Bank Of India · NSE:BANKINDIA
Bank Of India — FY2026 Earnings Presentation
50 slides from Bank Of India's earnings presentation, May 8, 2026
Slide 1: Investor's Presentation – Audited Financial Results Q4/FY ended 31.03.2026
Bank of India BOI )111C *If Ref No.:HO:IRC:SVM:2026-27:42 F4-9tW Date: 08.05.2026 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, Dalal Street,
Slide 2: Performance Analysis FY 2025-26
Performance Analysis FY 2025-26
Slide 3: Table of Contents
Table of Contents Key Highlights 03 Business Performance 04-17 Financial Performance 18-22 Asset Quality 23-30 Capital & Share Holding 31-32 Digital Banking, ESG, etc. 33-50 2
Slide 4: Performance Highlights - FY 26 – YoY
Performance Highlights - FY 26 – YoY Global RAM Net Business Growth Profit 14.57% 19.11% 14.85% Global Retail Gross Deposits Advances NPA 13.56% 21.19% 129 bps Global Agriculture Net Advances Advances NPA 15.82% 17.60% 26 bps Retail MSME CRAR TDR Advances 10.47% 17.68% 24 bps 3
Slide 5: Global Business Mix
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Global Business Mix (Amt in Rs. Cr) 16,98,662 16,27,602 14,82,588 8,87,288 9,27,271 8,16,541 7,40,314 7,71,391 6,66,047 31.03.25 31.12.25 31.03.26 Global Deposits Global Advances Global Business Mi
Slide 6: Global Deposits and Advances
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Global Deposits and Advances (Amt in Rs. Cr) Domestic & Overseas Deposits Domestic & Overseas Advances 9,27,271 8,87,288 7,71,391 7,40,314 8,16,541 1,26,828 1,21,789 6,66,047 1,17,099 1,16,243 1,11
Slide 7: Global Deposits & Advances - Growth
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Global Deposits & Advances - Growth (Amt in Rs. Cr) QoQ Growth YoY Growth Particulars 31.03.25 31.12.25 31.03.26 Amount Percentage Amount Percentage Global 8,16,541 8,87,288 9,27,271 39,983 4.51 1,
Slide 8: Domestic Deposits
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Domestic Deposits (Amt in Rs. Cr) Types of Deposits 31.03.25 31.12.25 31.03.26 CASA (Amount) 2,80,316 2,89,620 3,00,765 CASA (%) 40.29 37.97 37.64 Total Term Deposits 4,15,447 4,73,229 4,98,193 Ret
Slide 9: Composition of Gross Domestic Advances
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Composition of Gross Domestic Advances (Amt in Rs. Cr) Growth Particulars 31.03.25 31.12.25 31.03.26 YoY (%) Retail 1,33,699 1,54,207 1,62,025 21.19 Agriculture 98,338 1,10,065 1,15,642 17.60 MSME
Slide 10: Retail Loans
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Retail Loans (Amt in Rs. Cr) Growth Particulars 31.03.25 31.12.25 31.03.26 YoY (%) 15% Home loans 67,826 76,061 79,178 16.74 8% Vehicle loans 20,828 23,925 24,726 18.72 49% Education loans 3,969 4,
Slide 11: Priority Sector Advances
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Priority Sector Advances (Amt in Rs. Cr) Regulatory Particulars 31.03.25 31.12.25 31.03.26 Target ANBC 4,73,348 5,25,971 5,36,823 Priority Sector 2,13,227 2,41,743 2,48,887 % To ANBC 40.00 45.05 45
Slide 12: Domestic Credit – Industry-wise Outstanding
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Domestic Credit – Industry-wise Outstanding (Amt in Rs. Cr) Particulars 31.03.25 31.12.25 31.03.26 Infrastructure 56,626 52,515 53,392 Basic Metal & Metal products 18,994 22,651 21,570 Textiles 6,4
Slide 13: NBFC Portfolio – Global Outstanding
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others NBFC Portfolio – Global Outstanding (Amt in Rs. Cr) 75% 76% 73% Particulars 31.03.25 31.12.25 31.03.26 31.03.25 AAA 64,297 71,135 76,456 31.12.25 31.03.26 AA 19,049 19,278 18,830 A 3,540 3,510 3,37
Slide 14: Global NBFC Portfolio – Rating Profile as on 31.03.2026
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Global NBFC Portfolio – Rating Profile as on 31.03.2026 (Percentage) Category AAA AA A BBB & Below Total NBFC-HFC 21.97 6.56 0.18 - 28.71 PSU 7.82 1.43 - - 9.25 Bank 4.01 1.67 - - 5.68 Private 10.1
Slide 15: Domestic Advances – Infrastructure Sector Outstanding
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Domestic Advances – Infrastructure Sector Outstanding (Amt in Rs. Cr) Particulars 31.03.25 31.12.25 31.03.26 Infra Bonds Raised in FY 26 Power 33,354 32,596 34,066 Infrastructure Bonds Raised on a)
Slide 16: Benchmark wise Distribution of Advances – Standard Domestic
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Benchmark wise Distribution of Advances – Standard Domestic (Amt in Rs. Cr) Standard Others , 8% Base Rate, 1% Benchmark Rates Advances Share (%) as on 31.03.26 MCLR, 26% Base Rate 2,042 0.32 MCLR
Slide 17: External Ratings wise Distribution of Standard Corporate Advances
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others External Ratings wise Distribution of Standard Corporate Advances Domestic Corporate Advances – Above ₹ 50 Cr 1.46% 6.30% 1.38% 8.75% 3.50% 3.34% 31.03.25 31.03.26 88.74% 86.53% A & above BBB Below
Slide 18: Domestic Investments
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Domestic Investments (Amt in Rs. Cr) As on 31.12.25 As on 31.03.26 Particulars AFS HTM FVTPL SUB-JV Total AFS HTM FVTPL SUB-JV Total SLR Investments 21,117 1,60,699 25,103 - 2,06,919 20,469 1,71,04
Slide 19: Net Interest Income (Global)
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Net Interest Income (Global) (Amt in Rs. Cr) Particulars QE Mar 25 QE Dec 25 QE Mar 26 YoY (%) FY25 FY26 YoY (%) Interest Income 18,323 18,928 19,476 6 70,826 75,160 6 a. Advances 13,064 13,681 14,
Slide 20: Non-Interest Income (Global)
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Non-Interest Income (Global) (Amt in Rs. Cr) Particulars QE Mar 25 QE Dec 25 QE Mar 26 YoY (%) FY25 FY26 YoY (%) Commission, Exchange & 480 480 521 8 1,714 1917 12 Brokerage Cross Selling (Third Pa
Slide 21: Operating Expenses (Global)
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Operating Expenses (Global) (Amt in Rs. Cr) Particulars QE Mar 25 QE Dec 25 QE Mar 26 YoY (%) FY25 FY26 YoY (%) 1. Staff Expenses 2,882 2,652 2811 -2 10,300 10,312 - 2. Overheads a. Rent, Taxes and
Slide 22: Operating Profit and Net Profit (Global)
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Operating Profit and Net Profit (Global) (Amt in Rs. Cr) Particulars QE Mar 25 QE Dec 25 QE Mar 26 YoY (%) FY 25 FY 26 YoY (%) Operating Profit 4,885 4,193 5,026 3 16,412 17,049 4 Provisions for -
Slide 23: Key Financial Ratios (Global)
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Key Financial Ratios (Global) Percentage Particulars QE Mar 25 QE Dec 25 QE Mar 26 FY 25 FY 26 Yield on Advances (%) 8.27 7.81 7.59 8.46 7.80 Yield on Investments (%) 7.03 6.84 6.91 7.10 6.88 Yield
Slide 24: Asset Classification: Global Advances
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Asset Classification: Global Advances (Amt in Rs. Cr) As on 31.03.25 As on 31.12.25 As on 31.03.26 Particulars Outstanding Share (%) Outstanding Share (%) Outstanding Share (%) Standard Advances 6,
Slide 25: Movement of NPA (Global)
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Movement of NPA (Global) (Amt in Rs. Cr) Segment QE Mar 25 QE Dec 25 QE Mar 26 FY 25 FY 26 Opening Balance (Gross NPA) 24,048 18,014 16,714 29,183 21,749 + Fresh Slippage 1,913 1,090 1,269 7,099 5,
Slide 26: Asset Quality Ratio (Global)
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Asset Quality Ratio (Global) (Amt in Rs. Cr) Particulars 31.03.25 31.03.26 Gross NPA 21,749 15,306 Net NPA 5,358 4,250 Gross NPA (%) 3.27 1.98 Net NPA (%) 0.82 0.56 Provision Coverage (%) 92.39 93.
Slide 27: Sector wise Classification of Gross NPA
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Sector wise Classification of Gross NPA (Amt in Rs. Cr) QE Mar 25 QE Dec 25 QE Mar 26 Sector Amount % of total Amount % of total Amount % of total Retail 1,937 9 1,466 9 1,345 9 Agriculture 9,389 4
Slide 28: Sector wise break-up of Slippages
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Sector wise break-up of Slippages (Amt in Rs. Cr) QE Mar 25 QE Dec 25 QE Mar 26 Sector Amount % of total Amount % of total Amount % of total Retail 137 7 126 11 84 6 Agriculture 953 47 367 32 455 3
Slide 29: SMA – Rs. 5 Cr & above
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others SMA – Rs. 5 Cr & above (Amt in Rs. Cr) 31.03.25 31.12.25 31.03.26 SMA Category Amount % to Std Adv Amount % to Std Adv Amount % to Std Adv SMA-0 1,761 0.27 761 0.11 1,601 0.21 SMA-1 3,652 0.57 558
Slide 30: Resolution Framework - Standard Restructuring (Domestic)
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Resolution Framework - Standard Restructuring (Domestic) (Amt in Rs. Cr) Outstanding as on 31.03.26 % of Gross Category Total Provision Resolution Resolution One Time Advances Framework 1.0 Framewo
Slide 31: Summary of NCLT Cases – Domestic (As on 31.03.26)
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Summary of NCLT Cases – Domestic (As on 31.03.26) (Amt in Rs. Cr) Total Book Provision Provision Particulars No. of Accounts Outstanding (FB) held (%) RBI List -1 2 1,404 1,404 100 RBI List -2 5 1,
Slide 32: Capital Adequacy
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Capital Adequacy (Amt in Rs. Cr) Regulatory Particulars 31.03.25 31.03.26 Particulars 31.03.25 31.03.26 Capital Capital Adequacy - Basel III Total RWA 4,45,960 4,96,849 CET-1 Capital 66,194 74,794
Slide 33: Ratings and Shareholding Pattern
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Ratings and Shareholding Pattern Rating Agency Rating Shareholding Shareholding Shareholding Pattern as on 31.03.2026 Domestic Long Term Rating Particulars (%) As on (%) As on 31.12.25 31.03.26 CRI
Slide 34: Digital Playbook
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Digital Playbook Digital Lending Platform WhatsApp Banking @ +91 7997987601 50 products (32 Assisted + 18 Self-serve) Access to a range of 26 services. Over 7.5 lakh now live; e-Signing & e-Documen
Slide 35: Digital Transformation
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Digital Transformation Resiliency Operations Center Project Star NexTech • 24x7 monitoring team for all • Redesigning existing journeys critical banking applications. Digital & Technology • Faster
Slide 36: Digital Banking – Alternative Delivery Channels
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Digital Banking – Alternative Delivery Channels Numbers Quarterly Transaction Count (in Cr) Internet Banking Users (in lakhs) 196 188 205 198 97 172 164 96 94 31.03.25 31.12.25 31.03.26 31.03.25 31
Slide 37: Digital Banking – Alternative Delivery Channels
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Digital Banking – Alternative Delivery Channels Onboarded During FY26 71 lakh + 39 lakh + 5.9 lakh + 4.9 lakh + 1.4 lakh + 1.3 lakh + Debit Cards Mobile Banking WhatsApp Internet Banking BOI CBDC A
Slide 38: Major Products offered through Digital Lending Platform
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Major Products offered through Digital Lending Platform Retail 1. Star Home Loan MSME 2. Top Up Loan 1. MSME Renewal upto 3. Vehicle Loan Agriculture 10.00 lakh Digital Lending Platform 4. Educatio
Slide 39: Cyber Security Governance – Compliance & Achievements
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Cyber Security Governance – Compliance & Achievements Tools for the detection of Mule Cyber Security Compliant to RBI CSF 2016 & ISO 27001:2022 Accounts Center of Excellence (CS-CoE) IT GRC 2024 IS
Slide 40: Overseas Business Operations
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Overseas Business Operations No of foreign Categories offices Overseas branches (21) 21 Overseas subsidiaries (4) 23 Overseas Associates (1) 1 Representative Offices 1 IFSC Banking Unit (IBU)-GIFT
Slide 41: Overseas Business Operations
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Overseas Business Operations (Amt in Rs. Cr) Parameters FY 25 FY 26 Geography-wise Advances Composition (%) 31% Deposits 1,16,243 1,26,828 25% 13% Advances 1,02,497 1,17,099 10% 7% 6% 2% 2% 2% 1% 1
Slide 42: Overseas Subsidiaries and Associates - 31.03.2026
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Overseas Subsidiaries and Associates - 31.03.2026 (Amt in Rs. Cr) Business Interest Operating Net Subsidiaries / Associates Capital Deposits Advances Mix Income Profit Profit Bank of India (New 351
Slide 43: Domestic Subsidiaries and Associates - 31.03.2026
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Domestic Subsidiaries and Associates - 31.03.2026 Carrying value Percentage S No Name of the Company Nature of Business (in INR Crores) Holding Subsidiaries - Domestic 1 BOI Merchant Bankers Ltd. M
Slide 44: Branch Network & Geographical Presence
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Branch Network & Geographical Presence Branch Network 31.03.25 31.03.26 Domestic Branches 5,304 5,511 ▪ Metro 974 1022 ▪ Urban 851 913 ▪ Semi Urban 1,573 1,642 ▪ Rural 1,906 1,934 Overseas Branches
Slide 45: Inclusive Growth – Financial Inclusion
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Inclusive Growth – Financial Inclusion Numbers in lakhs PMJDY PMSBY PMJJBY APY 136 49 310 308 124 289 40 285 Highlights ❖ Number of BC/BCAs as on 31.03.26: 25,053 (as on 31.03.25: 23,281) ❖ 54 bank
Slide 46: Manpower Optimisation
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Manpower Optimisation No. of Centralized Units and Staff Human Resource and Business Ratios No. of Officers Central Processing Unit No. of Units Parameter As on 31.03.26 Posted Zonal Centralized 69
Slide 47: People Initiatives – Project StarLIGHT
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others People Initiatives – Project StarLIGHT (Leading Innovation and Growth with Human Talent) Linking Business Strategy with Driving Engagement and HR Wellness Building strong Learning Culture • Target
Slide 48: Environmental, Social & Governance (ESG)
Business Performance Financial Performance Asset Quality Capital & Share Holding Digital, ESG & Others Environmental, Social & Governance (ESG) Environmental Social Governance • CareEdge-ESG has assigned CareEdge ESG- Inclusive Growth Investing back in communities • Well defined corporate 1 Rating (
Slide 49: Disclaimer
Disclaimer "This presentation has been prepared by Bank of India (the “Bank”), 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
Slide 50: 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. www.bankofindia.co.in Visit: www.bankofindia.co.in Follow us on 49