Bank Of India · NSE:BANKINDIA
Bank Of India — Q2 FY2025-26 Earnings Presentation
49 slides from Bank Of India's earnings presentation, Oct 17, 2025
Slide 1: Investor Presentation filing letter to stock exchanges
aTal &In oi lank of IndiaEIP D Ri-414T. Ref. No.:HO:IRC:SVM:2025-26:257 Date: 17.10.2025 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
Slide 2: Performance Analysis Q2 FY2025-26
PERFORMANCE ANALYSIS Q2 FY2025-26 © 2025 Bank of India. All rights reserved
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 - 48 2 © 2025 Bank of India. All rights reserved
Slide 4: Performance Highlights - Q2FY26 YoY
Performance Highlights - Q2FY26 YoY Global 11.83% Business RAM Growth 17.02% Global 10.08% Deposits Retail TDR 14.04% Global 14.03% Advances Net Profit 7.62% Retail 19.96% Advances Credit Cost 69 bps Agriculture 13.65% Advances Gross NPA 187 bps MSME 16.46% Advances Net NPA 29 bps 3 © 2025 Bank of I
Slide 5: Global Business Mix
Global Business Mix Business Performance (Amt in ₹ Cr) 15,62,446 15,06,142 13,97,099 8,33,698 8,53,301 7,75,181 6,72,444 7,09,145 6,21,919 30.09.24 30.06.25 30.09.25 Global Deposits Global Advances Global Business Mix 4 © 2025 Bank of India. All rights reserved
Slide 6: Global Deposits & Advances
Global Deposits & Advances Business Performance (Amt in ₹ Cr) Domestic & Overseas Deposits Domestic & Overseas Advances 8,33,698 8,53,301 7,75,181 7,09,145 1,23,203 6,72,444 1,23,421 6,21,919 1,02,449 1,11,795 1,07,147 1,01,266 6,72,732 7,10,277 7,30,098 5,65,297 5,97,350 5,20,653 30.09.24 30.06.25
Slide 7: Global Deposits & Advances Growth
Global Deposits & Advances Growth Business Performance (Amt in ₹ Cr) QoQ Growth YoY Growth Particulars 30.09.24 30.06.25 30.09.25 Amount Percentage Amount Percentage Global 7,75,181 8,33,698 8,53,301 19,603 2.35 78,120 10.08 Deposits Global 6,21,919 6,72,444 7,09,145 36,701 5.46 87,226 14.03 Advance
Slide 8: Domestic Deposits
Domestic Deposits 14% Business Performance (Amt in ₹ Cr) 45% 30.09.24 41% Types of Deposits 30.09.24 30.06.25 30.09.25 CASA (Amount) 2,75,618 2,81,846 2,86,492 14% 46% CASA (%) 41.18 39.88 39.39 30.06.25 40% Total Term Deposits 3,93,681 4,24,952 4,40,799 Retail Term Deposits (%) 45.18 46.49 47.41 13
Slide 9: Composition Of Gross Domestic Advances
Composition Of Gross Domestic Advances Business Performance (Amt in ₹ Cr) Growth Particulars 30.09.24 30.06.25 30.09.25 YoY(%) Agriculture 91,607 97,358 1,04,107 13.65 MSME 84,010 92,908 97,834 16.46 Retail 1,21,517 1,37,782 1,45,768 19.96 RAM* 2,97,134 3,28,048 3,47,709 17.02 Corporate & Others 2,2
Slide 10: Retail Loans
Retail Loans Business Performance (Amt in ₹ Cr) 30.09.24 30.06.25 30.09.25 Growth Particulars 15% YoY (%) 30.06.25 9% Home loans 63,058 69,197 72,807 15.46 50% 8% Vehicle loans 18,541 21,001 22,177 19.61 3% 15% Education loans 3,691 3,846 4,052 9.78 Mortgage loans 9,705 10,762 13,255 36.58 14% 9% Pe
Slide 11: Priority Sector Advances
Priority Sector Advances Business Performance (Amt in ₹ Cr) Regulatory Particulars 30.09.24 30.06.25 30.09.25 Target ANBC 4,33,105 4,96,531 5,03,530 Priority Sector 1,99,535 2,27,393 2,35,780 % To ANBC 40.00 46.07 45.80 46.83 Agriculture* 93,641 99,025 1,01,588 % To ANBC 18.00 21.62 19.94 20.18 Smal
Slide 12: Domestic Credit Industry Wise Outstanding
Domestic Credit Industry Wise Outstanding Business Performance (Amt in ₹ Cr) Particulars 30.09.24 30.06.25 30.09.25 Infrastructure 59,434 58,089 58,288 Basic Metal & Metal products 19,160 18,893 21,635 Textiles 6,729 6,331 6,432 Gems & Jewellery 2,933 3,031 3,122 Chemicals & Chemical products 7,167
Slide 13: NBFC Portfolio Global Outstanding
NBFC Portfolio Global Outstanding Business Performance NBFC Portfolio NBFC Rating Profile (Amt in ₹ Cr) Ratings 30.09.24 30.06.25 30.09.25 75% 72% 71% 30.09.24 30.06.25 AAA 55,204 61,866 69,579 30.09.25 AA 16,450 18,436 18,527 A 4,040 3,688 3,544 21% 22% 20% BBB & Below 1,415 1,370 1,394 5% 4% 4% 2%
Slide 14: Global NBFC Portfolio Rating Profile as on 30.09.25
Global NBFC Portfolio Rating Profile as on 30.09.25 Business Performance (Percentage) Category AAA AA A BBB & below Grand Total NBFC-HFC (%) 24.86 7.98 0.23 0.01 33.06 Backed by PSU 10.88 1.64 - - 12.53 Backed by Bank 4.58 2.12 - - 6.70 Private 9.40 4.21 0.23 0.01 13.84 NBFC-MFI (%) - 1.01 0.41 0.02
Slide 15: Domestic Advances - Infrastructure Sector Outstanding
Domestic Advances - Infrastructure Sector Outstanding Business Performance (Amt in ₹ Cr) Particulars 30.09.24 30.06.25 30.09.25 Approval for Infrastructure Bonds 1. Power 34,868 34,066 34,644 FY 26 a) SEBs 15,361 11,832 11,069 Generation 6,448 5,611 5,325 ₹20,000 Crores Transmission 2,323 1,655
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 30.09.25 Base Rate, 1% Base Rate 2,477 0.43 MCLR, 28% MCLR 1,60,801 27.74 EBLR 3,67,136 63.35 EBLR, 63% Others 49,165 8.48 Grand Total 5,79,579 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 0.58% 8.64% 1.18% 7.08% 3.53% 3.20% 87.25% 88.54% 30.06.25 30.09.25 A & above BBB Below BBB Unrated As on 30.09.25, Investment grade accounts form 92% of our Standard Corp
Slide 18: Domestic Investments
Domestic Investments Business Performance (Amt in ₹ Cr) As on 30.06.25 As on 30.09.25 Particulars AFS HTM FVTPL SUB-JV Total AFS HTM FVTPL SUB-JV Total SLR Investments 23,025 1,54,937 33,418 - 2,11,380 20,001 1,59,133 22,804 - 2,01,938 - of which Govt Securities 23,025 1,54,937 33,418 - 2,11,380 20,
Slide 19: Net Interest Income (Global)
Net Interest Income (Global) Financial Performance (Amt in ₹ Cr) QE Sep 24 QE Jun 25 QE Sep 25 YoY (%) HY Sep 24 HY Sep 25 YoY (%) Interest Income 17,355 18,352 18,405 6 34,293 36,757 7 a. Advances 12,068 12,792 12,944 7 24,062 25,736 7 b. Investments 4,295 4,624 4,530 5 8,335 9,154 10 c. Money Mark
Slide 20: Non-Interest Income (Global)
Non-Interest Income (Global) Financial Performance (Amt in ₹ Cr) Particulars QE Sep 24 QE Jun 25 QE Sep 25 YoY (%) HY Sep 24 HY Sep 25 YoY (%) a. Commission, Exchange & Brokerage 440 406 511 16 772 916 19 b. Cross Selling (Third Party Commission) 85 49 77 -10 133 126 -5 c. Profit from Sale and Reval
Slide 21: Operating Expenses (Global)
Operating Expenses (Global) Financial Performance (Amt in ₹ Cr) Particulars QE Sep 24 QE Jun 25 QE Sep 25 YoY (%) HY Sep 24 HY Sep 25 YoY (%) 1. Staff Expenses 2,631 2,396 2,452 -7 4,976 4,849 -3 2. Overheads - - a. Rent, Taxes and Lighting 251 243 262 4 483 505 5 139 173 180 29 273 353 29 Property
Slide 22: Operating Profit and Net Profit (Global)
Operating Profit and Net Profit (Global) Financial Performance (Amt in ₹ Cr) Particulars QE Sep 24 QE Jun 25 QE Sep 25 YoY (%) HY Sep 24 HY Sep 25 YoY (%) Operating Profit 4,147 4,009 3,821 -8 7,825 7,830 - Provisions for - Bad & Doubtful (NPA) 1,427 1,104 472 -67 2,643 1,577 -40 - Non Performing -0
Slide 23: Key Financial Ratios (Global)
Key Financial Ratios (Global) Financial Performance Particulars QE Sep 24 QE Jun 25 QE Sep 25 HY Sep 24 HY Sep 25 Yield on Advances (%) 8.43 8.01 7.81 8.51 7.91 Yield on Investments (%) 7.10 6.98 6.80 7.11 6.89 Yield on Funds (%) 7.55 6.96 7.13 7.46 6.94 Cost of Deposits (%) 4.95 4.85 4.85 4.88 4.85
Slide 24: Asset Classification: Global Advances
Asset Classification: Global Advances Asset Quality (Amt in ₹ Cr) As on 30.09.24 As on 30.06.25 As on 30.09.25 Particulars Outstanding Share (%) Outstanding Share (%) Outstanding Share (%) Standard Advances 5,94,463 95.59 6,52,804 97.08 6,91,130 97.46 Gross NPA 27,456 4.41 19,640 2.92 18,014 2.54 -
Slide 25: Movement of NPA (Global)
Movement of NPA (Global) Asset Quality (Amt in ₹ Cr) Segment QE Sep 24 QE Jun 25 QE Sep 25 Opening Balance (Gross NPA) 27,716 21,749 19,640 + Fresh Slippage 2,357 2,080 887 + Debits in existing NPA accounts 189 69 8 Total Addition 2,546 2,149 895 - Cash Recovery 1,523 1,226 1,022 - Upgradation 246 5
Slide 26: Asset Quality Ratio (Global)
Asset Quality Ratio (Global) Asset Quality (Amt in ₹ Cr) Particulars 30.09.24 30.06.25 30.09.25 Gross NPA 27,456 19,640 18,014 Net NPA 5,648 4,950 4,530 Gross NPA (%) 4.41 2.92 2.54 Net NPA (%) 0.94 0.75 0.65 Provision Coverage (%) 92.22 92.94 93.39 Slippage Ratio (%) 0.44 0.33 0.14 Credit Cost (%)
Slide 27: Sector wise Classification of Gross NPA
Sector wise Classification of Gross NPA Asset Quality Amt in (₹ Cr) QE Sep 24 QE Jun 25 QE Sep 25 Sector Amount % of total Amount % of total Amount % of total Retail 2,418 9 1,645 8 1,535 9 Agriculture 9,488 35 8,936 46 8,930 50 MSME 10,644 39 6,563 33 6,306 35 Corporate 4,521 16 2,255 12 999 6 Tota
Slide 28: Sector wise breakup of Slippages
Sector wise breakup of Slippages Asset Quality (Amt in ₹ Cr) QE Sep 24 QE Jun 25 QE Sep 25 Sector Amount % of total Amount % of total Amount % of total Retail 211 8 419 20 149 17 Agriculture 702 28 789 37 503 56 MSME 475 19 753 35 345 39 Corporate 1,094 43 139 6 -84 -9 Total Domestic 2,482 98 2,100
Slide 29: SMA Rs. 5 Cr & above
SMA Rs. 5 Cr & above Asset Quality (Amt in ₹ Cr) Position of ₹ 5.00 crores & above 30.09.24 30.06.25 30.09.25 SMA Category Amount % to Std Adv Amount % to Std Adv Amount % to Std Adv SMA-0 2,018 0.34 1,878 0.29 2,460 0.36 SMA-1 3,268 0.55 645 0.10 1,685 0.24 SMA-2 2,370 0.40 4,498 0.69 2,020 0.29 Gr
Slide 30: Resolution Framework - Standard Restructuring (Domestic)
Resolution Framework - Standard Restructuring (Domestic) Asset Quality (Amt in ₹ Cr) Outstanding as on 30.09.25 % of Gross Category Total Provision Resolution Resolution One Time Advances Framework 1.0 Framework 2.0 Restructuring Retail 272 2,873 - 3,145 276 MSME 186 751 298 1,235 73 0.63 Corporate
Slide 31: Summary of NCLT Cases Domestic (As on 30.09.25)
Summary of NCLT Cases Domestic (As on 30.09.25) 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 6 1,630 1,630 100 Cases filed and admitted in NCLT by our Bank 68 5,650 4,772 84 Cases under admi
Slide 32: Capital Adequacy
Capital Adequacy Capital & Share Holding (Amt in ₹ Cr) (Amt in ₹ Cr) Particulars 30.09.24 30.06.25 30.09.25 Particulars 30.09.24 30.06.25 30.09.25 Capital Adequacy - Basel III Total RWA 4,32,908 4,57,350 4,76,865 CET-1 Capital 58,527 66,428 66,255 Credit RWA 3,87,751 4,08,767 Tier I Capital 61,379 6
Slide 33: Ratings & Shareholding Pattern
Ratings & Shareholding Pattern Capital & Share Holding Rating Agency Rating Shareholding (%) Shareholding (%) Particulars As on 30.06.25 As on 30.09.25 Shareholding (%) As on 30.09.25 Domestic Short Term Rating CRISIL Ltd. AA+ (Stable) Government Others, 73.38 73.38 ICRA Ltd. AA+ (Stable) of India 1
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 4.9 lakh Active Users. 7.46 lakh loan accounts opened in Q2FY26; 1.02 lakh
Slide 35: 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 umbrella. Su
Slide 36: Alternate Delivery Channels
Digital Banking Alternate Delivery Channels Digital Banking Quarterly Transaction Count (in Cr) Internet Banking Users (in lakhs) 173 165 180 173 96 149 141 94 Digital Total Total Digital Total Digital 91 30.09.24 30.06.25 30.09.25 30.09.24 30.06.25 30.09.25 UPI Users (in lakhs) Mobile Banking Users
Slide 37: 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
Slide 38: Cyber Security Governance-Compliance & Achievements
Cyber Security Governance-Compliance & Achievements Other Parameters Cyber Security Compliant to RBI CSF 2016 & ISO 27001:2022 Center of Excellence (CS-CoE) 2024 ISO 22301:2019 Tools for the detection of Mule Accounts PCI DSS Certified MuleHunter.AI - Tool I4C - Data AMLOCK Tool NPCI Data
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 31% 26% Select Business Parameters of Overseas Branches (Amt in ₹ Cr) 13% 9% 8% Parameters 30.09.24 30.06.25 30.09.25 6% 2% 2% 2% 1% 1% Deposits 1,02,449 1,23,421 1,23,203 Advances 1,01,266 1,07,147 1,11,795 Segmen
Slide 41: 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. 257 557 771 1,328 31 9 5 Bank of India (Tanzania) Ltd. 78 615 476 1,091 35 6 5 Bank of Ind
Slide 42: Domestic Subsidiaries, Associates and Joint Ventures
Domestic Subsidiaries, Associates and Joint Ventures Other Parameters (As on 30.09.25) 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 Domestic Branches 5,375 Metro 993 Urban 874 Semi Urban 1,598 Rural 1,910 Overseas Branches 22 Digital Banking Units (DBU) 2 Total No. of Branches (Incl. DBU) 5,399 No of ATMs & CRA 7,696 No of BCs 23,956 Total No
Slide 44: Inclusive Growth Financial Inclusion
Inclusive Growth Financial Inclusion Other Parameters (Numbers in Lakhs) PMJDY PMSBY PMJJBY APY 291 288 300 128 124 43 290 41 30.06.25 30.09.25 30.06.25 30.09.25 30.06.25 30.09.25 30.06.25 30.09.25 43 © 2025 Bank of India. All rights reserved
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 30.09.25 Posted Zonal Centralized 69 429 Total No. of Employees Operations Dept. 51,052 SME City Centre & 140 1047 Female
Slide 46: People Initiatives Project StarLIGHT
People Initiatives Project StarLIGHT (Leading Innovation and Growth with Human Talent) Other Parameters Linking Business Driving Engagement Building strong Learning Strategy with HR and Wellness Culture L&D COE : New learning ecosystems to make Target setting: Catchment area potential and Employee w
Slide 47: Environmental, Social & Governance (ESG)
Environmental, Social & Governance (ESG) E Environmental S Social GGovernance CareEdge-ESG has assigned Inclusive Growth Investing back in CareEdge-ESG 1 Rating (Score of Well defined corporate 74.5) to BOI. Over 6.89 lakh street vendors communities we serve governance policies assisted under PM-SVA
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 © 2025 Bank Bank of India. of India. All rights All rights