Itas artm tfiktri -

Bank of India
Tklf w. Ref No.:HO:IRC:SVM:2025-26:49 ft4W Date: 09.05.2025
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.

- -47ri" Dear
4)-47171:1-41
11- Sir / Madam,

Investors Presentation-
Audited Financial Results (Standalone & Consolidated) for the
4th Quarter/ Financial Year ended 31.03.2025

We enclose a copy of the Investor's Presentation on the Audited Financial Results

(Standalone & Consolidated) for the 4th Quarter/ Financial Year ended 31.03.2025.

This is for your information, please.

Thanking you,

RAJESH
VENKATA
Ira& Yours faithfully,
RAJ
UPADHYA
Digitally signed by: RAJESH
VENKATARAJ UPADHYA
DN: CN = RAJESH VENKATARAJ
UPADHYA C = IN O = AADPU0825G
OU = DGM AND COMPANY
SECRETARY
Date: 2025.05.09 16:47:25 +06'30'

(Rajesh V Upadhya)
V$Izit TIP44 Company Secretary

Classification: Internal

MIR 07i4 vitt: RIO, 14411 ieR 311311:, Gilpf re, w - 400 051
Head Office: Investor Relations Cell, Star House - I, 8th Floor, C-5, G-Block, Bandra Kuria Complex, Sandra (East), Mumbai - 400 051 Ph.: (022) 6668 4490
Fax: (022) 6668 4491 Email: headoffice.share@bankofindia.co.in
 Performance
Analysis
FY2024-25

© 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 - 51

© 2025 Bank of India. All rights reserved 2

 Performance Highlights - FY25 YoY

Global Global Global Retail Agriculture MSME

Business Deposits Advances Advances Advances Advances
12.02% 10.65% 13.74% 19.93% 16.30% 18.39%

Non-Interest Operating Net Profit RoA Gross NPA Net NPA

Income Profit
47.56% 16.66% 45.92% 20 bps 171 bps 40 bps

© 2025 Bank of India. All rights reserved 3

Global Business Mix

Business Performance
(Amt in ₹ Cr)

14,82,588
14,46,295
13,23,515

7,94,788 8,16,541
7,37,920
6,51,507 6,66,047
5,85,595

31.03.24 31.12.24 31.03.25

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

6,51,507 6,66,047
7,94,788 8,16,541
7,37,920 5,85,595 1,02,497
1,16,243 1,05,238
1,16,163
1,08,203 93,203

6,78,625 7,00,298 5,46,269 5,63,550

6,29,717 4,92,392

31.03.24 31.12.24 31.03.25 31.03.24 31.12.24 31.03.25

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 31.03.24 31.12.24 31.03.25

Amount Percentage Amount Percentage

Global
7,37,920 7,94,788 8,16,541 21,753 2.74 78,621 10.65
Deposits

Global
5,85,595 6,51,507 6,66,047 14,540 2.23 80,452 13.74
Advances

Global
13,23,515 14,46,295 14,82,588 36,293 2.51 1,59,073 12.02
Business Mix

© 2025 Bank of India. All rights reserved 6

Domestic Deposits
Business Performance 13%
(Amt in ₹ Cr)
44%
31.03.24
Types of Deposits 31.03.24 31.12.24 31.03.25 43%

CASA (Amount) 2,69,872 2,77,190 2,80,284

13%

CASA (%) 43.21 41.05 40.28 46%

31.12.24
41%
Total Term Deposits 3,59,845 3,98,112 4,15,447

Retail Term Deposits (%) 44.25 45.58 45.87

14%

Bulk Deposits (%) 13.00 13.25 13.82 31.03.25 46%

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 31.03.24 31.12.24 31.03.25
YoY%
Agriculture 84,555 94,991 98,335 16.30

MSME 76,559 89,134 90,639 18.39

Retail 1,11,484 1,27,825 1,33,699 19.93

RAM* 2,72,598 3,11,950 3,22,673 18.37

Corporate & Others 2,19,794 2,34,319 2,40,877 9.59

Gross Domestic
4,92,392 5,46,269 5,63,550 14.45
Advances
RAM Advances (%) 55.36 57.11 57.26

* Excluding RIDF, PSLC and SIDBI Bonds

© 2025 Bank of India. All rights reserved 8

Retail Loans

Business Performance
(Amt in ₹ Cr)
12%
Growth
Particulars 31.03.24 31.12.24 31.03.25 9%
YoY (%)
31.03.24 8% 53%
Home loans 59,107 65,368 67,826 14.75
3%
15%
Vehicle loans 16,641 20,018 20,828 25.16

Education loans 3,424 3,788 3,969 15.92

Mortgage loans 9,139 10,011 10,758 17.72 14%

9%
Personal loans 9,737 12,394 12,670 30.12 31.03.25 8% 51%

3% 15%
Others 13,436 16,246 17,648 31.35

Total Retail Loans 1,11,484 1,27,825 1,33,699 19.93 Others Personal Loans Mortgage Loans

Home Loans Vehicle Loans Education Loan

© 2025 Bank of India. All rights reserved 9

Priority Sector Advances

Business Performance
(Amt in ₹ Cr)

Regulatory
Particulars 31.03.24 31.12.24 31.03.25
Target
ANBC 4,16,035 4,58,281 4,73,348
Priority Sector 1,83,459 2,07,213 2,15,081
% To ANBC 40.00 44.10 45.22 45.44
Agriculture* 84,445 96,920 1,00,123
% To ANBC 18.00 20.30 21.15 21.15
Small & Marginal Farmers 53,362 53,867 58,193
% To ANBC 10.00 12.83 11.75 12.29
Weaker Section 62,987 64,608 73,810
% To ANBC 12.00 15.14 14.10 15.59
Micro Enterprises (PS) 43,128 46,630 47,558
% To ANBC 7.50 10.37 10.17 10.05

* Including RIDF
© 2025 Bank of India. All rights reserved 10
Domestic Credit Industry Wise Outstanding

Business Performance
(Amt in ₹ Cr)

Particulars 31.03.24 31.12.24 31.03.25

Infrastructure 58,860 59,427 56,626
Basic Metal & Metal products 16,561 19,046 18,994
Textiles 6,542 6,431 6,426
Gems & Jewellery 3,217 2,734 2,751
Chemicals & Chemical products 8,088 8,346 7,985
Vehicles & Transport equipment 2,328 2,182 2,186
Rubber, Plastic & their products 3,455 3,619 3,831
Construction 4,203 4,414 4,398
Direct Exp to Real Estate Sector 69,678 78,030 82,005
- Residential Mortgage* 67,649 75,579 79,257
- CRE 2,029 2,451 2,748
NBFC (Incl. HFC) 64,477 65,424 71,006
* 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
(Amt in ₹ Cr)

73% 72% 73%

Ratings 31.03.24 31.12.24 31.03.25 31.03.24
31.12.24
31.03.25
AAA 56,843 59,785 64,297

AA 14,256 17,338 19,049

A 5,640 3,774 3,540

21% 21%
18%

BBB & Below 1,642 1,683 1,370

7%
5% 4%
2% 2% 2%
Total 78,382 82,580 88,256
AAA AA A BBB & Below

© 2025 Bank of India. All rights reserved 12

Global NBFC Portfolio Rating Profile as on 31.03.25

Business Performance
(Percentage)

Category AAA AA A BBB & below Grand Total

NBFC-HFC (%) 23.12% 9.34% 0.26% 0.01% 32.73%

Backed by PSU 11.38% 2.11% 0.00% 0.00% 13.49%

Backed by Bank 3.32% 2.41% 0.00% 0.00% 5.73%

Private 8.42% 4.82% 0.26% 0.01% 13.51%

NBFC-MFI (%) 0.00% 1.22% 0.25% 0.02% 1.49%

Private 0.00% 1.22% 0.25% 0.02% 1.49%

NBFC-Others (%) 49.74% 11.02% 3.49% 1.52% 65.78%

Backed by PSU 24.68% 0.01% 2.81% 0.00% 27.51%

Backed by Bank 4.09% 0.42% 0.00% 0.00% 4.51%

Private 20.97% 10.59% 0.68% 1.52% 33.76%

Grand Total (%) 72.86% 21.58% 4.01% 1.55% 100.00%

© 2025 Bank of India. All rights reserved 13

Domestic Advances - Infrastructure Sector Outstanding

Business Performance
(Amt in ₹ Cr)

Particulars 31.03.24 31.12.24 31.03.25 Infrastructure Bonds in FY 25

1. Power 35,124 35,360 33,354
a) SEBs 14,780 14,178 12,594
▪ Generation
Infrastructure Bonds
6,388 6,038 5,691
Raised during FY 25
▪ Transmission 2,463 2,205 2,062
▪ Distribution 5,929 5,935 4,841
₹12,690 Crores

b) PSUs & Pvt Power Cos 20,344 21,182 20,760

2. Roads and Ports 16,418 17,422 16,948

3. Telecom 370 366 347

4. Other Infrastructure 6,948 6,279 5,977
Total 58,860 59,427 56,626
© 2025 Bank of India. All rights reserved 14
Benchmark wise Distribution of Advances Standard Domestic

Business Performance
(Amt in ₹ Cr)

Standard Advances
Base Rate, 1% Benchmark Rates Share (%)
Others , 16% as on 31.03.25

Base Rate 4,276 0.79

MCLR, 29%

MCLR 1,57,048 28.97

EBLR 2,94,002 54.23

BPLR, 0%

EBLR, 54%
Others 86,863 16.01

Grand Total 5,42,189 100.00%

© 2025 Bank of India. All rights reserved 15

External Ratings wise Distribution of Standard Corporate Advances
Business Performance
Domestic Corporate Advances Above Rs. 50 Cr

2.56% 5.10% 1.59% 5.92%

3.67% 3.72%

88.67% 88.77%

31.03.24 31.03.25

A & above BBB Below BBB Unrated

As on 31.03.25, Investment grade accounts form 93% of our Standard Corporate Advances portfolio

© 2025 Bank of India. All rights reserved 16

Domestic Investments

Business Performance
(Amt in ₹ Cr)

As on 31.12.24 As on 31.03.25
Particulars
AFS HTM FVTPL SUB-JV Total AFS HTM FVTPL SUB-JV Total

SLR Investments 21,381 1,57,587 27,695 - 2,06,663 26,176 1,56,996 16,156 1,99,328

- of which
21,381 1,57,587 27,695 - 2,06,663 26,176 1,56,996 16,156 1,99,328
Govt Securities

Non SLR
9,471 26,573 5,504 3,965 45,513 10,664 26,586 6,819 3,965 48,034
Investments

M Duration 2.26 - 3.26 - - 3.09 - 2.53 - -

Total 30,852 1,84,160 33,199 3,965 2,52,176 36,840 1,83,582 22,975 3,965 2,47,362

© 2025 Bank of India. All rights reserved 17

Net Interest Income (Global)

Financial Performance
(Amt in ₹ Cr)

QE Mar 24 QE Dec 24 QE Mar 25 YoY (%) 12 M 12 M

YoY (%)
Mar 24 Mar 25
Interest Income 16,162 18,211 18,323 13 60,710 70,826 17
a. Advances 11,626 12,918 13,064 12 42,881 50,045 17
b. Investments 3,661 4,528 4,343 19 14,123 17,205 22
c. Money Market
875 765 916 5 3,706 3,576 -3
Operations & Others
Interest Expended 10,225 12,141 12,260 20 37,657 46,432 23

a. Deposits 8,386 9,629 9,871 18 31,242 37,766 21

b. Borrowings 1,640 2,116 1,924 17 5,625 7,315 30

c. Subordinated 790 1,351 71
199 396 465 133
Bonds & Others
Net Interest Income 5,937 6,070 6,063 2 23,053 24,394 6

© 2025 Bank of India. All rights reserved 18

Non-Interest Income (Global)

Financial Performance
(Amt in ₹ Cr)

12 M 12 M
Particulars QE Mar 24 QE Dec 24 QE Mar 25 YoY (%) YoY (%)
Mar 24 Mar 25
Commission, Exchange
398 462 480 21 1,550 1,713 11
& Brokerage
Cross Selling
64 68 79 24 200 281 41
(Third Party Commission)
Profit from Sale and
Revaluation of 380 266 711 87 628 1,873 198
Investments
Profit from
110 60 237 114 513 431 -16
Exchange Transactions
Recovery In W/o
388 391 1,143 195 1,467 2,365 61
accounts
Other Non Interest
411 500 777 89 1,737 2,330 34
Income

Non Interest Income 1,751 1,747 3,428 96 6,095 8,994 48

© 2025 Bank of India. All rights reserved 19
Operating Expenses (Global)

Financial Performance
(Amt in ₹ Cr)
12 M 12 M
Particulars QE Mar 24 QE Dec 24 QE Mar 25 YoY (%) YoY (%)
Mar 24 Mar 25
Staff Expenses 2,544 2,441 2,882 13 9,188 10,300 12
Overheads
Rent, Taxes and Lighting 244 251 256 5 924 990 7
Depreciation on Banks Property 132 146 175 33 499 594 19
Printing and Stationery 28 25 30 5 97 103 6

Postage & Telecommunication 66 65 68 3 286 328 15

Repairs and Maintenance 27 23 30 11 92 104 14

Travelling Expenses 94 115 106 13 403 445 11
Insurance (Dep. & General Ins.) 210 233 233 11 831 915 10

Misc Expenses and Others 785 815 825 5 2,759 3,196 16

Total Operating Expenses 4,130 4,114 4,605 12 15,079 16,975 13

© 2025 Bank of India. All rights reserved 20

Operating Profit and Net Profit (Global)

Financial Performance
(Amt in ₹ Cr)
QE QE QE 12 M 12 M
Particulars YoY (%) YoY (%)
Mar 24 Dec 24 Mar 25 Mar 24 Mar 25
Operating Profit 3,557 3,703 4,885 37 14,069 16,412 17

Provisions for

- Bad & Doubtful (NPA) 2,043 603 1,347 -34 4,109 4,593 12

- Non Performing
-28 - - - 72 -282 -
Investment (NPI)
- Standard Assets
-189 -299 -9 - -212 -333 -
& Others
Provisions before Tax 1,826 304 1,338 -27 3,970 3,978 1

Profit before Tax (PBT) 1,731 3,399 3,547 105 10,099 12,434 23

Taxation 292 882 921 215 3,781 3,215 -15

Net Profit 1,439 2,517 2,626 82 6,318 9,219 46

© 2025 Bank of India. All rights reserved 21

Key Financial Ratios (Global)

Financial Performance

QE QE QE
Particulars FY 2024 FY 2025
Mar 24 Dec 24 Mar 25
Yield on Advances (%) 8.47 8.55 8.27 8.38 8.46
Yield on Investments (%) 6.81 7.15 7.03 6.75 7.10
Yield on Funds (%) 7.24 7.22 7.07 7.03 7.24
Cost of Deposits (%) 4.71 4.96 4.98 4.51 4.90
Cost of Funds (%) 4.58 4.81 4.73 4.36 4.75
Net Interest Margin (NIM) (%) 2.92 2.80 2.61 2.97 2.82
Cost to Income Ratio (%) 53.73 52.63 48.53 51.73 50.84
Credit Deposit Ratio 79.36 81.97 81.57 79.36 81.57
Return on Assets (%) 0.61 0.96 0.98 0.70 0.90
Return on Equity (%) 10.60 16.53 16.41 13.13 15.27
Credit Cost (Annualised) (%) 1.48 0.39 0.84 0.78 0.76
Book Value Per Share (Tangible) (Rs) 121.07 136.98 145.10 121.07 145.10
Book Value Per Share (Rs) 131.30 142.61 148.88 131.30 148.88
© 2025 Bank of India. All rights reserved 22
Asset Classification: Global Advances

Asset Quality
(Amt in ₹ Cr)

As on 31.03.24 As on 31.12.24 As on 31.03.25

Particulars
Outstanding Share (%) Outstanding Share (%) Outstanding Share (%)

Standard Advances 5,56,412 95.02 6,27,459 96.31 6,44,298 96.73

Gross NPA 29,183 4.98 24,048 3.69 21,749 3.27

- Sub-Standard 4,634 0.79 4,197 0.64 4,485 0.67

- Doubtful 12,402 2.12 10,082 1.55 9,178 1.38

- Loss 12,147 2.07 9,769 1.50 8,086 1.21

Gross Advances 5,85,595 100.00 6,51,507 100.00 6,66,047 100.00

© 2025 Bank of India. All rights reserved 23

SMA Rs. 5 Cr & above

Asset Quality
(Amt in ₹ Cr)

Position of Rs. 5.00 crores & above

31.03.24 31.12.24 31.03.25
SMA Category
Amount % to Std Adv Amount % to Std Adv Amount % to Std Adv
SMA-0 5,917 1.06 2,096 0.33 1,761 0.27
SMA-1 502 0.09 2,087 0.33 3,652 0.57
SMA-2 712 0.13 3,096 0.49 508 0.08
Grand Total 7,131 1.28 7,279 1.16 5,921 0.92

31.12.24 31.03.25
Sector-wise SMA
SMA-0 SMA-1 SMA-2 Total SMA-0 SMA-1 SMA-2 Total
Agriculture 113 68 89 270 231 7 69 307
Retail 46 28 82 157 52 48 45 145
MSME 476 203 434 1113 383 240 247 870
Corporate 1,460 1,789 2,490 5,739 1,095 3,357 147 4,599
Grand Total 2,096 2,087 3,096 7,279 1,761 3,652 508 5,921
© 2025 Bank of India. All rights reserved 24
Resolution Framework - Standard Restructuring (Domestic)

Asset Quality
(Amt in ₹ Cr)

Outstanding as on 31.03.25
% of Gross
Category Total Provision
Resolution Resolution One Time Advances
Framework 1.0 Framework 2.0 Restructuring

Retail 242 3,193 - 3,435 343

MSME 209 952 358 1,519 134

0.85
Corporate
191 - 525 716 45
& Others

Total 642 4,145 883 5,670 522

© 2025 Bank of India. All rights reserved 25

Movement of NPA (Global)

Asset Quality
(Amt in ₹ Cr)

Segment QE Mar24 QE Dec 24 QE Mar25 FY 2024 FY 2025

Opening Balance (Gross NPA) 30,237 27,456 24,048 37,686 29,183
+ Fresh Slippage 1,980 1,045 1,913 7,092 7,099
+ Debits in existing NPA accounts 58 60 95 459 489
Total Addition 2,038 1,105 2,008 7,551 7,588
- Cash Recovery 1,437 1,264 1,975 5,261 5,963
- Upgradation 74 108 65 1,044 1,303
- Written Off 1,581 3,141 2,267 9,749 7,756
Total Reduction 3,092 4,513 4,307 16,054 15,022
Closing Balance (Gross NPA) 29,183 24,048 21,749 29,183 21,749
Less: Provisions 22,338 18,638 16,390 22,338 16,391
Net NPA 6,845 5,410 5,359 6,845 5,358

Recovery in URI/UCI 597 464 716 1,577 2,240

Gross cash recovery (Recovery + Upgradation) 2,108 1,836 2,756 7,882 9,506
© 2025 Bank of India. All rights reserved 26
Sector wise breakup of Fresh Slippages

Asset Quality
(Amt in ₹ Cr)

QE QE QE
Particulars % Share % Share % Share
Mar 24 Dec 24 Mar 25

Retail 147 7 140 13 137 7

Agriculture 626 31 392 35 953 47

MSME 794 39 490 44 834 42

Corporate 439 22 102 9 64 3

Total Domestic 2,006 98 1,124 102 1,988 99

Overseas 32 2 -19 -2 20 1

Total Global 2,038 100 1,105 100 2,008 100

© 2025 Bank of India. All rights reserved 27

Sector wise Classification of Gross NPA

Asset Quality
Amt in (₹ Cr)

QE Mar24 QE Dec 24 QE Mar25

Sector
Amount % of total Amount % of total Amount % of total

Retail 2,240 8 1,874 8 1,937 9

Agriculture 9,540 33 9,122 38 9,389 43

MSME 10,066 34 10,222 42 7,461 34

Corporate 6,983 24 2,460 10 2,574 12

Total Domestic 28,829 99 23,678 98 21,361 98

Overseas 354 1 370 2 388 2

Total Global 29,183 100 24,048 100 21,749 100

© 2025 Bank of India. All rights reserved 28
Asset Quality Ratio (Global)

Asset Quality
(Amt in ₹ Cr)

Particulars 31.03.24 31.03.25

Gross NPA 29,183 21,749

Net NPA 6,845 5,359

Gross NPA (%) 4.98 3.27

Net NPA (%) 1.22 0.82

Provision Coverage (%) 90.59 92.39

Slippage Ratio (%)* 1.58 1.36

Credit Cost (%)* 0.78 0.76

* Ratios is for full year i.e FY 24 & FY 25.

© 2025 Bank of India. All rights reserved 29

Summary of NCLT Cases Domestic (As on 31.03.25)

Asset Quality
(Amt in ₹ Cr)

Total Book Outstanding Provision Provision

Particulars No. of Accounts
(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
68 5,781 4,918 85
our Bank
Cases under admission in NCLT by our
5 594 455 76
Bank
Cases filed and admitted in NCLT by
219 20,452 19,272 94
other Bank
Cases under admission in NCLT by
2 306 257 84
other Bank

Total 302 30,143 27,911 93

Cash Recovery in NCLT Accounts: ₹ 2,061 Cr in FY 25
© 2025 Bank of India. All rights reserved 30
Capital Adequacy

Capital & Shareholding

(Amt in ₹ Cr)

Particulars 31.03.24 31.12.24 31.03.25 Particulars 31.03.24 31.12.24 31.03.25

Capital Adequacy - Basel III
Total RWA 4,12,078 4,48,923 4,45,960
CET-1 Capital 58,660 58,197 66,194
Credit RWA 3,46,220 3,88,195 3,89,429
Tier I Capital 61,512 61,049 68,996
Market RWA 25,180 15,076 10,879
Tier II Capital 8,395 10,775 10,244
Operational
40,678 45,652 45,652
Total Capital (CRAR) 69,907 71,824 79,240 RWA
Risk Weighted Assets (RWA) 4,12,078 4,48,923 4,45,960
Capital Plan
CET-1 (%) including CCB 14.24 12.96 14.84 Capital Raised during FY 25
Tier I (%) 14.93 13.60 15.47
Tier II Bonds
Tier II (%) 2.03 2.40 2.30

Capital Adequacy
Basel III (%) (incl CCB)
16.96 16.00 17.77
₹ 2500 Crores

© 2025 Bank of India. All rights reserved 31

Ratings & Shareholding Pattern

Ratings Capital & Shareholding

Rating Agency Rating Shareholding (%) Shareholding (%)

Particulars
As on 31.12.24 As on 31.03.25
Domestic Short Term Rating

CRISIL Ltd. AA+ (Stable)

Government
73.38 73.38
ICRA Ltd. AA+ (Stable) of India Others,
Indian 12.02%
India Ratings AA+ (Stable) Life public,
CARE Ratings AA+ (Stable) Insurance 7.96 7.99 6.61%
Corp
Acuite Ratings AAA (Stable)

Informerics AAA (Stable) Indian Public 6.38 6.61 Life

Insurance
Domestic Short Term Rating Corp., 7.99%

CRISIL Ltd. A1+ Others 12.28 12.02

Overseas Rating Promoter (Govt

of India), 73.38%
BBB-
Fitch Rating (Long) / F3 (Short) Total 100.00 100.00
(Stable)

© 2025 Bank of India. All rights reserved 32

Digital Initiatives
WhatsApp Banking @ +91 7997987601 E-Platform
Access to a range of services designed Digital journey to a host of banking products.
to meet daily banking needs 27 more products were added during this FY.

Updated Customer Relationship

Module (CRM Next) & UDIR-ATM NACH e-mandate Registration
Transaction Resolution & Auto Termination of ECS
Improved web-based platform that NACH e-mandate registration through
allows customers to easily submit and STP web journey. Auto termination
track service requests and complaints of ECS mandate upon loan closure
with advanced call centre integration
NACH e-Mandate Simplified
Online dispute resolution of Authentication Mechanism
customer complaints for ATM transactions

Customer 360 Unified View Portable UPI QR Sound Box Device

To deeply understand our customers and Convenient UPI solution
their needs for enhanced service delivery for merchant customers.

Other Initiatives Awards & Recognitions

OTP based online Direct Debit Red Hat APAC Innovation Award in Digital
mandate registration Transformation & Hybrid Cloud Infrastructure
Winner of 5th Annual BFSI Excellence Award
launched
for Innovative Use of Technology

33
© 2025 Bank of India. All rights reserved
BOI OMNI NEO Platform

BOI Mobile Omni Neo Bank

FY25 Business Data (Count)
❖ Over 440 services
from any mobile
device 2,13,655 9,238
Bill Payment Loan Mutual Funds

❖ 90 lakh customers on- Deposit Credit Card

boarded Opened Onboarded

❖ 52 lakhs new
customers in FY 24-25
Tax
60,157
Account Doorstep
2,79,097
BOI Omni Neo Internet Banking
Transfer & SI Pension Banking SB Account
ASBA
Leads
❖ Over 240 services,
with 400 on the
horizon
3,35,250
❖ Retail & Corporate
6,328
Clients Bill
Life, Health, Mutual Fund
General & Micro ASBA IPO & PPF, NPS, SSY, Payments
Insurance Demat APY, MSSC
34
© 2025 Bank of India. All rights reserved
Digital Banking

UPI Ecosystem

221 lakh + 8 lakh + (17%) 26 lakh +

21 Foreign Currencies
UPI Customers New Customers Added UPI Customers @ BOI Enabled &
Mobile Omni Neo Active in 40 Countries

Merchant Acquisition
No. of Merchants Acquiring Turnover (₹ crores) Avg. Turnover / Merchant per Day (₹ lakhs)

12,74,934 25,777 2.05

11,35,986
1.32
14,166

31.03.24 31.03.25 31.03.24 31.03.25 31.03.24 31.03.25

© 2025 Bank of India. All rights reserved 35

Digital Transformation

Resiliency Operations Centre(ROC) Fintech Centre of Excellence (CoE) Project Star NexTech Open BOI (API Banking)

Centralized Monitoring Hub • A future ready robust platform for Digital & Technology Transformation • Redefining API framework to
• 24x7 monitoring team innovation, collaboration and explore new business models
• Redesigning existing journeys
for critical applications transformation across all banking • API Banking to offer tailored
under App, Web and branch
business segments customized services to
• Faster incident resolution assisted
• The CoE will focus on customer Corporate customers.
• All 31 critical banking applications • Building effective ecosystem
centric solutions while prioritizing
with Fintech partnerships
• Utilizing best in class tools for security and compliance Centralised Digital Payment
• Redefining IT organization
effective alerting Processing System
structure & enterprise
• Establishment of War rooms for architecture across all banking • Major payment rails under one
system outages and major Intelligent Process Automation business layers umbrella. Supports UPI, IMPS, NACH,
incidents • IT Governance and security setup RTGS, NEFT, BBPS, & SWIFT
Automating manual including institutionalization of • Seamless Transactions, Enhanced
& repetitive tasks processes and practices Control, & Improved Efficiency
Project Star ADITYA • Automating a minimum of 100 • Future-Ready: Supports emerging
tasks technologies like Digital Currency, E-
• Robotic Process Toll, ONDC & CBDC
Enhanced Enterprise Automation(RPA), Machine
Datawarehouse & Analytics Learning(ML), APIs, Intelligent
Centre of Excellence (ACoE) Document Processing (IDP) and
other hyper automation tools.
• Business Intelligence tool • 16 process automated so far
• Advance Analytics Platform saving more than 11,997 man-
• Data Quality & Governance hours
Platform
• Smart interactive account
statement solution

© 2025 Bank of India. All rights reserved 36

Digital Banking Alternate Delivery Channels
Digital Banking

Quarterly Transaction Count (in Cr) Internet Banking Users (in lakhs)
162 154 171 164
132 93
124 92
Digital

Total
Total

Digital

88
Total
Digital

31.03.24 31.12.24 31.03.25 31.03.24 31.12.24 31.03.25

UPI Users (in lakhs) Mobile Banking Users (in lakhs)

90
220 76
212

187 34

31.03.24 31.12.24 31.03.25 31.03.24 31.12.24 31.03.25

Debit Card base of 387 Lakhs

© 2025 Bank of India. All rights reserved 37

Cyber Security Governance
& Achievements Cyber Security Governance
Digital Banking

Cyber Security Comprehensive Cyber Integrated Digital Risk

Center of Excellence (CS-CoE) Security Framework Management using IT-GRC

Proactive Attack Centralized Cyber Threat Extensive Cyber Awareness

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

Achievements

IBA - Special Mention Award

under CISO Elevator pitch
Runner Up in Cyber Exercise
Category in 2024

DSCI Runner-up Award for

Advanced category BitSight
Best Cyber Security Practices
Score
in Banks - 2024
© 2025 Bank of India. All rights reserved 38
 Major Products offered through Digital Platform
Digital Banking

Retail Agriculture MSME Resources

❖ Star Home Loan ❖ KCC - Crop Loan / ❖ MSME Renewal ❖ Saving Accounts
❖ Top Up Loan Animal Husbandry ❖ MSME up to 200.00 ❖ Current Accounts
❖ Vehicle Loan ❖ Krishi Vahan lakh ❖ Term Deposits
❖ Education Loan ❖ Self Help Group ❖ MSME above Rs.10.00 ❖ Recurring Deposits
❖ Bhoomihin Kisan card lakhs to Rs.2.00 Cr (Including Flexi RD)
❖ Loan Against Property
(Digital Assessment)
❖ Pensioner Loan ❖ Dairy - EMI - CC/TL ❖ Harit Jama Yojana -
Digivriddhi ❖ Mudra Kishor Green Deposits
❖ Personal Loan
❖ Gold Loan ❖ Mudra - Tarun
❖ Solar Roof Top
❖ Top Up Loan
❖ Star Doctor Plus
❖ Vehicle Express Loan
❖ Earnest Money
Deposit scheme
(Retail)

© 2025 Bank of India. All rights reserved 39

Overseas Business Operations

Other Parameters

No of
Categories foreign
offices
Overseas Branches (21) 21

Overseas Subsidiaries (4) 23

Overseas Joint Ventures

1
(1)

Representative Offices 1

IFSC Banking Unit

1
(IBU)- GIFT
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 40
Overseas Business Operations
Geography-wise Advances Composition (%)
Other Parameters 31
26
Select Business Parameters of Overseas Branches
(Amt in ₹ Cr) 13
8 8 7
Parameters FY 2024 FY 2025 3 2 2 1 0.1
Deposits 1,08,203 1,16,243
Advances 93,203 1,02,497
Business Mix 2,01,406 2,18,740
Total Income 7,488 8,467 Segment-wise Loan Composition

Operating Profit 1,303 1,492

Net Profit 947 1,164 Trade finance

Gross NPA 354 388 40% 41% Local lending

Net NPA 90 81 India linked

19% loans
Bank has raised USD 400 Mn and JPY 15 Bn (USD 100 Mn) through
syndication with tenors ranging from 3-5 years during FY2025 to
augment overseas business growth.
© 2025 Bank of India. All rights reserved 41
Overseas Subsidiaries and Joint Ventures

Other Parameters
(Amt in ₹ Cr)

Subsidiary / Business Interest Operating Net

Capital Deposits Advances
Joint Venture Mix Income Profit Profit

Bank of India (New Zealand) Ltd. 427 505 718 1,230 60 22 7

Bank of India (Tanzania) Ltd. 70 570 418 988 59 16 12

Bank of India (Uganda) Ltd. 350 757 545 1,302 113 52 33

PT Bank of India Indonesia, Tbk 1,791 1,700 2,256 3,956 221 56 42

Indo Zambia Bank ( JV) 126 5,341 2,265 7,606 685 348 236

© 2025 Bank of India. All rights reserved 42

Domestic Subsidiaries, Associates and Joint Ventures

Other Parameters
As on 31.03.25

Book 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 activities for NSDL &
2 BOI Shareholding Ltd. CDSL, Corporate BSA Activity for Bank of 6.65 100.00
India
Bank of India Investment
3 Mutual Fund business 98.10 100.00
Managers 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

Joint Venture - Domestic

7 Star Union Dai-Ichi Life Ins. Co. Ltd. Life Insurance Company 132.92 27.48

© 2025 Bank of India. All rights reserved 43

RRBs Sponsored by Bank of India

Other Parameters

(Amt in ₹ Cr)

Business Mix Profit

S No Name of the RRB Area of operation
(As on 31.03.25) (12M Mar 25)

1 Aryavart Bank Uttar Pradesh 63,279 94

Madhya Pradesh
2 Madhya Pradesh 36,944 185
Grameen Bank

Vidharbha Konkan Maharashtra

3 11,013 -23
Grameen Bank

© 2025 Bank of India. All rights reserved 44

Branch Network & Geographical Presence

Other Parameters

Branch Network 31.03.25

Domestic Branches 5,306

▪ Metro 974
▪ Urban 851
▪ Semi Urban 1,573
▪ Rural 1,906
▪ Digital Banking Units 2
Overseas Branches 22
Total No. of Branches 5,328
No of ATMs & CRA 8,003
No of BCs 1
23,281

Total No of Customer Touch points 36,612

© 2025 Bank of India. All rights reserved 45

Inclusive Growth Financial Inclusion
Other Parameters Numbers in Lakhs

PMJDY PMSBY PMJJBY APY New Initiatives

❖ Number of BC/BCAs as on 31.03.25:
40 23,281 (as on 31.03.24: 20,703)
285 289 124 ❖ 42 banking services at all BC/BCAs
points
34
271
105 ❖ Instant Account Number generation
252
made available at all BC points (1.29
lakh accounts opened since 03.03.25)
❖
graded by Ministry of Rural
Development. 1 New RSETI at AGAR
MALWA District has been opened by
our bank.
❖ 35 new CFLs opened. Total Number of
CFLs is now 186.
31.03.24 31.03.25 31.03.24 31.03.25 31.03.24 31.03.25 31.03.24 31.03.25 ❖ Bank has won the annual award of
Numero
Target Achievement Target Achievement Target Achievement Target Achievement
four consecutive years.
126% 138% 138% 128%
© 2025 Bank of India. All rights reserved 46
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 31.03.25
Posted
Zonal Centralized
71 257
Operations Dept. Total No. of Employees 50,564
SME City Centre &
136 1114 Female Employees 14,852
SME Urban Centre
Retail Business center 143 988 Male Employees 35,712
Star Krishi Vikas Kendra 160 550
Business Per Employee
Foreign Exchange 2,821
1 86 (Rs. lakhs)
Back Office

Transaction Monitoring Profit Per Employee

1 80 (Rs. lakhs)
18.15
& KYC AML Department

© 2025 Bank of India. All rights reserved 47

People Initiatives

Design of Talent
Building Centers Digitally Enabled Leadership Rewards &
Performance Target Setting & Management &
of Excellence Postings & Succession Recognitions for
Management Smart Analytics Skill
(CoEs) Promotions Planning Employees
(PMS) Tools Assessment

Performance- Digital tool for Training needs Transforming Bank's Strategic Data-driven Comprehensive
driven target allocation assessment via STAR training institutes workforce succession policy for
assessments with tailored to each Compass - MCQ quiz into Centers of planning with pipeline for monetary
customized unit to make platform and Excellence (CoEs) tools for digitizing identified critical rewards and
outcome-based target setting a personalized learning People & Leadership, workflows in roles via digital digital
KRAs and comprehensive plans; part of Talent Credit & Risk and IT Postings & tool and a defined recognitions
business review planning Management for advanced Promotions competency launched to foster
tools with real- exercise, basis ecosystem with research & upskilling process including matrix; Launch of a performance-
time dashboards historical data, linkages to roles, to set the foundation a smart STAR SHIKHAR - driven culture,
launched pan market potential, skills & job families for a new age recommendation Leadership 360- boost motivation,
India, for a risk appetite, for a world-class learning culture at engine to help degree & and enhance
transparent & catchment area talent pool BOI assign the right competency employee
objective PMS & cluster officer for the assessment along satisfaction
boosting overall dynamics right role across with custom
employee the Bank grooming plans
productivity

© 2025 Bank of India. All rights reserved 48

Environmental, Social & Governance (ESG)

EEnvironmental
S
Social
GGovernance

Green Deposit scheme launched: Inclusive Growth Investing back in Well defined
Star Harit Jama Yojana. ₹33 Cr Over 6.84 lakh beneficiaries communities we serve corporate
garnered in over a month. under PM SVANidhi 17.69% YoY increase in CSR governance policies
Renewable Energy exposure 2.85 crore PMJDY spending in FY2025 Whistle blower policy -
₹4,359 Crs. Over 4000 household accounts - bringing accessible enhancing transparency
28 lakh individuals counseled
rooftop solar sanctioned. banking to the unbanked through FLCC Centers so far.
3,059 camps in FY25 involving A culture of integrity & honesty is
Dedicated Green cell at Bank Presently over 21 lakh farmers nurtured through strong ethical
supported through KCC alone more than 1.10 lakh people
codes
Frontline staff handling corporate 46,566 youth trained Prevention of sexual harassment
customers undergoing ESG, Women Empowerment through our 43 RSETIs in FY25 of women at workplace policy
Sustainability & Climate Risk
training. All new recruits are Over 4 lakh women Diversity
entrepreneurs assisted under Women constitute Well defined business continuity
being mandatorily trained in ESG plan for seamless transition
various schemes 29% of our workforce
in unexpected circumstances
Paperless banking: 12.77 lakh Financed over 3.50 lakh
accounts opened through e- 2.6% of our staff comprises
women SHG groups of differently abled persons Strong priority on cyber security
portal, eliminating around 76 mt
of CO2 emissions 51% MUDRA beneficiaries in & fraud risk management
78 of our employees are
FY25 are women. from sports fraternity who
Bank is reporting its scope 1 excel in various National and Over 2 lakh man hours of
& scope 2 emissions 9,400 plus girl children International events training to employees in
quarterly supported under Star Angel various banking aspects
Scheme

© 2025 Bank of India. All rights reserved 49

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 . 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 one in any manner whatsoever.

© 2025 Bank of India. All rights reserved 50

 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.

(Commemorative Stamp on BOI released by India Post on 08.10.2024)

© 2025 Bank of India. All rights reserved 51