Bank Of India · NSE:BANKINDIA
Bank Of India — Q3 FY2025-26 Earnings Presentation
49 slides from Bank Of India's earnings presentation, Jan 21, 2026
Slide 1: Investor's Presentation - Q3 FY26 Results Cover Letter
Nu a* BOI 44KP. Sank of Mei *If Ref. No.:HO:IRC:SVM:2025-26:388 Date: 21.01.2026 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 Q3 FY2025-26
PERFORMANCE ANALYSIS Q3 FY2025-26
Slide 3: Table of Contents
Table of Contents Key Business Financial Highlights Performance Performance 03 4 - 17 18 - 22 Asset Capital & Digital Banking, Quality Share Holding ESG, etc. 23 - 30 31 - 32 33 - 48 2
Slide 4: Performance Highlights - Q3FY26 YoY
Performance Highlights - Q3FY26 YoY Global Global Global Retail Agriculture MSME Business Deposits Advances Advances Advances Advances 12.54% 11.64% 13.63% 20.64% 16.69% 15.77% RAM Retail Operating Net Gross Net Growth TDR Profit Profit NPA NPA 18.05% 14.64% 13.24% 7.47% 143 bps 25 bps 3
Slide 5: Global Business Mix
Global Business Mix Business Performance (Amt in ₹ Cr) 16,27,602 15,62,446 14,46,295 8,53,301 8,87,288 7,94,788 7,09,145 7,40,314 6,51,507 31.12.24 30.09.25 31.12.25 Global Deposits Global Advances Global Business Mix 4
Slide 6: Global Deposits & Advances
Global Deposits & Advances Business Performance (Amt in ₹ Cr) Domestic & Overseas Deposits Domestic & Overseas Advances 8,87,288 7,40,314 8,53,301 7,09,145 7,94,788 6,51,507 1,11,234 1,23,203 1,21,789 1,11,795 1,16,162 1,05,238 7,30,098 7,65,499 5,97,350 6,29,080 6,78,626 5,46,269 31.12.24 30.09.25
Slide 7: Global Deposits & Advances Growth
Global Deposits & Advances Growth Business Performance (Amt in ₹ Cr) QoQ Growth YoY Growth Particulars 31.12.24 30.09.25 31.12.25 Amount Percentage Amount Percentage Global 7,94,788 8,53,301 8,87,288 33,987 3.98 92,500 11.64 Deposits Global 6,51,507 7,09,145 7,40,314 31,169 4.40 88,807 13.63 Advance
Slide 8: Domestic Deposits
Domestic Deposits 13% Business Performance (Amt in ₹ Cr) 46% 31.12.24 41% Types of Deposits 31.12.24 30.09.25 31.12.25 CASA (Amount) 2,77,190 2,86,492 2,89,620 13% CASA (%) 41.05 39.39 37.97 47% 30.09.25 40% Total Term Deposits 3,98,112 4,40,799 4,73,229 Retail Term Deposits (%) 45.70 47.41 46.38 16
Slide 9: Composition Of Gross Domestic Advances
Composition Of Gross Domestic Advances Business Performance (Amt in ₹ Cr) Growth Particulars 31.12.24 30.09.25 31.12.25 YoY(%) Agriculture 94,991 1,04,124 1,10,844 16.69 MSME 89,134 97,834 1,03,191 15.77 Retail 1,27,825 1,45,768 1,54,207 20.64 RAM* 3,11,950 3,47,726 3,68,242 18.05 Corporate & Others
Slide 10: Retail Loans
Retail Loans Business Performance (Amt in ₹ Cr) 31.12.24 30.09.25 31.12.25 Growth Particulars 14% YoY (%) 9% Home loans 65,368 72,807 76,061 16.36 50% 30.09.25 9% Vehicle loans 20,018 22,177 23,925 19.52 3% 15% Education loans 3,788 4,052 4,161 9.85 Mortgage loans 10,011 13,255 14,430 44.14 15% Pers
Slide 11: Priority Sector Advances
Priority Sector Advances Business Performance (Amt in ₹ Cr) Regulatory Particulars 31.12.24 30.09.25 31.12.25 Target ANBC 4,58,281 5,03,530 5,25,914 Priority Sector 2,07,213 2,35,530 2,42,877 % To ANBC 40.00 45.22 46.78 46.18 Agriculture* 96,920 1,01,604 1,02,898 % To ANBC 18.00 21.15 20.18 19.57 Sm
Slide 12: Domestic Credit Industry Wise Outstanding
Domestic Credit Industry Wise Outstanding Business Performance (Amt in ₹ Cr) Particulars 31.12.24 30.09.25 31.12.25 Infrastructure 59,427 58,288 52,515 Basic Metal & Metal products 19,046 21,635 22,651 Textiles 6,431 6,432 6,585 Gems & Jewellery 2,734 3,122 3,016 Chemicals & Chemical products 8,346
Slide 13: NBFC Portfolio Global Outstanding
NBFC Portfolio Global Outstanding Business Performance NBFC Portfolio NBFC Rating Profile (Amt in ₹ Cr) Ratings 31.12.24 30.09.25 31.12.25 75% 75% 72% 31.12.24 30.09.25 AAA 59,785 69,579 71,135 31.12.25 AA 17,338 18,527 19,278 A 3,774 3,544 3,510 21% 20% 20% BBB & Below 1,683 1,394 1,430 5% 4% 4% 2%
Slide 14: Global NBFC Portfolio Rating Profile as on 31.12.25
Global NBFC Portfolio Rating Profile as on 31.12.25 Business Performance (Percentage) Category AAA AA A BBB & below Grand Total NBFC-HFC (%) 22.66 7.17 0.17 0.01 30.01 Backed by PSU 9.09 1.46 - - 10.55 Backed by Bank 4.15 2.10 - - 6.25 Private 9.42 3.61 0.17 0.01 13.21 NBFC-MFI (%) - 1.04 0.39 0.02
Slide 15: Domestic Advances - Infrastructure Sector Outstanding
Domestic Advances - Infrastructure Sector Outstanding Business Performance (Amt in ₹ Cr) Particulars 31.12.24 30.09.25 31.12.25 Infra Bonds in FY 26 1. Power 35,360 34,644 32,596 a) SEBs 14,178 11,069 9,239 Infrastructure Bonds Raised on 26.12.25 Generation 6,038 5,325 4,770 Transmission 2,205 1
Slide 16: Benchmark wise Distribution of Advances Standard Domestic
Benchmark wise Distribution of Advances Standard Domestic Business Performance (Amt in ₹ Cr) Standard Advances Others , 8% Benchmark Rates Share (%) as on 31.12.25 Base Rate, 1% Base Rate 2,220 0.36 MCLR, 27% MCLR 1,64,437 26.85 EBLR 3,95,069 64.50 EBLR, 64% Others 50,774 8.29 Grand Total 6,12,500 1
Slide 17: External Ratings wise Distribution of Standard Corporate Advances
External Ratings wise Distribution of Standard Corporate Advances Business Performance Domestic Corporate Advances Above ₹ 50 Cr 1.18% 7.08% 1.29% 7.42% 3.20% 3.21% 30.09.25 31.12.25 88.54% 88.08% A & above BBB Below BBB Unrated As on 31.12.25, Investment grade accounts form 91% of our Standard Corp
Slide 18: Domestic Investments
Domestic Investments Business Performance (Amt in ₹ Cr) As on 30.09.25 As on 31.12.25 Particulars AFS HTM FVTPL SUB-JV Total AFS HTM FVTPL SUB-JV Total SLR Investments 20,001 1,59,133 22,804 - 2,01,938 21,117 1,60,699 25,103 - 2,06,919 - of which Govt Securities 20,001 1,59,133 22,804 - 2,01,938 21,
Slide 19: Net Interest Income (Global)
Net Interest Income (Global) Financial Performance (Amt in ₹ Cr) Particulars QE Dec 24 QE Sep 25 QE Dec 25 YoY (%) 9M Dec 24 9M Dec 25 YoY (%) Interest Income 18,211 18,405 18,928 4 52,503 55,685 6 a. Advances 12,918 12,944 13,681 6 36,981 39,417 7 b. Investments 4,528 4,530 4,436 -2 12,862 13,590 6
Slide 20: Non-Interest Income (Global)
Non-Interest Income (Global) Financial Performance (Amt in ₹ Cr) Particulars QE Dec 24 QE Sep 25 QE Dec 25 YoY (%) 9M Dec 24 9M Dec 25 YoY (%) a. Commission, Exchange & Brokerage 462 511 480 4 1,233 1,397 13 b. Cross Selling (Third Party Commission) 68 77 23 -66 202 149 -26 c. Profit from Sale and R
Slide 21: Operating Expenses (Global)
Operating Expenses (Global) Financial Performance (Amt in ₹ Cr) Particulars QE Dec 24 QE Sep 25 QE Dec 25 YoY (%) 9M Dec 24 9M Dec 25 YoY (%) 1. Staff Expenses 2,441 2,452 2,652 9 7,417 7,500 1 2. Overheads a. Rent, Taxes and Lighting 251 262 266 6 734 772 5 146 180 181 24 419 535 28 Property c. Pri
Slide 22: Operating Profit and Net Profit (Global)
Operating Profit and Net Profit (Global) Financial Performance (Amt in ₹ Cr) Particulars QE Dec 24 QE Sep 25 QE Dec 25 YoY (%) 9M Dec 24 9M Dec 25 YoY (%) Operating Profit 3,703 3,821 4,193 13 11,527 12,023 4 Provisions for - Bad & Doubtful (NPA) 603 472 605 - 3,246 2,182 -33 - Non Performing - - -
Slide 23: Key Financial Ratios (Global)
Key Financial Ratios (Global) Financial Performance (Percentage) Particulars QE Dec 24 QE Sep 25 QE Dec 25 9M Dec 24 9M Dec 25 Yield on Advances (%) 8.55 7.81 7.81 8.65 7.88 Yield on Investments (%) 7.15 6.80 6.84 7.13 6.87 Yield on Funds (%) 7.22 6.87 6.94 7.20 6.91 Cost of Deposits (%) 4.96 4.85 4
Slide 24: Asset Classification: Global Advances
Asset Classification: Global Advances Asset Quality (Amt in ₹ Cr) As on 31.12.24 As on 30.09.25 As on 31.12.25 Particulars Outstanding Share (%) Outstanding Share (%) Outstanding Share (%) Standard Advances 6,27,459 96.31 6,91,130 97.46 7,23,600 97.74 Gross NPA 24,048 3.69 18,014 2.54 16,714 2.26 -
Slide 25: Movement of NPA (Global)
Movement of NPA (Global) Asset Quality (Amt in ₹ Cr) Segment QE Dec 24 QE Sep 25 QE Dec 25 Opening Balance (Gross NPA) 27,456 19,640 18,014 + Fresh Slippage 1,045 887 1,090 + Debits in existing NPA accounts 60 8 50 Total Addition 1,105 895 1,140 - Cash Recovery 1,264 1,022 1,046 - Upgradation 108 41
Slide 26: Asset Quality Ratio (Global)
Asset Quality Ratio (Global) Asset Quality (Amt in ₹ Cr) Particulars 31.12.24 30.09.25 31.12.25 Gross NPA 24,048 18,014 16,714 Net NPA 5,410 4,530 4,359 Gross NPA (%) 3.69 2.54 2.26 Net NPA (%) 0.85 0.65 0.60 Provision Coverage (%) 92.48 93.39 93.60 Slippage Ratio (%) 0.19 0.14 0.16 Credit Cost (%)
Slide 27: Sector wise Classification of Gross NPA
Sector wise Classification of Gross NPA Asset Quality Amt in (₹ Cr) QE Dec 24 QE Sep 25 QE Dec 25 Sector Amount % of total Amount % of total Amount % of total Retail 1,874 8 1,535 9 1,466 9 Agriculture 9,122 38 8,930 49 8,154 48 MSME 10,222 42 6,306 35 5,870 35 Corporate 2,460 10 999 6 1,090 7 Total
Slide 28: Sector wise breakup of Slippages
Sector wise breakup of Slippages Asset Quality (Amt in ₹ Cr) QE Dec 24 QE Sep 25 QE Dec 25 Sector Amount % of total Amount % of total Amount % of total Retail 140 13 149 17 126 11 Agriculture 392 35 503 56 367 32 MSME 490 44 345 38 476 42 Corporate 102 9 -84 -9 185 16 Total Domestic 1,124 101 913 10
Slide 29: SMA Rs. 5 Cr & above
SMA Rs. 5 Cr & above Asset Quality (Amt in ₹ Cr) Position of ₹ 5.00 crores & above 31.12.24 30.09.25 31.12.25 SMA Category Amount % to Std Adv Amount % to Std Adv Amount % to Std Adv SMA-0 2,096 0.33 2,460 0.36 761 0.11 SMA-1 2087 0.33 1,685 0.24 558 0.08 SMA-2 3096 0.49 2,020 0.29 4,120 0.57 Grand
Slide 30: Resolution Framework - Standard Restructuring (Domestic)
Resolution Framework - Standard Restructuring (Domestic) Asset Quality (Amt in ₹ Cr) Outstanding as on 31.12.25 % of Gross Category Total Provision Resolution Resolution One Time Advances Framework 1.0 Framework 2.0 Restructuring Retail 246 2,759 - 3,005 201 MSME 165 686 283 1,134 67 0.57 Corporate
Slide 31: Summary of NCLT Cases Domestic (As on 31.12.25)
Summary of NCLT Cases Domestic (As on 31.12.25) Asset Quality (Amt in ₹ 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 1,541 1,541 100 Cases filed and admitted in NCLT by our Bank 68 5,684 4,839 85 Cases under admi
Slide 32: Capital Adequacy
Capital Adequacy Capital & Share Holding (Amt in ₹ Cr) (Amt in ₹ Cr) Particulars 31.12.24 30.09.25 31.12.25 Particulars 31.12.24 30.09.25 31.12.25 Capital Adequacy - Basel III Total RWA 4,48,923 4,76,865 4,81,515 CET-1 Capital 58,197 66,255 66,311 Credit RWA 3,88,195 4,08,767 4,11,467 Tier I Capital
Slide 33: Ratings & Shareholding Pattern
Ratings & Shareholding Pattern Capital & Share Holding Rating Agency Rating Shareholding Shareholding Domestic Long Term Rating Particulars (%) As on (%) As on Shareholding (%) As on 31.12.25 30.09.25 31.12.25 CRISIL Ltd. AA+ (Stable) Others, ICRA Ltd. AA+ (Stable) Government 13.23% 73.38 73.38 of I
Slide 34: Digital Initiatives
Digital Initiatives Digital Banking WhatsApp Banking @ +91 7997987601 Digital Lending Platform • Digital journey to a host of banking • Access to a range of 26 services designed products; to meet daily banking needs. 50 products (32 Assisted + 18 Self-serve) • Over 6.4 lakh Active Users. now live. •
Slide 35: Digital Transformation
Digital Transformation Digital Banking Resiliency Operations Centralised Digital Payment Project Star NexTech Open BOI (API Banking) Centre(ROC) Processing System Centralized Monitoring Hub • Major payment rails under one Digital & Technology • Redefining API framework to • 24x7 monitoring team for
Slide 36: Alternate Delivery Channels
Digital Banking Alternate Delivery Channels Digital Banking Quarterly Transaction Count (in Cr) Internet Banking Users (in lakhs) 181 196 188 96 97 162 173 154 Digital Digital Total 92 Digital Total Total 31.12.24 30.09.25 31.12.25 31.12.24 30.09.25 31.12.25 UPI Users (in lakhs) Mobile Banking Users
Slide 37: Major Products offered through Digital Lending Platform
Major Products offered through Digital Lending Platform Digital Banking Retail Agriculture MSME Resources 1. Star Home Loan 1. KCC - Crop Loan / 1. MSME Renewal upto 1. Saving Accounts 2. Top Up Loan Animal Husbandry 10.00 lakh 2. Current Accounts 3. Vehicle Loan 2. Krishi Vahan 2. MSME up to ₹500 3
Slide 38: Cyber Security Governance-Compliance & Achievements
Cyber Security Governance-Compliance & Achievements Other Parameters Tools for the detection Cyber Security Compliant to RBI ISO 27001:2022 of Mule Accounts Center of CSF 2016 & ISO 22301:2019 Excellence (CS- IT GRC 2024 PCI DSS Certified CoE) • MuleHunter.AI - Tool • I4C - Data • AMLOCK Tool Proact
Slide 39: Overseas Business Operations
Overseas Business Operations Other Parameters No of Categories foreign offices Overseas Branches (21) 21 Overseas Subsidiaries (4) 23 Overseas Associates (1) 1 Representative Offices 1 IFSC Banking Unit 1 (IBU)- GIFT City Total No of 47 Foreign Offices Note: Major Global Business Centers are US (New
Slide 40: Overseas Business Operations
Overseas Business Operations Geography-wise Advances Composition (%) Other Parameters 30% 26% Select Business Parameters of Overseas Branches (Amt in ₹ Cr) 14% Parameters 31.12.24 30.09.25 31.12.25 9% 8% 6% 2% 2% 2% 1% 1% Deposits 1,16,163 1,23,203 1,21,789 Advances 1,05,238 1,11,795 1,11,234 Segmen
Slide 41: Overseas Subsidiaries and Associates - 31.12.2025
Overseas Subsidiaries and Associates - 31.12.2025 Other Parameters (Amt in ₹ Cr) Business Interest Operating Net Subsidiaries / Associates Capital Deposits Advances Mix Income Profit Profit Bank of India (New Zealand) Ltd. 261 553 792 1,345 46 13 6 Bank of India (Tanzania) Ltd. 79 606 510 1,116 53 1
Slide 42: Domestic Subsidiaries, Associates and Joint Ventures
Domestic Subsidiaries, Associates and Joint Ventures Other Parameters (As on 31.12.25) Carrying 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 &
Slide 43: Branch Network & Geographical Presence
Branch Network & Geographical Presence Other Parameters Branch Network 30.09.25 31.12.25 Domestic Branches 5,375 5,447 Metro 993 1010 Urban 874 890 Semi Urban 1,598 1,625 Rural 1,910 1,922 Overseas Branches 22 22 Digital Banking Units (DBU) 2 2 Total No. of Branches (Incl. 5,399 5,471 DBU) N
Slide 44: Inclusive Growth Financial Inclusion
Inclusive Growth Financial Inclusion Other Parameters (Numbers in Lakhs) PMJDY PMSBY PMJJBY APY 133 293 128 291 43 44 305 300 30.09.25 31.12.25 30.09.25 31.12.25 30.09.25 31.12.25 30.09.25 31.12.25 43
Slide 45: 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 31.12.25 Posted Zonal Centralized 69 425 Total No. of Employees Operations Dept. 51,157 SME City Centre & 140 1026 Female
Slide 46: People Initiatives Project StarLIGHT
People Initiatives Project StarLIGHT (Leading Innovation and Growth with Human Talent) Other Parameters Linking Business Strategy with Driving Engagement and HR Wellness Building strong Learning Culture • Performance reviews : Catchment area potential and risk appetite linked targets and • Employee
Slide 47: Environmental, Social & Governance (ESG)
Environmental, Social & Governance (ESG) E Environmental S Social GGovernance • CareEdge-ESG has assigned Inclusive Growth Investing back in communities CareEdge ESG-1 Rating (Score of • Well defined corporate • Around ₹2,000 Cr has been we serve 74.5) to BOI. governance policies. sanctioned under S
Slide 48: 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
Slide 49: 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. Visit: www.bankofindia.co.in Follow us on 48 © 2025 Bank of India. All rights reserved