Bank Of India · NSE:BANKINDIA
Bank Of India — Q1 FY 2026-27 Earnings Presentation
58 slides from Bank Of India's earnings presentation, Jul 24, 2026
Slide 1: Investor's Presentation - Unaudited Financial Results Q1 ended 30.06.2026
Ns an*IWOT Bank of India 141-1. T. Ref No.:HO:IRC:AS:2026-27:130 rCitW Date: 24.07.2026 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
Performance Analysis Q1 FY 2026-27
Slide 3: 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 4: Key Highlights Q1 FY 2026-27 (YoY)
Key Highlights Global Business RAM Growth Net Profit 16.57% 19.75% 36.23% Global Deposits Retail Advances Gross NPA Key Highlights Q1 FY 2026-27 (YoY) 14.90% 20.60% 111 bps Global Advances Agriculture Advances Net NPA 18.64% 18.92% 24 bps Corporate Advances MSME Advances CRAR 18.44% 19.34% 130 bps 0
Slide 5: Business Performance
Business Performance - fe en
Slide 6: Global Business Mix
Business Performance Global Business Mix (Amt in ₹ Cr) 17,55,699 16,98,662 15,06,142 9,57,924 9,27,271 7,97,775 8,33,698 7,71,391 6,72,444 30.06.25 31.03.26 30.06.26 Global Deposits Global Advances Global Business Mix 02
Slide 7: Domestic & Overseas Deposits and Advances
Business Performance (Amt in ₹ Cr) Domestic & Overseas Deposits Domestic & Overseas Advances Q1 FY 26 Q1 FY 26 8,33,698 6,72,444 7,10,277 1,23,421 5,65,297 1,07,147 Q4 FY 26 Q4 FY 26 9,27,271 7,71,391 8,00,443 1,26,828 6,54,292 1,17,099 Q1 FY 27 Q1 FY 27 9,57,924 7,97,775 8,24,963 1,32,961 6,73,833
Slide 8: Global Deposits & Advances - Growth
Business Performance Global Deposits & Advances - Growth (Amt in ₹ Cr) QoQ Growth YoY Growth Particulars 30.06.25 31.03.26 30.06.26 Amount % Amount % Global Deposits 8,33,698 9,27,271 9,57,924 30,653 3.31 1,24,226 14.90 Global Advances 6,72,444 7,71,391 7,97,775 26,384 3.42 1,25,331 18.64 Global Bus
Slide 9: Domestic Deposits
Business Performance Domestic Deposits (Amt in ₹ Cr) Particulars 30.06.25 31.03.26 30.06.26 CASA Amount 2,81,846 3,00,765 3,02,085 CASA (%) 39.88% 37.64% 36.68% Total Term Deposits 4,24,952 4,98,193 5,21,377 Retail Term Deposits (%) 46.49% 44.14% 42.00% 05
Slide 10: Composition of Gross Domestic Advances
Business Performance Composition of Gross Domestic Advances (Amt in ₹ Cr) Retail Agriculture MSME RAM Corporate Gross Domestic RAM & Others Advances Advances (%) 30.06.25 1,37,782 97,358 92,908 3,28,048 2,37,249 5,65,297 58.03% 31.03.26 1,62,025 1,14,593 1,06,660 3,83,278 2,71,014 6,54,292 58.57% 30
Slide 11: Retail Loans
Business Performance Retail Loans (Amt in ₹ Cr) 15% Growth Particulars 30.06.25 31.03.26 30.06.26 YoY (%) 8% Home loans 69,197 79,178 81,213 17 49% Vehicle loans 21,001 24,726 25,296 20 10% Education loans 3,846 4,590 4,609 20 3% Mortgage loans 10,762 15,617 16,280 51 15% Personal loans 12,721 13,16
Slide 12: Priority Sector Advances
Business Performance Priority Sector Advances (Amt in ₹ Cr) Particulars Regulatory Target 30.06.25 31.03.26 30.06.26 ANBC 4,96,531 5,36,823 5,38,858 Priority Sector 2,28,842 2,48,887 2,53,864 % To ANBC 40.00 46.09 46.36 47.11 Agriculture* 99,025 1,05,022 1,06,986 % To ANBC 18.00 19.94 19.56 19.85 Sm
Slide 13: Domestic Credit Industry-wise Outstanding
Business Performance Domestic Credit Industry-wise Outstanding (Amt in ₹ Cr) Particulars 30.06.25 31.03.26 30.06.26 Infrastructure 58,089 53,392 54,967 Basic Metal & Metal products 18,893 21,570 22,341 Textiles 6,331 6,659 6,934 Gems & Jewellery 3,031 2,995 2,792 Chemicals & Chemical products 7,653
Slide 14: NBFC Portfolio Global Outstanding
Business Performance NBFC Portfolio Global Outstanding (Amt in ₹ Cr) Portfolio Mix (%) Particulars 30.06.25 31.03.26 30.06.26 76% 78% 72% 30.06.25 31.03.26 30.06.26 AAA 61,866 76,456 78,037 AA 18,436 18,830 18,316 22% 19% 18% A 3,688 3,370 3,315 4% 4% 3% 2% 1% 1% BBB & Below 1,370 1,399 1,054 Total
Slide 15: Global NBFC Portfolio Rating Profile as on 30.06.2026
Business Performance Global NBFC Portfolio Rating Profile as on 30.06.2026 (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 16: Domestic Advances Infrastructure Sector Outstanding
Business Performance Domestic Advances Infrastructure Sector Outstanding (Amt in ₹ Cr) Particulars 30.06.25 31.03.26 30.06.26 Power 34,066 34,066 35,758 a) SEBs 11,832 11,047 9,366 - Generation 5,611 5,611 4,274 - Transmission 1,655 1,655 1,445 - Distribution 4,566 3,781 3,647 b) PSUs & Pvt Power Co
Slide 17: Benchmark-wise Distribution of Advances Standard Domestic
Business Performance 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 6,59,536 100.00 66
Slide 18: External Rating-wise Distribution of Standard Corporate Advances
Business Performance External Rating-wise Distribution of Standard Corporate Advances Domestic Corporate Advances Above ₹ 50 Cr 31.03.26 30.06.26 A & above 86.53% A & above 86.80% BBB 3.34% BBB 3.57% 30.06.25 30.06.26 Below BBB 1.38% Below BBB 1.23% Unrated 8.75% Unrated 8.40% As of 30.06.26, Invest
Slide 19: Domestic Investments
Business Performance Domestic Investments (Amt in ₹ Cr) 31.03.26 30.06.26 Particulars AFS HTM FVTPL SUB-JV Total AFS HTM FVTPL SUB-JV Total SLR Investments 20,469 1,71,048 17,146 - 2,08,663 23,808 1,77,901 6,860 - 2,08,569 - of which 20,469 1,71,048 17,146 - 2,08,663 23,808 1,77,901 6,860 - 2,08,569
Slide 20: Financial Performance
Financial Performance
Slide 21: Net-Interest Income (Global)
Financial Performance Net-Interest Income (Global) (Amt in ₹ Cr) Particulars Q1 FY 26 Q4 FY 26 Q1 FY 27 YoY (%) Interest Income 18,352 19,476 19,949 8.70 a. Advances 12,792 14,055 14,358 12.24 b. Investments 4,624 4,461 4,532 -1.99 c. Money Market 936 960 1,059 13.14 Operations & Others Interest Exp
Slide 22: Non-Interest Income (Global)
Financial Performance Non-Interest Income (Global) (Amt in ₹ Cr) Particulars Q1 FY 26 Q4 FY 26 Q1 FY 27 YoY (%) Commission, Exchange & 406 521 404 -0.50 Brokerage Cross Selling (Third Party 49 111 59 20.41 Commission) Profit from Sale and 820 67 414 -49.51 Revaluation of Investments Profit from Exch
Slide 23: Operating Expenses (Global)
Financial Performance Operating Expenses (Global) (Amt in ₹ Cr) Particulars Q1 FY 26 Q4 FY 26 Q1 FY 27 YoY (%) 1. Staff Expenses 2,396 2,811 2,603 8.64 2. Overheads a. Rent, Taxes & Lighting 243 277 281 15.64 173 186 195 12.72 c. Printing & Stationery 23 29 25 8.70 d. Postage & Telecommunication 90
Slide 24: Operating Profit and Net Profit (Global)
Financial Performance Operating Profit and Net Profit (Global) (Amt in ₹ Cr) Particulars Q1 FY 26 Q4 FY 26 Q1 FY 27 YoY (%) Operating Profit 4,009 5,026 5,051 25.99 Provisions for 1,104 1,211 1,144 3.62 - Bad & Doubtful (NPA) - Non Performing Investment - - -- - - Standard Assets & Others -8 -221 -1
Slide 25: Key Financial Ratios (Global)
Financial Performance Key Financial Ratios (Global) Particulars Q1 FY 26 Q4 FY 26 Q1 FY 27 Yield on Advances (%) 8.01 7.59 7.46 Yield on Investments (%) 6.98 6.91 6.87 Yield on Funds (%) 6.96 6.87 6.77 Cost of Deposits (%) 4.85 4.73 4.69 Cost of Funds (%) 4.66 4.49 4.45 Net Interest Margin (NIM) (%)
Slide 26: Asset Quality
Asset Quality
Slide 27: Asset Classification: Global Advances
Asset Quality Asset Classification: Global Advances (Amt in ₹ Cr) 30.06.25 31.03.26 30.06.26 Particulars Outstanding Share (%) Outstanding Share (%) Outstanding Share (%) Standard 6,52,804 97.08 7,56,085 98.02 7,83,321 98.19 Advances Gross NPA 19,640 2.92 15,306 1.98 14,454 1.81 - Sub-Standard 4,220
Slide 28: Movement of NPA (Global)
Asset Quality Movement of NPA (Global) (Amt in ₹ Cr) Segment Q1 FY 26 Q4 FY 26 Q1 FY 27 Opening Balance (Gross NPA) 21,749 16,714 15,306 + Fresh Slippage 2,080 1,269 1,778 + Debits in existing NPA accounts 69 98 53 Total Addition 2,149 1,367 1,831 - Cash Recovery 1,226 1,773 1,277 - Upgradation 573
Slide 29: Asset Quality Ratio (Global)
Asset Quality Asset Quality Ratio (Global) (Amt in ₹ Cr) Gross Net Gross Net Provision Slippage Credit Cost NPA NPA NPA (%) NPA (%) Coverage (%) Ratio (%) (%) 30.06.25 19,640 4,950 2.92 0.75 92.94 0.33 0.17 31.03.26 15,306 4,250 1.98 0.56 93.57 0.18 0.16 30.06.26 14,454 4,019 1.81 0.51 93.83 0.24 0.
Slide 30: Sector wise Classification of Gross NPA
Asset Quality Sector wise Classification of Gross NPA (Amt in ₹ Cr) Q1 FY 26 Q4 FY 26 Q1 FY 27 Sector Amount % of total Amount % of total Amount % of total Retail 1,645 8 1,345 9 1,507 10 Agriculture 8,936 46 7,167 47 6,417 45 MSME 6,563 33 5,288 35 5,488 38 Corporate 2,255 12 1,349 9 885 6 Total Do
Slide 31: SMA ₹5 Cr & above
Asset Quality SMA ₹ 5 Cr & above (Amt in ₹ Cr) 30.06.25 31.03.26 30.06.26 SMA Category Amount % to Std Adv Amount % to Std Adv Amount % to Std Adv SMA-0 1,878 0.29 1,601 0.21 675 0.09 SMA-1 645 0.10 2,709 0.36 2,844 0.36 SMA-2 4,498 0.69 403 0.05 578 0.07 Grand Total 7,021 1.08 4,713 0.62 4,097 0.52
Slide 32: Sector wise break-up of Fresh Slippages
Asset Quality Sector wise break-up of Fresh Slippages (Amt in ₹ Cr) Q1 FY 26 Q4 FY 26 Q1 FY 27 Sector Amount % of total Amount % of total Amount % of total Retail 419 20 84 6 320 17 Agriculture 789 37 455 33 891 49 MSME 753 35 780 57 566 31 Corporate 139 6 25 2 54 3 Total Domestic 2,100 98 1,344 98
Slide 33: Resolution Framework - Standard Restructuring (Domestic)
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 34: Summary of NCLT Cases Domestic
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 NCLT by
Slide 35: Capital, Share Holding & Group Performance
Capital, Share Holding & Group Performance
Slide 36: Capital Adequacy
Capital Capital Adequacy (Amt in ₹ Cr) Regulatory Particulars 30.06.25 30.06.26 Particulars 30.06.25 30.06.26 Capital Capital Adequacy - Basel III Total RWA 4,57,350 4,93,354 CET-1 Capital 66,428 78,778 Credit RWA 3,87,751 4,25,809 Tier I Capital 69,280 80,278 Market RWA 17,980 13,332 Tier II Capita
Slide 37: Ratings and Shareholding Pattern
Capital & Share Holding 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 ACUITE Informerics Rating
Slide 38: Overseas Business Operations
Overseas Performance Overseas Business Operations (Amt in ₹ Cr) Geography-wise Advances Composition (%) Parameters 30.06.25 31.03.26 30.06.26 31% 25% Deposits 1,23,421 1,26,828 1,32,961 Advances 1,07,147 1,17,099 1,23,942 13% 10% 7% 6% Business Mix 2,30,568 2,43,926 2,56,903 2% 2% 2% 1% 1% Total Inc
Slide 39: Overseas Subsidiaries and Associates Q1 FY 27
Overseas Group Performance Overseas Subsidiaries and Associates Q1 FY 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 78 387 1,889 217 Deposits 506 678 9
Slide 40: Domestic Subsidiaries and Associates Q1 FY 27
Domestic Group Performance Domestic Subsidiaries and Associates Q1 FY 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. Depository Participants & 41 100.00 Corporate
Slide 41: Branch Network & Geographical Presence
Branch Network Branch Network & Geographical Presence Branch Network 30.06.25 30.06.26 Domestic Branches 5,304 5,510 Metro 972 1022 Urban 856 913 Semi Urban 1,575 1,640 Rural 1,901 1,935 Overseas Branches 22 21 Digital Banking Units 2 2 Total Branches ATMs & CRAs Bank Correspondents Customer
Slide 42: Overseas Network
Overseas Overseas Network Categories No. of foreign offices Overseas branches (20) 20 Overseas subsidiaries (4) 23 Overseas Associates (1) 1 Representative Offices 1 IFSC Banking Unit (IBU)-GIFT City 1 Total No. of Foreign Offices 46 Note: Major Global Business Centers are US (New York), London, Par
Slide 43: Digital Banking, HR, ESG & Others
Digital Banking, HR, ESG & Others
Slide 44: Digital Initiatives
Digital Banking 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+ in user-acceptan
Slide 45: Digital Banking Alternative Delivery Channels (ADC)
Digital Banking 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 1.70 ADC Footprint
Slide 46: Major Products offered through Digital Platform
Digital Banking Major Products offered through Digital Platform Retail Loan MSME Loan Agriculture Loan Deposits Star Home Loan MSME Renewal upto 10.00 lakh KCC - Crop Loan / Animal Husbandry Saving Accounts Top Up Loan MSME up to ₹750 lakh Krishi Vahan Vehicle Loan Current Accounts Mudra Sishu Educa
Slide 47: Cyber Security Governance Compliance & Achievements
Digital Banking Cyber Security Governance Compliance & Achievements Cyber Governance and Compliance 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 Certified MuleHunter.AI - Tool I4C - Data AM
Slide 48: Performance of Analytics based Leads (as on 30.06.26)
Digital Banking 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 11,521 22.9% Total 3,220 MSME CCOD ₹18,034 Personal Loan & TL ₹2,617 Cr crore ₹3,005 Cr 16.7% 3,368 14.5% 3,618 3,433 Vehicle Loan 2,895 ₹2,67
Slide 49: Inclusive Growth Financial Inclusion
Financial Inclusion Inclusive Growth Financial Inclusion Numbers in lakhs PMJDY PMSBY PMJJBY APY 137 45 298 309 124 290 41 Key Highlights 288 BC/BCAs: 24,845 Banking services points: 54 RSETI: 44 43 RSETI by Ministry of Rural Development. 30.06.25 30.06.26 30.06.25 30.06.26 30.06.25 30.06.26 30.06.2
Slide 50: Manpower
Human Resources 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 Employees 15,824 SME City Centre
Slide 51: Human Resources People Initiatives Project StarLIGHT
Human Resources People Initiatives Project StarLIGHT Manpower Composition Manpower Numbers Position Officer 29,666 Award Staff 22,700 Total 52,366 Staff New Features added during Q1 FY 27 Numbers Average Age Performance Analytics Social Recognition Platform Business-Linked Training A digital space w
Slide 52: Learning & Development Initiatives
Human Resources 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 Women Executives for front line staff: regional AGM & Above language, sign language
Slide 53: 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 CareEdge ESG-1 Rating, Well defined corporate Accessible banking to the unbanked 2.98 Cr we serve while improving composite score to
Slide 54: Customer Service Excellence
Customer Service Customer Service Excellence CRM Next Initiatives for Customer CRM Next End-to-End Complaint & Grievances Redressal Mechanism Service Excellence Customer Excellence Branch Banking Various Level Intake Department (CEEB) For better customer Redressal Digital platform, Email, Social Med
Slide 55: Products and Services
Products and Services a BOI Ili Boo( ;FCNR EMS 5.0 — CittIOPE TH#IIGWT LOOM FCIFP Y.PUR x FE Ps SUPER YIELD FINaNCIALSUPPVIIHEN Ili • .. — 10 t, Smarter WCIli TO Grin.... ',our 1.15::; Deposits XCILes I desi gimet1 for NRis & PION YOURBUSINESSNEEDSTiMOST • - lir Al • it aNE LOW E I DAN II Fl:rifQ AT
Slide 56: Awards & Accolades
Awards & Accolades A TESTAMENT TO TRANSPARENCY & INNOVATION Bank Of India awarded the BAANKMT Excellence in Price Discovery Award FY 2025-26 .... ' . . e 314:101VipBANK,ING INK:NATION .. '' 4 9kODI:JCf IlESIOAVO; 4 • ':1 ! ": ."- ALEciPL9Ltam, Daymrm.. ,-= ''.. F'' -";gn Cut re my Saitlaii ro--- 4 .
Slide 57: 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 58: 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