Bank of India · NSE:BANKINDIA
Bank of India — Q2 FY2027 Earnings Presentation
58 slides from Bank of India's earnings presentation, Oct 23, 2026
Slide 1: Investor's Presentation Q2 FY27 Results Filing Letter
ISECE1=6 121 ONE TO ONE tr6 ailv, tam Bcm NAP" Bank of India *IT Ref. No.:HO:IRC:SVM:2026-27: 255 Date: 23.10.2026 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 Plaz
Slide 2: Performance Analysis Q2 FY 2026-27
li=111 ONE TO ONE FOUNDATION DAY THIN w r/ "" Performance Analysis Bank of India ° Q2 FY 2026-27 Xelationship beyond banking Products & Services Classification: Internal
Slide 3: Key Business Highlights, Performance, Financial Performance
01 02 Key Business Highlights Performance 01 2-15 > 03 Financial Performance 05 06 Capital, Share Digital Holding & Group Banking HR, Performance ESG etc. 29 - 35 > 36 - 48 > Classification: Internal
Slide 4: Key Highlights Q2 FY 2026-27 (YoY)
Key Highlights Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Global Business RAM Growth Net Profit 21.13% 18.68% 25.34% Global Deposits Retail Advances Gross NPA Key Highlights Q2 FY 2026-27 (YoY) 21.59% 19.27% f 94 bps Global Advances Agriculture Advances Net NPA 20.58% 16.34% 23 bp
Slide 5: Business Performance
Business Performance Classification: Internal
Slide 6: Global Business Mix
Business Performance Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Global Business Mix (Amt in ₹ Cr) 18,92,601 17,55,699 .1 .0 iiiPI I lir 1 +14.1ronfo 15,62,446 ■ 10,37,530 9,57,924 8,55,071 8,53,301 7,97,775 7,09,145 111111.,1.1 rr I, -.1 I 0.444"6 • • 30.09.25 30.06.26 30.09.26 Gl
Slide 7: Domestic & Overseas Deposits and Advances
Business Performance Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 (Amt in ₹ Cr) Domestic & Overseas Deposits Domestic & Overseas Advances Q2 FY 26 Q2 FY 26 8,53,301 7,09,145 7,30,098 1,23,203 5,97,350 1,11,795 Q1 FY 27 Q1 FY 27 9,57,924 7,97,775 8,24,963 1,32,961 6,73,833 1,23,942 Q
Slide 8: Global Deposits & Advances - Growth
Business Performance Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Global Deposits & Advances - Growth (Amt in ₹ Cr) QoQ Growth YoY Growth Particulars 30.09.25 30.06.26 30.09.26 Amount % Amount % Global Deposits 8,53,301 9,57,924 10,37,530 79,606 8.31 1,84,229 21.59 Global Advances 7
Slide 9: Domestic Deposits
Business Performance Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Domestic Deposits (Amt in ₹ Cr) Particulars 30.09.25 30.06.26 30.09.26 CASA Amount 2,86,492 3,02,085 3,07,031 CASA (%) 39.39% 36.68% 34.16% ' Total Term Deposits 4,40,799 5,21,377 5,91,709 Retail Term Deposits (%) 47.
Slide 10: Composition of Gross Domestic Advances
Business Performance Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Composition of Gross Domestic Advances (Amt in ₹ Cr) Retail Agriculture MSME RAM Corporate Gross Domestic RAM & Others Advances Advances (%) 30.09.25 1,45,768 1,04,124 97,834 3,47,726 2,49,624 5,97,350 58.21% 30.06.26
Slide 11: Retail Loans
Business Performance Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Retail Loans (Amt in ₹ Cr) 15% Growth Particulars 30.09.25 30.06.26 30.09.26 YoY (%) 8% Home loans 72,807 81,213 85,080 17 49% Vehicle loans 22,177 25,296 26,349 19 10% Education loans 4,052 4,609 4,754 17 3% Mortgage
Slide 12: Priority Sector Advances
Business Performance Bank of India g) 121 111ONE TO ONE • •I1 61 FIVVI. • 1.11.1.1 Priority Sector Advances (Amt in ₹ Cr) Particulars Regulatory Target 30.09.25 30.06.26 30.09.26 ANBC 5,03,530 5,38,858 5,70,683 Priority Sector 2,35,530 2,53,864 2,63,862 % To ANBC 40.00 46.78 47.11 46.24 Agriculture*
Slide 13: Domestic Credit Industry-wise Outstanding
Business Performance Domestic Credit Industry-wise Outstanding _ (Amt in ₹ Cr) Particulars 30.09.25 30.06.26 30.09.26 Infrastructure 58,288 54,967 58,274 Basic Metal & Metal products 21,635 22,341 24,007 Textiles 6,432 6,934 7,238 Gems & Jewellery 3,122 2,792 2,722 Chemicals & Chemical products 7,83
Slide 14: NBFC Portfolio Global Outstanding
Business Performance NBFC Portfolio Global Outstanding (Amt in ₹ Cr) Portfolio Mix (%) Particulars 30.09.25 30.06.26 30.09.26 75% 78% 79% • 30.09.25 • 30.06.26 • 30.09.26 AAA 69,579 78,037 83,821 AA 18,527 18,316 17,830 20% 18% 17% • A 3,544 3,315 3,417 BBB & Below 1,394 1,054 1,199 I I I •• 4% 3% 3
Slide 15: Global NBFC Portfolio Rating Profile as of 30.09.2026
Business Performance Global NBFC Portfolio Rating Profile as of 30.09.2026 (Percentage) Category AAA AA A BBB & Below Total NBFC-HFC 23 5 -- -- 28 PSU 7 1 -- -- 8 Bank 6 1 -- -- 7 Private 10 3 -- -- 13 NBFC-MFI -- 1 -- -- 1 C Private -- 1 -- -- 1 NBFC-Others 56 11 3 1 71 PSU 25 -- 2 -- 27 Bank 4 --
Slide 16: Domestic Advances Infrastructure Sector Outstanding
Business Performance Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Domestic Advances Infrastructure Sector Outstanding (Amt in ₹ Cr) Particulars 30.09.25 30.06.26 30.09.26 Power 34,644 35,758 37,305 a) SEBs - Generation 11,069 5,325 9,366 4,274 10,128 4,548 fa, - Transmission 1,578 1
Slide 17: Benchmark-wise Distribution of Advances Standard Domestic
Business Performance Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Benchmark-wise Distribution of Advances Standard Domestic (Amt in ₹ Cr) Others 9.05% Base Rate 0.24% Benchmark Standard Advances Share Rates as on 30.09.26 (%) MCLR 24.82% EBLR 4,54,920 65.89 MCLR 1,71,343 24.82 Base
Slide 18: External Rating-wise Distribution of Standard Corporate Advances
Business Performance Bank of India 121 111 ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 External Rating-wise Distribution of Standard Corporate Advances Domestic Corporate Advances Above ₹ 50 Cr •• 30.06.26 A & above 86.80% 0•• 30.09.26 A & above 86.42% • BBB Below BBB Unrated 3.57% 1.23% 8.40% •• BBB B
Slide 19: Domestic Investments
Business Performance ONE TO ONE 9.1.11.1 1.11.1.1 Domestic Investments (Amt in ₹ Cr) 30.06.26 30.09.26 Particulars AFS HTM FVTPL SUB-JV Total AFS HTM FVTPL SUB-JV Total SLR Investments 23,808 1,77,901 6,860 - 2,08,569 30,280 1,86,958 8,138 - 2,25,376 - of which Govt Securities Non SLR 23,808 1,77,90
Slide 20: Financial Performance
Financial Performance Classification: Internal
Slide 21: Net-Interest Income (Global)
Financial Performance Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Net-Interest Income (Global) (Amt in ₹ Cr) Particulars Q2 FY 26 Q1 FY 27 Q2 FY 27 YoY (%) HY 1 FY 26 HY 1 FY 27 YoY (%) Interest Income 18,405 19,949 21,229 15 36,757 41,178 12 a. Advances 12,944 14,358 15,471 20 25,
Slide 22: Non-Interest Income (Global)
Financial Performance Non-Interest Income (Global) (Amt in ₹ Cr) Particulars Q2 FY 26 Q1 FY 27 Q2 FY 27 YoY (%) HY 1 FY 26 HY 1 FY 27 YoY (%) Commission, Exchange & 511 404 487 -5 916 891 -3 Brokerage Cross Selling (Third Party 77 59 95 23 126 154 22 Commission) Profit from Sale and Revaluation of I
Slide 23: Operating Expenses (Global)
Financial Performance Operating Expenses (Global) (Amt in ₹ Cr) Particulars Q2 FY 26 Q1 FY 27 Q2 FY 27 YoY (%) HY 1 FY 26 HY 1 FY 27 YoY (%) 1. Staff Expenses 2,452 2,603 2,667 9 4,849 5270 9 2. Overheads a. Rent, Taxes & Lighting 262 281 299 14 505 580 15 b. Depreciation on Bank's Property 180 195
Slide 24: Operating Profit and Net Profit (Global)
Financial Performance Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Operating Profit and Net Profit (Global) (Amt in ₹ Cr) Particulars Q2 FY 26 Q1 FY 27 Q2 FY 27 YoY (%) HY 1 FY 26 HY 1 FY 27 YoY (%) Operating Profit 3,821 5,051 5,089 33 7,830 10,140 30 Provisions For - Bad & Doubtfu
Slide 25: Key Financial Ratios (Global)
Financial Performance Key Financial Ratios (Global) Particulars Yield on Advances (%) Yield on Investments (%) Q2 FY 26 7.81 6.80 == Q1 FY 27 7.46 6.87 Q2 FY 27 7.59 6.99 HY 1 FY 26 7.91 6.89 HY 1 FY 27 7.49 6.93 Yield on Funds (%) 7.13 6.77 7.49 6.94 7.43 Cost of Deposits (%) 4.85 4.69 4.85 4.85 4.
Slide 26: Asset Quality
Asset Quality Classification: Internal
Slide 27: Asset Classification: Global Advances
Asset Quality Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Asset Classification: Global Advances (Amt in ₹ Cr) 30.09.25 30.06.26 30.09.26 Particulars Outstanding Share (%) Outstanding Share (%) Outstanding Share (%) Standard 6,91,130 97.46 7,83,321 98.19 8,41,423 98.40 Advances Gros
Slide 28: Movement of NPA (Global)
Asset Quality Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Movement of NPA (Global) (Amt in ₹ Cr) Segment Q2 FY 26 Q1 FY 27 Q2 FY 27 Opening Balance (Gross NPA) 19,640 15,306 14,454 + Fresh Slippage 887 1,778 1,160 + Debits in existing NPA accounts 8 53 41 Total Addition 895 1,831 1
Slide 29: Asset Quality Ratio (Global)
Asset Quality Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Asset Quality Ratio (Global) (Amt in ₹ Cr) Gross Net Gross Net Provision Slippage Credit Cost NPA NPA NPA (%) NPA (%) Coverage (%) Ratio (%) (%) 30.09.25 18,014 4,530 2.54 0.65 93.39 0.14 0.07 30.06.26 INNo MP ININMIMP 14,45
Slide 30: Sector wise Classification of Gross NPA
Asset Quality Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Sector wise Classification of Gross NPA (Amt in ₹ Cr) Q2 FY 26 Q1 FY 27 Q2 FY 27 Sector Amount % of total Amount % of total Amount % of total Retail 1,535 9 1,507 10 1,463 11 Agriculture 8,930 50 6,417 45 6,099 45 MSME 6,306
Slide 31: SMA ₹5 Cr & above
Asset Quality SMA ₹ 5 Cr & above (Amt in ₹ Cr) 30.09.25 30.06.26 30.09.26 SMA Category Amount % to Std Adv Amount % to Std Adv Amount % to Std Adv SMA-0 2,460 0.36 675 0.09 502 0.06 SMA-1 1,685 0.24 2,844 0.36 1,483 0.18 SMA-2 2,020 0.29 578 0.07 568 0.07 Grand Total 6,165 0.89 4,097 0.52 2,553 0.30
Slide 32: Sector wise break-up of Fresh Slippages
Asset Quality Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Sector wise break-up of Fresh Slippages (Amt in ₹ Cr) Q2 FY 26 Q1 FY 27 Q2 FY 27 Sector Amount % of total Amount % of total Amount % of total Retail 149 17 320 17 152 13 Agriculture 503 56 891 49 447 37 MSME 345 39 566 31 44
Slide 33: Resolution Framework - Standard Restructuring (Domestic)
Asset Quality Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Resolution Framework - Standard Restructuring (Domestic) as on 30.09.26 (Amt in ₹ Cr) Resolution Resolution One time Total % of Provision Framework 1.0 Framework 2.0 Restructuring Gross Advances Retail 216 2,418 - 2,634 205
Slide 34: Summary of NCLT Cases Domestic as on 30.09.26
Asset Quality Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Summary of NCLT Cases Domestic as on 30.09.26 (Amt in ₹ Cr) Particulars No. of Accounts Total Book Provision held Provision % Outstanding (FB) RBI List -1 2 1,404 1,404 100% RBI List -2 5 1,501 1,501 100% Cases filed and adm
Slide 35: Capital & Share Holding
Capital & Share Holding Classification: Internal
Slide 36: Capital Adequacy
Capital Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Capital Adequacy (Amt in ₹ Cr) Regulatory Particulars 30.09.25 30.09.26 Particulars 30.09.25 30.09.26 Capital Capital Adequacy - Basel III a Total RWA 4,76,865 5,23,230 T\ ___/ (---1 1 CET-1 Capital 66,255 81,055 Credit RWA 4,08,7
Slide 37: Ratings and Shareholding Pattern
Share Holding Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Ratings and Shareholding Pattern Domestic Long Term Rating 1r 1r India CRISIL Ltd. ICRA Ltd. Ratings Indian AA+ AA+ AA+ Shareholding Shareholding public, Others, (Stable) (Stable) (Stable) Particulars (%) As on (%) As on 4.7
Slide 38: Overseas Business Operations
Overseas Performance Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Overseas Business Operations (Amt in ₹ Cr) Geography-wise Advances Composition (%) Parameters 30.09.25 30.06.26 30.09.26 28% 20% Deposits 1,23,203 1,32,961 1,37,401 0 rr- Advances 1,11,795 1,23,942 1,51,160 15% 12% 11
Slide 39: Overseas Subsidiaries and Associates Q2 FY 27
Overseas Group Performance Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Overseas Subsidiaries and Associates Q2 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. Indon
Slide 40: Domestic Subsidiaries and Associates 30.09.26
Domestic Group Performance Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Domestic Subsidiaries and Associates 30.09.26 (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 BO
Slide 41: Branch Network & Geographical Presence
Branch Network Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Branch Network & Geographical Presence Branch Network 30.09.25 30.09.26 Domestic Branches 5,375 5,611 Metro 993 1,052 Urban 874 956 Semi Urban 1,598 1,660 Rural 1,910 1,943 Overseas Branches 22 21 Digital Banking Un
Slide 42: Overseas Network
Overseas Bank of India g) 121 111ONE TO ONE • ..11•1 1.11..1.1. • 1.11.1.1 Overseas Network Categories No. of foreign offices Overseas branches (20) 20 Overseas subsidiaries (4) 23 Overseas Associates (1) 1 IFSC Banking Unit (IBU)-GIFT City 1 Total No. of Foreign Offices 45 A- :ii. &I , Ng 4.11. =MN
Slide 43: Digital, ESG & Others
Digital, ESG & Others Classification: Internal
Slide 44: Digital Initiatives
Digital Banking Digital Initiatives Digital Lending Platform Digital Transformation 55 products (37 Assisted + 18 Self-serve) • 37 ML models in production across eight business domains now live; e-Signing & e-Documentation • 215+ APIs are live in production with a further (DDE) 150+ in user-acceptan
Slide 45: Digital Banking Alternative Delivery Channels (ADC)
Digital Banking Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Digital Banking Alternative Delivery Channels (ADC) 3.84 crore + ADC Banking Volumes Q2 FY 27 Debit Growth Volume of Transactions (Nos. in Billion) Growth Value of Transactions (₹ Billion) Cards 1.49 crore + 12,039 Mobile
Slide 46: Major Products offered through Digital Platform
Digital Banking Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Major Products offered through Digital Platform Retail Loan MSME Loan Agriculture Loan Deposits Star Home Loan MSME Renewal upto ₹10 lakh KCC - Crop Loan / Animal Husbandry Saving Accounts Top Up Loan MSME up to ₹750 lakh
Slide 47: Cyber Security Governance Compliance & Achievements
Digital Banking Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Cyber Security Governance Compliance & Achievements Cyber Governance and Compliance Detection Tools of ISO 27001:2022 Cyber Security Centralized IT GRC Mule Accounts ISO 22301:2019 Center of Excellence (CS-CoE) Management
Slide 48: Performance of Analytics based Leads
Digital Banking Bank of India 121 111 ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Performance of Analytics based Leads (as on 30.09.26) (Amt in ₹ Cr) Sanctioned Limit Home Loan MSME ₹6,665 Cr Limit Enhancement 30.9% ₹4,955 Cr 11,521 23% Total ₹21,567 3,220 MSME CCOD Personal Loan & TL ₹3,213 Cr crore*
Slide 49: Inclusive Growth Financial Inclusion
Financial Inclusion Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Inclusive Growth Financial Inclusion As of 30.09.2026 Numbers in lakhs PMJDY PMSBY PMJJBY APY 301 Key Highlights BC/BCAs: 25,264 68 Banking services points: 54 45 RSETI: 44 23 43 RSETI by Ministry of Rural Development.
Slide 50: Manpower
Human Resources Bank of India 121 111ONE TO ONE • LIILI FIVVI. • 1.11.1.1 Manpower NY • IN I. Human Resource and Business Ratios • • No. of Centralized Units and Staff 30.09.26 Central Processing Unit No. of Units No. of Officers Pos Parameter As on 30.09.26 Zonal Centralized 69 433 Operations Dept.
Slide 51: People Initiatives
Human Resources Bank of India 121 111 ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 People Initiatives Project StarLIGHT Manpower Composition BOI Manpower LIGHT Numbers Position HR :6, Officer SAMVAAD (i Transformation 29,560 Project Leading innovation .8: growth with Award Staff 22,731 , 111 STAR Human
Slide 52: Learning & Development Initiatives
Human Resources Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Learning & Development Initiatives 160 Operational Risk and Acquisition of new Resilience for top Learning Management executives of the Bank System (LMS) • Inclusive Service training Locational Training On for front line s
Slide 53: Environmental, Social & Governance (ESG) Updates Q2 FY 27
ESG Bank of India 121 111ONE TO ONE • •I1 61 1.11:1.1. • 1.11.1.1 Environmental, Social & Governance (ESG) Updates Q2 FY 27 Environmental Social Governance In FY 2026-27, Bank has become a signatory to Inclusive Growth Investing back in communities Partnership for Carbon Accounting Financials (PCAF)
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 (CEBB) For better customer Redressal Digital platform, Email, Social Med
Slide 55: Products and Services
121 Products and Services ONE TO ONE • •II•1 FIL—OF • XI I I 1,21 -1%.=1•1• Every Growth !!'t Ira , jip Fir Story Begins at Home. Your Bonk. FTnctoni arc Empowering India's Your Choices, ogri-sector with our bouquet of loon products Make Every Journey a Happy Occasion_ 41-ationshlp 6eyani lot ,--i_
Slide 56: Awards & Accolades
Awards & Accolades Bank of India ONE TO ONE Boi cLoBAL .F ATTE C H I NS- —2026 dankooli rtni .111.1 I ank of India Felicitated at GFF 2016 for Agent-to-Agent Integration Recognised for implementing A2A Unified AgentNxt Partner Integration, enabling multiple approved TSPs to be managed through a sing
Slide 57: Disclaimer
mi a Disclaimer r"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 herein, st
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.bank.in Follow us on f 113010 17) Classification: Internal