Bank Of India · NSE:BANKINDIA

Bank Of India — Q1 FY2026 Earnings Presentation

50 slides from Bank Of India's earnings presentation, Jul 29, 2025

  1. Slide 1: Bank of India Investor's Presentation Cover Letter

    km tfitin "Nik Bank of India Ref No.:HO:IRC:UR:2025-26:148 fa9tW Date: 29.07.2025 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, Dalal Street,

  2. Slide 2: Performance Analysis Q1 FY2025-26

    Performance Analysis Q1 FY2025-26 © 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 - 49 2 © 2025 Bank of India. All rights reserved

  4. Slide 4: Performance Highlights - Q1FY26 YoY

    Performance Highlights - Q1FY26 YoY Global Global Global Retail Agriculture MSME Business Deposits Advances Advances Advances Advances 10.37% 9.07% 12.02% 19.62% 12.19% 17.36% Non-Interest Operating Net Profit RoA Gross NPA Net NPA Income Profit 66.37% 9.03% 32.27% 12 bps 170 bps 24 bps 3 © 2025 Ban

  5. Slide 5: Global Business Mix

    Global Business Mix Business Performance (Amt in ₹ Cr) 14,82,588 15,06,142 13,64,660 8,16,541 8,33,698 7,64,396 6,66,047 6,72,444 6,00,264 30.06.24 31.03.25 30.06.25 Global Deposits Global Advances Global Business Mix 4 © 2025 Bank of India. All rights reserved

  6. Slide 6: Global Deposits & Advances

    Global Deposits & Advances Business Performance (Amt in ₹ Cr) Domestic & Overseas Deposits Domestic & Overseas Advances 8,16,541 8,33,698 7,64,396 6,66,047 6,72,444 1,16,243 1,23,421 1,16,479 6,00,264 1,02,497 1,07,147 92,095 6,47,917 7,00,298 7,10,277 5,63,550 5,65,297 5,08,169 30.06.24 31.03.25 30

  7. Slide 7: Global Deposits & Advances Growth

    Global Deposits & Advances Growth Business Performance (Amt in ₹ Cr) QoQ Growth YoY Growth Particulars 30.06.24 31.03.25 30.06.25 Amount Percentage Amount Percentage Global 7,64,396 8,16,541 8,33,698 17,157 2.10 69,302 9.07 Deposits Global 6,00,264 6,66,047 6,72,444 6,397 0.96 72,180 12.02 Advances

  8. Slide 8: Domestic Deposits

    Domestic Deposits 13% Business Performance (Amt in ₹ Cr) 44% 30.06.24 43% Types of Deposits 30.06.24 31.03.25 30.06.25 CASA (Amount) 2,74,973 2,80,316 2,81,846 14% 46% CASA (%) 42.68 40.29 39.88 31.03.25 40% Total Term Deposits 3,69,284 4,15,447 4,24,952 Retail Term Deposits (%) 44.63 45.89 46.49 14

  9. Slide 9: Composition Of Gross Domestic Advances

    Composition Of Gross Domestic Advances Business Performance (Amt in ₹ Cr) Growth Particulars 30.06.24 31.03.25 30.06.25 YoY% Agriculture 86,765 98,338 97,358 12.21 MSME 79,168 90,639 92,908 17.36 Retail 1,15,185 1,33,699 1,37,782 19.62 RAM* 2,81,118 3,22,676 3,28,048 16.69 Corporate & Others 2,27,05

  10. Slide 10: Retail Loans

    Retail Loans Business Performance (Amt in ₹ Cr) Growth 13% Particulars 30.06.24 31.03.25 30.06.25 YoY (%) 9% 31.03.25 8% 51% Home loans 60,700 67,826 69,197 14.00 3% 16% Vehicle loans 17,265 20,828 21,001 21.64 Education loans 3,473 3,969 3,846 10.74 Mortgage loans 9,256 10,758 10,762 16.27 15% 9% P

  11. Slide 11: Priority Sector Advances

    Priority Sector Advances Business Performance (Amt in ₹ Cr) Regulatory Particulars 30.06.24 31.03.25 30.06.25 Target ANBC 4,17,871 4,73,348 4,96,531 Priority Sector 1,90,563 2,13,227 2,28,842 % To ANBC 40.00 45.60 45.05 46.09 Agriculture* 88,924 1,00,126 99,025 % To ANBC 18.00 21.28 21.15 19.94 Smal

  12. Slide 12: Domestic Credit Industry Wise Outstanding

    Domestic Credit Industry Wise Outstanding Business Performance (Amt in ₹ Cr) Particulars 30.06.24 31.03.25 30.06.25 Infrastructure 60,330 56,626 58,089 Basic Metal & Metal products 20,289 18,994 18,893 Textiles 6,520 6,426 6,331 Gems & Jewellery 3,108 2,751 3,031 Chemicals & Chemical products 8,740

  13. Slide 13: NBFC Portfolio Global Outstanding

    NBFC Portfolio Global Outstanding Business Performance NBFC Portfolio NBFC Rating Profile (Amt in ₹ Cr) Ratings 30.06.24 31.03.25 30.06.25 74% 72% 72% 30.06.24 31.03.25 AAA 60,270 64,297 61,866 30.06.25 AA 13,752 19,049 18,436 A 4,163 3,540 3,688 22% 22% 17% BBB & Below 3,111 1,370 1,370 5% 4% 4% 4%

  14. Slide 14: Global NBFC Portfolio Rating Profile as on 30.06.25

    Global NBFC Portfolio Rating Profile as on 30.06.25 Business Performance (Percentage) Category AAA AA A BBB & below Grand Total NBFC-HFC (%) 19.82% 9.26% 0.31% 0.01% 29.38% Backed by PSU 7.17% 2.07% 0.00% 0.00% 9.24% Backed by Bank 3.36% 2.52% 0.00% 0.00% 5.88% Private 9.28% 4.67% 0.31% 0.01% 14.26%

  15. Slide 15: Domestic Advances - Infrastructure Sector Outstanding

    Domestic Advances - Infrastructure Sector Outstanding Business Performance (Amt in ₹ Cr) Particulars 30.06.24 31.03.25 30.06.25 Approval for Infrastructure Bonds 1. Power 35,503 33,354 34,066 FY 26 a) SEBs 15,217 12,594 11,832  Generation 6,548 5,691 5,611 ₹20,000 Crores  Transmission 2,441 2,062

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

    Benchmark wise Distribution of Advances Standard Domestic Business Performance (Amt in ₹ Cr) Standard Advances Others , 10% Benchmark Rates Share (%) as on 30.06.25 Base Rate, 1% Base Rate 2,942 0.54 MCLR, 30% MCLR 1,64,768 30.18 EBLR 3,24,634 59.47 EBLR, 59% Others 53,554 9.81 Grand Total 5,45,898

  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 ₹ 50 Cr 1.59% 5.92% 0.58% 8.64% 3.72% 3.53% 88.77% 87.25% 31.03.25 30.06.25 A & above BBB Below BBB Unrated As on 30.06.25, Investment grade accounts form 91% of our Standard Corp

  18. Slide 18: Domestic Investments

    Domestic Investments Business Performance (Amt in ₹ Cr) As on 31.03.25 As on 30.06.25 Particulars AFS HTM FVTPL SUB-JV Total AFS HTM FVTPL SUB-JV Total SLR Investments 26,176 1,56,996 16,156 - 1,99,328 23,025 1,54,937 33,418 - 2,11,380 - of which Govt Securities 26,176 1,56,996 16,156 - 1,99,328 23,

  19. Slide 19: Net Interest Income (Global)

    Net Interest Income (Global) Business Performance (Amt in ₹ Cr) QE Jun 24 QE Mar 25 QE Jun 25 YoY (%) Interest Income 16,938 18,323 18,352 8 a. Advances 11,994 13,064 12,792 7 b. Investments 4,040 4,343 4,624 14 c. Money Market Operations & Others 904 916 936 4 Interest Expended 10,663 12,260 12,284

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

    Non-Interest Income (Global) Financial Performance (Amt in ₹ Cr) Particulars QE Jun 24 QE Mar 25 QE Jun 25 YoY (%) a. Commission, Exchange & Brokerage 331 480 406 22 b. Cross Selling (Third Party Commission) 48 79 49 2 c. Profit from Sale and Revaluation of 166 711 820 393 Investments d. Profit from

  21. Slide 21: Operating Expenses (Global)

    Operating Expenses (Global) Financial Performance (Amt in ₹ Cr) Particulars QE Jun 24 QE Mar 25 QE Jun 25 YoY (%) 1. Staff Expenses 2,345 2,882 2,396 2 2. Overheads a. Rent, Taxes and Lighting 232 256 243 5 133 175 173 30 c. Printing and Stationery 21 30 23 10 d. Postage & Telecommunication 82 68 90

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

    Operating Profit and Net Profit (Global) Financial Performance (Amt in ₹ Cr) Particulars QE Jun 24 QE Mar 25 QE Jun 25 YoY (%) Operating Profit 3,677 4,885 4,009 9 Provisions for - Bad & Doubtful (NPA) 1,216 1,347 1,104 -9 - Non Performing Investment -282 - - - (NPI) - Standard Assets & Others 359 -

  23. Slide 23: Key Financial Ratios (Global)

    Key Financial Ratios (Global) Financial Performance Particulars QE Jun 24 QE Mar 25 QE Jun 25 Yield on Advances (%) 8.60 8.27 8.01 Yield on Investments (%) 7.13 7.03 6.98 Yield on Funds (%) 7.64 7.07 6.96 Cost of Deposits (%) 4.82 4.98 4.85 Cost of Funds (%) 4.81 4.73 4.66 Net Interest Margin (NIM)

  24. Slide 24: Asset Classification: Global Advances

    Asset Classification: Global Advances Asset Quality (Amt in ₹ Cr) As on 30.06.24 As on 31.03.25 As on 30.06.25 Particulars Outstanding Share (%) Outstanding Share (%) Outstanding Share (%) Standard Advances 5,72,548 95.38 6,44,299 96.73 6,52,804 97.08 Gross NPA 27,716 4.62 21,749 3.27 19,640 2.92 -

  25. Slide 25: Movement of NPA (Global)

    Movement of NPA (Global) Asset Quality (Amt in ₹ Cr) Segment QE Jun 24 QE Mar 25 QE Jun 25 Opening Balance (Gross NPA) 29,183 24,048 21,749 + Fresh Slippage 1,689 1,913 2,080 + Debits in existing NPA accounts 241 95 69 Total Addition 1,930 2,008 2,149 - Cash Recovery 1,201 1,975 1,226 - Upgradation

  26. Slide 26: Asset Quality Ratio (Global)

    Asset Quality Ratio (Global) Asset Quality (Amt in ₹ Cr) Particulars 30.06.24 31.03.25 30.06.25 Gross NPA 27,716 21,749 19,640 Net NPA 5,702 5,358 4,950 Gross NPA (%) 4.62 3.27 2.92 Net NPA (%) 0.99 0.82 0.75 Provision Coverage (%) 92.11 92.39 92.94 Slippage Ratio (%) 0.35 0.32 0.33 Credit Cost (%)

  27. Slide 27: Sector wise Classification of Gross NPA

    Sector wise Classification of Gross NPA Asset Quality Amt in (₹ Cr) QE Jun 24 QE Mar25 QE Jun 25 Sector Amount % of total Amount % of total Amount % of total Retail 2,412 9 1,937 9 1,645 8 Agriculture 9,537 34 9,389 43 8,936 46 MSME 10,657 39 7,461 34 6,563 33 Corporate 4,738 17 2,574 12 2,255 12 To

  28. Slide 28: Sector wise breakup of Fresh Slippages

    Sector wise breakup of Fresh Slippages Asset Quality (Amt in ₹ Cr) QE Jun 24 QE Mar25 QE Jun 25 Sector Amount % of total Amount % of total Amount % of total Retail 382 20 137 7 419 20 Agriculture 530 27 953 47 789 37 MSME 761 39 834 42 753 35 Corporate 229 12 64 3 139 6 Total Domestic 1,902 99 1,988

  29. Slide 29: SMA Rs. 5 Cr & above

    SMA Rs. 5 Cr & above Asset Quality (Amt in ₹ Cr) Position of ₹ 5.00 crores & above 30.06.24 31.03.25 30.06.25 SMA Category Amount % to Std Adv Amount % to Std Adv Amount % to Std Adv SMA-0 7,985 1.39 1,761 0.27 1,878 0.29 SMA-1 627 0.11 3,652 0.57 645 0.10 SMA-2 1042 0.18 508 0.08 4,498 0.69 Grand T

  30. Slide 30: Resolution Framework - Standard Restructuring (Domestic)

    Resolution Framework - Standard Restructuring (Domestic) Asset Quality (Amt in ₹ Cr) Outstanding as on 30.06.25 % of Gross Category Total Provision Resolution Resolution One Time Advances Framework 1.0 Framework 2.0 Restructuring Retail 264 2,999 - 3,263 326 MSME 212 815 324 1,351 118 Corporate 0.70

  31. Slide 31: Summary of NCLT Cases Domestic (As on 30.06.25)

    Summary of NCLT Cases Domestic (As on 30.06.25) Asset Quality (Amt in ₹ Cr) Total Book Provision Provision Particulars No. of Accounts Outstanding (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 our Bank 68 5,652 4,773 84 Cases under admi

  32. Slide 32: Capital Adequacy

    Capital Adequacy Capital & Share Holding (Amt in ₹ Cr) Particulars 30.06.24 31.03.25 30.06.25 Particulars 30.06.24 31.03.25 30.06.25 Capital Adequacy - Basel III Total RWA 4,25,610 4,45,960 4,57,350 CET-1 Capital 57,975 66,194 66,428 Credit RWA 3,64,928 3,89,429 3,87,751 Tier I Capital 60,827 68,996

  33. Slide 33: Ratings & Shareholding Pattern

    Ratings & Shareholding Pattern Capital & Share Holding Rating Agency Rating Shareholding (%) Shareholding (%) Particulars As on 31.03.25 As on 30.06.25 Shareholding (%) As on 30.06.25 Domestic Short Term Rating CRISIL Ltd. AA+ (Stable) Government Others, 73.38 73.38 ICRA Ltd. AA+ (Stable) of India 1

  34. Slide 34: Digital Initiatives

    Digital Initiatives Digital Banking WhatsApp Banking @ +91 7997987601 e-platform Access to a range of 22 services designed Digital journey to a host of banking products. to meet daily banking needs 29 products now live Over 3 lakh Active Users 15.5 lakh deposit customers onboarded; 2.2 lakh in Q1FY2

  35. Slide 35: Digital Banking

    Digital Banking Digital Banking UPI Ecosystem 227 lakh + 7 lakh 27 lakh + 21 Foreign Currencies UPI Customers New Customers Added UPI Customers @ BOI Enabled & in Q1FY26 Mobile Omni Neo Active in 40 Countries Merchant Acquisition No. of Merchants Quarterly Acquiring Turnover (₹ crores) 13,10,870 8,5

  36. Slide 36: Digital Transformation

    Digital Transformation Digital Banking Centralised Digital Payment Resiliency Operations Centre(ROC) Project Star NexTech Open BOI (API Banking) Processing System Centralized Monitoring Hub • Major payment rails under one Digital & Technology Transformation • Redefining API framework to • 24x7 monit

  37. Slide 37: Alternate Delivery Channels

    Digital Banking Alternate Delivery Channels Digital Banking Quarterly Transaction Count (in Cr) Internet Banking Users (in lakhs) 171 164 173 165 94 139 131 93 Digital Total Total Digital Total Digital 90 30.06.24 31.03.25 30.06.25 30.06.24 31.03.25 30.06.25 UPI Users (in lakhs) Mobile Banking Users

  38. Slide 38: Major Products offered through e-platform

    Major Products offered through e-platform Digital Banking Retail Agriculture MSME Resources 1. Star Home Loan 1. KCC - Crop Loan / 1. MSME Renewal 1. Saving Accounts 2. Top Up Loan Animal Husbandry 2. MSME up to ₹2.00 cr 2. Current Accounts 3. Vehicle Loan 2. Krishi Vahan 3. Mudra Sishu 3. Term Depo

  39. Slide 39: Cyber Security

    Cyber Security Governance Other Parameters Cyber Security Comprehensive Cyber Integrated Digital Risk Center of Excellence (CS-CoE) Security Framework Management using IT-GRC Digital Total Total Digital Total Digital Proactive Attack Centralized Cyber Threat Extensive Cyber Awareness Surface Managem

  40. Slide 40: 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

  41. Slide 41: Overseas Business Operations

    Overseas Business Operations Geography-wise Advances Composition (%) Other Parameters 30% 26% Select Business Parameters of Overseas Branches (Amt in ₹ Cr) 14% 9% 8% Parameters 30.06.24 31.03.25 30.06.25 6% 2% 2% 2% 1% 1% Deposits 1,16,479 1,16,243 1,23,421 Advances 92,095 1,02,497 1,07,147 Segment-

  42. Slide 42: Overseas Subsidiaries and Associates

    Overseas Subsidiaries and Associates Other Parameters (Amt in ₹ Cr) Business Interest Operating Net Subsidiaries / Associates Capital Deposits Advances Mix Income Profit Profit Bank of India (New Zealand) Ltd. 429 554 777 1,331 16 4 2 Bank of India (Tanzania) Ltd. 70 556 462 1,018 16 5 2 Bank of Ind

  43. Slide 43: Domestic Subsidiaries, Associates and Joint Ventures

    Domestic Subsidiaries, Associates and Joint Ventures Other Parameters (As on 30.06.25) 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 &

  44. Slide 44: Branch Network & Geographical Presence

    Branch Network & Geographical Presence Other Parameters Branch Network 30.06.25 Domestic Branches 5,304  Metro 972  Urban 856  Semi Urban 1,575  Rural 1,901 Overseas Branches 22 Digital Banking Units (DBU) 2 Total No. of Branches (Incl. DBU) 5,328 No of ATMs & CRA 7,986 No of BCs 23,676 Total No

  45. Slide 45: Inclusive Growth Financial Inclusion

    Inclusive Growth Financial Inclusion Other Parameters (Numbers in Lakhs) PMJDY PMSBY PMJJBY APY 288 290 124 41 275 106 35 253 30.06.24 30.06.25 30.06.24 30.06.25 30.06.24 30.06.25 30.06.24 30.06.25 44 © 2025 Bank of India. All rights reserved

  46. Slide 46: 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 30.06.25 Posted Zonal Centralized 68 431 Total No. of Employees Operations Dept. 50,874 SME City Centre & 136 1088 Female

  47. Slide 47: People Initiatives Project StarLIGHT

    People Initiatives Project StarLIGHT (Leading Innovation and Growth with Human Talent) Other Parameters Linking Business Driving Engagement Building strong Strategy with HR and Wellness Learning Culture Target setting: Catchment area potential Productivity Hacks: Seminars focused on L&D COE: Creatin

  48. Slide 48: Environmental, Social & Governance (ESG)

    Environmental, Social & Governance (ESG) E Environmental S Social GGovernance Green Deposit scheme launched: Inclusive Growth Investing back in Well defined corporate Star Harit Jama Yojana. ₹400 Cr Over 24 lakh small businesses communities we serve governance policies garnered in Q1FY26. assisted t

  49. Slide 49: 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

  50. 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. Visit: www.bankofindia.co.in Follow us on 49 © 2025 © 2025 Bank Bank of India. of India. All rights All rights

Bank of India — Q1 FY2026 Earnings Presentation on 6ix