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,
Bandra Kurla Complex, Bandra East, Mumbai 400 001
Mumbai 400 051.

Trft7111*-&71T Dear Sir / Madam,

Investor's Presentation-
Unaudited (Reviewed) Financial Results (Standalone & Consolidated)
for the 1st Quarter ended 30.06.2025

We enclose copy of Investor's Presentation on the Unaudited (Reviewed) Financial

Results (Standalone & Consolidated) for the 1st Quarter ended 30.06.2025

This is for your information, please.

Thanking you,

RAJESH
3-rdtzt YoursVENKATA
faithfully,
RAJ
UPADHYA
Digitally signed by: RAJESH
VENKATARAJ UPADHYA
DN: CN = RAJESH VENKATARAJ
UPADHYA C = IN O = AADPU0825G
OU = DGM AND COMPANY
SECRETARY
Date: 2025.07.29 16:21:23 +06'30'

(Rajesh V Upadhya)
*tit Tff44 Company Secretary

Classification: Internal

3fr3alifkff, T11-5, At-exiicn, 6110 etf N cl, 6110 t lA64 - 400 051
Head Office: Investor Relations Cell, Star House - I, 8th Floor, C-5, G-Block, Bandra Kuria Complex, Bandra (East), Mumbai - 400 051 Ph.: (022) 6668 4490
Fax: (022) 6668 4491 Email: headoffice.share@bankofindia.co.in
 Performance
Analysis
Q1 FY2025-26

© 2025 Bank of India. All rights reserved

 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

© 2025 Bank of India. All rights reserved

2
 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

© 2025 Bank of India. All rights reserved

3
 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

© 2025 Bank of India. All rights reserved

4
 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 30.06.25 30.06.24 31.03.25 30.06.25

Domestic Overseas Domestic Overseas

© 2025 Bank of India. All rights reserved

5
 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

Global
13,64,660 14,82,588 15,06,142 23,554 1.59 1,41,482 10.37
Business Mix

© 2025 Bank of India. All rights reserved

6
 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%

30.06.25 46%
Bulk Deposits (%) 12.69 13.82 13.63
40%

CASA TD-Bulk Dep. TD-Retail Dep.

© 2025 Bank of India. All rights reserved

7
 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 2,27,051 2,40,874 2,37,249 4.49

Gross Domestic
5,08,169 5,63,550 5,65,297 11.24
Advances
RAM Advances (%) 55.32 57.26 58.03

* Excluding RIDF, PSLC and SIDBI Bonds

© 2025 Bank of India. All rights reserved 8

 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%
Personal loans 10,450 12,670 12,721 21.73 30.06.25 50%
8%

Others* 14,041 17,648 20,255 44.26 3% 15%

Total Retail
1,15,185 1,33,699 1,37,782 19.62 Others Personal Loans Mortgage Loans
Loans
* Includes Staff Loans, Gold Loans, Loan against Deposits, etc. Home Loans Vehicle Loans Education Loan

© 2025 Bank of India. All rights reserved 9

 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
Small & Marginal Farmers 49,011 58,185 67,751
% To ANBC 10.00 11.73 12.29 13.64
Weaker Section 58,600 73,573 84,821
% To ANBC 12.00 14.02 15.54 17.08
Micro Enterprises (PS) 43,921 46,215 48,265
% To ANBC 7.50 10.51 9.76 9.72
* Including RIDF

© 2025 Bank of India. All rights reserved

10
 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 7,985 7,653
Vehicles & Transport equipment 2,239 2,186 2,079
Rubber, Plastic & their products 3,566 3,831 3,952
Construction 4,324 4,398 4,656
Direct Exp to Real Estate Sector 72,006 82,005 83,701
- Residential Mortgage* 70,145 79,257 80,758
- CRE 1,861 2,748 2,944
NBFC (Incl. HFC) 71,353 71,106 66,547
* Includes Priority Sector Housing Loans and all other Residential Mortgages

© 2025 Bank of India. All rights reserved

11
 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% 2% 2%
Total 81,296 88,256 85,360
AAA AA A BBB & Below

© 2025 Bank of India. All rights reserved

12
 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%
NBFC-MFI (%) 0.00% 1.05% 0.38% 0.02% 1.46%
Private 0.00% 1.05% 0.38% 0.02% 1.46%
NBFC-Others (%) 52.66% 11.29% 3.63% 1.58% 69.16%
Backed by PSU 25.12% 0.01% 2.94% 0.00% 28.07%
Backed by Bank 4.35% 0.39% 0.00% 0.00% 4.73%
Private 23.19% 10.89% 0.69% 1.58% 36.35%
Grand Total (%) 72.48% 21.60% 4.32% 1.61% 100.00%
© 2025 Bank of India. All rights reserved
13
 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 1,655
 Distribution 6,228 4,841 4,566

b) PSUs & Pvt Power Cos 20,286 20,760 22,234

2. Roads and Ports 17,464 16,948 17,364

3. Telecom 375 347 348

4. Other Infrastructure 6,988 5,977 6,311
Total 60,330 56,626 58,089
© 2025 Bank of India. All rights reserved
14
 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 5,45,898 100.00

© 2025 Bank of India. All rights reserved

15
 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 Corporate Advances portfolio

© 2025 Bank of India. All rights reserved

16
 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 23,025 1,54,937 33,418 - 2,11,380

Non SLR
Investments 10,664 26,586 6,819 3,965 48,034 11,351 26,639 6,431 3,638 48,059

M Duration 3.09 - 2.53 - - 2.61 - 3.34 - -

Total 36,840 1,83,582 22,975 3,965 2,47,362 34,376 1,81,576 39,849 3,638 2,59,439

© 2025 Bank of India. All rights reserved

17
 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 15

a. Deposits 8,819 9,871 9,826 11
b. Borrowings 1,639 1,924 1,954 19

c. Subordinated Bonds & Others 205 465 504 146

Net Interest Income 6,275 6,063 6,068 -3

© 2025 Bank of India. All rights reserved

18
 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 Exchange Transactions 63 237 106 70

e. Recovery In W/o accounts 202 1,143 322 60

f. Other Non Interest Income 492 777 463 -6

Non Interest Income 1,302 3,428 2,166 66

© 2025 Bank of India. All rights reserved

19
 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 9
e. Repairs and Maintenance 23 30 26 13
f. Travelling Expenses 88 106 110 25
g. Insurance (Dep. & General Ins.) 225 233 255 13
h. Misc Expenses and Others 752 825 909 21
Total Operating Expenses 3,900 4,605 4,225 8

© 2025 Bank of India. All rights reserved

20
 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 -9 -8 -

Provisions before Tax 1,293 1,338 1,096 -15

Profit before Tax (PBT) 2,384 3,547 2,913 22
Taxation 681 921 661 -3
Net Profit 1,703 2,626 2,252 32

© 2025 Bank of India. All rights reserved

21
 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) (%) 3.07 2.61 2.55
Cost to Income Ratio (%) 51.47 48.53 51.31
Credit Deposit Ratio 78.53 81.57 80.66
Return on Assets (%) 0.70 0.98 0.82
Return on Equity (%) 13.48 16.41 13.55
Credit Cost (Annualised) (%) 0.85 0.84 0.68
Book Value Per Share (Tangible) (₹) 124.87 145.10 147.79
Book Value Per Share (₹) 131.75 148.88 151.50
© 2025 Bank of India. All rights reserved
22
 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

- Sub-Standard 4,191 0.70 4,485 0.67 4,220 0.63

- Doubtful 12,558 2.09 9,178 1.38 8,149 1.21

- Loss 10,967 1.83 8,086 1.21 7,271 1.08

Gross Advances 6,00,264 100.00 6,66,047 100.00 6,72,444 100.00

© 2025 Bank of India. All rights reserved

23
 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 884 65 573
- Written Off 1,312 2,267 2,459
Total Reduction 3,397 4,307 4,258
Closing Balance (Gross NPA) 27,716 21,749 19,640
Less: Provisions 22,014 16,390 14,690
Net NPA 5,702 5,359 4,950
Recovery in URI/UCI 649 716 329
Gross cash recovery (Recovery + Upgradation) 2,734 2,756 2,128

© 2025 Bank of India. All rights reserved

24
 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 (%) 0.85 0.84 0.68

© 2025 Bank of India. All rights reserved

25
 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

Total Domestic 27,344 99 21,361 98 19,399 99

Overseas 372 1 388 2 241 1

Total Global 27,716 100 21,749 100 19,640 100

© 2025 Bank of India. All rights reserved

26
 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 99 2,100 98

Overseas 28 1 20 1 49 2

Total Global 1,930 100 2,008 100 2,149 100

© 2025 Bank of India. All rights reserved

27
 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 Total 9,654 1.69 5,921 0.92 7,021 1.08

30.06.24 30.06.25
Sector-wise SMA
SMA-0 SMA-1 SMA-2 Total SMA-0 SMA-1 SMA-2 Total
Agriculture 401 52 186 639 277 70 124 471
Retail 896 139 187 1,222 88 64 87 239
MSME 668 68 274 1,010 891 388 351 1,630
Corporate 6,020 368 395 6,783 622 123 3,936 4,681
Grand Total 7,985 627 1,042 9,654 1,878 645 4,498 7,021

© 2025 Bank of India. All rights reserved

28
 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%
& Others 77 - - 77 8

Total 553 3,814 324 4,691 452

© 2025 Bank of India. All rights reserved

29
 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 admission in NCLT by our Bank 9 772 651 84

Cases filed and admitted in NCLT by other Bank 220 22,914 21,761 95

Cases under admission in NCLT by other Bank 3 386 318 82

Total 308 32,734 30,513 93

Cash Recovery in NCLT Accounts: ₹276 Cr in Q1 FY26

© 2025 Bank of India. All rights reserved

30
 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 69,280
Market RWA 15,030 10,879 17,980
Tier II Capital 8,043 10,244 10,250
Operational
45,652 45,652 51,619
Total Capital (CRAR) 68,870 79,240 79,530 RWA
Risk Weighted Assets (RWA) 4,25,610 4,45,960 4,57,350 Approval for Capital Plan -FY26
CET-1 (%) including CCB 13.62 14.84 14.52
Tier I (%)
Tier II (%)
14.29
1.89
15.47 15.15 ₹5,000 Crores
2.30 2.24
(Tier I & II bonds of
Capital Adequacy ₹2,500 cr each)
Basel III (%) (incl CCB) 16.18 17.77 17.39

© 2025 Bank of India. All rights reserved

31
 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 11.87%
Indian public,
6.27%
India Ratings AA+ (Stable)
Life
Insurance 7.99 8.48
CARE Ratings AA+ (Stable)
Corp
Acuite Ratings AAA (Stable) Life
Insurance
Infomerics AAA (Stable) Indian Public 6.61 6.27 Corp., 8.48%

Domestic Short Term Rating

Promoter (Govt
CRISIL Ltd. A1+ Others 12.02 11.87 of India), 73.38%
Overseas Rating
BBB-
Fitch Rating (Long) / F3 (Short) Total 100.00 100.00
(Stable)

© 2025 Bank of India. All rights reserved

32
 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 Q1FY26
Updated Customer Relationship Module
(CRM Next) & UDIR-ATM
New Document Management Solution
Customers can easily submit and track service
Driving Paperless Banking with Next Gen
requests and complaints with advanced call
Document Management Solution
centre integration
Q1FY26
Leads Generated 40,155
Complaint Resolution Rate 99.78% BOI Omni NEO Platform
Over 400+ Services from any mobile or PC
UPI on Credit Card 1 Cr plus Customers onboarded so far
Seamless Credit Card experience
along with UPI Awards & Recognitions
Portable UPI QR Sound Box Device IBEX INDIA BFSI Tech Awards 2025 Most Innovative Use
of Technology
Supports 14 regional languages.
Around 1 Cr transactions in Q1FY26

33
© 2025 Bank of India. All rights reserved
 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 8,582
11,90,291 6,265

30.06.24 30.06.25 30.06.24 30.06.25

© 2025 Bank of India. All rights reserved

34
 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 monitoring team for all umbrella. Supports UPI, IMPS, NACH, • Redesigning existing App, Web explore new business models
critical banking applications RTGS, NEFT, BBPS, & SWIFT and branch assisted journeys • API Banking to offer tailored
• Seamless Transactions, Enhanced • Building effective ecosystem customized services to
• Faster incident resolution
Control, Improved Efficiency & Future- with Fintech partnerships Corporate customers.
• Mean Time to Detect incidents
Ready
improved from 45 mins to 15 mins
Fintech Centre of Excellence (CoE)

• A future ready robust platform for

Project Star ADITYA Intelligent Process Automation innovation, collaboration and
transformation across all banking
Enhanced Enterprise Datawarehouse & Automating manual & repetitive business segments
Analytics Centre of Excellence tasks
• Business Intelligence tool • Automating a minimum of 100
• Advance Analytics Platform tasks
• Data Quality & Governance • 22 process automated so far
Platform saving more than 22,000 man-
• Smart interactive account hours
statement solution

© 2025 Bank of India. All rights reserved

35
 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 (in lakhs)

228
220 101
90
195 49

30.06.24 31.03.25 30.06.25 30.06.24 31.03.25 30.06.25

Debit Card base of 372 Lakhs

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36
 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 Deposits
4. Education Loan 3. Self Help Group 4. Mudra Kishor 4. Recurring Deposits
5. Loan Against Property 4. Bhoomihin Kisan card 5. Mudra - Tarun (Including Flexi RD)
6. Pensioner Loan 5. e-Smart dairy 6. Vehicle Express Loan 5. Harit Jama Yojana -
6. Gold Loan Green Deposits
7. Personal Loan 7. Star Digibiz
8. Solar Roof Top
9. Star Doctor Plus
10. Earnest Money
Deposit scheme
(Retail)

© 2025 Bank of India. All rights reserved

37
 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 Management Intelligence Management Program for End-to-End Reach

Achievements

4th IBA CISO Citation 2025

Runner Up in Cyber Exercise Cyber security compliance
champion- winner

4th IBA CISO Citation 2025 4th IBA CISO Citation 2025
Cyber security Incident Cyber Security Transformation of
response Runner Up the Year Special mention

© 2025 Bank of India. All rights reserved

38
 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 York), London, Paris, Antwerp, Dubai, Singapore, Hong Kong, New Zealand and Tokyo. Spread across 5 continents
and 15 countries viz., USA, Cayman Islands, U.K., France, Belgium, Tanzania, Kenya, Uganda, Zambia, UAE., Indonesia, Singapore, Vietnam, New Zealand & Japan
© 2025 Bank of India. All rights reserved
39
 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-wise Loan Composition
Business Mix 2,08,574 2,18,740 2,30,568

Total Income 2,016 2,160 2,126

Trade finance
Operating Profit 289 476 390
38% 38%
Local lending
Net Profit 242 345 349
India -linked

Gross NPA 372 388 241

24%
Net NPA 106 81 67
© 2025 Bank of India. All rights reserved
40
 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 India (Uganda) Ltd. 358 798 579 1,377 31 23 14

PT Bank of India Indonesia, Tbk 1,844 1,749 2,245 3,994 58 24 11

Indo Zambia Bank 149 6,503 2,823 9,325 452 246 171

© 2025 Bank of India. All rights reserved

41
 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 & Corporate
2 BOI Shareholding Ltd. 6.65 100.00
BSA Activity for Bank of India
Bank of India Investment Managers
3 Mutual Fund business 98.10 100.00
Pvt. Ltd.

4 Bank of India Trustee Service Pvt. Ltd. Trustee Service to Mutual Fund Co. 0.01 100.00

Associates - Domestic
5 STCI Finance Ltd NBFC 130.10 29.96
6 ASREC (India) Ltd. Asset Reconstruction Company 27.60 26.02
7 Madhya Pradesh Grameen Bank Regional Rural Bank 915.84 35.00
Joint Venture - Domestic
8 Star Union Dai-Ichi Life Ins. Co. Ltd. Life Insurance Company 132.92 27.48
© 2025 Bank of India. All rights reserved
42
 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 of Customer Touch points 36,990

© 2025 Bank of India. All rights reserved

43
 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

© 2025 Bank of India. All rights reserved

44
 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 Employees 15,088
SME Urban Centre
Retail Business center 141 1007 Male Employees 35,786
Star Krishi Vikas Kendra 160 550
Business Per Employee 2,948
Foreign Exchange (Rs. lakhs) (2,688 as on 30.06.24)
Back Office 1 90

Transaction Monitoring Profit Per Employee 17.63

& KYC AML Department 1 83 (Rs. lakhs) (13.42 as on 30.06.24)

© 2025 Bank of India. All rights reserved

45
 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: Creating new learning
and risk appetite linked targets for all units driving growth beyond work (e.g. financial ecosystems to make trainings more
and officers and mental wellness) relevant and aspirational

Roles and KRAs: Customized roles and Voice of employees: Multiple touchpoints Job Family: Career paths defined for
KRAs, with more focus on customer service including open houses, experience surveys officers through 11 new job families

Performance reviews: Daily business Refreshed benefits: 24x7 multilingual IDP: Personalized 60-hour learning
insights and system nudges, facilitating counselling to be initiated for all officers & journeys for all officers based on skills and
effective business reviews their family members career path (Skill Compass)

Performance evaluation: Digital and New engagement modes: Leadership Leadership training: Custom grooming
objective appraisals and rewards, driving podcasts for communicating vision and plans based on competency assessment
performance culture experiences at scale (Star Samvaad) and 360° feedback (Star Shikhar)

Selective impact metrics

• 16 Lac+ page hits on the new StarLIGHT platform since • 120%+ improvement in EASE 7.0 metrics related
launch "Developing employees for emerging banking priorities"

© 2025 Bank of India. All rights reserved

46
 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 through MUDRA Loans 87% YoY increase in CSR
so far Budget in FY2026
Renewable Energy exposure Whistle blower policy -
₹5,039 Crs. Over 4000 household 2.88 crore PMJDY enhancing transparency
28 lakh plus individuals
rooftop solar sanctioned. accounts - bringing accessible counseled through FLCC
banking to the unbanked Centers so far. A culture of integrity & honesty is
Dedicated Team for Green Initiatives nurtured through strong ethical
Presently over 21 lakh farmers Cumulatively 3.98 lakh youth codes
Green Team For leading green supported through KCC alone
finance trained through our 43 RSETIs Prevention of sexual harassment
Women Empowerment so far of women at workplace policy
Green Cell For strategic
planning, tracking and reporting Over 4 lakh women Diversity
entrepreneurs assisted under Women constitute Well defined business continuity
various schemes 29.7% of our workforce plan for seamless transition
Paperless banking: 2.2 lakh in unexpected circumstances
accounts opened through e- Financed over 3.50 lakh 2.6% of our staff comprises
platform in Q1FY26, eliminating women SHG groups of differently abled persons Strong priority on cyber security
around 13 mt of CO2 emissions 35% of our MUDRA & fraud risk management
78 of our employees are
Frontline staff handling corporate beneficiaries are women. from sports fraternity who
excel in various National and Over 2 lakh man hours of
customers undergoing ESG, 9,400 plus girl children training to employees in
Sustainability & Climate Risk International events
supported under Star Angel various banking aspects
training. All new recruits are
being mandatorily trained in ESG Scheme

© 2025 Bank of India. All rights reserved

47
 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 presentation which contain words or phrases such as
etc. and similar expressions or
variations of such expressions may constitute -looking statements. These forward-looking statements involve a number of risks,
uncertainties and other factors that could cause actual results to differ materially from those suggested by the forward-looking
statements. Although forward looking statements, contained in this presentation are based upon what Bank believes are reasonable
assumptions but these risks and uncertainties include, dynamic and complex internal and external environment, including but not limited
to market, business, legal risks / changes in law etc., having bearing on ability to successfully implement its strategy, future levels
of non-performing loans, its growth and expansion in business, the impact of any acquisitions, the adequacy of its allowance for credit
losses, its provisioning policies, technological implementation and changes, the actual growth in demand for banking products and
services, investment income, cash flow projections, exposure to market risks as well as other risks. Bank of India undertakes no
obligation to update the forward-looking statements to reflect events or circumstances after the date thereof.

Note: All financial figures in the presentation are from Audited Financials / Limited Reviewed financials based on Management estimates. Any reliance on
such financials by anyone shall be at their own risk / responsibility and bank shall not be liable for any loss/gain to any o ne in any manner whatsoever.

© 2025 Bank of India. All rights reserved

48
 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

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reserved