Bank Of India · NSE:BANKINDIA
Bank Of India — Q1 FY2026-27 Earnings Presentation
63 slides from Bank Of India's earnings presentation, Sep 8, 2026
Slide 1: Exchange filing cover letter
arims Ortri Bol Bank of India Tkl-f Ref. No.:HO:IRC:AS:2026-27:184 ft-qW Date: 08-09-2026 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
Slide 2: Performance Analysis Q1 FY 2026-27
NIMMilli ONE TO ONE FOUNDATION DAY THE" - " r - NE". Vationship beyond banking Performance Analysis Q1 FY 2026-27 (Quarter Ended 30.06.26) Currency : INR
Slide 3: Disclaimer
Disclaimer NOT FOR RELEASE, PUBLICATION OR DISTRIBUTION, DIRECTLY OR INDIRECTLY, IN OR INTO THE UNITED STATES OR IN ANY OTHER JURISDICTION IN WHICH SUCH RELEASE, PUBLICATION OR DISTRIBUTION WOULD BE PROHIBITED BY APPLICABLE LAW. This presentation and the accompanying slides (the “presentation”) cont
Slide 4: Disclaimer Continues
Disclaimer Continues ONE TO ONE FOUNDATION DAY " This presentation does not constitute or form part of any offer to purchase, a solicitation of an offer to purchase, an offer to sell or an invitation or solicitation of an offer to sell, issue or subscribe for, securities in or into the United States
Slide 5: Disclaimer Continues
Disclaimer Continues +Au ONE TO ONE FOUNDATION Day rnr'_".;72 Past performance information in this presentation should not be relied upon as an indication of (and is not an indicator of) future performance. This presentation contains “forward-looking statements”. Such forward-looking statements invo
Slide 6: Macroeconomic Update
tristfmaly ignef S.410 ONE TO ONE FOUNDATION DAY "" - "r -"EMT Macroeconomic Update
Slide 7: Overview of the Indian economy and banking sector
Overview of the Indian economy and banking sector India’s GDP is expected to grow at a faster pace than of its larger peers and the global average The IMF projects India’s GDP growth at 6.5 % in calendar 7 6.5 year 2026, while the RBI projects real GDP growth at 6 6.7% in FY 2026-27. 5 4.4 4 3 3.1
Slide 8: Table of Contents
Table of Contents Key Business Financial Highlights Performance Performance 01 2 - 15 16 - 20 ***: Asset Capital, Digital Quality Banking HR, Share Holding ESG etc. & Group Performance 21 - 28 29-35 36-48
Slide 9: Key Highlights
Key Highlights Bank of India Global Business RAM Growth Net Profit 16.57% 19.75% 36.23% Global Deposits Retail Advances Gross NPA Key Highlights Q1 FY 2026-27 14.90% A 20.60% n Il• 111 bps -.= •110/ (YoY) Global Advances Agriculture Advances Net NPA 18.64% 18.92% 24 bps Corporate Advances■ 18.44% f
Slide 10: Business Performance
Business Performance an —
Slide 11: Global Business Mix
Business Performance Global Business Mix (Amt in ₹ Cr) 17,55,699 16,98,662 14,82,588 „,,,,,,,,,,'011\11'141111111.11i I I ILO/ Ito _ I /////67 • 9,57,924 9,27,271 7,97,775 8,16,541 7,71,391 6,66,047 4seAm -- 1/4N/I iiitirmilimm ,i,\”0\0\ 31.03.25 31.03.26 30.06.26 Global Deposits Global Advances Glo
Slide 12: Domestic & Overseas Deposits and Advances
Business Performance (Amt in ₹ Cr) Domestic & Overseas Deposits Domestic & Overseas Advances 31.03.25 31.03.25 8,16,541 6,66,047 7,00,298 1,16,243 5,63,550 1,02,497 31.03.26 31.03.26 9,27,271 7,71,391 8,00,443 1,26,828 6,54,292 1,17,099 30.06.26 30.06.26 9,57,924 7,97,775 8,24,963 1,32,961 6,73,833
Slide 13: Global Deposits & Advances - Growth
1 Business Performance Global Deposits & Advances - Growth (Amt in ₹ Cr) YoY Growth (30.06.26 over QoQ Growth 30.06.25) Particulars 31.03.25 31.03.26 30.06.26 Amount % Amount % Global Deposits 8,16,541 9,27,271 9,57,924 30,653 3.31 1,24,226 14.90 Global Advances 6,66,047 7,71,391 7,97,775 26,384 3.4
Slide 14: Domestic Deposits
, ONE TO OM Business Performance rounimoru DAy Domestic Deposits (Amt in ₹ Cr) Particulars 31.03.25 31.03.26 30.06.26 -- - CASA Amount 2,80,316 3,00,765 3,02,085 - = = CASA (%) 40.29% 37.64% 36.68% Total Term Deposits 4,15,447 4,98,193 5,21,377 of which Retail Term 45.89% 44.14% 42.00% Deposits (%)
Slide 15: Composition of Gross Domestic Advances
Business Performance Bank of India Composition of Gross Domestic Advances (Amt in ₹ Cr) Retail Agriculture MSME RAM Corporate Gross Domestic RAM & Others Advances Advances (%) 31.03.25 1,33,699 98,338 90,639 3,22,676 2,40,874 5,63,550 57.26% 31.03.26 1,62,025 1,14,593 1,06,660 3,83,278 2,71,014 6,54
Slide 16: Retail Loans
Business Performance Bank of India ONE TOONE Retail Loans (Amt in ₹ Cr) Growth 15% Particulars 31.03.25 31.03.26 30.06.26 YoY (%) (30.06.26 over 30.06.25) 8% Home loans 67,826 79,178 81,213 17 49% 10% Vehicle loans 20,828 24,726 25,296 20 3% Education loans 3,969 4,590 4,609 20 15% Mortgage loans 10
Slide 17: Priority Sector Advances
Business Performance Bank of India Priority Sector Advances (Amt in ₹ Cr) Particulars Regulatory Target 31.03.25 31.03.26 30.06.26 r p Ir p ANBC 4,73,348 5,36,823 5,38,858 Priority Sector 2,13,227 2,48,887 2,53,864 % To ANBC 40.00 45.05 46.36 47.11 Agriculture* 1,00,126 1,05,022 1,06,986 % To ANBC 1
Slide 18: Domestic Credit – Industry-wise Outstanding
Business Performance i Domestic Credit – Industry-wise Outstanding (Amt in ₹ Cr) Particulars 31.03.25 31.03.26 30.06.26 Infrastructure 56,626 53,392 54,967 Basic Metal & Metal products 18,994 21,570 22,341 Textiles 6,426 6,659 6,934 Gems & Jewellery 2,751 2,995 2,792 Chemicals & Chemical products 7,
Slide 19: NBFC Portfolio – Global Outstanding
Business Performance Bank of India 1 oTiVoN .... ........ NBFC Portfolio – Global Outstanding (Amt in ₹ Cr) Portfolio Mix (%) Particulars 31.03.25 31.03.26 30.06.26 76% 78% 73% • 31.03.25 • 31.03.26 • 30.06.26 AAA 64,297 76,456 78,037 9 AA 19,049 18,830 18,316 21% 19% 18% A 3,540 3,370 3,315 4% 4% 3
Slide 20: Global NBFC Portfolio – Rating Profile
Business Performance Global NBFC Portfolio – Rating Profile as on 30.06.26 (Percentage) Category AAA AA A BBB & Below Total NBFC-HFC 22 6 -- -- 28 PSU 8 1 -- -- 9 Bank 4 2 -- -- 6 Private 11 3 -- -- 14 NBFC-MFI -- 1 -- -- 1 Private -- 1 -- -- 1 NBFC-Others 55 12 3 1 71 PSU 4 -- 2 -- 6 Bank 23 -- --
Slide 21: Domestic Advances – Infrastructure Sector Outstanding
Business Performance Bank of India Domestic Advances – Infrastructure Sector Outstanding (Amt in ₹ Cr) Particulars 31.03.25 31.03.26 30.06.26 Power 33,354 34,066 35,758 a) SEBs 12,594 11,047 9,366 - Generation 5,691 5,611 4,274 - Transmission 2,062 1,655 1,445 - Distribution 4,841 3,781 3,647 b) PSU
Slide 22: Benchmark-wise Distribution of Advances
Business Performance Bank of India 43 Benchmark-wise Distribution of Advances – Standard Domestic (Amt in ₹ Cr) Others 8% Base Rate 1% Benchmark Standard Advances Share Rates as on 30.06.26 (%) MCLR 25% EBLR 4,35,365 66.01 MCLR 1,67,055 25.33 Base Rate 1,793 0.27 Others* 55,323 8.39 EBLR Grand Total
Slide 23: External Rating-wise Distribution of Corporate Advances
Business Performance External Rating-wise Distribution of Standard Corporate Advances Domestic Corporate Advances – Above ₹ 50 Cr 0• 31.03.26 • A & above 86.53% 0• 30.06.26 • A & above 86.80% •• 31.03.26 BBB Below BBB Unrated 3.34% 1.38% 8.75% •• 30.06.26 BBB Below BBB Unrated 3.57% 1.23% 8.40% As o
Slide 24: Domestic Investments
Business Performance Bank of India Domestic Investments (Amt in ₹ Cr) 31.03.26 30.06.26 Particulars AFS HTM FVTPL SUB-JV Total AFS HTM FVTPL SUB-JV Total I I 2,08,569 SLR Investments 20,469 1,71,048 17,146 - 2,08,663 23,808 6,860 - 1,77,901 6,860 - of which 20,469 1,71,048 17,146 - 2,08,663 23,808 1
Slide 25: Financial Performance
Financial Performance
Slide 26: Net-Interest Income (Global)
Financial Performance Bank of India ° Net-Interest Income (Global) (Amt in ₹ Cr) YoY (%) Particulars 31.03.25(12 M) 31.03.26(12M) 30.06.26(3M) 30.06.26 over 30.06.25 Interest Income 70,826 75,160 19,949 8.70 a. Advances 50,045 53,472 14,358 12.24 b. Investments 17,205 18,050 4,532 -1.99 c. Money Mar
Slide 27: Non-Interest Income (Global)
Financial Performance Bank of India 43 Non-Interest Income (Global) (Amt in ₹ Cr) YoY (%) Particulars 31.03.25(12 M) 31.03.26(12M) 30.06.26(3M) 30.06.26 over 30.06.25 Commission, Exchange & 1,714 1917 404 -0.50 Brokerage I AO .144/ Cross Selling (Third Party 281 260 59 20.41 Commission) Profit from
Slide 28: Operating Expenses (Global)
Financial Performance Operating Expenses (Global) (Amt in ₹ Cr) YoY (%) Particulars 31.03.25(12M) 31.03.26(12M) 30.06.26(3M) 30.06.26 over 30.06.25 1. Staff Expenses 10,300 10,312 2,603 8.64 2. Overheads a. Rent, Taxes & Lighting 990 1,049 281 15.64 b. Depreciation on Bank’s Property 594 720 195 12.
Slide 29: Operating Profit and Net Profit (Global)
Financial Performance Bank of India ONE TO ONE Operating Profit and Net Profit (Global) (Amt in ₹ Cr) YoY (%) Particulars 31.03.25(12M) 31.03.26(12M) 30.06.26(3M) 30.06.26 over 30.06.25 Operating Profit 16,412 17,049 5,051 25.99 Provisions for 4,593 3,393 1,144 3.62 - Bad & Doubtful (NPA) - Non Perf
Slide 30: Key Financial Ratios (Global)
Financial Performance Bank of India Key Financial Ratios (Global) Particulars FY 2024-25 FY 2025-26 Q1 FY 2026-27 Yield on Advances (%) 8.46 7.80 7.46 Yield on Investments (%) 7.10 6.88 6.87 Yield on Funds (%) 7.24 6.81 6.77 Cost of Deposits (%) 4.93 4.80 4.69 Cost of Funds (%) 4.75 4.53 4.45 Net In
Slide 31: Asset Quality
Asset Quality
Slide 32: Asset Classification: Global Advances
Asset Quality Bank of India 43 Asset Classification: Global Advances (Amt in ₹ Cr) 31.03.25 31.03.26 30.06.26 Particulars Outstanding Share (%) Outstanding Share (%) Outstanding Share (%) Standard Advances 6,44,298 96.73 7,56,085 98.02 7,83,321 98.19 Gross NPA 21,749 3.27 15,306 1.98 14,454 1.81 - S
Slide 33: Movement of NPA (Global)
Asset Quality ONE TO ONE Bank of India Movement of NPA (Global) (Amt in ₹ Cr) Segment FY 2024-25 FY 2025-26 Q1 FY 2026-27 Opening Balance (Gross NPA) 29,183 21,749 15,306 + Fresh Slippage 7099 5,326 1,778 + Debits in existing NPA accounts 489 226 53 Total Addition 7,588 5,552 1,831 - Cash Recovery 5
Slide 34: Asset Quality Ratios
Asset Quality Bank of India Asset Quality Ratio (Global) (Amt in ₹ Cr) Gross Net Gross Net Provision Coverage Slippage Credit Cost •No NPA NPA NPA (%) NPA (%) (%) Ratio (%) (%) 31.03.25 21,749 5,358 3.27 0.82 92.39 1.36 0.76 31.03.26 30.06.26 15,306 4,250 110 IN IN 1.98 0.56 93.57 0.83 111 0.48 14,4
Slide 35: Sector wise classification of Gross NPA
Asset Quality ONE TO ONE Bank of India Sector wise classification of Gross NPA (Amt in ₹ Cr) 31.03.25 31.03.26 30.06.26 Sector Amount % of total Amount % of total Amount % of total Retail 1,937 9 1,345 9 1,507 10 Agriculture 9,389 43 7,167 47 6,417 45 MSME 7,461 34 5,288 35 5,488 38 Corporate 2,574
Slide 36: SMA – ₹5 Cr & above
Asset Quality ONE TO ONE SMA – ₹ 5 Cr & above (Amt in ₹ Cr) 31.03.25 31.03.26 30.06.26 SMA Category Amount % to Std Adv Amount % to Std Adv Amount % to Std Adv SMA-0 1,761 0.27 1,601 0.21 675 0.09 SMA-1 3,652 0.57 2,709 0.36 2,844 0.36 SMA-2 508 0.08 403 0.05 578 0.07 Grand Total 5,921 0.92 4,713 0.
Slide 37: Sector wise break-up of Fresh Slippages
Asset Quality Sector wise break-up of Fresh Slippages (Amt in ₹ Cr) 31.03.25 31.03.26 30.06.26 Sector Amount % of total Amount % of total Amount % of total Retail 137 7 84 6 320 17 Agriculture 953 47 455 33 891 49 MSME 834 42 780 57 566 31 Corporate 64 3 25 2 54 3 Total Domestic 1,988 99 1,344 98 1,
Slide 38: Resolution Framework - Standard Restructuring
Asset Quality Resolution Framework - Standard Restructuring (Domestic) (Amt in ₹ Cr) Resolution Resolution One time % of Total Provision Framework 1.0 Framework 2.0 Restructuring Gross Advances Retail 232 2,519 - 2,751 220 MSME 135 588 240 963 8 0.47 Corporate & Others 21 - - 21 Total 388 3,107 240
Slide 39: Summary of NCLT Cases – Domestic
1 Asset Quality Summary of NCLT Cases – Domestic (Amt in ₹ Cr) Total Book Particulars No. of Accounts Outstanding (FB) Provision held Provision % RBI List -1 2 1,404 1,404 100% RBI List -2 5 1,501 1,501 100% Cases filed and admitted in NCLT by our Bank 74 5,561 4,701 85% Cases under admission in NCL
Slide 40: Capital, Share Holding & Group Performance
Capital, Share Holding & Group Performance
Slide 41: Capital Adequacy
Capital ONE TO ONE Bank of India Capital Adequacy (Amt in ₹ Cr) Regulatory Particulars 31.03.26 30.06.26 Particulars 31.03.26 30.06.26 Capital lilt' Capital Adequacy - Basel III a Total RWA 4,96,849 4,93,354 CET-1 Capital 74,794 78,778 Credit – RWA 4,27,526 4,25,809 Tier I Capital 76,294 80,278 Mark
Slide 42: Ratings and Shareholding Pattern
Capital & Share Holding ONE TO ONE Bank of India Ratings and Shareholding Pattern Domestic Long Term Rating CRISIL Ltd. ICRA Ltd. India Ratings Indian AA+ AA+ AA+ Shareholding Shareholding public, Others, (Stable) (Stable) (Stable) Particulars (%) As on (%) As on 4.64% 14.15% 31.03.26 30.06.26 CARE
Slide 43: Overseas Business Operations
Overseas Performance Overseas Business Operations (Amt in ₹ Cr) Geography-wise Advances Composition (%) Parameters 31.03.25 31.03.26 30.06.26 31% el, Deposits 1,16,243 1,26,828 1,32,961 25% O Advances 1,02,497 1,17,099 1,23,942 13% 10% 7% a Business Mix 2,18,740 2,43,926 2,56,903 6% 2% 2% 2% 1% 1% T
Slide 44: Overseas Subsidiaries and Associates – Q1 FY 2026-27
Overseas Group Performance ONE TO ONE Bank of India Overseas Subsidiaries and Associates – Q1 FY 2026-27 (Amt in ₹ Cr) Subsidiaries / Bank of India Bank of India Bank of India PT Bank of India Indo Zambia Associates (New Zealand) Ltd. (Tanzania) Ltd. (Uganda) Ltd. Indonesia, Tbk Bank Capital 256 78
Slide 45: Domestic Subsidiaries and Associates – Q1 FY 2026-27
1 '1 Domestic Group Performance ONE TO ONE Bank of India Domestic Subsidiaries and Associates – Q1 FY 2026-27 (Amt in ₹ Cr) Net Worth Sr. No. Name of the Company Nature of Business (BOI Share) % Holding 01 BOI Merchant Bankers Ltd. Merchant Banking activities 25 100.00 02 BOI Services Ltd. Depositor
Slide 46: Branch Network & Geographical Presence
Branch Network Bank of India Branch Network & Geographical Presence Branch Network 31.03.26 30.06.26 Domestic Branches 5,511 5,510 Metro 1022 1022 Urban 913 913 Semi Urban 1,642 1,640 Rural 1,934 1,935 Overseas Branches 22 21 Digital Banking Units 2 2 Total Branches ATMs & CRAs Bank Correspo
Slide 47: Overseas Network
Overseas Bank of India Overseas Network *06000 *100040 Categories No. of foreign offices 0000 064040406 0660 060040400 /0606 /0000 00 40 414 *1* • 6000 000* •*** *44* ** *0 44 4+4444* 4+0444* • 6 WO *44 *44 **** **** • • 0* 0* ....* ....* ****** ****** 0 . ****** ****** 1** I** 04.0****** ***** 40.
Slide 48: Digital Banking, HR, ESG & Others
Digital Banking, HR, ESG & Others
Slide 49: Digital Initiatives
Digital Banking Bank of India 43 Digital Initiatives Digital Lending Platform Digital transformation 52 products (34 Assisted + 18 Self-serve) • 36 ML models in production across eight now live; e-Signing & e-Documentation business domains (DDE) • 215+ APIs are live in production with a further 150+
Slide 50: Digital Banking – Alternative Delivery Channels (ADC)
Digital Banking Bank of India Digital Banking – Alternative Delivery Channels (ADC) 3.84 crore + ADC Banking Volumes Q1 FY 27 Debit Growth Volume of Transactions (Nos. in Billion) Growth Value of Transactions (₹ Billion) Cards 139 lakh + 5,600 Mobile Banking 4,770 17% (Omni Neo) 2.08 22% Internet 1.
Slide 51: Major Products offered through Digital Platform
Digital Banking ONFTOONE Bank of India -- Major Products offered through Digital Platform Retail Loan Star Home Loan (4M (On 1 , MSME Loan MSME Renewal up to 10.00 lakh Agriculture Loan KCC - Crop Loan / 111 * Deposits Animal Husbandry Saving Accounts Top Up Loan MSME up to ₹750 lakh Krishi Vahan *)
Slide 52: Cyber Security Governance – Compliance & Achievements
Digital Banking 01.1F;;ONE Bank of India Cyber Security Governance – Compliance & Achievements !CCM!. OM Cyber Governance and Compliance • C~ Detection Tools of ISO 27001:2022 Cyber Security Compliant to RBI CSF 2016 Mule Accounts ISO 22301:2019 Center of Excellence (CS-CoE) & IT GRC 2024 PCI DSS Ce
Slide 53: Performance of Analytics based Leads
Digital Banking ONE TOONE Bank of India Performance of Analytics based Leads (as on 30.06.26) (Amt in ₹ Cr) Sanctioned Limit Home Loan MSME ₹5,587 Cr Limit Enhancement 31% ₹4,124 Cr 22.9% 11,521 3,220 Total MSME CCOD ₹18034 Cr Personal Loan & TL ₹3,005 Cr ₹2,617 Cr 16.7% 3,368 14.5% 3,618 3,433 Vehi
Slide 54: Inclusive Growth – Financial Inclusion
Financial Inclusion Bank of India Inclusive Growth – Financial Inclusion Numbers in Lakhs PMJDY PMSBY PMJJBY APY 137 45 298 310 124 290 41 Key Highlights 288 BC/BCAs: 24,845 Banking services points: 54 RSETI: 44 43 RSETI graded “AA” by Ministry of Rural Development. 30.06.25 30.06.26 30.06.25 30.06.
Slide 55: Manpower
Human Resources Bank of India 4'1\ Manpower No. of Centralized Units and Staff – 30.06.26 Human Resource and Business Ratios Central Processing Unit No. of Units No. of Officers Posted Parameter As on 30.06.26 •-• •• Zonal Centralized 69 411 •• • Total No. of Employees 52,366 Operations Dept. Female
Slide 56: People Initiatives – Project Star LIGHT
Human Resources Bank of India People Initiatives – Project Star LIGHT Manpower Composition Manpower Numbers Position STAR HR • • SAMVAAD Transformation DRONA Officer 29,666 Project Leading innovation & growth with Award Staff 22,700 91 STAR Human Talent QlfrVidyAi Total 52,366 BOI APE Staff Average
Slide 57: Learning & Development Initiatives
Human Resources Bank of India 43 Learning & Development Initiatives Operational Risk and Acquisition of new Resilience for top Learning Management executives of the Bank System (LMS) Advanced Leadership for Inclusive Service training for • front line staff: regional language, Women Executives AGM &
Slide 58: Environmental, Social & Governance (ESG) Updates Q1 FY 27
ESG Environmental, Social & Governance (ESG) Updates Q1 FY 27 (...------. Environmental Social ( Governance Inclusive Growth Investing back in communities Bank continue to maintain Care Edge ESG-1 Rating, Well defined corporate Accessible banking to the unbanked 2.98 Cr + we serve while improving co
Slide 59: Customer Service Excellence
Customer Service Bank of India Customer Service Excellence CRM Next Initiatives for Customer CRM Next End-to-End Complaint & Grievances Redressal Mechanism Service Excellence Customer Excellence Branch Banking Department Various Level Intake (CEEB) For better customer Redressal and Digital platform,
Slide 60: Products and Services
Products and Services X 1===i111' RuPay„, Bak BOI Sftw 1._ca<41441,4.. Disse.gwed elocivtoriaelei fee. Wawa., ECLGS 5,0 CHOOSE THE RIGHT LOAN FOR YOUR NEEDS FINANCIAL SUPPORT WHEN di r I= - - i, ,A Smarter Way to Grow Your USD Deposits , --- 6 :in 9434. 0130.4 YOUR BUSINESS NEEDS IT MOST 1,, i _L ,:
Slide 61: Awards & Accolades
Awards & Accolades Bank of India A TESTAMENT TO TRANSPARENCY & INNOVATION Bank Of India awarded the BAANKNET Excellence in Price Discovery Award FY 2025-26 Inuip INNOVATIC . r v. . • owe AwAFros 406 nr5CIZWZBANKKO 11.11:4•OVATI ON • ' AkEEP.-rist am hymn.. mucTRINovvrpi • k 1 @ 11 ii L:7 Bank of Ind
Slide 62: Disclaimer
Bank of India 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 here
Slide 63: 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. ;MEE Mini 1111111111111111111111111- ft... Visit: www.bankofindia.bank.in Follow us on f 0 ED 0 kir