in consultation with the Lead Managers, Underwriters,
Advisors and / or other persons as appointed by the Bank, be and is
hereby authorized to determine the form and terms of the issue(s),
including the class of investors to whom the aforesaid Securities are
to be allotted, their number to be allotted in each tranche, issue price
(including premium, if any), face value, premium amount on issue/
conversion of Securities/exercise of warrants/redemption of Securities,
rate of interest, redemption period, number of equity shares /preference
shares or other securities upon conversion or redemption or cancellation
of the Securities, the price, premium or discount on issue/conversion of
Securities, rate of interest, period of conversion, fixing of record date or
book closure and related or incidental matters, listings on one or more
stock exchanges in India and / or abroad, as the Board in its absolute
discretion deems fit.
RESOLVED FURTHER THAT, such of the aforesaid Securities as are
not subscribed may be disposed off by the Board in its absolute discretion
in such manner, as the Board may deem fit and as permissible by law.
""`h ^r gH$n nm[aV {H$`m OmVm h {H$ Eogo Cn`w$ {V^y{V`m| | go `{X H$moB
A{^XV Zht h Vmo ~moS> mam Ogm C{MV gPm OmE Ama {d{Y mam AZwVmZwgma
~moS> Ho$ nyU {ddoH$ na Cgo {ZnQ>m`m Om gH$Vm h&''
RESOLVED FURTHER THAT, for the purpose of giving effect to this

Resolution, the Board, be and is hereby authorised to do all such acts,
deeds, matters and things as it may in its absolute discretion deem
necessary, proper and desirable and to settle any question, difficulty
or doubt that may arise in regard to the issue, of the shares/ securities
and further to do all such acts, deeds, matters and things, finalize and
execute all documents and writings as may be necessary, desirable or
expedient as it may in its absolute discretion deem fit, proper or desirable
without being required to seek any further consent or approval of the
shareholders or authorise to the end and intent, that the shareholders
shall be deemed to have given their approval thereto expressly by the
authority of the Resolution.
""`h ^r gH$n nm[aV {H$`m OmVm h {H$ Bg gH$n H$mo ^mdr ~ZmZo Ho$ Co` go
~moS>, A~ Ama BgHo$ mam Eogo g^r `mdhmam|, H$m`m], mbm| Ama ~mVm| Ho$ {bE
m{YH$V h Omo CgHo$ gnyU {ddoH$m{YH$ma | C{MV, ghr Ama dmN>Zr` gPo OmE
Ama eoà/{V^y{V Ho$ {ZJ go g~{YV CR>o {H$gr Z, Agw{dYm AWdm gXoh H$mo
{ZnQ>mZo Ama AmJo ^r Eogo g^r `dhmam|, H$m`m], mbm| Ama ~mVm| H$mo H$aZo, Ogm
^r Amd`H$, dmN>Zr` AWdm C{MV hmo, g^r XVmdoO Ama boIZ H$mo A{V
$n XoZo Ama {Znm{XV H$aZo, Ogm {H$ gnyU {ddoH$m{YH$mar | C{MV, ghr AWdm
dmN>Zr` hmo {Og| eoàYmaH$m| go AmJo AZwmoXZ AWdm gh{V boZo H$s Amd`H$Vm
Z hmo AWdm BgHo$ {bE A{YH$V hmo Ama Bg `moOZ hoVw eoàYmaH$m| Zo gH$n Ho$
m{YH$ma go n> $n go BgHo$ {bE AnZm AZwmoXZ {X`m hmo&''
RESOLVED FURTHER THAT, the Board be and is hereby authorized

to delegate all or any of the powers herein conferred to the Managing
Director & CEO or to the Executive Director/(s) to give effect to the
aforesaid Resolutions.
""`h ^r gH$n nm[aV {H$`m OmVm h {H$ Cn`w gH$nm| H$mo ^mdr ~ZmZo Ho$ {bE
{ZXoeH$ S>b H$mo BgHo$ mam Xm g^r `m {H$gr A{YH$mar H$mo ~H$ Ho$ ~Y {ZXoeH$
Ed grBAmo AWdm H$m`nmbH$ {ZXoeH$/(H$mo) H$mo `m`mo{OV H$aZo hoVw m{YH$V
{H$`m OmVm h&''

~moS> Ho$ AmXoemZwgma
By order of the Board
WmZ:w~B
{XZmH$: 18/06/2015

({~. nr. em)

~Y {ZXoeH$ Ed grBAmo
Place: Mumbai
Date: 18/06/2015
(B.P.Sharma)
Managing Director & CEO
/ BANK OF INDIA

Notes.
1. APPOINTMENT OF PROXY
{Q>n{U`m :
1. namojr H$s {Z`w{$
~R>H$ | ^mJ boZo VWm VXmZ Ho$ hH$Xma eoàYmaH$ AnZo WmZ na ^mJ boZo
VWm VXmZ hoVw EH$ namojr AWdm A{YH$V {V{Z{Y {Z`w$ H$a gH$Vo h&
namojr $m H$mo ^mdr ~ZmZo Ho$ {bE g~{YV $m Cg| {ZYm[aV WmZ na
dm{fH$ Am ~R>H$ Ho$ H$ go H$ 4 (Mma) {XZ nyd AWmV gmodma {XZmH$
13 OwbmB, 2015 H$mo `m Cggo nhbo ~H$ Ho$ H$mamo~ma H$s g` gm hmoZo go
nhbo Ad m hmo OmZm Mm{hE&
2. m{YH$V {V{Z{Y H$s {Z`w{$
H$moB ^r `{$, Omo {H$gr Eogr H$nZr `m A` {H$gr {ZH$m`-H$nZr Omo ~H$ H$s
eoàYmaH$ h, H$m {d{YdV m{YH$V {V{Z{Y h, mam Am ~R>H$ Ho$ VmarI go
4 (Mma) {XZ nhbo, AWmV gmodma {XZmH$ 13 OwbmB, 2015 H$mo `m Cggo
nhbo ~H$ Ho$ H$mamo~ma Ho$ g` Ho$ gm hmoZo go nhbo ~H$ Ho$ YmZ H$m`mb`
|, {Og ~R>H$ | Cgo m{YH$V {V{Z{Y Ho$ n | {Z`w$ H$aZo H$m gH$n
nm[aV {H$`m J`m Wm, Ho$ A`j mam C$ gH$n H$s m{UV g` {V{b{n
`{X VwV Zht H$s OmVr h Vmo Cgo ~R>H$ | CnpWV ahZo H$m, V XoZo H$m
A{YH$ma Zht hmoJm&
3. boIm~Xr
eoàYmaH$m| H$m a{OQ>a, Ed ~H$ H$m eoà AVaU a{OQ>a dm{fH$ Am ~R>H$
Ama bm^me H$m AmH$bZ H$aZo Ho$ Co` go Jbdma 14 OwbmB, 2015 go
gmodma 20 OwbmB, 2015 (XmoZm| {XZ em{b) VH$ ~X ahoJm&
4. nVo | n[adVZ
{OZ eoàYmaH$m| Ho$ nmg eoà {S>oQ> dn | h Ch| AnZo nVo | `{X H$moB
n[adVZ hmo Vmo CgH$s gyMZm CZgo g~{YV gh^mJr {ZjonmJma H$mo XoZr Mm{hE&
{OZHo$ nmg eoà `j n | h, Cho AnZo nVo | n[adVZ H$s gyMZm ~H$ Ho$
nOr`H$ Ed eoà AVaU EO|Q> H$mo {ZpbpIV nVo na XoZr Mm{hE:
ogg eoàmo g{dgog (B{S>`m) m.{b.
`y{ZQ>: ~H$ Am$ B{S>`m,
13, E ~r, g{hVm doàhmCqgJ H$mnbog,
gmH$sZmH$m Q>obr$moZ EgM|O boZ,
AYoar Hw$bm amoS>, gmH$sZmH$m, AYoar nyd,
w~B -400 072.
$moZ- 022-67720300/67720400
$g- 022-28591568
B ob : boi@shareproservices.com
5. CnpW{V nMu-gh-doen
eoàYmaH$m| H$s gw{dYm Ho$ {bE CnpW{V nMu-gh-doen Bg [anmoQ> Ho$ gmW
gb h& eoàYmaH$m|/namo{j`m|/{V{Z{Y`m| go AZwamoY h {H$ do {ZYm[aV WmZ
na hVmja H$a| Ama ~R>H$ Wb na CnpW{V nMu-gh-doen gwnwX H$a
Xo& eoàYmaH$ Ho$ namojr/{V{Z{Y H$mo CnpW{V nMu-gh-doen | "namojr'
AWdm "{V{Z{Y' | go dh {Og n | CnpWV hmo aho hm| CgH$m CoI H$a
XoZm Mm{hE&
6. AXmdmH$V bm^me `{X H$moB hmo
do eoàYmaH$ {Ohm|Zo AnZo bm^me dmaQ> A^r VH$ Zht ^wZmE h / Ch| nhbo
H$s Ad{Y Ho$ H$moB dmaQ> A^r VH$ Zht {bo h Vmo CZgo AZwamoY h {H$ do
dmaQ> H$s AZw{b{n Omar H$aZo Ho$ {bE AVaU EO|Q> go gnH$ H$ao& ~H$H$mar
H$nZr (A{YJhU Ed CnH$m| H$m AVaU) A{Y{Z`, 1970 H$s Ymam 10
~r Ho$ AZwgma bm^me H$s gmV df VH$ AXm am{e `m AXmdmH$V am{e H$nZr
A{Y{Z`, 2013 H$s Ymam 125 Ho$ AVJV H|$ gaH$ma mam J{R>V BdoQ>a
EOwHo$eZ ES> moQ>oeZ $S> (AmBBnrE$) | AV[aV H$aZr hmoVr h&
5
A SHAREHOLDER ENTITLED TO ATTEND AND VOTE AT THE

ANNUAL GENERAL MEETING IS ENTITLED TO APPOINT A
PROXY TO ATTEND AND VOTE ON HIS/HER BEHALF. The Proxy
form, in order to be effective, must be received at the place specified
in the Proxy form not later than 4(four) days before the date of the
Annual General Meeting i.e. on or before the close of banking hours
on Monday, the 13th July 2015.
2.
APPOINTMENT OF AUTHORISED REPRESENTATIVE
No person shall be entitled to attend or vote at the meeting as a duly

authorised representative of a Company or any other Body Corporate
which is a shareholder of the Bank, unless a copy of the Resolution
appointing him/her as a duly authorised representative, certified to
be true copy by the Chairman of the meeting at which it was passed,
shall have been deposited at the Head Office of the Bank not less
than 4 (four) days before the Annual General Meeting on or before the
close of banking hours on Monday, the 13th July 2015.
3.
BOOK CLOSURE
The Register of the Shareholders and the Share Transfer Register of

the Bank will remain closed from Tuesday, July 14th, 2015 to Monday,
July 20th, 2015 (both days inclusive), for the purpose of Annual
General Meeting and for ascertaing the entitlement of dividend.
4.
CHANGE OF ADDRESS
Shareholders holding shares in dematerialized form should

communicate the change of address, if any, to their Depository
Participant. Shareholders who hold shares in physical form should
communicate the change of address to the Registrar and Share
Transfer Agent of the Bank at the following address
M/s. Sharepro Services (India) Pvt. Ltd.,

Unit: Bank of India
13 AB Samhita Warehousing Complex
Off. Andheri Kurla Road
Sakinaka Telephone Exchange Lane
Sakinaka, Andheri East
Mumbai 400 072
Tel : 22- 67720300 / 67720400
Fax : 22 - 28591568
E mail: boi@shareproservices.com
5.
ATTENDANCE SLIP-CUM-ENTRY PASS
For the convenience of the shareholders, Attendance slip-cumEntry pass is annexed to this Report. Shareholders/ Proxy holders/
representatives are requested to affix their signatures at the space
provided therein and surrender the Attendance slip- cum-Entry pass
at the venue. Proxy/Representative of a shareholder should state on
the Attendance slip-cum-Entry pass Proxy or Representative as
the case may be.
6.
UNCLAIMED DIVIDEND IF ANY
The shareholders who have not encashed their Dividend Warrants

/ received for previous periods if any are requested to contact the
Share Transfer Agent of the Bank for issue of duplicate. As per the
Section 10B of the Banking Companies (Acquisitions and Transfer of
Undertakings) Act, 1970, the amount of dividend remaining unpaid
or unclaimed for a period of seven years is required to be transferred
to the Investor Education and Protection Fund (IEPF) established by
the Central Govt. under Section 125 of the Companies Act, 2013.
/ BANK OF INDIA
7. gnyU dm{fH$ [anmoQ>

Omo eoàYmaH$ gnyU dm{fH$ [anmoQ> MmhVo h do hmar do~gmBQ>
www.bankofindia.co.in go S>mCZbmoS> H$a gH$Vo h AWdm
boi@shareproservice.com na B-ob H$a gH$Vo h AWdm H$nZr
g{Md, ~H$ Am$ B{S>`m, gr-5, Or bmH$, ~mm-Hw$bm H$mbog, w~B400 051 H$mo n {bI gH$Vo h&
8. B-dmoqQ>J
gyMZm | C{pIV Xm| na BboQm{ZH$ $n go VXmZ H$aZo hoVw ~H$ Ho$
eoàYmaH$m| Ho$ {bE ~H$ Zo B-dmoqQ>J gw{dYm XmZ H$s h& {Znj Ed nmaXeu
$n go B-dmoqQ>J {H$`m H$m Am`moOZ H$aZo Ho$ {bE ~H$ Zo . BOr bmO, w~B Ho$
AHw$a Hw$ma, A{YdVm> (~ma H$mDpgb nOrH$aU g. EEEM/5718/2011)
H$mo narjH$ Ho$ $n | {Z`w$ {H$`m h& H$Q> Am$ S>oQ> | ~H$ Ho$ eoà `j
AWdm S>rQ> $n | YmaU H$aZo dmbo eoà YmaH$ AnZm dmoQ> BboQm{ZH$ Ho$
m` go S>mb gH$Vo h&
9. B-dmoqQ>J AZwXoe
i) eoaYmaH$ / bm^mWu m{bH$ (BboQm{ZH$ eoàhmopS>mJ Ho$ mbo |) Bg
`moOZ hoVw {Z`V VmarI `Wm 13 OwbmB 2015 (H$Q>-Am$ VmarI ) H$mo
~H$ H$s Xm B{$Q>r eoà nyOr | CZHo$ eoàm| Ho$ AmZwnm{VH$ AmYma na hmoJm
~eV} {H$ ~H$ H$m H$moB eoàYmaH$, Ho$r` gaH$ma H$mo N>moS>H$a, ~H$ Ho$ g^r
eoàYmaH$m| Ho$ Hw$b dmoqQ>J A{YH$ma Ho$ Xg {VeV go A{YH$ CgHo$ mam
Ym[aV {H$gr eoàm| Ho$ g~Y | dmoqQ>J A{YH$mam| Ho$ `moJ Ho$ {bE nm h&
ii) `Wm H$Q>-Am$ VmarI AWmV 13 OwbmB, 2015 H$mo EH$ `{$ {OgH$m Zm
gX`m| Ho$ a{OQ>a | [aH$mS> {H$`m J`m h AWdm {ZjonmJma mam aIo JE
bm^mWu m{bH$ Ho$ a{OQ>a | h, dhr Ho$db B-dmoqQ>J/VXmZ H$s gw{dYm H$m
bm^ CR>m gH$Vm h&
H$moB `{$ Omo ~R>H$ H$s gyMZm o{fV hmoZo Ho$ ~mX ~H$ H$m gX` ~ZVm h
Ama `Wm H$Q> Am$ VmarI AWmV 13 OwbmB 2015 H$mo eoà Ym[aV H$aVm h,
{ZZmZwgma VarHo$ go `yOa AmBS>r Ama nmgdS> m$ H$a gH$Vm h:
[amoQ> dmoqQ>J ~X hmoZo go nm g nhbo eoaYm[aVm Ho$ mUrH$V
mUg{hV H$mo headoffice.share@bankofindia.co.in m S>mH$ mam m
boi@shareproservices.com H$mo {bIZm&
iii) B dmoqQ>J gw{dYm XmZ H$aZo Ho$ {bE ~H$ Zo ZoeZb {g`w[aQ>rO {S>nmOQ>ar
{b{Q>oS> (EZEgS>rEb) H$s godmE m H$s h&
iv) g`w$ YmaH$m| Ho$ mbo |, bmJ-BZ AmBS>r/`yOa AmB S>r VWm nmgdS> eoàm|
Ho$ W YmaH$ H$mo o{fV H$s OmE VXZwgma EZEgS>rEb H$s B-dmoqQ>J godmAm|
Ho$ mam dmoQ> S>mbZodmbo eoàYmaH$m| Ho$ $n | g^r g`w$ YmaH$m| H$s Amoa go
W YmaH$ H$mo dmoQ> `yOa AmB S>r VWm nmgdS> ôOm OmE& W YmaH$ AWmV
eoàm| H$m YmaH$, {OgH$m Zm eoàm| Ho$ W Zm Ho$ $n | nOrH$V h&
v) dmoqQ>J Ad{Y ewH$dma, 17 OwbmB, 2015 H$mo gw~h 10.00 ~Oo ew$ hmoJr
Ama a{ddma, 19 OwbmB, 2015 H$mo gm hmoJr& EZEgS>rEb mam Cgr {XZ
em 05.00 ~Oo B-dmoqQ>J moS>yb H$mo {S>go~b ^r H$a {X`m OmEJm&
vi) `{X Amn B-dmoqQ>J Ho$ {bE EZEgS>rEb | nhbo go hr nOrH$V h Vmo Amn dmoQ>
S>mbZo Ho$ {bE mOyXm `yOa AmBS>r Ama nmgdS> H$m `moJ H$a gH$Vo h&
vii) Ama{^H$ nmgdS> Bg ggyMZm Ho$ AV | XmZ {H$`m J`m h&
viiii) {ZZ{bpIV URL:https://www.evoting.nsdl.com/ Q>mBn H$aHo$ BQ>aZoQ>
~mCga ew$ H$ao&
ix) eoàhmoS>a-bmJBZ na pbH$ H$ao&
x) `yOa AmBS>r Ama Cnamo$ Q>on (i) o ZmoQ> {H$E JE Ama{^H$ nmgdS> H$mo
nmgdS> | S>mbo& bmJBZ na pbH$ H$ao&
xi) nmgdS> M|O o`y {XImB XoJm& AnZr ngX Ho$ nmgdS> go nmgdS> H$mo ~Xb X|
Omo `yZV 8 {S>{OQ> /H$aoQ>a AWdm CZH$m {lU hmoJm& ZE nmgdS> H$mo ZmoQ>
7.
Full Annual Report
Shareholders desirous to have a full Annual Report can download

it from our website www.bankofindia.co.in or send email to boi@
shareproservices.com or letter to the Company Secretary, Bank of
India, C-5, `G Block, Bandra Kurla Complex, Mumbai - 400 051
E-Voting
8.

9.
The Bank is pleased to provide e-voting facility to the shareholders

of the Bank to enable them to cast their votes electronically on the
items mentioned in the notice. The Bank has appointed Ankur
Kumar, Advocate (Bar Council Registration No. MAH/5718/
2011) of M/s. Ezy Laws, Mumbai as the Scrutinizer for
conducting the e-voting process in a fair and transparent manner.
E-voting is optional. Shareholders of the Bank holding shares either
in physical or in dematerialized form, as on the Cut-off date, may
cast their vote electronically.
E-voting Instructions
i) The voting rights of Shareholders/ beneficial owner (in case
of electronic shareholding) shall be in proportion to their
shares of the paid up equity share capital of the Bank as on
13th July 2015 (Cut-off Date) fixed for the purpose. subject to
the condition that no shareholder of the Bank, other than the
Central Government, shall be entitled to exercise voting rights
in respect of any shares held by him in excess of ten percent of
the total voting rights of all the shareholders of the Bank.
ii) A person, whose name is recorded in the register of members
or in the register of beneficial owners maintained by the
depositories as on the cut-off date, i.e. July 13, 2015 only shall
be entitled to avail the facility of e-voting /poll.

Any person who becomes a member of the Bank after dispatch
of the Notice of the Meeting and holding shares as on the cut-off
date i.e. July 13, 2015, may obtain the User ID and password in
the manner as mentioned below:

By writing a mail to the headoffice.share@bankofindia.co.in
or by post with authenticated proof of shareholding or write to
boi@shareproservices.com sufficiently before the closing of
the remote voting.
iii) The Bank has engaged the services of National Securities
Depositories Limited (NSDL) as the Agency to provide
e-voting facility.
iv) In case of Joint holders, login ID/User Id and password details
shall be sent to the first holder of the shares. Accordingly,
the vote using user ID and Password sent to first holder is
recognized on behalf of all the joint holders as the shareholder
who casts the vote through the e-voting services of NSDL, is
doing so on behalf of all joint holders. First holder shall mean
the holder of shares, whose name is first registered against the
shares held.
v) The voting period will commence at 10.00 a.m. on Friday
17th,July, 2015 and will end at 5.00 p.m. on Sunday,
19th July, 2015. The e-voting module shall also be disabled by
NSDL at 5.00 p.m. on the same day.
vi) If you are already registered with NSDL for e-voting then you
can use your existing user ID and password for casting your
vote.
vii) Initial password is provided as below at the bottom of this
communication.
viii) Launch internet browser by typing the following URL: https://
www.evoting.nsdl.com/
ix) Click on Shareholder - Login.
x) Insert user ID and password as initial password noted in step (i)
above. Click Login.
xi) Password change menu appears. Change the password
with new password of your choice with minimum 8 digits/
/ BANK OF INDIA

characters or combination thereof. Note new password. It is
strongly recommended not to share your password with any
other person and take utmost care to keep your password
confidential.
xii) Home page of e-Voting opens. Click on e-Voting: Active Voting
Cycles.
xiii) Select EVEN of 101942.
xiv) Now you are ready for e-Voting as Cast Vote page opens.
xv) Cast your vote by selecting appropriate option and click on
Submit and also Confirm when prompted.
xvi) Upon confirmation, the message Vote cast successfully will
be displayed.
xvii) Once you have voted on the resolution, you will not be allowed
to modify your vote.
xviii)
Institutional shareholders including body corporates (i.e.
other than individuals, HUF, NRI etc.) are required to send
scanned copy (this file be as an attachment in PDF Format)
of the resolution appointing him/her as a duly authorised
representative, certified to be true copy by the Chairman of
the meeting at which it was passed, together with attested
specimen signature of the duly authorized signatory(ies) who
are authorized to vote, to the Scrutinizer through e-mail to
evoting@ezylaws.com / ankur.srivastava@ezylaws.com with a
copy marked to evoting@nsdl.co.in. The file should be named
in the format of the body corporate Name-------------------EVEN
101942. The scanned copies are to be sent as mentioned
above by e-mail, before or immediately after casting the
e-voting. However, in case the same do not reach scrutinizer/
NSDL before closure of e-voting, the e-voting so exercised will
be rejected in computer system.
xix) Shareholders holding multiple folios / demat account shall
choose the voting process separately for each folios / demat
account. However, shareholder may please note that in terms
of Section 3 (2E) of the Banking Companies (Acquisition &
Transfer of Undertakings) Act, 1970, no shareholder other
than Government of India is allowed to exercise voting rights in
excess of 10% of the total shareholding of the Bank.
H$ao& `h {g$m[ae H$s OmVr h {H$ {H$gr ^r `{$ H$mo AnZm nmgdS> Z ~VmE
Ama nmgdS> H$mo JmonZr` aIZo Ho$ {bE nyar gmdYmZr ~aVo&
xii) B-dmoqQ>J H$m hmo noO IwboJm& B-dmoqQ>J na pbH$ H$ao& dmoqQ>J gmBH$b H$mo
g{H$` H$ao&
xiii) 101942 Ho$ EVEN H$m M`Z H$ao&
xiv) A~ Amn B-dmoqQ>J Ho$ {bE V`ma h `m|{H$ H$mQ> dmoQ> noO IwboJm&
xv) C{MV {dH$n H$m M`Z H$aVo hE AnZm dmoQ> S>mb| Ama g~{Q na pbH$ H$a|
VWm mQ> {H$E OmZo na H$$ H$ao&
xvi) nw{>H$aU hmoZo na "vote cast successfully H$m gXoe {XIoJm&
xvii) EH$ ~ma gH$n na dmoQ> S>mbZo Ho$ ~mX AmnH$mo dmoQ> | n[adVZ H$aZo H$s
AZw{V Zht hmoJr&
xviii)
H$mnm}aoQ> {ZH$m` g{hV gWmJV eoàYmaH$ (AWmV `{$JV, EM`yE$,
EZAmaAmB Am{X Ho$ Abmdm) Ho$ {d{YdV {YH$V {V{Z{Y Ho$ $n | {Z`w{$
H$m gH$n, {Og ~R>H$ | nm[aV {H$`m J`m h CgHo$ A`j mam g`m{nV
ghr {V{b{n Ho$ gmW Omo dmoQ> XoZo Ho$ {bE m{YH$V h, Eogo {d{YdV m{YH$V
hVmjaH$Vm(Am|) Ho$ AZwm{UV ZyZm hVmja g{hV H$Z {V (`h $mBb
nrS>rE$ $m}Q> | gb hmo gH$Vr h), Hy${Q>ZmBOa H$mo B-ob Ho$ O[aE
evotingezylaws.com / ankur.srivastava@ezylaws.com ôOr
OmE, {OgH$s {V nsdl.com H$mo ôOr OmE& $mBb H$m Zm Bg $m}Q> |
{X`m OmE H$mnm}aoQ> {ZH$m` H$m Zm EVEN 101942, D$na CopIV H$Z
{V`m B-dmoqQ>J H$aZo go nhbo AWdm H$aZo Ho$ VH$mb ~mX B-ob Ho$ O[aE
ôOr OmZr Mm{hE& VWm{n `{X ò Hy${Q>ZmBOa /EZEgS>rEb Ho$ nmg BdmoqQ>J ~X hmoZo go nhbo Zht nhMVm h Vmo {H$`m J`m B-dmoqQ>J H$`yQ>a mam
AdrH$V H$a {X`m OmEJm&
xix) EH$ go A{YH$ $mo{b`mo/S>rQ> ImVo aIZo dmbo eoàYmaH$ òH$ $mo{b`mo/
ImVo Ho$ {bE AbJ go dmoqQ>J {H$`m H$m M`Z H$a|Jo& VWm{n, eoàYmaH$ H$n`m
ZmoQ> H$a| {H$ ~H$H$mar H$nZr (CnH$m| H$m A{YJhU Ed AVaU) A{Y{Z`,
1970 H$s Ymam 3(2B) Ho$ AZwgma, ^maV gaH$ma Ho$ A{V[a$ {H$gr ^r A`
eoàYmaH$ H$mo ~H$ H$s Hw$b eoàYm[aVm Ho$ 10% go A{YH$ dmoqQ>J A{YH$ma
H$m `moJ H$aZo H$s AZw{V Zht h&
xx) `h gbmh Xr OmVr h {H$ Amn AnZo nmgdS> H$s OmZH$mar {H$gr H$mo Z X| Ama
Cgo {~bHw$b JmonZr` aIo&
xxi) B-dmoqQ>J Ho$ n[aUmm| H$s KmofUm ~H$ mam AnZr do~gmBQ> na H$s OmEJr Ama
CgH$s gyMZm Q>mH$ -EgM|Om| H$mo ^r Xr OmEJr&
xxii) B dmoqQ>J H$aZo dmbo gX` ~R>H$ | ^mJ bo gH$Vo h VWm nwZ: dmoQ> S>mbZo Ho$
nm Zht hm|J| EVmam `h n {H$`m OmVm h {H$ eoàYmaH$m| H$mo B-dmoqQ>J
H$aZm A{Zdm` Zht h VWm EH$ eoàYmaH$ AnZo {ddoH$mZwgma `h gw{dYm m
H$a gH$Vm h Omo C$ d{UV AZwXoem| Ho$ AZwnmbZ Ho$ A`YrZ h&
xxiii) AJa H$moB gdmb hm|, Vmo Amn eoàYmaH$m| Ho$ {bE "Aga nyN>o OmZo dmbo
Z' (E$E`y) Ama www.evoting.nsdl.com go 'Downloads' ^mJ
| eoàYmaH$m| Ho$ {bE CnbY B-dmoqQ>J `yOa ZwAb XoI gH$Vo h&
xxiv) Amn $mo{b`mo Ho$ `yOa mo$mBb `mao | AnZm mo~mBb Z~a Ama B-ob
AmBS>r ^r AnS>oQ> H$a gH$Vo h {OgH$m `moJ ^{d` | ggyMZm ôOZo Ho$ {bE
{H$`m Om gH$Vm h&
10. g^m | VXmZ
H$m`gyMr X na MMm Ho$ nMmV, ~R>H$ Ho$ Aj, g^r Xm| Ho$ g~Y |
VXmZ H$m AmXoe X|Jo& Bg `moOZ hoVw {Z`w {H$E OmZo dmbo OmMH$VmAm|
Ho$ n`dojU | VXmZ hmoJm& VXmZ Ho$ nMmV A`j ~R>H$ H$s gm{ H$s
KmofUm H$a gH$Vo h & VXmZ Ho$ n[aUm Ho$ gmW gH${bV B-dmoqQ>J Ho$ n[aUmm|
H$s KmofUm ~H$ AnZo do~gmBQ> na H$aoJm Ama CgH$s gyMZm Q>mH$ EgM|Om| H$mo
XoJm&
xx) It is strongly recommended not to share your password with

any other person and take utmost care to keep it confidential.
xxi) The results of e-voting will be announced by the Bank in its
website and also informed to the stock exchanges.
xxii) The members who have cast their vote by e-voting may
also attend the Meeting but shall not be entitled to cast
their vote again. It is hereby clarified that it is not mandatory
for a shareholder to vote using the e-voting facility, and a
shareholder may avail of the facility at his/her/it discretion,
subject to compliance with the instructions prescribed above.
xxiii) In case of any queries, you may refer the Frequently Asked
Questions (FAQs) for Shareholders and e-voting user manual
for Shareholders available at the Downloads section of www.
evoting.nsdl.com.
xxiv) You can also update your mobile number and e-mail id in the
user profile details of the folio which may be used for sending
future communication(s).
10. Poll at the Meeting
After the agenda item has been discussed, the Chairman of the Meeting
will order Poll in respect of all the items. Poll will be conducted and
supervised under Scrutinizers to be appointed for the purpose. After
conclusion of the Poll, the Chairperson may declare the meeting as
closed. The Results of the Poll aggregated with the results of e-voting
will be announced by the Bank in its website and also informed to the
stock exchanges.
/ BANK OF INDIA

Subject to receipt of requisite number of votes, the Resolutions shall be
deemed to be passed on the date of the Meeting, i.e. July 20, 2015.
Explanatory Statement for item No. 3
dmoQ> Ho$ Amd`H$ g`m H$s nw{> Ho$ A`YrZ, `h gH$n OwbmB 20, 2015
H$s ~R>H$ | nm[aV mZm OmEJm&
X g`m 3 Ho$ {bE `m`mH$ {ddaUn
E) ~H$, ~qH$J `dgm` Ed Bggo g~{YV J{V{d{Y`m| H$m H$mamo~ma H$aVm h&
dVmZ |, ~H$ H$s A{YH$V nyOr, ` 3000 H$amoS> h & `Wm {XZmH$ 31 mM,
2015 H$mo ~H$ H$s nS> An B{$Q>r eoà nyOr ` 664.91 H$amoS> h&
~r) dVmZ | hmao ~H$ | ^maV gaH$ma H$s eoà Ym[aVm ` 428.36 H$amoS> h,
Omo ~H$ H$s Hw$b Xm nyOr H$m 64.43 % h& 31 mM, 2015 H$mo nyOrJV
{Z{Y go OmopI ^m[aV AmpV`m {ZZmZwgma h:
{ddaU
am{e
~ogb-III Ho$ VhV nyOrJV {Z{Y
(` H$amoS>m| |) go OmopI ^m[aV AmpV`m| H$m %
OmopI ^m[aV AmpV`m
3,63,523
gmYmaU B{$Q>r nyOr
26,091
7.17
3,618
1.00
A{V[a$ {Q>à- I
29,709
8.17
{Q>à-I nyOr
9,289
2.56
{Q>à -II nyOr
Hw$b nyOr
38,998
10.73
gr) mM 2015 Ho$ XmamZ {V eoà ` 273.50 Ho$ {r` na ` 10/- òH$
Ho$ 2,26,45,502 H$amoS> B{$Q>r eoà Omar {H$E JE (BZ| go EbAmBgr H$mo
2,00,00,000 B{$Q>r eoà Ama X `y B{S>`m E`wa|g H$. {b H$mo 26,45,502
B{$Q>r eoà&)
S>r) ~H$ {dJV H$B dfm] go AmgV d{ Xa Ho$ gmW AmJo ~T> ahm h& b~r
Ad{Y Ho$ ggmYZm| Ed ~moS> mam `Wm{ZYm[aV gmm` CYma Ho$ `moOZm| Ho$
{bE H$amo~ma ~T>mZo hoVw {Z{Y`m| H$s ~T>Vr Amd`H$VmAm| H$s ny{V hoVw, ~H$
$m{b$mBS> BQ>rQ>yeg bog|Q> / $mbmo-AmZ npbH$ Am$a / B{$Q>r
eoàm| H$s {ZOr bog|Q>, {Q>à-1 ~mSg, {Q>à-2 ~mSg, go~r (nyOr
Ed H$Q>Z Amd`H$VmAm| H$m {ZJ) {d{Z`Z, 2009 Ed A~ VH$ `Wm
gemo{YV VWm Bg g~Y | go~r / Ama~rAmB Ho$ {d{Z`Zm|/{Xem{ZX}em| Ho$
AZw$n A{YmZr eoàm| mam {Z{Y`m OwQ>mZo H$m Vmd aIVm h&
B) Vm{dV A{YmZr B`y Ho$ Co` :
nyOr n`mVm go g~{YV ~mgob (II Ed III) AnojmAm| Ho$ AZwnmbZ Ho$
Co` go, nyOr OwQ>mZo H$s gVV Amd`H$Vm ahVr h& Bg H$ma A{OV nyOr
H$m `moJ, ~H$m| H$s nyOr n`mVm ~T>mZo Ama ~H$ H$s gmm` H$mamo~mar
Amd`H$VmAm| H$mo nyam H$aZo Ho$ {bE {H$`m OmEJm&
Bg nyOr n`mVm H$mo AmV[aH$ OZaoeZ Ed Bg {df` na Ama~rAmB Ama
go~r Ho$ {Xem{ZX}em| Ho$ AZwnmbZ AVJV B{$Q>r Ed ~mgob III g{WV F$U
{bIVm|/A{YmZr eoàm| H$mo Omar H$a Ho$ nyam {H$`m Om gH$Vm h&
E$) Cnamo$ H$maUm| go, gb Zmo{Q>g H$s X g`m-3 | C$ gH$n H$mo dm
~ZmZo Ho$ {bE AZwmoXZ {H$`m OmVm h {H$ B`y Ho$ eVm] H$mo A{V $n XoZo hoVw
~moS> H$mo n`m AZwHw$bVm Ed A{YH$ma XmZ H$ao&
{ZXoeH$ S>b eoa YmaH$m| Ho$ AZwmoXZ hoVw gbZ Zmo{Q>g H$s X g. 3 | C{pIV
{deof gH$n H$s {g$m[ae H$aVo h&
a) The Bank is in the business of the banking and related activities.

Presently, the Authorized Capital of the Bank is ` 3000 Crore. The
Paid-up Equity Share Capital of the Bank as on 31st March 2015 was
` 664.91 Crore.
b) Presently, the shareholding of Government of India in our Bank is
` 428.36 Crore which constitute 64.43% of total paid up capital
of the Bank. The capital funds to Risk Weighted Assets as on
31st March 2015 is as under:
Particulars
Risk Weighted Assets

Common Equity Capital
Additional Tier-I
Tier-I Capital
Tier-II Capital
Total Capital
3,63,523
26,091
3,618
29,709
9,289
38,998
% of capital funds to risk

weighted assests under
Basel-III
7.17
1.00
8.17
2.56
10.73
c) Preferential Allotment of equity by issue of 2,26,45,502 Crore Equity

Shares of ` 10/- each at a premium of ` 273.50 per share was made
during March 2015 (of which 2,00,00,000 Equity Shares to LIC and
26,45,502 Equity Shares to The New India Assurance Co.Ltd).
d) The Bank is growing at steady pace for last many years. In order to
meet the growing requirement of funds for expanding the business
by way of long term resources and for general lending purpose as
may be decided by the Board, the Bank proposes to raise funds
by way of Qualified Institutions placement/ Follow on public officer
/ Private placement of Equity Shares, Tier-I Bonds, Tier-II Bonds,
Preference Shares in accordance with Securities and Exchange
Board of India (Issue of Capital and Disclosure Requirements)
Regulations 2009 and as amended upto date and other applicable
Regulations / Guidelines of SEBI/RBI in this regard.
e) Object of the Proposed Issue:

With a view to comply with Basel (II & III) requirements relating to
capital adequacy, there is an ever increasing need to raise capital.
The capital raised would utilize to shore up the capital adequacy of
the Bank and to fund the general business needs of the Bank.
This capital requirement can be met by a combination of internal

generation, issuance of equity and BASEL III compliant debt
instruments/ preference shares subject to RBI and SEBI guidelines
on the subject.
f)
For reasons aforesaid, the enabling resolution as set out in item No.
3 of the accompanying notice is therefore recommended to provide
adequate flexibility and discretion to the Board to finalize the terms
of the issue(s).
The Board of Directors recommends the Special Resolution set out at
Item No.3 of the accompanying Notice for approval of the shareholders.
None of the Directors / Key Managerial Personnel of the Bank / their
relatives are, in any way concerned or interested, financially or otherwise,
(except their shareholding in the bank) in the said resolution.
H$moB ^r {ZXoeH$ / ~H$ Ho$ w ~YH$s H$m{H$ / CZHo$ [aVoXma, (~H$ | CZH$s
eoa Ym[aVm Ho$ Abmdm) {H$gr ^r H$ma go {dVr $n go m AWm, H${WV
gH$n go g~ m {hV~ Zht h&
WmZ: w~B
{XZmH$:18/06/2015
Amount
` In Crores
By order of the Board
Place: Mumbai
({~. nr. em)

~Y {ZXoeH$ Ed grBAmo
Date: 18.06.2015

(B.P.Sharma)
Managing Director & CEO
/ BANK OF INDIA
{ZXoeH$ [anmoQ> H$s {deofVmE

{ZXoeH$ S>b 31 mM, 2015 H$mo gm df Ho$ {bE ~H$ H$s boImnar{jV boIm {ddaU
Ho$ gmW dm{fH$ [anmoQ> ghf VwV H$aVm h &
H$m`{ZnmXZ H$s w` ~mV|- {dmr` mZXS>
Hw$b H$mamo~ma (Om+ A{J) 10.60 % (df-Xa-df) H$s d{ XO H$aVo hE ~T>H$a
` 9,43,633 H$amoS> na Om nhMr&
n[aMmbZ bm^ Ama {Zdb bm^ H$mZwgma `$7,488 H$amoS> Ama ` 1,709 H$amoS> ahr&
Ho${S>Q> Om AZwnmV {nN>bo df H$s 78.88 % H$s VwbZm | 77.41% ahm&
IwXam F$U `Wm 31 mM 2015 H$mo ` 34,153 H$amoS> ahm {Og| 15.38 % d{ XO
H$s JB Omo {dmr` df 15 | ~H$ Ho$ gH$b Kaoby F$U H$m 11.80% h&
EEgEB F$U `Wm 31 mM 2015 H$mo ` 54,406 H$amoS> ahm {Og| 20.68 % d{
XO H$s JB Omo {dmr` df 15 | ~H$ Ho$ gH$b Kaoby F$U H$m 18.79 % h&
{Zdb `mO m{OZ (EZAmBE) {dmr` df 15 Ho$ XmamZ d{dH$ n[aMmbZ Ho$ {bE
2.11 % Ama Kaoby n[aMmbZ Ho$ {bE 2.49 % ahm&
{Zdb A{J H$s VwbZm | {Zdb EZnrE {nN>bo df 2.00 % H$s VwbZm | Bg df
3.36% ahm&
nyOr n`mVm AZwnmV (grAmaEAma) ~mgob III Ho$ AZwgma 10.73 % ahm &
{Zdb m{b`V gwYaH$a ` 26,494 H$amoS> hB Ama Bg| {nN>bo df H$s VwbZm |
7.95 % d{ XO H$s JB&
~hr y` {nN>bo df ` 381.69 go gwYaH$a ` 398.02 hmo JB&
{V H$Mmar H$mamo~ma {nN>bo df Ho$ XmamZ ` 19.63 H$amoS> go ~T>H$a ` 20.69 H$amoS>
hmo Jm&
Hw$N> {dmr` AZwnmV ZrMo VwV {H$E JE h :
(% |)
mZXS>
A{J na Am`
wI {dmr` S>mQ>m

(am{e ` H$amoS> |)
{ddaU
{Zdb `mO Am`
Ja-`mO Am`
n[aMmbZ ``
n[aMmbZ bm^
mdYmZ / AmH$pH$VmE
{Zdb bm^
{V eoà Am` (`)
{V eoà ~hr y` (`)
2013-14
10,831
4,292
6,700
8,423
5,694
2,729
44.74
381.69
2014-15
11,344
4,233
8,089
7,488
5,779
1,709
26.57
398.02
d{ (%)
4.74
-1.37
20.73
-11.10
1.49
-37.38
-40.61
4.28
IS>dma H$m`{ZnmXZ
{dmr` df 2014-15 Ho$ XmamZ ~H$ Zo ` 7,488 H$amoS> H$m n[aMmbZ bm^ A{OV
{H$`m& {Zdb bm^ | QoOar {d^mJ H$m `moJXmZ ` 1,510 H$amoS> Wm, WmoH$ ~qH$J H$m `
750 H$amoS> Ama [aQ>ob ~qH$J H$m ` 132 H$amoS ahm& AmnHo$ ~H$ Zo AZm~{Q>V H$m
` 597 H$amoS> Ama H$a Ho$ mdYmZ hoVw ` 86 H$amoS> KQ>mZo Ho$ ~mX ` 1709 H$amoS> H$m H$a
nMmV bm^ A{OV {H$m&
bm^me
nyOr gJhU Ho$ CXo go, {ZdoeH$ S>b Zo ` 5/- {V eoà (` 10/- {V eoà Ho$ A{H$V
y` na) Ho$ bm^me H$s AZwegm H$s h & gJ Xo` bm^me H$s am{e ` 399.72 H$amoS>
(bm^me {dVaU H$a g{hV) hmoJr&
2013-14 2014-15
8.45
8.36
{Zdoe na Am`
8.12
8.08
nyOr
{Z{Y`m| na Am`
7.19
7.13
Om am{e`m| H$s bmJV
5.62
5.70
{Z{Y`m| H$s bmJV
5.14
5.27
{Zdb `mO m{OZ
2.34
2.11
AmnHo$ ~H$ H$s {Zdb m{b`V {dmr` df 2014-15 Ho$ XmamZ ` 24,543 go ~T>H$a `
26,494/- hmo JB& df Ho$ XmamZ, ~H$ Zo ` 10/- òH$ Ho$ ` 283.50 H$s H$sV go
2,26,45,502 B{$Q>r eoà Omar {H$E {OZH$s gH$b am{e ` 642 H$amoS> h (2,00,00,000
B{$Q>r eoà EbAmBgr H$mo Ama 26,45,502 B{$Q>r eoà {X `y B{S>`m E`moag H$nZr
{b. H$mo)&
64.06
52.33
AmgV H$mèrb {Z{Y Ho$ {V A` Am`
0.81
0.66
df Ho$ XmamZ, ~H$ Zo H$mb {dH$n Ho$ gmW ` 2500 H$amoS> Ho$ ~mgob-III Ho$ AZw$n Wm`r
A{V[a$ {Q>à-I ~mS> ^r Omar {H$E h&
AmgV H$mèrb {Z{Y Ho$ {V n[aMmbZ ``
1.27
1.33
nyOr n`mVm
AmgV H$mèrb {Z{Y Ho$ {V Q>m$ ``
0.76
0.82
AmgV H$mèrb {Z{Y H$s VwbZm | A` n[aMmbZ ``
0.51
0.51
AmpV Cn`moJ AZwnmV
1.60
1.23
Hw$b Am` H$s VwbZm | Ja-`mO Am`
10.17
8.88
~mgob-III H$s $naoIm Ho$ AZwgma, ~H$ H$m nyOr n`mVm AZwnmV 10.73% Wm Omo 9%
H$s {d{Z`mH$ AmdH$Vm go A{YH$ Wm& nyOr n`mVm (~mgob II Ed III) H$m `moam
{ZZmZwgma h&
(` H$amoS> |)
{Zdb Am` H$s VwbZm | Ja-`mO Am`
28.38
27.17
bmJV- Am` AZwnmV
44.30
51.93
B{$Q>r na {V$b (%)
11.82
6.70
0.51
0.27
{Q>à I nyOr
26,248
7.56
29,864
8.23%
bmJV- Am` AZwnmV
44.30
51.93
{Q>à II nyOr
11,103
3.20
11,554
3.19%
B{$Q>r na {V$b (%)
11.82
6.70
Hw$b nyOr
37,351
10.76
41,418
11.42%
0.51
0.27
OmopI ^m[aV AmpV`m
347,014
------
n[aMmbZ ``m| Ho$ {V Ja `mO Am`
AmgV AmpV`m| na {V$b (%)
AmgV AmpV`m| na {V$b (%)
{ddaU
(~mgob II Ho$ VhV)
31.03.2014
am{e
31.03.2015
grAmaEAma
(%)
am{e
grAmaEAma
(%)
362,726 -------
/ BANK OF INDIA

(` H$amoS> |)
{ddaU
(~mgob III Ho$ VhV)
31.03.2014
am{e
grAmaEAma
(%)
23,771
6.84%
gmYmaU B{$Q>r {Q>à-I

nyOr (grBQ>r 1)
1,389
A{V[a$ {Q>à I
{Q>à I nyOr
25,160
{Q>à II nyOr
9,499
gV nyOr
34,659
OmopI ^m[aV AmpV`m 3,47,702
0.41%
7.25%
2.73%
9.98%
--
{dm mb` Ho$ {Xem{ZX}em| Ed AZwgemAm| Ho$ AZwgma hmar H$mnm}aoQ> do~gmBQ>
(AJoOr) H$mo {dH$bmJ `{$Am| Ho$ {bE g{WV {H$`m J`m h&
BQ>aZoQ> ~qH$J nmgdS> Ho$ Cn`moJ go S>o{~Q>-gh-EQ>rE H$mS> H$mo hmQ>{bQ> H$aZm / {nZ
[agoQ> AWdm AZbmH$ AWdm ~XbZm
d` godm {H$AmoH$ - ~maH$moS> g{WV nmg~wH$ qQ>a
Eg~r/grS>r/AmoS>r ImVm| | eofam{e OmZZo hoVw {gH$mb gw{dYm
BQ>aZoQ> ~qH$J go nrnrE$ ImVm | AmZbmBZ am{e Om H$aZo H$s gw{dYm
AmBEQ>r H$m Ama^ - BQ>Q> Zr Qm$a
~rAmoAmB B{Ono - `{$ go `{$ ^wJVmZ gmYmZ H$m Ama^
no|Q> JoQ>do gmYmZ
E{dgm - `h `{$ go `mnmar H$mo mo~mBb go mo~mBb na {H$`m J`m ^wJVmZ gmYmZ h&
nodod - Q>n ES> Jmo (gnH$ a{hV ^wJVmZ Um{b)
B$mo{gg Ho$ gmW {deof $n go `wdm ~qH$J gmYmZ H$m Ama^
no b{Q>Z S>o{~Q> H$mS>
emImAm| go AmBEnrEg gw{dYm
mo~mBb ~qH$J | {~b ^wJVmZ gw{dYm
B-dmboQ> (AmBgrAmBgrAmB - nmHo$Q> Ama EMS>rE$gr - {Ma Ho$ gmZ)
B-H$mg Ho$ {bE dMwAb H$mS>
31.03.2015
am{e
grAmaEAma
(%)
26,091
7.17%
3,618
29,709
9,289
38,998
363,523
1.00%
8.17%
2.56%
10.73%
nwaH$ma Ed gmZ
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nwaH$ma m hE&
aZa An loUr Ho$ VhV "lo> Amdmg F$U XmVm' Ho$ {bE ~H$ H$mo "AmCQ>bwH$ Zr
nwaH$ma' m hAm&
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gmamoh | ~H$ H$mo "{dmr` gmdoeZ Ama ^wJVmZ Umbr nwaH$ma' m hAm&
H|$r` r Or go ~H$ H$mo "YmZr OZ-YZ `moOZm lo>Vm nwaH$ma' m hAm&
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AmB~rE nwaH$ma m hAm&
~H$ H$mo H$mM Jwn H$s Amoa go "{dmr` gmdoeZ gKZrH$aU nwaH$ma' m hAm&
~H$ | nmaX{eVm Ho$ ^mdr H$m`md`Z Ho$ {bE ~H$ H$mo BQ>rZm Ed drEdoà H$s Amoa
go "AmBQ>r lo>Vm nwaH$ma' m hAm&
"Q>maQ>moH$Z EZOr CnmX' Ho$ {bE ~H$ H$mo grAmBAmo100 2014 nwaH$ma m hAm&
w~B | ~qH$J ${Q>`g H$s Amoa go ~H$ H$mo "lo> mZd ggmYZ VH$ZrH$s nwaH$ma,
2014' m hAm&
VH$ZrH$s g{WV godmAm| Ho$ gmW ~qH$J H$m ZdrH$aU:
EQ>rE - am>r` {dmr` drM (EZE$Eg) H$m gX`, ~H$ Ho$ JmhH$ Xoeâ Ho$
1,40,000 go A{YH$ EQ>rE H$m Cn`moJ H$a gH$Vo h&
~H$ Zo Mrn AmYm[aV S>o{~Q> Ama Ho${S>Q> H$mS> Omar H$aZm ew {H$`m h&
~H$ Zo no bQ>$m Ho$ {bE B-H$mg g`dhma EZo~b {H$E h&
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10
/ BANK OF INDIA

HIGHLIGHTS OF DIRECTORS REPORT
The Board of Directors have pleasure in presenting the Banks Annual

Report along with audited statement of accounts for the year ended
31st March, 2015.
Key Financial Data

(` In crore)
Particulars
2013-14
2014-15
Growth (%)
Net Interest Income
10,831
11,344
4.74
Non-Interest Income
4,292
4,233
-1.37
Operating Expenses
6,700
8,089
20.73
Operating Profit
8,423
7,488
-11.10
Provisions / Contingencies
5,694
5,779
1.49
Retail Credit as on 31 March 2015 stood at ` 34,153 crores,

posted a growth of 15.38% constituting 11.80% of your Banks
Gross Domestic Credit in FY 15.
Net Profit
2,729
1,709
-37.38
Earnings per share (`)
44.74
26.57
-40.61
MSME Credit as on 31 March 2015 stood at ` 54,406 crores

posted a growth of 20.68% constituting 18.79% of your Banks
Gross Domestic Credit in FY 15.
Book value per share (`)
381.69
398.02
4.28
PERFORMANCE HIGHLIGHTS - FINANCIAL PARAMETERS

Total Business (Deposit + Advances) increased to ` 9,43,633

crores reflecting a growth of 10.60% (y-o-y).
Operating Profit and Net Profit were at ` 7,488 crores and ` 1,709
crores respectively.
Credit Deposit Ratio stood at 77.41% as against 78.88% during last
year.
st
st
SEGMENT- WISE PERFORMANCE
Capital Adequacy Ratio (CRAR) as per Basel III stood at 10.73%.
The Bank earned an Operating Profit of ` 7,488 crores during the

financial year 2014-15. The contribution made to Net Profit by Treasury
operations was ` 1,510 crores, wholesale Banking was ` 750 crores
and Retail Banking was ` 132 crores. Your Bank earned a profit after
Tax (PAT) of ` 1,709 crores, after deducting ` 597 crores of un allocated
expenditure and ` 86 crores towards provision for tax.
DIVIDEND
Net Interest Margin (NIM) for Global Operations was 2.11 % and for
domestic Operations was 2.49 % during FY 15.
Net NPA to Net Advances stood at 3.36% as against 2.00% during

last year.
Net Worth improved to ` 26,494 crores and registered a rise of
7.95% over last year.
Book Value improved to ` 398.02 from ` 381.69 during last year.

Business Per Employee moved up to ` 20.69 crores from ` 19.63
crores during last year.
Some of the Key Financial Ratios are presented below:
(In %)
Parameters
Your Banks Directors have recommend dividend of ` 5 /- per share

(on the face value of ` 10/- per share) subject to GOI approval. The
Total dividend payment will amount to ` 399.72 crore (including dividend
distribution tax).
CAPITAL
Net worth of your Bank has increased to ` 26,494 crores from ` 24,543
crores during the financial year 2014-15. During the year, the Bank has
issued 2,26,45,502 Equity Shares of `10/- each at a price of ` 283.50
per share total amounting to ` 642 crores ( 2,00,00,000 equity shares to
LIC and 26,45,502 equity shares to The New India Assurance Co. Ltd.).
2013-14
2014-15
Yield on Advances
8.45
8.36
Yield on Investment
8.12
8.08
Yield on Funds
7.19
7.13
Cost of Deposits
5.62
5.70
During the year, the Bank has also issued Basel-III Compliant perpetual
Additional Tier-I bonds of ` 2,500 crores with call option.
Cost of Funds
5.14
5.27
CAPITAL ADEQUACY
Net Interest Margin
2.34
2.11
64.06
52.33
As per Basel III framework, Banks Capital Adequacy Ratio was 10.73%
which was higher than the regulatory requirement of 9%. Details of
Capital Adequacy (BASEL II & III) are shown as under:
Non Interest Income to Operating

Expenses
Other Income to Average Working Fund
0.81
0.66
Operating Expenses to Average Working

Fund
Staff Expenses to Average Working Fund
1.27
1.33
0.76
0.82
Other operating Exp. to Average Working

Fund
Asset Utilisation Ratio
0.51
0.51
1.60
1.23
Non-Interest Income to Total Income
10.17
8.88
Non-Interest Income to Net Income
28.38
27.17
Cost to Income Ratio
44.30
51.93
Return on Equity
11.82
6.70
0.51
0.27
Return on Average Assets
(` In crore)
Particulars
(Under BASEL II)
31.03.2015
Amount
CRAR
(%)
Amount
CRAR
(%)
Tier I Capital
26,248
7.56
29,864
8.23%
Tier II Capital
11,103
3.20
11,554
3.19%
Total Capital
37,351
10.76
41,418
11.42%
347,014
------
362,726
-------
Risk Weighted Assets
11
31.03.2014
/ BANK OF INDIA

(` In crore)
Particulars
(Under BASEL III)
31.03.2014
BOI
Sandesh on Line SMS based alerts for ATM Financial
Transactions & Internet Banking Funds Transfer.
31.03.2015
As per Finance Ministry Guidelines and recommendations our

corporate web-site (English) has been enabled for persons with
disabilities.
Amount
CRAR
(%)
Amount
CRAR
(%)
23,771
6.84%
26,091
7.17%
1,389
0.41%
3,618
1.00%
Hot listing / reset / unblock / change of Debit-cum-ATM Card pin

using Internet Banking Password.
Tier I Capital
25,160
7.25%
29,709
8.17%
Self Service Kiosks Bar-coded passbook printers.
Tier II Capital
9,499
2.73%
9,289
2.56%
Missed call facility to know the balance in SB/CD/OD accounts.
Total Capital
34,659
9.98%
38,998
10.73%
347,702
--
363,523
Common Equity Tier-I

Capital (CET 1)
Additional Tier-1
Risk weighted Assets
Online Deposit in PPF A/c using internet banking.

Introduction of IMT Instant Money Transfer.
BOI
AWARDS & ACCOLADES
EazyPay Person to Person Payment Solution launched.
Payment Gateway Solution.
Bank received Best MSME Bank and Best Bank for

Operational Performance awards.
mVisa - this is mobile to mobile payment solution from Person to

Merchant.
Bank received Outlook Money Award for Best Home Loan

Provider under Runner up category.
PayWave Tap and go (contactless payment system)
Financial Inclusion & Payment System Award by Elets Media

at New Delhi at the hands of Minister of Rural Development.
Introducing exclusive Youth Banking Solution with Infosys.
Bank received PMJDY Excellence Award from Honorable Union

Minister.
IMPS facility through Branches.
Bank received IBA Award for Best Financial Inclusion

Technology Initiative from IDRBT.
e-Wallet (similar to ICICI Pocket and HDFC Chillr).
RuPay Platinum Debit Cards.

Bill payment facility in Mobile Banking.
Virtual Cards for e-commerce.
Bank received Skoch Group Financial Inclusion Deepening

Award.
DIRECTORS RESPONSIBILITY STATEMENT
Bank won IT excellence award by ETNOW and VMWare for

effectively implementing Virtualization in the Bank.
The Directors confirm that in the preparation of the annual accounts for
the year ended March 31, 2015:
Bank received the Award CIO100 2014 for the Product Startoken
NG.
a) The applicable accounting standards had been followed along with

proper explanation relating to material departures, if any;
Bank received Best HR Technology award, 2014 from Banking

Frontiers at Mumbai.
ATM Member of National Financial Switch (NFS), Banks Customer
can access more than 1,40,000 ATMs across the country.
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, 2015;
Bank has launched chip based Debit and Credit cards.
c)
Redefining banking standard with Techno Enabled Services
BOI has enabled E-commerce transactions of Rupay platform.

Look and Feel of Internet Banking with two Factor Authentication
Implemented for its clientele.
Online Term Deposit Facility with online nomination facility.
BOI e-Pay Payment of Utility Bills, Insurance Premia, Credit Card
payments of Specified Banks Property Tax of Specified Municipal
Corporations etc.
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)
12
Proper systems have been devised to ensure compliance with the

provisions of all applicable laws and that such systems were
adequate and operating effectively.
/ BANK OF INDIA
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13
/ BANK OF INDIA
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~Jbw$, hXam~mX, AhXm~mX VWm nwUo H$mo godmE XmZ H$aVr h& C$- g{hV eof
wI H$mamo~ma H$mo 41 {S> H$mnm}aoQ> emImE nyam H$a ahr h &
A` Ho$m| | H$monm}aQ>m| H$s godm Ho$ {bE 30 EgEB {g{Q> g|Q>a h Omo Ho${S>Q>
mogoqgJ gob go gpmV h&
~hX H$mnm}aoQ>
Hw$b Kaoby A{J | ~hX H$mnm}aoQ> emImAm| Ho$ O[aE `Wm 31.03.2015 H$mo A{J
H$m eoà 41% h& Ebgr~r Ho$ mam H$mnm}aoQ> jo | A{J 31.03.2014 H$mo
` 1,10,651 H$amoS> go ~T>H$a 31.03.2015 H$mo ` 1,19,675 H$amoS> hmo J`m
Omo {nN>bo df H$s VwbZm | 8.16% d{ h & ~hX H$mnm}aoQ> emImE CZ ~hX
H$mnm}aoQ>m| H$mo godmE XmZ H$aVr h {OgH$s Hw$b {~H$s H$mamo~ma ` 500 H$amoS>
go A{YH$ h, ` 100 H$amoS> go A{YH$ n[a`moOZm bmJV VWm yb^yV gw{dYmE,
EZ~rE$gr VWm nrEg`y h& Bgna {deof `mZ XoZo Ho$ {bE VWm {VdVZ H$mb
H$ H$aZo Ho$ {bE òH$ Ebgr~r | Ho${S>Q> mogoqgJ Ho$ Wm{nV {H$`m J`m h
Omo grYo YmZ H$m`mb` H$mo [anmoQ> H$aVm h&
{S> H$mnm}aoQ>
Hw$b Kaoby F$U nmoQ>$mo{b`mo | 13% H$m `moJXmZ {S> H$mnm}aoQ> d{Q>H$b H$m hmoVm
h& {dmr` df 2014-15 Ho$ XmamZ {S >H$mnm}aoQ> emImAm| Ho$ AVJV Hw$b F$U
` 34,923 go ~T>H$a ` 38,345 H$amoS> hmo J`m VWm 9.80 % H$s d{ XO H$s&
Z`m H$mamo~ma {d^mJ
Z`m H$mamo~ma {d^mJ H$s WmnZm OZdar 2014 | H$s JB Wr Ama CgH$m Com` Eogo
nrEg`y, {S> Ed bmO H$mnm}aoQ>m| Ho$ gmW H$mamo~mar [amVm Wm{nV H$aZm Wm {OZHo$
gmW hmam H$moB H$mamo~mar [amVm Z hmo Ama Ch| AZoH$m| ~qH$J godmE CnbY
H$amZm JmhH$ H$s Amd`H$VmAm| Ho$ AZw$n CnmX V`ma H$aZm, Am{X Wm& Bg
{d^mJ H$m ZoVd EH$ hm~YH$ H$aVo h&
`h {d^mJ AZoH$m| gmdO{ZH$ Ed {ZOr jo Ho$ Cm| Ho$ gmW H$mamo~mar [amVm
~ZmZo | g$b ahm h& AJUr gmdO{ZH$ jo H$s H$n{Z`m| H$mo F$U {dVaU |
A`{YH$ d{ hB h& EH$ `md{Y `moOZm Ho$ $n |, Z`m H$mamo~ma {d^mJ Zo
EH$ ZB `moOZm H$m`mpdV H$s h {OgH$m Co` {S> Ed bmO H$mnm}aoQ> IS> Ho$
`mXm go `mXm ZE JmhH$ A{OV H$aZm h& {d^mJ Zo bJ^J 1200 H$mnm}aoQ>m| Ho$
{dmr` {ddaUm| H$m {dbofU {H$`m h Ama Ch| hmao g^r {S> Ed bmO H$mnm}aoQ>
VWm AmM{bH$ H$m`mb`m| H$mo n[aMm{bV {H$`m h Vm{H$ do H$mnm}aoQ>m| H$s ^mJmo{bH$
CnpW{V Ho$ AZw$n CZgo ma{^H$ gnH$ Wm{nV H$ao&

AVam>r` ~qH$J
31 mM 2015 H$mo {dXoer emImAm| | gH$b Omam{e ` 133907 H$amoS> ahr,
{Og| {nN>bo df Ho$ wH$m~bo ` 20523 H$amoS> (18.10%) H$s d{ XO hB&
Hw$b A{J ` 122211 H$amoS> aho {Og| {nN>bo df H$s VwbZm | ` 10242 H$amoS>
(9.15%) H$s d{ XO hB& {Zdoe ` 4803 H$amoS> ahm& mM 2015 H$mo gm
df Ho$ {bE {dXoer emImAm| H$m n[aMmbZ bm^ ` 1995 H$amoS> ahm {Og| {nN>bo
df H$s VwbZm | ` 564 H$amoS> H$s d{ XemB h& mM 2014 H$s VwbZm | {Zdb
bm^ ` 595 H$amoS> H$s d{ Ho$ gmW ` 1264 H$amoS> hAm&
$moaog H$mamo~ma
~H$ mam {H$E JE $moaog H$mamo~ma | AN>r Imgr d{ n[ab{jV hB h& df
2014-15 Ho$ XmamZ, M]Q> Ama BQ>a ~H$ Q>ZAmoda H$e: ` 1,98,400 H$amoS>
Ama `$5,47,056 H$amoS> Wm& ~H$ $maog H$mamo~ma | A~ ^r AJUr h& df Ho$
XmamZ ~H$ H$s H$mofmJma emIm H$m Hw$b Q>ZAmoda ` 7,45,456 H$amoS> Wm&
QoOar n[aMmbZ
df 2013-14 Ho$ XmamZ ~H$ Zo ~mOma Ho$ g^r jom| AWmV {Z{Y`m|, $maog VWm
~mSg | g{H$` ^y{H$m {Z^mB h& gaH$mar {V^y{V`m| H$s Xa J{V{d{Y go bm^ boVo
hE ~H$ Zo AnZo {Zdoe g{d^mJ H$mo gwYmam VWm {V^y{V`m| H$s {~H$s Ed `dgm`
go bm^ A{OV {H$E& ~H$ Zo df 2013-14 H$s VwbZm | {dmr` df 2014-15 |
{V^y{V`m| H$s {~H$s go bm^ | 26.12 % d{ XO H$s h& ~H$ Zo {d{dY ~mOma
jom| Ho$ `V AVanUZ Adga H$m bm^ CR>m`m h {Oggo Om mU-n (grS>r),
{dXoer {d{Z` dn H$s IarX/{~H$s, {`mXr wm ~mOma | A{YH$ n`m {Z{Y
aI nm`m {Oggo 0.50% go 1.00 % H$m oS> m hAm&
JmrU ~qH$J: mW{H$Vm jo A{J:
mWm{H$ m jo Ho$ A{J ~S>m H$mamo~mar mH$m XmZ H$aZo Ho$ Abmdm, `mnH$
gmm{OH$ {OoXm[a`m ^r XmZ H$aVo h& ~H$ JmrU Ed AYehar emImAm| Ho$
AnZo `mnH$ ZoQ>dH$ Ed g{nV H$m{H$m| Ho$ gmW mW{H$Vm m jom| Ama H${f
jom| | godm XmZ H$aZo | AJUr ahm h& ~H$ Zo mW{H$Vm m jo Ho$ AVJV
` 94572 H$amoS> H$m CH$> Va XO {H$`m h Omo gm`mo{OV {Zdb ~H$ F$U
(EEZ~rgr ) H$m 35.20% h& {deof H${f F$U `moOZm Ho$ AVJV ~H$ {dmr` df
2014-15 Ho$ XmamZ `$ 27556 H$amoS> H$m g{dVaU H$a gH$m& {d{^ IS>m| Ho$
AVJV mW{H$Vm jo A{Jm| H$s pW{V {ZZ{bpIV h:
`Wm 31 mM
2014
2015
40211
43183
35503
39822
2597
2872
7517
8374
332
321
86161
94572
(am{e ` H$amoS> |)
d{
am{e
{VeV
2972
7.39
4319
12.16
275
10.59
857
11.40
-11
-3.31
8411
9.76
1. H${f
2. bKw C
3. {ejm
4. Amdmg
5. A`
Hw$b mW{H$Vm jo
{dmr` gmdoeZ
{dmr` gmdoeZ `moOZm (E$AmBnr) 2014-15 Ho$ AVJV J{V {ZZ>Zwgma h :
v Imobo JE ~o{gH$ ~MV ~H$ ImVm| H$s g`m
: 182 bmI
v Omar moQ> H$mS>m] H$s g`mB
: 182 bmI
v ~rEg~rS>r ImVo | Hw$b gJ{hV Omam{e
: 1730 H$amoS>
14
/ BANK OF INDIA
C$ | go YmZ r OZYZ `moOZm Ho$ VhV Imobo JE

ImVo
: 68.53 bmI
v Omar {H$E JE $no H$mS>
: 66.73 bmI
v nrEOoS>rdmB Ho$ VhV Imobo JE ImVm| | gJ{hV eof
: 408 H$amoS>
am{e
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: 23.44 bmI
v bJmE JE H$mamo~mar gnH$r
: 7569
v Jmdm| H$s g`m Ohm 100% {dmr` gmdoeZ m
: 4404
~H$ Zo 31.03.2015 VH$ 2000 go A{YH$ OZg`m dmbo gV 4404 Am~{Q>V
Jmdm| | 100% {dmr` gmdoeZ H$m b` m {H$`m Ama 31.03.2015
VH$ Hw$b 22,824 Jmdm| H$mo H$da {H$`m J`m h & n`m OmopI emH$m| Ed
gdm}m WmAm| dmbr ~ohVarZ n[aMmbZ Um{b`m ~Zm`r JB h Ama Ab |
bm`r Om aht h&
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~H$ Zo 4 (Mma) jor` JmrU ~H$ (AmaAma~r) PmaIS> JmrU ~H$ (PmaIS>
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Xoe) VWm {dX^ H$m|H$U JmrU ~H$ (hmam> am`) | m`mo{OV {H$E h& g^r
AmaAma~r bm^ A{OV H$a aho h& JmrU ~H$m| H$s g^r emImE Ama emg{ZH$
H$m`mb` A~ gr~rEg boQ>$m na h& `h ~H$ AmaQ>rOrEg EZBE$Q>r Ama
EQ>rE godmE XoZo | gW h& gV AmaAma~r H$m emIm {dVma 1557 h {Ohm|Zo
` 35,478 H$amoS> H$m {{lV H$mamo~ma {H$`m h&
[aQ>ob Ho${S>Q>
~H$ H$m [aQ>ob nmoQ>$mo{b`m| ` 29600 H$amoS> go ~T>H$a `Wm 31 mM, 2015 `
34153 H$amoS> hmo J`m& Bg Ad{Y Ho$ XmamZ, [aQ>ob Ho${S>Q> H$s $naoIm ^r nwZ:
n[a^m{fV H$s JB& [aQ>ob Amdmg F$U/gn{m Ho$ {Z{m F$U Ho$ gH$aU Ama
Q>mB-An `dWm Ho$ AVJV dmhZ F$U Ama {ejm F$U Ho$ Vmdm| Ho$ gH$aU
H$mo J{Verb ~ZmZo Ho$ {bE df 2014-15 Ho$ XmamZ wI eham| | arQ>ob H$mamo~ma
H|$m| (Ama~rgr) H$s g`m 23 go ~T>mH$a 49 H$a Xr JB h&
df Ho$ XmamZ, Amdmg F$U jo | 27% J{V XO hB Ama H$mamo~ma ` 13081
H$amoS> go ~T>H$a ` 16664 H$amoS> hmo J`m& df Ho$ XmamZ, {ejm F$U nmoQ>$mo{b`m|
| 10% J{V XO hB Ama H$mamo~ma ` 2652 H$amoS> go ~T>H$a ` 2918 H$amoS> hmo
J`m& dmhZ F$U jo | ^r 16% H$s n`m J{V XO H$s JB Ama df Ho$ XmamZ
H$mamo~ma ` 2351 H$amoS> go ~T>H$a ` 2733 H$amoS> hAm&
df Ho$ XmamZ wI [aQ>ob F$U `moOZmAm| Ho$ g~Y | J{V {ZZmZwgma h:(` H$amoS> |)
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d{ %
31.03.2014 31.03.2015
Q>ma Amdmg F$U
13,081
16664
3583
27
Q>ma gn{m Ho$
2,971
4144
1173
39
{Z{m F$U
Q>ma {ejm F$U
2,652
2918
266
10
Q>ma dmhZ F$U
2,351
2733
382
16
Q>ma `{$JV F$U
927
1085
158
17
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H$mamo~ma d{ : EEgEB CH$>Vm - ` 54506 H$amoS> XO H$aVo hE df Xa

df 20.68% H$s d{&
EEgB Ho$ AVJV H$m`{ZnmXZ : EEgB CH$>Vm - ` 46941 H$amoS> XO

H$aVo hE df Xa df 21.33% H$s d{&
EEgB {d{ZmU jo Zo ` 20095 H$amoS> (mM 2014) go ` 21938 H$amoS>

(mM 2015) H$s d{ Xem`m Omo df Xa df 9.17% H$s d{ h&
EEgB Ho$ AVJV gy jo H$s {hgoXmar mM 2014 Ho$ 47.69% go ~T>H$a

mM 2015 | 48.92% hmo JB&
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93582 ImVm| H$s drH${V H$s JB Omo Wm 31.03.2014 H$s VwbZm |
19.05% H$s d{ h O~{H$ Bg hoVw A{Zdm b 10% h&
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49125 ZE ImVo OmoS>o JE& Hw$b H$m`jo Ho$ AZwgaU | gmdO{ZH$ jo Ho$
~H$m| Ho$ ~rM h Z~a 1 ~Zo aho Omo mM 2015 VH$ ` 12928.54 H$amoS>
Ho$ Hw$b EgnmoOa g{hV 199673 ImVm| Ho$ Va VH$ nhM J`m&
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2014-15 Ho$ XmamZ ` 185.20 H$amoS> grm g{hV 4196 ImVo drH$V hE&
AmpV dgybr Ed EZnrE ~YZ
AZOH$ AmpV`m| (EZnrE) H$m Va {H$gr ^r ~H$ H$s bm^XVm H$m wI AmYma
h Ama VXZwgma {OVZo ~ohVa `mg ~H$ Ho$ EZnrE H$mo KQ>mZo Ho$ {bE hm|Jo, CVZm
hr ~ohVa n[aUm XrKmd{Y | m hmoJm& ~H$ Zo df 2014-15 | ^r EZnrE
~YZ jo | AnZo H$m` {ZnmXZ H$mo gwYmaZ| | gVV `mZ H|${V {H$`m h Ama
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31.03.12
31.03.14 31.03.2015
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dmV{dH$ dmV{dH$ dmV{dH$
5,894
8,765
11,869
gH$b EZnrE (ma{^H$)
KQ>mE :
1,245
3,066
2,688
ZH$X dgybr
759
938
2,321
AnJoS>oeZ
2,415
1,767
801
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0
0
0
H${f F$U | Ny>Q> / F$U amhV `moOZm
2008
4,419
5,771
5,810
Hw$b H$r
OmoS>| :
7,379
8,811
16,591
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KQ>mE Am mO (yAmaAmB)
89
-63
457
({dmr` df 2009-10 go Ama^)
8,765
11,869
22,193
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1051
878
248
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dgybr
5,947
7,417
13,518
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2.99
3.15
5.39
gH$b A{J H$s VwbZm | gH$b
EZnrE H$m %
2.06
2.00
3.36
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df Ho$ XmamZ ~H$ Zo "ZH$X' Ed "EgAma' XmoZm| Ho$ AmYa na> H$mnm}aoQ> H$s AmpV`m|
H$s {~H$s H$s& ~oMr JB AmpV`m| H$m EZ~rdr ` 1847 H$amoS> ahm Ama Am$a/
{~S> H$s am{e ` 1809 ahr& nyU ZH$X $n go ~oMr JB AmpV`m ` 26 H$amoS> ahr&
15
/ BANK OF INDIA
1783 H$amoS> Am$a H$s eof am{e Ho$ {bE ZH$Xr KQ>H$ ` 212 Ama ~H$ mam
{Zdoe ` 1572 H$amoS> h &
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^mJmo{bH$ Vma na ^maV VWm {dXoem| | ~H$ H$m H$m$s {dVV emIm ZoQ>dH$ h& 31
mM 2015 Ho$ AZwgma ^maV | ~H$ H$s 4892 emImE h& {dd Ho$ g^r hdnyU
{dmr` Ho$m| VWm g^r Q>mB OmoZm| | 25 emImAm| Ama 31 {V{Z{Y H$m`mb`m|
mam ~H$ H$s CnpW{V XO H$amVo h&
df 2014-15 Ho$ XmamZ ~H$ Zo 242 ZB emImE Imobr {Og| nyU emIm |
n[ad{VV EH$ {dVma nQ>b Ama EH$ Z`m Imobm J`m {dVma nQ>b ^r em{b h&
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31.03.2014
31.03.2015
loUr
emImAm| H$s Hw$b H$m % emImAm| H$s Hw$b H$m %
g`m
g`m
837
18.00
863
17.64
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789
16.96
821
16.78
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1,258
27.05
1,317
26.92
AYehar
1,766
37.97
1,891
38.65
JmrU
4,650
100
4,892
100
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3386
2897
2812
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17.58
16.28
34.09
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1560
1807
872
8.10
10.16
10.57
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3168
2980
1553
16.45
16.75
18.83
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17790
8248
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H$m`md`Z hoVw ^maV gaH$ma mam B{Xam JmYr amO^mfm erS> Ho$ {Vr` nwaH$ma
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4. ~H$ Am$ B{S>`m (yOrbS>) {b{Q>oS>
5. ~H$ Am$ B{S>`m (~mogdmZm) {b{Q>oS>
6. ~H$ Am$ B{S>`m (wJmS>m) {b{Q>oS>
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8. ~rAmoAmB Egm BdoQ>|Q> ZoOg mBdoQ> {b.
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10. ~rAmoAmB M}Q> ~H$g {b.
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/ BANK OF INDIA
MANAGEMENT DISCUSSION & ANALYSIS

DOMESTIC ECONOMIC SCENARIO
Year 2014-15 was crucial for India since it saw the emergence of
a stable political dispensation with a mandate to carry forward key
economic legislation. According to the advance estimates released by
Central Statistical Organization, Indian economy is estimated to grow by
7.4% for 2014-15, higher than 6.9% for 2013-14. The main contributor to
the growth story is services sector with mining and manufacturing also
registering growth rates of 3.50% and 5.40% respectively.
Bank credit growth continues to be muted at 10.5% on a y-o-y basis.
Projects are stuck due to time and cost overruns. Moreover, other
variables such as export growth, import growth and indices of industrial
production defy the robust picture portrayed by CSO numbers. Asset
quality pressures increased for banks. At best these figures may be
viewed as output being produced more efficiently since the new GDP
measure is christened Gross Value Added. However, it is beyond doubt
that significant efforts have been initiated to improve ease of doing
business and to augment the share of manufacturing in GDP. All growth
parameters are expected to fall in place with a time lag.
OUTLOOK ON DOMESTIC ECONOMY FOR 2015-16
Indian economy is expected to show a growth rate of 7.5% for 201516 according to the new methodology devised by the Central Statistical
Organization. Major think tanks have given similar estimates. However,
the methodology used by CSO has led to divergent opinions regarding
its accuracy since indicators such as IIP, import growth, exports etc
defy the trend. Digital India and Make In India initiatives have been
unveiled. However, stalled projects, land acquisition and fuel linkages
still remain a concern. Goods and Services Tax, which has the potential
to add 1% to GDP, is still some distance away. Export slowdown is
expected to shave off 40 bps from GDP and in view of rising delinquent
assets banks are likely to be risk averse which will slow credit off take
during FY 2015-16.
BANKING INDUSTRY
Banking sector is yet to come out of asset quality troubles and consequent
decline in profitability. Weak corporate earnings for the fourth quarter
reinforce concerns of asset quality pressures. Gross NPA ratios of
banks are expected to average 4.5% for FY 2015-16. The removal of
forbearance for restructured assets with effect from 1.4.2015 will further
adversely impact bank profitability. RBI guideline on long term project
loans for infrastructure and affordable housing has also had a positive
impact. During the fourth quarter of FY 2015, quite a few corporates
took recourse to this facility to avail further cash flows and to prevent
loans being classified as non-performing assets. The new guidelines on
priority sector lending are also positive for the banking sector since it
helps in achieving the targets quite easily.
BANKING SECTOR OUTLOOK FOR 2015-16
Banking sector performance is intricately intertwined with the performance
of economy in general and sectoral performance in particular. Though
the thumb rule says GDP growth of 7.5-8% should lead to credit growth
of 18-20%, it does not hold good any more since the growth figures
projected has not translated into ground reality in an equal measure.
Moreover, cheaper sources such as ECBs and commercial papers are
available to corporates which dampens demand for bank credit. In this
scenario, credit growth for 2015-16 is expected to be in the range of
11-12% while deposit growth is expected to be 12-13%. Asset quality
pressures will continue to remain and Gross NPAs are likely to touch
4.5% by the end of March 2016.
GLOBAL SCENARIO
Almost all major economies are going through a sluggish phase. While
the U.S has ended Quantitative Easing while keeping the fed rate at
0.25%, Bank of Japan and the European Central Bank has pumped in
more money and unleashed their own version of quantitative easing.
This will lead to some fund flows to India to take advantage of the carry
trade effect of higher interest rates here. China has also unleashed
monetary easing and kept interest rates at a low level.
OUTLOOK FOR 2015-16
All major central banks have unleashed quantitative easing and 201516 will see the results of those measures. Global growth, however, is
expected to be around 3% since China, the major Asian powerhouse,
is set to slow down due to export sluggishness. A major development
to watch out for would be the twin institutions which have emerged as
a rival to the IMF and World Bank, viz, the BRICs Bank and the Asian
Infrastructure Investment Bank (AIIB). It would also be interesting to see
how these two would coexist without being rivals. India too has a major
stake in the BRICS Bank with the first President being an Indian national.
Infrastructure funding in Asia is set to receive a major fillip through these
two institutions and unless the Bretton woods twins revamp themselves,
their relevance is set to diminish in the global sphere.
BUSINESS REVIEW
DEPOSITS
Banks total Deposits increased by ` 54933 crores to ` 531,907 crores
during the year and record a growth of 11.52%. The growth in domestic
deposits was to the tune of ` 34410 crores i.e. 9.46% over previous
year.
Savings Bank deposits grew by 10.62%, whereas Current deposits
marginally declined by of 1.82% over previous year. The share of Low
cost deposits (CASA) comprising Savings and Current deposits to total
domestic deposits is 29.48%. The Bank has a well-diversified deposit
base with 13% of domestic deposits coming from rural areas, 14% from
semi urban, 20% from urban and 53% from metro areas. The banks
total clientele base of 78.65 million consisted of 72.76 million depositors
and 5.89 million borrowers as on 31st of March, 2015.
ADVANCES
Banks gross advances increased from ` 3,76,228 crores to ` 4,11,726
crores during the year with a growth of 9.44%. Gross Domestic Credit
registered a growth of 9.56% from ` 2,89,515 crores on 31.03.2015 as
against the growth rate of 29.52% in the last financial year 2013-14.
Timely sanctions and prompt disbursements in Large Corporate,
Mid Corporate, Retail, SME and Agriculture segments have been
instrumental in credit growth. During the financial year, the credit
requirement from corporate sector has come down and utilisation of
limits was also at lower level. Bank has also focused more on Retail
and SME advances during current year which are giving more yield
and diversifying the risk. Bank added 101 New Corporate customers
during the financial year.
INFRASTRUCTURE FINANCE
During the year, Bank sanctioned Fund Based Limits of ` 12169 crores
and Non Fund Based Limit of ` 2358 crores under infrastructure projects
in New accounts and Additional sanctions in Existing accounts covering
Power, Telecommunication, Roads, Ports and other infrastructure. Bank
continued to provide support to this segment with incremental credit of
` 6,658 crores of which ` 6,539 has been to Power sector and ` 1,065
has been to Road and Port Projects. Infrastructure sectors such as
Telecom and other infrastructure have shown negative credit growth.
CORPORATE CREDIT
Bank is extending credit to Corporate Customers through specialized
branches which contribute 54% of gross domestic credit. 10 Large
Corporate Branches Located at Major Cities are catering to all the major
corporates across country - Mumbai, New Delhi, Kolkata, Chennai,
Bangalore, Hyderabad, Ahmedabad and Pune. 41 Mid Corporate
Branches covers the rest of major business centers including the
above. For serving corporates at other centres, 30 SME City Centres
are equipped with Credit Processing Cells.
LARGE CORPORATE
The advances through Large Corporate Branches constituted 41%
share in total domestic advances as on 31.03.2015. Advances to
Corporate segment through LCBs has increased from ` 1,10,651
crores as on 31.03.2014 to ` 1,19,675 crores as on 31.03.2015, showing
a growth of 8.16% over last year. Large Corporate Branches are
catering to large corporates having sales turnover above ` 500 crores,
Project Cost of above ` 100 crores and Infrastructure Sector, NBFCs
and PSUs. In order to have more focused attention and to reduce
turnaround time, Credit processing Centre have been set up at each
LCBs with direct reporting to Head Office.
MID CORPORATE
Mid Corporate vertical contributes 13% of the total domestic Credit
portfolio. During the FY 2014-15, total Credit under Mid Corporate
Branches grew from ` 34,923 crores to ` 38,345 crores registering a
growth of 9.80%.
17
/ BANK OF INDIA
NEW BUSINESS DEPARTMENT

New Business Department was set up in January 2014 with the
objective of establishing New Business relationships with PSUs, Mid
and Large Corporates, where we do not have banking relationships
and offer a bouquet of Banking services, structuring the products as
per the requirements of the clients. The department is being headed by
a General Manager.
The department has been successful in establishing relationships
with large number of Public and Private sector enterprises. There
has been a quantum jump in disbursements to leading Public Sector
companies. As a Medium Term plan, New Business Department has
embarked upon a plan to acquire substantial number of new clients in
Mid and Large corporate segment. Department has shortlisted around
1200 corporates after analyzing their financials and circulated the list
to all the Mid and Large Corporate branches and to Zonal Offices for
establishing initial contact, depending upon the geographical presence
of the corporates.
INTERNATIONAL BANKING
As at 31st March, 2015, total deposits at foreign branches stood at
` 133907 Crore, registering a rise of ` 20523 Crore (18.10%) over
previous year. Total advances stood at ` 122211 Crore recording arise
of ` 10242 Crore (9.15%) over previous year. Investments were at `
4803 Crore. Operating profit of foreign branches for the year ended
March 2015 at ` 1995 Crore has shown a rise of ` 564 Crore over
previous year. Net profit at `1264 Crore has increased by ` 595 Crore
over March 2014.
Forex Business:
The forex business handled by the Bank has shown good growth. During
the year 2014-15, Merchant and interbank turnover was ` 1,98,400
crores and ` 5,47,056 crores respectively. The Bank continues to be
leading player in the forex market. The aggregate turnover of Banks
Forex Business during the year was ` 745456 crores.
Treasury operations:
The Bank continued to play an active role in all segments of the marketFunds, Forex and Bonds during 2014-15. Taking advantage of the G
sec rate movements, Bank has churned its investments portfolio and
earned profit from trading and sale of securities. Bank has registered
26.12 % growth in profit from sale of securities in the FY 2014-15 as
compared to FY 2013-14. Bank has taken advantage of arbitrage
opportunity within various market segments and could place the
excess rupee funds in Certificate of deposits (CD), buy /sell foreign
currency swaps, term money markets thereof earning a spread of
0.50% to 1.00% .
RURAL BANKING : Priority Sector Advances:
Priority sector advances have wide social ramifications apart from
presenting a big business opportunity. With its vast network of rural and
semi-urban branches and committed personnel, the Bank has always
been one of the leaders in servicing to the priority and agriculture sectors.
Bank has registered an outstanding level of ` 94572 crores under
Priority Sector which is 35.20% of Adjusted Net Bank Credit
(ANBC). Under Special Agricultural Credit Plan, Bank could disburse
` 27556 crores during the financial year 2014-15. The outstanding
position of priority sector advances under various segments is as under:
(` In Crores)
As on 31st March
Growth
2014
2015
Amount
% age
40,211
43,183
2,972
7.39
35,503
39,822
4,319
12.16
2,597
2,872
275
10.59
7,517
8,374
857
11.40
332
321
-11
-3.31
86,161
94,572
8,411
9.76
1. Agriculture
2. Small Enterprise
3. Education
4. Housing
5. Others
Total Priority Sector
FINANCIAL INCLUSION
The progress under Financial Inclusion Plan (FIP) during FY 2014-15: No. of Basic Savings Bank Deposit Accounts Opened: 182 lakhs
No. of Smart Cards issued: 182 lakhs
Total Deposit mobilized in BSBD Account: 1730 Crore
Out of above no. of Accounts opened under Pradhan Mantri Jan
Dhan Yojna (PMJDY): 68.53 Lakhs
No of Rupay Card Issued : 66.73 Lakhs

Balance mobilized in accounts opened under PMJDY: 408 Crore
GCC/KCC issued (No of Customer): 23.44 lakhs
Business Correspondents engaged: 7569
No. of Villages where 100% FI achieved: 4404
Bank has achieved 100 % Financial Inclusion in all 4404 allotted
villages with population above 2000 and in total 22,824 villages has
been covered as on 31.03.2015. Robust operational systems with
adequate risk mitigants and best practices have been built up and are
being pursued.
Regional Rural Banks
Bank has sponsored 4 (four) Regional Rural Banks (RRBs) namely
Jharkhand Gramin Bank (Jharkhand State), Gramin Bank of Aryavart
(Uttar Pradesh State), Narmada Jhabua Gramin Bank (Madhya Pradesh
State) and Vidarbha Konkan Gramin Bank (Maharashtra State). All
RRBs are profit making. All Branches and administrative offices of the
Gramin Banks are now on CBS platform. These banks are enabled on
RTGS and NEFT and ATM platforms. All RRBs taken together have a
branch network of 1557 outlets and have garnered a business mix of
` 35,478 Crores.
RETAIL CREDIT
The retail credit portfolio of Bank increased from ` 29600 Crore to
` 34153 Crore as on 31st March, 2015. During this period the contours
of retail credit were also redefined. Bank has increased its Retail
Business Centres (RBCs) from 23 to 49 in major cities during 201415 to expedite the processing of Retail Home Loans/ Loan Against
Property and also processing of Vehicle Loan and Education Loan
proposals, in case of tie-up arrangement.
The Home Loan segment recorded a growth of 27% from ` 13081
Crore to ` 16664 Crore during the year. Education loan portfolio
recorded a growth of 10 % from ` 2652 crores to ` 2918 Crore during
the year. The Vehicle Loan segment also recorded reasonable growth
of 16 % from ` 2351 Crore to ` 2733 Crore during the year.
The growth in respect of major Retail loan schemes during the year is
as under:
(` in crores)
Item
O/s
31.03.2014
Star Home Loan
13,081
Star Loan Against Property
2,971
Star Education Loan
2,652
Star Vehicle loan
2,351
Star Personal Loan
927
O/s
31.03.2015
16,664
4,144
2,918
2,733
1085
Growth
3,583
1,173
266
382
158
%
Growth
27
39
10
16
17
SME - Performance of the Bank under MSME Segment:

Business growth: MSME Outstanding ` 54406 crores registering
Y-O-Y growth of 20.68%.
Performance under MSE: MSE Outstanding ` 46941 crores
registering Y-O-Y growth of 21.33%.
MSE manufacturing sector has grown from ` 20095 crores (March 2014)
to ` 21938 crores ( March 2015), witnessed Y-O-Y growth of 9.17%.
Share of Micro sector within MSE has increased to 48.92% as
at March 2015 from 47.69% as at March 2014.
Growth in number of Micro accounts: 93582 accounts have been
sanctioned under Micro segment during 2014-15 registering growth
of 19.05% over accounts as at 31.03.2014 against the mandatory
target of 10%.
Performance under CGTMSE - 49125 new accounts added under
CGTMSE scheme during 2014-15 covering exposure of ` 3416.88
crores. We continue to remain No.1 amongst PSU banks in terms
of total coverage under the scheme which has reached the level of
199673 accounts with total exposure of ` 12928.54 crores as on
March 2015.
Performance under PMEGP: 4196 accounts with limit of ` 185.20
crores has been sanctioned during the year 2014-15 under PMEGP.
ASSET RECOVERY & NPA MANAGEMENT
The level of Non-Performing Assets (NPA) is key to any banks
profitability and consequently larger the efforts of a bank to minimize
NPAs, the better it is in the long-term. The Bank continued its drive and
18
/ BANK OF INDIA
focus in improving its performance in the area of NPA management in

the year 2014-15 as well. NPA reduction has been given utmost priority
in the Bank and this function has steadily grown in importance. The
following table shows management of NPAs during last 3 years:
(` in crores)
Item
GROSS NPA (Opening)
Less:
Cash-Recovery
Upgradations
Write-off
Agr.Debt Waiver/Debt Relief
Scheme 2008
Total Reduction
Add:
Slippages
Less Unrealized Interest (URI)
(introduced from F.Y 2009-10)
GROSS NPA (Closing)
Recovery in W/Off A/cs, UCI/URI
Net NPA
% of Gross NPA to Gross
Advances
% of Net NPA to Net Advances
31.03.12
(Actual)
5,894
31.03.14 31.03.2015
(Actual)
(Actual)
8,765
11,869
1,245
759
2,415
0
3,066
938
1,767
0
2,688
2,321
801
0
4,419
5,771
5,810
7,379
8,811
16,591
89
-63
457
8,765
1051
5,947
2.99
11,869
878
7,417
3.15
22,193
248
13,518
5.39
2.06
2.00
3.36
During the year, Bank sold assets (Corporate) on both cash & SR
basis.The Net Book Value (NBV) of the sold assets amounted to
` 1847 crore against which the offer / bid amount was ` 1809 crore.
Offer on assets sold on absolute cash basis was ` 26 crore. For the
remaining amount of offer of ` 1783 crore, the cash component is
` 212 and investment by Bank is ` 1572 crore.
BRANCH NETWORK & EXPANSION
Bank has a geographically well spread branch network in India and
abroad. Bank had 4,892 branches in India as on 31.03.2015. In the
foreign countries, 25 branches and 31 representative offices keep
Banks presence felt in all time zones and important financial centers
of the globe.
During the year 2014-15, Bank then opened 242 new branches
including 1 Extension Counters converted into full-fledged branches &
also 1 new extension counter was opened.
Composition of Banks Branch Network is as follows :
Category
31.03.2014
31.03.2015
No. of Brs. % to Total No. of Brs. % to Total

Metropolitan
837
18.00
863
17.64
Urban
789
16.96
821
16.78
Semi-Urban
1,258
27.05
1,317
26.92
Rural
1,766
37.97
1,891
38.65
Total Branches
4,650
100
4,892
100
COMPLIANCE WITH RESERVATION POLICY (INDIAN)
The Bank is complying fully with the reservation policy of the Government
of India. Special Recruitment and SC/ST Cells at Head Office / Zonal
Offices are functioning to monitor the implementation of the reservation
policy and redressal of grievances relating to SC/ST/OBC Employees.
REPRESENTATION OF SC/ST/OBC IN TOTAL STAFF STRENGTH:
March-15
SC
% to total staff in respective cadre
ST
OBC
Total staff
Officers
3386
17.58
1560
8.10
3168
16.45
19262
Clerks
2897
16.28
1807
10.16
2980
16.75
17790
Sub-staff
2812
34.09
872
10.57
1553
18.83
8248
COMPLIANCE
The increasing customer base, the rising expectations of customers
to have anywhere and anytime banking in safe and secure mode, the
growing product profiles, the advancing technology and the emerging
regulatory reforms call for a robust compliance function policy in the
bank for management of compliance risk.
Compliance in a regulatory context is thus of prime importance,not only
because of the above listed issues but also due to an ever-increasing
number of regulations and a fairly widespread lack of understanding
about what is required for an organisation to be compliant. Compliance
has, thus, increasingly become a concern of corporate governance.
Official Language
Bank has a well establshed Official Language Department at Head
Office which has initiated various measures for implementation of
Official Language Hindi during the year. All India Seminar on Official
Language Hindi was organised at Mumbai where Ms Neeta Chaudhary
Secretary (Official Language) Govt. of India, Ministry of Home Affairs,
Official Language Department was Chief Guest and was attended
by the representative from all Banks. Vishwa Hindi Diwas was also
organised by the Bank at Lucknow on 10.01.2015 under the aegis of
GOI, Ministry of Finance, Financial Services Department and the same
was also attended by represnetative from all the Banks. Some of our
foreign branches, namely Kowloon (Hongkong), Johannesburg (South
Africa) and Bank of India (Botswana) Ltd. also celebrated Visva Hindi
Diwas along with eminent persons from the Indian Community and
NRIs with a view to connect the business with Language concept.
Government of India has awarded 2nd prize of Indira Gandhi Rajbhasha
Puraskar to our Bank for the year 2013-14 for doing commendable
implementation of Official Language Hindi in B region.
BANKS SUBSIDIARY / ASSOCIATES
1. Indo Zambia Bank Ltd.
2. PT. Bank of India (Indonesia) Tbk
3. Bank of India (Tanzania) Ltd.
4. Bank of India (New Zealand) Ltd.
5. Bank of India (Botswana) Ltd.
6. Bank of India (Uganda) Ltd.
7. BOI Shareholding Ltd.
8. BOI AXA Investment Managers Pvt. Ltd.
9. BOI AXA Trustee Services Pvt. Ltd.
10. BOI Merchant Bankers Ltd.
11. STCI Finance Limited.
12. Star Union Dai-ichi Life Insurance Company Ltd.
STRATEGIC INVESTMENT / ALLIANCES
1. Central Depository Services (India) Ltd. (CDSL)
2. ASREC (India) Ltd.
3. Credit Information Bureau (India) Ltd. (CIBIL)
4. National Collateral Management Services Ltd. (NCMSL)
5. SWIFT India Domestic Service Pvt. Ltd.
6. SME Rating Agency of India Ltd. (SMERA)
ACKNOWLEDGEMENT
The Board expresses its gratitude to the Government of India, Reserve
Bank of India and Securities and Exchanges Board of India for the
valuable guidance and support received from them. The Board also thanks
financial Institutions and correspondent banks for their co-operation and
support. The Board acknowledges the unstinted support of its customers
and shareholders and also wishes to place on record its appreciation of
staff members for their dedicated services and contribution for the overall
performance of the Bank.
For and on behalf of the Board of Directors
Sd/Place : Mumbai
Date : 28th May, 2015
19
(Mrs. V. R. Iyer)
Chairperson & Managing Director
/ BANK OF INDIA

CORPORATE GOVERNANCE
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Ho$ {bE ~moS> H$s {d{^ g{{V`m| H$m JR>Z {H$`m h&
~moS> Ho$ {ZXoeH$ :
g`-g` na gemo{YV ~H$H$mar H$nZr (CnH$m| H$m AOZ Ama AVaU)
A{Y{Z`, 1970 Ho$ AVJV ~H$ H$m JR>Z {H$`m J`m h& gmm` n`dojU, ~H$
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h {OgHo$ A`j ~H$ Ho$ A`j Ed ~Y {ZXoeH$ h&
A`j Ed ~YH$ {ZXoeH$ VWm H$m`nmbH$ {ZXoeH$ H$s {Z`w{$ Ho$r` gaH$ma mam
H$s OmVr h& grjmJV df Ho$ AVJV ~moS> H$m g`moOZ {ZZ{bpIV Wm :
The Banks corporate governance philosophy is woven around its total

commitment to ethical practices in the conduct of its business, while
striving to enhance shareholders value. The interrelation between the
Board, the executives and other functionaries is so configured as to
have distinctly demarcated roles and improved corporate performance.
The Bank is also committed to following high disclosure standards and
transparency. In line with the best practices, the Bank has formed
various committees of the Board to monitor every aspect of business.
Board of Directors :
The Bank is constituted under the Banking Companies (Acquisition and
Transfer of Undertakings) Act, 1970 as amended from time to time. The
general superintendence, direction and management of the affairs and
business of the Bank is vested in the Board of Directors presided over by
the Chairperson and Managing Director.
The Chairperson & Managing Director and the Executive Directors are
appointed by the Central Government. During the year under review the
Composition of the Board was as under:Smt. V. R. Iyer
Chairperson and Managing Director
Shri B.P. Sharma
Executive Director
Shri Arun Shrivastava
Executive Director
Executive Director
Ho$r` gaH$ma Ho$ Zm{Vr
Shri R. Koteeswaran
(upto 31.12.2014)
Shri R. P. Marathe
(from 10.03.2015)
Shri Anup Wadhawan
lr Eg.Eg.~m[aH$
^maVr` [aOd ~H$ Ho$ Zm{Vr
Shri S. S. Barik
Nominee of Reserve Bank of India
lr haqdXa qgh (18.09.2014 go)
Ja H$mJma H$Mmar {ZXoeH$
Non-Workmen Employee Director
lr E.E.naoam
H$mJma H$Mmar {ZXoeH$
lr Ho$.Ho$.Zmà (03.05.2014 VH$)
AeH$m{bH$ Ja-emgH$s` {ZXoeH$
Shri Harvinder Singh

(from 18.09.2014)
Shri A.M. Pereira
S>m. Ama.Eb.{~ZmoB
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Part-Time Non-Official Director
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(16.10.2014 VH$)
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gr.E.{ZXoeH$
Shri K.K.Nair
(upto 03.05.2014)
Dr. R. L. Bishnoi
Part-Time Non-Official CA Director
lr nr. E. {gamOwrZ
(24.10.2014 VH$)
eoàYmaH$ {ZXoeH$
lr Coe Hw$ma IoVmZ

(24.10.2014 VH$)
eoàYmaH$ {ZXoeH$
lr moX ^grZ (24.10.2014 VH$)
eoàYmaH$ {ZXoeH$
lr ZraO ^m{Q>`m (25.10.2014 go)
eoàYmaH$ {ZXoeH$
lr S>r.hare (25.10.2014 go)
eoàYmaH$ {ZXoeH$
lr gOrd Hw$ma AamoS>m

(25.10.2014 go)
eoàYmaH$ {ZXoeH$
Shri Neeraj Bhatia

(upto 16.10.2014)
Shri P.M.Sirajuddin
(upto 24.10.2014)
Shri Umesh Kumar
Khaitan (upto 24.10.2014)
Shri Pramod Bhasin
(upto 24.10.2014)
Shri Neeraj Bhatia
(from 25.10.2014)
Shri D. Harish
(from 25.10.2014)
Shri Sanjiv Kumar Arora
(from 25.10.2014)
lrVr dr.Ama.Aà
A`j Ed ~Y {ZXoeH$
lr {~.nr.em
H$m`nmbH$ {ZXoeH$
lr AU lrdmVd
H$m`nmbH$ {ZXoeH$
lr Ama.H$moQ>rdaZ (31.12.2014 VH$)
H$m`nmbH$ {ZXoeH$
lr Ama.nr.amR>o (10.03.2015 go)
H$m`nmbH$ {ZXoeH$
lr AZyn dYmdZ
20
Executive Director
Nominee of the Central Government
Workmen Employee Director
Part-Time Non-Official Director
Shareholder Director
/ BANK OF INDIA
A`j Ed ~Y {ZXoeH$ Ama H$m`nmbH$ {ZXoeH$m| H$mo N>moS>H$a S>b | eof g^r
{ZXoeH$ ~moS> Ho$ Ja-H$m`nmbH$ {ZXoeH$ h& H|$r` gaH$ma mam {Z`w$ AeH$m{bH$
AemgH$s` {ZXoeH$m| Ho$ Abmdm H|$r` gaH$ma Ama eoàYmaH$m| H$m {V{Z{Yd H$aZo
dmbo {ZXoeH$ d [aOd ~H$ Am$ B{S>`m Ho$ {Vo{Z{Y {ZXoeH$ gyMrH$aU H$ama Ho$
IS> 49 Ho$ AW Ho$ AVJV dV {ZXoeH$ h& H$moB ^r {ZXoeH$ A` {H$gr {ZXoeH$
H$m g~Yr Zht h&
df Ho$ XmamZ ~H$ | H$m`JhU H$aZo dmbo {ZXoeH$m| H$m g{j n[aM`
lr a{d ^mH$a amR>o, H$m`nmbH$ {ZXoeH$
lr a{d ^mH$a amR>o ,Am`w 56 df, Zo 10.03.2015 H$mo ~H$ Ho$ H$m`nmbH$
{ZXoeH$ Ho$ $n | H$m`JhU {H$`m& Bhm|Zo df 1980 | ~S>mXm Ho$ E Eg
{dd{dmb` go AWem | ZmH$moma {S>Jr dU nXH$ g{hV m H$s h& Bhm|Zo
Am`moOZm A{YH$mar Ho$ $n | df 1982 | ~H$ Am$ ~S>mXm | H$m`JhU {H$`m&
Bhm|Zo grEAmBAmB~r Ama H$mofmJma | {S>bmom, {Zdoe Ama OmopI ~YZ
(AmBAmB~rE$) H$s AhVmE m H$aZo Ho$ A{V[a$ Bhm|Zo g{Q>{$Ho$Q> BZ H$`wQ>a
EpbHo$eZ H$s AhVm m H$s h& BZH$mo ~qH$J Ho$ {d{^ jom| | Ogo| H$m`Zr{V
Am`moOZm, H$m`{ZnmXZ ~OqQ>J, Am{WH$ AZwgYmZ, H$mnmoaoQ> Ho${S>Q, >EAmBEg,
n[adoer H$qZJ Ama S>mQ>m doàhmCg H$m`m] | 33 dfm} H$m `mnH$ AZw^d m h&
Bhm|Zo df 2002 go 2008 VH$ N>: dfm] go A{YH$ g` VH$ H$moa ~qH$J boQ>$m
na H$m` {H$`m h&
lr haqdXa qgh
All directors, other than the Chairperson & Managing Director and the
Executive Directors, are non-executive Directors on the Board. The
Directors representing shareholders of the Bank (other than the Central
Government) are independent directors within the meaning of Clause
49 of the Listing Agreement. None of the Director is a relative of other
Director.
Brief Profile of the Directors who joined the Bank

during the year
Shri R. P. Marathe, Executive Director
Shri Ravindra Prabhakar Marathe, aged 56 years, joined your Bank as an
Executive Director on 10.03.2015. He holds Masters Degree in Economics
(Gold Medal) from M S University of Baroda (1980). He joined Bank of
Baroda as Planning Officer in 1982 and acquired CAIIB and Diploma in
Treasury, Investment & Risk Management (IIBF) qualifications besides
a certificate in Computer Applications. He has 33 years of experience
in various areas of Banking including Strategic Planning, Performance
Budgeting, Economic Research, Corporate Credit, Trade Finance, MIS,
Environmental Scanning and Data Warehouse functions. He has also
worked for over six years on Core Banking platform from 2002 to 2008.
Shri Harvinder Singh, aged 58 years, has been appointed by the Central
lr haqdXa qgh, C 58 df, H$mo Ho$ gaH$ma mam ~H$ H$m Ja-H$mJma
H$Mmar {ZXoeH$ {Z`w$ {H$`m J`m h& Chm|Zo E.H$m, EbEb~r Ho$ gmW-gmW
grEAmBAmB~r H$s `mdgm{`H$ AhVm ^r m H$s h&
Government as Non-Workmen Employee Director of the Bank. He is a
lr ZraO ^m{Q>`m
Shri Neeraj Bhatia, aged 45 year, has been elected as Shareholder
lr ZraO ^m{Q>`m, C 45 df, 25.10.2014 go AmnHo$ ~H$ Ho$ eoàYmaH$ {ZXoeH$

Ho$ $n | MwZo JE h& do {dkmZ Ho$ ZmVH$ h Ama `dgm` go gZXr boImH$ma h&
do nhbo ~H$ Am$ B{S>`m Ho$ ~moS> | AeH$m{bH$ Ja-emgH$s` grE {ZXoeH$ Wo&
Director of your bank w.e.f. 25.10.2014. He is a Science Graduate and
lr S>r.hare
lr S>r.hare, C 53 df, 25.10.2014 go AmnHo$ ~H$ Ho$ eoàYmaH$ {ZXoeH$ Ho$
$n | MwZo JE h& do dm{U` Ho$ ZmVH$ h Ama Chm|Zo nrOrS>rnrE Ed AmBAma
H$s `mdgm{`H$ AhVm m H$s h& ZoVd H$moM H$s ^y{H$m AXm H$aZo | Ch|
{deofkVm m h&
lr gOrd Hw$ma AamoS>m, C 53 df, 25.10.2014 go AmnHo$ ~H$ Ho$ eoàYmaH$
{ZXoeH$ Ho$ $n | MwZo JE h& do dm{U` Ho$ ZmVH$ h Ama `dgm` go gZXr
boImH$ma h& Bggo nhbo Ch| S>rE$Eg, {dm mb` mam A amQ>rH$V ~H$ H$m
{ZXoeH$ {Z`w$ {H$`m J`m Wm&
M.Com., LLB, coupled with professional qualification of CAIIB.

Shri Neeraj Bhatia
a Chartered Accountant by profession. He was earlier on Board of the

Bank as Part-Time Non-Official CA Director.
Shri D. Harish
Shri D. Harish, aged 53 year, has been elected as Shareholder Director
of your bank w.e.f. 25.10.2014. He is a Commerce Graduate along with
other professional qualification of PGDPM & IR. His expertise is to act as
leadership coach.
Shri Sanjiv Kumar Arora, aged 53 year, has been elected as Shareholder
Director of your bank w.e.f. 25.10.2014. He is a Commerce Graduate and
Chartered Accountant by profession. He was earlier appointed by DFS,
Ministry of Finance as Director on another Public Sector Bank.
21
/ BANK OF INDIA
{ZXoeH$m| Ho$ A` {ddaU Other Details of Directors

H$.
g.
{ZXoeH$m| Ho$ Zm
Name of Directors
SR.
No.
~H$ Ho$ {ZXoeH$ Ho$ n | {deofkVm H$m jo

Area of
B{$Q>r
{Z`w{$ H$s
Expertise
eoàm| H$s
VmarI
Date of
Ym[aVm
A` H$n{Z`m| | {ZXoeH$ nX
Directorships of other Companies
Smt.V.R.Iyer
05.11.2012
~qH$J
Banking
A`j
1) ~rAmoAmB eoàhmopS>J {b.

2) ~rAmoAmB Agm Bd|Q>|Q> ZoOg m.{b.
3) EgQ>rgrAmB $m`Zmg {b.
4) `y B{S>`m E`moa|g H$.{b.
5) ^maVr` Am`mV {Z`mV ~H$
6) EgQ>rgrAmB mBar S>rba {b.
7) BS>mo Om{~`m ~H$ {b.
8) Q>ma `y{Z`Z XmB-BMr bmB$ B`moa|g H$.{b.
9) ~rAmoAmB MQ> ~H$g {b.
1) EJrH$Ma $mBZmg H$mnm}aoeZ {b.

2) ~rAmoAmB Agm BdoQ>|Q> ZoOg m.{b.
3) ~rAmoAmB eoàhmopS>J {b.
4) ~H$ Am$ B{S>m `wJmS>m {b.
5) ZoeZb no|Q> H$mnm}aoeZ Am$ B{S>`m {b.
6) ~rAmoAmB (~mogdmZm) {b.
1) ~H$ Am$ B{S>`m (VOm{Z`m) {b.

2) ~rAmoAmB M]Q> ~H$g {b.
Member Chairman
1.
2.
3.
4.
5.
6.
7.
8.
9.
2. lr {~.nr. em
Shri B.P. Sharma
18.06.2012
~qH$J
Banking
1.
2.
3.
4.
5.
6.
3. lr AU lrdmVd
Shri Arun
Shrivastava
200
05.08.2013
725
10.03.2015
5. lr AZyn dYmdZ
26.07.2013
6. lr Eg.Eg.~m[aH$
13.03.2014
7. lr haqdXa qgh
18.09.2014
8. lr E.E.naoam
600
18.07.2012
Shri Anup
Wadhawan
Shri S. S. Barik
Shri Harvinder
Singh
Shri A. M. Pereira
BOI Shareholding Limited.

BOI AXA Investment Managers Pvt. Ltd.
STCI Finance Ltd
New India Assurance Co. Ltd.
Export Import Bank of India
STCI Primary Dealer Ltd
Indo Zambia Bank Ltd.
Star Union Daichi Life Insurance Co Ltd
BOI Merchant Bankers Ltd
Agriculture Finance Corporation Limited.

BOI AXA Investment Managers Pvt. Ltd.
BOI Shareholding Ltd.
Bank of India Uganda Ltd.
National Payment Corporation of India Ltd.
BOI (Botswana) Ltd.
1. Bank of India (Tanzania) Ltd.

2. BOI Merchant Bankers Ltd
4. lr Ama.nr.amR>o
Shri R. P. Marathe
~qH$J
Banking
Member of Board
Committees
gX`
Holding Appointment
as Director
of
Banks
Equity
shares
1. lrVr dr.Ama. Aà
~moS> g{{V`m| Ho$ gX`
~qH$J
Banking
emgZ
Administration
EJrH$Ma B`moaog H$mnm}aoeZ Am$ B{S>m {b.

Agriculture Insurance Corporation of India
~qH$J
~qH$J
~qH$J
Banking
Banking
Banking
22
/ BANK OF INDIA
H$.
g.
{ZXoeH$m| Ho$ Zm
Name of Directors
SR.
No.
~H$ Ho$ {ZXoeH$ Ho$ n | {deofkVm H$m jo

Area of
B{$Q>r
{Z`w{$ H$s
Expertise
eoàm| H$s
VmarI
Date of
Ym[aVm
A` H$n{Z`m| | {ZXoeH$ nX
Directorships of other Companies
18.10.2013
10. lr ZraO ^m{Q>`m
100
25.10.2014
11. lr S>r.hare
100
25.10.2014
12. lr gOrd Hw$ma

AamoS>m
150
25.10.2014
Shri R. L. Bishnoi
Shri Neeraj Bhatia
Shri D. Harish
A`j
boIm
ZoVd
Accounting
Leadership
boIm
Accounting
1) ZoeZb OyQ> w$Mag H$mn. {b.

2) aS>mo Q>m`g {b.
1. National Jute Manufacturers Corp Ltd.

2. Rado Tyres Ltd
In compliance of Clause 49 of the Listing Agreement the Bank has
considered the Chairmanship/Membership of the Audit Committee and
the Investors/Shareholders Grievance committee alone.
gyMrH$aU H$ama Ho$ IS> 49 Ho$ AZwnmbZ |, ~H$ Zo Ho$db boIm narjm g{{V Ama
eoàYmaH$/ {ZdoeH$ {eH$m`V {ZdmaU g{{V H$s A`jVm/gX`Vm na {dMma
{H$`m h&
~moS> H$s ~R>H$m| H$m gMmbZ :
df Ho$ XmamZ, {ZZ{bpIV VmarIm| H$mo ~moS> H$s Hw$b 15 ~R>H|$ Am`mo{OV H$s JB:
29.04.2014
05.09.2014
12.02.2015
Conduct of Board Meetings :

During the year, 15 Board Meetings were held on the following dates:
15.05.2014
11.10.2014
12.03.2015
29.05.2014
03.11.2014
Name of Directors
26.06.2014
04.12.2014
25.07.2014
12.01.2015
Details of attendance of the Directors at the Board Meetings are as

follows:
~moS> ~R>H$m| | {ZXoeH$m| H$s CnpW{V H$m {ddaU {ZZmZwgma h:

[ZXoeH$m| Ho$ Zm
gX`
boIm
Accounting
Shri Sanjiv Kumar

Arora
11.04.2014
30.07.2014
24.01.2015
Member of Board
Committees
Member Chairman
Holding Appointment
as Director
of
Banks
Equity
shares
9. lr Ama.Eb.{~ZmoB
~moS> g{{V`m| Ho$ gX`
CnpW{V H$m A{^boI
CZHo$ H$m`H$mb Ho$ XmamZ Am`mo{OV ~R>H|$
Ad{Y (go - VH$)
Attendance Recorded
Meetings held during their tenure
Period (From To)
lrVr dr. Ama. Aà

lr {~.nr. em
lr A$U lrdmVd
lr Ama.H$moQ>rdaZ
lr Ama.nr.amR>o
lr AZyn dYmdZ
lr Eg.Eg.~m[aH$
lr haqdXa qgh
lr E. E. naoam
lr Ho$.Ho$. Zmà
lr ZraO ^m{Q>`m
Smt. V. R. Iyer
15
15
01.04.2014 to 31.03.2015
Shri B.P. Sharma
12
15
01.04.2014 to 31.03.2015
14
15
01.04.2014 to 31.03.2015
Shri R. Koteeswaran
12
12
01.04.2014 to 31.12.2014
Shri R. P. Marathe
10.03.2015 to 31.03.2015
Shri Anup Wadhawan
11
15
01.04.2014 to 31.03.2015
Shri S. S. Barik
13
15
01.04.2014 to 31.03.2015
lr nr. E. {gamOwrZ
lr moX ^grZ
lr Coe Hw$ma IoVmZ
S>m Ama.Eb.{~ZmoB
lr S>r.hare
18.09.2014 to 31.03.2015
Shri A. M. Pereira
12
15
01.04.2014 to 31.03.2015
Shri K. K. Nair
01.04.2014 to 03.05.2014
Shri Neeraj Bhatia
15
15
Shri P. M. Sirajuddin
01.04.2014 to 16.10.2014
25.10.2014 to 31.03.2015
01.04.2014 to 21.09.2014
Shri Pramod Bhasin
01.04.2014 to 24.10.2014
Shri Umesh Kumar Khaitan
01.04.2014 to 24.10.2014
Dr. R. L. Bishnoi
14
15
01.04.2014 to 31.03.2015
Shri D. Harish
25.10.2014 to 31.03.2015
25.10.2014 to 31.03.2015
23
/ BANK OF INDIA
{ZXoeH$m|/H$m`nmbH$m| H$s g{{V/Cn g{{V

H$mnm}aoQ> emgZ Ama OmopI ~YZ na ^maVr` [aOd ~H$/go~r/^maV gaH$ma Ho$
{Xem{ZX}em| Ho$ AZw$n H$m`Zr{VH$ hd dmbo {d{^ jom| na `mZ XoZo hoVw ~H$ Ho$
{ZXoeH$ S>b Zo {ZXoeH$m| Ed/`m H$m`nmbH$m| H$s {d{^ g{{V`m| H$m JR>Z {H$`m
h& ò hdnyU g{{V`m {ZZmZwgma h :1. ~moS> H$s ~YZ g{{V
2. ~moS> H$s F$U AZwmoXZ go{{V
3. ~moS> H$s boIm narjm g{{V
4. Q>oH$hmoS>a g~Y g{{V
5. eoà AVaU g{{V
6. OmopI ~YZ hoVw {ZXoeH$m| H$s g{{V
7. JmhH$ godmAm| hoVw {ZXoeH$m| H$s g{{V
8. {ZXoeH$m| H$s nm[al{H$ g{{V
9. {ZXoeH$m| H$s ZmmH$Z g{{V
10. H$mamo~ma grjm g{{V
11. {Zdoe AZwmoXZ g{{V
12. ~S>o y` H$s YmoImY{S>`m| H$s {ZJamZr
13. AmBQ>r H$m`Zr{V g{{V
14. {ZXoeH$m| H$s nXmo{V g{{V
~moS> H$s ~YZ g{{V :
~moS> H$s ~YZ g{{V H$m JR>Z ~H$H$mar H$nZr (CnH$m| H$m AOZ Ama AVaU)
A{Y{Z`, 1970 Ho$ mdYmZm| Ho$ AZwgma {H$`m J`m h Ama dh {dmr` drH${V`m|,
gPmVm|/~>m Vmdm|, dmX/Anrb Xmà H$aZo Am{X Ho$ g~Y | ~moS> H$mo m g^r
A{YH$mam| H$m `moJ H$aVr h& `Wm {XZmH$ 31.03.2015 H$mo Bg g{{V | A`j
Ed ~Y {ZXoeH$, 3 H$m`nmbH$ {ZXoeH$, ^maVr` [aOd ~H$ Ho$ Zm{Vr Ama 3
AeH$m{bH$ AemgH$s` {ZXoeH$ em{b h&
df Ho$ XmamZ ~moS> ~YZ g{{V H$s {ZZ{bpIV VmarIm| H$mo 26 ~R>H|$ hB :
11.04.2014
25.07.2014
02.11.2014
11.02.2015
29.04.2014
12.08.2014
19.11.2014
28.02.2015
14.05.2014
27.08.2014
04.12.2014
12.03.2015
Name of Directors
The Board of Directors of the Bank has constituted various committees

of directors and / or executives to look into different areas of strategic
importance in terms of Reserve Bank of India / SEBI / Government of
India Guidelines on Corporate Governance and Risk Management. The
important committees are as under:
1. Management Committee of the Board
2. Credit Approval Committee of the Board
3. Audit Committee of the Board
4. Stakeholders Relationship Committee
5. Share Transfer Committee
6. Committee of Directors for Risk Management
7. Committee of Directors for Customer Services
8. Remuneration Committee of Directors
9. Nomination Committee of Directors
10. Business Review Committee
11. Investment Approval Committee
12. Monitoring on Large Value Frauds
13. IT Strategy Committee
14. Directors Promotion Committee
Management Committee of the Board :
The Management Committee of the Board is constituted as per the
provisions of the Banking Companies (Acquisition and Transfer of
Undertakings) Act, 1970 and it exercises all the powers vested in the
Board in respect of financial sanctions, compromises/write off proposals
and filing of suits/appeals etc. As on 31.3.2015, it consisted of the
Chairperson and Managing Director, 3 Executive Directors, nominee of
RBI and 3 part time non-official Directors.
The Management Committee of the Board met 26 times during the year
on the following dates:
29.05.2014
05.09.2014
18.12.2014
26.03.2015
òH$ gX` H$s CnpW{V H$m A{^boI {ZZ{bpIV AZwgma h:

{ZXoeH$m| Ho$ Zm
Committee / Sub Committee of Directors / Executives
16.06.2014
20.09.2014
29.12.2014
29.03.2015
26.06.2014
27.09.2014
12.01.2015
10.07.2014
11.10.2014
24.01.2015
Attendance record of the members is shown below:
CnpW{V H$m A{^boI
Ad{Y (go-VH$)
Attendance Record
25

26
Period (From To)

01.04.2014 to 31.03.2015
Shri B.P. Sharma
18
26
01.04.2014 to 31.03.2015
25
26
01.04.2014 to 31.03.2015
Shri R. Koteeswaran
16
19
01.04.2014 to 31.12.2014
Shri R. P. Marathe
10.03.2015 to 31.03.2015
Shri S. S. Barik
19
26
01.04.2014 to 31.03.2015
lrVr dr. Ama. Aà

lr {~.nr. em
lr A$U lrdmVd
lr Ama.H$moQ>rdaZ
lr Ama.nr.amR>o
lr Eg.Eg.~m[aH$
lr haqdXa qgh
lr E. E. naoam
lr Ho$.Ho$. Zmà
lr Ama.Eb.{~ZmoB
lr ZraO ^m{Q>`m
Smt. V. R. Iyer
lr nr. E. {gamOwrZ
lr Coe Hw$ma IoVmZ
lr S>r.hare
27.12.2014 to 31.03.2015
Shri A. M. Pereira
10
12
27.06.2014 to 26.12.2014
Shri K. K. Nair
01.04.2014 to 03.05.2014
Dr. R. L. Bishnoi
01.04.2014 to 26.06.2014
Shri Neeraj Bhatia
26
26
Shri P. M. Sirajuddin
12
12
01.04.2014 to 16.10.2014
25.10.2014 to 31.03.2015
01.04.2014 to 21.09.2014
12
14
04.05.2014 to 24.10.2014
Shri D. Harish
12
25.10.2014 to 31.03.2015
24
/ BANK OF INDIA

Credit Approval Committee of the Board:
In terms of the directions of the Government of India, Ministry of Finance,
Department of Financial Services, New Delhi, vide their communication
reference No.13/1/2006-BO.1 dated 31st January 2012, the Bank has
constituted the Credit Approval Committee of the Board. The Credit
Approval Committee shall exercise the powers of the Board in respect
of any single credit proposal upto ` 400 crore in case of our Bank and
in case of exposure exceeds such limits shall be considered by the
Management Committee.
The members of the committee are the Chairperson and Managing
Director, the Executive Directors, The General Manager in-charge of
the credit, The General Manager in-charge of Finance and the General
Manager in-charge of Risk Management. The committee meetings are
being chaired by the Chairperson and Managing Director of the Bank.
Credit Approval Committee of the Board met 37 times during the year on
the following dates:
~moS> H$s F$U AZwmoXZ g{{V:

^maV gaH$ma, {dm mb`, {dmr` godmE {d^mJ, Z`r {Xr H$s ggyMZm gX^
g.13/1/2006-~rAmo.1 {XZm{H$V 31 OZdar, 2012, mam Omar {ZXoem| Ho$
AZwgma ~H$ Zo ~moS> H$s F$U AZwmoXZ g{{V H$m JR>Z {H$`m h& `h F$U AZwmoXZ
g{{V hmao ~H$ Ho$ mbo | ` 400 H$amoS> VH$ Ho$ {H$gr EH$b F$U Vmd Ho$ ~mao
| ~moS> Ho$ A{YH$mam| H$m BVomb H$aoJr Ama Eogr grmAm| go A{YH$ Ho$ Vmdm| na
~YZ g{{V mam {dMma {H$`m OmEJm&
A`j Ed ~Y {ZXoeH$, H$m`nmbH$ {ZXoeH$JU, Ho${S>Q> Ho$ ^mar hm~YH$, {dm
Ho$ ^mar hm~YH$ Ama OmopI ~YZ Ho$ ^mar hm~YH$ Bg g{{V Ho$ gX`
h& Bg g{{V H$s ~R>H$m| H$s A`jVm ~H$ H$s A`j Ed ~Y {ZXoeH$ H$aVr h&
df Ho$ XmamZ F$U AZwmoXZ g{{V H$s {ZZ{bpIV VmarIm| H$mo 37 ~R>H|$ hB :
05.04.2014
11.06.2014
06.08.2014
14.10.2014
30.12.2014
25.03.2015
{ZXoeH$m| Ho$ Zm
16.04.2014
21.06.2014
21.08.2014
01.11.2014
14.01.2015
30.03.2015
Name of Directors
26.04.2014
26.06.2014
01.09.2014
11.11.2014
27.01.2015
05.05.2014
30.06.2014
11.09.2014
25.11.2014
06.02.2015
CnpW{V H$m A{^boI
Attendance Record
37
lrVr dr. Ama. Aà Smt. V R Iyer

Shri B P Sharma
22
lr {~. nr. em
36
lr AU lrdmVd
Shri
R.
Koteeswaran
19
lr Ama. H$moQ>rdaZ
Shri
R.
P.
Marathe
2
lr Ama.nr.amR>o
~moS> H$s boIm narjm g{{V :
~moS> H$s boIm narjm g{{V (Egr~r) H$m JR>Z ^maVr` [aOd ~|H$ Ho$ {Xem{ZX}em|
Ho$ AZwgaU | {ZXoeH$ S>b mam {H$`m J`m h& `h Egr~r {ZXoe XoVr h VWm ~H$
Ho$ gnyU boIm-narjm H$m` Ho$ n[aMmbZ H$m n`dojU ^r H$aVr h&
boIm narjm g{{V | 7 gX` h, AWmV H$m`nmbH$ {ZXoeH$JU, gaH$ma Zm{Vr
{ZXoeH$, ^maVr` [aOd ~H$ Ho$ Zm{Vr {ZXoeH$ Ama 2 AeH$m{bH$ AemgH$s`
{ZXoeH$ {XZmH$ 11.04.2015 VH$ S>m Ama.Eb.{~ZmoB ~moS> H$s boIm narjm g{{V
Ho$ A`j Wo& dVmZ | lr ZraO ^m{Q>`m ~moS> H$s boIm narjm g{{V Ho$ A`j
h& df Ho$ XmamZ {ZZ{bpIV VmarIm| H$mo boIm narjm g{{V H$s 9 ~R>H|$ hB :
14.05.2014
18.12.2014
29.05.2014
11.02.2015
{ZXoeH$m| Ho$ Zm
30.05.2014
10.07.2014
25.09.2014
19.12.2014
03.03.2015
05.06.2014
23.07.2014
29.09.2014
24.12.2014
16.03.2015
Ad{Y

37
Period
01.04.2014 to 31.03.2015
37
01.04.2014 to 31.03.2015
37
01.04.2014 to 31.03.2015
29
01.04.2014 to 31.12.2014
10.03.2015 to 31.03.2015
Audit Committee of the Board :

The Audit Committee of the Board (ACB) has been constituted by the
Board of Directors as per the guidelines of the Reserve Bank of India.
The ACB provides direction and also oversees the operation of the total
audit function of the Bank.
The Audit Committee comprises of 7 members viz. Executive Directors,
Government Nominee Director, Reserve Bank of India Nominee Director
and 2 non official part time directors. Dr. R.L.Bishnoi was the Chairman
of the Committee till 11.04.2015. Shri Neeraj Bhatia, is the present
Chairman of the Audit Committee of the Board. During the year, the Audit
Committee met 9 times on the following dates:
16.06.2014
26.03.2015
30.07.2014
gX`m| H$s CnpW{V H$m A{^boI {ZZmZwgma h :

Name of Directors
21.05.2014
05.07.2014
22.09.2014
09.12.2014
18.02.2015
20.08.2014
03.11.2014
The attendance record of the members is shown below:
CnpW{V H$m A{^boI
Ad{Y
Attendance Record
7

9
Period
01.04.2014 to 31.03.2015
01.04.2014 to 31.03.2015
Shri R. Koteeswaran
01.04.2014 to 31.12.2014
Shri R. P. Marathe
10.03.2015 to 31.03.2015
Shri Anup Wadhawan
01.04.2014 to 31.03.2015
Shri S. S. Barik
01.04.2014 to 31.03.2015
Dr. R. L. Bishnoi
01.04.2014 to 31.03.2015
lr {~. nr. em
lr AU lrdmVd
lr Ama. H$moQ>rdaZ
lr Ama.nr.amR>o
lr AZyn dYmdZ
lr Eg.Eg.~m[aH$
S>m Ama.Eb.{~ZmoB
lr ZraO ^m{Q>`m
Shri B. P. Sharma
Shri Neeraj Bhatia
01.04.2014 to 26.06.2014
03.11.2014 to 31.03.2015
lr Coe Hw$ma IoVmZ
27.06.2014 to 24.10.2014
25
/ BANK OF INDIA
~H$ Ho$ Ja-boIm nar{jV {Vmhr n[aUmm| Ama df Ho$ boIm nar{jV n[aUmm| H$s
~moS> mam drH$ma {H$E OmZo hoVw CZHo$ gj VwV H$aZo Ho$ nhbo ~moS> H$s boIm
narjm g{{V mam grjm H$s JB&
Q>oH$hmoS>a g~Y g{{V :
gyMrH$aU H$ama Ho$ IS> 49 Ho$ mdYmZ Ho$ AZw$n H$mnm}aoQ> emgZ na go~r Ho$
{Xem{ZX}em| Ho$ AZwnmbZ | eoàm| Ho$ AVaU, VwbZ n m Z hmoZo, bm^me m
Z hmoZo B`m{X Ho$ g~Y | eoàYmaH$m|/{ZdoeH$m| H$s {eH$m`Vm| Ho$ {ZdmaU hoVw
Q>oH$hmoS>a g~Y g{{V H$m JR>Z {H$`m J`m h& df Ho$ XmamZ {ZdoeH$m| go A~ VH$
m g^r {eH$m`Vm|/gX^m] H$m Cma {X`m J`m/{ZnQ>m`m J`m& g~{YV OmZH$mar m
hmo OmZo Ho$ ~mX m`:gmV {XZm| Ho$ AXa {ZdoeH$m| H$s {eH$m`Vm| na H$madmB H$s OmVr
h& Bg g{{V | H$m`nmbH$ {ZXoeH$JU Ama Xmo eoàYmaH$ {ZXoeH$ h& lr ZraO
^m{Q>`m Bg g{{V Ho$ A`j h&
gwlr {Z`{V Jm{S>V, H$nZr g{Md, Bg Co` Ho$ {bE ~H$ Ho$ AZwnmbZ A{YH$mar h&
df Ho$ XmamZ {ZZ{bpIV VmarIm| na g{{V H$s 4 ~R>H|$ Am`mo{OV H$s JB:
16.06.2014
Name of Directors
04.12.2014
CnpW{V H$m A{^boI
11.02.2015
Ad{Y
Period
01.04.2014 to 31.03.2015
01.04.2014 to 31.03.2015
01.04.2014 to 31.12.2014
10.03.2015 to 31.03.2015
01.04.2014 to 24.10.2014
01.04.2014 to 24.10.2014
25.10.2014 to 31.03.2015
25.10.2014 to 31.03.2015
12.08.2014
18.12.2014
Committee of Directors for Risk Management

This committee was formed to review and evaluate the overall risks
assumed by the Bank. It comprises of Chairperson & Managing Director,
Executives Directors and three part time non official directors. The
committee met 4 times during the financial year on the following dates:
20.08.2014
03.12.2014
12.03.2015
Committee of Directors for Customer Services

This committee was formed to review and evaluate the overall risks
assumed by the Bank. It comprises of Chairperson and Managing
Director, Executives Directors and three part time non official directors.
The committee met 4 times during the financial year on the following
dates:
27.09.2014
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g~ mogmhZ `moOZm H$s KmofUm H$s h& `h mogmhZ {dJV {dmr` df Ho$ XmamZ
{d{^ AZwnmbZ [anmoQ>m] na AmYm[aV Q>oQ>|Q> Am$ BQ>oQ> AmZ Jmog ES> ~|MmH$
Ho$ AmYma na H$m`{ZnmXZ y`mH$Z o{Qg Ho$ {bE H${Vn` JwUmH$ Ho$ gmW gmW
mmH$ mZXS>m| na AmYm[aV h& C$ {ZXoe Ho$ AZwnmbZ Ho$ {bE df Ho$ XmamZ

4
Share Transfer Committee

It comprises of Chairperson and Managing Director, Executive Directors
and two other Directors. The Committee met 4 times during the financial
year on the following dates:
16.06.2014
JmhH$ godm Ho$ {bE {ZXoeH$m| H$s g{{V

~H$ mam {bE JE Hw$b OmopI H$s grjm VWm y`mH$Z H$aZo Ho$ {bE Bg g{{V
H$m JR>Z {H$`m J`m Wm& Bg g{{V | A`j Ed ~Y {ZXoeH$, H$m`nmbH$
{ZXoeH$JU Ama VrZ A` AeH$m{bH$ Ja gaH$mar {ZXoeH$ h& H$m` Ho$ XmamZ
{ZZ{bpIV VmarIm| H$mo g{{V H$s 4 ~R>H|$ hB&
16.06.2014
The Committee met 4 times during the year on the following dates:
Attendance Record
2
OmopI ~YZ Ho$ {bE {ZXoeH$m| H$s g{{V

Bg g{{V H$m JR>Z ~H$ mam {bE JE gV OmopIm| H$s grjm Ama y`mH$Z
H$aZo Ho$ {bE {H$`m J`m Wm& Bg g{{V | A`j Ed ~Y {ZXoeH$, H$m`nmbH$
{ZXoeH$JU Ama VrZ AeH$m{bH$ Ja gaH$mar {ZXoeH$ h& df Ho$ XmamZ {ZZ{bpmV
VmarIm| H$mo g{{V H$s 4 ~R>H|$ hB :
29.05.2014
Ms Niyati Gadit, Company Secretary, is the Compliance officer of the

Bank for this purpose.
The attendance record of the members is shown below:
Shri B. P. Sharma
lr {~. nr. em
4
lr AU lrdmVd
2
Shri R. Koteeswaran
lr Ama. H$moQ>rdaZ
Shri R. P. Marathe
lr Ama.nr.amR>o
2
Shri
P.M.
Sirajuddin
lr nr. E. {gamOwrZ
2
lr Coe Hw$ma IoVmZ Shri Umesh Kumar Khaitan
2
Shri
Neeraj
Bhatia
lr ZraO ^m{Q>`m
1
Shri D. Harish
lr S>r.hare
eoà AVaU g{{V
Bg g{{V | A`j Ed ~Y {ZXoeH$, H$m`nmbH$ {ZXoeH$JU Ama Xmo A`
{ZXoeH$ h& {dmr` df Ho$ XmamZ {ZZ{bpIV VmarIm| H$mo g{{V H$s 4 ~R>H$| hB :
29.04.2014
In compliance of SEBI guidelines on Corporate Governance as provided

in clause 49 of the Listing Agreement, Stake Holders Relationship
Committee has been constituted, for redressal of the grievances of
the shareholders/ investors with regard to the transfer of shares, nonreceipt of Balance sheet, non-receipt of dividends etc. All the references/
complaints received from the investors during the year have been replied
/ redressed till date. Investors grievances are normally attended to
within seven days on receipt of the relevant information. The Committee
comprises of Executive Directors and two Shareholder Directors. Shri
Neeraj Bhatia is Chairman of the Committee.
12.08.2014
gX`m| H$s CnpW{V H$m A{^boI {ZZ{bpIV h:

{ZXoeH$m| Ho$ Zm
Unaudited quarterly results of the Bank and audited results for the year
were reviewed by the Audit Committee of the Board prior to the placing
before the Board of Directors for adoption.
Stake holders relationship Committee :
18.12.2014
26.03.2015
Remuneration Committee of Directors

Government of India announced Performance Linked Incentive Scheme
for Whole Time Directors of Public Sector Banks. The incentive is based
on certain qualitative as well as quantitative parameters for Performance
Evaluation Matrix on the basis of the Statement of intent on goals and
benchmarks based on various compliance reports during the previous
financial year. In compliance of the said directive, a remuneration
26
/ BANK OF INDIA
H$m`{ZnmXZ Ho$ y`mH$Z Ama Xr OmZo /^wJVmZ H$s OmZo dmbr mogmhZ aH$ Ho$
{bE ~moS> H$s nm[al{H$ g{{V J{R>V H$s JB&
Bg g{{V | gaH$mar Zm{{V {ZXoeH$, Ama~rAmB Zm{{V {ZXoeH$ Ama VrZ A`
AeH$m{bH$ Ja gaH$mar {ZXoeH$ h& 31.03.2014 H$mo gm {nN>bo df Ho$ {bE
g{{V Zo 29.05.2014 H$mo ~R>H$ H$s Ama {ZZ{bpIV nyUH$m{bH$ {ZXoeH$m| H$mo
{XE JE `mao Ho$ AZwgma mogmhZ ^wJVmZ H$aZo H$m {ZU` {b`m:
Zm
nXZm
lrVr dr Ama
Aà
lr EZ eofm{
lr E Eg amKdZ
lr {~ nr em
lr AU
lrdmVd
lr Ama.
H$moQ>rdaZ
A`j Ed ~Y
{ZXoeH$
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
33,333/1,05,554/4,00,000/2,63,333/2,63,333/-
{ZXoeH$m| H$s ZmmH$Z g{{V

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`{$`m| H$mo ^maVr` [aOd ~H$ mam aIo JE "{$Q> Ed mona' mZXS> H$mo nyam H$aZm
hmoJm& ^maVr` [aOd ~H$ mam Omar {Xem{ZX}em| Ho$ eVm] Ho$ AZwgma ZmmH$Z g{{V
| VrZ {ZXoeH$ ( g^r dV /Ja H$m`nmbH$ {ZXoeH$ ) h& {dmr` df 2014-15
Ho$ XmamZ g{{V Zo eoàYmaH$ {ZXoeH$m| Ho$ "{$Q> Ed mona' pW{V H$m nVm bJmZo Ho$
{bE Xmo ~ma 29.04.2014 VWm 04.10.2014 H$mo ~R>H$ H$s&
H$mamo~ma grjm g{{V
{Z`mH$ H$boS>a Xm| H$s Amd{YH$ grjm Ho$ {bE g{{V H$m JR>Z {H$`m J`m&
Bg g{{V | A`j Ed ~Y {ZXoeH$, H$m`nmbH$ {ZXoeH$JU Ama VrZ A`
AeH$m{bH$ Ja gaH$mar {ZXoeH$ h& grjmYrZ df Ho$ XmamZ {ZZ{bpIV VmarIm|
| ~R>H|$ hB&
27.09.2014
04.12.2014
{Zdoe AZwmoXZ g{{V

{Zdoe g~{YV {ZU` boZo Ho$ {bE {Zdoe AZwmoXZ g{{V H$m JR>Z {H$`m J`m& Bg
g{{V | A`j Ed ~Y {ZXoeH$, H$m`nmbH$ {ZXoeH$JU, hm~YH$ (OmopI
~YZ) Ama hm~YH$ ({dm) h& grjmYrZ df Ho$ XmamZ {ZZ{bpIV VmarIm|
H$mo g{{V H$s ~R>H$ hB&
21.05.2014
It comprises of Govt. Nominee Director, RBI Nominee Director and three

other part time non official directors. For last year ended 31.03.2014,
the committee met on 29.05.2014 and decided to pay incentive to the
following whole-time directors as per details given below:
2014-15 Ho$ {dmro` df 2014-15

XmamZ godm Ho$ Ho$ {bE H$m`{ZnmXZ
{XZm| H$s g`m g~ mogmhZ (`)
12 hrZo
6,00,000/-
1hrZm
3 hrZo 5 {XZ
12 hrZo
7 hrZo 27
{XZ
H$m`nmbH$ {ZXoeH$ 7 hrZo 27
{XZ
16.06.2014
Committee of the Board was constituted for evaluation of the performance

and incentive amount to be awarded / paid during the year.
Name
Designation
Number of
days served
during
2014-15
Smt. V R Iyer
Chairperson
& Managing
Director
12 months
Performance
Linked Incentive
for the year
2014-15 (`)
6,00,000/-
Shri N Seshadri Executive

Director
1 month
33,333/-
Shri M S
Raghavan
Executive
Director
3 months 5
days
1,05,554/-
Shri B P
Sharma
Executive
Director
12 months
4,00,000/-
Shri Arun
Shrivastava
Executive
Director
7 months 27
days
2,63,333/-
Shri R.
Koteeswaran
Executive
Director
7 months 27
days
2,63,333/-
Nomination Committee of Directors

Under the provisions of Section 9 (3) (i) of Banking Companies (Acquisition
and Transfer of Undertakings) Act, 1970/80, the Reserve Bank of India
has laid down `Fit and Proper criteria to be fulfilled by the persons to be
elected as directors on the boards of the Nationalised Banks. In terms of
the said guidelines, a Nomination Committee consists of three directors
(all independent / non-executive directors). During the Financial Year
2014-15 the committee met 2 times i.e. 29.04.2014 and 04.10.2014 to
ascertain the Fit & Proper status of Shareholders Directors.
Business Review Committee
The Committee was formed to review the regulatory calendar items
periodically. This committee consist of The Chairperson and Managing
Director, Executive Directors and three other Part time non official
Directors. During the year under review, it met on following dates.
12.01.2015
11.02.2015
26.03.2015
Investment Approval Committee
The Investment Approval Committee was formed to take investments
decisions. It consists of The Chairperson and Managing Director,
Executive Directors, General Manager (Risk Management) and General
Manager (Finance). During the financial year it met on the following
dates:
22.09.2014
30.01.2015
14.02.2015
03.03.2015
Monitoring
on
Large
Value
Frauds
~S>o y` dmbo YmoImY{S>`m| H$s {ZJamZr
Bg g{{V H$m JR>Z ~S>o y` Ho$ YmoImYS>r H$s {ZJamZr Ho$ {bE {H$`m J`m Wm& This Committee was formed to monitor large value frauds. It consists of
Chairperson and Managing Director, Executive Directors and three
Bg g{{V | ~H$ Ho$ A`j Ed ~Y {ZXoeH$, H$m`nmbH$ {ZXoeH$JU Ama VrZ The
part time non official directors of the Bank. It meets on quarterly interval.
AeH$m{bH$ Ja gaH$mar {ZXoeH$ h& `h {Vmhr Ho$ AVamb | {bVr h& {dmr` During the financial year it met on the following dates.
df Ho$ XmamZ {ZZ{bpIV VmarIm| | ~R>H$| hB :

26.06.2014
20.08.2014
AmBQ>r H$mZr{V g{Vr

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| `h g{{V J{R>V H$s JB& Bg| H$m`nmbH$ {ZXoeH$JU VWm VrZ AeH$m{bH$ JagaH$mar {ZXoeH$ em{b h& {dmr` df Ho$ XmamZ {ZZ{bpIV {V{W`m| | ~R>H|$ hB &
29.05.2014
18.12.2014
12.03.2015
IT Strategy Committee
The committee was formed in compliance of guidelines issued by
Reserve Bank of India to take Decision on IT Strategies and to monitor
the development in the area of IT Projects. It consists of Executive
Directors and three part time non official directors. During the financial
year it met on the following dates.
20.08.2014
29.12.2014
27
11.02.2015
/ BANK OF INDIA
{ZXoeH$m| H$s nXmo{V g{{V

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Zm{{V {ZXoeH$ gX` h& {dmr` df Ho$ XmamZ g{{V {ZZ{bpIV {V{W`m| H$mo {br &
29.05.2014
Directors Promotion Committee

The Members of this committee are the Chairperson and Managing
Director, Government Nominee Director and RBI Nominee Director.
During the financial year it met on the following dates.
17.02.2015
26.03.2015
{dJV dm{fH$ Am ~R>H$ | {ZXoeH$m| H$s CnpW{V

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Attendance of the Directors at the last Annual General Meeting

Smt. V. R. Iyer, Shri B. P. Sharma, Shri Arun Shrivastava, Shri R.
Koteeswaran, Shri A. M. Pereira, Shri R. L. Bishnoi and Shri P. M.
Sirajuddin attended the last i.e., Eighteen Annual General Meeting of the
Bank held on 10.07.2014.
Share Transfers and Redressal of Shareholders`/Investors` Grievances:
Share Transfers, Dividend / interest payments and all other investor
related activities are attended to and processed at the office of our
Registrar and Transfer Agents. For lodgement of any of these documents
and for queries/ complaints /grievances, shareholders and investors are
requested to contact
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AYoar Hw$bm amoS>, gmH$sZmH$m, AYoar nyd,w~B -400072.$moZ 022-67720300,
$g 022-28591568, B ob : sharepro@shareproservices.com
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(nyd) w~B- 400072 $moZ -022-4043200, $g 022-28475207
B ob : info@bigshareonline.com
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H$a gH$Vo h:
For Equity Shares

Sharepro Services (India) Pvt. Ltd. , Unit-Bank of India, 13AB,
Samhita Warehousing Complex 2nd Floor, Near Sakinaka Telephone
Exchange, Off. Andheri Kurla Road, Sakinaka, Andheri (East),
Mumbai 400 072 Phone 022-67720300, Fax- 022-28591568, E-mail
: sharepro@shareproservices.com
OR at
Sharepro Services (India) Pvt. Ltd., Investor Relation Centre, 912,
Raheja Centre, Free Press Journal House, Nariman Point, Mumbai
400 021.
For Bonds/ Debentures
Bigshare Services Pvt. Ltd. E-2, Ansa Industrial Estate, Sakinaka,
Andheri (E) Mumbai-400 072 Phone-022-4043200, Fax-022-28475207
Email: info@bigshareonline.com
Apart from the above, investors may also contact the Bank at its Investor
Relations Department at
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(nyd) w~B - 400 051, $moZ 022-66684444, $g$- 022-66684491,
B-ob : headoffice.share@bankofindia.co.in
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Ama o{fV {H$`m J`m&
Am g^m H$s ~R>H|$ :
Star House, 8th Floor, East Wing, C-5, G Block, Bandra-Kurla

Complex, Bandra (E), Mumbai 400 051, Phone 022-66684444,
Fax- 022-66684491, E-mail: headoffice.share@bankofindia.co.in
~R>H$ H$m
d$n
1 AgmYmaU
Am ~R>H$
2 AgmYmaU
Am ~R>H$
3 AR>mahdt
dm{fH$ Am
~R>H$
{XZmH$ Ed
g`
07.03.2015
nydmhZ
11.00 ~Oo
17.10.2014
nydmhZ
10.30 ~Oo
10.07.2014
AnamhZ
3.00 ~Oo
WmZ
With a view to speed up the share transfer system for the better investors
services, Bank is processing the transfer / transmission of shares on
weekly basis and reports the matter to Share Transfer Committee on
monthly basis. The Share Transfer committee is comprising of the
Chairperson & Managing Director and in her absence Executive Director
of the Bank and two other directors in terms of the provisions of Bank
of India (Shares & Meetings) Regulations, 2007. The committee met
4 times in the year. All the share certificates received for transfer upto
31.03.2015 have been processed and dispatched.
General Body Meetings:
nm[aV {deof gH$n
Nature of
Meeting
~H$ Am$ B{S>`m B{$Q>r eoàm| H$m

Am{S>Q>mo[a`,
A{YmZr {ZJ
Q>ma hmCg, ~mm
Hw$bm gHw$b, ~mm eoàYmaH$m| H$m MwZmd
(nyd) w~B 400 051,
B{$Q>r eoà Ho$ wo/
{Q>à I `m {Q>à II nyOr
H$s ~T>momar
1 Extra ordinary
General
Meeting
2 Extra ordinary
General
Meeting
3 Eighteenth
Annual
General
Meeting
28
Date
& Time
07.03.2015
11.00 A.M.
17.10.2014
10.30 A.M.
10.07.2014
3.00 P.M.
Venue
Bank of India
Auditorium,
Star House,
Bandra Kurla
Complex,
Mumbai
400 051.
Special
Resolution
passed
Preferential Issue
of Equity Shares
Election of
Shareholder
Directors
Issue of Equity
Shares/Raising
of Tier I or Tier II
capital
/ BANK OF INDIA
{XZmH$ Ed
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nm[aV {deof gH$n
g`
03.12.2013 ~H$ Am$ B{S>`m B{$Q>r eoàm| H$m
nydmhZ
A{YmZr {ZJ
Am{S>Q>mo[a`,
11.00 ~Oo Q>ma hmCg, ~mm
5 ghdt dm{fH$ 29.06.2013 Hw$bm gHw$b,
nydmhZ
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11.00 ~Oo - 400 051
6 AgmYmaU
01.03.2013
B{$Q>r eoàm| H$m
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3.00 ~Oo
7 gmobhdt
29.06.2012
dm{fH$ Am
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3.00 ~Oo
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~H$H$mar {d{Z`Z A{Y{Z` 1949, ~H$H$mar H$nZr (CnH$m| H$m AOZ Ama
AVaU) A{Y{Z` 1970 Ama amQ>rH$V ~H$ (~YZ Ama {d{dY mdYmZ)
moOZm, 1970 Ho$ AVJV ~H$ em{gV h& go~r Zo `h n> {H$`m h Omo H$n{Z`m
gyMr~ Zht h qH$Vw H$mnm}aoQ> {ZH$m` h (Ogo {ZOr VWm gmdO{ZH$ jo Ho$ ~H$,
{dmr` gWmE, ~rm H$n[Z`m Am{X) Ch| A` g{d{Y Ho$ AVJV gp{bV {H$`m
J`m h, BZna gyMrH$aU H$ama H$m IS> 49 Cg grm VH$ bmJy h Ohm CZHo$ {Z`mH$
m{YH$m[a`m| mam Omar {Xem{ZX}em| VWm g~{YV g{d{Y H$m CKZ Z hmo gHo$&
i) {ZXoeH$m| H$m nm[al{H$:
A`j Ed ~Y {ZXoeH$ VWm H$m`nmbH$ {ZXoeH$ H$m nm[al{H$ H|$r`
gaH$ma mam {ZYm[aV {H$`m OmVm h& ~H$ dV {ZXoeH$m| H$mo ~R>H$
ewH$, Omo {H$ {ZZ{bpIV h, Ho$ Abmdm A` {H$gr nm[al{H$ H$m
^wJVmZ Zht H$aVm h:
~moS> ~R>H$m| Ho$ {bE
: ` 10,000/- {V ~R>H$
g{{V ~R>H$m| Ho$ {bE
: ` 5,000/- {V ~R>H$
ii) hdnyU g`dhmam| Ama Am{WH$ g~Ym| H$m H$Q>Z
~H$ H$mamo~ma H$s gmm` H${V Ho$ Abmdm ~H$ Zo H$moB hdnyU
^m{VH$ g`dhma ({`mXr Om agrX YmaH$ H$n{Z`m| go g~{YV ~YH$/
JhUm{YH$ma Ho$ [d$ grm H$mo N>moS>H$a) BgHo$ dVH$m|, {ZXoeH$m| AWdm
~YZ, CZH$s AZwf{Jm| AWdm g~{Y`m| Am{X go Zht {H$`m h {OgH$m
~H$ Ho$ {hVm| go H$moB hdnyU {damoYm^mg hmo gH$Vm hmo&~H$ Ama BgHo$
Ja-H$m`nmbH$ {ZXoeH$ Ho$ ~rM df Ho$ XmamZ H$moB Am{WH$ g~Y AWdm
g`dhma Zht hE h&
~qH$J | `h gwWm{nV Wm h {H$ {ZXoeH$,S>b Ama S>b H$s Cn
g{{V`m| H$s CZ MMmAm| | ^mJ Zht boVo h O~ CZgo g~{YV `m CZHo$
[aVoXmam| go g~{YV H$moB mbm ~moS> | MMmYrZ hmoVm hmo&
iii) gmdO{ZH$ {ZJm|, A{YH$ma {ZJm|, A{Ym` {ZJm| Am{X H$s AmJ am{e`m
grjmYrZ df Ho$ XmamZ {Q>a - I , {Q>a - II nyOr H$mo ~T>mZo Ho$ {bE
~H$ Zo {ZZ {bIV Omar {H$E h :-
Nature of
Meeting
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4 AgmYmaU
Am ~R>H$
{bIV H$m Zm
~mSg/eoàm| H$s
g`m
25000
A{^XmVm H$m
Zm
{d{^
Omar H$aZo H$s

{V{W
08.08.2014
A{V[a$ {Q>à
I ~mS>
òH$ .10/- 2,00,00,000 EbAmBgr Ama 19.03.2015
Ho$ B{$Q>r eoà*
`moOZmE
26,45,502
{X `y B{S>`m
Emoaog H$.{b.
{V ~mS>/eoà
{ZJ y`
10 bmI
A{OV H$s J`r

am{e (` H$amoS> |)
2500.00
283.50
567.00
4 Extra ordinary
General
Meeting
5 Seventeenth
Annual
General
Meeting
6 Extra ordinary
General
Meeting
7 Sixteenth
Annual
General
Meeting
Date
& Time
Venue
03.12.2013
11.00 A.M.
29.06.2013
11.00 A.M.
Bank of India
Auditorium,
Star House,
Bandra-Kurla
Complex,
Mumbai
400 051.
Special
Resolution
passed
Preferential Issue
of Equity Shares
-
01.03.2013
3.00 P.M.
Preferential Issue
of Equity Shares
29.06.2012
3.00 P.M.
Disclosures :
The Bank is governed under the Banking Regulations Act 1949, Banking
Companies (Acquisition and Transfer of Undertakings) Act 1970 and
Nationalised Banks (Management & Miscellaneous Provisions) Scheme
1970. SEBI has clarified that for listed entities which are not companies,
but body corporate (e.g. private and public sector banks, financial
institutions, insurance companies etc.) incorporated under other statutes,
clause 49 of the listing agreement will apply only to the extent that it does
not violate their respective statutes and guidelines issued by the relevant
regulatory authorities.

i) Remuneration of Directors:

The remuneration of the Chairman & Managing Director and

the Executive Director is fixed by the Central Government.
The Bank does not pay any remuneration to the independent
directors excepting sitting fees which is as under:
For Board Meeting

:
For Committee Meeting :
ii) Disclosure of
Relationship
Material
` 10,000/- per meeting

` 5,000/- per meeting
Transactions
and
Pecuniary
Other than those in the normal course of banking business, the

Bank has not entered into any materially significant transaction
(except limits against pledge/lien of related companies own
term deposit receipt) own with its promoters, directors or the
management, their subsidiaries or relatives etc. that may have
potential conflict with the interests of the Bank at large. There
was no pecuniary relationship or transactions of the nonexecutive director vis-a-vis the bank during the year.
It is an established practice in the Bank that Directors do not

take part in the deliberations of the Board and other SubCommittees of the Board, when matters relating to them or to
their relatives are discussed.
iii) Proceeds From Public issues, Right issues, Preferential

issues etc.

During the year under review, the. Bank has issued the
following instruments to raise the Tier-I / Tier-II capital:-
Name of the
Instrument
Number
of Bonds/
Shares
Name of
Subscribers
Date of
Issue
Issue Price,
per bond /
share
Amount
Raised
(` In
Crores
Additional Tier I Bond
25000
Various
08.08.2014
10 lakhs
2500.00
Equity Share of ` 10/-*
2,00,00,000
283.50
567.00
26,45,502
75.00
* A{H$V y` `10/- {V eoà, {{` {V eoà ` 273.50
29
LIC &
19.03.2015
Schemes
The New India
Assurance
Co Ltd
*Face Value of `10/- per share, Premium per share ` 273.50.
75.00
/ BANK OF INDIA

nyOr n`mVm AZwnmV H$mo ge$ H$aZo Ho$ {bE VWm ~H$ H$s b~r Ad{Y
Ho$ m|Vmo H$mo {dH${gV H$aZo Ho$ {bE gd{YV {Q>à I VWm II Ho$ mW{H$
Co` g{hV {Z{Y ~T>mB JB VWm Bg Co` hoVw CgH$m Cn`moJ {H$`m J`m&
iv. {H$gr ^r Q>mH$ EgM|O, go~r `m A` dYm{ZH$ m{YH$mar mam {nN>bo
VrZ dfm] Ho$ XmamZ ~H$ na nyOr ~mOma go g~{YV {H$gr mbo na H$moB
XS> `m {V~Y Zht bJm`m J`m&
v. Q>mH$ EgM|O Ho$ gmW ~H$ Am$ B{S>`m mam gyMrH$aU H$ama H$s Ymam
47 (gr) Ho$ AVJV {H$E JE H$ama Ho$ mam AVaU H$aZo, ofU, Cn
{d^mOZ, goH$Z, ZdrZrH$aU Ed VwVrH$aU Ho$ EH$ mh Ho$ ^rVa
B{$Q>r eo`g Ho$ {d{Z` Ho$ g~Y | OmZH$mar Ho$ gmW-gmW `mdgm{`H$
H$nZr g{Md go òH$ N>: mh | EH$ mU n m {H$`m OmVm h& `h
mU n ~rEgB Ama EZEgB H$mo 30 {XZm| Ho$ ^rVa Ohm B{$Q>r eoà
gyMr~ h, o{fV {H$E OmVo h VWm {ZXoeH$ S>b Ho$ gj ^r VwV
{H$`m OmVm h&
vi. go~r Ho$ n[an g. S>r Ed grgr/E$AmBQ>rQ>rgr/grAmBAma- 16 {XZmH$
31 {Xg~a, 2002 H$s eVm] Ho$ AZwgma {deofmJmam| Ho$ gmW Hw$b {d>
B{$Q>r eoà nyOr Ho$ gmYmZ Ed ~H$ Am$ B{S>`m H$s Hw$b Omar/Xm
B{$Q>r nyOr g{hV `j $n | VwV {H$E OmZo Ho$ `moOZ Ho$ gmWgmW Q>rg H$aZo dmbo H$nZr g{Md H$s $ mam {Vmhr AmYma na
EH$ g{Mdr` boImnarjm [anmoQ> H$s OmVr h& Bg g~Y | Omar mUn
{ZXoeH$ S>b Ho$ gj VwV {H$E OmVo h Ed ~rEgB Ed EZEgB H$mo
o{fV {H$E OmVo h Ohm ~H$ Am$ B{S>`m Ho$ B{$Q>r eoà gyMr~ ahVo h&
vi. dVmZ | ~H$ Ho$ nmg H$moB ^m{VH$ AZwfJr Zht h&
vii. {Znj {ZXoeH$m| H$s ~R>H$ - df | H$ go H$ EH$ ~ma ~H$ H$mo {Znj
{ZXoeH$m| H$s ~R>H$ Am`mo{OV H$aZr Mm{hE&
ix. {Znj {ZXoeH$m| H$m {ejU :- df 2014-15 Ho$ XmamZ ~H$ Ho$
H$mamo~mar mS>b VWm CmoJ H$s H${V go n[aM` H$amZo Ho$ {bE {ZXoeH$m|
H$mo {ZZ{bpIV {ejU XmZ {H$`m J`m -
VmarI
{ZXoeH$m| Ho$ Zm
gWm H$m Zm
iv. No penalties or strictures were imposed on the Bank by any of

the Stock Exchanges, SEBI or any Statutory Authority on any
matter relating to Capital Markets during the last three years.
v.
1. S>m Ama.Eb. {~ZmoB

grEE$AmaEEb
2. lr gOrd Hw$ma AamoS>m
Ja-H$m`nmbH$
{ZXoeH$m| Ho$ {bE
H$m`H$
08.01.2015
go
09.01.2015
lr ZraO ^m{Q>`m
AmBAmBgrE
~H$m| VWm {dmr`

gWmAm| Ho$
Ja-H$m`nmbH$
{ZXoeH$m| Ho$ {bE
A{^wIrH$aU
{ejU H$m`H$
30.01.2015
go
31.01.2015
lr ZraO ^m{Q>`m
Ho$nrEOr
~moS> H$s ^mderbVm

| d{
12.02.2015
go
13.02.2015
S>m Ama.Eb. {~ZmoB
AmBAmBgrE
~H$m| VWm {dmr`

gWmAm| Ho$
Ja-H$m`nmbH$
{ZXoeH$m| Ho$ {bE
A{^wIrH$aU
{ejU H$m`H$
30.03.2015
1. lr Ama. nr. amR>o

EZEgB
2. lr gOrd Hw$ma AamoS>m
As required under clause 47[c] of the listing agreements entered

into by Bank of India with stock exchanges a certificate is
obtained every six months from a practising Company Secretary,
with regard to, inter alia, effecting transfer, transmission, subdivision, consolidation, renewal and exchange of equity shares
in the within one month of the lodgement. The certificates are
forwarded to BSE and NSE, where the equity shares are listed,
within 30 days of issuance and also placed before the Board
of Directors.
vi. In terms of SEBIs circular No.D&CC/FITTC/CIR-16 dated

December 31, 2002 a Reconciliation of capital Report is
conducted on a quarterly basis by a firm of practising company
secretaries, for the purpose of, inter alia, reconciliation of the
total admitted equity share capital with the depositaries and in
the physical form with the total issued/paid up equity capital
Bank of India. Certificate issued in this regard is placed before
the Board of Directors and forwarded to BSE and NSE, where
the equity shares of Bank of India are listed.
vii. At present the Bank does not have any material subsidiary.
viii. Independent Directors Meeting- The Bank will hold atleast
once in a year separate meeting of Independent Directors.
ix. Training of Independent Directors- During the year 2014-15
the Bank has provided the following training to Directors to
familiarize them with the nature of industry and business model
of the Bank Date
nmR>H$ H$m Zm
17.11.2014
The funds were raised with the primary objective of augmenting

Tier-I&II Capital for strengthening Capital Adequacy Ratio and
for improving the long- term resources of the Bank and the
same were utilised for the said purpose.
Name of Directors
17.11.2014 1. Dr. R. L. Bishnoi

2. Shri Sanjiv Kumar
Arora
08.01.2015 Shri Neeraj Bhatia
to
09.01.2015
30.01.2015 Shri Neeraj Bhatia

to
31.01.2015
12.02.2015 Dr. R. L. Bishnoi
to
13.02.2015
EZEgB | ~moS>
y`mH$Z na
H$mèmbm
30.03.2015 1. Shri R. P. Marathe

2. Shri Sanjiv Kumar
Arora
30
Name of
Institute
Name of Course
CAFRAL
Programme for
Non-Executive
Directors
Orientation
Training
Programme for
Non-Executive
Directors of Banks
and Financial
Institutions
Improving Board
Effectiveness
IICA
KPMG
IICA
NSE
Orientation
Training
Programme for
Non-Executive
Directors of Banks
and Financial
Institutions.
Workshop on
Board Evaluation
at NSE.
/ BANK OF INDIA
x.
{ZXoeH$m| VWm d[a> ~YZ Ho$ {bE AmMaU g{hVm ~H$ Ho$ do~gmBQ>
www.bankofindia.co.in/aboutus na nmoQ> {H$E JE&
xi. grdrgr Ho$ {Xem{ZX}em| Ho$ AZwgaU | nXm$me H$aZodmbr Zr{V H$mo gy{V {H$`m
J`m& Bgo ~H$ Ho$ ~odgmBQ> www.bankofindia.co.in/customercorner na
nmoQ> {H$`m J`m&
xii. g~{YV nj H$m boZXoZ : g~{YV nj boZXoZ H$mo boIm g{{V H$mo [anmoQ> {H$`m
OmVm h& g~{YV nj Ho$ boZXoZ na ~H$ H$s Zr{V H$mo ~H$ Ho$ do~gmBQ> www.
bankofindia.co.in/customercorner na nmoQ> {H$`m J`m& g~{YV nj Ho$
boZXoZ H$m {dVV dUZ EEg-18 Ho$ AVJV h&
xiii. nm[al{H$ Zr{V - A`j Ed ~Y {ZXoeH$ VWm H$m`nmbH$ {ZXoeH$m| H$s
nm[al{H$ ^maV gaH$ma mam {ZYm[aV H$s OmVr h& A` Q>m$ gX`m| Ho$ doVZ
H$m {ZYmaU ^maVr` ~H$ gK Ho$ gmW {njr` gPmVm AZwgma hmoVm h&
gMma - gmYZ :
{Vmhr VWm AYdm{fH$ n[aUm (AboImnar{jV qH$Vw gm{d{YH$ boImnarjH$m| mam
gr{V grjm Ho$ A`YrZ) VWm boImnar{jV dm{fH$ n[aUm AJoOr Ho$ BH$mZm{H$
Q>mBg/{~OZog Q>S>S>/$mBZope`b Egog/{~OZog bmBZ |, amR>r | gH$mb/
Zde{$/bmoH$gmm/Amnbm hmZJa | VWm {hXr | Zd^maV Q>mBg/Zd^maV |
H$m{eV hAm& n[aUm H$mo ~H$ Ho$ do~gmBQ> www.bankofindia.co.in. na ^r
X{eV {H$`m J`m h& gWmJV {ZdoeH$m| H$mo H$s JB Vw{V`m ^r ~H$ Ho$ do~gmBQ>
na CnbY h&
go~r VWm gyMr~ H$amaZmm mam Amd`H$VmZwgma Q>mH$ EgM|O H$mo ^m{VH$ ofU
Ho$ gmW ~H$ {dmr` VWm A` gyMZmE AmZbmBZ ^r $mBb H$aVr h &
1 Ab, 2015 go {dmr` H$b|S>a :
~H$ Ho$ {dVr n[aUmm| na {dMma H$aZo 28 B, 2015
Ama bm^me H$s {g$m[ae H$aZo Ho$ {bE
~moS> H$s ~R>H$.
19dt dm{fH$ Am-g^m H$m {XZmH$,
20 OwbmB, 2015 gw~h 11.00 ~Oo
g`, WmZ
~H$ Am$ B{S>m Am{S>Q>mo[a,
Q>ma hmDg, ~mm Hw$bm H$mbog,
w~B - 400 051.
dm{fH$ [anmoQ> Ho$ S>mH$ ofU H$s VmarI 24 OyZ, 2015
~hr ~X H$aZo H$s VmarI|
14 OwbmB go 20 OwbmB, 2015 VH$
namojr $m m hmoZo H$s A{V VmarI 13 OwbmB, 2015
bm^me ^wJVmZ H$s VmarI ({X Kmo{fV) 24 OwbmB, 2015
W 3 {Vm{h`m| Ho$ {bE Ja boIm
g~{YV {Vmhr Ho$ 45 {XZm| Ho$
nar{jV n[aUmm| na {dMma H$aZo Ho$ {bE AVJV
~moS> H$s ~R>H$
Q>mH$ EgM|Om| | gyMrH$aU :
~H$ Ho$ eoàm| H$m ~rEgB {b., ZoeZb Q>mH$ EgM|O Am$ B{S>`m {b. | gyMrH$aU
{H$`m J`m h& Q>mH$ pH$n H$moS> {ZZmZwgma h:
x. Code of Conduct for Directors and Senior Management is posted on

Banks websitewww.bankofindia.co.in/aboutus.
xi. Whistle Blower Policy in terms of CVC guidelines has
been formulated. The same is posted Banks websitewww.bankofindia.co.in/customercorner.
xii. Related Party transaction- The Related party transactions are
reported to Audit Committee. The Banks policy on Related Party
transaction is posted Banks websitewww.bankofindia.co.in/
customercorner. The details of related party transactions are as
detailed under AS-18.
xiii. Remuneration Policy- The remuneration of the Chairperson
and Managing Director and Executive Directors is fixed by the
Government of India. Salary of the other staff members is as per the
tripartite agreement of the IBA.
Means of Communication:
The quarterly and half-yearly financial results (unaudited but subject to
limited review by the Statutory Auditors) and audited Annual results were
published in the Economic Times/Business Standard/ Financial Express
/Business Line in English, Sakal /Navshakti/Lokmat/ Apla Mahanagar
in Marathi (Regional language) and Navbharat Times/Navbharat in
Hindi. The results were also displayed on the Banks website at www.
bankofindia.co.in. The presentations made to institutional investors are
also available on Banks website
As required by SEBI and in the Listing Agreements, Bank of India,
files its financial and other information online in addition to the physical
submission to the Stock Exchange.
Financial Calendar: From 1st April, 2015:
Board Meeting for considering Annual
Audited Accounts of Bank of India and
recommendation of dividend
28th May, 2015
Date, Time, Venue of 19th AGM
20th July, 2015 11 a.m.

Bank of India Auditorium,
Star House, Bandra Kurla
Complex, Mumbai - 400 051.
Posting of Annual Report
24th June, 2015
Book Closure dates
July 14th to July 20th, 2015
Last Date for receipt of proxy forms
July 13th, 2015
Date of payment of dividend

(if Declared)
24th July, 2015
Board Meeting for considering

Un-audited result for first 3 quarters
Within 45 days of the relevant

quarter.
Listing on Stock Exchanges

The shares of the Bank are listed on BSE Ltd. and The National Stock
Exchange of India Limited. The stock scrip codes are as follows:
532149
~rEgB {b.
BSE Ltd.
ZeZb Q>mH$ EgM|O Am$ B{S>`m {b. (EZEgB)
National Stock Exchange of India Limited (NSE) BANKINDIA EQ
AmBEgAmBEZ H$mH$
ISIN Number
INE084A01016
C$ XmoZm| Q>mH$ EgM|O H$mo df 2014-15 Ho$ {bE dm{fH$ gyMrH$aU ewH$ H$m
^wJVmZ H$a {X`m J`m h&
~H$ Zo Kaoby ~mOma | g`-g` na G$Un Ho$ n | An[adVZr` ~mS> ({Q>à
Ed II nyOr) Omar {H$ò h CZgo g~{YV `moam {ZZmZwgma h
Annual listing fee for 2015-16 has been paid to both of the stock
exchanges.
The Bank has issued Non Convertible Bonds in the nature of Debentures
(Tier I & II capital) from time to time in domestic market. The relevant
details thereof are as under:
31
/ BANK OF INDIA
~H$ Am$ B{S>`m ~mS> {Q>à I Ed {Q>à II nyOr pW{V `Wm 31.03.2015
H$. g.
PARTICULARS OF THE ISSUE
{ZJ H$m {ddaU
Sr. No
Bank of India Bond Tier I and Tier II Capital Position as on 31.03.2015
Hw$b y` (` H$amoS> |)
TOTAL VALUE (` in Crores)
AmBEgAmBEZ Z.
ISIN NO.
7.50% ~rAmoAmB lIbm-VIII-2015
7.50% BOI Series VIII 2015*
8.00% ~rAmoAmB lIbm-IX-2016
8.00% BOI SERIES IX 2016
200.00
AmBEZB/INE084A09100
9.80% ~rAmoAmB lIbm-X-2023
9.80% BOI SERIES X 2023
1000.00
AmBEZB/INE084A08037
9.80% ~rAmoAmB lIbm-XI-2023
9.80% BOI SERIES XI 2023
500.00
AmBEZB/INE084A08045
9.35% Ana {Q>à II lIbm-I-2021
9.35% UPPER TIER II SERIES I 2021
732.00
AmBEZB/INE084A09118
11.15% Ana {Q>à II lIbm-II-2023
11.15% UPPER TIER II SERIES II 2023
500.00
AmBEZB/INE084A09159
500.00
AmBEZB/INE084A09175
6
7
750.00
AmBEZB/INE084A09084
8.45% Ana {Q>à II lIbm-III-2024
8.45% UPPER TIER II SERIES III 2024
8.50% Ana {Q>à II lIbm-IV-2024
8.50% UPPER TIER II SERIES IV 2024
500.00
AmBEZB/INE084A09183
8.54% Ana {Q>à II lIbm-V-2025
8.54% UPPER TIER II SERIES V 2025
1000.00
AmBEZB/INE084A09209
10
8.48% Ana {Q>à II lIbm-VI-2025
8.48% UPPER TIER II SERIES VI 2025
1000.00
AmBEZB/INE084A09217
11
10.55% AmBnrS>rAmB ~mS>-lIbm I
10.55% IPDI Bonds-Series I
400.00
AmBEZB/INE084A09126
100.00
AmBEZB/INE084A09134
12
10.45% AmBnrS>rAmB ~mS>-lIbm II
10.45% IPDI Bonds-Series II
13
10.40% AmBnrS>rAmB ~mS>-lIbm III
10.40% IPDI Bonds-Series III
155.00
AmBEZB/INE084A09142
14
8.90% AmBnrS>rAmB ~mS>-lIbm IV
8.90% IPDI Bonds-Series IV
400.00
AmBEZB/INE084A09167
15
9.00% AmBnrS>rAmB ~mS>-lIbm V
9.00% IPDI Bonds-Series V
325.00
AmBEZB/INE084A09191
16
9.05% AmBnrS>rAmB ~mS>-lIbm VI
9.05% IPDI Bonds-Series VI
300.00
AmBEZB/INE084A09225
11.00% A{V[a$ {Q>à I lIbm I
11.00% Additional Tier I Series I
2500.00
AmBEZB/INE084A08052
Hw$b
TOTAL
17
16 Anb, 2015 H$mo ^wJVmZ {H$m Jm&

BZ g^r ~mS>m| H$m ZoeZb Q>mH$ EgM|O B.{b. | gyMrH$aU {H$`m J`m h VWm ~H$
Zo Q>mH$ EgM|O H$mo df 2015-16 H$m dm{fH$ ewH$ AXm {H$`m h&
F$U loUr {ZYmaU :
EO|gr
Xr JB aoqQ>J
Baa3 / P-3/Ba2
yS>rg BdoQ>a g{dg ( yS>rg)
BBB (-)
Q>S>S> Ed nyAa (Eg Ed nr)
CARE AAA
Ho${S>Q> EZm{b{gg Ed [agM {b.( grEAmaB)
MAAA
gmd{Y Om H$m`H$ hoVw AmBgrAmaE
AA+
~mS> hoVw AmBgrAmaE
CGR2
H$mnm}aoQ> emgZ Umbr hoVw AmBgrAmaE
AAA
grAmaAmBEgAmBEb ({H${gb){b.- ~mSg hoVw
A1+
grAmaAmBEgAmBEb ({H${gb){b.- Omam{e`m| Ho$
mU n hoVw
BWR AAA
{~H$dH$ aoqQ>J B{S>`m m.{b.- ~mSg hoVw
eoàm| H$m AyVuH$aU
~H$ Ho$ eoàm| H$m boZ-XoZ A{Zdm` $n go Ho$db AyV ({S>oQ>) $n | {H$`m
OmVm h& ~H$ Zo eoàm| Ho$ AyVuH$aU Ho$ {bE XmoZm| {ZjonmJmam| `Wm am>r`
{V^y{V {ZjonmJma {b.(EZEgS>rb) Ed Ho$r` {ZjonmJma godmE (B{S>`m) {b.
(grS>rEgEb) Ho$ gmW H$ama {H$`m h &
10862.00
*
Redeemed on 16.04.2015
All these bonds are listed on National Stock Exchange of India Ltd and
the Bank has paid the Annual listing fee for 2015-2016 to the Stock
Exchange.
Credit Ratings
Agency
Rating Assigned
Moodys Investor Service (Moodys)
Baa3 / P-3/Ba2
Standard & Poors (S&P)
BBB (-)
Credit Analysis & Research Limited (CARE)
CARE AAA
ICRA for Term Deposit Programme
MAAA
ICRA for Bonds
AA+
ICRA for Corporate Governance
CGR2
CRISIL Limited For Bonds
AAA
CRISIL Limited For Certificate of Deposits
A1+
Brickwork Ratings India Pvt Limited-For Bonds
BWR AAA
Dematerialisation of Shares
The Banks shares are being traded compulsorily in Demat form only.
The Bank has entered into agreements with both the Depositories viz.
National Securities Depositories Ltd. (NSDL) and Central Depository
Services (India) Ltd. (CDSL) for dematerialization of shares.
32
/ BANK OF INDIA

Particulars of shares in Demat and Physical form held by the shareholders
as of 31/03/2015 are as under:
31/03/2015 H$mo eoàYmaH$m| mam `j Ed AyV $n go Ym[aV eoàm| H$m `moam

{ZZmZwgma h :
eoàYmaH$m| H$s g`m
eoàm| H$s g`m
eoàYmaU H$m %
No. of share holders
No. of shares
shareholding%
CDSL
grS>rEgEb
EZEgS>rEb
`j
Hw$b
52891
102223
104155
259269
NSDL
Physical
Total
eoàYmaU nQ>Z `Wm 31.03.2015

Central Government (Promoters)
Ho$r` gaH$ma (dVH$)
Mutual Funds / UTI
`yMwAb $S>/`yQ>rAmB
Financial Institutions / Banks
{dmr` gWmE/~H$
Insurance Companies
~rm H$n{Z`m
Bodies Corporate
H$mnm}aoQ> {ZH$m`
Individuals
EH$b `{$
Non Resident Indians/ OCB
A{Zdmgr ^maVr`/Amogr~r
Foreign Institutional Investors
{dXoer gWmmJV {ZdoeH$
Total
Hw$b
npbH$ eoàYmaH$ H$m {ddaU {OZH$s eoàYm[aVm 1% go A{YH$ h
eoàYmaH$m| H$s g`m
eoàm| H$s g`m
60
6332677
1989130
0.30
37
114039792
17.15
2020
13510151
2.03
254851
42559593
6.40
2117
2806023
0.42
153
55303636
8.32
259269
664908515
100.00
Shareholding of persons (Public) holding more than 1% of the total

number of shares
eoàm| H$s g`mH$
eoàYm[aVm %
Life Insurance Corporation of India
% of Holding
14.93
The New India Assurance Co. Ltd
7171643
1.08
Statement Showing locked in Shares
bmS-BZ eoàm| H$s g`m
Hw$b eoàm| Ho$ % Ho$ $n | bmS>-BZ eoà
Number of locked in Shares
Locked in shares as a % of total number of shares
^maV Ho$ am>n{V
President of India
68482643
10.30
^maVr` OrdZ ~rm {ZJ
Life Insurance Corporation of

India and Schemes
20000000
3.01
2645502
0.40
X `y B{S>`m E`moaog H$. The New India Assurance

Co. Ltd
{b.
eoàYm[aVm H$m g{dVaU `Wm {XZmH$ 31 mM, 2015 :-
500 VH$
501 go1000
1001 go 5000
5001 go 10000
10001 Ed Bggo A{YH$
Hw$b
0.95
30
Number of Shares
99281603
Name of the Shareholder
Ym[aV B{$Q>r eoàm| H$s g`m
eoàYm[aVm %
Number of Shareholders Number of Shares % of Holding

1
428367513
64.43
Name of the Shareholder
eoàYmaH$ H$m Zm
eoàYmaH$ H$m Zm
66.07
31.55
2.38
100.00
Shareholding Pattern as on 31.03.2015

Category of Shareholders
eoàYmaH$m| H$m dJ
^maVr` OrdZ ~rm {ZJ

X `y B{S>`m E`moaog H$. {b.
bmS>-BZ eoà XemZo dmbm {ddaU
439288384
209787444
15832687
664908515
No of Equity Shares held

Upto 500
Distribution of Shareholdings as on 31st March, 2015
$mo{b`mo Folio
g`m Nos.
{VeV %age
eoà Shares
g`m Nos.
{VeV %age
248496
95.84
501 to 1000
6998
1001 to 5000
3011
5001 to 10000
274
0.11
2019342
0.30
10001 & above
490
0.19
621986739
93.55
259269
100.00
664908515
100.00
Total
33
29473082
4.43
2.70
5181426
0.78
1.16
6247926
0.94
/ BANK OF INDIA
eoà y`/mm :
EZEgB | m{gH$ $n go C Ed {ZZ ^md (H$moQ>oeZ) Ed eoàm| Ho$ boZ-XoZ H$s
mm {ZZmZwgma h :-
Share Price/Volume:
The monthly high and low quotation and the volume of Shares traded on
NSE are as under:-
Period
Ad{Y
Ab, 2014
B, 2014
OyZ, 2014
OwbmB, 2014
AJV, 2014
{gV~a, 2014
Ay$~a, 2014
Zd~a, 2014
{Xg~a, 2014
OZdar, 2015
$adar, 2015
mM, 2015
`Wm 31.03.2015 H$m A{V y`
~mOma nyOrH$aU (Hwb eoam| na AmYm[aV)
A{YH$V .
`yVZV .
Highest `
247.00
357.00
332.70
309.80
297.50
301.40
287.30
296.70
305.50
311.95
276.90
250.00
eoàm| Ho$ boZ-XoZ H$s mm
Lowest `
Volume of shares traded
210.75
84476668
230.10
131925496
275.50
114422592
256.25
95752786
262.25
58410434
230.05
68492916
224.60
54050302
269.00
62089345
271.45
80327641
261.55
64983596
221.20
79889954
191.50
58295631
` 195.85 (NSE)
` 13022.23 Crore
April, 2014
May, 2014
June, 2014
July, 2014
August, 2014
September, 2014
October, 2014
November, 2014
December, 2014
January, 2015
February, 2015
March, 2015
Closing Price as on 31.03.2015
Market Capitalisation (based on total shares)
`mnH$Vm AmYmadmbo gHo$VH$m| H$s VwbZm | H$m`-{ZnmXZ
Performance in comparison to Broad Based Indices
~rEgB na ~H$ Am$ B{S>`m eoà y`
EZEgB na ~H$ Am$ B{S>`m eoà y`
Bank of India Share Price on BSE
Bank of India Share Price on NSE

400.00
9500.00
30000
8500.00
29000
29000
28000
BOI
350.00
NSE
300.00
7500.00
250.00
6500.00
200.00
4500.00
Apr-14 May-14 Jun-14 Jul-14 Aug-14 Sep-14 Oct-14 Nov-14 Dec-14 Jan-15 Feb-15 Mar-15
H$mnm}aoQ> emgZ Ho$ A{Zdm` AZw~Y Ho$ AZwnmbZ H$m mUn

Q>mH$ EM|O Ho$ gmW gyMrH$aU H$ama H$s eVm] Ho$ AZwgma H$mnm}aoQ> emgZ Umbr
Ho$ A{Zdm` AZw~Y Ho$ AZwnmbZ go g~{YV ~H$ Ho$ gm{d{YH$ boIm narjH$m| Ho$
mam Omar mUn gb {H$`m J`m h&
A{Zdm`, Ja-A{Zdm` AnojmAm| H$m AZwnmbZ
~H$ Zo gyMr~Vm H$ama Ho$ IS> 49 H$s A{Zdm` AnojmAm| H$m AZwnmbZ {H$`m h
Ama H${WV IS> H$s Ja-A{Zdm` AnojmAm| Ho$ g~Y | ~H$ Zo Cgo AnZm`m Zht
h& BgHo$ H$m`md`Z H$s pW{V {ZZmZwgma h :H$. g.
Sr No.
1
BOI
350.00
27000
26000
300.00
25000
24000
250.00
23000
22000
200.00
21000
5500.00
150.00
100.00
400.00
BSE
20000
150.00
19000
18000
17000
Apr-14 May-14 Jun-14 Jul-14 Aug-14 Sep-14 Oct-14 Nov-14 Dec-14 Jan-15 Feb-15 Mar-15
100.00
Certificate of compliance of mandatory stipulations of Corporate

Governance
The certificate issued by the statutory auditors of the Bank, regarding
compliance of mandatory stipulations of corporate governance in terms
of the listing agreement with the Stock Exchange is attached.
Compliance of Mandatory / Non Mandatory Requirements.
The Bank has complied with the mandatory requirements of clause 49
of the Listing Agreement in respect of non mandatory requirements of
the said clause, the Bank has not adopted the same. The status of its
implementation is as under:
Ja A{Zdm` AnojmE
H$m`md`Z H$s pW{V
Non Mandatory requirements
Status of implementation
~moS> - EH$ Ja H$m`nmbH$ A`j H$nZr Ho$ IM na A`j H$m H$m`mb` aIZo bmJy Zht, `m|{H$ A`j H$m nX H$m`nmbH$ H$m h&
Not applicable, since the Chairmans Position is Executive
Ho$ {bE hH$Xma
The Board - A non executive Chairman may be entitled to maintain
a Chairmans office at the Companys expense
34
/ BANK OF INDIA
H$. g.
Ja A{Zdm` AnojmE
Sr No.
2
H$m`md`Z H$s pW{V
Non Mandatory requirements
Status of implementation
eoàYmaH$m| H$m A{YH$ma- {dJV N>: hrZm| | hdnyU KQ>ZmAm| H$m gmame {Vmhr/dm{fH$ {dmr` {ddaU Ed wI {deofVmE EZEgB Ama ~rEgB H$mo
g{hV {dmr` H$m`{ZnmXZ H$s AYdm{fH$ KmofUm eoàYmaH$m| H$mo ôOr Om ôOr OmVr h Ama AI~mam| | H$m{eV H$s OmVr h VWm ~H$ H$s do~gmBQ> na
gH$Vr h&
X{eV H$s OmVr h& AV: eoàYmaH$m| H$mo dm{fH$ gyMZm `{$e: ôOr OmVr
Shareholders Rights - A half-yearly declaration of financial h&
performance including summary of the significant events in last six- The quarterly/year to date/ Annual Financial Results are sent to NSE
months, may be sent to shareholders.
& BSE & published in Newspapers and placed on Banks website
including highlights. As such annual information to Shareholders is
being sent individually.
boIm narjm AhVm- ~H$ AZ$m{b$mBS> $Zpe`b Q>oQ>|Q> H$s Wm H$s Amoa ~H$ Ho$ dm{fH$ {dmr` {ddaU AZ$m{b$mBS> h& hdnyU boImH$Z Zr{V`m
AJga hmo gH$Vm h &
Ama ImVm| na {Q>n{U`m AZwgy{M`m| | CnbY h Omo {H$ dUZmH$ H${V
Audit Qualification - Bank may move towards a regime of Ho$ h&
unqualified financial statements.
The banks Annual Financial Statements are unqualified. Significant

Accounting Policies and Notes to Accounts are contained in
schedules, which are explanatory in nature.
A`j Ed grBAmo Ho$ nWH$ nX - A`j Ed ~Y {ZXoeH$ /grBAmo Ho$ nX Ho$ bmJy Zht, `m|{H$ A`j H$m nX H$m`nmbH$ H$m h&
Not applicable, since the Chairmans Position is Executive.
{bE ~H$ AbJ AbJ `{$`m| H$mo {Z`w$ H$a gH$Vm h&
Separate posts of Chairman and CEO - The Bank may appoint
separate persons to the post of Chairman and Managing Director/
CEO.
AmV[aH$ boIm narjH$m| H$s [anmo{Q>J - AmV[aH$ boIm narjH$ grYo boIm narjm ~H$ H$m {ZarjU Ama boIm narjm {d^mJ {Z`{V $n go {d{^ boIm {ZH$fm]
g{{V H$mo [anmoQ> H$a gH$Vo h&
H$mo boIm narjm g{{V H$mo VwV H$aVm h&
Reporting of Internal Auditor - The Internal auditor may report Inspection and Audit Department of the Bank regularly submits the
directly to the Audit Committee.
details of various audit findings to the audit committee

~moS> Ho$ {ZXoeH$m| Ho$ {bE Ed CZH$s Amoa go
For and on behalf of the Board of Directors

WmZ : w~B
{XZmH$: 28 B, 2015
h/
(lrVr dr Ama Aa)
Aj Ed ~Y {ZXoeH$
Sd/Place : Mumbai
Date : 28th May, 2015
35
(Mrs. V. R. Iyer)
/ BANK OF INDIA
H$mnm}aoQ> {ZU na boIm narjH$m| H$m mUn
AUDITORS CERTIFICATE ON CORPORATE GOVERNANCE

The Members of Bank of India,
Star House, C-5, G Block,
Bandra-Kurla Complex,
Bandra (East),
Mumbai - 400 051.
~H$ Am$ B{S>m Ho$ gX

Q>ma hmD$g, gr-5, Or bmH$,
~mm-Hw$bm gHw$b,
~mm (nyd),
w~B - 400 051
hZo C$ ~H$ H$m Q>mH$ EgM|O Ho$ gmW gyMrH$aU H$ama Ho$ IS> 49 | Xr
JB eV Ho$ AZwgma 31 mM 2015 H$mo gm df Ho$ {bE ~H$ Am$ B{S>`m
mam H$mnm}aoQ> emgZ Umbr H$s eVm] Ho$ AZwnmbZ H$s OmM H$s h&
H$mnm}aoQ> emgZ Umbr H$s eVm] H$m AZwnmbZ ~YZ H$s {OoXmar h& hmar
OmM H$mnm}aoQ> emgZ Umbr H$s eVm] Ho$ AZwnmbZ H$mo gw{Z{MV H$aZo Ho$ {bE
~H$ mam AnZmB JB H$mÙmbr VWm CgHo$ H$m`md`Z VH$ gr{V Wr & `h
~H$ Ho$ {dmr` {ddaUm| H$s Z Vmo boIm narjm h Ama Z hr V H$s A{^`{$
h&
hmar am` | Ama h| m OmZH$mar Ho$ AZwgma Ama h| {XE JE n>rH$aU
Ho$ AZwgma h m{UV H$aVo h H$s D$na CoI {H$E JE gy{MH$aU H$ama Ho$
AZwgma ~H$ Zo H$mnm}aoQ> emgZ Umbr H$s eVm] H$mo nyam {H$`m h&
^maVr` gZXr boImH$ma gWmZ mam Omar JmBS|>g ZmoQ> H$s Amd`H$VmAm| Ho$
AZwgma h A{^`$ H$aVo h {H$ eoàhmoS>g ES> BdoQ>g Jrdg g{{V mam
aIo JE [aH$mS> Ho$ AZwgma ~H$ Ho$ {d Eogr H$moB {ZdoeH$ {eH$m`V b{~V
Zht h Omo EH$ hrZo go A{YH$ hmo&
h `h ^r A{^`$ H$aVo h {H$ `h AZwnmbZ Z Vmo ^{d` | ~H$ H$s
`dhm`Vm H$m AmdmgZ h Ama Z hr ~YZ mam ~H$ H$s XjVm `m
^mderbVm go gMmbZ go g~pYV h&
ogg BgmH$ ES> gwaoe
M/s. Isaac & Suresh

gZXr boImH$ma Chartered Accountants
(E$AmaEZ 001150Eg) (FRN 001150S)
Ho$ {dO mohZ dm{bVZ K.Vijaya Mohan Valiathan

^mJrXma Partner
gX`Vm g 028648 M. No. 028648
ogg Oo. nr. H$nya ES> C~oam M/s. J. P. Kapur & Uberai
(E$AmaEZ 000593EZ) (FRN 000593N)
XrnH$ oZZ Deepak Menon
^mJrXma Partner
gX`Vm g. 084225 M. No. 084225
We have examined the compliance of conditions of Corporate

Governance by Bank of India for the year ended 31st March,
2015 as stipulated in Clause 49 of the listing agreement of the
said Bank with Stock Exchanges.
The compliance of conditions of corporate governance is the
responsibility of the Management. Our examination was limited
to procedures and implementation thereof, adopted by the
bank for ensuring the compliance of the conditions of corporate
governance. It is neither an audit nor an expression of opinion
on the financial statements of the Bank.
In our opinion and to the best of our information and according to
the explanations given to us, we certify that the Bank has complied
with the conditions of corporate governance as stipulated in the
above mentioned Listing Agreement.
As required by the Guidance Note issued by the Institute of
Chartered Accountants of India, we have to state that no investor
grievance is pending for a period exceeding one month against
the bank as per the records maintained by the Shareholders and
Investors Grievance Committee.
We further state that such compliance is neither an assurance as
to the future viability of the bank nor the efficiency or effectiveness
with which the management has conducted the affairs of the
Bank.
ogg E E {Zgr ES> H$.
M/s. M. M. Nissim and Co.

(E$AmaEZ 107122S>`y) (FRN 107122W)
gO IomZr Sanjay Khemani

^mJrXma Partner
gX`Vm g. 044577 M. No. 044577
ogg Jmoda bm ES> ohVm M/s Grover, Lalla & Mehta
(E$AmaEZ 002830EZ) (FRN 002830N)
AemoH$ Jmoda Ashok Grover
^mJrXma Partner
gX`Vm g. 081784 M.No. 081784
36
ogg S>r qgh ES> H$.

M/s. D. Singh & Co.
(E$AmaEZ 001351EZ) (FRN 001351N)
{gaZ qgh Simran Singh

^mJrXma Partner
gX`Vm g. 098641 M. No. 098641
ogg ~r amZ ES> Egmo{eEQg M/s. B.Rattan & Associates
(E$AmaEZ 011798EZ) (FRN 011798 N )
amHo$e Hw$ma Rakesh Kumar
^mJrXma Partner
gX`Vm g. 095399 M.No.095399
/ BANK OF INDIA
CEO / CFO Certification
grBAmo/grE$Amo mUrH$aU
{ZXoeH$ S>b
~H$ Am$ B{S>`m
w~B
hmoX`,
{df`: df 2014-15 Ho$ {bE grBAmo/grE$mo mUrH$aU
~rEgB {b{Q>oS> Ama ZeZb Q>mH$ EM|O {b{Q>oS> Ho$ gmW gyMrH$aU H$ama Ho$
IS> 41 Ed 49 Ho$ AmYma na h, EVmam m{UV H$aVo h {H$ :
H$) df 2014-15 hoVw hZo {dmr` {ddaU Ama ZH$X dmh {ddaU H$s grjm
H$s h Ama hmar gdm}m OmZH$mar Ed {ddmg Ho$ AZwgma :
1) BZ {ddaUm| | H$moB VmpdH$ $n go JbV {ddaU Zht h AWdm BZ| H$moB
hdnyU V` N>moS>m Zht J`m h AWdm Bg| H$moB Eogo H$WZ Zht h Omo
^ H$s pW{V nXm H$aVo hm|&
2) ò g^r {ddaU {bH$a ~H$ H$s J{V{d{Y`m| H$m ghr Ama C{MV {>H$moU
VwV H$aVo h Ama ò dVmZ boImH$Z mZH$m|, bmJy {Z`m| Ama {d{Z`m|
H$m AZwnmbZ H$aVo h&
I) hmar gdm}m OmZH$mar Ama {ddmg Ho$ AZwgma, ~H$ Zo df Ho$ XmamZ Eogm
H$moB g`dhma Zht {H$`m h Omo YmoImYS>rnyU hmo, AdY hmo AWdm Omo {H$ ~H$
H$s AmMma g{hVm H$m CKZ H$aVm hmo&
J) h {dmr` [anmo{Q>J hoVw AmV[aH$ {Z`H$m| H$s WmnZm Ed aIaImd H$s
{OoXmar H$mo drH$ma H$aVo h Ama drH$ma H$aVo h {H$ hZo {dmr` [anmo{Q>J
go g~{YV ~H$ Ho$ AmV[aH$ {ZÙ Um{b`m| H$s ^mdH$m[aVm H$m y`mH$Z
{H$`m h Ama Eogo AmV[aH$ {ZÙm| Ho$ n[aMmbZ AWdm {S>OmBZ | H${`m| H$m
Iwbmgm boIm narjH$m| Ed boIm narjm g{{V Ho$ gj {H$`m h& AJa Eogr
H$r H$s OmZH$mar h| h Vmo CZ H${`m| H$mo Xya H$aZo hoVw hZo H$X CR>mE h
`m H$X CR>m`m OmZm Vm{dV h&
K) hZo boIm narjH$m| Ed boIm narjm g{{V`m| H$mo `h gy{MV {H$`m h:1) df Ho$ XmamZ {dmr` [anmo{Q>J na AmV[aH$ {ZÙ | hdnyU n[adVZ
2) df Ho$ XmamZ boImH$Z Zr{V`m| | hdnyU n[adVZ Ama CZH$m H$Q>Z
{dmr` {ddaUm| na {Q>n{U`m| | {H$`m J`m h Ama
3) AJa {H$gr Eogr ~S>r YmoImYS>r H$s h| OmZH$mar {br hmo Ama {Og|
~YZ AWdm {dmr` [anmo{Q>J na ~H$ Ho$ AmV[aH$ {ZÙ | hdnyU
^y{H$m aIZo dmbm H$moB H$Mmar em{b hmo&
H$Vo ~H$ Am$ B{S>m
h/
(lrVr dr Ama Aa)
(AZV Cnm`m`)
w` {dmr` A{YH$mar
Aj Ed ~Y {ZXoeH$
WmZ
{XZmH$ 28 B, 2015
Board of Directors,
Bank of India,
Mumbai
Dear Sir,
Re: CEO/CFO Certification for the year 2014-15
Pursuant to clause 41 and 49 of the Listing Agreement with BSE Limited
and National Stock Exchange Limited, we hereby certify that:
a.
We have reviewed financial statement and the cash flow statement

for the year 2014-15 and that to the best of our knowledge and
belief:
i. These statements do not contain any materially untrue
statement or omit any material fact or contain statements that
might be misleading:
ii.
These statements together present a true and fair view of the

Banks affairs and are in compliance with existing accounting
standards, applicable laws and regulations.
b. There are, to the best of our knowledge and belief, no transactions

entered into by the Bank during the year which are fraudulent, illegal
or violative of the Banks code of conduct.
c. We accept responsibility for establishing and maintaining internal
controls for financial reporting and that we have evaluated the
effectiveness of internal control systems of the Bank pertaining to
financial reporting and we have disclosed to the auditors and the
Audit Committee deficiencies in the design or operation of such
internal controls, if any, of which we are aware and the steps we
have taken or propose to take to rectify these deficiencies.
d.
We have indicated to the Auditors and the Audit Committee.

i.
Significant changes in internal control over financial reporting

during the year.
ii.
Significant changes in accounting policies during the year and

that the same have been disclosed in the notes to the financial
statements and
iii. Instances of significant fraud of which we have become aware

and the involvement therein, if any, of the management or an
employee having a significant role in the Banks internal control
system over financial reporting.
For Bank of India
Sd/-
Sd/-
(Anant Upadhyay)
Chief Financial Officer
Place: Mumbai
(Mrs. V. R. Iyer)
Date: 28th May, 2015
w H$mnmbH$ A{YH$mar mam KmofUm
DECLARATION BY CEO
~H$ Zo g^r {ZXoeH$m| Ama H$moa ~YZ Ho$ {bE AmMaU g{hVm {ZYm[aV H$s
h, {OgH$m gma ~H$ H$s do~gmBQ> na X{eV {H$m Jm h& {ZXoeH$m| VWm H$moa
~YZ Zo {dmr df 31 mM, 2015 H$s gmpV Ho$ {bE AmMma g{hVm Ho$
AZwnmbZ H$s nw{> H$s h&
The Bank has laid down a Code of Conduct for all the
directors and Core Management of the Bank, the text of
which is posted on the Banks website. The Directors and
Core Management have affirmed compliance with the Code of
Conduct for the financial year ended 31st March, 2015.

WmZ
{XZmH$ 28 B, 2015

Place: Mumbai
Date: 28th May, 2015
h/
(lrVr dr Ama Aa)

Aj Ed ~Y {ZXoeH$
37
Sd/(Mrs. V. R. Iyer)
/ BANK OF INDIA
VwbZ n Ama bm^ d hm{Z ImVo H$s w` {deofVmAm| go g~{YV {ddaU

~H$ Am$ B{S>`m H$m g{j VwbZ n `Wm 31 mM 2015
am{e ` bmIm| |
Q>S> AbmoZ
nyOr
Ama{jV {Z{Y Ama A{Yeof
Omam{e`m
CYma
A` Xo`VmE VWm mdYmZ
^maVr` [aOd ~H$ | ZH$Xr Ama eof

am{e`m
~H$m| | eof Ama mJ na VWm An
gyMZm na m` YZ
{Zdoe
nyOr Ama Xo`VmE

BpdQ>r
gm{d{YH$ Ama{jV {Z{Y
nyOr Ama{jV {Z{Y
eoà r{`
amOd Ama A` Ama{jV {Z{Y
bm^ Ed hm{Z ImVo | eof am{e
Ang`H$ {hV
mJ Omam{e`m
~MV ~H$ Omam{e`m
gmd{Y Omam{e`m
^maV | CYma
(H$) ^maVr` [aOd ~H$ go
(I) A` ~H$m| go
(J) A` gWmAm| Ama EO|{g`m| go
^maV Ho$ ~mha go CYma
Xo` {~b
AVa-H$m`mb` gm`moOZ ({Zdb)
Cn{MV `mO
mZH$ AmpV`m| hoVw dYmZ
AmW{JV H$a Xo`VmE ({Zdb)
A`
Hw$b nyOr Ama Xo`VmE
AmpV`m
^maV | ~H$m| | eof

mJ na Ama An gyMZm na m YZ am{e
^maV Ho$ ~mha eof
^maV |
(H$) gaH$mar {V^y{V`m
(I) A` AZwmo{XV {V^y{V`m
(J) eoàm| |
(K) {S>~|Ma Ama ~Yn
(L>) AZwf{J`m Ama / gwV C
(M) A`
^maV Ho$ ~mha
38
go{H$V
Mmby df
{dJV df
Mmby df
{dJV df
31/03/2015
31/03/2014
31/03/2015
31/03/2014
66,565
64,300
66,565
64,300
708,688
665,688
708,688
665,688
592,176
626,052
580,546
640,402
620,430
558,495
628,590
566,655
1,156,815
1,077,773
1,267,895
1,140,327
16,793
8,400
2,147,565
2,158,961
2,168,366
2,176,327
9,713,367
8,784,891
9,725,553
8,797,139
41,329,731
36,753,553
41,554,311
36,896,042
208,168
468,656
208,168
468,656
277,618
247,863
279,567
247,863
1,544,319
1,547,831
1,544,319
1,547,831
1,975,609
2,578,401
1,977,814
2,578,401
111,241
109,819
111,458
110,070
266,840
184,156
268,631
185,485
236,524
198,432
236,902
199,102
66,899
158,657
66,899
158,657
847,222
1,135,492
1,117,409
1,364,115
61,869,776
57,319,020
62,528,474
57,815,460
2,717,003
1,907,344
2,749,838
1,928,786
942,731
1,023,417
944,280
1,024,609
3,980,635
3,207,468
3,999,774
3,222,636
10,199,492
9,668,026
10,269,756
9,715,775
116
116
17,542
14,427
121,884
89,698
209,205
164,896
771,820
838,628
799,266
864,946
48,638
44,568
121,581
95,823
345,222
210,064
405,886
258,719
492,032
564,144
496,316
534,388
/ BANK OF INDIA
Statement containing salient features of Balance Sheet and Profit & Loss Account
Abridged Balance Sheet of Bank of India as on March 31, 2015
Amt in ` Lakhs
Consolidated
Standalone
Current Year
Previous Year
Current Year
Previous Year
31/3/2015
31/3/2014
31/3/2015
31/3/2014
CAPITAL & LIABILITIES

Capital
Reserves & Surplus
Equity
66,565
708,688
665,688
708,688
665,688
592,176
626,052
580,546
640,402
620,430
558,495
628,590
566,655
1,156,815
1,077,773
1,267,895
1,140,327
Balance in Profit & Loss A/c
Minority Interest
16,793
8,400
2,147,565
2,158,961
2,168,366
2,176,327
Demand Deposits
Savings Bank Deposits
Term Deposits
9,713,367
8,784,891
9,725,553
8,797,139
41,329,731
36,753,553
41,554,311
36,896,042
208,168
468,656
208,168
468,656
Borrowings in India
(a) from Reserve Bank of India
(b) from other banks
Other Liabilities & Provisions
64,300
Statutory Reserves
Share Premium
Borrowings
66,565
Capital Reserves
Revenue & Other Reserves
Deposits
64,300
277,618
247,863
279,567
247,863
(c) from other institutions and agencies
1,544,319
1,547,831
1,544,319
1,547,831
Borrowings outside India
1,975,609
2,578,401
1,977,814
2,578,401
111,241
109,819
111,458
110,070
Bills Payable
Inter-office Adjustments (net)
Interest Accrued
266,840
184,156
268,631
185,485
Provisions towards Standard Assets
236,524
198,432
236,902
199,102
Deferred Tax Liability (net)

Others
TOTAL CAPITAL & LIABILITIES
66,899
158,657
66,899
158,657
847,222
1,135,492
1,117,409
1,364,115
61,869,776
57,319,020
62,528,474
57,815,460
2,717,003
1,907,344
2,749,838
1,928,786
942,731
1,023,417
944,280
1,024,609
3,980,635
3,207,468
3,999,774
3,222,636
10,199,492
9,668,026
10,269,756
9,715,775
ASSETS
Cash & Balance with Reserve
Bank of India
Balance with banks & money
at call & short notice
Balance with banks in India

Money at call & short notice in India
Balances outside India
Investments
In India
(a) Government Securities
116
116
17,542
14,427
(c) Shares
(b) Other approved securities
121,884
89,698
209,205
164,896
(d) Debentures & Bonds
771,820
838,628
799,266
864,946
48,638
44,568
121,581
95,823
(f) Others
(e) Subsidiaries and/or Joint Ventures
345,222
210,064
405,886
258,719
Outside India
492,032
564,144
496,316
534,388
39
/ BANK OF INDIA
VwbZ n Ama bm^ d hm{Z ImVm Am{X H$s w` {deofVmAm| go g~{YV {ddaU
~H$ Am$ B{S>`m H$m g{j VwbZ n `Wm 31 mM 2015
am{e ` bmIm| |
Q>S> AbmoZ
A{J
^maV |
(H$) H$sV {~b Ama ~>mH$V {~b
(I) ZH$X CYma, AmodaSmQ> Ama mJ na {VgXo`
F$U
J) gmd{Y F$U
^maV Ho$ ~mha
AMb AmpV`m
A` AmpV`m
AVa-H$m`mb` gm`moOZ ({Zdb)

Cn{MV `mO
A{J $n go Xm H$a/moV na H$mQ>o JE H$a ({Zdb)
AmW{JV H$a AmpV`m ({Zdb)
Xmdm| H$s ny{V
A`
Hw$b AmpV`m
~H$ Ho$ {d Xmdo {Oh| F$U Ho$ $n | drH$ma Zht
{H$`m J`m h
~H$m`m dm`Xm {d{Z` g{dXmAm| Ho$ H$maU Xo`VmE
gKQ>H$m| H$s Amoa go Xr JB Jma{Q>`m
gH$ma, n>mH$Z Ama A` Xm{`d
A` X| {OZHo$ {bE ~H$ AmH$pH$ $n go XoZXma h
AmH$pH$ Xo`VmE
dgybr Ho$ {bE {~b

lrVr dr. Ama. Aà
{dJV df
Mmby df
{dJV df
31/03/2015
31/03/2014
31/03/2015
31/03/2014
813,459
960,766
813,459
960,766
13,454,764
13,299,821
13,454,764
13,299,821
13,819,771
11,700,902
13,820,122
11,701,043
12,114,560
11,111,865
12,350,590
11,305,516
588,553
578,606
591,449
582,019
30,056
189,148
30,056
189,148
250,831
260,206
254,306
263,230
532,891
520,522
532,897
520,535
12,992
12,668
13,447
13,222
632,324
1,131,043
653,940
1,155,155
61,869,776
57,319,020
62,528,474
57,815,460
115,931
104,491
115,931
104,491
7,103,514
14,318,284
7,114,690
14,325,827
3,097,781
4,130,245
3,112,997
4,145,558
3,901,026
3,059,602
3,901,266
3,066,371
3,231,894
3,634,308
3,244,314
3,640,397
2,641,239
2,148,298
2,642,018
2,186,272
{~. nr. em
Ama.nr. amR>o
Ama. E. eH$a ZmamUZ
AZV Cnmm
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
w {dmr A{YH$mar
Mrs. V.R. Iyer
B.P. Sharma
Chairperson and
Managing Director
Executive Director
A`j Ed ~Y {ZXoeH$
go{H$V
Mmby df
R. P. Marathe
R.A.Sankara Narayanan
Executive Director
{ZXoeH$JU
Executive Director
DIRECTORS
AZyn dYmdZ Anup Wadhawan

Ama. Eb. {~ZmoB R. L. Bishnoi
Eg. Eg. ~m[aH$ S. S. Barik

ZraO ^m[Qm Neeraj Bhatia
ogg BgmH$ ES> gwaoe
g {V{W H$s hmar gbZ [anmoQ> Ho$ AZwgma In terms of our report of even date attached
ogg S>r qgh ES> H$.
M/s. Isaac & Suresh

(E$AmaEZ 001150Eg) (FRN 001150S)

^mJrXma Partner
gX`Vm g 028648 M. No. 028648
(E$AmaEZ 000593EZ) (FRN 000593N)
^mJrXma Partner
gX`Vm g. 084225 M. No. 084225
Anant Upadhyay
haqdXa qgh Harvinder Singh

S>r h[ae D Harish
E. E. naoam A. M. Pereira
gOrd Hw$ma Aamoam Sanjiv Kumar Arora

(E$AmaEZ 107122S>`y) (FRN 107122W)
M/s. D. Singh & Co.

(E$AmaEZ 001351EZ) (FRN 001351N)

^mJrXma Partner
gX`Vm g. 044577 M. No. 044577
(E$AmaEZ 002830EZ) (FRN 002830N)
^mJrXma Partner
gX`Vm g. 081784 M.No. 081784

^mJrXma Partner
gX`Vm g. 098641 M. No. 098641
(E$AmaEZ 011798EZ) (FRN 011798 N )
^mJrXma Partner
gX`Vm g. 095399 M.No.095399
{XZmH$ : 28 B, 2015 / Date : 28th May, 2015
40
/ BANK OF INDIA
Statement containing salient features of Balance Sheet and Profit & Loss Account
Abridged Balance Sheet of Bank of India as on March 31, 2015
Amt in ` Lakhs
Consolidated
Standalone
Advances
In India
(a) Bills purchased & discounted
(b) Cash Credit, overdraft & loans
repayable on demand
(c) Term Loans
Outside India
Fixed Assets
Other Assets
Previous Year
Current Year
Previous Year
31/3/2015
31/3/2014
31/3/2015
31/3/2014
813,459
13,454,764
960,766
13,299,821
813,459
13,454,764
960,766
13,299,821
13,819,771
12,114,560
588,553
30,056
11,700,902
11,111,865
578,606
189,148
13,820,122
12,350,590
591,449
30,056
11,701,043
11,305,516
582,019
189,148
Interest Accrued
250,831
260,206
254,306
263,230
Tax paid in advance / at source

Deferred Tax Assets (net)
Non-banking assets acquired in
satisfaction of claims
Others
TOTAL ASSETS
Claims against the banks not
acknowledged as debts
Liability on account of outstanding
forward exchange contracts
Guarantees given on account of
constituents
Acceptances, endorsements & other
obligations
Other items for which the bank is
contingently liable
532,891
12,992
-
520,522
12,668
-
532,897
13,447
-
520,535
13,222
-
632,324
61,869,776
115,931
1,131,043
57,319,020
104,491
653,940
62,528,474
115,931
1,155,155
57,815,460
104,491
7,103,514
14,318,284
7,114,690
14,325,827
3,097,781
4,130,245
3,112,997
4,145,558
3,901,026
3,059,602
3,901,266
3,066,371
3,231,894
3,634,308
3,244,314
3,640,397
2,641,239
2,148,298
2,642,018
2,186,272
Inter Office Adjustments(net)
Contingent liabilities
Current Year
Bills for collection
lrVr dr. Ama. Aà
{~. nr. em
Ama.nr. amR>o
Ama. E. eH$a ZmamUZ
AZV Cnmm
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
w {dmr A{YH$mar
Mrs. V.R. Iyer
B.P. Sharma
Chairperson and
Managing Director
Executive Director
A`j Ed ~Y {ZXoeH$
R. P. Marathe
Executive Director
{ZXoeH$JU
Executive Director
DIRECTORS


ogg BgmH$ ES> gwaoe
ogg S>r qgh ES> H$.
M/s. Isaac & Suresh

(E$AmaEZ 001150Eg) (FRN 001150S)

^mJrXma Partner
gX`Vm g 028648 M. No. 028648
(E$AmaEZ 000593EZ) (FRN 000593N)
^mJrXma Partner
gX`Vm g. 084225 M. No. 084225
Anant Upadhyay

S>r h[ae D Harish

(E$AmaEZ 107122S>`y) (FRN 107122W)
M/s. D. Singh & Co.

(E$AmaEZ 001351EZ) (FRN 001351N)

^mJrXma Partner
gX`Vm g. 044577 M. No. 044577
(E$AmaEZ 002830EZ) (FRN 002830N)
^mJrXma Partner
gX`Vm g. 081784 M.No. 081784

^mJrXma Partner
gX`Vm g. 098641 M. No. 098641
(E$AmaEZ 011798EZ) (FRN 011798 N )
^mJrXma Partner
gX`Vm g. 095399 M.No.095399
{XZmH$ : 28 B, 2015 / Date : 28th May, 2015
41
/ BANK OF INDIA
31 mM 2015 H$mo gmV df Ho$ {bE ~H$ Am$ B{S>`m H$m g{j bm^ Ed hm{Z ImVm
am{e ` bmIm| |
Q>S> AbmoZ
go{H$V
Mmby df
{dJV df
Mmby df
{dJV df
31/03/2015
31/03/2014
31/03/2015
31/03/2014
Am`
A{OV `mO
3,167,816
2,711,928
3,187,818
2,729,833
{Zdoem| na
939,991
840,496
942,375
842,441
^maVr` [aOd ~H$ Ho$ nmg eof am{e`m| Ama A`

AVa ~H$ {Z{Y`m| na
214,325
200,337
217,434
201,911
20,859
38,249
20,860
38,334
161,002
142,609
162,137
143,781
93,094
79,563
93,481
79,713
68,642
71,117
69,423
72,021
4,722
4,590
4,722
4,488
95,810
131,305
98,043
131,892
4,766,261
4,220,194
4,796,295
4,244,419
2,892,141
2,377,492
2,904,988
2,386,351
^maVr` [aOd ~H$/ AVa ~H$ CYmam| na
161,407
183,751
161,941
183,910
A`
155,076
146,714
155,076
146,716
H$Mm[a`m| H$mo ^wJVmZ Ama CZHo$ {bE mdYmZ
498,582
399,115
503,130
403,659
59,835
53,485
61,390
54,973
A{Jm|/ {~bm| na
A`
A` Am`
H$reZ, {d{Z` Ama Xbmbr

{Zdoem| H$s {~H$s na {Zdb bm^
^y{, ^dZ Ama A` AmpV`m| H$s$ {~H$s na {Zdb
bm^
{d{Z` g`dhmam| na {Zdb bm^
{dXoem| / ^maV | AZwf{J`m|/H$n{Z`m| Ama/`m
g`w$ Cm| go bm^me Am{X Ho$ $n | Am`
{d{dY Am`
Hw$b Am`
``
`` {H$`m J`m `mO
n[aMmbZ ``
Omam{e`m| na
{H$am`m, H$a Ama {~Obr
7,764
7,119
7,842
7,207
{dkmnZ Ama Mma
10,993
8,543
11,094
8,716
~H$ H$s gn{m na y`mg
28,542
22,787
29,108
23,390
15
15
233
290
emIm boIm n[ajH$m| g{hV boIm n[ajH$m| H$s $sg

Ama ``
5,154
5,310
5,249
5,433
{d{Y ^ma
2,825
2,550
3,118
2,786
S>mH$ ``, Vma, Q>o{b$moZ Am{X
8,414
7,487
8,824
7,970
aV Ama aI-aImd
6,295
6,295
6,447
6,437
~rm
35,943
31,697
32,825
31,817
A`
144,498
125,544
150,080
129,780
(5,040)
7,255
(5,040)
7,255
522,743
397,035
523,164
397,426
mZH$ AmpV`m| Ho$ {bE mdYmZ
40,860
42,267
40,922
42,342
A` (Am` H$a N>moS>H$a)
10,709
41,230
10,728
41,248
4,586,755
3,865,689
4,611,120
3,887,705
wU Ama boIZ gmJr
{ZXoeH$m| Ho$ $sg, ^mo Ama ``
mdYmZ Ama AmH$pH$VmE
{Zdoem| na y`mg hoVw mdYmZ

AZOH$ AmpV`m| Ho$ {bE mdYmZ
Hw$b `` VWm mdYmZ
42
/ BANK OF INDIA
Abridged Profit & Loss Account of Bank of India for the year ended March 31, 2015
Amt in ` Lakhs
Consolidated
Standalone
Current Year
Previous Year
Current Year
Previous Year
31/3/2015
31/3/2014
31/3/2015
31/3/2014
INCOME
Interest Earned
On advances/bills
3,167,816
2,711,928
3,187,818
2,729,833
On investments
939,991
840,496
942,375
842,441
On balances with RBI and inter bank funds
214,325
200,337
217,434
201,911
20,859
38,249
20,860
38,334
161,002
142,609
162,137
143,781
93,094
79,563
93,481
79,713
68,642
71,117
69,423
72,021
4,722
4,590
4,722
4,488
95,810
131,305
98,043
131,892
4,766,261
4,220,194
4,796,295
4,244,419
2,892,141
2,377,492
2,904,988
2,386,351
On RBI/Inter bank borrowings
161,407
183,751
161,941
183,910
Others
155,076
146,714
155,076
146,716
Payment & provision for employees
498,582
399,115
503,130
403,659
Rent taxes & lighting
59,835
53,485
61,390
54,973
Printing & stationery
7,764
7,119
7,842
7,207
Advertisement & publicity
10,993
8,543
11,094
8,716
Depreciation on Bank's property
28,542
22,787
29,108
23,390
15
15
233
290
Others
Other Income
Commission, exchange & Brokerage

Net profit on sale of investments
Net profit on sale of land building & other assets
Net profit on Exchange transactions
Income by way of dividends etc. from subsidiaries/
companies and/or JVs abroad/in India
Miscellaneous Income
TOTAL INCOME
EXPENDITURE
Interest Expended
Operating expenses
On Deposits
Director's fees, allowances & expenses

Auditors fees, expenses incl. branch auditors
5,154
5,310
5,249
5,433
Law charges
2,825
2,550
3,118
2,786
Postage, Telegrams, Telephones, etc.
8,414
7,487
8,824
7,970
Repairs & Maintenance
6,295
6,295
6,447
6,437
35,943
31,697
32,825
31,817
144,498
125,544
150,080
129,780
Provision for Depreciation on investments
(5,040)
7,255
(5,040)
7,255
Provision towards non performing assets
522,743
397,035
523,164
397,426
40,860
42,267
40,922
42,342
Insurance
Others
Provisions &
Contigencies
Provision towards standard assets

Others (excluding income taxes)
TOTAL EXPENSES AND PROVISIONS
43
10,709
41,230
10,728
41,248
4,586,755
3,865,689
4,611,120
3,887,705
/ BANK OF INDIA
31 mM, 2015 H$mo gmV df Ho$ {bE ~H$ Am$ B{S>`m H$m g{j bm^ Ed hm{Z ImVm
am{e ` bmIm| |
Q>S> AbmoZ
go{H$V
Mmby df
{dJV df
Mmby df
{dJV df
31/03/2015
31/03/2014
31/03/2015
31/03/2014
179,506
354,505
185,175
356,713
Mmby H$a
7,077
(2,771)
8,945
(828)
AmW{JV H$a
1,536
84,349
1,397
84,276
170,892
272,927
174,833
273,265
gh`moJr H$n{Z`m| | AmXZr / (hm{Z)

H$m {hgm
26,647
25,548
Ang`H$ {hV KQ>mE OmZo go nyd df

hoVw go{H$V {Zdb bm^/ hm{Z
170,892
272,927
201,480
298,813
189
135
170,892
272,927
201,290
298,678
170,892
272,927
201,290
298,678
gm{d{YH$ Ama{jV {Z{Y | AVaU
43,000
70,000
43,000
70,000
A` Ama{jV {Z{Y`m| | AVaU
87,920
165,374
118,319
191,125
gaH$ma H$mo AVaU/Vm{dV bm^me
39,972
37,553
39,972
37,553
(0)
(0)
H$a nyd bm^ / hm{Z
H$a nmV bm^/hm{Z
KQ>mE- Ang`H$ {hV

df Ho$ {bE gyh H$m go{H$V {Zdb
bm^/hm{Z
AmJo bm`m J`m bm^ / hm{Z
Hw$b
{d{Z`moOZ
VwbZ n | AmJo bo Om`m J`m eof am{e

lrVr dr. Ama. Aà
{~. nr. em
Ama.nr. amR>o
Ama. E. eH$a ZmamUZ
AZV Cnmm
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
w {dmr A{YH$mar
Mrs. V.R. Iyer
B.P. Sharma
Chairperson and
Managing Director
Executive Director
A`j Ed ~Y {ZXoeH$
R. P. Marathe
Executive Director
{ZXoeH$JU
Executive Director
DIRECTORS


ogg BgmH$ ES> gwaoe
ogg S>r. qgh ES> H$.
M/s. Isaac & Suresh

(E$AmaEZ 001150Eg) (FRN 001150S)
Ho$ {dO` mohZ d{b`VZ K. Vijaya Mohan Valiathan

^mJrXma Partner
E. H$. 028648 M. No. 028648
(E$AmaEZ 000593EZ) (FRN 000593N)
^mJrXma Partner
E. H$. 084225 M. No. 084225
Anant Upadhyay

S>r h[ae D Harish

(E$AmaEZ 107122S>`y) (FRN 107122W)
M/s. D. Singh & Co.

(E$AmaEZ 001351EZ) (FRN 001351N)

^mJrXma Partner
E. H$. 044577 M. No. 044577
ogg Jmoda bm ES> ohVm M/s. Grover, Lalla & Mehta
(E$AmaEZ 002830EZ) (FRN 002830N)
^mJrXma Partner
E. H$. 081784 M. No. 081784

^mJrXma Partner
E. H$.098641 M. No. 098641
ogg ~r amZ ES Egmo{eEQg M/s. B. Rattan & Associates
(E$AmaEZ 011798EZ) (FRN 011798N)
^mJrXma Partner
E. H$. 095399 M. No. 095399
{XZmH$ : 28 B, 2015 / Date : 28th May, 2015
44
/ BANK OF INDIA
Abridged Profit & Loss Account of Bank of India for the year ended March 31, 2015
Amt in ` Lakhs
Consolidated
Standalone
Current Year
Previous Year
Current Year
Previous Year
31/3/2015
31/3/2014
31/3/2015
31/3/2014
Profit/Loss before Tax
179,506
354,505
185,175
356,713
Current Tax
7,077
(2,771)
8,945
(828)
Deferred Tax
1,536
84,349
1,397
84,276
170,892
272,927
174,833
273,265
Share of Earning/(Loss)
in associates
26,647
25,548
Consolidated Net Profit/

loss for the year before
deducting minority
Interest
170,892
272,927
201,480
298,813
Less - Minority Interest
189
135
Consolidated Net
Profit/Loss for the year
attributable to Group
170,892
272,927
201,290
298,678
170,892
272,927
201,290
298,678
Transfer to statutory reserves
43,000
70,000
43,000
70,000
Transfer to other reserves
87,920
165,374
118,319
191,125
Transfer to Government/proposed dividends
39,972
37,553
39,972
37,553
(0)
(0)
Profit / Loss after Tax
Profit / Loss brought

forward
Total
Appropriations
Balance carried forward to Balance Sheet
lrVr dr. Ama. Aà
{~. nr. em
Ama.nr. amR>o
Ama. E. eH$a ZmamUZ
AZV Cnmm
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
w {dmr A{YH$mar
Mrs. V.R. Iyer
B.P. Sharma
Chairperson and
Managing Director
Executive Director
A`j Ed ~Y {ZXoeH$
R. P. Marathe
Executive Director
{ZXoeH$JU
Executive Director
DIRECTORS


ogg BgmH$ ES> gwaoe
M/s. Isaac & Suresh

(E$AmaEZ 001150Eg) (FRN 001150S)

^mJrXma Partner
E. H$. 028648 M. No. 028648
(E$AmaEZ 000593EZ) (FRN 000593N)
^mJrXma Partner
E. H$. 084225 M. No. 084225
Anant Upadhyay

S>r h[ae D Harish

(E$AmaEZ 107122S>`y) (FRN 107122W)
M/s. D. Singh & Co.

(E$AmaEZ 001351EZ) (FRN 001351N)

^mJrXma Partner
E. H$. 044577 M. No. 044577
(E$AmaEZ 002830EZ) (FRN 002830N)
^mJrXma Partner
E. H$. 081784 M. No. 081784

^mJrXma Partner
E. H$.098641 M. No. 098641
(E$AmaEZ 011798EZ) (FRN 011798N)
^mJrXma Partner
E. H$. 095399 M. No. 095399
{XZmH$ : 28 B, 2015 / Date : 28th May, 2015
45
/ BANK OF INDIA
~H$ Am$ B{S>m H$m g{jV ZH$X dmh {ddaU / Abridged Cash Flow Statement of Bank of India
` bmI | / ` in Lakhs
Q>S>-AbmoZ / Standalone
dfmV /
dfmV /
` bmI | /` in Lakhs
go{H$V / Consolidated
dfmV /
dfmV /
{ddaU
Particulars
H$. n[aMmbZ J{V{d{Ym| go ZH$X dmh
A. Cash Flow from operating Activities
1,453,321
642,450
1,463,820
645,162
I. {Zdoe J{V{d{Ym| go ZH$X dmh
B. Cash Flow from Investing Activities
(80,687)
(62,351)
(75,466)
(81,388)
J. {dm J{V{d{Ym| go ZH$X dmh
C. Cash Flow from Financing Activities
129,507
74,544
129,507
74,544
ZH$X Ed ZH$X gym| | {Zdb d{

(H$)+(I)+(J)
Net Increase in Cash & Cash

Equivalents (A+B+C)
1,502,141
654,643
1,517,861
638,318
ma{^H$ ZH$X Ed ZH$X gy Wm

1 Ab
Cash & Cash equivalents as at

April 1
6,138,229
5,483,586
6,176,031
5,537,713
ZH$X Ed ZH$X gy Wm 31 mM
Cash & Cash equivalents as at

March 31
7,640,370
6,138,229
7,693,892
6,176,031
lrVr dr. Ama. Aà
Year ended
31.03.2015
Year ended
31.03.2015
Year ended
31.03.2014
{~. nr. em
Ama.nr. amR>o
Ama. E. eH$a ZmamUZ
AZV Cnmm
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
w {dmr A{YH$mar
Mrs. V.R. Iyer
B.P. Sharma
Chairperson and
Managing Director
Executive Director
A`j Ed ~Y {ZXoeH$
Year ended
31.03.2014
R. P. Marathe
Executive Director
{ZXoeH$JU
Executive Director
DIRECTORS


ogg BgmH$ ES> gwaoe
M/s. Isaac & Suresh

(E$AmaEZ 001150Eg) (FRN 001150S)

^mJrXma Partner
E. H$. 028648 M. No. 028648
(E$AmaEZ 000593EZ) (FRN 000593N)
^mJrXma Partner
E. H$. 084225 M. No. 084225
Anant Upadhyay

S>r h[ae D Harish

(E$AmaEZ 107122S>`y) (FRN 107122W)
M/s. D. Singh & Co.

(E$AmaEZ 001351EZ) (FRN 001351N)

^mJrXma Partner
E. H$. 044577 M. No. 044577
(E$AmaEZ 002830EZ) (FRN 002830N)
^mJrXma Partner
E. H$. 081784 M. No. 081784

^mJrXma Partner
E. H$.098641 M. No. 098641
(E$AmaEZ 011798EZ) (FRN 011798N)
^mJrXma Partner
E. H$. 095399 M. No. 095399
{XZmH$ : 28 B, 2015 / Date : 28th May, 2015
46
/ BANK OF INDIA

SIGNIFICANT ACCOUNTING POLICIES FORMING
PART OF ABRIDGED FINANCIAL STATEMENTS:
g{j {dmr` {dda{U`m| Ho$ ^mJ dn hdnyU boIm Zr{V`m

1. V`ma H$aZo H$m AmYma :
g{j Q>S >AbmoZ VWm go{H$V {dmr` {ddaU 31 mM 2015 H$mo gm
df Ho$ {bE ~H$ Am$ B{S>`m (~H$) Ho$ boImnar{jV Q>S> AbmoZ VWm
go{H$V {dmr` {ddaU go V`ma {H$E JE h Omo BgHo$ ~mX {XE JE boImH$Z
n{V`m| Ho$ AmYma na V`ma {H$E JE h&
{dmr` {ddaU M{bV {dMma Ymam H$m nmbZ H$aVo hE, nanamJV bmJV
AmYma na ^maV | gmm`V: AnZmE OmZo dmbo boIm {gmVm| (OrEEnr)
na V`ma {H$E JE h, {Og| bmJy gm{d{YH$ Cn~Y, ^maVr` [aOd ~H$ mam
{ZYm[aV {d{Z`mH$ eV} ^maVr` gZXr boImH$ma gWmE (AmBgrEAmB) mam
Omar boImH$Z mZH$ (EEg) Ama ^maV Ho$ ~qH$J CmoJ | {dmZ boImH$Z
n{V em{b h& {dXoer emImAm|/H$m`mb`m| Ho$ g~Y | g~{YV {dXoem| |
M{bV gm{d{YH$ Cn~Ym| VWm boImH$Z n{V`m| H$m AZwnmbZ {H$`m h,
{gdm` CZHo$ {Oh| A` {d{Z{X>V {H$`m J`m h&
Cn`w$ Ho$ A{V[a$ go{H$V {dmr` {ddaU H$s V`mar Ho$ {bE ~rm {d{Z`mH$
Ama {dH$mg m{YH$aU (AmBAmaS>rE) VWm H$nZr A{Y{Z` 1956 | {Z{X>
bmJy g{d{YH$ mdYmZ VWm {d{Z`mH$ eVm] H$m Cg hX VH$ AZwnmbZ {H$`m
J`m h Ohm VH$ `h g`w$ C / AZwf{J`m|/ ghm`H$ H$n{Z`m| H$mo go{H$V
H$aZo Ho$ {bE bmJy h&
2. m$bZ H$m `moJ :
{dmrH$ {ddaU H$mo V`ma H$aZo Ho$ {bE `h AmdH$ h {H$ {dmr` {ddaU H$s
{V{W H$mo [anmoQ> {H$E Jò AmpV VWm Xo`VmAm| (AmH$pH$ Xo`VmAm| g{hV)
H$s am{e Ama [anmo{Q>J Ad{Y Ho$ {bE [anmoQ> {H$E Jò Am` Ama ``m| Ho$
gw{dMm[aV AZwmZm| VWm YmaUm| H$mo ~YZ nyam H$ao& ~YZ `h {ddmg H$aVm
h {H$ {dmr` {dda{U`m| H$mo V`ma H$aZo | Cn`moJ {H$E Jò AZwmZ `Wmo{MV
VWm R>rH$ h& VWm{n m$bZ go Agb n[aUm | AVa hmo gH$Vm h& boIm
m$bZ | {H$gr gemoYZ H$mo Mmby Ama ^{d` Ad{Y H$mo `mZ | aIH$a
m`Vm Xr OmVr h&
3 . amOd {ZYmaU
3.1 ~qH$J H$n{Z`m
(H$) gmm`V: Am`/`` H$m boImH$Z CnM` AmYma na {H$`m OmVm
h O~ VH$ {H$ A`Wm CoI Z {H$`m J`m hmo& {dXoer H$m`mb`m|
Ho$ g~Y | Cg g~{YV Xoe Ho$ WmZr` H$mZyZ Ho$ AZwgma Am`
{ZYm[aV H$s OmEJr&
(I) ^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$ AZwgma {gdm` AZwnmXH$
AmpV`m| na `mO Ho$ {OgH$m {ZYmaU dgybr hmoZo na {H$`m OmVm
h, g` AZwnmV Ho$ AmYma na `mO Am` H$m {ZYmaU {H$`m OmVm
h&
(J) ~H$ JmaQ>r Ama gmI n Omar H$aZo na H$reZ H$m CnM` ~rOr/
Ebgr Ho$ H$m`H$mb na hmoVm h&
(K) A` g^r H$reZ Ama {d{Z`, ~moH$aoO, ewH$ VWm A` ^mam|
Ho$ dgybr na Am` Ho$ $n | {ZYmaU {H$`m OmVm h&
(L) n[andVm VH$ Ym[aV loUr | {Zdoe na Am` (`mO Ho$ Abmdm)
CgHo$ A{H$V y` na m Ny>Q> na {ZZmZwgma {ZYm[aV H$s
OmVr h :
1. `mO XoZo dmbr {V^y{V`m| na Ho$db {~H$s/arS>oneZ Ho$ g`
hr BgH$m {ZYmaU {H$`m OmVm h&
2. Oramo-Hy$nZ {V^y{V`m| na {ZaVa {V$b Ho$ AmYma na
{V^y{V Ho$ eof n[andVm H$mb na BgH$m boImH$Z {H$`m
OmVm h&
(M) {Zdoem| H$s {~H$s go hE bm^ AWdm hm{Z H$mo bm^ VWm hm{Z ImVo
| mòVm Xr OmVr h& VWm{n "n[andVm VH$ Ym[aV' loUr Ho$ VhV
{Zdoem| H$s {~H$s | bm^ H$s pW{V | H$am| Ho$ {Zdb Ama gm{d{YH$
1) BASIS OF PREPARATION:

The abridged Standalone and Consolidated Financial Statements

have been prepared from the audited Standalone and Consolidated
financial statements of the Bank of India (the Bank) for the year
ended 31st March,2015, which are prepared based on the accounting
policies hereinafter appearing.
The financial statements are prepared following the going

concern concept, on historical cost basis unless otherwise stated
and conform, in all material aspects, to the Generally Accepted
Accounting Principles (GAAP) in India, which encompasses
applicable statutory provisions, regulatory norms prescribed by
the Reserve Bank of India (RBI), Accounting Standards (AS) and
pronouncements issued by The Institute of Chartered Accountants
of India (ICAI) and accounting practices prevalent in the banking
industry in India. In respect of foreign offices/branches, statutory
provisions and accounting practices prevailing in the respective
foreign countries are complied with, except as specified elsewhere
In addition to above, for preparation of the consolidated financial

statements applicable statutory provisions and regulatory norms
prescribed by the Insurance Regulatory and Development Authority
of India (IRDA and Companies Act 1956 have been followed to
the extent these are applicable to the Joint ventures/subsidiaries/
associates being consolidated.
2) USE OF ESTIMATES:

The preparation of financial statements requires the management to

make estimates and assumptions considered in the reported amount
of assets and liabilities (including contingent liabilities) as of date
of the financial statements and the reported income and expenses
for the reporting period. Management believes that the estimates
used in the preparation of the financial statements are prudent and
reasonable. However actual results can differ from estimates. Any
revision to accounting estimates is recognized prospectively in
current and future periods.
3) REVENUE RECOGNITION:
3.1 Banking entities
(a) Income/Expenditure is recognised on accrual basis, unless
otherwise stated. In respect of foreign offices, income is
recognised as per local laws of host country.
(b) Interest income is recognised on time proportion basis except
(i) interest on Non-performing Assets, which is recognised on
realisation, in terms of the RBI guidelines.
(c) Commission on issue of Bank Guarantee and Letter of Credit is
accrued over the tenure of BG/LC.
(d) All other Commission and Exchange, Brokerage, Fees and
other charges are recognised as income on realisation.
(e) Income (other than interest) on investments in Held to Maturity
category acquired at a discount to the face value, is recognised
as follows:
1.
On Interest bearing securities, it is recognised only at the

time of sale/ redemption.
2.
On zero-coupon securities, it is accounted for over the

balance tenor of the security on a constant yield basis.
(f) Profit or loss on sale of investments is recognised in the

Profit and Loss account. However, in case of profit on sale of
investments under Held to Maturity category, an equivalent
amount, net of taxes and amount required to be transferred
47
/ BANK OF INDIA

to Statutory Reserves, is appropriated to Capital Reserve
Account.
amOd | AVaU Ho$ {bE AmdH$ am{e Ho$ gmZ am{e H$mo "nyOr
amOd ImVo' | {d{Z`mo{OV {H$`m OmVm h&
(N>) bm^me m H$aZo H$m A{YH$ma Wm{nV hmoZo na bm^me H$m {ZYmaU
{H$`m OmVm h&
(O) y`mH$Z AmXoe nmg H$aZo Ho$ df | Am`H$a- [a$S> na `mO H$m
{ZYmaU {H$`m OmVm h&
(P) EZnrE ImVm| go H$s JB dgybr H$m {d{Z`moOZ nhbo CYmaH$Vm Ho$
ImVo | S>o{~Q> {H$E JE Am) `mO/Am`, {H$E JE ``/AmCQ>
Am$ nmHo$Q> `` CgHo$ ~mX ~H$m`m ybYZ Ama AV | A^m[aV
`mO | {d{Z`mo{OV H$s OmVr h&
3.2 Ja-~qH$J H$nZr :
~rm :
H$) r{` Am` :
r{` (godm H$a H$m {Zdb) O~ Xo` hmo V~ Am` Ho$ $n |
nhMmZr OmVr h& g~ H$mamo~ma Ho$ {bE ghm`H$ BH$mB`m {Z{V
H$s OmVr h V~ r{` H$s nhMmZ H$s OmVr h& Q>mn-An r{`m|
H$mo EH$b r{` Ho$ $n | OmZm OmVm h&
`nJV nm{b{g`m| H$mo r{` Am` Ho$ $n | nhMmZm OmVm h,
O~ Bg H$ma H$s nm{b{g`m nwZ: ma^ hmo OmVr h&
I) g~ {Z{Y`m| go Am` :
g~ {Z{Y`m| go Am` dh h {Og| nm{bgr emg{ZH$ ^ma,
Zr{V emgH$s` ^ma, `w Xa ^ma, {Z{Y ~YZ ^ma Am{X
gp{bV hm| {Ogo Omar Zr{V`m| Ho$ {Z~YZm| VWm eVm] Ho$ AZwgma
dgyb {H$`m OmVm h Ama dgybr hmoZo na CZH$s nhMmZ H$s OmVr h&
J) nwZ~um r{` :
nwZ: ~rmH$Vm Ho$ gmW gJV g{Ynm| Ho$ {Z~YZ Ed eVm] Ho$ AZwgma
r{` Am` H$s nhMmZ Ho$ g` gmmV[aV nwZ~um r{` H$m
boImH$aU hmoVm h&
K) Xm bm^ (Xmdm| g{hV) :
Xm bm^ | nm{bgr bm^ VWm Xmdm gPmVm bmJV, `{X H$moB hmo,
OwS>m h&
nm{bgrYmaH$ go gyMZm H$s m{ na `w, gemoYZ VWm A`nU
Xmdo boImH$V {H$E OmVo h& O~ gh`moJr BH$mB`m {ZaV hmo OmVr
h V~ g~{YV `moOZmAm| | nm{bgr g~ AmhaU VWm gwnwXJr H$m
boImH$aU {H$`m OmVm h&
Xo` hmoZo na CmaOr{dVm bm^ Xmdo VWm n[andVm Xmdo boImH$V
{H$E OmVo h&
{Og Ad{Y | Xmdm| H$m {ZnQ>mZ {H$`m OmVm h, Cgr | Xmdm| na
nwZ~um dgy{b`m| H$m boImH$Z {H$`m OmVm h&
L>) A{YJhU bmJV :
A{YJhU bmJV dh bmJV h Omo w` $n go ~rm H$ama Ho$
A{YJhU go g~{YV hmoVr h Ama CZHo$ AZwn AbJ-AbJ hmoVr
h VWm {Og Ad{Y | Cn{MV hmoVr h IM H$s OmVr h&
W df Xm H$reZ hoVw ^{d`V | `{X H$moB H$a bJmH$a dgybr
hmoVr h, Vmo {Og df | dh dgyb {H$`m OmVm h Cgr df | CgH$m
boImH$Z {H$`m OmVm h&
M) OrdZ ~rm hoVw Xo`VmE :
^mdr OrdZ ~rm nm{b{g`m| VWm dh nm{bgr {OZH$m r{` ~X
hmo MwH$m h qH$Vw Xo`VmE h, hoVw ~rm{H$H$ Xo`VmAm| H$m {ZYmaU,
^maVr` gZXr ~rm{H$H$s gWm Ho$ {Z`m| VWm AmBAmaS>rE {d{Z`
~rm A{Y{Z`, 1938 H$s AmdH$VmAm|, drH$V ~rm{H$H$s
`dhm` Ho$ AZwgaU | Am ~rm Ama{jV Umbr gyh H$mamo~ma
(g) Dividend is recognised when the right to receive the dividend is

established.
(h) Interest on Income-tax refund is recognised in the year of
passing of assessment order.
(i) The recoveries made from NPA accounts are appropriated
first towards unrealised interest/income debited to borrowers
accounts, expenditure/out of pocket expenses incurred, then
principal dues and lastly towards uncharged interest.
3.2 Non Banking entities:
Insurance:

a) Premium Income:

Premium (net of service tax) is recognised as

income when due. For linked business, premium is
recognised when the associated units are created.
Top up premiums are considered as single premium.
Premium on lapsed policies is recognised as income

when such policies are reinstated.
b) Income from linked funds:

c) Reinsurance Premium:

48
Income from linked funds which includes policy

administrative charges, mortality charges, fund
management charges etc. are recovered from the
linked funds in accordance with the terms and
conditions of policy and recognised when recovered.
Reinsurance Premium ceded is accounted for at the
time of recognition of premium income in accordance
with the terms and conditions of the relevant treaties
with the reinsurers.
d) Benefits paid (including claims):

Benefits paid comprise of policy benefits & claim

settlement costs, if any.
Death, rider & surrender claims are accounted

for on receipt of intimation from the policy holder.
Withdrawals & surrenders under linked policies are
accounted for in the respective schemes when the
associated units are cancelled.
Survival benefit claims and maturity claims are

accounted for when due.
Reinsurance recoveries on claims are accounted for

in the period in which claims are settled.
e) Acquisition Costs

Acquisition costs are costs that vary with and are

primarily related to acquisition of insurance contracts
and are expensed in the period in which they are
incurred.
Claw back in future, if any, for the first year

commission paid, is accounted for in the year in
which it is recovered.
f)
Liability for life policies:
Actuarial liability for life policies in force and for policies

in respect of which premium has been discontinued
but a liability exists, is determined by the Appointed
Actuary using the gross premium method and in
case of group business unearned premium reserve
method, in accordance with accepted actuarial
practice, requirements of Insurance Act, 1938,
IRDA regulations and the stipulations of Institute of
Actuaries of India.
/ BANK OF INDIA
4. A{J
(H$) bmJy {d{Z`mH$ {Xem{ZX}em| Ho$ AZwgaU | A{J H$mo CnmmXH$ Ama
AZwnm{XH$ A{Jm| (EZnrE) Ho$ $n | dJuH$V {H$`m OmVm h&
(I) bmJy {d{Z`mH$ {Xem{ZX}em| Ho$ AZwgma AZOH$ AmpV`m| (EZnrE) H$mo
AmJo AdmZH$, g{XYr VWm hm{Z AmpV`m| Ho$ $n | dJuH$V {H$`m
J`m h&
(J) Kaoby emImAm| Ho$ g~Y | EZnrE go g~{YV mdYmZ ~H$ H$s Zr{V Ho$
AZwgma {deofH$a EZnrE H$m d[aV mdYmZrH$aU Ho$ AZwgma {H$`m J`m
h {OgH$m Xa {ZZmZwgma h&
EZnrE dJ
Ho$ mbo | gH$b r{` Umbr H$m Cn`moJ H$aVo hE {Z`w$

~rm{H$H$s mam, {H$`m OmVm h&
g~ Xo`VmAm| | nm{bgr Ho$ {Z{Y y` XemVo hE BH$mB Xo`Vm Ama
~rm Xmdm B`mr{X Ho$ {bE Ja BH$mB Xo`Vm em{b h& `h {Z`w$
~rm{H$H$s mam {H$E JE ~rm{H$H$ y`mmH$Z na AmYm[aV h&
Ja-~qH$J J{V{d{Y`m - `yMwAb $S>
n[aMmbZm| go amOd `yMwAb $S `moOZm go ~YZ ewH$ H$m
boImH$Z {Zdoe ~YZ H$ama Ho$ AZw$n CnM` AmYma na {H$`m
OmVm h Ama do ~rAmoAmB Egmb `yMwAb $S> H$s `moOZmAm|
mam [aH$mS> {H$E AZwgma {Zdb AmpV y` na AmYm[aV hmoVo h&
A` Am` : CnM` AmYma na `mbO Am` A{H$V H$s OmVr h&
{Zdoe H$s {~H$s na bm^ `m hm{Z H$mo, `mnma H$s VmarI na bm^/
hm{Z ImVo | A{H$V {H$`m OmVm h Ama EH$b {V^y{V hoVw ^m[aV
AmgV AmYma na CgH$m n[aH$bZ {H$`m OmVm h&
Linked liabilities comprise unit liability representing

the fund value of policies and non-unit liability for
meeting insurance claims etc. This is based on an
actuarial valuation carried out by the Appointed
Actuary.
Non-Banking Activities Mutual Fund
Revenue from Operations Management fees

from the scheme of mutual fund are accounted on
an accrual basis in accordance with the investment
management agreement and are dependent on the
net asset value as recorded by the schemes of BOI
AXA Mutual fund.
Other Income: Interest income is recorded on

accrual basis. Profit or loss on sale of investment is
recognised in the P & L Account on the trade date and
determined on weighted average basis for individual
security.
4) ADVANCES:
(a) Advances are classified into Performing and Non-Performing
Advances (NPAs) in accordance with the applicable regulatory
guidelines.
(b) NPAs are further classified into Sub-Standard, Doubtful and
Loss Assets in terms of applicable regulatory guidelines.
(c) In respect of domestic branches, Provisions in respect of NPAs
is made as per policy of the bank particularly in accelerated
provisioning for NPAs which is at the rate given as under:
Category of NPAs
{Zdb ~H$m`m A{J H$m %
% of net outstanding advance
Sub Standard:*
AdmZH$ *
a) Exposures, which are unsecured ab initio
25%
H$) EgnmoOa, Omo Ama^ go Ja OmZVr h
b) Others
15%
I) A`
Doubtful:
g{XY :
H$) OmZVr {hgm (Cg Ad{Y Ho$ {bE {OgHo$ XmamZ A{J a) Secured portion (Period for which advance has
remained in doubtful category)
g{XY loUr | hr ahm)
- Up to one year
25%
- EH$ df VH$
One
year
to
three
years
60%
- EH$ df go VrZ df VH$
- More than three years
100%
- VrZ df go A{YH$
b)
Unsecured
portion
100%
I) Ja OmZVr {hgm
Loss
100%
hm{Z
*
~H$m`m A{J na
* on the outstanding advance
(K) {dXoer emImAm| Ho$ g~Y |, A{Jm| H$m EZnrE Ho$ $n | dJuH$aU
(d) In respect of foreign branches, classification of advances as
NPAs and provision in respect of NPAs is made as per the
Ama EZnrE Ho$ g~Y | mdYmZ g~{YV {dXoer Xoe | bmJy {d{Z`mH$
regulatory requirements prevailing at the respective foreign
AmdH$VmAm| AWdm Kaoby emImAm| Ho$ {bE bmJy {Xem{ZX}em| Ho$
countries or as per guidelines applicable to domestic branches,
AZwgma hmoJr Omo ^r H$S>o hm|&
whichever is stringent.
(L) ^maVr` [aOd ~H$ Ho$ mZH$m| Ho$ AZwgma {Zdb A{J Ho$ n[aH$bZ hoVw
(e) Provisions in respect of NPAs, unrealised interest, ECGC
Hw$b A{Jm| | go AZwnmXH$ AmpV`m, AdgybrH$V `mO, BgrOrgr
claims settled, etc., are deducted from total advances to arrive
Xmdm {ZnQ>mZ B`m{X Ho$ g~Y | mdYmZ KQ>mE OmVo h&
at net advances as per RBI norms.
(f)
In respect of Rescheduled/Restructured advances, provision is
(M) nwZ{ZYm[aV/nwZ:ga{MV ImVm| Ho$ g~Y | {dmZ y` pW{V |
made for the diminution in the fair value of restructured advances
AmH${bV `moO nwZga{MV A{J Ho$ yà | mg Ho$ n[a`mJ Ho$ {bE
measured in present value terms as per RBI guidelines. The
^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$ AZwgma mdYmZ {H$`m OmVm h&
said provision is reduced to arrive at Net advances.
{Zdb A{J Ho$ n[aH$bZ hoVw Bg mdYmZ H$mo KQ>m`m OmVm h&
(g) In case of financial assets sold to Asset Reconstruction
(N>) AmpV nwZJR>Z H$nZr (EAmagr)/{V^y{VH$aU H$nZr (Eggr) H$mo
Company (ARC) / Securitisation Company (SC), if the sale
is at a price higher than the NBV, the surplus is retained and
{dmr` AmpV`m ~oM XoZo Ho$ mbo | `{X {~H$s H$m y` {Zdb ~hr
49
/ BANK OF INDIA
y` (EZ~rdr) go A{YH$ h Vmo A{V[a$ am{e H$mo aIm OmVm h Ama

Eggr/EAmagr H$mo A` {dmr` AmpV`m| H$s {~H$s | hmoZodmbr H$r/
hm{Z H$s ny{V hoVw Cn`moJ {H$`m OmVm h& `{X {~H$s {Zdb ~hr y`$
(EZ~rdr) go ZrMo h (AWmV aIo JE mdYmZ go H$ ~H$m`m) Vmo H$r
H$mo bm^ Ed hm{Z ImVo | Zmo {H$`m OmVm h& `{X A{V[a$ am{e CnbY
h Vmo Eogr H$r H$mo Cg| Inm`m OmEJm& 26.02.2014 H$mo AWdm CgHo$
~mX EZnrE H$s {~H$s go Cn {H$gr ^r H$r H$mo `{X A{V[a$ am{e |
Inm`m Zht OmVm h Vmo Cgo Xmo df H$s Ad{Y Ho$ {bE n[aemo{YV {H$`m
OmEJm&
EZnrE H$s {~H$s go m A{V[a$ mdYmZ H$mo V^r [adg {H$`m OmEJm
O~ AmpV H$m {Zdb ~hr y` mm ZH$Xr (Ho$db ma{^H$ {V$b
mam/AWdm EgAmaEg/nrQ>rgr H$m arS>onreZ) go A{YH$ hmoJm&
A{V[a$d mdYmZ H$m [adgb AmpV Ho$ EZ~rdr go A{YH$ mr ZH$Xr
Ho$ Cg hX VH$ gr{V hmoJr&
(O) ^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$ AZwgma mZH$ AmpV`m| Ho$ $n
| dJuH$V nwZ:ga{MV A{Jm| g{hV mZH$ AmpV`m| H$m mdYmZ {H$`m
OmVm h&
(P) ^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$ AZwgma {Zdb {Z{YH$ Xoe Ho$
EgonmoOa Ho$ {bE loUr~ Ho$b na mdYmZ {H$`m OmVm h&
5. AWm`r mdYmZ :
~H$ | AWm`r mdYmZ H$m gOZ H$aZo Ama CgH$m Cn`moJ H$aZo H$s Zr{V h&
òH$ {dmr` df Ho$ AV | g{OV H$s OmZo dmbr AWm`r mdYmZ H$s mm
H$m {ZYmaU {H$`m OmVm h& AWm`r mdYmZ H$m Cn`moJ Zr{V | {ZYm[aV
Ho$db AgmYmaU n[apW{V`m| Ho$ AVJV AmH$pH$VmAm| Ho$ {bE ^maVr`
[aOd ~H$ H$s nyd AZw{V go AWdm {H$gr {Z{X CoH$ Ho$ {bE ^maVr`
[aOd ~H$ mam Xr JB {deof AZw{V go hr {H$`m OmVm h&
6. S>o{~Q>/Ho${S>Q> H$mS> [admS> nmBQ> :
Ho${S>Q>/S>o{~Q> H$mS>m] na [admS> nmBQ> Ho$ {bE mdYmZ òH$ loUr | g{MV
~H$m`m nmBQ> Ho$ AmYma na {H$`m OmVm h&
7. {Zdoe :
{Zdoem| H$m dJuH$aU ^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$ AZwgma "n[andVm
VH$ Ym[aV', "H$mamo~ma Ho$ {bE Ym[aV'Ama "{~H$s hoVw Ym[aV' lo{U`m| | {H$`m
J`m h& ^maV | {H$E JE {Zdoem| Ho$ H$Q>Z Ho$ Co go Bh| Ama~rAmB
{Xem{ZX}em| Ho$ AZwgma N>: dJm] Ho$ VhV dJuH$V {H$`m OmVm h Ogo gaH$mar
{V^y{V`m, A` AZwmo{XV {V^y{V`m, eoà, {S>~|Ma Ama ~mS>, AZwf{J`m|
Ama ghm`H$ H$n{Z`m| Ama Ap` | {Zdoe& ^maV Ho$ ~mha {Zdoem| Ho$ {bE
Ama~rAmB Ho$ {Xem{ZX}em| Ho$ AZwgma Bh| Mma lo{U`m| | dJuH$V {H$`m OmVm
h Ogo gaH$mar {V^y{V`m (Wm{Zr` m{YH$m[a`m| g{hV), {dXoe | AZwf{J`m|/
g`w$ C Ama A` {Zdoe &
(H$) dJuH$aU H$m AmYma
{Zdoe H$m dJuH$aU CgHo$ AOZ Ho$ g` {H$`m OmVm h& gaH$mar
{V^y{V`m| | g`Zdhma H$m {ZYmaU gPmVo H$s VmarI na Ama A`
{Zdoem| H$m {ZYmaU H$mamo~ma H$s VmarI H$mo {H$`m OmVm h&
i. n[andVm na Ym[aV
Bg| Eogo {Zdoe h {Oh| ~H$ n[andVm VH$ aIZo H$m BamXm aIVm
h& AZwf{J`m|, g`w$ Cm| Ama ghm`H$ H$n{Z`m| | {H$E JE
{Zdoe H$mo ^r n[andVm VH$ Ym[aV Ho$ VhV dJuH$V {H$`m OmVm h&
ii. H$mamo~ma Ho$ {bE Ym[aV
Bg| Eogo {Zdoe h {Oho An r`mXr y`/`mO Xa Ho$ CVmaMT>md H$m bm^ boVo hE H$mamo~ma Ho$ BamXo go AOZ {H$`m OmVm h&
IarX H$s VmarI go 90 {XZm| Ho$ AXa BgH$m H$mamo~ma {H$`m OmVm
h&
iii. {~H$s Ho$ {bE CnbY
Eogo {Zdoe {OZH$m dJuH$aU n[andVm VH$ Ym[aV AWdm "H$mamo~ma
Ho$ {bE Ym[aV' $n | Zht {H$`m h, Ch| Bg erf | aIm J`m h&
utilised to meet the shortfall/loss on account of sale of other

financial assets to SC/ARC. If the sale is at a price below the
net book value (NBV), (i.e. outstanding less provision held)
the shortfall is to be debited to the Profit and Loss account.
However if surplus is available, such shortfall will be absorbed
in the surplus. Any such shortfall arising due to sale of NPA on
or after 26/02/2014 will be amortised over a period of two years
if not absorbed in the surplus.

Excess provision arising out of sale of NPAs are reversed only

when the cash received (by way of initial consideration only/
or redemption of SRS/PTC) is higher then the net book value
(NBV) of the asset. Reversal of excess provision will be limited
to the extent to which cash received exceeds the NBV of the
asset.
(h) Provision for Standard assets, including restructured advances

classified as standard, is made in accordance with RBI
guidelines.
(i) Provision for net funded country exposures is made on a
graded scale in accordance with the RBI guidelines.
5) FLOATING PROVISION:

The bank has a policy for creation and utilisation of floating provisions.
The quantum of floating provisions to be created is assessed at
the end of each financial year. The floating provisions are utilised
only for contingencies under extraordinary circumstances specified
in the policy with prior permission of Reserve Bank of India or on
being specifically permitted by Reserve Bank of India for specific
purposes.
6) Debit/Credit Card Reward Points:

Provision for Reward Points on Debit/Credit cards is made based on

the accumulated outstanding points in each category.
7) INVESTMENTS:

Investments are categorised under `Held to Maturity, Held for

Trading and Available for Sale categories as per RBI guidelines.
For the purpose of disclosure of investments in India, these are
classified, in accordance with RBI guidelines, under six classification
viz. Government Securities, Other Approved Securities, Shares,
Debentures and Bonds, Investment in Subsidiaries and Associates
and Others. In respect of investments outside India, these are
classified, in accordance with RBI guidelines, under four categories
viz. Government Securities (including local authorities), Subsidiaries/
Joint Ventures abroad and Other Investments.
(a) Basis of categorisation

Categorisation of an investment is done at the time of its

acquisition. Transactions in Government Securities are
recognised on Settlement Date and all other investments are
recognised on trade date.
i)
Held to Maturity
These comprise investments that the Bank intends to hold

till maturity. Investments in subsidiaries, joint ventures and
associates are also categorised under Held to Maturity.
ii) Held for Trading

This comprise investments acquired with the intention to

trade by taking advantage of short term price/interest rate
movements. These are intended to be traded within 90
days from the date of purchase.
iii) Available for Sale

50
This comprise investments which do not fall under in Held

to Maturity or Held for Trading classification.
/ BANK OF INDIA

(b) Acquisition Cost of Investment
I) {Zdoe H$m A{YJhU bmJV

i. B{dQ>r {Zdoe Ho$ AOZ Ho$ {bE ^wJVmZ {H$E JE ~moH$aoO, H$reZ,
{V^y{V`m| H$m gp`dhma H$a B`m{X bmJV | em{b h&
ii. ~moH$aoO, H$reZ, F$U {Zdoe na ^wJVmZ/mm {H$E JE I{S>V
Ad{Y Ho$ `mVO H$mo Am`/Ò` Ho$ $n | mZm J`m h Ama Bgo
bmJV/{~H$s na {dMma H$aVo g` em{b Zht {H$`m OmVm&
iii. {Zdoem| Ho$ A{^XmZ na m ~moH$aoO Ama H$reZ H$mo bm^ Ama
hm{Z ImVo | Om {H$`m OmVm h&
iv. {Zdoe H$s bmJV ^m[aV AmgV bmJV n{V mam {ZYm[aV H$s OmVr
h&
J) y`mH$Z H$m VarH$m
^maV | {Zdoem| H$m y`mH$Z ^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$
AZwgma {H$`m OmVm h Ama {dXoer emImAm| | Ym[aV {Zdoem| H$m g~{YV
{dXoer Xoe | bmJy gm{d{YH$ mdYmZm| Ho$ AZwgma y` Ho$ H$ na AWdm
g`-g` na ^maVr` [aOd ~H$ mam Omar {Xem{ZX}em| Ho$ AZwgma
y`m{H$V {H$`m OmVm h&
QoOar {~b Ama dm{Up`H$ H$mJOmVm| H$m aImd bmJV na y`m{H$V
{H$`m OmVm h&
i. n[andVm VH$ Ym[aV :
1. Bg loUr Ho$ VhV {Zdoem| H$mo CZHo$ AOZ bmJV, n[aemoYZ
Ho$ {Zdb, `{X H$moB hmo, na {b`m J`m h& A{H$V y` go
A{YH$ AOZ bmJV, `{X H$moB hmo, H$mo gVV AOZ Umbr
H$m Cn`moJ H$a n[and Vm H$s eof ~Mr Ad{Y | n[aemo{YV
{H$`m J`m h& r{` H$m Bg H$ma n[aemoYZ Am` | "{Zdoe
na `mO' erf Ho$ VhV gm`mo{OV H$s OmVr h&
2. AZwf{J`m|, g`w Cm| Ama ghm`H$ H$n{Z`m| (^maV Ama
{dXoe XmoZm| |) | {Zdoe H$mo nanamJV bmJV | y`m{H$V H$s
OmVr h {gdm` jor` JmrU ~H$m| | {Zdoe Ho$ {Oh| aImd
bmJV na (AWmV ~hr y`) na y`m{H$V {H$`m OmVm h&
AWm`r H$mo N>moS>H$a òdH$ {Zdoe Ho$ {bE AbJ AbJ
mg (diminutions) Ho$ {bE mdYmZ {H$`m OmVm h&
ii. H$mamo~ma Ho$ {bE Ym[aV/{~H$s Ho$ {bE CnbY
1. Bg loUr Ho$ VhV {Zdoem| H$m y`mH$Z {d{Z`mH$ {Xem{ZX}em| Ho$ AZwgma ~mOma y` AWdm C{MV y` na {ZYm[aV
{H$`m OmVm h Ama ò`H$ loUr | òH$ dJuH$aU | Ho$db
{Zdb y`mg bJm`m OmVm h Ama {Zdb y`d{ H$mo
`mZ | Zht {b`m OmVm h& y`mg Ho$ {bE mdYmZ na
m{H$J Qy> mH}$Q> Ho$ nMmV EH$b {V^y{V`m| H$m ~hr y`&
An[ad{VV ahVm h&
2. H$mamo~ma Ho$ {bE Ym[aV Ama {~H$s Ho$ {bE CnbY dJ
| H$moQ> {H$E JE {Zdoe Ho$ y`mH$Z hoVw ~mOma Xa/Q>mH$
EgM|O ^md/^maVr` mW{H$ `mnmar gK (nrS>rEAmB)/
{ZYm[aV Am` wm ~mOma Ama `wn (S>o[ado{Q>O) gK
(E$AmBEES>rE) mam Kmo{fV Xam| H$m Cn`moJ {H$`m OmVm
h& {OZ {Zdoe Ho$ {bE Eogo Xa/^md CnbY Zht h CZH$m
y`mH$Z ^maVr` [aOd ~H$ mam {ZYm[aV mZH$m| Ho$ AZwgma
{H$`m OmVm h Omo {ZZmZwgma h -
i)
Brokerage, commission, securities transaction tax etc.

paid on acquisition of equity investments are included in
cost.
ii)
Brokerage, commission, broken period interest paid/

received on debt investments is treated as income/
expense and is excluded from cost/sale consideration.
iii) Brokerage and Commission received on subscription of

investments is credited to Profit and Loss Account.
iv) Cost of investments is determined at weighted average
cost method.
(c) Method of valuation

Investments in India are valued in accordance with the RBI

guidelines and investments held at foreign branches are valued
at lower of the value as per the statutory provisions prevailing
at the respective foreign countries or as per RBI guidelines
issued from time to time.
Treasury Bills and Commercial Papers are valued at carrying

cost.
i)
Held to Maturity
1
Investments included in this category are carried at

their acquisition cost, net of amortisation, if any. The
excess of acquisition cost, if any, over the face value
is amortised over the remaining period to maturity
using constant yield method. Such amortisation of
premium is adjusted against income under the head
interest on investments.
Investments in subsidiaries, joint ventures and

associates (both in India and abroad) are valued at
historical cost except for investments in Regional
Rural Banks, which are valued at carrying cost (i.e.
book value). A provision is made for diminution, other
than temporary, for each investment individually.
ii) Held for Trading / Available for Sale
51
Investments under these categories are individually

valued at the market price or fair value determined
as per Regulatory guidelines and only the net
depreciation in each classification for each category
is provided for and net appreciation is ignored.
On provision for depreciation, the book value of
the individual securities remains unchanged after
marking to market.
For the purpose of valuation of quoted investments

in Held for Trading and Available for Sale
categories, the market rates / quotes on the Stock
Exchanges, the rates declared by Primary Dealers
Association of India (PDAI) / Fixed Income Money
Market and Derivatives Association (FIMMDA) are
used. Investments for which such rates/quotes are
not available are valued as per norms laid down by
RBI, which are as under:
/ BANK OF INDIA

Government Securities
gaH$mar/{V^y{V`m
n[andVm AmYma Ho$ {V$b na
A`$AZwmo{XV {V^y{V`m
B{dQ>r eo`g, nrEg`y Ama `mgr AVZ VwbZ n (18 hrZm| go A{YH$
eo`g
nwamZr Zht) Ho$ AZwgma {dco{fV y`
na, A`Wm {V H$nZr ` 1
A{Ym` eo`g
nrEg`y ~mSg
`yMwAb $S> Ho$ `y{ZQ>
AVZ nwZIarX y`/òH$ `moOZm Ho$
g~Y | Kmo{fV EZEdr na
C nyOr {Z{Y (drgrE$)
18 hrZm| go nwamZr Zht Eogo boImnar{jV
{dmro` {ddaU Ho$ AZwgma Kmo{fV EZEdr
AWdm ~oH$ An EZEdr& `{X EZEdr/
boIm nar{jV {dmr` {ddaU 18 hrZm|
go A{YH$ hoVw CnbY Zht h Vmo .1
{V drgrE$
{V^y{V agrX
{V^y{VH$aU H$n{Z`m| mam KmofUm Ho$
AZwgma EZEdr na
K) dJm] Ho$ ` {V^y{V`m| H$m AVaU
dJm] Ho$ ` {H$gr {V^y{V Ho$ AVaU H$m, AVaU {Xdg na
A{^JhU bmJV/~hr y`/~mOma y` BZ| go Omo ^r H$ h Ho$
$n |, boIm {Ho$`m OmVm h& Eogo AVaU na y`-mg, `{X h Vmo
nyU mdYmZ {H$`m J`m h&
L>) Ja - {ZnmXH$ {Zdoe (EZnrAmB) Ama CgH$m y`mmH$Z
1. {Zdoem| H$mo {ZnmXH$ Ama Ja-{ZnmXH$ | dJuH$V {H$`m OmVm
h Omo Kaoby H$m`mb`m| Ho$ mbo | Ama~rAmB Ama {dXoer
H$m`mb`m| Ho$ mbo | g~{YV {d{Z`mH$ mam Omar {Xem{ZX}
em| na AmYm[aV h&
2. Ja-{ZnmXH$ {Zdoe Ho$ g~Y | Am` m` Zht hmoVr h VWm
^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$ AZwgma Eogr {V^y{V`m|
Ho$ y` | y`-mg hoVw mdYmZ {H$`m OmVm h&
M) aonmo/[adg aonmo
aonmo/[adg aonmo Ho$ VhV ~oMr Ama IarXr JB {V^y{V`m| H$m boImH$Z
gnm{dH$ CYma Ama CYma boZo Ho$ g`dhma Ho$ $n | {H$`m
OmVm h& VWm{n gmm` grYr {~H$s/IarX g`dhma Ho$ mbo |
{V^y{V`m| H$m AVaU {H$`m OmVm h Ama Eogr {V^y{V`m aonmo/[adg
aonmo ImVm| Ama XwVa$m {d{>`m| Ho$ `moJ go [aboQ hmoVr h& Cn`w
{d{>`m| H$mo n[andVm na [adg {H$`m OmVm h& bmJV VWm amOdo
H$m boImH$Z Ogm ^r mbm hmo `mO ``/Am` Ho$ $n | {H$`m
OmVm h& aonmo ImVo | eof H$mo CYma Ho$ $n | dJuH$V {H$`m J`m
Ama [adg aonmo ImVo | eof H$mo ~H$ | eof, Zr EQ> H$mb Ama emQ>
Zmo{Q>g Ho$ $n | dJuH$V {H$`m OmVm h&
8) `wn (S>o[ado{Q>d)
dVmZ | ~H$ `mO Xa Ed H$a|gr `wn H$m H$m` XoIVm h& ~H$ mam {H$`m
OmZo dmbm `mO Xa `wn n`m `mO Xa dn, {dXoer wm `mO Xa dn,
AJUr Xa H$ama VWm `mO Xa `yMa h& ~H$ mam {H$`m Om ahm wm `wn
{dH$n, H$agr dn VWm H$agr `yMa h& ^maVr` [aOd ~H$ Ho$ {Xem{ZX}emZwgma, `wn H$mo {ZZmZwgma y`m{H$V {H$`m OmVm h:
H$) hO/ZmZ hO (mH}$Q> oqH$J) g`dhma AbJ go [aH$mS> {H$E OmVo h&
I) h{OJ `wn na Am`/`` CnM` AmYma na boIm{H$V hmoVr h&
J) QoqS>J `wn WmZm| H$mo ~mOma H$mo {MphV (EQ>rE) {H$`m OmVm h
Ama n[aUmV hm{Z, `{X H$moB hmo, H$mo bm^ Ed hm{Z | ~Vm`m OmVm h&
bm^, `{X H$moB hmo, na `mZ Zht {X`m OmVm h&
on Yield to Maturity basis
Other Approved Securities on Yield to Maturity basis

Equity Shares, PSU and At break up value as per the latest Balance
Trustee shares
Sheet (not more than 18 months old),
otherwise ` 1 per company.
Preference Shares
PSU Bonds
Units of Mutual Funds
at the latest repurchase price/NAV

declared by the Fund in respect of each
scheme
Venture
(VCF)
Capital
Funds Declared NAV or break up NAV as per

audited financials which are not more than
18 months old. If NAV/audited financials
are not available for more than 18 months
then at ` 1/- per VCF.
Security Receipts
At NAV as declared by Securitisation

Companies
(d) Transfer of Securities between Categories

The transfer of securities between categories are carried out at

the least of acquisition cost / book value /market value on the
date of transfer. The depreciation, if any, on such transfer is
fully provided for.
(e) Non performing Investments (NPIs) and valuation thereof

1
Investments are classified as performing and nonperforming, based on the guidelines issued by the RBI in
case of domestic offices and respective regulators in case
of foreign offices.
In respect of non performing investments, income is not

recognised and provision is made for depreciation in value
of such securities as per RBI guidelines.
(f) Repo / Reverse Repo

The securities sold and purchased under Repo/ Reverse

repo are accounted as Collateralised lending and borrowing
transactions. However, securities are transferred as in case
of normal outright sale/ purchase transactions and such
movement of securities is reflected using the Repo/ Reverse
Repo Accounts and Contra entries. The above entries are
reversed on the date of maturity. Costs and revenues are
accounted as interest expenditure/income, as the case may
be. Balance in Repo Account is classified as Borrowings and
balance in Reverse Repo account is classified as Balance with
Banks and Money at Call & Short Notice.
8) Derivative

The Bank presently deals in interest rate and currency derivatives.

The interest rate derivatives dealt with by the Bank are Rupee
Interest Rate Swaps, Foreign Currency Interest Rate Swaps,
Forward Rate Agreements and Interest Rate Futures. Currency
Derivatives dealt with by the Bank are Options, Currency Swaps and
Currency Futures. Based on RBI guidelines, Derivatives are valued
as under:
(a) The hedge/non hedge (market making) transactions are
recorded separately.
(b) Income/expenditure on hedging derivatives are accounted on
accrual basis
(c) Trading derivative positions are marked to market (MTM) and
the resulting losses, if any, are recognised in the Profit & Loss
Account. Profit, if any, is ignored.
52
/ BANK OF INDIA

(d) Gains/ losses on termination of the trading swaps are recorded
on the termination date as income/expenditure. Any gain/
loss on termination of swap is deferred and recognised over
the shorter of the remaining contractual life of the swap or the
remaining life of the designated assets/liabilities.
K) QoqS>J dn Ho$ {ZaVrH$aU go bm^/hm{Z`m| H$mo {ZaVrH$aU {V{W |

Am`/`` Ho$ n | [aH$mS> {H$`m OmVm h& dn Ho$ {ZaVrH$aU na {H$gr
^r bm^/hm{Z H$m WJZ dn H$s eof AZw~{YV H$ Ad{Y AWdm
nXZm{V AmpV`m/Xo`VmAm| H$s ~H$m`m Ad{Y go g~ {H$`m OmVm h&
L) {dH$n g{dXm Ho$ n[andVm H$mb na {dH$n ewH$$/r{` H$m
n[aemoYZ {H$`m OmVm h&
9. AMb AmpV`m :
H$. AMb AmpV`m| H$mo nanamJV bmJV | ~Vm`m OmVm h, {gdm`
nwZy`m{H$V AmpV`m| Ho$ mbm| Ho$ {Oh| nwZy`Z aH$ na ~Vm`m
OmVm h & nwZy`mH$Z go d{ H$mo nwZy`mH$Z Ama{jV {Z{Y | Om
{H$`m OmVm h&
I. bmJV | IarX H$s bmJV VWm AmpV Ho$ Cn`moJ Ho$ nhbo OJh H$s
V`mar, gWmmnZm bmJV, `mdgm{`H$ ewH$ B`m{X Ogo {H$E JE g^r
`` em{b h& Cn`moJ {H$E Om aho AmpV`m| na {H$E JE CmdadVu ``
H$mo Ho$db V^r nyOrH$V {H$`m OmEJm O~ Eogo AmpV`m| go AWdm CZH$s
H$m`mH$ jVm go ^{d` | bm^ | d{ hmoVr h&
J. n[aga H$s bmJV | d` H$s Ed n>mYmar ^y{ H$s bmJV XmoZm|
em{b h&
10 . AMb AmpV`m| na y`mg :
H$. AmpV`m| na y`mg (nwZy`m{H$V AmpV`m| H$mo {bmH$a) ~H$ mam
{ZYm[aV Xam| na y`m{gV ~hr y` na ^m[aV {H$`m J`m h, H$`yQ>am|
H$mo N>moS>H$a H$`yQ>am| na ^maVr` [aOd ~H$ mam {ZYm[aV Xa go grYo aoIm
n{V go y`mg bJm`m OmVm h&
I. Bg| n[adYZ H$m nyU df Ho$ {bE mdYmZ {H$`m OmVm h VWm Bg|
AmpV Ho$ Cn`moJ H$aZo H$s VmarI H$mo `mZ | Zht aIm OmVm h, O~{H$
{H$gr AmpV H$s IarX/{ZnQ>mZ Ho$ df | y``mg hoVw mdYmZ Zht
{H$`m OmVm h&
J. AmpV`m| Ho$ nwZy`m{H$V Ae na y`mg H$mo nwZy`Z Ama{jV Ho$
{Z{m gm`mo{OV {H$`m OmVm h&
K. Ohm ^y{ Ama ^dZ H$s bmJV AbJ-AbJ Zht H$s Om gH$Vr h, gnyU
bmJV na y`mg H$m mdYmZ, ^dZ na bmJy Xa na {H$`m OmVm h&
L n>mYm[aV ^y{ na Xm r{`, n>o H$s Ad{Y hoVw n[aemo{YV H$s OmVr
h&
M. Kaoby n[aMmbZ Ho$ g~Y | AmpV`m| na y`mg Ho$ {bE {ZZmZwgma
mdYmZ {H$`m J`m h :
H$.g.
1
2
{ddaU
n[aga
A` AMb AmpV`m
$ZuMa, {$gMa, BbopQH$b {$qQ>J Ed CnH$aU
(e) Option fees/premium is amortised over the tenor of the option

contract.
9) FIXED ASSETS:
(a) Fixed assets are stated at historic cost, except in the case of
assets which have been revalued, which is stated at revalued
amount. The appreciation on revaluation is credited to
Revaluation Reserve.
(b) Cost includes cost of purchase and all expenditure such as
site preparation, installation costs, professional fees etc.
incurred on the asset before it is put to use. Subsequent
expenditure incurred on assets put to use is capitalised only
when it increases the future benefits from such assets or their
functioning capability.
(c) Cost of premises includes cost of land, both freehold and
leasehold.
10) DEPRECIATION ON FIXED ASSETS:
a) Depreciation on assets is charged on the Written Down Value
at the rates determined by the Bank, except in respect of
computers where it is calculated on the Straight Line Method,
at the rates prescribed by RBI.
b) In respect of additions, depreciation is provided for the full
year, irrespective of the date on which the assets were put to
use whereas, depreciation is not provided in the year of sale/
disposal of an asset.
c)
Depreciation on the revalued portion of assets is adjusted

against the Revaluation Reserve.
d) Where the cost of land and building cannot be separately

ascertained, depreciation is provided on the composite cost, at
the rate applicable to buildings.
e) Premium paid on leasehold land is amortised over the period of
lease.
f)
Depreciation on assets in respect of domestic are provided as

under:
Sr.
No.
1.
Premises
2.
Other Fixed Assets

Furniture, Fixtures, Electrical fittings
Equipments
Air-conditioning plants, etc. and business
Machines
Motor cars, Vans & Motor cycles
Eà H${S>eqZJ bmQ> B`m{X Ed H$mamo~ma erZ|

moQ>a H$ma, dZ Ed moQ>a gmB{H$b|
H$`yQ>a VWm H$yQ>a gmQ>dòa Omo hmS>doà H$m AJ^yV ^mJ h&
y`mg H$s Xa
Particulars
Rate of
Depreciation
5.00%
and
Computers and Computer Software forming

integral part of hardware.
Computer Software, not forming integral part of
hardware
H$yQ>a gmQ>dòa Omo hmS>doà H$m AJ^yV ^mJ Zht h&
10.00%
15.00%
20.00%
33.33%
100.00%
g) Depreciation on fixed assets outside India is provided based on

the estimated useful life determined by each centre.
N>. ^maV Ho$ ~mha AMb AmpV`m| na y`mg H$m mdYmZ {d{Z`mH$
H$s AmdH$VmAm|/AWdm g~{YV Xoem|/C | M{bV n{V`m| Ho$
AZwgma {H$`m J`m h&
53
/ BANK OF INDIA
11 . {dXoer wm {d{Z` go g~ g`dhma :

{dXoer wm dmbo g`dhmam| H$m boImH$Z, boImmZH$ (EEg)11 ""{dXoer
{d{Z` Xam| | ^mdr n[adVZ'' Ho$ AZwn {H$`m J`m h&
H$) gmH${bV {dXoer n[aMmbZm| Ho$ g~Y | n>rH$aU
^maVr` emImAm| Ho$ {dXoer wm | g`dhmam| H$m dJuH$aU gmH${bV
{dXoer n[aMmbZ Ho$ $n | {H$`m J`m h Ama Eogo n[aMmbZ Ho$ {dXoer
wm | g`dhmam| H$mo {ZZmZwgma n {H$`m J`m h:
i. {dXoer wm | g`dhmam| H$mo [anmo{Q>J wm | Ama{^H$ m`Vm na
[aH$mS> {H$`m OmVm h Omo ^maVr` {dXoer wm `mnmar gK (o$S>mB)
mam gy{MV gmm{hH$ AmgV bmoqOJ Xa na [anmo{Q>J wm Ama
{dXoer wm Ho$ ~rM {d{Z` Xa H$mo {dXoer wm aH$ na bJm`m
OmVm h&
ii. {dXoer wm m{H$ X| o$S>mB Ho$ bmoqOJ nmQ> Xam| H$m `moJ H$a
[anmoQ> H$s OmVr h&
iii. {dXoer wm Ja-m{H$ X| Omo nanamJV bmJV Ho$ AZwgma H$s
OmVr h Ch| g`dhma H$s VmarI | {d{Z` Xa H$m `moJ H$aVo hE
[anmoQ> H$s OmVr h&
iv. {dXoer wm | aIo JE AmH$pH$ Xo`VmAm| H$mo o$S>mB Ho$ bmoqOJ
nmQ> Xam| H$m `moJ H$a [anmoQ> {H$`m OmVm h&
v. ~H$m`m {dXoer wm nmQ> Ama H$mamo~ma Ho$ {bE Ym[aV dm`Xm g{dXm
H$m {ZYm[aV n[andVm Ho$ {bE o$S>mB mam A{Ygy{MV {d{Z` Xam|
na nwZy`mH$Z {H$`m OmVm h Ama n[aUmV: bm^ AWdm hm{Z H$mo
bm^ Ama hm{Z ImVo | m`Vm Xr OmVr h&
vi. ~H$m`m {dXoer wm dm`Xm g{dXm {OZ na H$mamo~ma Zht {H$`m OmVm,
CZH$m bmooqOJ nmQ> Xa na y`m H$Z {H$`m OmVm h& Eogo dm`Xm
{d{Z` g{dXm Ho$ Ama^ | CnO r{` AWdm ~>o H$mo g{dXm Ho$
OrdZH$mb | ` ` AWdm Am` Ho$ $n | n[aemo{YV {H$`m OmEJm&
vii. m{H$ Xm| Ho$ {ZnQ>mZ | Ama^ | [aH$mS> {H$E JE Xam| go {^Z Xam|
Ho$ {bE Cn` {d{Z` AVa H$mo Cg Ad{Y Ho$ {bE Am` Ho$ $n
| AWdm `` Ho$ $n | mZm OmEJm {Og g` `h Cn hB&
viii. wm dmXm ~mOma | Iwbr pW{V Ho$ {d{Z` Xa | n[adVZ Ho$ H$maU
m{/hm{Z H$m {ZnQ>mZ X{ZH$ AmYma na {d{Z` gmemoYZ Jh |
{H$`m OmVm h Ama Eogr m{/hm{Z H$mo bm^ Ed hm{Z ImVo | m`
{H$`m OmVm h&
I) gmH$bZ a{hV {dXoer n[aMmbZm| Ho$ g~Y | n>rH$aU:
{dXoer emImAm| Ho$ {dXoer wm | g`dhma H$mo AmV[aH$ {dXoer
n[aMmbZm| Ho$ $n | dJuH$V {H$`m OmVm h Ama CZHo$ {dmr` {ddaUnm|
H$mo {ZZmZwgma n> {H$`m OmVm h:
i. AmpV`m| Ed Xo`VmAm| (m{H$ Ama Ja-m{H$ Ho$ gmW gmW
AmH$pH$ Xo`VmAm|) H$mo df H$s gm{ na ^maVr` {dXoer wm
`mnmar gK (o$S>mB) mam A{Ygy{MV bmoqOJ Xam| Ho$ AmYma na
AmH$m/n>( {H$`m OmVm h&
ii. Am` Ama ``m| H$mo g~{YV {Vmhr H$s gm{ na o$S>mB mam
gy{MV {Vmhr AmgVZ bmo[OJ Xa na n> {H$`m OmVm h&
iii. g^r n[aUmr {d{Z` AVam| H$mo g~{YV {dXoer emImAm| | {Zdb
{Zdoem| Ho$ {ZnQ>mZ VH$ EH$ AbJ ImVo - ""{dXoer wm n>rH$aU
[aOd'' | g{MV {H$`m OmVm h&
iv. {dXoer H$m`mb`m| Ho$ {dXoer wm | AmpV`m Ama Xo`VmE ({dXoer
H$m`mb`m| Ho$ WmrZr` wm H$mo N>moS>H$a) H$mo Cg Xoe | bmJy nmQ>
Xam| H$m `moJ H$aVo hE WmZr` wm | AmH$m OmVm h&
11) TRANSACTIONS INVOLVING FOREIGN EXCHANGE:

Transactions involving foreign exchange are accounted for in

accordance with AS 11, The Effect of Changes in Foreign Exchange
Rates.
a) Translation in respect of Integral Foreign operations:

Foreign currency transactions of Indian branches have been

classified as integral foreign operations and foreign currency
transactions of such operations are translated as under:
i)
Foreign currency transactions are recorded on initial

recognition in the reporting currency by applying to the
foreign currency amount the exchange rate between the
reporting currency and the foreign currency on the weekly
average closing rate as advised by Foreign Exchange
Dealers Association of India (FEDAI)
ii)
Foreign currency monetary items are reported using the

FEDAI closing spot rates.
iii) Foreign currency non-monetary items, which are carried in

terms of historical cost, are reported using the exchange
rate at the date of the transaction.
iv) Contingent liabilities denominated in foreign currency are
reported using the FEDAI closing spot rates.
v)
Outstanding foreign exchange spot and forward contracts

held for trading are revalued at the exchange rates notified
by FEDAI for specified maturities, and the resulting profit
or loss is recognised in the Profit and Loss account.
vi) Outstanding Foreign exchange forward contracts which

are not intended for trading are valued at the closing spot
rate. The premium or discount arising at the inception of
such a forward exchange contract is amortised as expense
or income over the life of the contract.
vii) Exchange differences arising on the settlement of
monetary items at rates different from those at which they
were initially recorded are recognised as income or as
expense in the period in which they arise.
viii) Gains/Losses on account of changes in exchange rates
of open position in currency futures trades are settled
with the exchange clearing house on daily basis and
such gains/losses are recognised in the Profit and Loss
account.
b) Translation in respect of Non-Integral Foreign operations:

Transactions and balances of foreign branches are classified as

non-integral foreign operations and their financial statements
are translated as follows:
i)
Assets and Liabilities (monetary and non-monetary as well

as contingent liabilities) are translated at the closing rates
notified by FEDAI.
ii)
Income and expenses are translated at the quarterly

average closing rates notified by FEDAI.
iii) All resulting exchange differences are accumulated in a

separate account Foreign Currency Translation Reserve
till the disposal of the net investments by the bank in the
respective foreign branches.
iv) The Assets and Liabilities of foreign offices in foreign
currency (other than local currency of the foreign offices)
are translated into local currency using spot rates
applicable to that country.
54
/ BANK OF INDIA
12. H$Mmar bm^ :

i. Anmd{Y H$Mmar bm^ :
Anmd{Y H$Mmar bm^m| H$s AZ{S>H$mCQ>oS> aH$ Ogo o{S>H$b bm^
Am{X, {OZH$m ^wJVmZ H$Mmar mam XmZ H$s JB godmAm| Ho$ ~Xbo {H$`m
OmVm h, Bgo H$Mmar mam Xr Om ahr godm H$s Ad{Y Ho$ XmamZ hr m`Vm
Xr OmEJr&
ii. {Z`moOZ Ho$ nMmV bm^ :
H$. n[a{Z{MV bm^ `moOZm
H$. CnXmZ (J`wQ>r)
~H$ g^r nm H$Mm[a`m| H$mo J`wQ>r XmZ H$aVm h& `h
bm^ {Z{hV H$Mm[a`m| H$mo godm{Zd{m na, {Z`moOZ Ho$ XmamZ
`wna, AWdm {Z`moOZ H$s gm{ na EH$ mVm ^wJVmZ Ho$
$n | Xr OmVr h& `h am{e òH$ nyU {H$E JE godm df Ho$
{bE Xo` 15 {XZm| Ho$ ~o{gH$ doVZ Ho$ gVw` h Omo CnXmZ
gXm` A{Y{Z` 1972 AWdm ~rAmoAmB (H$Mmar) CnXmZ
{d{Z` | {ZYm[aV A{YH$V am{e | Omo ^r A{YH$ hmo, Ho$
AYrZ h& nmM dfm] H$s godm nyU hmoZo na dopQ>J hmoVm h& ~H$
{Z{Y | Amd{YH$ AeXmZ H$aVm h {OgH$m ~YZ QQ> mam
{H$`m OmVm h Omo dm{fH$ $n | EH$ d V ~m ~rm{H$H$
y`mH$Z na AmYm[aV h&
I. n|eZ
~H$ g^r nm H$Mm[a`m| H$mo n|eZ XoVm h& {Z` Ho$ AZwgma
`h bm^ m{gH$ ^wJVmZ Ho$ $n | hmoVm h Ama {Z{hV
H$Mm[a`m| H$mo godm{Zd{m na, {Z`moOZ Ho$ XmamZ `w na,
AWdm {Z`moOZ H$s gm{ na ^wJVmZ {H$`m OmVm h& {Z`m|
Ho$ AZwgma dopQ>J {d{^ Vam| na hmoVr h& ~rAmoAmB
(H$Mmar) n|eZ {d{Z`Z Ho$ AZwgma ~H$ n|eZ {Z{Y | doVZ
H$m 10% m{gH$ AeXmZ H$aVm h& n|eZ H$s Xo`Vm dV
~rm{H$H$ y`mH$Z na AmYm[aV h Omo dm{fH$ $n | H$s
OmVr h Ama n|eZ {d{Z`Z Ho$ VhV ^wJVmZ Ho$ bm^m| H$mo
gwa{jV aIZo Ho$ {bE AmdH$Vm nS>Zo na {Z{Y | ~H$ mam
Eogo A{V[a AeXmZ {H$E OmVo h&
I. n[a{Z{MV AeXmZ `moOZm :
H$. ^{d` {Z{Y
~H$ EH$ ^{d` {Z{Y `moOZm MbmVr h& g^r nm H$Mm[a`m|
H$mo ~H$ Ho$ ^{d` {Z{Y `moOZm Ho$ VhV bm^ nmZo H$m hH$
h& ~H$ EH$ {ZYm[aV Xa (dVmZ | H$Mmar Ho$ ~o{gH$ doVZ
Ho$ 10% Ho$ gmW nm ^mo) na m{gH$ AeXmZ H$aVr h& `h
AeXmZ Bg Co go Wm{nV `mg H$mo o{fV {H$`m OmVm h
Ama Bgo bm^ VWm hm{Z ImVo | ^m[aV {H$`m OmVm h& ~H$
Eogo dm{fH$ AeXmZm| H$mo Cg g~{YV df Ho$ `` Ho$ $n |
m`Vm XoVm h&
I. n|eZ
{XZmH$ 01 Ab, 2010 go ~H$ | ^Vu hE g^r H$Mmar
AeXm`r n|eZ Ho$ nm h& Eogo H$Mmar n|eZ `moOZm |
n[a{Z{MV Xa na m{gH$ AeXmZ H$aVo h& C n|eZ `moOZm
| ~H$ ^r n[a{Z{MV Xa na m{gH$ AeXmZ H$aVm h& Eogr
`moOZm | hE `` H$mo g~{YV df Ho$ `` Ho$ $n | mVm
XoVm h& `h AeXmZ am>r` n|eZ {gQ> `mg H$mo AV[aV
{H$`m OmVm h& ~H$ H$m Xm{`d Eogo n[a{ZpMV AeXmZ VH$
gr{V h&
12) EMPLOYEE BENEFITS:

i.
Short Term Employee Benefit:
The undiscounted amount of short-term employee benefits,

such as medical benefits etc. which are expected to be paid
in exchange for the services rendered by employees are
recognised during the period when the employee renders the
service.
ii.
Post Employment Benefit:

A. Defined Benefit Plan

a) Gratuity

The Bank provides gratuity to all eligible employees.

The benefit is in the form of lump sum payments to
vested employees on retirement, on death while in
employment, or on termination of employment, for an
amount equivalent to 15 days basic salary payable
for each completed year of service, subject to a
maximum prescribed as per The Payment of Gratuity
Act 1972 or BOI (Employee) Gratuity Regulation
whichever is higher. Vesting occurs upon completion
of five years of service. The Bank makes periodic
contributions to a fund administered by trustees
based on an independent external actuarial valuation
carried out annually.
b) Pension

The Bank provides pension to all eligible employees.

The benefit is in the form of monthly payments as
per rules and payments to vested employees on
retirement, on death while in employment, or on
termination of employment. Vesting occurs at different
stages as per rules. The Bank makes monthly
contribution to the pension fund at 10% of pay in
terms of BOI (Employees) Pension regulations. The
pension liability is reckoned based on an independent
actuarial valuation carried out annually and Bank
makes such additional contributions periodically to
the Fund as may be required to secure payment of
the benefits under the pension regulations.
B. Defined Contribution Plan:

a) Provident Fund

The Bank operates a Provident Fund scheme. All

eligible employees are entitled to receive benefits
under the Banks Provident Fund scheme. The
Bank contributes monthly at a determined rate
(currently 10% of employees basic pay plus eligible
allowance). These contributions are remitted to a
trust established for this purpose and are charged to
Profit and Loss Account. The bank recognises such
annual contributions as an expense in the year to
which it relates.
b) Pension

55
All Employees of the bank, who have joined from 1st

April, 2010 are eligible for contributory pension. Such
employees contribute monthly at a predetermined
rate to the pension scheme. The bank also contributes
monthly at a predetermined rate to the said pension
scheme. Bank recognises its contribution to such
scheme as expenses in the year to which it relates.
The contributions are remitted to National Pension
System Trust. The obligation of bank is limited to
such predetermined contribution.
/ BANK OF INDIA
iii.
A` XrKH$m{bH$ H$Mmar bm^

H$ . Nw>>r ZH$XrH$aU bm^ Omo n[a{Z{MV bm^ Xm{`d h, EEg 15 H$Mmar bm^ Ho$ AZw$n ~rm{H$V y`mH$Z Ho$ AmYma na CnbY
H$adm`m OmVm h&
I . A` H$Mmar bm^ Ogo Nw>>r {H$am`m [a`m`V, mBbQ>moZ EdmS>,
nwZWmnZm bm^, AmH$pH$ bm^ B`mr{X n[a{Z{MV bm^ Xm{`d
h Omo EEg 15 - H$Mmar bm^ Ho$ AZw$n ~rm{H$V y`mH$Z Ho$
AmYma na CnbY H$adm`m OmVm h&
13. {V eoà AOZ :o
H$. EEg 20 ""AOZ {V eoà'' Ho$ AZwgma {V B{dQ>r eoà ~o{gH$ Ed
S>m``yQ>oS> AOZ H$s [anmoQ> H$s OmVr h& {V B{dQ>r eoà yb AOZ H$s
Cg Ad{Y Ho$ XmamZ ~H$m`m B{dQ>r eoà H$s ^m[aV AmgV g`m mam
{Zdb go ^mJ H$a JUZm H$s OmVr h&
I. {V B{dQ>r eoà S>m``yQ>oS> Am` H$s B{dQ>r eoàm| H$s ^m[aV AmgV
g`m Ed Ad{Y Ho$ XmamZ ~H$m`m Vab g^m` B{dQ>r eoàm| H$mo Cn`moJ
| boH$a JUZm H$s OmVr h&
14. Am` na H$a :
H$. EEg-22 ""Am` na H$am| Ho$ {bE boImH$Z'' Ho$ AZw$n Am`H$a | df
Ho$ XmamZ Mmby H$a mdYmZ Ama AmpV`m| `m Xo`VmAm| na AmW{JV H$a
| ew n[adVZ em{b h& Mmby H$am| H$m {ZYmaU boImH$Z mZH$ 22 Ho$
mdYmZ Ama {dXoer H$m`mb` Ho$ H$am| H$m boIm boVo hE ^maV | bmJy
H$a H$mZyZm| na {H$`m OmVm h Omo g~{YV A{YH$ma jo Ho$ H$a H$mZyZm| na
AmYm[aV h& AmWa{JV H$a gm`moOZ | Ad{Y Ho$ XmamZ AmWf{JV
H$a AmpV`m| Ama Xo`VmAm| | n[adVZ em{b h&
I. Am` VWm `` H$s X| Omo EH$ g` AmVr h Ama Omo nadVu EH$ `m
A{YH$ dfm] | [adgb H$s Om gH$Vr h Ho$ g~Y | AmW{JV H$a Ho$
{bE {ddoH$nyU {dMma H$aZo Ho$ A`YrZ m`Vm h&
J. AmW{JV H$a AmpV`m| Ama Xo`VmAm| H$m mnZ VwbZn H$s {V{W na `m
~mX | bmJy {H$E JE H$a Xam| Ama H$a H$mZyZm| na {H$`m OmVm h&
K. AmW{JV H$a AmpV`m| H$mo òH$ [anmo{Q>J {V{W | m`Vm Xr OmVr h
Ama nwZy`mH$Z {H$`m OmVm h Omo dgybr H$mo gw{MV $n go {Z{MV
mZo OmZo hoVw ~YZ H$s am` na AmYm[aV h& AmW{JV H$a AmpV`m|
H$mo AmJo bmE JE AZmdemo{fV y`mg Ama H$a hm{Z`m| na Ho$db V^r
m`Vm Xr OmVr h O~ `h nyUV: {Z{MV hmo {H$ AmW{JV H$a AmpV`m|
H$s ^{d` bm^ go dgybr hmo gH$Vr h&
15. AmpV`m| H$m mg
pWa AmpV`m| (nwZyp`V AmpV`m| g{hV) na m{gV hm{Z `{X H$moB hmo H$mo
EEg 28 AmpV`m| H$m mg Ho$ AZw$n bm^ Ama hm{Z ImVo | ^m[aV H$s
OmVr h& VWm{n nwZyp`V AmpV na m{gV hm{Z H$mo grYo AmpV Ho$ {bE
{H$gr nwZy`Z A{Yeof na m`Vm Cg hX VH$ h Ohm VH$ EH$ hr AmpV
Ho$ nwZy`Z A{Yeof | aIr J`r aH$ m{gV hm{Z go A{YH$ Z hmo&
16. mdYmZ, AmH$pH$ Xo`VmE Ed AmH$pH$ AmpV`m :
EEg 29 ""mdYmZ, AmH$pH$ Xo`VmE Ed AmH$pH$ AmpV`m'' Ho$
AZwgma yb ~H$ mdYmZm| H$mo ^r m`Vm XoVm h& O~ {nN>br KQ>ZmAm| Ho$
n[aUmd$n dVmZ na H$moB Xm{`d hmo, `h g^m` h {H$ Am{WH$ bm^m| H$mo
gm{d> H$aVo hE ggmYZm| H$m ~{hJZm| Ho$ Xm{`dm| H$mo {ZnQ>mZ H$aZo Ho$ {bE
AmdH$Vm nS>oJr Ama O~ Xm{`d H$s am{e H$m {ddgZr` AZwmZ {H$`m Om
gH$Vm hmo&
O~ VH$ {H$ Am{WH$ bm^m| H$mo gm{d> H$aVo hE ggmYZm| Ho$ ~{hJZ H$s
g^mdZm H$ Z hmo, AmH$pH$ Xo`VmAm| H$m H$Q>Z {H$`m OmVm h&
{dmr` {dda{U`m| | AmH$pH$ AmpV`m| H$mo m` Zht {H$`m OmVm h `m|{H$
BgHo$ n[aUmd$n Am` {ZYmaU H$s ~mV Am gH$Vr h O~{H$ dh H$^r ^r
dgyb Zht hmo nmVr&
iii. Other Long term Employee Benefit:

c) Leave encashment benefit, which is a defined benefit
obligation, is provided for on the basis of an actuarial
valuation in accordance with AS 15 - Employee Benefits.
d) Other employee benefits such as Leave Fare Concession,
Milestone award, resettlement benefits, etc. which are
defined benefit obligations are provided for on the basis
of an actuarial valuation in accordance with AS 15 Employee Benefits.
13) EARNINGS PER SHARE:
a) Basic and Diluted earnings per equity share are reported in
accordance with AS 20 Earnings per share. Basic earnings
per equity share are computed by dividing net profit after tax
by the weighted average number of equity shares outstanding
during the period.
b) Diluted earnings per equity share are computed using the
weighted average number of equity shares and dilutive
potential equity shares outstanding at the end of the period.
14) TAXES ON INCOME:
a) Income Tax comprises the current tax provision and net
change in deferred tax assets or liabilities during the year, in
accordance with AS 22 Accounting for Taxes on Income.
Current taxes are determined in accordance with the provisions
of Accounting Standard 22 and tax laws prevailing in India after
taking into account taxes of foreign offices, which are based on
the tax laws of respective jurisdiction. Deferred tax adjustments
comprise of changes in the deferred tax assets or liabilities
during the period.
b) Deferred Tax is recognised subject to consideration of
prudence in respect of items of income and expenses those
arise at one point of time and are capable of reversal in one or
more subsequent years.
c) Deferred tax assets and liabilities are measured using the tax
rates and tax laws that have been enacted or substantively
enacted by the balance sheet date.
d) Deferred tax assets are recognised and reassessed at each
reporting date, based upon managements judgement as to
whether realisation is considered reasonably certain. Deferred
tax assets are recognised on carry forward of unabsorbed
depreciation and tax losses, only if there is virtual certainty that
such deferred tax assets can be realised against future profits.
15) IMPAIRMENT OF ASSETS:

Impairment losses, if any on Fixed Assets (including revalued
assets) are recognised and charged to Profit and Loss account
in accordance with AS 28 Impairment of Assets.However, an
impairment loss on a revalued asset is recognised directly against
any revaluation surplus for the asset to the extent that the impairment
loss does not exceed the amount held in the revaluation surplus for
that same asset.
16) PROVISIONS, CONTINGENT LIABLITIES AND CONTINGENT
ASSETS:

As per AS 29 Provisions, Contingent Liabilities and Contingent
Assets, the Bank recognises provisions only when it has a present
obligation as a result of a past event and it is probable that an
outflow of resources embodying economic benefits will be required
to settle the obligation and when a reliable estimate of the amount of
the obligation can be made.

Contingent liability is disclosed unless the possibility of an outflow of
resources embodying economic benefit is remote.

Contingent Assets are not recognised in the financial statements
since this may result in the recognition of income that may never be
realised.
56
/ BANK OF INDIA
17. eoà Omar H$aZo hoVw ` :
17) SHARE ISSUE EXPENSES:
Share issue expenses are charged to the Profit and Loss Account in
the year of issue of shares.
Accounting policy relevant to consolidated financial Statement
{Og df | eoà Omar H$s OmVr h, eoà Omar H$aZo Ho$ `` H$mo bm^ VWm hm{Z
ImVo | ^m[aV {H$`m OmVm h&
2. goH$Z H$m AmYma

gyh Ho$ go{H$V {dmt` {ddaU {ZZ AmYma na V`ma {H$E JE h:
2) BASIS OF CONSOLIDATION:

1. ~H$ Am$ B{S>`m (yb ~H$) Ed CgH$s AZwf{J`m| Ho$ {dmrm` {ddaU
^maVr` gZXr boImH$ma gWmZ (AmBgrEAmB) mam Omar {H$E JE
boImJV mZH$ (EEg) 21 ""go{H$V {dmr` {ddaU'' Ho$ AZwgma V`ma
{H$E OmVo h& Eogm n{$ Xa n{$ AmYma na {H$`m OmVm h Ama CZHo$ gmW
Eogr X| Ogo AmpV`m, Xo`VmE, Am` Ama `` OmoS> Xr OmVr h Ama
AVa Jwn g`gdhmam|, eof am{e {~Zm dgybo Jò bm^/hm{Z H$mo Cg| go
{ZH$mb {X`m OmVm h Ama BgHo$ gmW-gmW Eogo Amd`H$ gm`moOZ ^r
{H$E OmVo h, Omo boImJV Zr{V Ho$ AZwn Cho ~ZmZo Ho$ {bE AmdH$
hmo& {H$Vw Eogm AmodagrO AZwf{J`m|/ghm`H$ H$n{Z`m| Ho$ mbo H$mo
N>moS>H$a h, Ohm {dmr` {ddaU n WmZr` {d{Z`mH$ AnojmAm|/
AVam>r` {dmr` [anmo{Q>J mZH$m| (AmBE$AmaEg) Ho$ AmYma na V`ma
{H$E OmVo h& go{H$V {dmr` {ddaUm| | Eogo gm`moOZm| Ho$ n[aUmm| H$mo
em{b ^r Zht {H$`m Om ahm h, `mo{H$ CZH$m Cg na ~hV Aga nS>Zo
H$s g^mdZm Zht h& AZwf{J`m| Ho$ {dmr` {ddaU Cgr [anmo{Q>J VmarI
VH$ V`ma {H$E JE h Omo yb ~H$ H$s [anmo{Q>J VmarI h, AWmV 31
mM, 2015 &
Consolidated financial statements of the group have been prepared

on the basis of:
1.
The financial statements of Bank of India (the Parent bank) and

its subsidiaries in accordance with Accounting Standard (AS)
21 Consolidated Financial Statements issued by the Institute
of Chartered Accountants of India (ICAI), on a line by line basis
by adding together like items of assets, liabilities, income and
expenses after eliminating intra-group transactions, balances,
unrealised profit/loss and making necessary adjustments
wherever required to conform to uniform accounting policies
except in case of overseas subsidiaries/ associates, where, the
financial statements are prepared based on local regulatory
requirements/ International Financial Reporting Standards
(IFRS). Impact of such adjustments not being material is not
given in Consolidated Financial Statements. The financial
statements of the subsidiaries are drawn upto the same
reporting date as that of Parent bank i.e. 31st March 2015.
2. AZwf{J`m| | {Zdoe H$s yb bmJV Ama AZwf{J`m| | B{dQ>r Ho$ yb

{hgo Ho$ ~rM Ho$ AVa H$mo gmI/Ama{jV nyOr Ho$ n | m`Vm Xr OmVr
h `{X H$moB gmI h Vmo BgH$s m`Vm m hmoZo na VwaV ~>o ImVo S>mb
Xr OmVr h&
2.
The difference between cost to the parent bank of its investment

in the subsidiaries and Parent banks share in the equity of
the subsidiaries is recognised as goodwill/capital reserve.
Goodwill, if any, is written off immediately on its recognition.
3. go{H$V {dmr>` {ddaU n | Ang`H$ {hV AZwf{J`m| H$s {Zdb

B{dQ>r | Ang`H$ eoàYmaH$m| Ho$ eoà Ho$ n | h&
3.
Minority interest in the Consolidated Financial Statement

consists of the share of the minority shareholders in the net
equity of the subsidiaries.
4.
Accounting for Investment in Associate companies is done

under Equity method in accordance with Accounting Standard
(AS) 23, Accounting for Investments in Associates in
Consolidated Financial Statements, issued by ICAI.
5.
Accounting for Investments in Joint Venture are consolidated

on Proportionate basis as prescribed in Accounting Standard
(AS) 27, Financial Reporting of Interests in Joint Ventures
issued by ICAI.
4. ghm`H$ H$n{Z`m| | {Zdoe H$m boImH$Z ^maVr` gZXr boImH$ma gWmZ

(AmBgrEAmB) mam Omar boImH$Z mZH$ (EEg) 23, ""go{H$V {dmr`
{ddaUnm| | ghm`H$ H$n{Z`m| | {Zdoe H$m boImH$Z'' Ho$ AZwgma
B{dQ>r VarHo$ Ho$ VhV {H$`m J`m h&
5. g`w$ C | {Zdoem| H$m boImH$Z ^maVr` gZXr boImH$ma gWmZ
(AmBgrEAmB) mam Omar boImH$Z mZH$ (EEg) 27, ""g`w$ Cm| |
{hVm| H$s {dmr` [anmo{Q>J'' | {d{hV {H$E JE AZwgma gmZwnmV AmYma
na go{H$V h&
57
/ BANK OF INDIA
O~ VH$ {H$ {d{e> $n go A`Wm Z H$hm J`m hmo g^r AmH$So> ` H$amoS>m| | h
H$moH$ | {XE AmH$So> {nN>bo df go g~{YV h
g{j {dmr` {dda{U`m| Ho$ ^mJ d>$n {Q>n{U`m&
1. g{j {dmr` {ddaU | ~H$ Ho$ boImnar{jV {dmr` {ddaUm| Ho$ V`mar | bmJy
boImH$Z mZH$m| mam Amd`H$ g^r H$Q>Z em{b Zht h & AV: g{j {dmr`
{ddaU ~H$ Ho$ boIm nar{jV {dmr` {ddaU H$m EdOr Zht h&
2. ~H$ Ho$ gm{d{YH$ boImnarjH$m| Zo AnZr am` n[ad{VV {H$E {~Zm {dmr` {ddaU
Ho$ {ZZ{bpIV {Q>n{U`m| na `mZ AmH${fV {H$`m h:
H$. AZwgyMr 18 Ho$ Q>S AbmoZ {dmr` {ddaU {Q>nUr g 3 Ama go{H$V
{dmr` {ddaU {Q>nUr g 7 Omo {ZZmZwgma nT>o OmVo h&
df Ho$ XmamZ yb ~H$ Zo AnZr boImH$Z Zr{V | n[adVZ {H$`m h Ama
AdmZH$ ({V^yVrH$V) Ho$ $n | dJuH$V EZnrE Ho$ g~Y | EH$ df
Ho$ {bE {Zdb A{VXo` A{J H$m mdYmZrH$aU 50% (d[aV mdYmZ)
go 25% (`yZV mdYmZ) {H$`m h& AJa nhbo hr boImH$Z Zr{V H$m
nmbZ {H$`m J`m hmoVm Vmo, df Ho$ {bE EZnrE hoVw mdYmZ ` 811 H$amoS>
A{YH$ hmoVm Ama n[aUmd$n df Ho$ {bE {Zdb bm^ (H$a H$m {Zdb)
` 535.34 H$amoS> H$ hmoVm&
I) AZwgyMr 18 H$m Q>S AbmoZ {dmr` {ddaU H$m ZmoQ> H$mH$ 4.1.1 VWm
go{H$V {Q>nUr {dmr` {ddaU H$m ZmoQ> H$mH$ 10 {ZZ {bpIV AZwgma
nT>m OmEJm&
^maVr` [aOd ~H$ Ho$ 9 $adar 2011 Ho$ n[an H$mH$
S>r~rAmoS>r.~rnr.~rgr.80/21.04.118/2010-11 Ho$ AZwgaU
| CnM AmYma na nhbo n[aH${bV n|eZ H$m drH$ma Z H$aZodmbo
dVmZ H$Mm[a`m| Ho$ {bE n|eZ {dH$n H$mo nwZ: VwV H$aZo na
` 2212.15 H$amoS> (31 mM 2011 go Ama^ hmoH$a 5 dfm] | F$U
MwH$Vm {H$`m OmEJm) A{V[a$ Xo`Vm AZwnm{VH$ AmYma na bm^ Ed hm{Z
ImVo | ` 442.44 H$amoS> df Ho$ {bE ^m[aV {H$`m J`m&
CnXmZ A{Y{Z`, 1972 Ho$ ^wJVmZ | CnXmZ grm d{ Ho$ ImVo |
` 428.96 H$amoS> (31 mM 2011 go Ama^ hmoH$a 5 dfm] | F$U MwH$Vm
{H$`m OmEJm) A{V[a Xo`Vm Ho$ AZwnm{VH$ AmYma na bm^ Ed hm{Z
ImVo go ` 85.79 H$amoS> df Ho$ {bE ^m[aV {H$`m J`m&
J) AZwgyMr 18 H$m Q>S> AbmoZ {dmr` {ddaU H$m ZmoQ> H$mH$ 7(E$) VWm
go{H$V {Q>nUr {dmr` {ddaU H$m ZmoQ> H$mH$ 7(~r) {ZZ[bpIV
AZwgma nT>m OmEJm&
^maVr` [aOd ~H$ Ho$ n g.S>r~rEg:grAmo:EgEgE:~rAmoAmB)
14657:13:37:001:2014-15 {XZmH$ 20 B 2015 Ho$ AZwgaU |
~H$ Zo H${Vn` EZnrE Ho$ g~Y | ` 709.31 H$amoS> Ho$ mdYmZ H$mo
AmW{JV {H$`m h Ama H${Vn` EZnrE Ho$ {~H$s na ` 403.21 H$amoS>
H$r hm{Z H$mo OyZ, 2015 go Ama^ hmo aho 3 {Vm{h`m| H$s Ad{Y Ho$
XmamZ n[aemo{YV {H$`m OmEJm& `{X ~H$ H$mo `h Ny>Q> Zhr Xr OmVr Vmo Bg
df | EZnrE Ho$ {bE mdYmZ ` 1112.52 H$amoS> A{YH$ hmoVm {OgHo$
$bd$n df H$m {Zdb bm^ (H$a H$m {Zdb) ` 734.37 H$amoS> go KQ>
OmVm&
K) AZwgyMr 18 Ho$ Q>S> AbmoZ {dmr` {ddaU H$m ZmoQ> g.7(Or) Ama
go{H$V {dmr` {ddaU H$m ZmoQ> g.7(gr) Omo {ZZmZwgma nT>m OmEJm&
^maVr` [aOd ~H$ Ho$ n g.S>r~rAma:~rnr:17252:21:04:048:2014-15
{XZmH$ 13 B 2015 Ho$ AZwgmaUo | ~H$ mam EAmagr H$mo 26 $adar
2014 Ama 31 M 2015 Ho$ ~rM {~H$s H$s JB {dmr` AmpV`m| go
AmZo dmbr H$r H$m {Og {Vmhr | AmpV ~oMr JB Cggo boH$a 8
{Vm{h`m| H$s Ad{Y Ho$ XmamZ n[aemoYZ {H$`m OmEJm& Vxgma ~H$ Zo df
Ho$ {bE bm^ Ama hm{Z ImVo | ` 112.66 H$amoS> ^m[aV {H$`m h Ama
` 478.91 H$amoS> H$s eof am{e H$m ^{d` Ad{Y Ho$ bm^ Ama hm{Z
ImVo | ^m[aV H$aZo Ho$ {bE AmJo bo Om`m J`m h&
All figures are in ` Crores unless specifically stated

Figures in brackets relate to previous year
NOTES FORMING PART OF ABRIDGED FINANCIAL STATEMENTS
1.
2.
58
The abridged financial statements do not contain all the disclosures

required by the Accounting Standards applied in the preparation of
the audited financial statements of the Bank. The abridged financial
statements, therefore, is not a substitute of the audited financial
statements of the Bank.
The Statutory Auditors of the Bank, without modifying their opinion
have drawn attention to the following notes to the Financial
Statements:
a. Note No.2 of the Standalone Financial Statements and Note
No.7 of consolidated Financial Statements of Schedule 18
which reads as under:

During the year, the Bank has changed its accounting policy of
provisioning in respect of NPAs classified as doubtful category
(Secured Portion) up to one year from 50% (accelerated
provision) to 25% (minimum provision) of net outstanding
advances. Had the earlier accounting policy been followed,
the provision for NPAs for the year would have been higher by
` 811 crores with consequential decrease in Net Profit for the
year (net of tax) by ` 535.34 crores.
b. Note No.4.1.1 of the Standalone Financial Statements and
Note No.10 of consolidated Financial Statements of Schedule
18 which reads as under:

In accordance with the RBI circular no.DBOD.
BP.BC.80/21.04.018/2010-11dated 9th February 2011:
` 442.42 Crores for the Year has been charged to the
Profit & Loss Account on proportionate basis towards
additional liability of `2212.15 Crores (being amortised
over 5 years beginning from 31st March, 2011) on account
of reopening of pension option for existing employees
who had not opted for pension earlier calculated on
actuarial basis. There remains no amount to be amortised
in future periods.
` 85.79Crores for the Year has been charged to the Profit
& Loss Account on proportionate basis towards additional
liability of `428.96 Crores (being amortised over 5 years
beginning from 31st March 2011) on account of the
enhancement of gratuity limits in Payment of Gratuity Act,
1972. There remains no amount to be amortised in future
periods.
c. Note No.7 (f) of the Standalone Financial Statements and Note
No. 7(B) of consolidated Financial Statements of Schedule 18

Pursuant to Reserve Bank of India Letter No. DBS :CO:SSM:(
BOI) 14657:13.37.001:2014-15 dated 20th May, 2015, the
bank has deferred provision of ` 709.31 Crores in respect of
certain NPAs and loss of ` 403.21 Crores on sale of certain
NPAs to be amortized over a period of 3 quarters commencing
from June 2015. Had this dispensation been not given to the
bank, the provision for NPAs for the year would have been
higher by ` 1112.52 Crores with consequential decrease in Net
Profit for the year (net of tax) by ` 734.37 Crores.
d. Note No.7 (g) of the Standalone Financial Statements and Note
No. 7(C) of consolidated Financial Statements of Schedule 18

Pursuant to Reserve Bank of India Letter No.
DBR:BP:17252:21.04.048:2014-15 dated 13th May, 2015, the
bank has amortized the shortfall arising out of sale of financial
assets to ARCs, sold between 26th February, 2014 and 31st
March, 2015, over a period of 8 quarters from the quarter in
which the asset was sold. Consequently, the bank has charged
` 112.66 Crores to Profit & Loss Account for the year and the
balance amount of ` 478.91 Crores is being carried forward to
be charged to Profit & Loss Account of future periods
/ BANK OF INDIA
3. {ZZ{bpIV OmZH$mar H$m ^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$ AZwgma H$Q>Z
{H$`m J`m h
3.1) nyOr :
{ddaU
3.
The following information is disclosed in terms of guidelines issued

by RBI:
3.1. Capital:
Q>S> AbmoZ
Particulars
i)
v)
gmm` B{$Q>r {Q>à 1 nyOr AZwnmV

(grBQ>r 1) (%)
~mgob-II
~mgob -III
{Q>à I nyOr AZwnmV (%)
~mgob -II
~mgob -III
{Q>à II nyOr AZwnmV (%)
~mgob -II
~mgob -III
Hw$b nyOr AZwnmV (grAmaAma) (%)
~mgob II
~mgob -III
^maV gaH$ma H$s eoàYm[aVm H$m {VeV
vi)
df Ho$ XmamZ m B{$Q>r nyOr am{e
ii)
iii)
iv)
vii)
gmm` B{$Q>r {Q>à 1 nyOr AZwnmV

(grBQ>r 1) (%)
~mgob II
~mgob -III
viii) df Ho$ XmamZ {Q>à-I nyOr Ho$ $n | m am{e
(AmBnrS>rAmB)
ix) df Ho$ XmamZ m> {Q>à-II am{e AWmV So>Q>
H${nQ>b BQ>|Q>
{Q>à I nyOr ~T>mZo hoVw {bE JE ~H$m`m Zdmoof gVV
Ho$ `mao {ZZmZwgma h :
df
d$n
2006-07 AmBnrS>rAmB
2007-08
2008-09
2009-10
2010-11
2014-15
{Q>à II nyOr
df
AmBnrS>rAmB
AmBnrS>rAmB
AmBnrS>rAmB
AmBnrS>rAmB
EQ>r-1
~T>mZo hoVw {bE
d$n
2005-06 bmoAa {Q>à II

2006-07 Ana {Q>à II
2006-07
2008-09
2009-10
2010-11
2013-14
2013-14
Ana {Q>à II
Ana {Q>à II
Ana {Q>à II
Ana {Q>à II
Ana {Q>à II
Ana {Q>à II
go{H$V
Standalone
Consolidated
31.03.2015 31.03.2014 31.03.2015 31.03.2014
Common Equity Tier 1 Capital ratio

(CET1) (%)
Basel-II
bmJy Zht/NA bmJy Zht/NA bmJy Zht/NA bmJy Zht/NA
Basel-III
7.18%
6.84%
7.59%
6.99%
Tier I Capital ratio (%)
Basel-II
8.23%
7.57%
8.71%
7.89%
Basel-III
8.17%
7.24%
8.63%
7.42%
Tier II Capital ratio (%)
Basel-II
3.19%
3.19%
3.24%
3.26%
Basel-III
2.56%
2.73%
2.59%
2.79%
Total Capital ratio (CRAR) (%)
Basel-II
11.42%
10.76%
11.95%
11.15%
Basel-III
10.73%
9.97%
11.22%
10.21%
Percentage of the shareholding of the
64.43%
66.70%
64.43%
66.70%
Government of India
Amount of Equity Capital Raised during
642.00
1000.00
642.00
1000.00
the year
Common Equity Tier 1 Capital ratio
(CET1) (%)
Basel-II
bmJy Zht/NA bmJy Zht/NA bmJy Zht/NA bmJy Zht/NA
Basel-III
7.18%
6.84%
7.59%
6.99%
Amount of Additional Tier 1 capital
2500.00
2500.00
raised during the yeari.e. IPDI
Amount of Tier-II capital raised i.e. Debt
0.00
1500.00
0.00
1500.00
Capital Instruments, during the year
F$U {bIV (AmBnrS>rAmB) Details of outstanding Innovative Perpetual Debt Instruments (IPDI)
raised to augment Tier I capital are as under:
am{e
532.34
(`yEgS>r 85 {{b`Z)
655.00
458.50
400.00
280.00
325.00
227.50
300.00
210.00
2500.00
2500.00
JE ~H$m`m {Q>à II {bIVm| Ho$ `m>ao
am{e
950.00
1,492.96
(`yEgS>r 240 {{b`Z)
732.00
500.00
2000.00
1000.00
1000.00
500.00
Raised in Nature
the year
2006-07
IPDI
grAmaEAma n[aH$bZ Ho$

`moOZ hoVw JUZm
372.64
2007-08
2008-09
2009-10
2010-11
2014-15
IPDI
IPDI
IPDI
IPDI
AT-1
Amount
532.34
(USD 85 Million)
655.00
400.00
325.00
300.00
2500.00
Reckoned for the purpose

of CRAR computation
372.64
458.50
280.00
227.50
210.00
2500.00
Details of outstanding Tier II Instruments raised for to augment Tier II

capital is as under:
grAmaEAma n[aH$bZ Ho$

`moOZ hoVw JUZm
40.00
1,045.07
Raised in
the year
Nature
2005-06
Lower Tier II
950.00
40.00
2006-07
Upper Tier II
1,492.96
(USD 240 Million)
1,045.07
512.40
350.00
1400.00
700.00
1000.00
500.00
2006-07
Upper Tier II
732.00
512.40
2008-09
Upper Tier II
500.00
350.00
2009-10
Upper Tier II
2000.00
1400.00
2010-11
Upper Tier II
1000.00
700.00
2013-14
Upper Tier II
1000.00
1000.00
2013-14
Upper Tier II
500.00
500.00
59
Amount
Reckoned for the

purpose of CRAR
computation
/ BANK OF INDIA

3.2. Investments
3.2 {Zdoe
H$. g.
1
{ddaU
{Zdoe H$m y`
i)
{Zdoem| H$m gH$b y`
H$) ^maV |
I) ^maV Ho$ ~mha
ii) y`mg hoVw mdYmZ
H$) ^maV |
I) ^maV Ho$ ~mha
iii) gH$mU
H$) ^maV |
I) ^maV Ho$ ~mha
iv) {Zdoem| H$m {Zdb y`
H$) ^maV |
I) ^maV Ho$ ~mha
{Zdoe na y`mg Ho$ {bE {H$E JE
mdYmZm| H$s pW{V
i) ma{^H$ eof
ii) OmoS|>: df Ho$ XmamZ {H$E JE mdYmZ
iii) KQ>mE : ~>o ImVo S>mbZm/df Ho$ XmamZ
A{V[a$ mdYmZ H$m amBQ>-~H$
iv) A{V eof
120,860.46
115,354.25
5,506.21
1,065.50
482.52
582.98
2.91
0.00
2.91
119,792.05
114,871.73
4,920.32
115,251.01
109,128.04
6,122.97
1,095.30
617.04
478.26
3.28
3.28
114,152.43
108,511.00
5,641.43
1,095.30
84.12
113.92
980.10
72.55
(42.65)
1,065.50
3.2.1 df Ho$ XmamZ {H$E JE aonmo g`dhma (A{H$V y` na)
1,095.30
(` H$amoS> |)
{ddaU
Sr. No.
`Wm
`Wm
31.03.2015 31.03.2014
Particulars
ii)
H$mnm}aoQ> F$U {V^y{V`m
[adg aonmo Ho$ AVJV IarXr JB {V^y{V`m

i) gaH$mar {V^y{V`m
ii)
H$mnm}aoQ> F$U {V^y{V`m
As at
31.03.2014
Value of Investments
i)
Gross Value of
Investments
120,860.46
115,251.01
a)
In India
115,354.25
109,128.04
b)
Outside India
5,506.21
6,122.97
Provisions for
Depreciation
1,065.50
1,095.30
ii)
a)
In India
482.52
617.04
b)
Outside India
582.98
478.26
Amortisations
2.91
3.28
a)
In India
0.00
b)
Outside India
2.91
3.28
iii)
iv)
Net Value of Investments
119,792.05
114,152.43
a)
In India
114,871.73
108,511.00
b)
Outside India
4,920.32
5,641.43
1,095.30
980.10
84.12
72.55
113.92
(42.65)
1,065.50
1,095.30
Movement of provisions
held towards depreciation
on investments
i)
Opening balance
ii)
Add: Provisions made

during the year
iii)
Less: Write-off/ writeback of excess provisions

during the year
iv)
Closing balance
3.2.1. Repo Transactions (in face value terms)undertaken during the year:
Particulars
df Ho$ XmamZ
`yZZV ~H$m`m
Minimum
outstanding
during the
year
aonmo Ho$ AVJV ~oMr JB {V^y{V`m

i) gaH$mar {V^y{V`m
As at
31.03.2015
df Ho$ XmamZ
A{YH$V
~H$m`m
Maximum
outstanding
during the
year
df Ho$ XmamZ
X{ZH$ AmgV
~H$m`m
Daily
Average
outstanding
during
the year
(` in Crore)
~H$m`m `Wm 31
mM, 2015
Outstanding
as on
March 31,
2015
Securities sold under repo

i) Government Securities
0
(0.00)
(0.00)
ii) Corporate Debt Securities
Securities purchased under reverse repo
0.00
(0.00)
i) Government Securities
ii) Corporate Debt Securities
0
(0)
Bg| ^maVr` [aOd ~H$ Ho$ gmW ZH$Xr gm`moOZ gw{dYm (EbEE$) AVJV {H$E
JE gmXo em{b h (m{OZ H$mo N>mSo >H$a)&
60
4731.66
(9,178.00)
140.40
(-)
800.93
(3,153.67)
0.38
(-)
3131.67
(2,270.00)
(-)
4000
(0.0)
0
(0)
241.77
(0.0)
0
(0)
0.0
(0.0)
0
(0)
The above include transactions undertaken under Liquidity

Adjustment Facility (LAF) with RBI (net of margin).
/ BANK OF INDIA

3.2.2.
3.2.2. Ja-EgEbAma {Zdoe g{d^mJ:

i) Ja-EgEbAma {Zdoe g{d^mJ Ho$ OmarH$VmAm| H$s ~ZmdQ>
H$.
g.
OmarH$Vm
Issuer
am{e
Amount
Sr.
No.
{ZOr Vma na eoà

Am~Q>Z
Extent of Private
Placement
(1)
i.
(2)
gmdO{ZH$ CnH$
PSUs
ii.
{dmr` gWmE
FIs
iii.
~H$
Banks
iv.
{ZOr H$mnm}aoQ>
Private Corporates
v.
AZwf{J`m/ g`w$ C
Subsidiaries/Joint Ventures
vi.
A`.
Others
Cn-OmoS>
Sub-total
vii.
KQ>mE: y`mg hoVw {H$E JE mdYmZ

Less: Provision held towards
Depreciation
Hw$b
Total
i.
ii)
(3)
2,946.87
(3,318.47)
2,364.98
(2,179.76)
1035.92
(1,538.35)
2,726.07
(3,282.12)
1,034.60
(907.71)
5,398.17
(3,425.39)
15,506.61
(14,651.80)
1,054.79
(1,084.67)
(4)
1,890.74
(181.87)
0.00
(0.00)
100.00
(0.00)
1986.27
(1,025.25)
1034.60
(907.71)
4,160.01
(1,455.42)
9,171.62
(3,570.25)
0.00
(0.00)
14,451.82
(13,567.13)
9171.62
(3,570.25)
AZOH$ Ja-EgEbAma {Zdoe
{ddaU
2014-15
ma{^H$ eof
810.20
df Ho$ XmamZ n[adYZ
239.36
df Ho$ XmamZ H$Q>m{V`m
74.94
B{Veof
974.61
Ym[aV Hw$b mdYmZ
717.49
* {d{Z` AVa em{b
3.2.3 {~H$s VWm EMQ>rE loUr H$mo/go hVmVaU:
ii.
Non-SLR Investment Portfolio:

Issuer Composition of Non-SLR Investments
{Zdoe JoS> go ZrMo

{V^y{V Am~Q>Z
AloUrH$V {V^y{V
Am~Q>Z
AgyMr~ Am~Q>Z
(5)
Extent of Below
Investment
Grade Securities
Extent of
Un-listed
Securities
(6)
(7)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
621.01
(527.68)
0.00
(0.00)
0.00
(0.00)
621.01
(527.68)
0.00
(0.00)
0.00
(0.00)
144.90
(0.00)
0.00
(0.00)
133.67
(59.91)
0.00
(907.71)
142.92
(151.15)
421.49
(1,118.77)
0.00
(0.00)
0.00
(0.00)
144.90
(0.00)
156.25
(0.00)
83.57
(2,022.82)
0.00
(0.00)
19.38
(1,227.63)
404.10
(3,250.45)
0.00
(0.00)
621.01
(527.68)
421.49
(1,118.77)
404.10
(3,250.45)
Non-performing Non-SLR Investments

Particulars
2013-14
544.27
365.73
99.80
810.20
547.93
Extent of
Unrated
Securities
2014-15
2013-14
Opening balance
810.20
544.27
Additions during the year
239.36
365.73
74.94
99.80
Closing balance
974.61
810.20
Total provisions held
717.49
547.93
Reductions during the year
* Including Exchange Difference

3.2.3.Sale and transfers of securities to/from HTM Category:
Particulars
2014-15
Value in excess of 5% of the book value of
Nil
investments held in HTM category at the
beginning of the year
2014-15 2013-14
{ddaU
df Ho$ ma^ o EMQ>rE loUr | aIo JE {Zdoe Ho$ ~{h ey`
ey`
y`/ Ho$ 5% go A{YH$ y`
61
2013-14
Nil
/ BANK OF INDIA

3.3 Derivatives
3.3 So>[ado{Q>d
3.3.1 dm`Xm Xa AZw~Y/`mO Xa dn
H$.
g.
{ddaU
H$.
g.
{ddaU
3.3.1 Forward Rate Agreement/ Interest Rate Swap
`Wm
`Wm
31.03.2015 31.03.2014
i)
dn AZw~Y H$s H$pnV yb am{e
17788.62 18,308.67
ii) g~{YV njm| mam H$ama Ho$ AVJV AnZo
552.01
148.06
Xm{`d ny{V Z {H$E OmZo Ho$ $bd$n hmoZo
dmbr hm{Z`m
iii) dn {H$`m AnZmZo na ~H$ mam Ano{jV dn Ho$ {bE gnm{H$ {V^y{V
gnm{H$ {V^y{V
H$s O$aV Zht h `moqH$
H$mCQ>a nmQ>u `m Vmo ~H$ AWdm
r{à H$mnm}aoQ> h
iv) dn go AmE Ho${S>Q> OmopI H$m gH|$U
df Ho$ XmamZ `mO Xa dn go
Cn$ F$U OmopI H$m H$moB
gHo$U Zht h&
v) dn ~hr H$m C{MV y`
557.02
87.98
3.3.2 {d{Z` `mnma `mO Xa So>[ado{Q>d
(i)
3.3.2 Exchange Traded Interest Rate Derivatives
`Wm
`Wm
31.03.2015 31.03.2014
df Ho$ XmamZ {bò Jò {d{Z` `mnma

0.00
`mO Xa So>[ado{Q>d H$s H$pnV yb am{e
(0.00)
({bpIV dma)
(ii) `Wm 31 mM H$mo ~H$m`m {d{Z` `mnma
0.00
`mO Xa So>{dao{Q>d H$s H$pnV yb am{e
(0.00)
({bpIV dma)
(iii) ~H$m`m {d{Z` `mnma `mO Xa So>[ado{Q>d
0.00
H$s H$pnV yb am{e Ama Omo C ^mdr
(0.00)
Zht hmo ({bpIV dma)
(iv) ~H$m`m {d{Z` `mnma `mO Xa So>[ado{Q>d
0.00
H$m mH$-Qy>-mH}$Q> y` Ama Omo C
(0.00)
^mdr Zht hmo ({bpIV dma)
3.3.3 So>[ado{Q>d | OmopI EgnmoOa na H$Q>Z
i. JwUmH$ H$Q>Z

Sr.
Particulars
As at
As at
No.
31.03.2015 31.03.2014
i)
The notional principal of swap
17788.62
18,308.67
agreements
ii)
Losses which would be incurred if
552.01
148.06
counterparties failed to fulfil their
obligations under the agreements
iii) Collateral required by the bank upon No
collaterals
were
entering into swaps
required for the swaps
as counterparties were
either banks or premier
Corporate.
iv) Concentration of credit risk arising There is no concentration
from the swaps
of credit risk arising from
the interest rate swaps
undertaken during the
year.
v)
The fair value of the swap book
557.02
87.98
Sr.
Particulars
No.
(i)
Notional principal amount of
exchange traded interest rate
derivatives undertaken during the
year (instrument-wise)
(ii) Notional principal amount of
derivatives outstanding as on 31st
March (instrument-wise)
(iii) Notional principal amount of
derivatives outstanding and not
highly effective (instrument-wise)
(iv) Mark-to-market value of exchange
traded interest rate derivatives
outstanding
and
not
highly
effective (instrument-wise)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
~H$ VwbZ n H$s AmpV`m| Ama Xo`VmAm| H$s {Vajm Ho$ {bE
AWdm H$mamo~mar Co`m| Ama JmhH$ O$aVm| H$mo nyam H$aZo Ho$
{bE S>o[ado{Q>d g{dXmE H$aVm h Ogo {H$ `mO-Xa AXbm~Xbr, wm AXbm-~Xbr Ama wm VWm nana boZ XoZ H$s
wm H$m {dH$n `m `mnma Ho$ Co` hoVw ò CnmX OmopI H$s
{Vajm, bmJV KQ>mZo VWm Eogo g`dhmam| go Am` ~T>mZo Ho$
{bE `moJ {H$E OmVo h& ~H$ Bg H$ma Ho$ `dhma | {Og
H$ma Ho$ OmopIm| H$m gmZm H$aVm h, do h F$U OmopI,
~mOma OmopI, n[aMmbZJV OmopI Am{X&
3.3.3.
As at
31.03.2015
As at
31.03.2014
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
Disclosures on risk exposure in derivatives
i.
Qualitative Disclosure
OmopI ~YZ ~H$ Ho$ H$mamo~ma ~YZ H$m EH$ hdnyU

^mJ h& OmopI H$s nhMmZ H$aZo Ama CZH$m {dbofU H$aZo,
gw{MV OmopI grmE {ZYm[aV H$aZo Ama CZ OmopIm| Ama
grmAm| H$s {ZaVa AmYma na AVZ ~YZ gyMZm Um{b`m|
Ho$ O[aE XoI-aoI H$aZo Ho$ {bE ~H$ Zo OmopI ~YZ Zr{V`m
V`ma H$s h& OmopI ~YZ Zr{V`m Ama wI {ZÙ grmE
62
The Bank enters into derivative contracts such as interest

rate swaps, currency swaps and currency options to
hedge on balance sheet assets and liabilities or to meet
client requirements as well as for trading purpose as per
policy approved by the Board. These products are used
for hedging risk, reducing cost and increasing the yield.
In such transactions the types of risks to which the bank
is exposed to, are credit risk, market risk, operational risk
etc.
Risk management is an integral part of banks business

management. Bank has risk management policies
designed to identify and analyse risks, to set appropriate
risk limits and to monitor these risks and limits on an
on-going basis by means of reliable and up to date
/ BANK OF INDIA

management information systems. The risk management
policies and major control limits are approved by the
Board of Directors and they are monitored and reviewed
regularly. The organization of the Bank is conducive to
managing risks. There is sufficient awareness of the
risks and the size of exposure of the trading activities in
derivative operations.
{ZXoeH$ S>b mam AZwmo{XV H$s JB h Ama CZH$s {Z`{V

AmYma na XoI-aoI VWm grjm H$s OmVr h& ~H$ H$m gJR>Z
OmopI Ho$ ~YZ | ghm`H$ ahm h& S>o[ado{Q>d n[aMmbZ |
`mnma {H$`m H$bmnm| Ho$ F$U OmopIm| H$s n`m OmZH$mar h&
A`j Ed ~Y {ZXoeH$ H$s A`jVm | ~H$ Ho$ {ZXoeH$m|
H$s OmopI ~YZ g{{V h&
{Vjm AXbm-~Xbr H$m boImH$Z CnM` Ho$ AmYma na {H$`m
OmVm h {gdm` AmpV VWm Xo`Vm Ho$ gmW A{^{hV AXbm~Xbr H$mo ~mOma y` AWdm bmJV/~mOma y` go H$ |
{b`m OmVm h& Eogo mbm| | AXbm-~Xbr H$s pW{V ~mOma
y`mo na hmoVr h Ama CgHo$ n[aUmd$n m bm^ AWdm
hm{Z H$mo A{^{hV AmpV Ama Xo`Vm Ho$ ~mOma y` Ho$ gmW
gm`moOZ Ho$ $n | [aH$mS> {H$`m OmEJm& A{^{hV AmpV
AWdm Xo`VmAm| na bm^ AWdm hm{Z | {V gVwbZ {XImò
OmZo na `mO Xam| H$s AXbm-~Xbr Ho$ bm^ AWdm hm{Z H$mo
{XIm`m OmEJm& BgH$m AW h `mO Xam| H$s AXbm-~Xbr
H$s gm{ na hE bm^ AWdm hm{Z AmWm{JV aIr OmEJr
Ama AXbm-~Xbr Ho$ eof ~Mo H$ama-Am`w AWdm AmpV/
Xo`Vm Ho$ eof Am`w na AnmH$m{bH$ {XIm`m OmEJm&
H$mamo~mar S>o[ado{Q>d H$s pW{V ~mOma y` na hmoVr h Ama
`{X H$moB hm{Z hmo, Vmo Cgo bm^-hm{Z ImVo | {XIm`m OmVm
h `{X H$moB bm^ hmo, Vmo {ZnQ>mZ {V{W go Zht {XIm`m OmVm
h& dn H$s gm{ na bm^ Ama hm{Z H$mo VH$mb Am` Ama
| [aH$mS> {H$`m OmVm h&
~H$ | d[a> Ama C ~YZ H$mo Amd{YH$ [anmoQ>m] H$mo VwV
H$aZo H$s C{MV n{V h BgHo$ gmW hr ^maVr` [aOd ~H$
mam Ano{jV/`m n[aMmbZ Amdm`H$VmZwgma {d{Z`mH$
m{YH$m[a`m| H$mo ^r [anmoQ> ôOr OmVr h& ~H$ Ho$ nmg {ZXoeH$
~moS> mam AZwmo{XV {d{^ nhbyAm| na n> S>o[ado{Q>d {Xem{ZX}e h& S>o[ado{Q>d boZ XoZ gdVu AmV[aH$, gm{d{YH$ Ama
{Z`mH$ boIm narjm Ho$ eVm} Ho$ A`YrZ h&
g`dhmam| Ho$ {Vnj ~H$ mW{H$ S>rba Ama r{à H$mnm}
aoQg BH$mB`m h& BZ| `dhma AZwmo{XV F$U OmopI grm
Ho$ AXa {H$`m OmVm h& ~H$ Zo `mO Xa Ed {dXoer {d{Z`
S>o[ado{Q>d boZ-XoZm| Ho$ H$maU Cn F$U OmopIm| Ho$ mnZ
Ho$ {bE ^maVr` [aOd ~H$ mam {ZYmaV dVmZ F$U OmopI
{d{Y AnZmB h& dVmZ F$U OmopI {d{Y | dVmZ F$U
OmopI Ama BZ g{dXmAm| Ho$ g^mdr AmJmr F$U OmopI H$m
OmoS> h&
dVmZ F$U EgnmoOa BZ g{dXmAm| Ho$ gH$mamH$ mH$-Qy>mH}$Q> y` H$m OmoS> h AWmV O~ ~H$ H$mo {Vnj go am{e
m H$aZr hmoVr h&
g^mdr AmJmr F$U OmopI H$m {ZYmaU BZ g{dXmAm| Ho$
H${VnV yb am{e, Mmho g{dXm H$m ey`, gH$mamH$ AWdm
ZH$mamH$ mH$-Qy>-mH}$Q> y` hmo, Ho$ gmW {ZZmZwgma
g~{YV ES>-AmZ Vdm| Ho$ AZwgma {bIV Ho$ eof n[an$Vm
Ama pdn H$m JwUm H$aHo$ m {H$`m OmEJm&
63
The Bank has a Risk Management Committee of Directors

presided over by the Chairman and Managing Director.
Hedging swaps are accounted for on an accrual basis

except for swap designated with an asset and liability that
is carried at market value or lower of cost/market value.
In such cases, the swaps are marked to market and the
resulting gain or loss is recorded as an adjustment to the
market value of the designated asset or liability. Gains or
losses on the termination of swaps are recognised when
the offsetting gain or loss is recognised on the designated
asset or liability. This implies that any gain or loss on the
terminated swap would be deferred and recognised over
the shorter of the remaining contracting life of the swap or
the remaining life of the asset/liability.
Trading derivative positions are marked to market (MTM)

and the resulting losses, if any, are recognised in the
profit and loss account. Profit, if any, are not recognised
on the settlement date. Gains or losses on termination of
swaps are recorded as immediate income or expenses.
Bank has a proper system of submitting periodical

reports to Senior and Top Management and Board as
well as regulatory authorities as required by RBI and/or
as per operational requirements. Bank has clearly spelt
derivative guidelines on various aspects approved by the
Board of Director.The derivative transactions are subject
to concurrent, internal, statutory and regulatory audits.
The counter parties to the transactions are banks, primary

dealers and corporate entities. The deals are done under
approved exposure limits. The Bank has adopted the
Current Exposure method prescribed by Reserve Bank
of India for measuring Credit Exposures arising on
account of interest rate and foreign exchange derivative
transactions. Current exposure method is the sum of
current credit exposure and potential future exposure of
these contracts.
The current credit exposure is the sum of positive mark to

market value of these contracts i.e. when the Bank has to
receive money from the counter party.
Potential future credit exposure is determined by

multiplying the notional principal amount of these
contracts irrespective of whether the contract has zero,
positive or negative mark to market value by the relevant
add-on factors as under according to the nature and
residual maturity of the instrument.
/ BANK OF INDIA

Residual Maturity
Ad{e> n[an$Vm
Hw$b AZwm{ZV yb am{e na bmJy

n[adVZH$maH$ Vd
`mO Xa g{dXm {d{Z` Xa g{dXm
EH$ df `m Cggo H$
0.50%
2.00%
EH$ df go A{YH$ nmM df VH$
1.00%
10.00%
nmM df go A{YH$
3.00%
15.00%
F$U OmopI H$s JUZm H$aVo g` {~H$sJV {dH$nmo H$mo dhm
N>moS> {X`m OmVm h Ohm H$ht r{` / ewH$ `m {H$gr ^r
$n | Am` m / dgybr hmoVr h&
^maVr` [aOd ~H$ Ho$ mOyXm {Xem{ZX}emZwgma Ho$ AZwgma
g{dXm Ho$ dVmZ ~mOma y` na F$U OmopI H$s JUZm H$s
OmVr ho& Bg na mZH$ loUr Ho$ F$U AmpV na bmJy mdYmZ
^r bmJy h& dVmZ | OmopI dmbr AmpV`m| na 0.4%
mdYmZ {H$`m OmZm h& hmao ImVm| | ~H$ Cn`w$ Ho$ AZwgma
Ano{jV mdYmZ H$aVo h&

ii. mmH$ H$Q>Z
H$.
g.
Conversion factor applied on Notional

Principal Amount.
Interest Rate
Exchange Rate
Contract
Contract
One year or less
0.50%
2.00%
Over one year to five years
1.00%
10.00%
Over five years
3.00%
15.00%
While computing the credit exposure, sold options are

excluded wherever the entire premium/fee or any other
form of income is received / realized.
As per the extant RBI guidelines credit exposures

computed as per the current Mark to Market value of
the contracts, also attracts provisioning requirement as
applicable to the loan assets in the Standard category,
of the concerned counterparty. At present the provision is
to be maintained at 0.4% of the risk weighted assets. The
Bank makes the requisite provision as aforesaid in the
books.
ii.
Quantitative Disclosures
Particulars
{ddaU
Currency
Derivatives
Sr.
No.
wm So>[ado{Q>d
So>[ado{Q>d (AZwm{ZV yb am{e)
Derivatives (Notional Principal Amount)
H$) hoqOJ hoVw
a) For hedging
I) H$mamo~ma hoVw
b) For trading
mH$S> Qy> mH}$Q>
Marked to Market Positions [1]
H$) AmpV (+)
`mOXa So>[ado{Q>d
Interest Rate
Derivatives
18627.06
(6461.74)
17588.61
(17431.58)
44312.28
(131059.06)
200.00
(876.87)
a) Asset (+)
123.19
(0.00)
720.77
(698.07)
I) Xo`Vm (-)
b) Liability (-)
-51.26
(95.68)
-132.76
(21.20)
Ho${S>Q> EgnmoOa (2)
Credit Exposure [2]
1993.82
(6279.92)
275.28
(360.26)
`mO Xa | EH$ {VeV Ho$ n[adVZ go hmoZo dmbm g^m`

^md (100*nrdr01)
Likely impact of one percentage change in interest

rate (100*PV01)
H$) hoqOJ So>[ado{Q>d na
a) On hedging derivatives
2.37
(1.69)
45.81
(67.43)
I) QoqS>J So>[ado{Q>d na
b) On trading derivatives
0.02
(0.01)
0.75
(-0.01)
df Ho$ XmamZ XoIr JB 100*nrdr01 H$s A{YH$V Ed

`yZV
Maximum & Minimum of 100*PV01 observed

during the year
H$) hoqOJ So>[ado{Q>d na
a) On hedging
2.43 1.81 79.34 45.81

(4.01) (1.69) (70.79) (67.53)
I) QoqS>J So>[ado{Q>d na
b) On trading
0.02 0.01
0.92
0.75
(0.01) (0.01) (0.01) (0.01)
64
A{Y.
Max.
`yZ.
Min.
A{Y.
Max.
`yZ.
Min.
/ BANK OF INDIA
3.4 AmpV JwUdmm

3.4.1 AZOH$ AmpV`m
(H$) AZOH$ A{J
3.4 Asset Quality

3.4.1 Non-Performing Assets
(a) Non performing Advances
Particulars
{ddaU
2014-15 2013-14
3.36%
2.00%
(i) {Zdb A{Jm| | go {Zdb EZnrE (%)
(ii) EZnrE (gH$b) H$m CVma-MT>md
11,868.60
8,765.25
H$) Ama{^H$ eof
16,651.47
8,810.91
I) df Ho$ XmamZ n[adYZ
6,326.83
5,707.56
J) df Ho$ XmamZ H$r
22,193.24 11,868.60
K) A{V eof
(iii) {Zdb EZnrE H$m CVma-MT>md
7,417.23
5,947.31
H$) Ama{^H$ eof
10,186.17
3,040.02
4,085.82
1,570.11
J) df Ho$ XmamZ H$r
13,517.57
7,417.22
K) A{V eof
(iv) EZnrE Ho$ {bE mdYmZm| H$m CVma-MT>md
(mZH$ AmpV`m| na mdYmZ H$mo N>moS>H$a)
3,564.31
1,958.88
H$) Ama{^H$ eof
6,327.37
4,522.15
I) df Ho$ XmamZ {H$E Jò mdYmZ
J) ~>o ImVo |/A{V[a$> mdYmZ H$m amBQ> ~H$$ 2,457.37 2,916.72
7,434.31
3,564.31
K) A{V eof

(i) Net NPAs to Net Advances (%)
2014-15
2013-14
3.36%
2.00%
a) Opening balance
11,868.60
8,765.25
b) Additions during the year
16,651.47
8,810.91
6,326.83
5,707.56
22,193.24
11,868.60
7,417.23
5,947.31
10,186.17
3,040.02
4,085.82
1,570.11
13,517.57
7,417.22
a) Opening balance
3,564.31
1,958.88
b) Provisions made during the year
6,327.37
4,522.15
c) Write-off/write-back of excess
provisions
2,457.37
2,916.72
d) Closing balance
7,434.31
3,564.31
(ii) Movement of NPAs (Gross)
c) Reductions during the year

d) Closing balance
(iii) Movement of Net NPAs
a) Opening balance
b) Additions during the year
c) Reductions during the year
d) Closing balance
(iv) Movement of provision for NPAs
(excluding provisions on standard assets)
(b) Non performing Investments
(I) AZOH$ {Zdoe

{ddaU
2014-15 2013-14
{Zdoe na {Zdb EZnrAmB (%)
0.21%
0.23%
(ii) EZnrAmB (gH$b) H$m dmh
H$) Ama{^H$ eof
810.21
544.27
239.36
365.73
J) df Ho$ XmamZ H$r
74.94
99.80
K) A{V eof
974.62
810.20
(iii) {Zdb EZnrAmB H$m CVma-MT>md
H$)Ama{^H$ eof
262.28
85.33
30.13
182.50
J) df Ho$ XmamZ H$r
35.28
5.55
K) A{V eof
257.13
262.28
(iv) EZnrAmB Ho$ {bE mdYmZm| H$m CVma-MT>md
H$) Ama{^H$ eof
547.92
458.94
I) df Ho$ XmamZ {H$E Jò mdYmZ
209.23
183.23
J) ~>o ImVo |/A{V[a$- mdYmZ H$mo amBQ> ~H$
39.66
94.25
K) A{V eof
717.49
547.92
Particulars
(i) Net NPIs to Net Investment (%)
(ii) {Zdb
2014-15
2013-14
0.21%
0.23%
(ii) Movement of NPIs (Gross)

a)
Opening balance
810.21
544.27
b)
239.36
365.73
c)
74.94
99.80
d)
Closing balance
974.62
810.20
262.28
85.33
(iii) Movement of Net NPIs

a)
Opening balance
b)
30.13
182.50
c)
35.28
5.55
d)
Closing balance
257.13
262.28
(iv) Movement of provision for NPIs
65
a)
Opening balance
547.92
458.94
b)
Provisions made during the

year
209.23
183.23
c)
Write-off/write-back of excess
provisions
39.66
94.25
d)
Closing balance
717.49
547.92
H$.g.
S r .
No
Outstanding
thereon
Provision
during the year
66
Outstanding
Outstanding
the FY
thereon
Provision
CZ na mdYmZ
standard
category during
Amount
~H$mm am{e
Borrowers
No. Of
CYmaH$VmAm|
H$s gm
thereon
Provision
CZ na mdYmZ
to restructured
Upgradations
{dmr df Ho$
XmamZ nwZJ{R>V
mZH$ dJ |
CZ
Borrowers
~H$mm am{e
restructuring
Amount
No. Of
Fresh
df Ho$ XmamZ VmOm CYmaH$VmAm|

nwZJ{R>V
H$s gm
(Opening Figure)
CZ na mdYmZ
Account As on
April 1 of FY
Amount
~H$mm am{e
Borrowers
No. Of
CYmaH$VmAm|
H$s gm
Restructured
{dmr df Ho$
Wm 1 Ab
H$mo nwZJR>rV
dmbo (ma{^H$
AmH$S>o)
`mao
Details
Assets Classification
AmpV`m| H$m {ddaU
Type of Restructuring
nwZJ{R>V ImVm| Ho$ H$ma
AdmZH$
108.84
(12.87)
32.96
(-12.87)
-36.55
-256.93
(-138.69)
386.25
(138.69)
-4
(-2)
4
(2)
19.11
(56.03)
73.73
(228.55)
455.62
(457.81)
1633.32
(2017.5)
5
(5)
10
(48.70)
(15)
(446.67)
424.23
1377.97
(1073.73)
4810.86
16
(7)
42
(56)
Substandard
(4951.96)
mZH$
Standard
hm{Z
Loss
Hw$b
Total
59
mZH$
Standard
g{XY
(0.0)
0.00
(0.0)
0.00
(0)
(0.0)
47.31
(0.0)
1213.84
(0)
(9.96)
1.96
(39.16)
632.08
(2)
Doubtful
0
(0.0)
0.00
(0.0)
0.00
(0)
(0.0)
0.00
(0.0)
0.00
(0)
(0.0)
0.00
(0.0)
0.00
(0)
(0.0)
-3.59
(0.0)
129.32
(0)
(284.58)
140.15
(2475.16)
3302.77
(20)
24
(505.33)
535.03
(6064.85)
6820.91
(65)
127
(0.0)
0.00
(0.0)
6.71
(0)
(14.99)
15.21
(542.01)
456.62
(86)
43
(1.17)
16.16
(385.92)
816.16
(71)
22
(4)
(0.0)
0.00
(0.0)
-6.51
(0)
-2
(6.61)
1.76
(127.17)
64.54
(9)
(0.0)
6.61
(11.71)
191.11
AdmZH$
Substandard
g{XY
(0.0)
0.00
(0.0)
0.00
(0)
(3.68)
-1.71
(35.80)
24.12
(2)
(0.0)
3.68
(1.35)
51.96
(1)
Doubtful
1
(0.0)
0.00
(0.0)
0.00
(0)
(0.00)
0.00
(0.0)
0.00
(0)
(0.0)
0.00
(0.0)
1.72
(0)
hm{Z
Loss
d{H$
Global
d{H$
Global
Under SME Debt Restructuring
EgEB F$U nwZJR>Z Ho$ VhV
Under CDR Mechanism
grS>rAma oHo${ZO Ho$ VhV
(b) Details of Loan assets subjected to restructuring during 2014-15
158
(0.0)
0.00
(0.0)
0.20
(0)
(25.28)
15.26
(704.98)
545.28
(97)
52
(1.17)
26.45
(398.98)
1060.95
(76)
Hw$b
Total
(0.10)
2.97
(1355.81)
63.92
(-1)
(103.40)
251.97
(2514.85)
7572.83
(19598)
17006
(250.57)
436.56
(11934.15)
7930.45
(15391)
28689
mZH$
Standard
(-0.10)
-3.16
(-9.24)
-65.77
(-3)
-4
(11.52)
29.02
(268.85)
888.61
(603)
204
(9.10)
25.19
(437.63)
750.97
(884)
1225
AdmZH$
Substandard
A`
(0.0)
-0.42
(0.0)
-10.58
(0)
-2
(11.56)
12.58
(137.58)
636.26
(118)
72
(4.25)
15.60
(179.17)
390.97
(275)
396
Doubtful
g{XY
d{H$
Global
Others
Particulars of Accounts Restructured (As compiled by the management and relied upon by the Auditors)
3.4.2
(H$) df 2014-15 Ho$ XmamZ nwZJR>Z H$s eV na F$U AmpV`m| Ho$ `mao (~YZ mam go{H$V)
nwZJ{R>V ImVm| Ho$ {ddaU (Ogm ~YZ mam go{H$V Ama boIm narjH$m| mam {Zâ)
3.4.2
1
(2)
(0.0)
0.00
(0.0)
0.00
(0)
(0.0)
0.24
(0.0)
11.25
(0)
(0.0)
0.00
(160.70)
190.69
hm{Z
Loss
(0.0)
-0.61
(1346.57)
-12.43
(-4)
(126.48)
293.81
(2921.28)
9108.95
(20319
17284
(263.92)
477.35
(12711.65)
9263.09
(16552)
30311
Hw$b
Total
(12.97)
35.93
(1494.50)
456.88
(1)
12
(346.94)
340.91
(5074.21)
9662.77
(19699)
17059
(698.41)
876.95
(17272.03)
13557.48
(15518)
28858
mZH$
Standard
(-12.97)
-39.71
(-147.93)
-329.21
(-5)
-10
(74.16)
49.89
(853.83)
1408.77
(617)
217
(57.80)
140.64
(1523.07)
2320.05
(895)
1263
AdmZH$
Substandard
(0.0)
-0.42
(0.0)
-10.58
(0)
-2
(15.24)
58.18
(173.38)
1874.22
(120)
82
(14.21)
21.24
(219.68)
1075.01
(278)
405
Doubtful
g{XY
d{H$
Global
Hw$b
Total
2
(2)
(0.0)
(0.0)
(0)
(0.00)
0.24
(0.0)
11.25
(0)
(0.0)
(160.70)
192.41
hm{Z
Loss
(0.0)
-4.20
(1346.57)
117.09
(-4)
(436.34)
449.22
(6101.42)
12957.01
(20436)
17360
(770.42)
1038.83
(19175.48)
17144.95
(16693)
30528
Hw$b
Total
(` H$amoS> |) (` in Crores)
/ BANK OF INDIA
H$.g.
S r .
No
67
the FY
accounts during
of restructured
Downgradations
{dmr df Ho$
XmamZ nwZJ{R>V
ImVm| H$m
S>mCZJoS>oeZ
next FY
beginning of the
advances at the
standard
as restructured
not be shown
and hence need
end of the FY
risk weight at the
/ or additional
provisioning and
attract higher
which cease to
advances
standard
Restructured
Eogo nwZJ{R>V
mZH$ A{J {OZ
na {dmr df H$s
gmpV na CV
mdYmZrH$aU
Ama / AWdm
A{V[aV Omo{I
^ma bJZm ~X h
Ama Bg{bE Ch|
AJbo {dmr
df H$s ma^ |
nwZJ{R>V mZH$
A[Jm| Ho$ $n
| XemZo H$s
AmdH$Vm
Zht h
`mao
thereon
Provision
CZ na mdYmZ
Outstanding
Amount
~H$mm am{e
Borrowers
No. Of
CYmaH$Vm A m|
H$s gm
thereon
Provision
CZ na mdYmZ
Outstanding
Amount
~H$mm am{e
Borrowers
No. Of
CYmaH VmAm|
H$s gm
Details
AmpV`m| H$m {ddaU
AdmZH$
6
(11)
0.00
(0.0)
0.00
(0.0)
0
(0)
Substandard
g{XY
hm{Z
Loss
-64.15
(-51.17)
Hw$b
Total
0
(0)
-9.41
(51.17)
11
(12)
7
(0)
0
(0)
0.00 0.00
(0.0) (0.0)
mZH$
Standard
47.92 0.00
(0.0) (0.0)
-39
(-16)
0.24
(0.05)
83.78
(4.30)
19
(9)
-25.64
(0.0)
-6.73
(-0.04)
124.29 -357.28
(0.0) (-74.17)
0
(0)
47.62
(141.63)
0.00 0.00
607.11
(0.0) (0.0) (1138.40)
0
(0)
Doubtful
-945.51
265.17 804.63 0.00
(-1015.59) (1015.59)
(0.0) (0.0)
-13
(-11)
47.62
(141.63)
607.11
(1138.40)
11
(12)
mZH$
Standard
g{XY
28
(1)
0.00
(0.0)
0.00
(0.0)
0
(0)
Doubtful
0
(1)
0.00
(0.0)
0.00
(0.0)
0
(0)
hm{Z
Loss
-5.44
(0.04)
9.21
(0.0)
0.00
(0.0)
98.66 268.39
0
(68.97) (3.51) (1.69)
11
(14)
0.00
(0.0)
0.00
(0.0)
0
(0)
AdmZH$
Substandard
Global
d{H$
Global
d{H$
Under CDR Mechanism
19
(9)
-4780
(-38)
16.24
(14.92)
653.49
(5147.07)
9053
(6255)
mZH$
Standard
-2.96
(0.0)
-85.80
(-13.37)
9.77 -1735.14
(0.0) (-460.45)
0
(0)
0.24
(0.05)
83.78
(4.30)
Hw$b
Total
g{XY
46
(1)
0.00
(0.0)
0.00
(0.0)
0
(0)
Doubtful
14.76
(13.36)
57.33
(0.1)
506.43 1506.02
(459.51)
(0.94)
4730
(37)
0.00
(0.00)
0.00
(0.0)
0
(6276)
AdmZH$
Substandard
d{H$
Global
A`
Others
9053
(0)
Hw$b
Total
0.03
(0.0)
35.01
(0.0)
4
(0)
0.0
(0.0)
-4832
(-65)
64.10
(156.60)
1344.38
(6289.77)
9083
(6276)
mZH$
Standard
4747
(62)
0
(0.0)
0
(0.0)
0
(0)
AdmZH$
Substandard
-13.68
(0.0)
-156.68
(-64.58)
-0.09
(64.57)
312.32 -3037.93
870.26
(0.0) (-1550.21) (1544.07)
0
(0)
16.24
(14.92)
0.00
653.49
(0.0) (5147.07)
0
(0)
hm{Z
Loss
114.46
(0.01)
2579.04
(4.45)
81
(2)
0
(0.0)
0
(0.0)
0
(0)
Doubtful
g{XY
d{H$
Global
Hw$b
Total
0.03
(0.0)
35.01
(1.69)
4
(1)
0
(0.0)
0
(0.0)
0
(0)
hm{Z
Loss
-42.28
(0.0)
446.38
(0.0)
0
(0)
64.10
(156.60)
1344.38
(6289.77)
9083
(0)
Hw$b
Total
/ BANK OF INDIA
H$.g.
S r .
No
(closing figures*)
FY
March 31 of the
Accounts as on
Restructured
{dmr df Ho$
Wm 31 mM
H$mo nwZJ{R>V
ImV| (boIm~Xr
AmH$S>o)
the FY
accounts during
restructured
Write-offs of
thereon
Provision
CZ na mdYmZ
Outstanding
Amount
~H$mm am{e
Borrowers
No. Of
CYmaH$Vm A m|
H$s gm
thereon
Provision
CZ na mdYmZ
Outstanding
Amount
~H$mm am{e
{dmr df Ho$
CYmaH$Vm A m|
XmamZ nwZJ{R>V
H$s gm
ImVm| H$mo ~o ImVo No. Of
Borrowers
| S>mbZm
`mao
Details
AmpV`m| H$m {ddaU
3
(9)
AdmZH$
4125.32
336.24
(424.23)
1
(2)
hm{Z
Loss
0
(0)
2018.47
(1)
16
59.93
(108.84)
95.23
(1.96)
(0.0)
0.00
(0.0)
0.00
(0)
1.96 0.00
(9.96) (0.0)
(1377.97) (632.08)
1423.17
17
(16)
22.06
(27.21)
29
(4810.86)
g{XY
Doubtful
Hw$b
Total
10
(14)
(535.03)
491.40
(6820.91)
7566.96
(59)
62
2106.93
(85.58)
418.66 632.08 0.00 2182.87

(245.75) (39.16) (0.0) (925.51)
6
(3)
Substandard
(42)
82.91
(48.41)
1132.13
(640.60)
mZH$
Standard
mZH$
Standard
(16.16)
23.64
(816.16)
757.93
(127)
102
0.76
(0.0)
80.50
(61.59)
12
(7)
(6.61)
2.93
(191.11)
325.08
(22)
37
0.00
(0.0)
22.72
(0.0)
2
(0)
AdmZH$
Substandard
(3.68)
11.18
(51.96)
343.32
(8)
37
0.00
(0.0)
1.15
(0.0)
0
(0)
Doubtful
g{XY
Global
(0.0)
0.00
(1.72)
1.72
(1)
0.00
(0.0)
0.00
(0.0)
0
(0)
hm{Z
Loss
d{H$
Global
d{H$
Under CDR Mechanism
14
(7)
(26.45)
37.75
(1060.95)
1428.05
(158)
177
0.76
(0.0)
104.37
(61.59)
Hw$b
Total
17
(6)
(436.56)
563.04
(7930.45)
12352.48
(28689)
31847
26.42
(12.25)
31.09
(227.17)
mZH$
Standard
(25.19)
57.15
(750.97)
1838.39
(1225)
6147
8.66
(7.22)
241.85
(293.85)
7
(8)
AdmZH$
Substandard
223.01
(1)
0
(0.0)
-13.94
(1.40)
0
(1)
hm{Z
Loss
(15.60)
80.74
(0.0)
0.27
(390.97) (190.69)
2423.41
(396)
509
4.35
(0.42)
34.22
(35.62)
3
(1)
Doubtful
g{XY
d{H$
Global
A`
Others
(477.35)
701.20
(9263.08)
16837.29
(30311)
38510
39.43
(19.89)
293.21
(558.04)
27
(16)
Hw$b
Total
(876.95)
922.92
(13557.47)
17235.74
(28858)
31978
110.09
(60.66)
1243.72
(929.36)
32
(22)
mZH$
Standard
(140.64)
120.01
(2320.05)
3586.64
(1263)
6201
30.72
(34.43)
683.23
(539.60)
15
(11)
AdmZH$
Substandard
187.15
(21.24)
51
(37)
Hw$b
Total
224.73
(2)
0
(0.0)
0.27
(0.00)
(1038.83)
1230.35
(17144.95)
25832.30
(30528)
38749
147.12
(105.47)
-13.94
2580.45
(1.40) (1545.14)
0
(1)
hm{Z
Loss
(1075.01) (192.41)
4785.19
(405)
562
6.31
(10.38)
667.45
(74.78)
4
(3)
Doubtful
g{XY
d{H$
Global
Hw$b
Total
/ BANK OF INDIA
68
/ BANK OF INDIA
3.4.3 AmpV nwZJR>Z Ho$ {bE {V^y{VH$aU/nwZJR>Z H$nZr H$mo ~oMr JB {dmr` 3.4.3.

AmpV`m| H$m `mam

A
H$.
Sr.
H$.
g.
{ddaU
2014-15 2013-14
ImVm| H$s g`m

20 217,061
ii Eggr/Amagr H$mo ~oMo JE ImVm| H$m Hw$b y` 1,847.29 2,331.52
(mdYmZm| H$mo KQ>mH$a)
iii hwb {V$b
1,809.24 2,628.57
iv {dJV dfm] | AV[aV ImVm| o dgyb {H$`m hAm
0
0.00
A{V[a$ {V$b
v {Zdb ~hr y` na Hw$b Am`/(hm{Z)
-38.05 297.05
I.$
H$.
g.
0.00
0.00
{ddaU
20
217,061
ii.
Aggregate value (net of provision) of

accounts sold to SC/RC
1,847.29
2,331.52
iii.
Aggregate consideration
1,809.24
2,628.57
iv.
Additional consideration realized in

respect of accounts transferred in earlier
years
0.00
v.
Aggregate gain/(loss) over net book value
-38.05
297.05
.
Particulars
Backed by NPAs
Backed by NPAs
sold by the Bank
sold by other
as underlying
Total
banks/financial
institutions/NBFC
2753.06
Book Value of
investments
in securities
receipts
882.13
2013-14
2014-15
2013-14
2014-15
2013-14
2753.06
882.13
0.00
0.00
2753.06
882.13
C. Profit from sale of NPA:

1
Profit booked in FY 2014-15 in

respect of sale of NPA
2014-15
2013-14
15.58 *
0.00
* includes ` 11.83 crores on account of Sale of NPA during FY 2013-14

3.4.4 Details of non-performing financial assets purchased/sold
(from/to other banks)
a)
Details of non-performing financial assets purchased:
Particulars
{ddaU
2014-15 2013-14
1 (H$) df Ho$ XmamZ IarXo JE ImVm| H$s g`m
ey`
ey`
(I) Hw$b ~H$m`m
ey`
ey`
2 (H$) BZ| go df Ho$ XmamZ {H$VZo ImVm| H$m nwZJR>Z
ey`
ey`
{H$`m J`m
(I) Hw$b ~H$m`m
ey`
ey`
I) ~oMr JB AZOH$ {dmr` AmpV`m| H$m `mam:
2014-15
Sr. No. Particular
2014-15 2013-14
EZnrE H$s {~H$s Ho$ g~Y | {dmrr` df 2014- 15.58*

0.00
15 | {H$`m J`m bm^
*
{dmr` df 2013-14 Ho$ XmamZ EZnrE H$s {~H$s Ho$ H$maU `11.83 H$amoS> nò
em{b h
3.4.4 IarXr JB/~oMr JB AZOH$ {dmr` AmpV`m| H$m `mam (A` ~H$m| go/H$mo)
H$) IarXr JB AZOH$ {dmr` AmpV`m| H$m `mam :
{ddaU
1. ~oMo JE ImVm| H$s g`m
2. Hw$b ~H$m`m
3. m Hw$b {V$b
2013-14
Number of accounts
2014-15
Hw$b
2014-15 2013-14 2014-15 2013-14 2014-15 2013-14
{V^y{V`m| H$s 2753.06 882.13

m{ | {Zdoe
H$m ~hr y`
J.$
EZnrE H$s {~H$s go bm^
Particulars
i.
EZnrE Ho$ gWZ go EZnrE Ho$ gWZ

~H$ mam AV{ZhrV
go Aò ~H$m|/
$n | ~oMm J`m {dmr` gWmH$Zm|/
EZ~rE$gr mam
~oMm J`m
No.
{ddaU
Details of financial assets sold to Securitisation/

Reconstruction Company for Asset Reconstruction
2014-15 2013-14
(a) No. of accounts purchased during the

year
NIL
NIL
(b) Aggregate outstanding
NIL
NIL
NIL
NIL
NIL
NIL
(a) Of these, number of

restructured during the year
accounts
(b) Aggregate outstanding
b)
Details of non-performing financial assets sold :
2014-15 2013-14
ey`
ey`
ey`
ey`
ey`
ey`
Particulars
69
2014-15
2013-14
1. No. of accounts sold
NIL
NIL
2. Aggregate outstanding
NIL
NIL
3. Aggregate consideration received
NIL
NIL
/ BANK OF INDIA

3.4.5.
3.4.5 mZH$ AmpV`m| na mdYmZ

`Wm
`Wm
31.03.2015 31.03.2014
mZH$ AmpV`m| Ho$ {bE mdYmZ (Ama~rAmB
2,373.50
1,984.32
Ho$ wVm{~H$)
(ii)
(iii)
(iv)
(v)
(vi)
31.03.2015 31.03.2014
AmgV H$mèrb {Z{Y`m| | `mO Am` H$m

{VeV
AmgV H$mèrb {Z{Y`m| | Ja-`mO Am`
H$m {VeV
AmgV H$mèrb {Z{Y`m| | n[aMmbZ bm^
H$m {VeV
AmpV`m| na {V$b
{V H$Mmar H$mamo~ma (Omam{e +A{J)
{V H$Mmar bm^
6.81%
7.19%
0.66%
0.81%
1.17%
1.60%
0.27%
20.69
0.037
0.51%
19.63
0.0628
1 {XZ
Day 1
(01/04/2015)
2 go 7 {XZ VH$ 8 go 14 {XZ

2 to 7
VH$
days
(02/04/2015)
to
(07/04/2015)
8 to 14
days
(08/04/2015)
to
(14/04/2015)
15 go 28 {XZ
VH$
15 to 28
days
(15/04/2015)
to
(28/04/2015)
29 {XZ go 3
hrZ| VH$
29 days
to 3
months
18,112.66
(18,488.49)
A{J
32,281.12
Advances
(30,207.12)
{Zdoe
155.29
Investments
(254.59)
CYma
458.52
Borrowings
(3,021.06)
{dXoer wm AmpV`m
3,189.74
Foreign
(3,521.57)
Currency
Deposits
Particulars
(i)
Interest Income as a percentage

to average Working Funds
6.81%
7.19%
(ii)
Non-interest income as a
percentage to average Working
Funds
0.66%
0.81%
(iii)
Operating Profit as a percentage

to average Working Funds
1.17%
1.60%
(iv)
Return on Assets
0.27%
0.51%
(v)
Business per employee(deposits

plus advances)
20.69
19.63
(vi)
Profit per employee
0.037
0.0628
Maturity pattern of certain items of assets and liabilities as on

31st March 2015
3 hrZmo go
A{YH$ Ed 6
hrZm| VH$
6 hrZm| go 1 df go A{YH$ 3 dfm] go 5 df go A{YH$

A{YH$ Ed 1 Ed 3 dfm] VH$ A{YH$ Ed 5 Over 5
years
Over 1
df VH$
dfm] VH$
(01/07/2015)
to
(30/09/2015)
(01/10/2015)
to
(31/03/2016)
Over 3
months &
(29/04/2015)
Upto 6
to
months
(30/06/2015)
Omam{e`m
31.03.2014
Sr.
No.
3.6. Asset Liability Management
3.6 AmpV Xo`Vm ~YZ

AmpV`m| Ed Xo`VmAm| H$s H${Vn` Xm| H$m n[an$Vm H$ma `Wm 31
mM, 2015 (~YZ mam go{H$V)
{ddaU
31.03.2015
3.5. Business Ratios
{ddaU
Details
As at
31.03.2014
1,984.32
Provisions towards Standard Assets

(in terms of RBI)
3.5 H$mamo~ma AZwnmV
(i)
As at
31.03.2015
2,373.50
Particulars
{ddaU
H$.
g.
Provisions on Standard Assets
Over 6
months
&upto
1 year
year &
upto
3 years
(01/04/2016)
to
(31/03/2018)
Over 3
years &
upto 5
years
Hw$b
Total
(1 to 10)
(After
31/03/2020)
(01/04/2018)
to
(31/03/2020)
13,706.78 9,288.04 36,887.25 79,294.73 72,329.84 56,696.76 70,994.66 55,937.27 118,658.65 531,906.63
(13,082.64) (7,116.69) (21,030.37) (55,135.84) (58,032.94) (64,150.65) (79,610.55) (57,074.20) (103,251.69) (476,974.07)
7,626.26 5,952.95 10,646.74 99,215.82 50,016.17 41,391.00 43,839.89 43,112.72 67,942.90 402,025.55
(8,145.03) (3,790.76) (11,524.08) (84,227.56) (40,658.84) (32,539.01) (46,488.93) (37,348.39) (75,803.82) (370,733.53)
295.47
90.82
771.70
2,772.68
1,318.43
1,433.71 20,128.57 24,740.09 68,085.28 119,792.05
(38.84) (372.23) (2,151.76) (4,737.65) (2,295.76) (1,676.28) (13,510.39) (22,095.68) (67,019.26) (114,152.44)
5,110.01 1,379.33
2,119.90
6,705.00
6,717.61
3,221.77
3,965.52 10,379.02
0.46
40,057.13
(7,155.43) (430.84) (2,525.77) (2,034.56) (9,586.29)
(820.42) (7,985.38) (3,949.30) (10,918.47) (48,427.52)
5,478.63 3,981.09
7,340.12 30,964.76 21,341.57 20,452.88 22,742.64 15,644.83
5,920.10 137,056.37
(7,687.08) (2,315.00) (8,152.94) (29,619.24) (18,378.40) (16,906.47) (21,839.48) (8,383.52) (11,692.36) (128,496.06)
Assets
{dXoer wm Xo`VmE
Foreign
Currency
Liabilities
4,802.01 7,532.77 6,063.42 10,596.01 52,001.86 41,213.56 38,223.70

9,800.79
(6,143.80) (9,972.74) (3,524.75) (10,954.33) (29,993.76) (32,583.40) (32,175.04) (22,201.03)
70
3,124.04
(4,634.23)
1,166.43 174,524.58
(4,519.25) (156,702.53)
/ BANK OF INDIA
3.7 EgnmoOa
3.7.1 [a`b BQ>oQ> jo hoVw EgnmoOa
H$.
dJ
g.
E) `j EgnmoOa
3.7. Exposures
3.7.1. Exposure to Real Estate Sector
Sr.
No.
`Wm
`Wm
31.03.2015 31.03.2014
35,010.19 27,321.63
a)
Category
As at
31.03.2015
Direct exposure
As at
31.03.2014
35010.19
27,321.63
i)
Amdmgr` ~YH$
24,370.20
19,914.79
Residential Mortgages
24,370.20
19,914.79
12,668.53
10,940.66
Out of which Priority Sector

housing loans
12,668.53
10,940.66
ii)
{Og| go mW{H$Vm m jo Ho$ Jh

F$U
`dgm{`H$ [a`b BQ>oQ>
10,639.99
7,406.84
Commercial Real Estate
10,639.99
7,406.84
{Jadr aIr J`r {V^y{V`m|

(E~rEg) Ama A` {V^y{V
EgnmoOa | {Zdoe
H$) Amdmgr`
Investments in Mortgage
Backed Securities (MBS) and
other securitised Exposures
00
a)
b)
00
00
0
00
I) `dgm{`H$ [a`b BQ>oQ>
00
00
~r) A`j EgnmoOa
12,501.18
9,866.15
Indirect Exposure
12,501.18
9,866.15
ZoeZb hmCqgJ ~H$ (EZEM~r) Ama

hmCqgJ $mBZ|g H$nZr (EME$gr) na
{Z{Y AmYm[aV Ed Ja {Z{Y AmYm[aV
EgnmoOa
[a`b BQ>oQ> goQ>a hoVw Hw$b EgnmoOa
12,501.18
9,866.15
Fund based and non-fund based

exposures on National Housing
Bank (NHB) and Housing Finance
Companies (HFCs)
12,501.18
9,866.15
47511.37
37,187.78
47511.37
37,187.78
iii)
3.7.2
H$.
g.
i)
ii)
iii)
iv)
B{$Q>r eoà, n[adVZr` ~mS>, n[adVZr`

{S>~|Ma VWm B{$Q>r A{^wI `yMwAb $S>
| {Zdoe {OZH$s AmYma^yV {Z{Y Ho$db
H$mnm}aoQ> F$U | `j {Zdoe Zht {H$`m J`m;
eoàm|/~mS>m|/{S>~|Mam|/A`
{V^y{V`m|
Ho$ gj `m ~oOmZVr AmYma na `{$`m|
H$mo eoàm|(AmBnrAmo/BEgAmonrEg g{hV)
n[adVZr` ~mS>/ n[adVZr` {S>~|Ma Ama
B{$Q>r CwI `yMwAb $S>m| H$s `y{ZQ>m| |
{Zdoe Ho$ {bE A{J;
A` `moOZm| Ho$ {bE A{J, Ohm eoàm| `m
n[adVZr` ~mS>m| `m n[adVZr` {S>~|Mam| `m
B{$Q>r CwI `yMwAb $S>m| H$s `y{ZQ> H$mo
mW{H$ {V^y{V Ho$ $n | {b`m J`m h;
eoàm| `m n[adVZr` ~mS>m| `m n[adVZr`
{S>~|Mam| `m B{$Q>r CwI `yMwAb $S>m|
H$s `w{ZQ>m| H$s gnm{H$ {V^y{V mam {V^yV
grm VH$, AWmV Ohm yb^yV {V^y{V
eoàm|/ n[adVZr` ~mS>m|/ n[adVZr`
{S>~|Mam|/ B{$Q>r CwI `yMwAb $S>m| H$s
`y{ZQ>m| Ho$ Abmdm nyUV`m A{Jm| H$mo H$da
Zht H$aVr h, {H$ht A` `moOZm| Ho$ {bE
A{J;
Total exposure to Real Estate Sector

3.7.2.
nyOr ~mOma hoVw EgnmoOa

dJ
b)
2014-15
2013-14
910.47
721.58
14.22
23.53
12.17
23.31
210.80
228.59
Residential
Commercial Real
Estate
Sr.
No
i)
ii)
iii)
iv)
71
Exposure to Capital Market

Category
Direct investment in equity shares,
convertible
bonds,
convertible
debentures and units of equity-oriented
mutual funds the corpus of which is not
exclusively invested in corporate debt;
Advances
against
shares/bonds/
debentures or other securities or
on clean basis to individuals for
investment in shares (including
IPOs/ ESOPs), convertible bonds,
convertible debentures, and units of
equity-oriented mutual funds;
Advances for any other purposes
where shares or convertible bonds
or convertible debentures or units of
equity oriented mutual funds are taken
as primary security;
Advances for any other purposes to
the extent secured by the collateral
security of shares or convertible bonds
or convertible debentures or units
of equity oriented mutual funds i.e.
where the primary security other than
shares/convertible bonds/convertible
debentures/units of equity oriented
mutual funds does not fully cover the
advances;
2014-15
2013-14
910.47
721.58
14.22
23.53
12.17
23.31
210.80
228.59
/ BANK OF INDIA
H$.
g.
v)
vi)
vii)
viii)
ix)
x)
dJ
2014-15
Q>mH$ ~moH$am| H$mo OmZVr Ed Ja OmZVr 2,569.35 2,344.97

A{J Ed Q>mH$ ~moH$am| VWm ~mOma {ZYmaH$m|
H$s Amoa go Omar Jma{Q>`m;
ggmYZm| H$s d{ H$s `mem | ZB H$n{Z`m|
0.00
0.00
H$s B{$Q>r Ho$ {bE dVH$m| Ho$ AeXmZ H$mo
nyam H$aZo Ho$ {bE eoàm|/~mS>m|/ {S>~|Mam|
H$s {V^y{V `m A` {V^y{V`m| Ho$ gj `m
~oOmZVr AmYma na H$n{Z`m| Ho$ {bE drH$V
F$U;
Ano{jV B{$Q>r dmh/{ZJm| Ho$ gj
0.00
0.00
H$n{Z`m| Ho$ {bE nyaH$ F$U;
eoàm| `m n[adVZr` ~mS>m| `m n[adVZr`
0.00
0.00
{S>~|Mam| `m B{$Q>r CwI `wMwAb $S>m| Ho$
mW{H$ {ZJ Ho$ g~Y | H$s JB hmrXmar
{V~VmE;
m{OZ `dgm` hoVw Q>mH$ ~moH$am| Ho$ {bE
0.00
0.00
{dmnmofU;
C Ho$ {bE nyOr {Z{Y hoVw g^r {Zdoem|
592.18
483.21
(nOrH$V Ama AnOrH$V XmoZm|)H$mo B{$Q>r Ho$
~am~a mZm OmEJm Ama Bg H$ma nyOr ~mOma
{Zdoe grm(`j Ama A`j XmoZm|)Ho$
AZwgma JUZm H$s OmEJr&
nyOr ~mOma | Hw$b EgnmoOa
4,309.19 3,825.19
3.7.3 OmopI dJ dma Xoe H$m EgnmoOa
H$. OmopI dJ
g.
1
2
3
4
5
6
7
H$
g.
Sr.
No
2013-14
`Wm {XZmH$ 31.03.2014
EgnmoOa
({Zdb)
EgnmoOa
({Zdb)
Secured and unsecured advances to

stockbrokers and guarantees issued
on behalf of stockbrokers and market
makers;
2,569.35
2,344.97
vi)
Loans sanctioned to corporates

against the security of shares/bonds/
debentures or other securities or on
clean basis for meeting promoters
contribution to the equity of new
Companies in anticipation of raising
resources;
0.00
0.00
vii)
Bridge loans to Companies against

expected equity flows/issues;
0.00
0.00
viii)
Underwriting commitments taken up

by the banks in respect of primary
issue of shares or convertible bonds
or convertible debentures or units of
equity oriented mutual funds;
0.00
0.00
ix)
Financing to stockbrokers for margin

trading;
0.00
0.00
x)
All exposures to Venture Capital

Funds (both registered and
592.18
483.21
4,309.19
3,825.19
Total Exposure to Capital Market
Ym[aV
mdYmZ
Risk Category wise Country Exposure
Sr.
No.
Risk
Category
Insignificant
65,483.08
72.96
38,118.03
54.45
Low
32,375.71
20.81
12,887.37
15.72
Moderate
3,510.95
0.00
5,285.58
0.00
High
1,282.68
0.00
285.87
0.00
Very High
111.13
0.00
570.92
0.00
Restricted
0.36
0.00
0.00
0.00
Off credit
12.68
0.00
46.01
0.00
1,02,776.61
93.76
57,193.78
70.17
Total
As at 31.03.2015
Exposure Provision
(Net)
held
As at 31.03.2014
Exposure Provision
(Net)
held
3.7.4. Details of Single Borrower Limit (SBL), Group Borrower

Limit (GBL) exceeded by the Bank as on 31st March, 2015:
Sr.
No.
EgnmoOa drH$V grm

`Wm
grm
31.03.2015
H$mo ~H$m`m
1. EH$b CYmaH$Vm
Hw$N> Zht
ey`
ey`
ey`
2. gmy{hH$ CYmaH$Vm
Hw$N> Zht
ey`
ey`
ey`
EEgnrOrgr na Eg>nmoOa, Ama~rAmB mam ~H$m| H$mo {XE {ddoH$m{YH$ma
Ho$ AVJV h& ({ddoH$nyU grmAm| Ho$ D$na, nyOrJV {Z{Y`m| H$m 5%)
2013-14
unregistered)
65,483.08
72.96 38,118.03
54.45
ZJ`
32,375.71
20.81 12,887.37
15.72
`yZ
3,510.95
0.00
5,285.58
0.00
gmYmaU
1,282.68
0.00
285.87
0.00
C
111.13
0.00
570.92
0.00
~hV C
0.36
0.00
0.00
0.00
{V~{YV
12.68
0.00
46.01
0.00
Am$ Ho${S>Q>
1,02,776.61
93.76
57,193.78
70.17
Hw$b
3.7.4 `Wm 31 mM, 2015 ~H$ mam ~T>mB JB EH$b CYmaH$Vm grm
(Eg~rEb), gmy{hH$ CYmaH$Vm grm (Or~rEb) Ho$ `mao
CYmaH$Vm H$m Zm
2014-15
v)
3.7.3.
`Wm {XZmH$ 31.03.2015

Ym[aV
mdYmZ
Category
1.
Name of the
Borrower
Single Borrower
None
2.
72
NIL
NIL
NIL
NIL
NIL
NIL
Group Borrower
None
Exposure
Limit
Outstanding as
Ceiling Sanctioned on 31.03.2015
Exposure on MSPGC is within the discretion given to Banks by RBI

(additional 5% of capital funds, over prudential limits)
/ BANK OF INDIA
H$
g.
`Wm 31 mM, 2015 ~H$ mam ~T>mB JB EH$b CYmaH$Vm grm (Eg~rEb),
gmy{hH$ CYmaH$Vm grm (Or~rEb) Ho$ `mao
(` H$amoS> |)
CYmaH$Vm H$m Zm
(` in Crore)
Sr.
No.
EgnmoOa drH$V grm

`Wm
grm
31.03.2015
H$mo ~H$m`m
1. EH$b CYmaH$Vm
EbAmBgr hmCqgJ $m`Zmg {b. 3,093.43 3,718.00
hmam> Q>oQ> nmda OZaoeZ 6,186.86 5,000.00
H$nZr (EEgnrOrgr)
2. gmy{hH$ CYmaH$Vm
Hw$N> Zht
ey`
ey`
1.
2,099.08
1,806.93
2.
ey`
ZmoQ>: H$Q>Z ha mh Ho$ AV | ~H$m`m pW{V H$s ~H$ mam {ZJamZr na AmYm[aV
h& òH$ mh Ho$ AV | g^r CYmaH$Vm gyh na ~H$ H$m EnmoOa {ddoH$nyU
mZXS>m| Ho$ AVJV Wm&
3.7.5 Ja-OmZVr A{J :
Exposure
Limit
Outstanding as
Ceiling Sanctioned on 31.03.2015
Single Borrower
LIC Housing
Finance Ltd.
3,093.43
3,718.00
2,099.08
Maharashtra State
Power Generation
Company (MSPGC)
6,186.86
5,000.00
1,806.93
Group Borrower
NIL
NIL
NIL
Note: Disclosure is based on monitoring by the Bank of outstanding at

the end of each month. Exposures on all Borrower groups were within the
prudential norms at the end of each month.
3.7.5. Unsecured Advances:
Particulars
2014-15
2013-14
Total amount of advances outstanding against

charge over intangible securities such as the
rights, licenses, authority, etc.
2,203.04
2,143.74
Estimated value of such intangible collateral

securities
2,154.53
1,721.93
3.8. Miscellaneous
3.8.1. Amount of Provisions made for Income-tax during the year
(` H$amoS> |)
{ddaU
Am`H$a Ho$ {bE mdYmZ
2014-15 2013-14
989.48
(27.71)
AmW{JV H$a Ho$ {bE mdYmZ
(903.35)
843.49
86.13
815.78
Hw$b
Name of the
Borrower
None
{ddaU
2014-15 2013-14
AyV {V^y{V`m Ogo A{YH$ma, bmBgog, m{YH$ma 2,203.04 2,143.74
Am{X Ho$ ^ma na ~H$m`m A{J H$s Hw$b am{e
Eogr AyV gnm{H$ {V^y{V H$m AZwm{ZV y
2,154.53 1,721.93
3.8. {d{dY

3.8.1 df Ho$ XmamZ Am`H$a hoVw {H$E mdYmZ H$s am{e

Details of Single Borrower Limit (SBL), Group Borrower Limit

(GBL) exceeded by the Bank as on 31st March, 2015:
3.9.2 ^maVr` [aOd ~H$ mam bJm`r JB empV`m| (noZQ>rO) H$m H$Q>Z
(` in Crore)
Particulars
Provision for Income Tax
Provision for Deferred Tax
Total
2014-15
2013-14
989.48
(27.71)
(903.35)
843.49
86.13
815.78
2014-15
2013-14
0.18
3.11
3.8.2. Disclosures of Penalties imposed by RBI

Particulars
{ddaU
2014-15 2013-14
^maVr` [aOd ~H$ mam ~qH$J {d{Z` A{Y{Z`,
0.18
3.11
1949 H$s Ymam 46(4) Ho$ AVJV bJmB JB empV`m
(noZQ>r)
Penalty imposed under Section 46(4) of The

Banking Regulation Act, 1949
73
/ BANK OF INDIA
4. boImH$Z mZH$m| Ho$ AZwgma Ano{jV H$Q>Z Ohm ^maVr` [aOd ~H$ Zo boIo na
{Q>n`{U`m| Ho$ H$Q>Z Xm| Ho$ {df` na {Xem{ZX}e Omar {H$E h:
4.1 boImH$Z mZH$ 17 IS> [anmo{Q>J
^mJ H$: H$mamo~ma IS>
(` H$amoS> |)
H$mamo~ma IS>
H$mofmJma n[aMmbZ
Business Segment
4. Extracts of disclosures as per Accounting Standards (AS)

where RBI has issued guidelines in respect of disclosure items
for Notes to Accounts:

4.1 Accounting Standard 17 - Segment Reporting

Part A: Business Segment
(` in Crore)
WmoH$ ~qH$J n[aMmbZ
Treasury Operations
IwXam ~qH$J n[aMmbZ
Wholesale Banking
Operations
(*)A ~qH$J n[aMmbZ

(*)Other Banking
Operations
Retail Banking
Operations
Hw$b
Total
2014-15 2013-14 2014-15 2013-14 2014-15 2013-14 2014-15 2013-14 2014-15 2013-14
--- 47,645.86 41,859.86
12,921.95 11,726.47 21,934.90 20,015.28 12,789.01 10,118.11
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
140.50
410.24
amOd
Revenue
Ja-Am~{Q>V amOd
Unallocated revenue
AVa IS> amOd
Inter segment revenue
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
(123.75)
(68.16)
Hw$b amOd
Total Revenue
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
47,662.61
42,201.94
n[aUm
Results
1,509.96
1,628.42
750.07
1,270.32
131.79
932.01
0.00
0.00
2,391.82
3,830.75
Ja-Am~{Q>V ``
Unallocated Expenses
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
(596.76)
(285.70)
n[aMmbZ bm^
Operating Profit
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1,795.05
3,545.05
Am`H$a
Income Tax
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
86.13
815.78
AgmYmaU bm^/hm{Z
Extraordinary profit/
loss
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
0.00
0.00
{Zdb bm^ /hm{Z
Net Profit / (Loss)
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1,708.92
2,729.27
A` OmZH$mar :
Other Information :
IS> AmpV`m
Segment Assets
1,86,936.02 1,70,672.91 3,17,373.16 2,92,639.52
99,965.15
95,416.11
0.00
JaAm~{Q>V AmpV`m
Unallocated Assets
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
Hw$b AmpV`m
Total Assets
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
IS> Xo`VmE
Segment Liabilities
1,79,582.90 1,63,891.74 3,04,581.81 2,80,858.89
96,273.30
91,732.99
0.00
Ja Am~{Q>V Xo`VmE
Unallocated Liabilities
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
Hw$b Xo`VmE
Total Liabilities
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
0.00 6,04,274.33 5,58,728.54
Geographical Segments
Revenue
Assets
6,813.01
6,783.49
5,87,251.02 5,43,267.11
Part B: Geographical Segment

(Amount in ` Crore)
dXoer
Domestic
Particulars
6,18,697.75 5,73,190.20
0.00 5,80,438.01 5,36,483.62
(am{e ` H$amoS> |)
{ddaU
amOd
AmpV`m
14,461.66
(*) The Bank does not have any significant Other Banking Operations.
ZmoQ> : ~H$ H$m H$moB ""A hdnyU ~qH$J n[aMmbZ'' Zht h&
^mJ I : ^mJmo{bH$ IS>
^mJmo{bH$ IS
14,423.42
AVam>r`
International
Hw$b
Total
2014-15
2013-14
2014-15
2013-14
2014-15
2013-14
42650.53 37,846.29
5012.08
4,355.65 47662.61 42,201.94
455336.49 424,993.29 163361.27 148,196.91 618697.76 573,190.20
~H$ Zo boImH$Z mZH$ (EEg) 17 Ho$ AZwnmbZ | ^maVr` [aOd ~H$ Ho$
{Xem{ZX}em| Ho$ AZw$n H$mamo~mar IS> H$mo mW{H$ [anmo{Q>J IS> Ama ^mJmo{bH$
IS> H$mo JmU IS> Ho$ $n | m`Vm Xr h&
i) mW{H$ IS> : H$mamo~mar IS>
H$) H$mofmJma n[aMmbZ : IS> [anmo{Q>J Ho$ Co` hoVw H$mofmJma | gnyU {Zdoe
g{d^mJ em{b h Ogo gaH$mar VWm A` {V^y{V`m, wm ~mOma
n[aMmbZ VWm $maog
The Bank has recognised Business Segments as Primary reporting

segment and Geographical Segments as Secondary segment in line
with RBI guidelines in compliance with Accounting Standard 17.
i)
Primary Segment: Business Segments

a) Treasury Operations: Treasury for the purpose of Segment
Reporting includes the entire investment portfolio i.e. dealing in
Government and other Securities, Money Market Operations
and Forex Operations.
74
/ BANK OF INDIA
I) WmoH$ ~qH$J : WmoH$ ~qH$J | dh g^r A{J gp{bV h Omo IwXam ~qH$J
Ho$ AVJV gp{bV Zht {H$E JE h&
J) IwXam ~qH$J : IwXam ~qH$J | dh {Zdoe gp{bV h Omo {ZZ{bpIV Xmo
mZXS>m| H$mo nyU H$aVo h :
i) EgnmoOa : A{YH$V Hw$b EgnmoOa ` 5 H$amoS> VH$&
ii) Hw$b dm{fH$ Q>ZAmoda ` 50 H$amoS> go H$ AWmV mOyXm H$n{Z`m|
Ho$ mbo | {dJV 3 dfm] H$m AmgV Q>ZAmoda Ama ZB H$n{Z`m|
Ho$ {bE nydmZwm{ZV Q>ZAmoda h&
K) AVa IS>r` AVaUm| H$m y` {ZYmaU
IwXam ~qH$J IS> EH$ mW{H$ moV gJh BH$mB h Ed WmoH$ IS> Ama
H$mofmJma IS>, IwXam ~qH$J IS> H$mo CgHo$ mam CYma Xr JB {Z{Y`m|
H$s j{Vny{V Omam{e`m| H$s AmgV bmJV H$mo {>JV aIVo hE H$aVo h&
L) bmJV H$m {d{Z`moOZ
H$)- {deof IS> H$moo grYo XmZ {H$E JE ``m| H$mo g~{YV IS> |
{d{Z`mo{OV {H$`m J`m h&
I)- {deof IS> H$mo grYo Z XmZ {H$E JE ``m| H$mo H$Mm[a`m|/
gMm{bV H$mamo~ma H$s g`m Ho$ AZwnmV | {d{Z`mo{OV {H$`m
J`m h&
ii) JmU IS> : ^mJmo{bH$ IS>
H$) dXoer n[aMmbZ
I) AVam>r` n[aMmbZ
4.4 boImH$Z mZH$ 18 g`dhmam| go g~{YV njH$ma : ~YZ mam gH${bV VWm
boIm narjH$m| mam {ddmg {H$`m J`m
I) g~{YV njH$mam| H$s gyMr
(H$) w` ~YH$s` H$m{H$ :
A`j Ed ~Y {ZXoeH$ : lrVr dr.Ama. Aà
H$m`nmbH$ {ZXoeH$ JU : lr ~r.nr. em
lr A$U lrdmVd
(05.08.2013 go)
lr Ama H$moQ>rdaZ
(05.08.2013 go
31.12.2014 VH$ )
lr Ama.nr.amR>o
(10.03.2015 go )
(I) AZwf{J`m :
(i) ~rAmoAmB eoàhmopS>J {b{Q>oS>
(ii) ~rAmoAmB EEgE BZdoQ>|Q> ZOg mBdoQ> {b.
(iii) ~rAmoAmB EEgE QQ>r g{dgoO mBdoQ> {b.
(iv) ~rAmoAmB MQ> ~H$g {b. (31.10.2014 go)
(v) nrQ>r ~H$ Am$ B{S>`m BS>moZo{e`m Q>r~rHo$
(vi) ~H$ Am$ B{S>`m (VOm{Z`m) {b.
(vii) ~H$ Am$ B{S>`m (`yOtbS>) {b.
(viii) ~H$ Am$ B{S>`m (`wJmS>m) {b.
(ix) ~H$ Am$ B{S>`m (~modmZm) {b
b) Wholesale Banking: Wholesale Banking includes all advances

which are not included under Retail Banking.
c)
Retail Banking : Retail Banking includes exposures which fulfil

following two criteria:
i)
Exposure The maximum aggregate exposure up to ` 5

Crores.
ii) The total annual turnover is less than `50 Crores i.e. the
average turnover of the last three years in case of existing
entities and projected turnover in case of new entities.
Pricing of Inter-Segmental transfers

Retail Banking Segment is a Primary resource mobilising unit

and Wholesale Segment and Treasury Segment compensates
the Retail banking segment for funds lent by it to them taking
into consideration the average cost of deposits incurred by it.
Allocation of Costs
a) Expenses directly attributed to particular segment are
allocated to the relative segment.
b) Expenses not directly attributable to specific segment are
allocated in proportion to number of employees/business
managed.
Secondary Segment: Geographical Segments
a) Domestic Operations
b) International Operations
4.4. Accounting Standard 18- Related Party Transactions (As

compiled by Management):
i)
List of Related Parties
(a)
Key Managerial Personnel
Chairperson &Managing Director : Smt. V.R.Iyer
Executive Directors: Shri B.P.Sharma

(w.e.f. 05.08.2013)

Shri Koteeshwaran
(w.e.f. 05.08.2013 to
31.12.2014)
Shri R.P. Marathe
(w.e.f.10.03.2015)

75
b) Subsidiaries :

(i) BOI Shareholding Limited.
(ii) BOI AXA Investment Managers Private Limited
(iii) BOI AXA Trustee Services Private Limited
(iv) BOI Merchant Bankers Ltd.(w.e.f. from 31.10.2014)
(v) PT Bank of India Indonesia Tbk
(vi) Bank of India (Tanzania) Limited
(vii) Bank of India (New Zealand) Limited
(viii) Bank of India (Uganda) Limited
(ix) Bank of India (Botswana) Limited
/ BANK OF INDIA

(J) ghm`H$ H$n{Z`m :

(i) EgQ>rgrAmB $mBZg {b{Q>oS>
(ii) EEgAmaBgr (B{S>`m) {b.
(iii) BS>mo-Omp~`m ~H$ {b.
(iv) ~H$ mamm`mo{OV 4 jor` JmrU ~H$
(H$) Am`mdV jor` JmrU ~H$ (nhbo Am`mdV JmrU ~|H$ Ho$
$n | OmZm OmVm Wm)
(I) PmaIS> JmrU ~H$
(J) ZXm Pm~wAm JmrU ~H$
(K) {dX^ H$m|H$U JmrU ~H$
(K) g`w$ C
(i) Q>ma `y{Z`Z XmB BMr OrdZ ~rm H$nZr {b.
II) H$) g~{YV njH$mam| Ho$ gmW g`dhma
(`Wm ~YZ mam `Wm go{H$V Ed boImnarjH$mo Xdmam {Zâ)
(` H$amoS> |)
H$.
g.
X|/ g~{YV nj
Items/Related Party
(i)
(ii) ASREC (India) Limited
STCI Finance Limited
(iii) Indo-Zambia Bank Limited
(iv) 4 Regional Rural Banks sponsored by the Bank

(a) Gramin Bank of Aryavart (Formerly known as

AryavartKshetriyaGramin Bank)
(b) Jharkhand Gramin Bank;
(c) Narmada JhabuaGramin Bank
(d) VidharbhaKonkanGramin Bank
(d) Joint Venture:

(i)
Star Union DaiIchiLife Insurance Co. Ltd.
II) a) Transactions with Related Parties

(As compiled by Management and relied upon by the Auditors)

(Amount in ` Crore)
ghm`H$ H$n{Z`m/
g`w$ C
wI ~YZ H$m{H$ wI ~YZ H$m{H$m|

Ho$ [aVoXma
Key Management
Hw$b
Total
Relatives of Key
Management
Personnel
2014-15 2013-14 2014-15 2013-14 2014-15 2013-14 2014-15 2013-14
df 2014-15 Ho$ XmamZ g`ddhma
Transactions during the

year 2014-15
1
2
3
4
5
Interest received
Associates/Joint
Ventures
Sr.
No.
(c) Associates :
m mO
XV mO
bm^me
A Am
gaH$mar {V^y{V`m|/QoOar {~bm|
H$s {~H$s
gaH$mar {V^y{V`m|/QoOar {~bm|
H$s IarX
H$mnm}aoQ> ~mS> Ama A` wm
~mOma CnH$aUm| H$s IarX
Personnel
23.66
11.79
23.66
11.79
2.7
3.87
0.03
0.02
0.01
0.01
2.74
3.9
9.11
9.11
9.11
9.11
73.73
60.48
73.73
60.48
Sale of Govt. Securities /

Treasury Bills
279.19
572.92
279.19
572.92
Purchase of Govt.
Securities / Treasury Bills
1110.34
1815.12
1110.34
1815.12
10.37
23.54
10.37
23.54
7.55
20.74
7.55
20.74
28.97
17.75
28.97
17.75
Loans Provided
1948.68
2594.25
1948.68
2594.25
Loans Repaid
1938.07
2232.95
1938.07
2232.95
7.51
7.51
85.19
54.90
0.41
0.27
0.15
0.18
85.75
53.35
Interest Paid
Dividend
Other Income
Purchase of Corporate
bonds and other money
market instruments
8 Om
9 n[an Om
10 XmZ {H$E JE F$U
11 MwH$mE JE F$U
12 EZnrE H$s {~H$s
`Wm 31 mM, 2015 H$mo
~H$m`m
XoZXm[a`m
Deposits
13 Om
Deposits
Matured Deposits
Sale of NPA
Outstanding as on 31st
March 2015
Payables
76
/ BANK OF INDIA
H$.
g.
Items/Related Party
X|/ g~{YV nj
ghm`H$ H$n{Z`m/
g`w$ C
wI ~YZ H$m{H$ wI ~YZ H$m{H$m|

Ho$ [aVoXma
Key Management
Hw$b
Total
Relatives of Key
Management
Personnel
2014-15 2013-14 2014-15 2013-14 2014-15 2013-14 2014-15 2013-14
Personnel
Associates/Joint
Ventures
Sr.
No.
14 F$U
Loans
15 A` Xo`VmE
Other Liabilities
m{`m
Receivables
A` AmpV`m
Other Assets
495.92
485.30
495.92
485.30
1.84
0.69
1.84
0.69
5.17
7.98
5.17
7.98
I) w` ~YZ H$m{H$: Xm nm[al{H$ (` |)
b) Key Management Personnel: Remuneration paid (in `)

2014-15
2013-14
Chairperson
& Managing
Director
26,01,414
21,82,440
Executive
Director
21,50,109
19,73,716
Shri Arun Shrivastava Executive

Director
19,55,812
10,02,071
bmJy Zht
Shri Ravindra
Marathe
Executive
Director
1,13,939
NA
nyd-H$m`nmbH$
15,40,052 9,98,465
{ZXoeH$
ghm`H$ ~H$m| Ama jor` JmrU ~H$m| Ho$ gdhma am` {Z`{V hmoZo Ho$ H$maU
EEg-18 Ho$ nam 9 H$s {> | H$Q>Z Zht {H$E JE h Omo{H$ AmBgrEAmB mam
g~{YV nmQ>u H$Q>Z Ho$ {bE Omar {H$E h {Og| BZ nm{Q>`m| Ho$ Xygao njH$mam|
Ho$ gmW, Omo ^r amÒ {Z`{V h, gp`dhmam| H$mo H$Q>Z Z H$aZo H$s Ny>Q> h&
4.5 boImH$Z mZH$ 22 Am` na H$am| Ho$ {bE boImH$Z.o
AmW{JV H$a AmpV`m Ama AmW{JV H$a Xo`VmAm| Ho$ w` KQ>H$
{ZZmZwgma h :
Shri R. Koteeswaran
Ex-Executive
Director
15,40,052
9,98,465
Smt. V. R. Iyer
21,50,109 19,73,716
Shri B. P. Sharma
lr A$U lrdmVd
H$m`nmbH$ {ZXoeH$
19,55,812 10,02,071
lr aqd amR>o
H$m`nmbH$ {ZXoeH$
lr Ama.H$moQ>rdaZ
{ddaU
Q>S>AbmoZ
2013-14
Name
26,01,414 21,82,440
H$.
g.
2014-15
Sr.
No.
H$.
Zm
nXZm
g
1 lrVr dr.Ama. Aà A`j Ed ~Y
{ZXoeH$
2 lr {~. nr. em
H$m`nmbH$ {ZXoeH$
1,13,939
ii)
A`
Hw$b AmW{JV H$a
AmpV`m
1287.70 1,295.93
1291.98
1301.60
126.68
130.22
126.94
1417.62 1,422.61
1422.20
1428.54
129.92
pWa AmpV`m| na
y`mg Ho$ H$maU
Particulars
Stand alone
Consolidated
31.03.2015
31.03.2014
31.03.2015 31.03.2014
1287.70
1,295.93
1291.98
1301.60
129.92
126.68
130.22
126.94
1417.62
1,422.61
1422.20
1428.54
81.18
44.47
81.20
44.72
Deferred Tax Assets

i)
On account of timing
difference
towards
provisions
ii)
Others
Total Deferred Tax
Assets
Deferred Tax Liabilities
AmW{JV H$a Xo`Vm

i)
The major components of Deferred Tax Assets and Deferred Tax

Liabilities are as under:
Sr.
No.
go{H$V
AmWm{JV H$a AmpV`m

mdYmZ Ho$ {Z{m
g` AVa Ho$ H$maU
The transactions with the subsidiaries and regional rural banks,

being state controlled, have not been disclosed in view of para 9
of AS-18 on Related party disclosure issued by the ICAI exempting
state controlled enterprises from making any disclosure pertaining
to their transactions with other related parties which are also state
controlled.
4.5. Accounting Standard 22 Accounting for Taxes on Income
31.03.2015 31.03.2014 31.03.2015 31.03.2014

i)
Designation
i)
81.18
44.47
81.20
44.72
77
On
account
of
Depreciation on fixed
assets
/ BANK OF INDIA
ii)
{Zdoe na y`mg Ho$

345.83 1,514.78
345.83 1514.92
H$maU
iii) moX^yV `mO Omo Xo`
772.63
765.70
772.63
765.70
Zht h Ho$ H$maU
iv) Am`H$a A{Y{Z`
750.99 550.64 *
750.99 550.64 *
1961 Ho$ 36(1)
(viii) Ho$ VhV
H$Q>mVr
v) A`
5.55
6.73
5.55
6.73
Hw$b AmW{JV H$a
1956.18 2,882.32 1956.20 2882.71
Xo`VmE
{Zdb AmW{JV H$a (538.56) (1,459.71) (533.99) (1454.17)
AmpV`m/(Xo`VmE)
*

{nN>bo Ama{jV {ZYr go ` 431.67 H$amoS> VWm bm^ go ~mha eof
4.6 boImH$Z mZH$ 20- {V eoà AOZ (` |)
H$.
{ddaU
g.
1. AmYma^yV Ama VZwH$ V*

ii)
iii)
iv)
61.00
(J) yb^yV {V eoà Am` (E/~r) (`)
26.57
44.74
(K) {V eoà A{H$V y` (`)
10.00
10.00
v)
{ddaU
ma{^H$ eof
772.63
765.70
772.63
765.70
750.99
550.64 *
750.99
550.64 *
5.55
6.73
5.55
6.73
1956.18
2,882.32
1956.20
2882.71
(538.56)
(1,459.71)
On account of interest
On account of deduc-
Others
Total Deferred Tax
Liabilities
Net Deferred Tax As-
(533.99) (1454.17)
sets / (Liabilities)
* ` 431.67 crores out of past reserves and balance out of profit
4.6. Accounting Standard 20 - Earnings per Share (in `)
Sr.
No.
1.
Particulars
Basic & Diluted *
2014-15
2013-14
26.57
44.74
2014-15
2013-14
Calculation of Basic & Diluted E.P.S.

Sr.
No.
Particulars
(A)
Net Profit for the year attributable to

Equity Shareholders
1,708.92
2,729.27
(B)
Weighted Average Number of Equity

shares (in Crores)
64.31
61.00
(C)
Basic Earnings per Share (A/B) (`)
26.57
44.74
(D)
Nominal Value per Share (`)
10.00
10.00
AmYma^yV Ed VZwH$V B.nr.Eg. gmZ hr h m|{H$ Xr g^m` B{$Q>r

eoà Zht h&
4.7 AmpV`m| H$m mg (boImH$Z mZH$ 28) - ` ey.
4.8 boImH$Z mZH$ 29 : mdYmZ, AmH$pH$ Xo`VmE Ed AmH$pH$ AmpV`m :
H$ Xo`VmAm| hoVw mdYmZm| | CVma MT>md(A`, Ho$ mdYmZm| H$mo {ZH$mb H$a)
1514.92
Income Tax Act 1961
H$.
{ddaU
2014-15 2013-14
g.
(H$) B{$Q>r eo`mYmaH$m| H$mo XmZ H$aZo `mo` df Ho$ 1,708.92 2,729.27
{bE {Zdb bm^ (H$amoS>) (E)
64.31
345.83
tion u/s 36(1)(viii) of the
(I) B{$Q>r eo`mYmaH$m| H$mo XmZ H$aZo `mo` df Ho$

{bE {Zdb bm^ (H$amoS>) (E)
1,514.78
accrued but not due
44.74
AmYma^yV Ed VZwH$V BnrEg H$m n[aH$bZ
345.83
ciation on investment
2014-15 2013-14
26.57
On account of Depre-
Basic & Diluted E.P.S. are same as there are no dilutive

potential equity shares.
4.7 Impairment of Assets (Accounting Standard 28) : ` Nil

4.8 Accounting Standard 29: Provisions, Contingent Liabilities
and Contingent Assets:

A. Movement of Provisions for contingent liabilities

Particulars
{d{YH$ mbo/AmH$pH$VmE
2014-15
2013-14
26.95
26.94
Opening Balance
Legal cases/contingencies
2014-15
2013-14
26.95
26.94
df Ho$ XmamZ mdYmZ
1.25
0.01
Provided during the year
1.25
0.01
df Ho$ XmamZ Cn`moJ H$s JB am{e
0.00
0.00
Amounts used during the year
0.00
0.00
A{V eof
28.20
26.95
Closing Balance
28.20
26.95
~{hJZ H$m g`/A{Z{MVVmE
gPmVo/
gPmVo/
{H$Q>brH$aU na {H$Q>brH$aU na
~{hJZ
~{hJZ
Timing of outflow/uncertainties
78
Outflow on
settlement /
Crystallization
Outflow on
settlement /
Crystallization
/ BANK OF INDIA
I. AmH$pH$ Xo`VmE
`Wm C{pIV Bg H$ma H$s Xo`VmE, `m`mb` Ho$ {ZU`/`WVm
H$aZo/`m`mb`Ho$ ~mha gPmVm, Anrb H$m {ZnQ>mZ, mJr JB am{e,
g{dXmJV Xm{`dmo H$s eV], {dH$mg VWm g~{YV njm| mam CR>mB JB
mJ Ogm ^r mbmhmo na H$e: {Zâ H$aVm h& Bg mbm| | H$moB
{Vny{V Ano{jV Zht h&
5. A{V[a$ Xo`VmE
5.1 mdYmZ Ama AmH$pH$VmE
bm^ Ama hm{Z ImVo | {XImE JE mdYmZ Ama AmH$pH$VmE H$m ~oH$An {ZZmZwgma h:
{ddaU
Such liabilities are dependent upon, the outcome of court

order/arbitration/out of court settlement, disposal of appeals,
the amount being called up, terms of contractual obligations,
devolvement and raising of demand by concerned parties,
as the case may be. No reimbursement is expected in such
cases.
5.
Additional Disclosures
5.1 Provisions and Contingencies

The break-up of Provisions and Contingencies appearing in

the Profit and Loss Account is as under:
Particulars
go{H$V
go{H$V
2014-15 2013-14 2014-15 2013-14
(50.40)
72.55 (50.40)
72.55
Standalone
2014-15 2013-14
Provision for Depreciation on

Investment
{Zdoe Ho$ y`mg na

mdYmZ
EZnrE hoVw mdYmZ
5,227.43 3,970.35 5231.64 3,974.26
mZH$ AmpV`m| hoVw
408.60 422.67 409.22 423.42
mdYmZ
Am`H$a Ho$ {bE {H$`m
86.13 815.78o 103.42 834.49
J`m mdYmZ (AmW{JV
H$a g{hV)
A` mdYmZ Ed
AmH$pH$VmE
nwZJ{R>V ImVm| |
107.95 360.75 107.95 360.75
`mJ hoVw mdYmZ
Xoer` OmopI hoVw
23.59
33.78
23.59
33.78
mdYmZ
A` mdYmZ
(24.46)
17.75 (24.26)
17.94
Hw$b..
5,778.85 5,693.63 5801.16 5,717.19
5.2 ApWa mdYmZ (H$mCQ>a gmBpbH$b mo{dOqZJ ~$a) {ddaU
{ddaU
2014-15 2013-14
bmoqQ>J mo{dOZ ImVo | map^H$ eof mm
364.43 543.92
boImH$Z df | {H$E JE bmoqQ>J mo{dOZ H$s mm
100.00
0.00
boIm df Ho$ XmamZ {H$E JE Sm S>mCZ H$s am{e (Sm S>mCZ 232.21 179.49
`moOZ, `{X H$moB hmo, {X`m OmE)
ApWa mdYmZ ImVo | A{V eof
232.22 364.43
^maVr`
[aOd
~H$
Ho$
n[an
H$.
S>r~rAma.
Z.
~rnr.~rgr.79/21.04.048/2014-15 {XZmH$ 30 mM, 2015 Ho$ mbo
| 31 {Xg~a, 2014 H$mo ~H$ CZHo$ mam Ym[aV 50% H$m Cn`moJ H$a
gH$Vo h Omo EZnrE hoVw {d{e> mdYmZ hoVw Ym[aV {H$`m J`m h& ~H$ Zo
` 464.43 H$amoS> | go ` 232.22 H$amoS> Omo `Wm 31 {Xg~a, 2014 H$mo
EZnrE hoVw {d{e{> mdYmZ hoVw Ym[aV {H$E JE Wo H$m Cn`moJ {H$`m h&
5.3 [aOg go Sm S>mCZ
31.03.2015 H$mo gm df Ho$ Xmam [aOdg go H$moB Sm S>mCZ Zht {H$`m h&
B. Contingent Liabilities
Provision towards NPA

Provision towards Standard
Assets
Provision made towards
Income Tax
(including Deferred Tax)
Consolidated
2014-15 2013-14
(50.40)
72.55
(50.40)
72.55
5,227.43
3,970.35
5231.64
3,974.26
408.60
422.67
409.22
423.42
86.13
815.78
103.42
834.49
107.95
360.75
107.95
360.75
23.59
33.78
23.59
33.78
(24.46)
17.75
(24.26)
17.94
5,778.85
5,693.63
5801.16
5,717.19
Other Provision &

Contingencies
Provision for Sacrifice in
Restructured Accounts
Provision for Country Risk
Other Provisions
Total
5.2. Floating Provisions (Countercyclical provisioning buffer)

Particulars
2014-15
2013-14
Opening Balance in the floating provisions

account
Particulars
364.43
543.92
The quantum of floating provisions made in the

accounting year
100.00
0.00
Amount of draw down made during the accounting year
232.21
179.49
Closing Balance in the floating provisions account
232.22
364.43
In terms of Reserve Bank of India Circular No.DBR.No.BP.

BC.79/21.04.048/2014-15 dated 30th March,2015, Banks were
allowed to utilise 50% of the floating provision held by them as on
31st December, 2014 for making specific provision for NPAs. The
Bank has utilised ` 232.22 Crores out of ` 464.43 Crores held as on
31st December, 2014 for making specific provision for NPAs.
5.3 Draw Down from Reserves

79
There is no drawdown from reserves made during the year

ended 31.03.2015.
/ BANK OF INDIA
i)
12
(I) df Ho$ XmamZ m {eH$m`Vm| H$s g`m
9,757
3,565
(J) df Ho$ XmamZ {ZnQ>mB JB {eH$m`Vm| H$s g`m
9,711
3,513
110
64
ii)
~qH$J bmoH$nmb mam nm[aV A{Y{ZU` : EQ>rE go g~{YV {eH$m`V| :

(~YZ mam go{H$V d bojmnarjH$m| mam ghV )
{ddaU
df Ho$ ma^ | bmJy Zht {H$E JE A{Y{ZU`m| H$s g`m
2214
df Ho$ XmamZ ~qH$J bmoH$nmb mam nm[aV A{Y{ZU`m| 151,435

H$s g`m
166858
df Ho$ XmamZ bmJy {H$E JE A{Y{ZU`m| H$s g`m
149,051
167030
4,426
2042
df Ho$ AV | bmJy Zht {H$E JE A{Y{ZU`m| H$s g`m

iii)
Particulars
2013-14
64
12
9,757
3,565
9,711
3,513
110
64
2014-15
2013-14
2042
2214
No. of ATMs complaints received during the

year
151,435
166,858
No. of ATMs complaints redressed during the

year
149,051
167,030
No. of ATMs complaints pending at the end of

the year
4,426
2,042
No. of ATMs complaints pending at beginning

of the year
~qH$J bmoH$nmb mam nm[aV A{Y{ZU` :
iii) Awards passed by the Banking Ombudsman:
H$.
{ddaU
2014-15 2013-14
g.
(H$) df Ho$ ma^ | bmJy Zht {H$E JE A{Y{ZU`m|
3
1
H$s g`m
(I) df Ho$ XmamZ ~qH$J bmoH$nmb mam nm[aV
0
23
A{Y{ZU`m| H$s g`m
(J) df Ho$ XmamZ bmJy {H$E JE A{Y{ZU`m| H$s
3
21
g`m
(K) df Ho$ AV | bmJy Zht {H$E JE A{Y{ZU`m|
0
3
H$s g`m
5.5 ~H$ mam Omar MwH$mVr AmdmgZ nm| (EbAmogrO) na H$Q>Z (~YZ mam `Wm
go{H$V)
Mmby df Ho$ XmamZ ~H$ Zo H$moB MwH$mVr AmdmgZ n Omar Zht {H$E h& df
2011-2012 Ho$ XmamZ, ~H$ Zo AnZo nyUV`m dm{dH$ H$s ghm`H$ gWmn
~H$ Am$ B{S>`m (~rQ>rS>`y) {b. Ho$ {bE JdZa, ~H$ Am$ ~moVdmZm H$mo
dMZn Omar {H$`m h {H$ {dmr ` dm`Xm Xo` hmoZo na nyam {H$`m OmEJm&
df 2010-11 Ho$ XmamZ, AnZo nyUV`m dm{d H$s ghm`H$ gWm ~rAmoAmB
(`yOrbS>) {b. Ho$ {bE `yOrbS> Ho$ am`b ~H$ Ho$ nj | ~H$ Zo {dmr` dm`Xm
`{X Xo` hmoZo na nyam H$aZo Ho$ {bE A{^^mdH$s` JmaQ>r Omar {H$`m h&
VWm{n `Wm 31.03.2015 | Cn`w$ dm`Xm| | H$moB {dmr` Xm{`d Zht h&
5.6 mdYmZrH$aU H$daoO AZwnmV (nrgrAma)
`Wm 31 mM 2015 H$mo ~H$ Ho$ gH$b AZOH$ AmpV`m| na mdYmZrH$aU
52.40% h ({nN>bo df: 58.68%)
2014-15
ii) ATM Complaints (As compiled by Management and relied

upon by the Auditors)
2014-15 2013-14
2,042
Customer Complaints :
Sr. Particulars
No
( a ) No. of complaints pending at the
( b ) No. of complaints received during the
year
( c ) No. of complaints redressed during the
year
( d ) No. of complaints pending at the end of
the year
2014-15 2013-14
64
(K) df Ho$ AV | b{~V {eH$m`Vm| H$s g`m
5.4 Disclosure of complaints
5.4 {eH$m`Vm| H$m H$Q>Z

i) JmhH$m| H$s {eH$m`V|:
H$.
{ddaU
g.
(H$) df Ho$ ma^ | b{~V {eH$m`Vm| H$s g`m
Particulars
2014-15
2013-14
( a ) No. of unimplemented Awards at the

( b ) No. of Awards passed by the Banking

Ombudsman during the year
23
( c ) No. of Awards implemented during the

year
21
( d ) No. of unimplemented Awards at the end

of the year
5.5 Disclosure of Letters of Comfort (LoCs) issued by bank(As

compiled by Management and relied upon by the Auditors)

During current year, the bank has not issued any letter of comforts.
During the year 2011-12 the bank has issued and undertaking
to the governor, Bank of Botswana in respect of its wholly
owned subsidiary, Bank of India (BTW) Ltd., to meet its financial
commitments if they fall due.
During the year 2010-11 the bank issued parental guarantee

in favour of Royal Bank of New Zealand for its wholly owned
subsidiary, BOI(New Zealand) Ltd. to meet its financial obligations,
if they fall due.
As on 31.03.2015 no financial obligations have arisen on the above

commitments.
5.6 Provisioning Coverage Ratio (PCR)

80
The Provisioning to Gross Non-Performing Assets of the Bank as on

31st March 2015 is 52.40% (Previous year: 58.68%)
/ BANK OF INDIA

5.7 Fees, remuneration received from Bancassurance business:
5.7 ~Ho$`moa|g H$mamo~ma go m ewH$, nm[al{H$ :

{ddaU
OrdZ ~rm nm{bgr
2014-15
2013-14
Life Insurance Policies
42.22
33.47
Ja-OrdZ ~rm nm{bgr
17.62
16.61
Non-Life Insurance Policies
17.62
16.61
Hw$b
59.84
50.08
Total
59.84
50.08
5.8 Concentration of Deposits, Advances, Exposures and NPAs
5.8 Om am{em, A{J, EgnmoOa VWm EZnrE H$m gH|$U

Particulars
2014-15 2013-14
42.22
33.47
5.8.1 OmAm| H$m gH|$Z

{ddaU
~rg g~go ~S>o OmH$VmAm| H$s Hw$b Omam{e`m
42,011
43,943
7.90%
9.21%
5.8.1 Concentration of Deposits

Particulars
2014-15 2013-14
~H$ H$s Hw$b Omam{e`m| | go ~rg ~S>o OmH$VmAm| H$s

Omam{e`m| H$m {VeV

2014-15
2013-14
Total Deposits of twenty largest depositors
42,011
43,943
Percentage of Deposits of twenty largest

depositors to Total Deposits of the Bank
7.90%
9.21%
2014-15
2013-14
Total Advances to twenty largest borrowers
56,378
54,155
Percentage of Advances to twenty largest

borrowers to Total Advances of the Bank
9.32%
8.42%
5.8.2 Concentration of Advances
5.8.2 A{Jm| H$m gH|$Z
Particulars
{ddaU
~rg g~go ~S>o CYmaH$VmAm| H$m Hw$b A{J
2014-15 2013-14
~H$ Ho$ H$m Hw$b A{Jm| | go ~rg g~go ~S>o CYmaH$VmAm|

Ho$ A{Jm| H$m {VeV

56,378
54,155
9.32%
8.42%

5.8.3 Concentration of Exposures
5.8.3 EgnmoOa H$m gH|$U
Particulars
{ddaU
2014-15 2013-14
~rg g~go ~S>o CYmaH$VmAm|/JmhH$m| Ho$ Hw$b EgnmoOa 57,734 55,503
~H$ Ho$ CYmaH$VmAm|/JmhH$m| H$mo Hw$b EgEnmoOa | 7.95% 7.31%
go ~rg g~go ~S>o CYmaH$VmAm|/JmhH$m| Ho$ EgnmoOa
H$m {VeV

5.8.4 EZnrE H$m gH|$U (~YZ mam `Wm go{H$V)

{ddaU
Mma erf EZnrE ImVm| H$m Hw$b EgnmoOa
2014-15 2013-14
1,895
1,311
5.9 jodma EZnrE

({ddoH$nyU / VH$ZrH$s amBQ> Am$ g{hV)
H$.
g.
jo
H$ mW{H$Vm m jo
1 H${f Ed g~{YV J{V{d{Y`m
2 mW{H$Vm m jo Ho$ $n
| nm CmoJm| H$mo A[J
3 godmE
4 `{$JV F$U
Cn `moJ (H$)
I Ja mW{H$Vm m$ jo
1 H${f Ed g~{YV J{V{d{Y`m
~H$m`m
gH$b A{J
gH$b
EZnrE
Total Exposure to twenty largest borrowers/

customers
5.00
12.09
13860.35
5591.68
85350.28
1048.58
174.23
6641.85
7.57
3.12
7.78
572.33
64.53
11.28
7.31%
5.8.4 Concentration of NPAs (as compiled by management)

Particulars
2014-15
2013-14
1,895
1,311
Total Exposure to top four NPA accounts

5.9 Sector-wise Advances

(Including Prudential/Technical write off)
Sr.
No.
1797.23
3621.81
7.95%
Percentage of Exposures to twenty largest

borrowers/customers to Total Exposure of the
bank on borrowers/customers
Cg goQ>a |
Hw$b A{Jm|
| EZnrE H$m
{VeV
35942.53
29955.74
2014-15 2013-14
57,734
55,503
Particulars
Priority sector
1
Agriculture & allied

activities
35,942.53
1,797.23
5.00
Advances to industries
sector eligible as priority
sector lending
29,955.74
3,621.81
12.09
Services
13,860.35
1,048.58
7.57
Personal loans
5,591.68
174.23
3.12
85,350.28
6,641.85
7.78
572.33
64.53
11.28
Sub-total (A)
B
Non Priority Sector

1
81
Current Year
Advances Gross NPAs % of Gross
NPAs
to Total
Advances in
that Sector
Agriculture & allied

activities
/ BANK OF INDIA
H$.
g.
jo
~H$m`m
gH$b A{J
2 CmoJ
Cg goQ>a |
Hw$b A{Jm|
| EZnrE H$m
{VeV
189231.40 16468.15
8.70
3 godmE
72774.51
3533.76
4.86
4 `{$JV F$U
50,904.30
432.53
0.85
313,482.54 20,498.96
6.54
Cn `moJ (I)
`moJ (H$+I)

398,832.86 27,140.83
{ddaU
VH$ZrH$s/{ddoH$nyU VarHo$ go ~>o ImVo S>mbo ImVm|
| ma{^H$ eof
OmoS|> : df Ho$ XmamZ VH$ZrH$s/{ddoH$nyU VarHo$ go
~>o ImVo {bImB
Cn-OmoS> (E)
KQ>mE :- nyd | VH$ZrH$s/{ddoH$nyU VarHo$ go ~>o
ImVo S>mbo ImVm| | H$s JB dgybr (~r)
A{V eof (E-~r)
189,231.40
16,468.15
3 Services
72,774.51
3,533.76
4.86
4 Personal loans
50,904.30
432.53
0.85
6.54
Sub-total (B)
313,482.54
20,498.96
Total (A+B)
398,832.86
27,140.83
8.70
5.9.1 Movement of NPAs

2014-15
2013-14
Gross NPAs as on 01 April

(Opening Balance)
11,868.60
Additions (Fresh NPAs) during the year
16,651.47
8,810.91
Sub-total(A)
28,520.07
17,576.16
(i) Up gradations
2,380.66
938.10
(i)
Recoveries-excluding recoveries
made from upgraded accounts
2,688.38
3,066.01
(i)
Write offs other those under 3 above
1,257.79
1,703.45
6,326.83
5,707.56
22,193.24
11,868.60
st
8,765.25
Less:
Sub-total (B)
Gross NPAs as on 31 March
(Closing Balance) (A-B)
st
2014-15 2013-14
6,081.22 6,452.48
5.10 Movement of Technical/Prudential written-off accounts

Particulars
2014-15
2013-14
Opening Balance of Technical/prudential

written-off accounts
6,081.22
6,452.48
1,312.90 2,154.34
Add: Technical/prudential
during the year
1,312.90
2,154.34
7,394.12 8,606.82
1,188.03 2,525.60
Sub-total(A)
7,394.12
8,606.82
Less:-Recoveries made from previously

technical/prudential written-off accounts
during the year(B)
1,188.03
2,525.60
Closing Balance (A-B)
6,206.09
6,081.22
6,206.09 6,081.22
5.11 {dXoer AmpV`m, EZnrE VWm amOd
2014-15
Particulars
2014-15
2013-14
1,63,361.27
148,196.91
Total NPAs
1,948.28
1,594.38
Total Revenue
5,012.08
4,355.65
Total Assets
written-offs
5.11 Overseas Assets, NPAs and Revenue
2013-14
1,63,361.27 148,196.91
1,948.28
1,594.38
5,012.08
4,355.65
5.12 EgnrdrO nmga Am$ ~bog erQ>
5.12 Off-Balance Sheet SPVs sponsored
nmga {H$E JE Egnrdr H$m Zm

dXoer
ey`
Current Year
Advances Gross NPAs % of Gross
NPAs
to Total
Advances in
that Sector
Particulars
{ddaU
2014-15 2013-14
gH$b EZnrE `Wm 1 Anb (ma{^H$ eof)
11,868.60 8,765.25
df Ho$ XmamZ (ZE EZnrE) n[adYZ
16,651.47 8,810.91
Cn-OmoS> (E)
28,520.07 17,576.16
KQ>mE :(i) AnJoSo>eZ
2,380.66
938.10
(ii) dgybr`m-AnJoSo>S> ImVm| go H$s JB dgybr H$mo
2,688.38 3,066.01
N>moS>H$a
(iii) ~>o ImVo {bImB, C 3 Ho$ AVJV N>moS>H$a
1,257.79 1,703.45
Cn-OmoS> (~r)
6,326.83 5,707.56
gH$b EZnrE `Wm 31_mM (A{V eof) (E-~r)
22,193.24 11,868.60
5.10 VH$ZrH$s/{ddoH$nyU VarHo$ go ~>o ImVo S>mbo ImVm| H$m yd|Q>
Particulars
2 Industry
5.9.1 EZnrE H$m yd|Q>
H$.
{ddaU
g.
1 Hw$b AmpV`m
2 Hw$b EZnrE
3 Hw$b amOd
Sr.
No.
gH$b
EZnrE
Name of the sponsored SPV
{dXoer
ey`
82
Domestic
Overseas
Nil
Nil
/ BANK OF INDIA

5.13 Unamortised Pension and Gratuity Liabilities:
5.13 An[aemo{YV noeZ Ama Jo`wQ>r Xo`VmE :

31.03.2011 H$mo gm df Ho$ XmamZ, ~H$ Zo CZ H$Mm[a`m| Ho$ {bE n|eZ
H$m {dH$n {$a go Imobm {Ohm|Zo nhbo n|eZ H$m {dH$n Zht MwZm Wm& Hw$b
22,338 H$Mm[a`m| mam `h {dH$n MwZZo Ho$ n[aUmd$n ~H$ H$mo H$maU
` 2212.15 H$amoS> H$s A{V[a$ Xo`Vm hB& BgHo$ Abmdm, 31.03.2011 H$mo
gm df Ho$ XmamZ, Jo`wQ>r ^wJVmZ A{Y{Z`, 1972 | gemoYZ Ho$ H$maU
H$Mm[a`m| H$mo Xo` Jo`wQ>r H$s grm | d{ H$s JB& n[aUmd$n ~H$ H$s
Jo`wQ>r Xo`Vm | ` 428.96 H$amoS> H$s d{ hB&
gmdO{ZH$ jo Ho$ ~H$m| Ho$ H$Mm[a`m| hoVw noeZ {dH$n {$a go XmZ H$aZo
Ama CnXmZ grm ~T>mZo - yS>ope`b aoJwboQ>ar QrQ>oQ>, na ^maVr` [aOd ~H$
n[an H$.S>r~rAmoS>r. ~rnr.~rgr.80/21.04.018/ 2010-11 {XZmH$ 9
$adar, 2011 Ho$ AZwgma ~H$ Zo ` 2,641.11 H$amoS> H$s H${WV Xo`Vm H$mo
nmM dfm] H$s Ad{Y | n[aemo{YV H$aZo H$m {dH$n MwZm h& VXZwgma, ` ey`
({dJV df ` 528.22 H$amoS>) ^{d` Ho$ dfm] | bm^-hm{Z ImVo | ^m[aV
{H$E OmZo hoVw AmJo bo OmB JB h&
5.14 {V^y{VH$aU go g~ H$Q>Z
During the year ended 31.03.2011, the Bank had re-opened the
pension option for such of its employees who had not opted for
the pension scheme earlier. As a result of exercise of the option
by 22,338 employees, the bank had incurred additional liability of
` 2,212.15 Crores. Further, during the year ended 31.03.2011, the limit
of Gratuity payable to the employees was also enhanced pursuant to
the amendment to the Payment of Gratuity Act, 1972. As a result the
gratuity liability of the Bank had increased by `428.96 Crores.
As per the Reserve Bank of India circular no. DBOD.

BP.BC.80/21.04.018/2010-11) on Re-opening of Pension Option to
Employees of Public Sector Banks and Enhancement in Gratuity
Limits Prudential Regulatory Treatment, dated 9thFebruary 2011,
the Bank had opted to defer the additional liability of`2,641.11 Crores
as mentioned above and amortise it over a period of five years
commencing from financial year 2010-11 onwards. Accordingly,
unamortised amount of Rs. NIL(Previous year 528.22 Crores) has
been carried forward to be charged to the Profit and Loss account of
future year/s.
~H$ Zo {dmr` df 2014-15 Ho$ XmamZ H$moB noeb nnO hrH$b (Egnrdr)
bmoQ> Zht {H$`m h&
5.15 Ho${S>Q> {S>$mQ> dg

~H$ Zo {dmr` df 2014-15 Ho$ XmamZ Ho${S>Q> {S>$mQ> dg Ho$ gmW dhma
ew$ Zht {H$m h&
5.16 BQm-Jwn EnmoOa (~YZ mam gH${bV Ama boIm narjH$m| mam g{WV)
H$. BH$mB H$m Zm
5.14 Disclosure relating to Securitisation

The Bank has not floated any Special purpose Vehicle (SPV) during
the Financial Year 2014-15.
5.15 Credit Default Swaps

The bank has not started dealing with Credit Default swaps up to
end of the financial year 2014-15.
5.16 Intra-Group Exposures (As compiled by the management and

relied upon by the Auditors)
Name of the Entity
Sr
No
A{J
{ZYr AmYm[aV
Fund Based
grm
1
2
3
4
5
6
7
8
9
10
11
12
~rAmoAmB eoà hmopS>J {b.

nrQ>r ~H$ Am$ BS>moZo{e`m
Q>r~rHo$
~H$ Am$ B{S>`m (VOm{Z`m)
{b{Q>oS>
~H$ Am$ B{S>`m (`y{ObS>)
{b{Q>oS>
~H$ Am$ B{S>`m (`yJmS>m)
{b{Q>oS>
~H$ Am$ B{S>`m (~modmZm)
{b{Q>oS>
~rAmoAmB Egm BdoQ>|Q> {b
~rAmoAmB Egm> QQ>r g{dgog
mBdoQ> {b.
~rAmoAmB M]Q> ~H$g {b.
Q>ma `y{Z`Z XmB-BMr bmB$
Bwag H$. {b.,
EgQ>rgrAmB $mBZg {b.
EEgAmaBgr (B{S>`m) {b;
{Zdoe
Advances
eof
Hw$b
INVESTMENTS
Total
Ja {ZYr AmYm[aV
NFB
grm
eof
grm
eof
grm
eof
Limits
0.00
156.25
O/s
0.00
156.26
Limits
0.00
0.00
O/s
0.00
0.00
Limits
1.02
335.15
O/s
1.02
335.15
Limits
1.02
491.40
O/s
1.02
491.41
55.98
24.87
0.00
0.00
50.12
50.12
106.10
74.99
1.00
0.00
0.00
0.00
176.91
176.91
177.91
176.91
31.11
31.11
0.00
0.00
57.74
57.74
88.85
88.85
Bank of India (Botswana)

Limited
0.00
0.00
0.00
0.00
33.82
33.82
33.82
33.82
BOI Axa Investment

Managers Private Limited
BOI Axa Trustee Services
Private Limited
0.00
0.00
0.00
0.00
42.70
42.70
42.70
42.70
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
BOI Merchant Bankers

Limited
Star Union Dai-IchiLife
Insurance Co. Ltd
0.00
0.00
0.00
0.00
10.00
10.00
10.00
10.00
0.00
0.00
0.00
0.00
120.00
120.00
120.00
120.00
STCI Finance Limited

ASREC (India) Limited
500.00
0.00
495.92
0.00
0.00
0.00
0.00
0.00
130.10
27.60
130.10
27.60
630.10
27.60
626.02
27.60
BOI Shareholding Limited

PT Bank of India Indonesia
TBK
Bank of India (Tanzania)
Limited
Bank of India (New
Zealand) Limited
Bank of India (Uganda)
Limited
83
/ BANK OF INDIA

Name of the Entity
H$. BH$mB H$m Zm
A{J
Sr
No
{ZYr AmYm[aV
grm
16
BS>mo-Pmp~`m ~H$ {b;

JmrU ~H$ Am$ Am`dV
PmaIS> JmrU ~H$
ZXm mbdm Pm~wdm JmrU ~H$
17
{dX^ H$m|H$U JmrU ~H$
18
AbmBS> ~H$ Am$ ZmÒo[a`m {b;

BQmJwn EnmoOa H$s Hw$b am{e
14
15
NFB
eof
grm
eof
grm
eof
grm
eof
O/s
0.00
Limits
0.00
O/s
0.00
Limits
47.59
O/s
47.59
Limits
66.34
O/s
47.59
Gramin Bank of Aryavart
30.45
8.2442
0.00
0.00
32.18
32.18
62.63
40.42
Jharkhand Gramin Bank
0.00
0.00
0.00
0.00
39.44
39.44
39.44
39.44
Narmada Malva Jhabuva

Gramin Bank
Vidharbha Konkan Gramin
Bank
Allied Bank of Nigeria Ltd
428 283.2551
0.00
0.00
40.69
40.69
468.69
323.94
91.4611
0.00
0.00
42.67
42.67
176.77
134.13
0.00
0.00
0.00
0.00
1.87
1.87
1.87
1.87
1355.64
1091.12
0.00
0.00 1189.58 1189.58 2545.22 2280.70
Indo-Zambia Bank Limited
Total amount of Intra

Group Exposure
134.1
C.
~H$ H$m Hw$b EgnmoOa

CYmaH$VmAm|/JmhH$m| na Hw$b EgnmoOa H$m BQm Jwn |
%
`Wm 31.03.2015 H$mo BQm Jwn EgnmoOa grm H$m H$moB
CKZ Zht h&
K.
Total Exposure of the Bank
726,634.86
{ddaU
S>rBEE$ | AV[aV ma{^H$ eof am{e
Om : df Ho$ XmamZ S>rBEE$ | AV[aV am{e
KQ>mE :Xmdm| Ho$ VhV S>rBEE$ mam am{e H$s {Vny{V
S>rBEE$ | AV[aV am{e H$m A{V eof
Mmby df
0.35%
D.
5.17 Transfers to Depositors Education and Awareness Fund

(DEAF)
{dJV df
0.00
0.00
38.54
Particulars
Current
year
Previous
year
0.00
0.00
Opening balance of amounts transferred to

DEAF
Add : Amounts transferred to DEAF during year
38.54
0.00
0.00
0.00
Less : Amounts reimbursed by DEAF towards

claims
0.00
0.00
38.54
0.00
Closing balance of amounts transferred to DEAF
38.54
0.00
0.00
5.18 Unhedged Foreign Currency Exposure
{ddaU
H$
ma{^H$ eof mdYmZm| Ho$ ImVo
0.00
0.00
boIm df | {H$E JE mdYmZm| H$s mm
83.2
0.00
boIm df Ho$ XmamZ am{e [adg

mdYmZm| Ho$ ImVo | gmnZ gVwbZ
0.00
83.2
0.00
0.00
There is no breach of intra group exposure limit

as on 31.03.2015.
H$.
0.35%
Borrowers/Customers
5.2 AZhoS> {dXoer wm EgnmoOa
726,634.86
% of Intra group Exposure to total exposure on
5.7 OmH$Vm {ejm Ama OmJ$H$Vm $S> | AVaU (S>rBEE$)
Total
Limits
18.75
J.
Hw$b
INVESTMENTS
Ja {ZYr AmYm[aV
Fund Based
13
{Zdoe
Advances
Sr.
No.
a
b
2014-15 2013-14
Particulars
Opening balance provisions account
The quantum of provisions made in the
accounting year
Amount Reverse during the accounting
year
Closing balance in the provisions account
c
d
FY
FY
2014-15 2013-14
0.00
0.00
83.2
0.00
0.00
0.00
83.2
0.00
~H$ mam wm o[aV F$U OmopI Ho$ g~Y | H$moB Zr{V V`ma Zht H$s
J`r h& O~{H$, ~H$ ^maVr` [aOd ~H$ mam Omar {H$E JE {d{Z`mH$
{Xem{ZX}em| H$m nmbZ H$a ahm h
31.03.2015 H$mo CnbY S>mQ>m Ed Ohm H$ht ^r CYmaH$Vm go m
KmofUm Ho$ AmYma na, ~H$ Zo ` 83.2 H$amoS> Ho$ d{erb mdYmZ H$m
gOZ {H$m h& Bg EgnmoOa na A{V[aV AmaS>yE ` 1121 H$amoS>
h, Omo{H$ Bg yZV nyOr AmdH$Vm ` 100.89 H$amoS> Ho$ {Z{V h&
84
The Bank has not prepared any policy with regard to currency
induced credit risk. However, the bank is following regulatory
guidelines issued by the Reserve Bank of India
As on 31.03.2015, based on available data and declaration

from the borrowers, wherever received, the Bank has created
incremental provision of ` 83.2 Crores. The additional RWA
on this exposure is ` 1121 Crores, as against this additional
minimum capital requirement is ` 100.89 Crores.
/ BANK OF INDIA
6. {b{${S>Q>r H$daoO AZwnmV

mmH$ H$Q>rH$aU
6.
Liquidity Coverage Ratio
Quantitative Disclosure
am{e ` H$amoS> |
AMOUNT IN ` CRS
Hw$b A{ZYm[aV y`
(AmgV)1
Hw$b ^m[aV y`
(AmgV)2
Total Unweighted Value

(average)1
Total Weighted Value

(average)2
CM JwUdmm ZH$Xr AmpV`m
HIGH QUALITY LIQUID ASSETS

1
62,230.27
Hw$b C JwUdmm$ AmpV`m( EM`ynEbE)

Total High Quality Assets (HQLA)
ZH$Xr AmD Q>bmo
CASH OUTFLOW
2
arQ>ob Omam{e Ed bKw H$mamo~ma JmhH$m| go Om am{e, {OZ| go:
367,886.84
36,485.95
6,054.69
302.73
361,832.15
36,183.21
52,958.81
25,053.05
10,230.55
908.96
42,728.26
24,144.09
Retail deposits and deposits from small business customers, of which:

(i)
pWa Omam{em
Stable deposits
(ii)
KQ>mE pWa Omam{em
Less stable deposits

3
A{V^yV WmoH$ {dmnmofU; {OZ| go

Unsecured wholesale funding of which:
(i)
n[aMmbZJV Omam{em (g^r {Vnj)

Operational deposits (all counterparties)
(ii)
Ja-n[aMmbZJV Omam{em (g^r {Vnj)

Non -operational deposits (all counterparties)
(iii)
A{V^yV F$U
unsecured debts
4
{V^yV WmoH$ {dmnmofU
Secured wholesale funding

5
A{V[a$ Amd`H$VmE, {OZ| go
22,322.09
13,403.68
S>o[ado{Q>d EgnmoOa Ama A` gnm{dH$ Amd`H$VmAm| go g~{YV AmD Q>bmo
12,348.10
12,348.10
0.19
0.19
9,973.81
1,055.40
3,057.51
2,425.74
45,894.18
2,312.97
Additional requirements, of which

(i)
Outflows related to derivative exposures and other collateral requirement

(ii)
F$U CnmXm| na YZ H$s hm{Z go g~{YV AmD Q>bmo

Outflows related to loss of funding on debt products
(iii)
Ho${S>Q> Ama {b{${S>Q>r gw{dYmE

Credit and liquidity facilities
A` g{dXmH$ {dmnmofU Xm{`d

Other contractual funding obligations
A` AmH$pH$ {dmnmofU Xm{`d
Other contingent funding obligations

8
Hw$b ZH$X AmD Q>bmo ({ZH$mgr)

ZH$Xr AmZm CASH INFLOW
9
{V^yV F$U (CXm:[adg aonmo)
79,681.39
TOTAL CASH OUTFLOWS

1,251.75
123.65
27,952.92
18,655.22
Secured lending (e.g. reverse repos)

10
nyar Vah go {ZnmXH$ EnmoOa go BZbmo

Inflows from fully performing exposures
85
/ BANK OF INDIA
am{e ` H$amoS> |
AMOUNT IN ` CRS
11
Hw$b A{ZYm[aV y`
(AmgV)1
Hw$b ^m[aV y`
(AmgV)2
Total Unweighted Value

(average)1
Total Weighted Value

(average)2
A` ZH$Xr dmh
15,930.34
12,871.66
45,135.01
31,650.52
Other cash inflows

12
Hw$b ZH$X dmh (AVdmh )

TOTAL CASH INFLOWS
Total Adjusted Value 3

21
62,230.27
Hw$b EM`yEbE
TOTAL HQLA
22
48,030.87
Hw$b {Zdb ZH$Xr dmh

TOTAL NET CASH OUTFLOWS
23
129.56
Mb{Z{Y H$daoO AZwnmV (%)

LIQUIDITY COVERAGE RATIO(%)
ZmoQ>- S>mQ>m Ho$db Imbr Ama hHo$ ^yao aJ Ho$ gog | XO H$ao&
Bg {Vmhr `mZr 31.03.2015 Ho$ {bE, H$Q>rH$aU | S>mQ>m OZdar 2015,
$adar 2015 Ama mM, 2015 Ho$ AmgV na nhM
Zo na JUZm H$s JB h&
EbgrAma Ho$ g~Y | JwUmH$ H$Q>Z
Note- Data to be entered only in blank & light grey cells
For this quarter i.e. 31.03.2015, Data in the disclosure has been
computed by arriving at an average of January, 2015, February,
2015 and March 2015.
^maVr` [aOd ~H$ Ho$ {ZXoem| Ho$ AZwgma ^mdr {V{W 1br OZdar, 2015 VH$ ~H$
Zo Mb{Z{Y H$daoO AZwnmV (EbgrAma) na {Xem{ZX}em] H$mo H$m`pdV {H$`m&
W.e.f. 1st January 2015, the Bank has implemented guidelines on

Liquidity Coverage Ratio (LCR) as directed by Reserve bank of India.
EbgrAma H$m mZH$ b` `h gw{Z{MV H$aZm h {H$ ~H$ ^ma-a{hV C Var`

Mb{Z{Y AmpV`m| (EM`yEbE) H$mo `Wmo{MV Va na AZwa{jV H$aVm h A`{YH$
Mb{Z{Y X~md n[a` Ho$ AVJV 30 H$b|S>a {XZ grm Ho$ {bE Mb{Z{Y
Amd`H$Vm H$mo nyam H$aZo Ho$ {bE EM`yEbE H$mo ZH$Xr | n[ad{VV {H$`m Om
gH$Vm h&
EbgrAma =
C Var` Mb{Z{Y AmpV`m

AJbo 30 H$b|S>a {XZm| VH$ Hw$b {Zdb ZH$Xr AmD Q>bmo
`hm,
- EM`yEbE bodb 1 VWm bodb 2 AmpV`m gp{bV h, Xygao eXm| | `h
ZH$Xr h `m ZH$Xr Xm| Ho$ H$ar~ h {Ogo Amd`H$Vm nS>Zo na ~mOma | AmgmZr
go Cn`moJ {H$`m Om gH$Vm h/^wZm`m Om gH$Vm h&
- ^m[a~/~mgob mam n[a^mfm Ho$ AZwgma X~md H$s pW{V Ho$ AVJV Hw$b ~{hJZ
na Hw$b AmJZ H$m {Zdb ZH$Xr ~{hJZ A{YH$ ahVm h& {Zdb ZH$Xr
~{hJZ na nhM
Zo Ho$ {bE, AmJZ H$mo nyd n[a^m{fV m{OZ Ho$ gmW boZm
Mm{hE VWm ~{hJZ H$mo nyd n[a^m{fV {ZH$mbZm \$Q>a na boZm Mm{hE&
- ^m{d {V{W 01.01.2015 go, A{daV AmYma na 60% EbgrAma H$mo ~ZmE
aIZm ~H$m| Ho$ {bE Amd`H$ h& òH$ df 10% d{ Ho$ gmW 01.01.2019
VH$ `h 100% VH$ nhM
OmE&
Qualitative disclosures with regard to LCR
The LCR standard aims to ensure that a bank maintains an adequate

level of unencumbered High Quality Liquid Assets (HQLA) that can be
converted into cash to meet its liquidity needs for a 30 calendar day
time horizon under a significantly severe liquidity stress scenario. At a
minimum, the stock of liquid assets should enable the bank to survive
until day 30 under a severe liquidity stress scenario.
LCR =
60%
70%
80%
90%
Total net cash outflows over the next 30 calendar days
Here,
-
HQLA comprises of level 1 and level 2 assets, in other words

these are cash or near to cash items which can be easily used /
discounted in the market in case of need.
Net cash outflows are excess of total inflows over total outflows
under stressed situation as defined by Basel / RBI. While arriving
at the net cash outflow, the inflows are taken with pre-defined haircuts and the outflows are taken at pre-defined run-off factors.
In case stressed inflows are more than the stressed outflows, 25%
of total outflows shall be taken as total net cash outflows to arrive at
the LCR.
With effect from 01.01.2015, Banks are required to maintain

minimum 60% LCR on an on-going basis. The same shall reach
100% as on 01.01.2019 with incremental increase of 10% each
year.
dUZ 01.01.2015 01.01.2016 01.01.2017 01.01.2018 01.01.2019

`yZV
EbgrAma
High Quality Liquid Assets
100%
86
Details
01.01.2015
01.01.2016
01.01.2017
01.01.2018
01.01.2019
Minimum
LCR
60%
70%
80%
90%
100%
/ BANK OF INDIA
EbgrAma H$m w` gMmbH$ : C JwUdmm Mb{Z{Y AmpV`m| (EM`yEbE) IwXam

JmhH$m| go C {Z{Y`Z moV Ho$ `yZ {Zdb ZH$Xr dmh EbgrAma Ho$ w` gMmbH$
h& EM`yEbE H$m Mwa Q>mH$ EbgrAma {dH${gV H$aZo | ~H$ H$m ghm`H$ hmoVm h
`m|{H$ A{YH$ EgEbAma Ho$ Mwa am{e H$mo ~H$ ~ZmE aIVm h&
AmVa Ad{Y n[adVZ gmW hr gmW AmodaQ>mB n[adVZ : mM, 2015 {Vmhr Ho$
{bE, OZdar 2015 (154.35%) VWm $adar 2015 (154.51%) hrZm| Ho$
XmamZ EbgrAma EH$gmZ ahm& `{n mM, 2015 hrZo | (94.26%) ahm {Og|
Q>mH$ EgM|O EgEbAma | H$r Ho$ H$maU EbgrAma | {JamdQ> XO H$s JB Omo
{H$ 60% {d{Z`mH$ Amd`H$VmAm| Ho$ H$maU hAm&
EM`yEbE H$s gaMZm : C JwUdmm Mb{Z{Y AmpV`m| (EM`yEbE) H$s
gaMZm | wIV`m ZH$Xr eof, A{YH$ EgEbAma, A{YH$ grAmaAma VWm
E$EEbEbgrAma (Mb{Z{Y H$daoO AZwnmV Ho$ {bE Mb{Z{Y gw{dYm m H$aZm)
wIV`m hmoVm h&
AmO H$s {V{W VH$ EM`yEbE gaMZm H$m H$Q>Z {ZZ{bpIV h :
hmW | ZH$Xr
15%
A{YH$ grAmaAma eof
6%
`yZV EgEbAma Amd`H$Vm H$s A{YH$Vm | gaH$mar {V^y{V
25%
E$EEbEbgrAma (EEgE$ Ho$ {bE AZwV dVmZ | EZS>rQ>rEb
H$m 7 {VeV VH$) g{hV EEgE$ Ho$ AVJV ^m[a~ mam AZwV
AZwgma `yZV EgEbAma Amd`H$Vm H$s A{YH$Vm | gaH$mar
51%
{V^y{V`m
~mgob II Ho$ mZH$ {>H$moU Ho$ AVJV 0%, OmopI Ho$ {dXoer
3%
gmd^m mam Omar `m JmaQ>rH$V {V^y{V`m
{Z{Y`Z moV H$m gHo$rH$aU: ~H$ H$m A{YH$me {Z{Y`Z moV IwXam JmhH$m|
go h (bJ^J 60%) AVEd ~{hJZ X~md VwbZmH$ T>J go H$ h& `{n,
{`mXr Omam{e`m| Ho$ {bE {H$gr A{VXo` {dH$n Ho$ A^md | ^m[a~ Ho$ {Xem{ZX}
em| Ho$ AZwgma ~{hJZ AZw^mJ Ho$ AVJV bJ^J g^r Omam{e`m| H$mo ~H$ Zo
Jma {H$`m& {H$gr hdnyU njH$ma go {Z{Y`Z gHo$U ~H$ H$m Zht Wm& ~H$ Ho$
Hw$b Xo`VmAm| H$m 1% go A{YH$ Ho$ {bE gH$b boImUmbr hoVw g~{YV gyh `m
g~ {VnjH$mam| AWdm H$b {VnjH$ma Ho$ $n | EH$ CoIZr` {VnjH$ma H$mo
n[a^m{fV {H$`m J`m h&
S>o[ado{Q>d EgnmoOa VWm g^m` gnm{dH$ H$mb: S>o[ado{Q>d H$mamo~ma | ~H$ H$m
Kaoby n[aMmbZ | ~hV H$ EgnmoOa h& `{n, {dXoer n[aMmbZ | `nr
H$mamo~ma H$ h VWm A`{YH$ CoIZr` Zht h&
EbgrAma | wm AgVwbZ : ^m[a~ {Xem{ZX}em| Ho$ AZwgaU | H$ hdnyU wm dh
h {Og| Cg wm | Hw$b y`d{JV Xo`VmE ~H$ H$s Hw$b Xo`VmE H$m 5 {VeV `m
A{YH$ hmo& hmao mbo | `yEgS>r EH$m hdnyU wm h AVEd h EbgrAma
H$m n[aH$bZ ògS>r wm | H$aVo h& ^m[a~ mam `h {d{Z{X> Zht h {H$ h
EbgrAma H$mo EH$ {Z{lMV Va VH$ H$ CoIZr` wm | hr n[aH${bV {H$`m OmE&
`{n, ~H$ `yEgS>r y`d{JV EbgrAma H$mo Ama {dH${gV H$aZo H$m g`mg H$a
ahm h Omo dVmZ | 39.16%&
Mb{Z{Y ~YZ Ho$ gHo$rH$aU Ho$ {S>Jr H$m dUZ VWm gyh Ho$ BH$mB`m| | nman[aH$
{H$`m : C Va na ~H$ H$m VabVm ~YZ, ~moS> Var` H$m` h VWm ~moS> (Ama.
H$m) H$s EH$ AbJ Cn-g{{V Bgna {ZJmh aIVr h& {Z`{V AVamb na
EEbgrAmo Ho$ Mb{Z{Y ~YZ H$s {Z`{V {ZJamZr H$s OmVr h& gnyU Mb{Z{Y
~YZ {H$`m ~H$ Ho$ bE Zr{V go em{gV hmoVr h&
Kaoby n[aMmbZm| Ho$ {bE Mb{Z{Y ~YZ Ho$ Ho$r` H$m` h Omo YmZ H$m`mb` Va
na ~{YV {H$`m OmVm h& {ZJamZr VWm {ZÙ Ho$ {bE VWm VmZr` {d{Z`mH$
H$m AZwnmbZ ^r òH$ Ho$ Ho$ jom{YH$ma AZwgma {dXoer Mb{Z{Y ~YZ {H$`m
OmVm h& ~H$ H$m AVam>r` ^mJ {dXoer Mb{Z{Y pW{V na {ZJamZr aIVm h
VWm YmZ H$m`mb` Va na Ho$pH$ $n go gnyU Mb{Z{Y {ZJamZr H$s OmVr h&
Main Drivers of LCR: The main drivers of the LCR is adequacy of High
Quality Liquid Assets (HQLA) and lower net cash outflow on account of
higher funding sources from retail customers. Adequate stock of HQLA
helped the Bank to improve LCR as the Bank is maintaining significant
amount of excess SLR.
Intra-period changes as well as changes over time: For the March
2015 quarter, the LCR during January 2015 (154.35%) and February
2015 (154.51%) months was consistent. However, in the month of
March2015 (94.26%), there was a fall in LCR on account of decrease in
stock of excess SLR but the same was above the regulatory requirement
of 60%.
Composition of HQLA: The composition of High Quality Liquid Assets
(HQLA) mainly consists of cash balances, excess SLR, excess CRR and
FALLCR (Facility to Avail Liquidity for Liquidity Coverage Ratio).
The composition of HQLA as on date of disclosure is given below:
Cash in hand
Excess CRR balance
15%
6%
Government securities in excess of minimum SLR Requirement
25%
Government securities within the mandatory SLR Requirement, to the extent allowed by RBI under MSF including
FALLCR (presently to the extent of 7percent of NDTL as
allowed for MSF)
51%
Marketable securities issued or guaranteed by foreign sovereigns having 0% risk weight under Basel II standardised
approach
3%
Concentration of funding sources: Majority of Banks funding sources

are from retail customers (about 60%) therefore the stressed outflows
are comparatively lower. However, in absence of any non-callable
option for term deposits, the Bank has considered almost all deposits
under outflow section as per RBI guidelines. Bank also does not have
funding concentration from any significant counterparty. A significant
counterparty is defined as a single counterparty or group of connected or
affiliated counterparties accounting in aggregate for more than 1% of the
banks total liabilities.
Derivative Exposures and potential collateral calls: Domestic
operation of the Bank has very little exposure in derivative business.
However, there is small derivative business in overseas operations but
the same is not very significant.
Currency mismatch in the LCR:In terms of RBI guidelines, a significant
currency is one where aggregate liabilities denominated in that currency
amount to 5 per cent or more of the banks total liabilities. In our case,
USD is the only significant currency therefore we also calculate LCR in
USD currency. There is no such stipulation given by the RBI to maintain
the LCR in significant currency up to a certain level. However, Bank is
endeavouring to improve its USD denominated LCR further, which is
presently at 39.16%.
Description of the degree of centralisation of liquidity management
and interaction between the groups units: The liquidity management
of the Bank at enterprise level is a Board level function and a separate
sub-committee of the Board (R.Com.) keeps close watch on that. The
periodical monitoring of the liquidity management is being monitored to
the ALCO on regular intervals. The entire liquidity management process
of the Bank being governed by ALM Policy of the Bank.
The liquidity management for domestic operations is the central function,
being managed at Head Office level. The overseas liquidity management
is being handled at each centre jurisdiction wise to keep close monitoring
and control and also to comply with the local regulatory requirements
as well. International Division of the Bank keep watch on the overseas
liquidity position and the overall liquidity monitoring is done at Head
Office level centrally.
87
/ BANK OF INDIA
EbgrAma n[aH$bZ | A` AmJZ Ama ~{hJZ EbgrAma gmm` Q>onboQ> |

A{^K{hV Zht hmoVm h {H$Vw AnZo Mb{Z{Y mo$mBb Ho$ {bE gWm Bgo Cn`w$
gPVr h : hmao `mZ | Eogm Zht h&
Other inflows and outflows in the LCR calculation that are not
captured in the LCR common template but which the institution
considers to be relevant for its liquidity profile: No such as per our
notice.
7. A` ZmoQ>
A) i AmH$pH$ Xo`VmAm| (AZwgyMr 12) Ho$ AVJV F$U Ho$ $n | Xmdm|
H$s A{^drH${V Zht br JB h {OgHo$ AVJV ` 961.37 H$amoS>
({dJV df | ` 857.58 H$amoS>) H$s {ddm{XV Am` H$a/ `mO
H$a Xo`VmE gp{bV h BZ Xmdm| Ho$ mbm| | nyd | A{^{ZYm[aV
{d{^ `m{`H$ {ddmXm| Ho$ AmYma na Amd`H$ H$a Ho$ mdYmZ na
{dMma Zht {H$`m J`m h& BZH$mo A` AmpV`m| (AZwgyMr 11) Ho$
AVJV ^wJVmZ/ gm`mo{OV VWm gp{bV H$a {b`m J`m h&
ii. H${Vn` {ddm{XV mbm| | {d{^mo `m{`H$ {ZU`m| na C{MV {dMma
{H$ò OmZo Ho$ ~mX df Ho$ {bE Am`H$a H$m mdYmZ {H$`m J`m h&
iii. Am`H$a hoVw ` 483.55 H$amoS> ({dJV df ` 368.82 H$amoS>) Ho$
mdYmZ H$mo {d{^ Anrb m{YH$m[a`m| Ho$ AZwHy$b {ZU`m] Ho$
AmYa na Bg df Ho$ XmamZ dmng amBQ>~H$ H$a {X`m J`m h&
7.
Other Notes
a)
~) Zd~a 2012 go ^mdr Vm{dV doVZ gemoYZ Ho$ bp~V gPmVo Ho$
{bE Bg df hoVw ` 540.06 H$amoS> ({nN>bo df ` 269.51 H$amoS> ) H$m
ES>hmH$ mdYmZ {H$`m J`m. `Wm 31 mM 2015 H$mo ` 879.57 H$amoS>
H$m gH${bV mdYmZ Ym[aV h. ( {nN>bo df ` 339.51 H$amoS> )
go{H$V {dmr` {ddaU go g~{YV {Q>n{U`m
1. AZwf{J`m| (gpgS>r[aO) Ho$ {ddaU {ZZmZwgma h {OZHo$ {dmr` {ddaUn ~H$
(yb ~H$) Ho$ EH$b {dmr` {ddaU n Ho$ gmW go{H$V h :
I.
Claims against the Bank not acknowledged as debt under

contingent liabilities (Schedule 12) include disputed
income tax / interest tax liabilities of ` 961.37 Crores
(previous year ` 857.58 Crores) for which no provision is
considered necessary based on various judicial decisions
for past assessments on such disputes. Payments/
adjustments against the said disputed dues are included
under Other Assets (Schedule 11).
II.
Provision for income tax for the year is arrived at after due
consideration of the various judicial decisions on certain
disputed issues.
III. During the year, the Bank has written back Provision for
Taxation pertaining to earlier years of `483.55 Crores
(previous year ` 368.82 Crores) based on orders of
Income Tax Authorities.
b) Pending settlement of the wage revision effective from
November 2012, provision of `540.06 Crores for the year
(Previous year ` 269.51 Crores) has been made. The
aggregate provision held as on 31st March, 2015 is ` 879.57
Crores (Previous year ` 339.51 Crores).
AZwf{J`m| H$m Zm
Income Tax:
Notes from Consolidated Financial Statements:

1.
Particulars of the subsidiaries whose financial statements are

consolidated with the standalone financial statement of Bank of
India (the Parent Bank) are as under:
Names of Subsidiaries
em{b (BH$mnm}aoeZ) Xoe
Country of Incorporation
`Wm 31.03.2015 `Wm 31.03.2014

H$mo yb ~H$ mam
H$mo yb ~H$ mam
dm{d H$m
dm{d H$m
AZwnmV
AZwnmV
Proportion of
Ownership
by the Parent
bank as on
31.03.2015
Proportion of
Ownership
by the Parent
bank as on
31.03.2014
^maV / India
^maV /India
^maV /India
^maV /India
51%
51%
51%
100%
51%
51%
51%
dXoer AZwf{J`m :
~rAmoAmB eoàhmopS>J {b.
~rAmoAmB Agm BdoQ>|Q> ZoOg m.{b.
~rAmoAmB Agm QQ>r g{dgoO m.{b
~rAmoAmB MQ> ~H$g {b
{dXoer AZwf{J`m:
H$) nrQ>r ~H$ Am$ B{S>`m BS>moZo{e`m Q>r~rHo$
Domestic Subsidiaries:
PT Bank of India Indonesia

Tbk
BS>moZo{e`m
Indonesia
76%
76%
I) ~H$ Am$ B{S>`m (VOm{Z`m) {b{Q>oS>

J) ~H$ Am$ B{S>`m (`yOrbS>) {b{Q>oS>
Bank of India (Tanzania) Ltd.
VOm{Z`m
`yOrbS>
Tanzania
New Zealand
100%
100%
100%
100%
K) ~H$ Am$ B{S>`m (`wJmS>m) {b{Q>oS>
Bank of India (Uganda) Ltd.
`wJmS>m
Uganda
100%
100%
L) ~H$ Am$ B{S>`m (~modmZm) {b{Q>oS>
Bank of India (Botswana) Ltd.
~modmZm
Botswana
100%
100%
BOI Shareholding Ltd.

BOI AXA Investment Managers Pvt Ltd.
BOI AXA Trustee Services Pvt Ltd.
BOI Merchant Bankers Ltd.
NA
Overseas Subsidiaries:
Bank of India (New Zealand)

Ltd.
88
/ BANK OF INDIA
2. go{H$V {ddaU nm| | {dMma H$s J`r gh`moJr H$n{Z`m| Ama g`w$ C{`m| Ho$
{ddaU Bg H$ma h:
(i)
Names of Associates
em{b Xoe
gh`moJr H$n{Z`m:
H$) jor` JmrU ~H$i) PmaIS> JmrU ~H$
ii) ZXm mbdm JmrU ~H$
iii) {dX^ H$moH$U JmrU ~H$
iv) Am`dV JmrU ~H$
I) BS >mo Omp~`m ~H$ {b.
J) EgQ>rgrAmB $mBZg {b.
K) EEgAmaBgr (B{S>`m) {b.
`Wm
`Wm
31.03.2015 31.03.2014
H$mo yb ~H$ H$mo yb ~H$
mam dm{d mam dm{d
H$m AZwnmV
H$m AZwnmV
Country
of Incorp
oration
Proportion
of
Ownership
by the
Parent
bank as on
31.03.2015
Proportion
of
Ownership
by the
Parent
bank as on
31.03.2014
India
India
India
India
35%
35%
35%
35%
35%
35%
35%
35%
Zambia
20%
20%
Domestic Subsidiaries:
^maV
^maV
^maV
^maV
Omp~`m
^maV
^maV
35%
35%
35%
35%
35%
35%
a) Regional Rural Banksi) Jharkhand Gramin Bank

ii) Narmada JhabuaGramin Bank
iii) VidharbaKonkanGramin Bank
iv) Gramin Bank of Aryavart
35%
35%
20%
20%
29.96%
29.96%
c) STCI Finance Ltd.
India
29.96%
29.96%
26.02%
26.02%
d) ASREC (India) Ltd.
India
26.02%
26.02%
b) Indo Zambia Bank Limited
ii) Joint Venture:
g`w$ C:
g`w$ Cm| Ho$ Zm
Particulars of associates and joint venture considered in the

Consolidated Financial Statements are as under :
(i) Associates:
gh`moJr H$n{Z`m:
gh`mo{J`m| Ho$ Zm
(ii)
2.
em{b
Xoe
Names of Associates
Country
of Incorp
oration
Star Union Dai-ichi Life

Insurance Company Limited
India
`Wm 31.03.2015 `Wm 31.03.2014 H$mo

H$mo yb ~H$ mam yb ~H$ mam dm{d
dm{d H$m AZwnmV
H$m AZwnmV
48%
48%
Q>ma `y{Z`Z XmB-BMr ^maV

OrdZ ~rm H$nZr {b.
3. BZ AZwf{J`m|, g`w$ C{`m| Ed gh`mo{J`m| Ho$ {ddaUn Omo goH$Z |
BVomb {H$E OmVo h yb ~H$ H$s `Wm [anmo{Q>J VmarI AWmV 31 mM,
2015 VH$ ~ZmE JE h, {gdm` EH$ ghm`H$ H$nZr - BS>mo Omp~`m ~H$
{b{Q>oS> (AmBOoS>~rEb) Ho$& AmBOoS>~rEb Ho$ {dmrJ` {ddaU 31 {Xg~a,
2014 VH$ V`ma {H$E JE Wo Ama 31 mM 2015 H$mo gmd {Vmhr Ho$ {bE
H$moB hd>nyU g`dhma [anmoQ> Zht {H$E JE Wo&
4. dXoer AZwf{J`m|/g`w$ C{`m|/gh`mo{J`m| Ho$ mbo |, yb ~H$ Ama
AZwf{J`m|/g`w$ C{`m|/gh`mo{J`m| mam AnZm`r J`r {^-{^ boImH$Z
nm{b{g`m| Ho$ H$maU Cn boImJV gm`moOZ AZwf{J`m|/g`w$ C/
gh`mo{J`m| mam wh`m H$amE JE S>mQ>m Ho$ AmYma na {H$E JE h&
5. go{H$V {dmr` {ddaU n {ZZ Ho$ AmYma na V`ma {H$E JE h :
(i) nrQ>r ~H$ Am$ B{S>`m BS>moZo{e`m Q>r~rHo$ Ho$ `Wm 31.03.2015 Ho$
{dmr` {ddaUn ~YZ mam m{UV h Ama dV grjmH$Vm mam
gr{jV h Ama em{b Xoe H$s WmZr` AnojmAm| Ho$ AZw$n dV
grjH$ mam CgH$s grjm H$s JB h&
(ii) ~H$ Am$ B{S>`m (VOm{Z`m) Ho$ `Wm 31.03.2015 Ho$ {ddaUn ~YZ
mam m{UV h Ama dV grjH$ mam gr{jV h& ~H$ Am$ B{S>`m
(VOm{Z`m) Ho$ `Wm 31.012.2014 Ho$ {ddaU n em{b Ho$ Xoe H$s
WmZr` AnojmAm| Ho$ wVm{~H$ boIm nar{jV h&
(iii) ~H$ Am$ B{S>`m (Z`yOrbS>) {b. Ho$ `Wm 31.03.2015 Ho$ {dmr`
{ddaUn ~YZ mam m{UV h Ama dV grjH$ mam gr{jV h&
(iv) ~H$ Am$ B{S>`m (`wJmS>m) {b. Ho$ `Wm 31.03.2015 Ho$ {ddaUn
~YZ mam m{UV h Ama WmZr` AnojmAm| Ho$ AZw$n dV grjH$
Proportion of Proportion of
Ownership Ownership
by the Parent by the Parent
bank as on bank as on
31.03.2015 31.03.2014
48%
48%
3.
The financial statements of the subsidiaries, joint ventures and

associates which are used in the consolidation have been drawn
upto the same reporting date as that of the Parent Bank i.e. 31st
March 2015 except for an associate IndoZambia Bank Limited
(IZBL). IZBLs financial statements were prepared up to 31st
December 2014 and reported no significant transaction for the
quarter ended 31st March 2015.
4.
In case of Domestic subsidiaries/ joint venture/ associates,

accounting adjustments arising due to different accounting policies
followed by Parent Bank and subsidiaries/ joint venture/ associates
have been carried out on the basis of data provided by subsidiaries/
joint venture/ associates.
5.
The Consolidated Financial Statements have been prepared on the

basis of :
(i)
Financial statements of PT Bank of India Indonesia Tbkas

on 31.03.2015certified by the Management and reviewed by
an independent reviewer as per the local requirements of the
country of incorporation.
(ii) Financial statements of Bank of India (Tanzania) Ltd.as on

31.03.2015 certified by the Management and reviewed by
an independent reviewer.The Financial Statements as at
31.12.2014of Bank of India (Tanzania) Ltd. has been audited
as per the local requirements of the country of incorporation.
(iii) Financial statements of Bank of India (New Zealand) Ltd. as on
31.03.2015 certified by the Management and reviewed by an
independent reviewer.
(iv) Financial statements of Bank of India (Uganda) Ltd. as on
31.03.2015 certified by the Management and reviewed by
89
/ BANK OF INDIA
mam CgH$s grjm H$s JB h&

(v) ~H$ Am$ B{S>`m (~mogdmZm) {b. Ho$ `Wm 31.03.2015 Ho$ {ddaUn
~YZ mam m{UV h Ama WmZr` AnojmAm| Ho$ AZw$n dV grjH$
mam CgH$s grjm H$s JB h&
(vi) 31.03.2015 H$mo gm {dmr` df Ho$ {bE ~rAmoAmB eoà hmopS>J
{b., Q>ma `y{Z`Z XmB-BMr bmB$ B`moaog H$nZr {b., EgQ>rgrAmB
$mBZ|g {b., PmaIS> JmrU ~H$, {dX^ H$m|H$U JmrU Ho$ boIm
nar{jV {ddaUn Ama 31.12.2014 H$mo gm Zm hrZm| Ho$ {bE BS>mo
~H$ Omp~`m ~H$ {b. Ho$ boIm nar{jV {ddaUn.
(vii) 31.03.2015 H$mo gm df Ho$ {bE ~rAmoAmB Agm BdoQ>|Q> ZoOg
m. {b., ~rAmoAmB Agm QQ>rBO g{dgoO m.{b., EEgAmaBgr
(B{S>`m) {b., ZXm P~wAm JmrU ~H$ Ed Am`dV JmrU ~H$ Ho$ {~Zm
boIm nar{jV {ddaUn CZHo$ ~YZ mam m{UV h&
10. (~r) boImH$Z mZH$ 17 - IS> [anmoQ> H$aZm

^mJ H$: H$mamo~ma IS>H$mamo~ma IS>
Business
Segment
H$mofmJma n[aMmbZ
Treasury Operations
2014-15
amOd
Ja-Am~{Q>V amOd
Revenue
Unallocated
Revenue
AVa IS> amOd
2013-14
(v) Financial statements of Bank of India (Botswana) Ltd. as on

31.03.2015 certified by the Management and reviewed by an
independent reviewer as per the local requirements of the
(vi) Audited financial statements of BOI Shareholding Ltd., BOI
Merchant Bankers Ltd., BOI AXA Investment Managers Pvt.
Ltd., BOI AXA Trustee Services Pvt. Ltd.,Star UnionDai-ichi
Life Insurance Company Ltd.,STCI Finance Ltd., Jharkhand
Gramin Bank for the financial year ended 31.03.2015and Indo
Zambia Bank Ltd.for the nine months ended 31.12.2014.
(vii) Unaudited financial statements of ASREC (India) Ltd.,
Vidharbha Konkan Gramin Bank, Narmada JhabuaGramin
Bank and Gramin Bank of Aryavartfor the financial year ended
31.03.2015 certified by their management.
10. (B) S 17 Segment Reporting

Part A: Business Segment
(`
WmoH$ ~qH$J n[aMmbZ
Wholesale Banking
Operations
2014-15
2014-15
IwXam ~qH$J n[aMmbZ
Retail Banking
Operations
2014-15
2013-14
H$amoS> |/` in crore)

Hw$b
Total
2014-15
2013-14
11725.45
21934.90
20015.28
13057.57
10347.02
47914.42
42087.75
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
172.28
424.59
Inter Segment
Revenue
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
123.75
68.16
Hw$b amOd
n[aUm
Ja-Am~{Q>V ``
Total Revenue
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
47962.95
42444.18
1776.43
1882.88
750.07
1270.32
191.23
985.76
2717.73
4138.96
Unallocated
Expenses
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
(601.40)
(317.70)
n[aMmbZ bm^
Am`H$a
AgmYmaU bm^/
hm{Z
{Zdb bm^
A` OmZH$mar :
Operating profit
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
2116.33
3821.26
Income Tax
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
103.42
834.49
Extraordinary
profit/loss
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
0.00
0.00
Net Profit
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
2012.91
2986.78
IS> AmpV`m
Ja Am~{Q>V
AmpV`m
Hw$b AmpV`m
IS> Xo`VmE
Segment Assets
187902.71
171,372.11
317373.16
296,639.52
102949.21
97440.13
608225.08
561,451.76
Unallocated
Assets
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
17059.66
16702.85
Total Assets
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
625284.74
578,154.60
180549.59
164,590.94
304581.81
280858.89
99138.12
93602.23
584269.52
539,052.06
Ja Am~{Q>V Xo`VmE
Unallocated
Liabilities
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
8492.38
8,328.81
Results
12921.95
an independent revieweras per the local requirements of the

Other
Information
Segment
Liabilities
Hw$b Xo`VmE
Total Liabilities
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX 592761.90 547,380.87
ZmoQ> Ja ~qH$J AZwf{J`m|/ g`w$S> Cm| go g~{YV gyMZm H$mo AZm~{Q>V IS> Ho$ Note: Information in respect of Non-banking subsidiaries / joint ventures
has been included under unallocated segments.
AVJV em{b {H$`m J`m h&
90
/ BANK OF INDIA

^mJ I : ^mJmo{bH$ IS>
Part B: Geographical Segment

(Amount in ` crore)
(am{e ` H$amoS> |)
^mJmo{bH$ IS>
Geographical Segments
dXoer
Domestic
AVam>r`
International
Hw$b
Total
Particulars
2014-15
2013-14
2014-15
2013-14
2014-15
2013-14
{ddaU
Revenue
42682.31
37859.62
5280.64
4584.56
47962.95
42444.18
amOd
Assets
458875.86
427879.02
166408.88
150275.58
625284.74
578154.60
AmpV`m
~H$ Zo boImH$Z mZH$ (EEg) 17 Ho$ AZwnmbZ | ^maVr` [aOd ~H$ Ho$ {Xem- The BOI group has recognised Business Segments as Primary
reporting segment and Geographical Segments as Secondary
{ZX}em| Ho$ AZw$n H$mamo~mar IS> H$mo mW{H$ [anmo{Q>J IS> Ama ^mJmo{bH$ IS> H$mo
segment in line with RBI guidelines in compliance with AS 17.
JmU IS> Ho$ $n | m`Vm Xr h&
I. Primary Segment: Business Segments
i) mW{H$ IS> : H$mamo~mar IS>
1. Treasury Operations: Treasury for the purpose of Segment
H$) H$mofmJma n[aMmbZ : IS> [anmo{Q>J Ho$ Co` hoVw H$mofmJma | gnyU {Zdoe
Reporting includes the entire investment portfolio i.e. dealing in
g{d^mJ em{b h Ogo gaH$mar VWm A` {V^y{V`m, wm ~mOma
Government and other Securities, Money Market Operations
n[aMmbZ VWm $maog n[aMmbZ | boZXoZ&
and Forex Operations.
I) WmoH$ ~qH$J : WmoH$ ~qH$J | dh g^r A{J gp{bV h Omo IwXam ~qH$J
2. Wholesale Banking: Wholesale Banking includes all advances
Ho$ AVJV gp{bV Zht {H$E JE h&
which are not included under Retail Banking.
J) IwXam ~qH$J : IwXam ~qH$J | dh {Zdoe gp{bV h Omo {ZZ{bpIV Xmo
3. Retail Banking : Retail Banking includes exposures which fulfil
mZXS>m| H$mo nyU H$aVo h :
following two criteria:
i) EgnmoOa : A{YH$V Hw$b EgnmoOa ` 5 H$amoS> VH$&
i) Exposure The maximum aggregate exposure up to ` 5 Crore
ii) Hw$b dm{fH$ Q>ZAmoda ` 50 H$amoS> go H$ AWmV mOyXm H$n{Z`m|
ii) The total annual turnover is less than` 50 crore i.e. the average
Ho$ mbo | {dJV 3 dfm] H$m AmgV Q>ZAmoda Ama ZB H$n{Z`m|
turnover of the last three years in case of existing entities and
Ho$ {bE nydmZwm{ZV Q>ZAmoda h&
projected turnover in case of new entities.
K) AVa IS>r` AVaUm| H$m y` {ZYmaU
4. Pricing of Inter-Segmental transfers
IwXam ~qH$J IS> EH$ mW{H$ moV gJh BH$mB h Ed WmoH$ IS> Ama Retail Banking Segment is a Primary resource mobilising unit
H$mofmJma IS>, IwXam ~qH$J IS> H$mo CgHo$ mam CYma Xr JB {Z{Y`m|
and Wholesale Segment and Treasury Segment compensates
H$s j{Vny{V Omam{e`m| H$s AmgV bmJV H$mo {>JV aIVo hE H$aVo h&
the Retail banking segment for funds lent by it to them taking into
consideration the average cost of deposits incurred by it.
L) bmJV H$m {d{Z`moOZ
- {deof IS> H$mo grYo XmZ {H$E JE ``m| H$mo g~{YV IS> | 5. Allocation of Costs
{d{Z`mo{OV {H$`m J`m h&
-
Expenses directly attributed to particular segment are allocated
to the relative segment
- {deof IS> H$mo grYo Z XmZ {H$E JE ``m| H$mo H$Mm[a`m|/
-
Expenses not directly attributable to specific segment are
gMm{bV H$mamo~ma H$s g`m Ho$ AZwnmV | {d{Z`mo{OV {H$`m J`m
allocated in proportion to number of employees / business
h&
managed.
ii) JmU IS> : ^mJmo{bH$ IS>
II) Secondary Segment: Geographical Segments
H$) dXoer n[aMmbZ
b) Domestic Operations
I) AVam>r` n[aMmbZ
c) International Operations
10. (Or) boImH$Z mZH$ 27 g`w$> Cm| | {Zdoe H$s {dmr [anmo{Q>J:
g`w$ $n go {Z`{V {ZH$m`m| | gyh Ho$ {Zdoe go g~{YV AmpV`m|, Xo`VmAm|, 10. (G) AS 27 Financial Reporting of Interests in Joint Ventures:

Aggregate amount of assets, liabilities, income and expenses
Am` Ed ``m| H$s Hw$b am{e:
related to the groups interest in jointly controlled entities:
(` H$amoS> | )
(` in crore)
{ddaU
31.03.2015 31.03.2014
Particulars
31.03.2015 31.03.2014
Xo`VmE
Liabilities
nyOr Ed Ama{j{V`m
0.00
0.00
Capital & Reserves
0.00
0.00
Omam{e`m
0.00
0.00
Deposits
0.00
0.00
CYma
0.00
0.00
Borrowings
0.00
0.00
A` Xo`VmE Ed mdYmZ
2635.25
2243.16
Other Liabilities & Provisions
2635.25
2243.16
Hw$b
2635.25
2243.16
Total
2635.25
2243.16
91
/ BANK OF INDIA
{ddaU
AmpV`m
^maVr` [aOd ~H$ | ZH$Xr Ama eof am{e`m
~H$m| | eof Ama mJ na VWm An gyMZm na
m` YZ
{Zdoe
A{J
AMb AmpV`m
A` AmpV`m
Hw$b
nyOrJV ~m`VmE
A` AmH$pH$ Xo`VmE
Am`
A{OV `mO
A` Am`
Hw$b
``
`` {H$`m J`m `mO
n[aMmbZ `m`
mdYmZ Ed AmH$pH$VmE
Hw$b
bm^ / (hm{Z)

Particulars
31.03.2015 31.03.2014
31.03.2015
31.03.2014
Assets
1.35
22.07
1.13
32.16
2461.20
3.51
3.15
143.97
2635.25
0.00
0.00
1986.31
1.41
7.00
215.16
2243.16
0.00
0.00
Cash and Balances with Reserve Bank of

India
1.35
1.13
Balances with Banks and Money at call

and short notice
22.07
32.16
2461.20
1986.31
Advances
3.51
1.41
Fixed Assets
3.15
7.00
Other Assets
143.97
215.16
2635.25
2243.16
Capital Commitments
0.00
0.00
Other Contingent Liabilities
0.00
0.00
Interest Earned
5.08
8.62
Other Income
2.80
0.00
Total
7.88
8.62
Interest Expended
0.00
0.00
Operating Expenses
3.94
33.07
Provisions & Contingencies
0.00
0.00
Total
3.94
33.07
Profit / (Loss)
3.94
(24.45)
Investments
Total
Income
5.08
2.80
7.88
8.62
0.00
8.62
Expenditure
0.00
3.94
0.00
3.94
3.94
0.00
33.07
0.00
33.07
(24.45)
14. Ohm H$ht Amd`H$ gPm J`m h {dJV df Ho$ AmH$S>m| H$mo nwZ:gy{hV/
nwZ:`dpWV {H$`m J`m h&
14. Previous years figures have been regrouped/rearranged, wherever

considered necessary.
92
/ BANK OF INDIA

Independent Auditors Report on abridged
Financial Statements
g{j {dmr` {ddaU na dV boIm narjH$m| H$s [anmoQ>

{V,
~H$ Am$ B{S>m Ho$ eoaYmaH$
g{j {dmr` {ddaU na dV boIm narjH$m| H$s [anmoQ>
gb g{j {dmr` {ddaU {Og| Q>S> AbmoZ VWm go{H$V (H$) g{j$ VwbZ
n `Wm 31 mM, 2015, (I) g{j bm^ VWm hm{Z ImVm Ama (J) gm{ hE
df H$m g{j ZH$Xr dmh, Ama g~{YV {Q>n{U`m em{b h Omo 31 mM, 2015
H$mo gm df Ho$ {bE ~H$ Am$ B{S>`m Ho$ boImnar{jV Q>S AbmoZ Ama go{H$V
{dmr` {dda{U`m| go {b`m J`m h& hmao {XZmH$ 28 B, 2015 Ho$ [anmoQ> | hZo
CZ {dmr` {ddaUm| na An[ad{VV boIm A{^V `$ {H$`m h&
g{j {dmr` {ddaU | ~H$ Ho$ boImnar{jV {dmr` {ddaU H$s V`mar | bmJy
boImH$Z mZH$m| Ho$ {bE Amd`H$ g^r H$Q>Z em{b Zht h& AV: g{j {dmr`
{ddaU H$mo nT>m OmZm ~H$ Ho$ boImnar{jV {dmr` {ddaU H$mo nT>Zo H$s OJh Zht
bo gH$Vm&
g{j {dmr` {dda{U`m| Ho$ {bE ~YZ H$s {OoXmar
{dm mb`, ^maV gaH$ma mam CZHo$ n {XZmH$ 1 AJV, 2012 | Omar {Xem{ZX}em| Ho$ AZw$n {dmr` {ddaUm| H$m gmame V`ma H$aZo H$s {OoXmar ~YZ H$s h,
Omo 31 mM, 2014 H$mo gm df Ho$ {bE boImn[a{jV {dmr` {ddaUm| Ho$ AmYma
na ^maV | drH$V {d{Z`mH$ {Xem{ZX}em|, boImH$Z mZH$m| Ama boImH$Z {gmVm|
na V`ma {H$`m J`m h&
boIm narjH$ H$s {OoXmar
hmar {OoXmar `h h {H$ h AnZr H$m`{d{Y, Omo ^maVr` gZXr boImH$ma gWmZ
mam Omar boImH$Z mZH$ (EgE) 810, g{j {dmr` {ddaU na [anmoQ> H$aZo Ho$
{Z` Ho$ AZw$n {H$E JE h, Ho$ AmYma na g{j {dmr` {ddaU na AnZr am`
`$ H$a| &
am`
hmar am` | g{j {dmr` {ddaU {dm mb`, ^maV gaH$ma Ho$ n {XZmH$ 1
AJV, 2012 Ho$ VhV Omar {Xem{ZX}em| Ho$ AZwgma V`ma H$s JB h Ama `h 31
mM, 2015 H$mo gm df Ho$ {bE ~H$ Ho$ boImn[a{jV {dmr` {ddaUm| go br JB
h Ama CZ {dmr` {dda{U`m| H$m C{MV gmame h&
To the Shareholders of Bank of India

Report on the abridged Financial Statements
The accompanying abridged Financial Statements, which comprise
the Standalone and consolidated (a) abridged Balance Sheet as at 31st
March, 2015 (b) the abridged Profit and Loss Account and (c) abridged
Cash Flow Statement for the year then ended, and related notes are
derived from the audited standalone and consolidated Financial
Statements of Bank of India (the Bank) for the year ended 31st March
2015. We expressed an unmodified opinion audit opinion on those
Financial Statements in our report dated 28th May, 2015.
The abridged financial statements do not contain all the disclosures
required by the Accounting Standards applied in the preparation of the
audited financial statements of the Bank. Reading the abridged Financial
Statements, therefore, is not a substitute for reading the audited financial
statements of the Bank.
Managements Responsibility for the Financial Statements
The Management is responsible for the preparation of summary of
financial statements in accordance with guidelines issued by Ministry of
Finance, Government of India vide their letter dated 1st August, 2012,
which are based on the audited financial statements for the year ended
31st March, 2015 prepared in accordance with regulatory guidelines,
accounting standards and accounting policies generally accepted in
India.
Auditors Responsibility
Our responsibility is to express an opinion on the abridged financial
statements based on our procedures which are conducted in accordance
with Standard of Auditing (SA) 810, Engagements to report on summary
financial statements issued by the Institute of Chartered Accountants
of India.
Opinion
In our opinion, the abridged financial statements prepared in accordance
with guidelines issued by Ministry of Finance, Government of India vide
their letter dated 1st August, 2012, are derived from the audited financial
statements of the bank for the year ended 31st march,2015 and are a fair
summary of those financial statements.
ogg BgmH$ ES> gwaoe

^mJrXma Partner
E. H$. 028648 M. No. 028648
(E$AmaEZ 000593EZ) (FRN 000593N)
^mJrXma Partner
E. H$. 084225 M. No. 084225

^mJrXma Partner
E. H$. 044577 M. No. 044577
(E$AmaEZ 002830EZ) (FRN 002830N)
^mJrXma Partner
E. H$. 081784 M. No. 081784

^mJrXma Partner
E. H$.098641 M. No. 098641
(E$AmaEZ 011798EZ) (FRN 011798N)
^mJrXma Partner
E. H$. 095399 M. No. 095399
M/s. Isaac & Suresh

(E$AmaEZ 001150Eg) (FRN 001150S)

(E$AmaEZ 107122S>`y) (FRN 107122W)
{XZmH$ : 28 B, 2015 / Date : 28th May, 2015
93
M/s. D. Singh & Co.

(E$AmaEZ 001351EZ) (FRN 001351N)
/ BANK OF INDIA
dV boIm narjH$m| H$s [anmoQ>
{V, ^maV Ho$ am>n{V,

{dmr` {dda{U`m| na [anmoQ> :1. hZo ~H$ Am$ B{S>`m (~H$) Ho$ `Wm 31 mM, 2015 H$s {dmr` {dda{U`m|
H$s boIm narjm H$s h {OgHo$ gmW `Wm 31 mM, 2015 H$m VwbZ n,
bm^-hm{Z ImVm, Cg g` gm df H$m ZH$X dmh {ddaU Ed hdnyU
boImH$Z Zr{V`m| H$m gmame VWm A` `m`mH$ gyMZm gb Wo& BZ {dmr`
{dda{U`m| | {ZZ{bpIV {dda{U`m em{b h : E) hmao mam boIm nar{jV YmZ H$m`mb` Ama 20 emImE (QoOar emIm
g{hV),
~r) A` boIm narjH$m| mam boIm nar{jV 2100 Kaoby emImE, Ama
gr) WmZr` boIm narjH$m| mam boIm nar{jV 25 {dXoer emImE
~H$ Zo hmao mam boIm nar{jV Ed A` boIm narjH$m| mam boIm
nar{jV emImAm| H$m M`Z, ^maVr` [aOd ~H$ mam Omar {Xem{ZX}em| Ho$
AZwgma {H$`m h&
VwbZ n Ed bm^ hm{Z ImVo | CZ 2772 Kaoby emImAm| H$s {dda{U`m|
H$m ^r gmdoe h, Omo boIm narjm Ho$ A`YrZ Zht h& ò Ja-boIm
nar{jV emImE 5.54 % A{J, 16.33 % Omam{e`m, 4.97 %
`mO Am` Ama 15.00 % `mO `` H$m `moJXmZ H$aVr h&
{dmr` {dda{U`m| Ho$ {bE ~YZ H$s {OoXmar 2. BZ {dmr` {ddaUm| H$mo V`ma H$aZo H$m CmaXm{`d ~YZ H$m h Omo ^maVr`
[aOd ~H$ H$s AmdH$VmAm|, ~H$H$mar {d{Z`Z A{Y{Z`, 1949,
~H$H$mar H$nZr (CnH$m| H$m AOZ Ama AVaU) A{Y{Z`, 1970 Ho$
mdYmZm|, ^maVr` gZXr boImH$ma gWmZ mam Omar {H$E JE boImH$Z mZH$m|
g{hV m`Vm m boImH$Z WmAm| Ho$ AZwgaU | V`ma {H$`m OmVm h & BZ
{OoXm[a`m| | YmoImYS>r `m JbVr Ho$ H$maU VmpdH$ Aew H$WZm| go w$
{dmr` {dda{U`m| H$s V`mar hoVw gJV AmV[aH$ {ZÙm| H$s V`mar, H$m`md`Z
Ed aIaImd em{b h&
boIm narjH$ H$s {OoXmar :3. hmar {OoXmar `h h {H$ h BZ {dmr` {ddaUm| na AmYm[aV hmar boIm
narjm na AnZr am` `$ H$ao& ^maVr` gZXr boImH$ma gWmZ mam Omar
boIm narjm Ho$ mZH$m| Ho$ AZw$n hZo AnZm boIm narjm H$m` {H$`m h&
BZ mZH$m| H$s `h Anojm Wr {H$ h Z{VH$ AnojmAm| H$m AZwnmbZ H$a| Ama
boIm narjm H$s `moOZm Bg Vah ~ZmE Ed CgH$m {H$`md`Z Bg Vah H$a| {H$
h Bg g~Y | Bg ~mV H$m gw{MV AmdmgZ m H$a| {H$ {dmr` {ddaU
VmpdH$ Aew H$WZm| go w$ h&
4. {H$gr boIm narjm |, {dmr` {dda{U`m| H$s am{e`m| Ama H$Q>Zm| Ho$ ~mao |
boImnarjm gm` m H$aZo hoVw {H$`mE em{b hmoVr h& M`{ZV {H$`mE
boImnarjH$ Ho$ {ZU` na {Zâ hmoVr h {Og| {dmr` {dda{U`m| |, YmoImYS>r
`m JbVr H$s dOh go, VmpdH$ Aew H$WZm| Ho$ OmopIm| H$m AmH$bZ em{b
h& BZ OmopI AmH$bZm| H$mo H$aZo |, BZ n[apW{V`m| Ho$ {bE gw{MV boIm
narjm {H$`mE V`ma H$aZo hoVw ~H$ H$s V`mar Ed {dmt` {dda{U`m| H$s `m`
gJV Vw{V hoVw gJV AmV[aH$ {ZÙm| na boIm narjH$ {dMma H$aVm h
Z {H$ ~H$ H$s AmV[aH$ {ZÙ H$s ^mderbVm na EH$ am` ` H$aZo Ho$
Co` Ho$ {bE& {H$gr boIm narjm | ~YZ mam `w$ boImH$Z Zr{V`m| H$s
Cn`w$Vm Ama boImH$Z AZwmZm| H$s {ddgZr`Vm VWm {dmr` {dda{U`m| H$s
gJ Vw{V H$m y`mH$Z ^r em{b h&
5. hmam {ddmg h {H$ hmao mam m {H$E JE boIm narjm gm` n`m h Ama
hmar boIm narjm am` Ho$ {bE C{MV AmYma XmZ H$aVr h &
A{^V
6. hmar am` |, hmar gdm}m OmZH$mar Ama h| {XE JE n>rH$aUm| Ed ~H$
H$s ~{h`m| | XemE AZwgma :
E) hdnyU boImH$Z Zr{V`m| Ama Cg na {Q>n{U`m| Ho$ gmW n{R>V VwbZn Amd`H$ {ddaUm| dmbm nyU Ama C{MV VwbZ-n h Ama ghr
VarHo$ go V`ma {H$`m J`m h Vm{H$ `Wm 31 mM, 2015 H$mo ~H$ H$s
J{V{d{Y`m| H$m ^maV | gmm`V: drH$V boImH$Z {gmVm| Ho$ AZw$n,
ghr Ama C{MV n[a` VwV hmo&
Independent Auditors Report

To
The President of India
Report on the Financial Statements
1. We have audited the accompanying financial statements of Bank of
India (the Bank) as at March 31, 2015, which comprise the Balance
Sheet as at March 31, 2015, the Profit and Loss Account and the
Cash Flow Statement for the year then ended and a summary of
significant accounting policies and other explanatory information.
Incorporated in these financial statements are the returns of

a. The Head office and 20 branches (Including Treasury Branch)
audited by us;

b. 2100 domestic branches audited by other auditors; and

c. 25 foreign branches audited by local auditors.

The branches audited by us and those audited by other
auditors have been selected by the Bank in accordance with
the guidelines issued by the Reserve Bank of India.

Also incorporated in the Balance Sheet and the Profit and Loss
Account are the returns from 2772 domestic branches which
have not been subjected to audit. These unaudited branches
account for 5.54% of advances, 16.33% of deposits, 4.97% of
interest income and 15.00% of interest expenses.
Managements Responsibility for the Financial Statements
2. The Management is responsible for the preparation of these
financial statements in accordance with the requirement of Reserve
Bank of India, provisions of the Banking Regulation Act, 1949,
Banking Companies (Acquisition and Transfer of Undertakings) Act,
1970, recognised accounting practices including the Accounting
Standards issued by the Institute of Chartered Accountants of
India. This responsibility includes the design, implementation and
maintenance of internal control relevant to the preparation of the
financial statements that are free from material misstatement,
whether due to fraud or error.
3. Our responsibility is to express an opinion on these financial
statements based on our audit. We conducted our audit in
accordance with the Standards on Auditing issued by the Institute
of Chartered Accountants of India. Those Standards require that
we comply with ethical requirements and plan and perform the
audit to obtain reasonable assurance about whether the financial
statements are free from material misstatement.
4. An audit involves performing procedures to obtain audit evidence
about the amounts and disclosures in the financial statements. The
procedures selected depend on the auditors judgement, including
the assessment of the risks of material misstatement of the financial
statements, whether due to fraud or error. In making those risk
assessments, the auditor considers internal control relevant to the
banks preparation and fair presentation of the financial statements
in order to design audit procedures that are appropriate in the
circumstances, but not for the purpose of expressing an opinion
on the effectiveness of the Banks internal control. An audit also
includes evaluating the appropriateness of accounting policies
used and the reasonableness of the accounting estimates made by
management, as well as evaluating the overall presentation of the
financial statements.
5. We believe that the audit evidence we have obtained is sufficient
and appropriate to provide a basis for our audit opinion.
Opinion
6. In our opinion, as shown by books of Bank, and to the best of our
information and according to the explanations given to us:

a. The Balance Sheet, read with significant accounting policies
and notes thereon is a full and fair Balance Sheet containing all
the necessary particulars, is properly drawn up so as to exhibit
a true and fair view of state of affairs of the Bank as at March
94
/ BANK OF INDIA
~r) hdnyU boImH$Z Zr{V`m| Ama Cgna {Q>n{U`m| Ho$ gmW n{R>V bm^
Ama hm{Z ImVm, ImVo mam H$da {H$E JE df Ho$ {bE, gmm`V: ^maV
| drH$V boImH$Z {gmVm| Ho$ AZw$n bm^ H$m ghr VwbZ XemVm h;
Ama
gr) ZH$Xr dmh {ddaU, Cg VmarI H$mo gm df Ho$ {bE ZH$Xr dmh H$m
ghr d C{MV VwV H$aVm h&
Bg mbo H$m ^md 7. h {ZZ H$s Amoa `mZ AmH${fV H$aVo h :
H$) EH$ df VH$ g{XY loUr (OmZVr {hgm ) Ho$ $n | EZnrE dJuH$V
Ho$ mdYmZrH$aU Ho$ {bE boImH$Z Zr{V | n[adVZ go g~pYV {dmr`
{ddaU Ho$ ZmoQ> g 18.2 - {OgHo$ $bd$n EZnrE Ho$ {bE mdYmZ
| ` 811.00 H$amoS> H$s H$r {OgHo$ n[aUmd$n df Ho$ {bE {Zdb
bm^ (H$a H$m {Zdb) ` 535.34 H$amoS> ~T>m h&
~r) Ama~rAmB mam Xr JB AZw{V Ho$ AZwgma ZmoQ> g 18.5.2 Omo df Ho$
XmamZ ` 232.22 H$amoS> Ho$ ApWa mdYmZ Ho$ Cn`moJ go g~pYV
gr) H${Vn` EZnrE Ho$ g~Y | mdYmZ Ho$ AmWJZ Ama H${Vn` EZnrE
H$s {~H$s na hm{Z go g~{YV ZmoQ> g 18.7(E$) {OgHo$ n[aUmd$n
mdYmZ | ` 709.31 H$amoS> H$s H$r Ama n[aMmbZ `` | ` 403.21
H$amoS> H$s H$r {OgHo$ $bd$n df Ho$ {Zdb bm^ (H$a H$m {Zdb)
| ` 734.37 H$amoS> H$s d{ hB h&
S>r) EAmagr H$mo {dmr` AmpV`m| H$s {~H$s na hm{Z Ho$ AmWJZ go g~pYV
ZmoQ> g 18.7(Or) {OgHo$ n[aUmd$n n[aMmbZ `` | ` 478.91
H$amoS> H$s H$r AmB {OgHo$ $bd$n df Ho$ {bE {Zdb bm^ (H$a H$m
{Zdb) ` 316.13 H$amoS> H$s d{ hB h&
BZ mbm| na hmar am` eV-w$ Zht h &
A` {d{YH$ Ed {d{Z`mH$ AnojmAm| na [anmoQ> :8. VwbZn Ama bm^ Ama hm{Z ImVm, H$e: ~H$H$mar {d{Z`Z A{Y{Z`,
1949 H$s Vrgar AZwgyMr Ho$ $m "E ' Ed "~r' | V`ma {H$E JE h &
9. C$ nam 1 go 5 | C{pIV boImnarjm grmAm| Ho$ AYrZ Ama ~H$H$mar
H$nZr (CnH$m| H$m AOZ Ed AVaU) A{Y{Z`, 1970 H$s Amd`H$VmAm|
Ho$ AZwgma Ed Bg| Ano{jV H$Q>Z grmAm| Ho$ A`YrZ, h [anmoQ>
H$aVo h {H$ :
E) hZo CZ g^r gyMZmAm| Ed n>rH$aUm| H$mo m {H$`m h Omo hmar nyar
OmZH$mar Ama {ddmg Ho$ AZwgma hmar boImnarjm Ho$ `moOZ Ho$ {bE
Amd`H$ Wo Ama Ch| gVmofOZH$ nm`m h;
~r) ~H$ Ho$ boZ-XoZ Omo hmar OmZH$mar | AmE h do ~H$ Ho$ A{YH$ma jo
Ho$ ^rVa h; Amoa
gr) ~H$ Ho$ H$m`mb`m| Ed emImAm| go m {dda{U`m hmar boImnarjm Ho$
`moOZ Ho$ {bE n`m nm`r J`r h&
10. hmar am` |, VwbZ n, bm^-hm{Z ImVm Ed ZH$Xr dmh {ddaU, bmJy
boImH$Z mZH$m| H$m AZwnmbZ H$aVo h&
31, 2015 in conformity with accounting principles generally

accepted in India;

b. the Profit and Loss Account, read with significant accounting
policies and notes thereon shows a true balance of profit, in
conformity with accounting principles generally accepted in
India, for the year covered by the account; and

c. the Cash Flow Statement gives a true and fair view of the cash
flows for the year ended on that date.
Emphasis of Matter
7. We draw attention to:

a. Note no. 18.2 to the financial statements relating to change
in the accounting policy for provisioning in respect of NPAs
classified as Doubtful category (Secured portion) up to one
year resulting in decrease in the provision for NPAs for the
year by ` 811.00 Crores with consequential increase in Net
profit for the year (net of tax) by ` 535.34 Crores.

b. Note No. 18.5.2 regarding utilisation of Floating Provision of
` 232.22 Crores during the year as permitted by RBI

c. Note No. 18.7(f) regarding the deferment of provision in respect
of certain NPAs and loss on sale of certain NPAs resulting in
decrease in the provision by ` 709.31 Crores and decrease
in operating expenses by ` 403.21 Crores with consequential
increase in Net Profit for the year (net of tax) by ` 734.37
Crores.

d. Note No. 18.7(g) regarding the deferment of the loss on sale
of financial assets to ARCs resulting in decrease in operating
expenses by ` 478.91 Crores with consequential increase in
Net Profit for the year (net of tax) by ` 316.13 Crores.

Our opinion is not qualified in respect of these matters.
Report on Other Legal and Regulatory Requirements
8. The Balance Sheet and the Profit and Loss Account have been
drawn up in Forms A and B respectively of the Third Schedule to
the Banking Regulation Act, 1949.
9. Subject to the limitations of the audit indicated in paragraph 1 to
5 above and as required by the Banking Companies (Acquisition
and Transfer of Undertakings) Act, 1970and subject also to the
limitations of disclosure required therein, we report that:

a. We have obtained all the information and explanations, which
to the best of our knowledge and belief, were necessary for the
purposes of our audit and have found them to be satisfactory;

b. The transactions of the Bank which have come to our notice
have been within the powers of the Bank; and

c. The returns received from the offices and branches of the
Bank have been found adequate for the purposes of our audit.
10. In our opinion, the Balance Sheet, Profit and Loss Account and Cash
Flow Statement comply with the applicable Accounting Standards.
ogg BgmH$ ES> gwaoe

^mJrXma Partner
E. H$. 028648 M. No. 028648
(E$AmaEZ 000593EZ) (FRN 000593N)
^mJrXma Partner
E. H$. 084225 M. No. 084225

^mJrXma Partner
E. H$. 044577 M. No. 044577
(E$AmaEZ 002830EZ) (FRN 002830N)
^mJrXma Partner
E. H$. 081784 M. No. 081784

^mJrXma Partner
E. H$.098641 M. No. 098641
(E$AmaEZ 011798EZ) (FRN 011798N)
^mJrXma Partner
E. H$. 095399 M. No. 095399
M/s. Isaac & Suresh

(E$AmaEZ 001150Eg) (FRN 001150S)

(E$AmaEZ 107122S>`y) (FRN 107122W)
{XZmH$ : 28 B, 2015 / Date : 28th May, 2015
95
M/s. D. Singh & Co.

(E$AmaEZ 001351EZ) (FRN 001351N)
/ BANK OF INDIA
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go{H$V {dmr` {ddaUm| na [anmoQ>
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AZwf{J`m| Ama g`w$ C, BgHo$ ~mX {Ogo g`w$ $n go "~moAmoAmB Jyn'
H$hm J`m h Ama go{H$V {ddaU Ho$ gmW 31 mM, 2015 Ho$ go{H$V VwbZn, go{H$V bm^ hm{Z ImVm Ama gm{ hE df H$m go{H$V ZH$Xr dmh
{ddaU, hdnyU boIm Zr{V`m|o Ama A` `m`mH$ gyMZm H$s boIm narjm
H$s h& go{H$V {dmr` {ddaU {ZZ[bpIV na AmYm[aV h H$) hmao mam boIm nar{jV yb ~H$ Ho$ {dmr` {ddaU,
I) A` boIm narjH$m| mam boIm nar{jV Mma dXoer AZwfJr, EH$ dXoer
g`w$ C, Xmo dXoer ghm`H$ H$n{Z`m, EH$ {dXoer ghm`H$ H$nZr Ho$
{dmr` {ddaU, Ama
J) nmM {dXoer AZwf{J`m| Ho$ {dmr` {ddaU, Omo ~YZ mam V`ma {H$E JE
h, {OZH$s A` boIm-narjH$m| Zo grjm H$s h, Ama
K) Mma dXoer ghm`H$ H$n{Z`m| Ho$ AboIm-nar{jV {dmr` {ddaU
go{H$V {ddaU Ho$ {bE ~YZ H$m CmaXm{`d
2. BZ {dmr` {ddaUm| H$m CmaXm{`d yb ~H$ Ho$ ~YZ H$m h, ò go{H$V
{dmr` {ddaU, go{H$V {dmr` pW{V, go{H$V {dmr` H$m`-{ZnmXZ Ama
Am Vma na ^maV | drH$m` boImH$Z {gmVm| Ho$ AZwgma ~rAmoAmB Jyn
Ho$ go{H$V ZH$Xr dmh H$m ghr Ama C{MV n[a` VwV H$aVo h& Bg|
{S>OmBZ, H$m`md`Z Ama {dmr` {ddaU V`ma H$aZo Ama Vw{V Ho$ {bE
g~{YV aI-aImd em{b h, Omo ghr Ama C{MV n[a` VwV H$aVo h VWm
VmpdH$ Aew H$WZm| go w$ h, Mmho YmoImYS>r `m w{Q> go hAm hmo&
boIm narjH$m| H$m CmaXm{`d
3. hmar boIm narjm Ho$ AmYma na BZ go{H$V {dmr` {ddaUm| na am` A{^`$
H$aZm hmam CmaXm{`d h& hZo AnZr boIm narjm ^maVr` gZXr boImH$ma
gWmZ mam Omar boIm narjm mZH$m| Ho$ AZwgma H$s h& BZ mZH$m| H$s
Anojm h {H$ h Zr{Vna Amd`H$VmAm| H$m nmbZ H$a| Ama {dmr` {ddaU
n VmpdH$ Aew H$WZm| go w{$ h, BgHo$ ~mao | gw{MV E`moa|g m H$aZo
Ho$ {bE `moOZm ~Zm`| Ama CgH$m {ZnmXZ H$a| &
4. boIm narjm | go{H$V {dmr` {ddaUm| | am{e`m| Ed H$Q>rH$aU Ho$ ~mao
| boIm narjm gm` m H$aZo Ho$ {bE H$m` {ZnmXZ {H$`m em{b h&
MwZr JB {H$`m boIm narjH$m| Ho$ {ZU` na {Zâ H$aVr h, {Og| go{H$V
{dmrn` {ddaU Ho$ VmpdH$ Aew H$WZm| Ho$ y`mH$Z H$m OmopI em{b
h, Mmho dh YmoImYS>r `m w{Q> Ho$ H$maU hmo, BZ OmopIm| H$m y`mH$Z H$aZo
| boIm narjH$ Zo ~rAmoAmB gyh Ho$ go{H$V {dmr` {ddaU Ho$ V`ma H$aZo
Ama Vw{V | AmV[aH$ {ZÙ g~Vm H$m `mZ aIm h, Omo boIm narjm
Ho$ {S>OmBZ Ho$ {bE ghr Ama C{MV n[a`H$ VwV H$aVm h Ama Omo BZ
n[apW{V`m| | C{MV h& boIm narjm | Cn`moJ H$s JB boIm Zr{V`m| H$s
Cn`w$VVm H$m y`mH$Z Ama ~YZ mam {H$E Jò boIm AZwmZm| H$m y`m
H$Z Ama gmW hr go{H$V {dmr` {ddaU H$s gnyU Vw{V H$m y`mH$Z
em{b h&
5. hmam {ddmg h {H$ hmao mam m {H$E Jò boIm narjm gm` n`m h Ama
hmar boIm am` H$mo C{MV AmYma XmZ H$aVo h &
A{^V
6. hmar am` Ama A{YH$V OmZH$mar VWm h| {XE Jò n>rH$aU Ama AZwf{J`m|
Ho$ {dmr` {ddaUm| na A` boIm narjH$m| Ho$ {dMma Ho$ AmYma na, `Wm ZrMo
{XE Jò, go{H$V {dmr` {ddaU Am Vma na ^maV | drH$ma {H$E Jò boIm
{gmVm| Ho$ AZw$n ghr Ama C{MV n[a` VwV H$aVo h&
H$) go{H$V VwbZ-n Ho$ g~Y | 31 mM, 2015 H$s pW{V Ho$ AZwgma
~rAmoAmB Jyn Ho$ H$m`m] H$s pW{V,
I) Cgr VmarI H$mo gm hE df Ho$ bm^ H$m go{H$V bm^ Ama hm{Z ImVo
H$s pW{V Ama
REPORT OF THE INDEPENDENT AUDITORS

To
The Board of Directors of Bank of India
Report on the Consolidated Financial Statements
1. We have audited the accompanying consolidated financial
statements of Bank of India (the Parent Bank) and its subsidiaries,
associates and joint ventures collectively hereinafter referred to as
BoI Group and the consolidated financial statements comprise
the Consolidated Balance Sheet as at 31st March 2015, the
Consolidated Statement of Profit and Loss and Consolidated Cash
Flow Statement for the year then ended together with a summary
of significant accounting policies and other explanatory information.
The consolidated financial statements are based on

a) Financial statements of the Parent Bank audited by us;

b) Financial statements of four domestic subsidiaries, one
domestic joint venture, two domestic associates and one
overseas associate audited by other auditors; and

c) Financial statements of five overseas subsidiaries prepared by
the Management and reviewed by other auditors specifically
for consolidation purpose; and

d) Unaudited financial statements of four domestic associates.
Managements Responsibility for the Consolidated Financial
Statements
2. Management is responsible for the preparation of these
consolidated financial statements that give a true and fair view of the
consolidated financial position, consolidated financial performance
and consolidated cash flows of BoI Group in accordance with
accounting principles generally accepted in India; this includes the
design, implementation and maintenance of internal control relevant
to the preparation and presentation of the consolidated financial
statements that give a true and fair view and are free from material
misstatement, whether due to fraud or error.
3. Our responsibility is to express an opinion on these consolidated
financial statements based on our audit. We conducted our audit in
accordance with the Standards on Auditing issued by the Institute
of Chartered Accountants of India. Those Standards require that we
comply with ethical requirements and plan and perform the audit
to obtain reasonable assurance about whether the consolidated
financial statements are free from material misstatement.
4. An audit involves performing procedures to obtain audit evidence
about the amounts and disclosures in the consolidated financial
statements. The procedures selected depend on the auditors
judgment, including the assessment of the risks of material
misstatement of the consolidated financial statements, whether
due to fraud or error. In making those risk assessments, the auditor
considers internal control relevant to the BOI Groups preparation
and presentation of the consolidated financial statements that
give a true and fair view in order to design audit procedures that
are appropriate in the circumstances. An audit also includes
evaluating the appropriateness of accounting policies used and the
reasonableness of the accounting estimates made by management,
as well as evaluating the overall presentation of the consolidated
financial statements.
5. We believe that the audit evidence we have obtained is sufficient
and appropriate to provide a basis for our audit opinion.
Opinion
6. In our opinion and to the best of our information and according to
the explanations given to us and based on the consideration of
the reports of the other auditors on the financial statements of the
subsidiaries as noted below, the consolidated financial statements
give a true and fair view in conformity with the accounting principles
generally accepted in India;

a) in the case of the Consolidated Balance Sheet, of the state of
affairs of the BoI Group as at 31st March 2015;
96
/ BANK OF INDIA
J) Cgr VmarI H$mo gm hE df Ho$ ZH$Xr dmh Ho$ go{H$V ZH$Xr dmh
{ddaU H$s pW{V
Bg mbo H$m ^md -
7. h {ZZ H$s Amoa `mZ AmH${fV H$aVo h :
H$) {dmr` {ddaUm| H$s {Q>nUr Z.7 (H$), EH$ df VH$ AdmZH$
({V^yVrH$V) Ho$ $n | dJuH$V EZnrE Ho$ g~Y | mdYmZrH$aU
H$aZo hoVw boImH$Z Zr{V | n[adVZ go g~{YV h {OgHo$ n[aUmd$n,
df Ho$ {bE EZnrE hoVw ` 811.00 H$amoS> H$m H$ mdYmZ ahm Ama
n[aUmd$n df Ho$ {bE {Zdb bm^ (H$a H$m {Zdb) | ` 535.34
H$amoS> H$s d{ hB&
I) {Q>nUr H$.9(J) df Ho$ XmamZ ^maVr` [aOd ~H$ mam AZwV
` 232.22 H$amoS> Ho$ bmoqQ>J mdYmZ Ho$ Cn`moJ go g~{YV h&
J) {Q>nUr H$.7(I) H${Vn` EZnrE Ama CZH$s {~H$s go hB hm{Z Ho$ g~Y
| {H$E JE mdYmZ Ho$ AmWJZ go g~{YV h, {OgHo$ n[aUm d$n
mdYmZ | ` 709.31 H$amoS> Ama n[aMmbZ bmJV | ` 403.21 H$amoS>
H$s H$r AmB Ama {OgHo$ n[aUm d$n df Ho$ {bE {Zdb bm^ (H$a
H$m {Zdb) | ` 734.37 H$amoS> H$s d{ hB&
K) {Q>nUr H$.7(J) EAmagr H$mo {dmr` AmpV`m H$s {~H$s go hB hm{Z
Ho$ AmWJZ go g~{YV h {OgHo$ n[aUm d$n n[aMmbZ bmJV |
` 478.91 H$amoS> H$s H$r hB Ama df Ho$ {bE {Zdb bm^ (H$a H$m
{Zdb) | ` 316.13 H$amoS> H$s d{ hB&
A` mbo
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` 353.48 H$amoS> Ama {Zdb ZH$Xr ~m dmh H$s am{e ` 225.18
H$amoS> XemVr h,
I) do g`w$ C {OZH$m {dmr` {ddaU `Wm 31 mM, 2015 H$mo Hw$b
AmpV`m ({Zdb) ` 5915.56 H$amoS>, Cgr df H$mo gm Hw$b amOd
` 1998.86 H$amoS> VWm {Zdb ~m dmh ` 20.55 H$amoS> XemVr h&
J) Cgr gm df Ho$ {bE ghm`H$ H$n{Z`m yb ~H$ Ho$ {Zdb bm^ H$m
{hgm d$n ` 266.47 H$amoS> XemVr h &
BZ {dmr` {ddaUm| H$s boIm narjm A` boIm narjH$m| mam H$s JB h,
{OZH$s [anmoQ>] h| ~YZ mam VwV H$s JB h Ama hmar am` Ho$db
A` boIm narjH$m| H$s [anmoQ>m] na AmYm[aV h&
9. h Mma ghm`H$ H$n{Z`m| Ho$ boIm nar{jV {dmr` {ddaUm| na {Zâ h, Ogm
{H$ h| yb ~H$ Ho$ ~YZ mam CnbY H$am`m J`m h, {OgHo$ AmYma na
` 200.24 H$amoS> Ho$ bm^ Ho$ {hgo H$m goH$Z | {dMma {H$`m J`m h&
10. Cn`w$ namJm$ 7 Ama 8 | ~Vmò Jò mbm| Ho$ g~Y | hmar am` eV wV Zht h&
b)
in the case of the Consolidated Statement of Profit and Loss,

of the profit for the year ended on that date; and

c) in the case of the Consolidated Cash Flow Statement, of the
cash flows for the year ended on that date.
Emphasis of Matter
7. We draw attention to:

a. Note no. 7(A) to the financial statements relating to change
in the accounting policy for provisioning in respect of NPAs
classified as Doubtful category (Secured portion) up to one
year resulting in decrease in the provision for NPAs for the
year by ` 811.00 Crores with consequential increase in Net
profit for the year (net of tax) by ` 535.34 Crores.

b. Note No. 9(c) regarding utilisation of Floating Provision of
` 232.22 Crores during the year as permitted by RBI

c. Note No. 7(B) regarding the deferment of provision in respect
of certain NPAs and loss on sale of certain NPAs resulting in
decrease in the provision by ` 709.31 Crores and decrease
in operating expenses by ` 403.21 Crores with consequential
increase in Net Profit for the year (net of tax) by ` 734.37
Crores.

d. Note No. 7(C) regarding the deferment of the loss on sale of
financial assets to ARCs resulting in decrease in operating
expenses by ` 478.91 Crores with consequential increase in
Net Profit for the year (net of tax) by ` 316.13 Crores.
Other Matters
8. We did not audit the financial statements of

a)
Subsidiaries, whose financial statements reflect total assets

(net) of ` 3864.88 crores as at 31st March 2015, total revenues
of ` 353.48 crores and net cash inflows amounting to ` 225.18
crores for the year then ended;
b)
Joint Ventures, whose financial statements reflect total assets

(net) of ` 5915.56 crores as at 31st March 2015, total revenues
of ` 1998.86 crores and net cash outflows amounting to
` 20.55 crores for the year then ended; and
c)
Associates reflecting share of net profit of the Parent Bank of

` 266.47 crores for the year then ended.
These financial statements have been audited / reviewed by

other auditors whose reports have been furnished to us by the
Management, and our opinion is based solely on the reports of
the other auditors.
9. We have also relied on the un-audited financial statements of four
associates as made available to us by the management of the
Parent Bank based on which share of profit of Rs 200.24 crores
have been considered in the consolidation.
10. Our opinion is not qualified in respect of the matters stated in
paragraphs 7 and 8 above.
ogg BgmH$ ES> gwaoe

^mJrXma Partner
E. H$. 028648 M. No. 028648
(E$AmaEZ 000593EZ) (FRN 000593N)
^mJrXma Partner
E. H$. 084225 M. No. 084225

^mJrXma Partner
E. H$. 044577 M. No. 044577
(E$AmaEZ 002830EZ) (FRN 002830N)
^mJrXma Partner
E. H$. 081784 M. No. 081784

^mJrXma Partner
E. H$.098641 M. No. 098641
(E$AmaEZ 011798EZ) (FRN 011798N)
^mJrXma Partner
E. H$. 095399 M. No. 095399
M/s. Isaac & Suresh

(E$AmaEZ 001150Eg) (FRN 001150S)

(E$AmaEZ 107122S>`y) (FRN 107122W)
{XZmH$ : 28 B, 2015 / Date : 28th May, 2015
97
M/s. D. Singh & Co.

(E$AmaEZ 001351EZ) (FRN 001351N)
/ BANK OF INDIA
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98
/ BANK OF INDIA
BANK OF INDIA
YmZ H$m`mb` : Q>ma hmCg, gr-5, Or bmH$, ~mm-Hw$bm gHw$b, ~mm (nyd), w~B - 400 051
namojr $m
(eoàYmaH$ mam âm OmE)

$mo{b`mo H$.
(`{X S>roQ> Z {H$`m J`m hmo)
S>rnr AmBS>r Z.
JmhH$ AmB S>r Z.

/h
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(`{X S>roQ> {H$`m J`m hmo)

{Zdmgr
am`
~H$ Am$ B{S>`m H$m/Ho$ eoàYmaH$ h/h Ama /h EVXmam

{Zdmgr
lr/lrVr
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H$mo `m dh Z hmoZo na lr/lrVr
am`
H$mo oao/hmao {bE VWm oar/hmar Amoa go {XZmH$ 20 OwbmB, 2015 H$mo Am`mo{OV ~H$ Am$
{Obm
B{S>`m Ho$ eoàYmaH$m| H$s ~R>H$ | Ama g~{YV ~R>H$ Ho$ WJZ H$s pW{V | VXmZ Ho$ {bE namojr Ho$ $n | {Z`w$ H$aVm h/H$aVo h&
2015, mh
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namojr Ho$ hVmja
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namojr $m na hVmja H$aZo Ama Bgo Om H$aZo g~Yr AZwXoe
1. H$moB namojr {bIV V~ VH$ dY Zht mZr OmEJr O~ VH$ {H$ dh,
H$. EH$m eoàYmaH$ `{$ Ho$ mbo | eoàYmaH$ mam `m CZHo$ mam {bpIV | {d{YdV m{YH$V AQ>Zu mam hVmaj[aV Zht hmoJr&
I. g`w$ YmaH$m| Ho$ mbo |, `h a{OQ>a | XO W eoàYmaH$ mam `m CZHo$ mam {bpIV $n | {d{YdV m{YH$V AQZu mam hVmj[aV Zht hm|&
J. {ZJ{V {ZH$m` Ho$ mbo | {bpIV $n | {d{YdV m{YH$V A{YH$mar `m AQZu mam hVmaj[aV Zht hmoJr&
2. namojr {bIV {H$gr eoàYmaH$ mam n`m $n go hVmj[aV hmoZr Mm{hE {H$Vw {H$gr H$maUde eoàYmaH$ AnZm Zm {bIZo | AgW h Ama CZHo$ AJyR>o H$m {ZemZ
dhm bJm h Vmo dh {ZemZ `m`Yre, {OQoQ>, ~rm a{OQma `m Cn a{OQma `m {H$gr A` gaH$mar amOn{V A{YH$mar `m ~H$ Am$ B{S>`m Ho$ {H$gr A{YH$mar
mam gm`m{H$V (AQ>oQ>oS>) hmoZm Mm{hE&
3. H$moB ^r namojr V~ VH$ dY Zht hmoJm O~ VH$ Cg na {d{YdV agrXr {Q>H$Q> Z bJm hmo Ama Cgo {ZZV{bpIV nVo na dm{fH$ Am ~R>H$ H$s VmarI go H$ go H$
Mma {XZ nhbo Om Zht H$am`m J`m hmo& CgHo$ gmW Cg nmda Am$ AQ>Zu `m A` m{YH$ma (`{X H$moB hmo) {OgHo$ VhV Cgo hVmj[aV {H$`m J`m hmo `m Cg nmda
Am$ AQ>Zu H$s {V `m A` m{YH$ma {Ogo ZmoQ>ar AWdm `m`mYre Zo g` {V Ho$ n | m{UV {H$`m hmo, H$mo ~H$ | nhbo Om Ama nOrH$V Z {H$`m J`m hmo&
~H$ Am$ B{S>`m, {ZdoeH$ gnH$ {d^mJ, YmZ H$m`mb`, Q>ma hmCg, 8 dt {Ob, gr-5, Or bmH$, ~mm-Hw$bm gHw$b, ~mm (nyd),
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7. {H$gr ^r Eogo `{$ H$mo {d{YdV m{YH$V {V{Z{Y AWdm namojr Ho$ $n | {Z`w$ Zht {H$`m OmEJm Omo ~H$ Am$ B{S>`m H$m A{YH$mar AWdm H$Mmar hmo&
99
/ BANK OF INDIA
BANK OF INDIA
Head Office: Star House, C-5, G Block, Bandra-Kurla Complex, Bandra (East), Mumbai-400 051.
(To
Folio No.
(if not dematerialized)
PROXY FORM
be filled by the shareholders)
DP ID
Client ID
(if dematerialized)
in
I / We, __________________________________________resident of
the district of
in the state of __________________________ being a shareholder/
shareholders of Bank of India, hereby appoint Shri/Smt
resident of
in the District of
in the state of
or failing him/her,
Shri/Smt.
Resident of
in the state of
as my/our proxy to vote for me/us and on my/our behalf at the Meeting of the Shareholders of Bank of India to be held
on the July 20th, 2015 and at any adjournment thereof.
Signed this
day of
2015.
Name :
Address:
Revenue
Stamp
Signature of first named/sole shareholder

INSTRUCTIONS FOR SIGNING AND LODGING THE PROXY FORM
1.
2.
3.
4.
5.
6.
7.
No instrument of proxy shall be valid unless,

a) in the case of an individual shareholder, it is signed by him/her attorney, duly authorised in writing.
b) in the case of joint holders, it is signed by the shareholder first named in the register or his/her attorney, duly authorised in writing.
c) in the case of a body corporate signed by its officer or an attorney, duly authorised in writing.
An instrument of proxy shall be sufficiently signed by any shareholder, who is, for any reason, unable to write his/her name, if his/her mark is
affixed thereto and attested by a Judge, Magistrate, Registrar or Sub-Registrar of Assurance or other Government Gazetted Officer or an Officer
of Bank of India.
No proxy shall be valid unless it is duly stamped and deposited at the following address not less than FOUR DAYS before the date of the Annual
General Meeting, together with the power of attorney or other authority (if any) under which it is signed or a copy of that power of attorney or other
authority certified as a true copy by a Notary Public or a Magistrate, unless such a power of attorney or the other authority is previously deposited
and registered with the Bank at Bank of India, Investor Relations Department Head Office - Star House, 8th Floor, C-5, G Block, Bandra
Kurla Complex, Bandra (East), Mumbai - 400 051.
An instrument of proxy deposited with the Bank shall be irrevocable and final.
In the case of an instrument of proxy granted in favour of two grantees in the alternative, not more than one form shall be executed.
The shareholder who has executed an instrument of proxy shall not be entitled to vote in person at the Annual General Meeting.
No person shall be appointed as duly authorised representative or a proxy who is an officer or employee of the Bank.
100
"
/ BANK OF INDIA
BANK OF INDIA
CnpW{V nMu-gh-doe-n-gh-VXmZ nona nmg

dm{fH$ Am ~R>H$
{XZmH$ gmodma, 20 OwbmB, 2015, gw~h 11.00 ~Oo
YmZ H$mmb Q>ma hmCg, gr-5, "Or' bmH$, ~mm-Hw$bm gHw$b, ~mm (nyd), w~B - 400 051
ATTENDANCE SLIP-CUM-ENTRY PASS-CUM-BALLOT PAPER PASS
ANNUAL GENERAL MEETING
Date : Monday, 20th July 2015, 11.00 a.m.
At the Banks Auditorium, Bank of India, C 5, G Block, Bandra-Kurla Complex, Mumbai, 400 051
CnpW{V nMu
(doe Ho$ g Om H$aZo hoVw)

ATTENDANCE SLIP
(To
be surrendered at the time of entry)
Zm (n> Ajam| |) (gX/namojr/EAma)
NAME IN BLOCK LETTERS (Member/Proxy/AR)
$mo{bmo H$. JmhH$ AmBS>r Z. S>rnr AmBS>r Z.
eoam| H$s gm
FOLIO No./DPID No./CLIENT ID No.
No. of Shares
CnpWV eoaYmaH$/namojr/{V{Z{Y Ho$ hVmja
Signature of Shareholder/Proxy/Representative present
"
"
doe n
(nyar ~R>H$ Ho$ XmamZ AnZo nmg aIm OmE)
ENTRY PASS
(To be retained throughout the meeting)
dm{fH$ Am ~R>H$ {XZmH$ gmodma, 20 OwbmB, 2015, gw~h 11.00 ~Ooo

ANNUAL GENERAL MEETING Date: Monday, 20th July 2015, 11.00 A.m.
Zm (n> Ajam| |) (gX/namojr/EAma)
$mo{bmo H$. JmhH$ AmBS>r Z. S>rnr AmBS>r Z.

FOLIO No./DPID No./CLIENT ID No.
"
NAME IN BLOCK LETTERS (Member/Proxy/AR)
101
eoam| H$s gm
No. of Shares
/ BANK OF INDIA
NOTES
102
/ BANK OF INDIA
NOTES
103
/ BANK OF INDIA
NOTES
104

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/ BANK OF INDIA

/ Abridged Annual Report 2014-15

Ama. E. eH$a Zmam`UZ

(~H$ Am$ B{S>m Ho$ H$mnmbH$ {ZXoeH$ Ho$ $n | 15 B, 2015 go nXmoV)

RAJ KAMAL VERMA

/ Abridged Annual Report 2014-15

NOTICE is hereby given that the Nineteenth Annual General Meeting of

/ Abridged Annual Report 2014-15

b) for making offer(s) or invitation(s) to subscribe to perpetual debt

/ Abridged Annual Report 2014-15

RESOLVED FURTHER THAT, the Board be and is hereby authorized to

RESOLVED FURTHER THAT, for the purpose of giving effect to this

RESOLVED FURTHER THAT, the Board be and is hereby authorized

By order of the Board

({~. nr. em)

/ Abridged Annual Report 2014-15

A SHAREHOLDER ENTITLED TO ATTEND AND VOTE AT THE

APPOINTMENT OF AUTHORISED REPRESENTATIVE

No person shall be entitled to attend or vote at the meeting as a duly

The Register of the Shareholders and the Share Transfer Register of

Shareholders holding shares in dematerialized form should

M/s. Sharepro Services (India) Pvt. Ltd.,

ATTENDANCE SLIP-CUM-ENTRY PASS

UNCLAIMED DIVIDEND IF ANY

The shareholders who have not encashed their Dividend Warrants

/ Abridged Annual Report 2014-15

7. gnyU dm{fH$ [anmoQ>

Full Annual Report

Shareholders desirous to have a full Annual Report can download

The Bank is pleased to provide e-voting facility to the shareholders

/ Abridged Annual Report 2014-15

xx) It is strongly recommended not to share your password with

/ Abridged Annual Report 2014-15

a) The Bank is in the business of the banking and related activities.

Risk Weighted Assets

% of capital funds to risk

c) Preferential Allotment of equity by issue of 2,26,45,502 Crore Equity

This capital requirement can be met by a combination of internal

By order of the Board

({~. nr. em)

/ Abridged Annual Report 2014-15

{ZXoeH$ [anmoQ> H$s {deofVmE

Om am{e`m| H$s bmJV

{Z{Y`m| H$s bmJV

{Zdb `mO m{OZ

AmgV H$m`erb {Z{Y Ho$ {V A` Am`

AmgV H$m`erb {Z{Y Ho$ {V n[aMmbZ ``

AmgV H$m`erb {Z{Y Ho$ {V Q>m$ ``

AmgV H$m`erb {Z{Y H$s VwbZm | A` n[aMmbZ ``

AmpV Cn`moJ AZwnmV

Hw$b Am` H$s VwbZm | Ja-`mO Am`

{Zdb Am` H$s VwbZm | Ja-`mO Am`

bmJV- Am` AZwnmV

B{$Q>r na {V$b (%)

bmJV- Am` AZwnmV

B{$Q>r na {V$b (%)

OmopI ^m[aV AmpV`m

n[aMmbZ ``m| Ho$ {V Ja `mO Am`

AmgV AmpV`m| na {V$b (%)

AmgV AmpV`m| na {V$b (%)

/ Abridged Annual Report 2014-15

gmYmaU B{$Q>r {Q>`a-I

{ZXoeH$ CmaXm{`d {ddaU

/ Abridged Annual Report 2014-15