Bank Of India · NSE:BANKINDIA

Bank Of India — FY2025 Earnings Presentation

52 slides from Bank Of India's earnings presentation, May 9, 2025

  1. Slide 1: Investors Presentation - Audited Financial Results Q4/FY2025

    Itas artm tfiktri - Bank of India Tklf w. Ref No.:HO:IRC:SVM:2025-26:49 ft4W Date: 09.05.2025 Scrip Code: BANKINDIA Scrip Code: 532149 The Vice President - Listing Department, The Vice-President - Listing Department, National Stock Exchange of India Ltd., BSE Ltd., Exchange Plaza, 25, P.J. Towers, D

  2. Slide 2: Performance Analysis FY2024-25

    Performance Analysis FY2024-25 © 2025 Bank of India. All rights reserved

  3. Slide 3: Table of Contents

    Table of Contents Key Highlights 03 Business Performance 4 - 17 Financial Performance 18 - 22 Asset Quality 23 - 30 Capital & Share Holding 31 - 32 Digital Banking, ESG, etc. 33 - 51 © 2025 Bank of India. All rights reserved 2

  4. Slide 4: Performance Highlights - FY25 YoY

    Performance Highlights - FY25 YoY Global Global Global Retail Agriculture MSME Business Deposits Advances Advances Advances Advances 12.02% 10.65% 13.74% 19.93% 16.30% 18.39% Non-Interest Operating Net Profit RoA Gross NPA Net NPA Income Profit 47.56% 16.66% 45.92% 20 bps 171 bps 40 bps © 2025 Bank

  5. Slide 5: Global Business Mix

    Global Business Mix Business Performance (Amt in ₹ Cr) 14,82,588 14,46,295 13,23,515 7,94,788 8,16,541 7,37,920 6,51,507 6,66,047 5,85,595 31.03.24 31.12.24 31.03.25 Global Deposits Global Advances Global Business Mix © 2025 Bank of India. All rights reserved 4

  6. Slide 6: Global Deposits & Advances

    Global Deposits & Advances Business Performance (Amt in ₹ Cr) Domestic & Overseas Deposits Domestic & Overseas Advances 6,51,507 6,66,047 7,94,788 8,16,541 7,37,920 5,85,595 1,02,497 1,16,243 1,05,238 1,16,163 1,08,203 93,203 6,78,625 7,00,298 5,46,269 5,63,550 6,29,717 4,92,392 31.03.24 31.12.24 31

  7. Slide 7: Global Deposits & Advances Growth

    Global Deposits & Advances Growth Business Performance (Amt in ₹ Cr) QoQ Growth YoY Growth Particulars 31.03.24 31.12.24 31.03.25 Amount Percentage Amount Percentage Global 7,37,920 7,94,788 8,16,541 21,753 2.74 78,621 10.65 Deposits Global 5,85,595 6,51,507 6,66,047 14,540 2.23 80,452 13.74 Advance

  8. Slide 8: Domestic Deposits

    Domestic Deposits Business Performance 13% (Amt in ₹ Cr) 44% 31.03.24 Types of Deposits 31.03.24 31.12.24 31.03.25 43% CASA (Amount) 2,69,872 2,77,190 2,80,284 13% CASA (%) 43.21 41.05 40.28 46% 31.12.24 41% Total Term Deposits 3,59,845 3,98,112 4,15,447 Retail Term Deposits (%) 44.25 45.58 45.87 14

  9. Slide 9: Composition Of Gross Domestic Advances

    Composition Of Gross Domestic Advances Business Performance (Amt in ₹ Cr) Growth Particulars 31.03.24 31.12.24 31.03.25 YoY% Agriculture 84,555 94,991 98,335 16.30 MSME 76,559 89,134 90,639 18.39 Retail 1,11,484 1,27,825 1,33,699 19.93 RAM* 2,72,598 3,11,950 3,22,673 18.37 Corporate & Others 2,19,79

  10. Slide 10: Retail Loans

    Retail Loans Business Performance (Amt in ₹ Cr) 12% Growth Particulars 31.03.24 31.12.24 31.03.25 9% YoY (%) 31.03.24 8% 53% Home loans 59,107 65,368 67,826 14.75 3% 15% Vehicle loans 16,641 20,018 20,828 25.16 Education loans 3,424 3,788 3,969 15.92 Mortgage loans 9,139 10,011 10,758 17.72 14% 9% P

  11. Slide 11: Priority Sector Advances

    Priority Sector Advances Business Performance (Amt in ₹ Cr) Regulatory Particulars 31.03.24 31.12.24 31.03.25 Target ANBC 4,16,035 4,58,281 4,73,348 Priority Sector 1,83,459 2,07,213 2,15,081 % To ANBC 40.00 44.10 45.22 45.44 Agriculture* 84,445 96,920 1,00,123 % To ANBC 18.00 20.30 21.15 21.15 Smal

  12. Slide 12: Domestic Credit Industry Wise Outstanding

    Domestic Credit Industry Wise Outstanding Business Performance (Amt in ₹ Cr) Particulars 31.03.24 31.12.24 31.03.25 Infrastructure 58,860 59,427 56,626 Basic Metal & Metal products 16,561 19,046 18,994 Textiles 6,542 6,431 6,426 Gems & Jewellery 3,217 2,734 2,751 Chemicals & Chemical products 8,088

  13. Slide 13: NBFC Portfolio Global Outstanding

    NBFC Portfolio Global Outstanding Business Performance NBFC Portfolio NBFC Rating (Amt in ₹ Cr) 73% 72% 73% Ratings 31.03.24 31.12.24 31.03.25 31.03.24 31.12.24 31.03.25 AAA 56,843 59,785 64,297 AA 14,256 17,338 19,049 A 5,640 3,774 3,540 21% 21% 18% BBB & Below 1,642 1,683 1,370 7% 5% 4% 2% 2% 2% T

  14. Slide 14: Global NBFC Portfolio Rating Profile as on 31.03.25

    Global NBFC Portfolio Rating Profile as on 31.03.25 Business Performance (Percentage) Category AAA AA A BBB & below Grand Total NBFC-HFC (%) 23.12% 9.34% 0.26% 0.01% 32.73% Backed by PSU 11.38% 2.11% 0.00% 0.00% 13.49% Backed by Bank 3.32% 2.41% 0.00% 0.00% 5.73% Private 8.42% 4.82% 0.26% 0.01% 13.5

  15. Slide 15: Domestic Advances - Infrastructure Sector Outstanding

    Domestic Advances - Infrastructure Sector Outstanding Business Performance (Amt in ₹ Cr) Particulars 31.03.24 31.12.24 31.03.25 Infrastructure Bonds in FY 25 1. Power 35,124 35,360 33,354 a) SEBs 14,780 14,178 12,594 ▪ Generation Infrastructure Bonds 6,388 6,038 5,691 Raised during FY 25 ▪ Transmiss

  16. Slide 16: Benchmark wise Distribution of Advances Standard Domestic

    Benchmark wise Distribution of Advances Standard Domestic Business Performance (Amt in ₹ Cr) Standard Advances Base Rate, 1% Benchmark Rates Share (%) Others , 16% as on 31.03.25 Base Rate 4,276 0.79 MCLR, 29% MCLR 1,57,048 28.97 EBLR 2,94,002 54.23 BPLR, 0% EBLR, 54% Others 86,863 16.01 Grand Total

  17. Slide 17: External Ratings wise Distribution of Standard Corporate Advances

    External Ratings wise Distribution of Standard Corporate Advances Business Performance Domestic Corporate Advances Above Rs. 50 Cr 2.56% 5.10% 1.59% 5.92% 3.67% 3.72% 88.67% 88.77% 31.03.24 31.03.25 A & above BBB Below BBB Unrated As on 31.03.25, Investment grade accounts form 93% of our Standard Co

  18. Slide 18: Domestic Investments

    Domestic Investments Business Performance (Amt in ₹ Cr) As on 31.12.24 As on 31.03.25 Particulars AFS HTM FVTPL SUB-JV Total AFS HTM FVTPL SUB-JV Total SLR Investments 21,381 1,57,587 27,695 - 2,06,663 26,176 1,56,996 16,156 1,99,328 - of which 21,381 1,57,587 27,695 - 2,06,663 26,176 1,56,996 16,15

  19. Slide 19: Net Interest Income (Global)

    Net Interest Income (Global) Financial Performance (Amt in ₹ Cr) QE Mar 24 QE Dec 24 QE Mar 25 YoY (%) 12 M 12 M YoY (%) Mar 24 Mar 25 Interest Income 16,162 18,211 18,323 13 60,710 70,826 17 a. Advances 11,626 12,918 13,064 12 42,881 50,045 17 b. Investments 3,661 4,528 4,343 19 14,123 17,205 22 c.

  20. Slide 20: Non-Interest Income (Global)

    Non-Interest Income (Global) Financial Performance (Amt in ₹ Cr) 12 M 12 M Particulars QE Mar 24 QE Dec 24 QE Mar 25 YoY (%) YoY (%) Mar 24 Mar 25 Commission, Exchange 398 462 480 21 1,550 1,713 11 & Brokerage Cross Selling 64 68 79 24 200 281 41 (Third Party Commission) Profit from Sale and Revalua

  21. Slide 21: Operating Expenses (Global)

    Operating Expenses (Global) Financial Performance (Amt in ₹ Cr) 12 M 12 M Particulars QE Mar 24 QE Dec 24 QE Mar 25 YoY (%) YoY (%) Mar 24 Mar 25 Staff Expenses 2,544 2,441 2,882 13 9,188 10,300 12 Overheads Rent, Taxes and Lighting 244 251 256 5 924 990 7 Depreciation on Banks Property 132 146 175

  22. Slide 22: Operating Profit and Net Profit (Global)

    Operating Profit and Net Profit (Global) Financial Performance (Amt in ₹ Cr) QE QE QE 12 M 12 M Particulars YoY (%) YoY (%) Mar 24 Dec 24 Mar 25 Mar 24 Mar 25 Operating Profit 3,557 3,703 4,885 37 14,069 16,412 17 Provisions for - Bad & Doubtful (NPA) 2,043 603 1,347 -34 4,109 4,593 12 - Non Perform

  23. Slide 23: Key Financial Ratios (Global)

    Key Financial Ratios (Global) Financial Performance QE QE QE Particulars FY 2024 FY 2025 Mar 24 Dec 24 Mar 25 Yield on Advances (%) 8.47 8.55 8.27 8.38 8.46 Yield on Investments (%) 6.81 7.15 7.03 6.75 7.10 Yield on Funds (%) 7.24 7.22 7.07 7.03 7.24 Cost of Deposits (%) 4.71 4.96 4.98 4.51 4.90 Cos

  24. Slide 24: Asset Classification: Global Advances

    Asset Classification: Global Advances Asset Quality (Amt in ₹ Cr) As on 31.03.24 As on 31.12.24 As on 31.03.25 Particulars Outstanding Share (%) Outstanding Share (%) Outstanding Share (%) Standard Advances 5,56,412 95.02 6,27,459 96.31 6,44,298 96.73 Gross NPA 29,183 4.98 24,048 3.69 21,749 3.27 -

  25. Slide 25: SMA Rs. 5 Cr & above

    SMA Rs. 5 Cr & above Asset Quality (Amt in ₹ Cr) Position of Rs. 5.00 crores & above 31.03.24 31.12.24 31.03.25 SMA Category Amount % to Std Adv Amount % to Std Adv Amount % to Std Adv SMA-0 5,917 1.06 2,096 0.33 1,761 0.27 SMA-1 502 0.09 2,087 0.33 3,652 0.57 SMA-2 712 0.13 3,096 0.49 508 0.08 Gran

  26. Slide 26: Resolution Framework - Standard Restructuring (Domestic)

    Resolution Framework - Standard Restructuring (Domestic) Asset Quality (Amt in ₹ Cr) Outstanding as on 31.03.25 % of Gross Category Total Provision Resolution Resolution One Time Advances Framework 1.0 Framework 2.0 Restructuring Retail 242 3,193 - 3,435 343 MSME 209 952 358 1,519 134 0.85 Corporate

  27. Slide 27: Movement of NPA (Global)

    Movement of NPA (Global) Asset Quality (Amt in ₹ Cr) Segment QE Mar24 QE Dec 24 QE Mar25 FY 2024 FY 2025 Opening Balance (Gross NPA) 30,237 27,456 24,048 37,686 29,183 + Fresh Slippage 1,980 1,045 1,913 7,092 7,099 + Debits in existing NPA accounts 58 60 95 459 489 Total Addition 2,038 1,105 2,008 7

  28. Slide 28: Sector wise breakup of Fresh Slippages

    Sector wise breakup of Fresh Slippages Asset Quality (Amt in ₹ Cr) QE QE QE Particulars % Share % Share % Share Mar 24 Dec 24 Mar 25 Retail 147 7 140 13 137 7 Agriculture 626 31 392 35 953 47 MSME 794 39 490 44 834 42 Corporate 439 22 102 9 64 3 Total Domestic 2,006 98 1,124 102 1,988 99 Overseas 32

  29. Slide 29: Sector wise Classification of Gross NPA

    Sector wise Classification of Gross NPA Asset Quality Amt in (₹ Cr) QE Mar24 QE Dec 24 QE Mar25 Sector Amount % of total Amount % of total Amount % of total Retail 2,240 8 1,874 8 1,937 9 Agriculture 9,540 33 9,122 38 9,389 43 MSME 10,066 34 10,222 42 7,461 34 Corporate 6,983 24 2,460 10 2,574 12 To

  30. Slide 30: Asset Quality Ratio (Global)

    Asset Quality Ratio (Global) Asset Quality (Amt in ₹ Cr) Particulars 31.03.24 31.03.25 Gross NPA 29,183 21,749 Net NPA 6,845 5,359 Gross NPA (%) 4.98 3.27 Net NPA (%) 1.22 0.82 Provision Coverage (%) 90.59 92.39 Slippage Ratio (%)* 1.58 1.36 Credit Cost (%)* 0.78 0.76 * Ratios is for full year i.e F

  31. Slide 31: Summary of NCLT Cases Domestic (As on 31.03.25)

    Summary of NCLT Cases Domestic (As on 31.03.25) Asset Quality (Amt in ₹ Cr) Total Book Outstanding Provision Provision Particulars No. of Accounts (FB) held (%) RBI List -1 2 1,380 1,380 100 RBI List -2 6 1,630 1,630 100 Cases filed and admitted in NCLT by 68 5,781 4,918 85 our Bank Cases under admi

  32. Slide 32: Capital Adequacy

    Capital Adequacy Capital & Shareholding (Amt in ₹ Cr) Particulars 31.03.24 31.12.24 31.03.25 Particulars 31.03.24 31.12.24 31.03.25 Capital Adequacy - Basel III Total RWA 4,12,078 4,48,923 4,45,960 CET-1 Capital 58,660 58,197 66,194 Credit RWA 3,46,220 3,88,195 3,89,429 Tier I Capital 61,512 61,049

  33. Slide 33: Ratings & Shareholding Pattern

    Ratings & Shareholding Pattern Ratings Capital & Shareholding Rating Agency Rating Shareholding (%) Shareholding (%) Particulars As on 31.12.24 As on 31.03.25 Domestic Short Term Rating CRISIL Ltd. AA+ (Stable) Government 73.38 73.38 ICRA Ltd. AA+ (Stable) of India Others, Indian 12.02% India Rating

  34. Slide 34: Digital Initiatives

    Digital Initiatives WhatsApp Banking @ +91 7997987601 E-Platform Access to a range of services designed Digital journey to a host of banking products. to meet daily banking needs 27 more products were added during this FY. Updated Customer Relationship Module (CRM Next) & UDIR-ATM NACH e-mandate Reg

  35. Slide 35: BOI OMNI NEO Platform

    BOI OMNI NEO Platform BOI Mobile Omni Neo Bank FY25 Business Data (Count) ❖ Over 440 services from any mobile device 2,13,655 9,238 Bill Payment Loan Mutual Funds ❖ 90 lakh customers on- Deposit Credit Card boarded Opened Onboarded ❖ 52 lakhs new customers in FY 24-25 Tax 60,157 Account Doorstep 2,7

  36. Slide 36: Digital Banking

    Digital Banking UPI Ecosystem 221 lakh + 8 lakh + (17%) 26 lakh + 21 Foreign Currencies UPI Customers New Customers Added UPI Customers @ BOI Enabled & Mobile Omni Neo Active in 40 Countries Merchant Acquisition No. of Merchants Acquiring Turnover (₹ crores) Avg. Turnover / Merchant per Day (₹ lakhs

  37. Slide 37: Digital Transformation

    Digital Transformation Resiliency Operations Centre(ROC) Fintech Centre of Excellence (CoE) Project Star NexTech Open BOI (API Banking) Centralized Monitoring Hub • A future ready robust platform for Digital & Technology Transformation • Redefining API framework to • 24x7 monitoring team innovation,

  38. Slide 38: Digital Banking Alternate Delivery Channels

    Digital Banking Alternate Delivery Channels Digital Banking Quarterly Transaction Count (in Cr) Internet Banking Users (in lakhs) 162 154 171 164 132 93 124 92 Digital Total Total Digital 88 Total Digital 31.03.24 31.12.24 31.03.25 31.03.24 31.12.24 31.03.25 UPI Users (in lakhs) Mobile Banking Users

  39. Slide 39: Cyber Security Governance & Achievements

    Cyber Security Governance & Achievements Cyber Security Governance Digital Banking Cyber Security Comprehensive Cyber Integrated Digital Risk Center of Excellence (CS-CoE) Security Framework Management using IT-GRC Proactive Attack Centralized Cyber Threat Extensive Cyber Awareness Surface Managemen

  40. Slide 40: Major Products offered through Digital Platform

    Major Products offered through Digital Platform Digital Banking Retail Agriculture MSME Resources ❖ Star Home Loan ❖ KCC - Crop Loan / ❖ MSME Renewal ❖ Saving Accounts ❖ Top Up Loan Animal Husbandry ❖ MSME up to 200.00 ❖ Current Accounts ❖ Vehicle Loan ❖ Krishi Vahan lakh ❖ Term Deposits ❖ Education

  41. Slide 41: Overseas Business Operations

    Overseas Business Operations Other Parameters No of Categories foreign offices Overseas Branches (21) 21 Overseas Subsidiaries (4) 23 Overseas Joint Ventures 1 (1) Representative Offices 1 IFSC Banking Unit 1 (IBU)- GIFT Total No of 47 Foreign Offices Note: Major Global Business Centers are US (New

  42. Slide 42: Overseas Business Operations

    Overseas Business Operations Geography-wise Advances Composition (%) Other Parameters 31 26 Select Business Parameters of Overseas Branches (Amt in ₹ Cr) 13 8 8 7 Parameters FY 2024 FY 2025 3 2 2 1 0.1 Deposits 1,08,203 1,16,243 Advances 93,203 1,02,497 Business Mix 2,01,406 2,18,740 Total Income 7,

  43. Slide 43: Overseas Subsidiaries and Joint Ventures

    Overseas Subsidiaries and Joint Ventures Other Parameters (Amt in ₹ Cr) Subsidiary / Business Interest Operating Net Capital Deposits Advances Joint Venture Mix Income Profit Profit Bank of India (New Zealand) Ltd. 427 505 718 1,230 60 22 7 Bank of India (Tanzania) Ltd. 70 570 418 988 59 16 12 Bank

  44. Slide 44: Domestic Subsidiaries, Associates and Joint Ventures

    Domestic Subsidiaries, Associates and Joint Ventures Other Parameters As on 31.03.25 Book value Percentage S No Name of the Company Nature of Business (in INR Crores) Holding Subsidiaries - Domestic 1 BOI Merchant Bankers Ltd. Merchant Banking activities 10.00 100.00 Depository Participants activiti

  45. Slide 45: RRBs Sponsored by Bank of India

    RRBs Sponsored by Bank of India Other Parameters (Amt in ₹ Cr) Business Mix Profit S No Name of the RRB Area of operation (As on 31.03.25) (12M Mar 25) 1 Aryavart Bank Uttar Pradesh 63,279 94 Madhya Pradesh 2 Madhya Pradesh 36,944 185 Grameen Bank Vidharbha Konkan Maharashtra 3 11,013 -23 Grameen Ba

  46. Slide 46: Branch Network & Geographical Presence

    Branch Network & Geographical Presence Other Parameters Branch Network 31.03.25 Domestic Branches 5,306 ▪ Metro 974 ▪ Urban 851 ▪ Semi Urban 1,573 ▪ Rural 1,906 ▪ Digital Banking Units 2 Overseas Branches 22 Total No. of Branches 5,328 No of ATMs & CRA 8,003 No of BCs 1 23,281 Total No of Customer T

  47. Slide 47: Inclusive Growth Financial Inclusion

    Inclusive Growth Financial Inclusion Other Parameters Numbers in Lakhs PMJDY PMSBY PMJJBY APY New Initiatives ❖ Number of BC/BCAs as on 31.03.25: 40 23,281 (as on 31.03.24: 20,703) 285 289 124 ❖ 42 banking services at all BC/BCAs points 34 271 105 ❖ Instant Account Number generation 252 made availab

  48. Slide 48: Manpower Optimization

    Manpower Optimization Other Parameters No. of Centralized Units and Staff Human Resource and business ratios No. of Officers Central Processing Unit No. of Units Parameter As on 31.03.25 Posted Zonal Centralized 71 257 Operations Dept. Total No. of Employees 50,564 SME City Centre & 136 1114 Female

  49. Slide 49: People Initiatives

    People Initiatives Design of Talent Building Centers Digitally Enabled Leadership Rewards & Performance Target Setting & Management & of Excellence Postings & Succession Recognitions for Management Smart Analytics Skill (CoEs) Promotions Planning Employees (PMS) Tools Assessment Performance- Digital

  50. Slide 50: Environmental, Social & Governance (ESG)

    Environmental, Social & Governance (ESG) EEnvironmental S Social GGovernance Green Deposit scheme launched: Inclusive Growth Investing back in Well defined Star Harit Jama Yojana. ₹33 Cr Over 6.84 lakh beneficiaries communities we serve corporate garnered in over a month. under PM SVANidhi 17.69% Yo

  51. Slide 51: Disclaimer

    Disclaimer "This presentation has been prepared by Bank of India (the solely for general information purposes, not with regard to any specific objectives, financial situations or informational needs of any particular person. Except for the historical information contained herein, statements in this

  52. Slide 52: Thank You

    THANK YOU We express our gratitude to all our esteemed stakeholders for their support & trust and solicit their continued patronage to make our Bank grow exponentially in the coming years. (Commemorative Stamp on BOI released by India Post on 08.10.2024) © 2025 Bank of India. All rights reserved 51

Bank of India — FY2025 Earnings Presentation on 6ix