BANKINDIA

Ns an*I WO T Bank of India 141-1.T. Ref No.:HO:IRC:AS:2026-27:130 rCitW Date: 24.07.2026 Scrip Code: BANKINDIA Scrip Code: 532149 ' The Vice President — Listing Department, The Vice-President — Listing Department, National Stock Exchange of India Ltd., BSE Ltd., Exchange Plaza, 25, P.J. Towers, Dalal Street, Bandra Kurla Complex, Bandra East, Mumbai 400 001 Mumbai 400 051. 17-61TWIT6171T Dear Sir / Madam, Investor's Presentation- Unaudited (Reviewed) Financial Results (Standalone & Consolidated) for the 1st Quarter ended 30.06.2026 We enclose copy of Investor's Presentation on the Unaudited (Reviewed) Financial Results (Standalone & Consolidated) for the 1st Quarter ended 30.06.2026. This is for your information, please. Thanking you, 1-1-47 Yours faithfully, (Usha Ramsinghani) -$714t Tfr4d. Company Secretary Ate chlq Mg: I(cid:9) ict> -441 INTIT, RTZ Y1371-I, 3iFollifff,(cid:9) 1t-ex414), VT 'ref Trgc7, iS11 ,(cid:9) - 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/ 4491 Email: headoffice.share@bankofindia.bank.in Table of Contents Financial Key Business Performance Highlights Performance 01 2 - 15 16 - 20 Digital Asset Capital, Banking HR, Quality Share Holding ESG etc. & Group Performance 21 - 28 29-35 36-48 Key Highlights Global Business RAM Growth Net Profit 16.57% 19.75% 36.23% Key Highlights Global Deposits Retail Advances Gross NPA Q1 FY 2026-27 (YoY) 14.90% 20.60% 111 bps Global Advances Agriculture Advances Net NPA 18.64% 18.92% 24 bps Corporate Advances MSME Advances CRAR 18.44% 19.34% 130 bps 01 Business Performance Global Business Mix (Amt in ₹ Cr) 17,55,699 16,98,662 15,06,142 9,57,924 9,27,271 7,97,775 8,33,698 7,71,391 6,72,444 30.06.25 31.03.26 30.06.26 Global Deposits Global Advances Global Business Mix 02 Business Performance (Amt in ₹ Cr) Domestic & Overseas Deposits Domestic & Overseas Advances Q1 FY 26 Q1 FY 26 8,33,698 6,72,444 7,10,277 1,23,421 5,65,297 1,07,147 Q4 FY 26 Q4 FY 26 7,71,391 9,27,271 8,00,443 1,26,828 6,54,292 1,17,099 Q1 FY 27 Q1 FY 27 7,97,775 9,57,924 8,24,963 1,32,961 6,73,833 1,23,942 Domestic Overseas Domestic Overseas 03 Business Performance Global Deposits & Advances - Growth (Amt in ₹ Cr) QoQ Growth YoY Growth Particulars 30.06.25 31.03.26 30.06.26 Amount % Amount % Global Deposits 8,33,698 9,27,271 9,57,924 30,653 3.31 1,24,226 14.90 Global Advances 6,72,444 7,71,391 7,97,775 26,384 3.42 1,25,331 18.64 Global 15,06,142 16,98,662 17,55,699 57,037 3.36 2,49,557 16.57 Business Mix Global Business crosses ₹17.50 Lakh Crore with 16.57% YoY Growth 04 Business Performance Domestic Deposits (Amt in ₹ Cr) Particulars 30.06.25 31.03.26 30.06.26 CASA Amount 2,81,846 3,00,765 3,02,085 CASA (%) 39.88% 37.64% 36.68% Total Term Deposits 4,24,952 4,98,193 5,21,377 Retail Term Deposits (%) 46.49% 44.14% 42.00% 05 Business Performance Composition of Gross Domestic Advances (Amt in ₹ Cr) Retail Agriculture MSME RAM Corporate Gross Domestic RAM & Others Advances Advances (%) 30.06.25 1,37,782 97,358 92,908 3,28,048 2,37,249 5,65,297 58.03% 31.03.26 1,62,025 1,14,593 1,06,660 3,83,278 2,71,014 6,54,292 58.57% 58.30% 30.06.26 1,66,170 1,15,782 1,10,881 3,92,833 2,81,000 6,73,833 Growth 20.60 18.92 19.34 19.75 18.44 19.20 YoY% The Bank continues to strengthen its focus on the RAM portfolio, with its contribution to Gross Domestic Advances increasing year-on-year. 06 Business Performance Retail Loans (Amt in ₹ Cr) 15% Growth Particulars 30.06.25 31.03.26 30.06.26 YoY (%) 8% Home loans 69,197 79,178 81,213 17 49% Vehicle loans 21,001 24,726 25,296 20 10% Education loans 3,846 4,590 4,609 20 3% Mortgage loans 10,762 15,617 16,280 51 15% Personal loans 12,721 13,168 13,068 3 Others* 20,255 24,746 25,704 27 Home Loans Vehicle loans Education loans Mortgage loans Total Retail Loans 1,37,782 1,62,025 1,66,170 21 Personal Loans Others * Includes Staff Loans, Gold Loans, Loan against Deposits, etc. 07 Business Performance Priority Sector Advances (Amt in ₹ Cr) Particulars Regulatory Target 30.06.25 31.03.26 30.06.26 ANBC 4,96,531 5,36,823 5,38,858 Priority Sector 2,28,842 2,48,887 2,53,864 % To ANBC 40.00 46.09 46.36 47.11 Agriculture* 99,025 1,05,022 1,06,986 % To ANBC 18.00 19.94 19.56 19.85 Small and 67,751 74,105 76,643 Marginal Farmers % To ANBC 10.00 13.64 13.80 14.22 Weaker Section 84,821 93,879 96,712 17.95 % To ANBC 12.00 17.08 17.49 Micro Enterprises (PS) 48,265 51,580 51,613 % To ANBC 7.50 9.72 9.61 9.58 * Includes RIDF & PSLC Priority Sector lending across categories exceed the regulatory targets as on 30.06.2026 08 Business Performance Domestic Credit Industry-wise Outstanding (Amt in ₹ Cr) Particulars 30.06.25 31.03.26 30.06.26 Infrastructure 58,089 53,392 54,967 Basic Metal & Metal products 18,893 21,570 22,341 Textiles 6,331 6,659 6,934 Gems & Jewellery 3,031 2,995 2,792 Chemicals & Chemical products 7,653 6,532 7,277 Vehicles & Transport equipment 2,079 2,092 2,401 Rubber, Plastic & their products 3,952 4,253 4,356 Construction 4,656 4,009 4,218 Direct Exp to Real Estate Sector 83,701 1,00,026 1,02,938 - Residential Mortgage* 80,758 95,707 98,395 - CRE 2,944 4,319 4,543 NBFC (Incl. HFCs) 66,547 78,864 80,900 * Includes Priority Sector Housing Loans and all other Residential Mortgages 09 Business Performance NBFC Portfolio Global Outstanding (Amt in ₹ Cr) Portfolio Mix (%) Particulars 30.06.25 31.03.26 30.06.26 76% 78% 72% 30.06.25 31.03.26 30.06.26 AAA 61,866 76,456 78,037 AA 18,436 18,830 18,316 22% 19% 18% A 3,688 3,370 3,315 4% 4% 3% 2% 1% 1% BBB & Below 1,370 1,399 1,054 Total 85,360 1,00,055 1,00,722 AAA AA A BBB & Below AAA segment Over 96% of the Well diversified continues to Low exposure to Key portfolio is in portfolio across strengthen, lower rated assets Highlights AAA & AA categories various market increasing to (BBB & Below) players 78% as on 30.06.26 10 Business Performance Global NBFC Portfolio Rating Profile as on 30.06.2026 (Percentage) Category AAA AA A BBB & Below Total NBFC-HFC 22 6 -- -- 28 PSU 8 1 -- -- 9 Bank 4 2 -- -- 6 Private 11 3 -- -- 14 NBFC-MFI -- 1 -- -- 1 Private -- 1 -- -- 1 NBFC-Others 55 12 3 1 71 PSU 4 -- 2 -- 6 Bank 23 -- -- -- 23 Private 28 11 1 1 40 Grand Total 78 18 3 1 100 11 Business Performance Domestic Advances Infrastructure Sector Outstanding (Amt in ₹ Cr) Particulars 30.06.25 31.03.26 30.06.26 Power 34,066 34,066 35,758 a) SEBs 11,832 11,047 9,366 - Generation 5,611 5,611 4,274 - Transmission 1,655 1,655 1,445 - Distribution 4,566 3,781 3,647 b) PSUs & Pvt Power Cos 22,234 23,019 26,392 Roads and Ports 17,364 12,916 12,669 Other Infrastructure* 6,659 6,410 6,540 Total 58,089 53,392 54,967 * Other Infrastructure includes Telecom, Social Infrastructure, Water & Sanitation, etc. 12 Business Performance Benchmark-wise Distribution of Advances Standard Domestic (Amt in ₹ Cr) Others 8% Base Rate Benchmark Standard Advances Share 1% Rates as on 30.06.26 (%) MCLR EBLR 4,35,365 66.01 25% MCLR 1,67,055 25.33 Base Rate 1,793 0.27 Others* 55,323 8.39 Grand Total 6,59,536 100.00 EBLR 66% * Includes Fixed Rate loans, FCL, Loan against TDR, etc. 13 Business Performance External Rating-wise Distribution of Standard Corporate Advances Domestic Corporate Advances Above ₹ 50 Cr 31.03.26 30.06.26 86.53% 86.80% A & above A & above 3.34% 3.57% BBB BBB 30.06.25 30.06.26 1.38% 1.23% Below BBB Below BBB 8.75% 8.40% Unrated Unrated As of 30.06.26, Investment grade accounts form 90% of our Standard Corporate Advances portfolio 14 Business Performance Domestic Investments (Amt in ₹ Cr) 31.03.26 30.06.26 Particulars AFS HTM FVTPL SUB-JV Total AFS HTM FVTPL SUB-JV Total SLR Investments 20,469 1,71,048 17,146 - 2,08,663 23,808 1,77,901 6,860 - 2,08,569 - of which 20,469 1,71,048 17,146 - 2,08,663 23,808 1,77,901 6,860 - 2,08,569 Govt Securities Non SLR 9,110 26,599 6,693 3,638 46,040 10,075 26,554 6,718 3,661 47,009 Investments M Duration 2.45 - 4.52 - - 2.71 - 3.12 - - Total 29,579 1,97,647 23,839 3,638 2,54,703 33,882 2,04,455 13,578 3,661 2,55,578 15 Financial Performance Net-Interest Income (Global) (Amt in ₹ Cr) Particulars Q1 FY 26 Q4 FY 26 Q1 FY 27 YoY (%) Interest Income 18,352 19,476 19,949 8.70 a. Advances 12,792 14,055 14,358 12.24 b. Investments 4,624 4,461 4,532 -1.99 c. Money Market 936 960 1,059 13.14 Operations & Others Interest Expended 12,284 12,746 13,117 6.78 a. Deposits 9,826 10,593 11,046 12.42 b. Borrowings 1,954 1,485 1,454 -25.59 c. Subordinated Bonds 504 668 616 22.22 & Others 6,833 12.61 Net Interest Income 6,068 6,730 16 Financial Performance Non-Interest Income (Global) (Amt in ₹ Cr) Particulars Q1 FY 26 Q4 FY 26 Q1 FY 27 YoY (%) Commission, Exchange & 406 521 404 -0.50 Brokerage Cross Selling (Third Party 49 111 59 20.41 Commission) Profit from Sale and 820 67 414 -49.51 Revaluation of Investments Profit from Exchange 106 186 226 113.21 Transactions 609 89.13 Recovery in Written Off Accounts 322 1,606 Other Non Interest Income 463 719 867 87.26 Non-Interest Income 2,166 3,210 2,579 19.07 17 Financial Performance Operating Expenses (Global) (Amt in ₹ Cr) Particulars Q1 FY 26 Q4 FY 26 Q1 FY 27 YoY (%) 1. Staff Expenses 2,396 2,811 2,603 8.64 2. Overheads a. Rent, Taxes & Lighting 243 277 281 15.64 173 186 195 12.72 c. Printing & Stationery 23 29 25 8.70 d. Postage & Telecommunication 90 78 113 25.56 e. Repairs & Maintenance 26 28 27 3.85 f. Travelling Expenses 110 106 111 0.91 g. Insurance Expenses 255 254 171 -32.94 h. Misc Expenses & Others 909 1,144 835 -8.14 Total Operating Expenses 4,225 4,914 4,361 3.22 18 Financial Performance Operating Profit and Net Profit (Global) (Amt in ₹ Cr) Particulars Q1 FY 26 Q4 FY 26 Q1 FY 27 YoY (%) Operating Profit 4,009 5,026 5,051 25.99 Provisions for 1,104 1,211 1,144 3.62 - Bad & Doubtful (NPA) - Non Performing Investment - - -- - - Standard Assets & Others -8 -221 -181 -- 963 -12.13 Provisions before Tax 1,096 990 Profit before Tax (PBT) 2,913 4,036 4,088 40.34 Taxation 661 1,020 1,020 54.31 Net Profit 2,252 3,016 3,068 36.23 19 Financial Performance Key Financial Ratios (Global) Particulars Q1 FY 26 Q4 FY 26 Q1 FY 27 8.01 Yield on Advances (%) 7.59 7.46 6.98 Yield on Investments (%) 6.91 6.87 6.96 Yield on Funds (%) 6.87 6.77 4.85 Cost of Deposits (%) 4.73 4.69 4.66 Cost of Funds (%) 4.49 4.45 2.55 Net Interest Margin (NIM) (%) 2.58 2.52 51.31 Cost to Income Ratio (%) 49.44 46.33 80.66 Credit Deposit Ratio (%) 83.19 83.28 0.82 Return on Assets (%) 1.01 1.01 13.55 Return on Equity (%) 16.36 16.12 0.17 Credit Cost (%) 0.16 0.15 147.79 Book Value Per Share (Tangible) (₹) 165.35 168.97 151.50 Book Value Per Share (₹) 167.37 169.98 20 Asset Quality Asset Classification: Global Advances (Amt in ₹ Cr) 30.06.25 31.03.26 30.06.26 Particulars Outstanding Share (%) Outstanding Share (%) Outstanding Share (%) Standard 6,52,804 97.08 7,56,085 98.02 7,83,321 98.19 Advances Gross NPA 19,640 2.92 15,306 1.98 14,454 1.81 - Sub-Standard 4,220 0.63 4,420 0.57 4,454 0.56 - Doubtful 8,149 1.21 9,130 1.18 7,441 0.93 - Loss 7,271 1.08 1,756 0.23 2,559 0.32 Gross Advances 6,72,444 100.00 7,71,391 100.00 7,97,775 100.00 21 Asset Quality Movement of NPA (Global) (Amt in ₹ Cr) Segment Q1 FY 26 Q4 FY 26 Q1 FY 27 Opening Balance (Gross NPA) 21,749 16,714 15,306 + Fresh Slippage 2,080 1,269 1,778 + Debits in existing NPA accounts 69 98 53 Total Addition 2,149 1,367 1,831 - Cash Recovery 1,226 1,773 1,277 - Upgradation 573 88 392 - Written Off 2,459 914 1,014 Total Reduction 4,258 2,775 2,683 Closing Balance (Gross NPA) 19,640 15,306 14,454 Less: Provisions 14,690 11,056 10,435 Net NPA 4,950 4,250 4,019 Recovery in URI/UCI 329 519 272 Gross cash recovery 2,128 2,380 1,941 (Recovery + Upgradation) 22 Asset Quality Asset Quality Ratio (Global) (Amt in ₹ Cr) Gross Net Gross Net Provision Slippage Credit Cost NPA NPA NPA (%) NPA (%) Coverage (%) Ratio (%) (%) 30.06.25 19,640 4,950 2.92 0.75 92.94 0.33 0.17 31.03.26 15,306 4,250 1.98 0.56 93.57 0.18 0.16 30.06.26 14,454 4,019 1.81 0.51 93.83 0.24 0.15 Asset quality strengthened in Q1 FY27: Driven by lower Gross NPA, Net NPA alongside improved Provision Coverage. 23 Asset Quality Sector wise Classification of Gross NPA (Amt in ₹ Cr) Q1 FY 26 Q4 FY 26 Q1 FY 27 Sector Amount % of total Amount % of total Amount % of total Retail 1,645 8 1,345 9 1,507 10 Agriculture 8,936 46 7,167 47 6,417 45 MSME 6,563 33 5,288 35 5,488 38 Corporate 2,255 12 1,349 9 885 6 Total Domestic 19,399 99 15,149 99 14,297 99 Overseas 241 1 157 1 157 1 Total Global 19,640 100 15,306 100 14,454 100 24 Asset Quality SMA ₹ 5 Cr & above (Amt in ₹ Cr) 30.06.25 31.03.26 30.06.26 SMA Category Amount % to Std Adv Amount % to Std Adv Amount % to Std Adv SMA-0 1,878 0.29 1,601 0.21 675 0.09 SMA-1 645 0.10 2,709 0.36 2,844 0.36 SMA-2 4,498 0.69 403 0.05 578 0.07 Grand Total 7,021 1.08 4,713 0.62 4,097 0.52 30.06.25 30.06.26 Sector-wise SMA SMA-0 SMA-1 SMA-2 Total SMA-0 SMA-1 SMA-2 Total Agriculture 277 70 124 471 173 80 76 329 Retail 88 64 87 239 95 57 113 265 MSME 891 388 351 1,630 328 128 275 731 Corporate 622 123 3,936 4,681 79 2,579 114 2,772 Grand Total 1,878 645 4,498 7,021 675 2,844 578 4,097 Overall SMA reduced by ₹2,924 Cr during Q1 FY27 on YoY basis, with the SMA ratio declining from 1.08% to 0.52%, indicating an improvement in the portfolio 25 Asset Quality Sector wise break-up of Fresh Slippages (Amt in ₹ Cr) Q1 FY 26 Q4 FY 26 Q1 FY 27 Sector Amount % of total Amount % of total Amount % of total Retail 419 20 84 6 320 17 Agriculture 789 37 455 33 891 49 MSME 753 35 780 57 566 31 Corporate 139 6 25 2 54 3 Total Domestic 2,100 98 1,344 98 1,831 100 Overseas 49 2 23 2 0 0 Total Global 2,149 100 1,367 100 1,831 100 26 Asset Quality Resolution Framework - Standard Restructuring (Domestic) (Amt in ₹ Cr) Resolution Resolution One time % of Total Provision Framework 1.0 Framework 2.0 Restructuring Gross Advances Retail 232 2,519 - 2,751 220 MSME 135 588 240 963 8 0.47 Corporate & Others 21 - - 21 Total 388 3,107 240 3,735 228 The restructured portfolio is only 0.47% of Gross Advances. 27 Asset Quality Summary of NCLT Cases Domestic (Amt in ₹ Cr) Total Book Particulars No. of Accounts 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 admitted in NCLT by our Bank 74 5,561 4,701 85% Cases under admission in NCLT by our Bank 12 474 321 68% Cases filed and admitted in NCLT by other Bank 214 20,990 20,304 97% Cases under admission in NCLT by other Bank 3 171 151 88% Cases under ILFS Restructuring 5 1,628 1,491 92% Total 315 31,729 29,872 94% The bank maintains strong provisioning against NCLT accounts, with 94% coverage as on 30.06.26 28 Capital, Share Holding & Group Performance Capital Capital Adequacy (Amt in ₹ Cr) Regulatory Particulars 30.06.25 30.06.26 Particulars 30.06.25 30.06.26 Capital Capital Adequacy - Basel III Total RWA 4,57,350 4,93,354 CET-1 Capital 66,428 78,778 Credit RWA 3,87,751 4,25,809 Tier I Capital 69,280 80,278 Market RWA 17,980 13,332 Tier II Capital 10,250 11,930 Operational RWA 51,619 54,213 Total Capital (CRAR) 79,530 92,208 Capital Raising in FY 27 (AT1 & Tier Risk Weighted Assets (RWA) 4,57,350 4,93,354 II Bonds) CET-1 (%) including CCB 8.00% 14.52 15.97 Approved Tier I (%) 9.50% 15.15 16.27 Additional Tier-I: ₹ 2,500 crore Tier-II Bonds: ₹5,000 crore Tier II (%) 2.00% 2.24 2.42 Total: ₹7500 crore Capital Adequacy 11.50% 17.39 18.69 (to be raised in FY 27) Basel III (%) (incl CCB) 29 Capital & Share Holding Ratings and Shareholding Pattern Domestic Long Term Rating CRISIL Ltd. ICRA Ltd. India Ratings Indian AA+ AA+ AA+ Shareholding Shareholding public, Others, (Stable) (Stable) (Stable) Particulars (%) As on (%) As on 4.64% 14.15% 31.03.26 30.06.26 CARE ACUITE Informerics Ratings Ratings Government of India 73.38 73.38 AA+ AAA AAA LIC, Shareholding (Stable) (Stable) (Stable) Life Insurance Corp 8.10 7.83 7.83% Snapshot as on 30.06.2026 Indian Public 4.54 4.64 Domestic Short Term Rating Others 13.98 14.15 Government of India CARE CRISIL Ltd. Ratings Total 100.00 100.00 (Promoter), 73.38% A1+ A1+ Overseas Rating Fitch Ratings BBB-(Long)/F3 The bank continues to maintain strong domestic credit ratings of AAA / AA+across leading (Short) (Stable) rating agencies, supported by a majority Government shareholding of 73.38% 30 Overseas Performance Overseas Business Operations (Amt in ₹ Cr) Geography-wise Advances Composition (%) Parameters 30.06.25 31.03.26 30.06.26 31% Deposits 1,23,421 1,26,828 1,32,961 25% Advances 1,07,147 1,17,099 1,23,942 13% 10% 7% Business Mix 2,30,568 2,43,926 2,56,903 6% 2% 2% 2% 1% 1% Total Income 2,126 8,889 2,499 USA UK JAPAN GIFT SINGAPORE HONG BELGIUM DUBAI FRANCE KENYA VIETNAM CITY KONG Operating Profit 390 2,221 412 Net Profit 349 1,845 303 Advances by Segment (%) Gross NPA 241 157 157 Net NPA 67 58 43 Trade Finance 34% 38% Local Lending India-Linked 28% 31 Overseas Group Performance Overseas Subsidiaries and Associates Q1 FY 27 (Amt in ₹ Cr) Subsidiaries / Bank of India Bank of India Bank of India PT Bank of India Indo Zambia Associates (New Zealand) Ltd. (Tanzania) Ltd. (Uganda) Ltd. Indonesia, Tbk Bank Capital 256 78 387 1,889 217 Deposits 506 678 961 1,954 11,008 794 543 694 2,392 5,693 Advances 1,300 1,221 1,655 4,346 16,702 Business Mix Interest Income 13 20 39 55 423 5 9 27 19 227 Operating Profit Net Profit 3 8 18 15 154 Overseas subsidiaries and associates continued to contribute positively, with all entities reporting profits in Q1 FY 27 32 Domestic Group Performance Domestic Subsidiaries and Associates Q1 FY 27 (Amt in ₹ Cr) Net Worth Sr. No. Name of the Company Nature of Business % Holding (BOI Share) 01 BOI Merchant Bankers Ltd. Merchant Banking activities 25 100.00 02 BOI Services Ltd. Depository Participants & 41 100.00 Corporate BSA Activity for Bank of India Subsidiaries -Domestic 03 Bank of India Investment Managers Pvt. Ltd. Mutual Fund business 235 100.00 04 Bank of India Trustee Service Pvt. Ltd. Trustee Service to Mutual Fund Co. 1 100.00 05 STCI Finance Ltd NBFC 1,120 29.96 06 ASREC (India) Ltd. Asset Reconstruction Company 85 27.30 Associates -Domestic 07 Madhya Pradesh Grameen Bank Regional Rural Bank 1,036 35.00 08 Star Union Dai-Ichi Life Ins. Co. Ltd. Life Insurance Company 521 27.48 Joint Venture -Domestic The Bank's domestic investment portfolio comprises 8 entities across subsidiaries, associates and joint ventures, supporting a diversified financial services ecosystem 33 Branch Network Branch Network & Geographical Presence Branch Network 30.06.25 30.06.26 Domestic Branches 5,304 5,510  Metro 972 1022  Urban 856 913  Semi Urban 1,575 1,640  Rural 1,901 1,935 Overseas Branches 22 21 Digital Banking Units 2 2 Total Branches ATMs & CRAs Bank Correspondents Customer Touch 30.06.25 30.06.25 30.06.25 Points 30.06.25 5,328 7,986 23,676 36,990 30.06.26 30.06.26 30.06.26 30.06.26 5,533 7,685 24,845 38063 The Banks physical reach in Q1 FY27 is 5,534 branches and over 38,365 customer touchpoints across domestic and overseas locations 34 Overseas Overseas Network Categories No. of foreign offices Overseas branches (20) 20 Overseas subsidiaries (4) 23 Overseas Associates (1) 1 Representative Offices 1 IFSC Banking Unit (IBU)-GIFT City 1 Total No. of Foreign Offices 46 Note: Major Global Business Centers are US (New York), London, Paris, Antwerp, Dubai, Singapore, Hong Kong, New Zealand and Tokyo. Spread across 5 continents and 14 countries viz., USA, U.K., France, Belgium, Tanzania, Kenya, Uganda, Zambia, UAE., Indonesia, Singapore, Vietnam, New Zealand & Japan. Our Singapore Centre completed 75 years of its operations 35 Digital Banking Digital Initiatives Digital Lending Platform Digital Transformation • 52 products (34 Assisted + 18 Self-serve) 36 ML models in production across eight now live; e-Signing & e-Documentation business domains • (DDE) 215+ APIs are live in production with a further 150+ in user-acceptance and security testing • 126 fintechs empaneled & 14 processes newly automated through robotic process New DR Data Centre automation Bank has migrated to a new state-of-the- art disaster-recovery data centre Overseas Initiatives • Single Euro Payment Area (SEPA) made live for Paris branch operations StarSampark 2.0 • M-PESA mobile money services now available Next-gen CRM is being developed for 360- for Kenya Centre degree customer view with ML-driven insights across branch, mobile, web, & contact-center BOI Omni NEO Platform • Omni Corporate Internet Banking is live FX-Retail Platform • New Virtual Debit Card has been introduced Designed specifically for retail customers to offer Transparent and Competitive Forex Trading Centralised V-CIP Centre Banking Connect Centralized V-CIP centreis now operational for seamless account opening through the Interoperable payment system with simpler one- E-platform time integration for merchant transactions Driving digital innovation to deliver seamless banking experiences and operational excellence. 36 Digital Banking Digital Banking Alternative Delivery Channels (ADC) 3.84 crore + ADC Banking Volumes Q1 FY 27 Debit Growth Volume of Transactions (Nos. in Billion) Growth Valueof Transactions (₹Billion) Cards 139 lakh + 5,600 Mobile Banking 4,770 17% (Omni Neo) 2.08 22% 1.70 Internet ADC Footprint Banking 1.01 crore + as on 30.06.26 (Omni Neo) Q1 FY 26 Q1 FY 27 Q1 FY 26 Q1 FY 27 Digitally Generated Business (Q1 FY 27) Omni Platforms BOI CBDC App Savings/TDR Volume 1,14,382 69% growth Compared to ₹779 Cr 1.89 lakh + POS/ Savings/TDR Value ₹ 2,669 Cr in Q1 FY 26 QR Code Third-Party Product Sales Volume 86,024 38% growth (Insurance/MF/etc.) 14.81 lakh + 37 Digital Banking Major Products offered through Digital Platform Retail Loan MSME Loan Agriculture Loan Deposits KCC -Crop Loan / Star Home Loan MSME Renewal upto10.00 lakh Animal Husbandry Saving Accounts Top Up Loan MSME up to ₹750 lakh Krishi Vahan Vehicle Loan Current Accounts Mudra Sishu Education Loan Self Help Group Term Deposits Loan/OD Against Property Mudra Kishor Bhoomihin Kisan Card Pensioner Loan Recurring Deposits Mudra Tarun (Including Flexi RD) Personal Loan e-Smart Dairy Vehicle Express Loan Solar Roof Top Loan (up to 100 lakh) Harit Jama Yojana -Green Gold Loan Deposits Smart Home Loan Star Digibiz (up to 100 lakh) KisanTatkal Digital Lending Platform Total Digital Loan Sanction Retail Digital Sanction Value Agri Digital Sanction Value Adoption in RAM Segment ₹32,064 Cr (+36% YoY) ₹13,772 Cr (+34% YoY) ₹15,796 Cr (+24% YoY) Digital lending continued to expand across Retail, MSME and Agriculture, supported by strong growth in loan sanctions and digital documentation. 38 Digital Banking Cyber Security Governance Compliance & Achievements Cyber Governance and Compliance Detection Tools of ISO 27001:2022 Cyber Security Compliant to RBI CSF 2016 Mule Accounts Center of Excellence (CS-CoE) & IT GRC 2024 ISO 22301:2019 PCI DSS Certified MuleHunter.AI -Tool I4C - Data AMLOCK Tool NPCI Data Proactive Attack Extensive Cyber Awareness Centralized Cyber Threat Dept. of Telecom (DOT) - Data Surface Management Activities Intelligence Management Bank has initiated Bank has initiated Establishment of Preparationof Gap Assessment and Identification and AI assisted internal in-house Digital Forensic AI Enable Red teaming Unified Cyber Quantum safe policy devising of action plan inventorization of LLMs vulnerability Incident Response Lab as proactive security platform and framework for for AI Generated cyber hosted in Bank assessment (DFIR Lab) measure Bank attack (e.g. Mythos) 39 Digital Banking Performance of Analytics based Leads (as on 30.06.26) (Amt in ₹ Cr) Sanctioned Limit Home Loan MSME ₹5,587 Cr Limit Enhancement 31% ₹4,124 Cr 22.9% 11,521 Total 3,220 ₹18,034 MSMECCOD crore PersonalLoan & TL ₹3,005 Cr ₹2,617 Cr 16.7% 3,368 14.5% 3,618 Vehicle Loan 3,433 2,895 ₹2,670 Cr 2,720 14.8% 2,895 1,500 898 FY24-25 FY25-26 FY26-27 Q1 Q2 Q3 Q4 Converted 1,09,524 leads having sanction limit of *FY24-25 covers Q3 & Q4; FY26-27 covers Q1 ₹18,034 Cr across 5 modelsas on 30.06.26. 40 Financial Inclusion Inclusive Growth Financial Inclusion Numbers in lakhs PMJDY PMSBY PMJJBY APY 137 45 298 309 124 Key Highlights 290 41 288 BC/BCAs: 24,845 Banking services points: 54 RSETI: 44 43 RSETI by Ministry of Rural Development. 30.06.25 30.06.26 30.06.25 30.06.26 30.06.25 30.06.26 30.06.25 30.06.26 41 Human Resources Manpower No. of Centralized Units and Staff 30.06.26 Human Resource and Business Ratios Central Processing Unit No. of Units No. of Officers Posted Parameter As on 30.06.26 Zonal Centralized 69 411 Total No. of Employees 52,366 Operations Dept. Female Employees 15,824 SME City Centre & 133 1023 SME Urban Centre Male Employees 36,542 Retail Business center 144 962 Business Per Employee 3,353 Star Krishi Vikas Kendra 165 562 (₹ lakhs) (2,948 as on 30.06.25) Foreign Exchange 1 89 Back Office Profit Per Employee 23.43 (₹ lakhs) (17.63 as on 30.06.25) Transaction Monitoring 1 79 & KYC AML Department Optimal Use of Talent. Delivering Performance. Creating Value | Empowered teams. Efficient structure. Stronger tomorrow. 42 Human Resources People Initiatives Project StarLIGHT Manpower Composition Manpower Numbers Position Officer 29,666 Award Staff 22,700 Total 52,366 Staff New Features added during Q1 FY 27 Numbers Average Age SocialRecognition Platform Business-LinkedTraining Performance Analytics <30 8,359 A digital space where staff Aligning training directly Dashboards translating publicly celebrate wins, with goals so business data into real- time, actionable insights fostering a culture of learning directly improves > 30 to 40 29,476 everyday appreciation and job performance and drives for frontline staff visibility businessresults > 40 to <50 8,160 Selective Impact Metric 50 Lakh+ page hits on the Digital HR platform 120%+ improvement in "Developing (StarLIGHT) in ~24 months since launch employees for emerging banking priorities" 43 Human Resources Learning & Development Initiatives Operational Risk and Acquisition of new Resilience for top Learning Management executives of the Bank System (LMS) Inclusive Service training Advanced Leadership for for front line staff: regional Women Executives language, sign language etc. AGM & Above Cross Institution / Bank GEN AI Use Cases and Training to progress from Digital Products Bank-wide Inclusivity: Disability Awareness Sensitisation E-learning for All Employees 44 ESG Environmental, Social & Governance (ESG) Updates Q1 FY 27 Environmental Social Governance Inclusive Growth Investing back in communities Bank continue to maintain CareEdge ESG-1 Rating, Well defined corporate Accessiblebankingtotheunbanked 2.98Cr we serve whileimprovingcompositescoreto76.4. + PMJDY accounts so far; Cumulative balance: governancepolicies. Impact:Bank has completedimpactassessmentofits ₹17,000 Cr+ 50% CSR Spending towards Whistle blower policy green finances. Cumulatively Bank has abated 0.78 Over21lakhfarmerssupportedthroughKCC Health&FamilyWelfare. enhancing transparency. Million Metric Tones of Co2 through advances in TotalbeneficiariesunderPMSvanidhischeme Over 4.42 lakh individuals A culture of integrity & honesty greensector. stands at 7.91 lakh small vendors; Total trainedthroughRSETIsinFY26. is nurtured through strong sanctionlimit:₹1,200Cr GreenFinanceexposurehascrossed₹14,000Crswith ethicalcodes. renewable share at 72% and that of Prevention of sexual harassment WomenEmpowerment Diversity sustainablewater&wastemanagementat19%. ofwomenatworkplacepolicy. In Q1 FY 27, Bank has garnered ₹917 crore of green Financed over 3.57 lakh women Women constitute 30% of deposits; Cumulative green deposits are at ₹1,880 SHGgroups. workforce. Well defined business continuity plan for seamless transition crore. 37% of our total 47 lakh MUDRA 2.6% of staff comprises inunexpectedcircumstances. account beneficiaries are women. In 32 sites of the Bank have been installed with solar ofdifferentlyabledpersons. total, 25% of our MSME advances have Strong priority on cyber security panels. All three head office building are certified beenavailedbywomenborrowers. 71ofemployeesarefromsports &fraudriskmanagement. Green buildings and utilize 100% green energy to fraternity who excel in various function. Over 2 lakh man hours of training National and International to employees in various events. bankingaspects. 45 Customer Service Customer Service Excellence CRM Next Initiatives for Customer CRM Next End-to-End Complaint & Grievances Redressal Service Excellence Mechanism Customer Excellence Branch Banking Various Level Intake Department (CEEB) For better customer Redressal Digital platform, Email, Social Media, Internet & and coordination with all level including DFS , CEBB Mobile banking, department was formed to provide 360- degree solution to end-to-end customer service . Regulatory Channel Star Sampark Smooth workflow for Banking Ombudsman, A Digital platform was formed for better customer CPGRAMS etc. Redressal on real-time basis. Automate Flow Escalation Matrix Immediate acknowledgement With Tracker ID for Five level automated escalation System future reference for resolution and also generated to ensure timely resolution. alert through SMS or Email. 46 Products and Services a BOI Ili Boo( ;FCNR EMS 5.0 SUPER YIELD — CittIOPE TH#IIGWT LOOM FCIFP Y.PUR xFE Ps FINaNCIALSUPPVIIHEN(cid:9) Ili • .. — 1t0, Smarter WCIli TO Grin.... ',our 1.15::; Deposits YOURBUSINESSNEEDSTiMOST • - liArl • it XCILes I(cid:9) desi gimet1 for NRis & PION aNE LOW E I DAN II(cid:9) Fl:rifQ ATI 0 M 1.00i P.4.11_4.571 1.4..04; VtirT• r10111 ;IQ rttam 110271 'til.S<ILIV; 1 OttlatalLiSail 024 3 711. 6.85 I IriaNCL LL311.1 !eysibilotalatIlaiit 0 1351:10 Lnkmr 0 C =1.-F11.11Ernody unwererrtlotinVIA gelr•Thr. ;Yak., F ... I . B 1. M 1.1 Il . a ... k i. . C ... h .. ia 'Mgt 94itieklITIMPLWE&Pl Impr-pm. rvr Irml •M)113; . rb upp; Lin 5.15. .1.9P.A....rwhrmal WM IWO WI: LN Ilan PSMILale; %war; Vidid:1121111.1biall ralprro..ARHYlat; iriokaw 0 TWO Fhp.aa 4:11 r _expoithernarr Pip.. • PR Warm memak.nyouiall On' iitknertition makraiair, ;;Itiripm D.* ...is Proem rig I m.h.m.11 •; 145. ergbTainti(cid:9) Glinps Doposil tenure° ; ; hrowca .4314. apearneri goon wig raker...! ;41 Crum r::!j:1' 3- 6 iyear; Lock- in period of(cid:9) I months inLaPttolitii104-1191ttatulS1{oc3olilliMPL 4aIrrerst In USOWItioul 1lee P*110 ranq terrnhahtlitia. rrilo(cid:9) MIIIM.;;;QTDD6(cid:9) 41st riLlps'fitcmloallriclo =tin/ I Maw us an 0110011 li=11 11. ImEmml•11.•=mbi.411.11. Your limey Grows. lop '04.-r;11w*Erp. krtlue !NW NMI twftrrilm Amliallis future lows. 1Why be on EntrVprenrUr JJk when you can be 13 r e Udyami lanlaNdria WI1 ei1ro4 OF !NOW Vanua ; luprER Emu Imam limlalms MISIgidilla. Fa I Cu fdi swam Prormikrr. IMO-20.110 haphrwmluishrroem. • 1 m 1 a .• n • • a (cid:9) nsuas.48 Lnd.:n • .11.P. • 1 . ...••=L ;1 k 0 s 1 m 110 t 0 ri . i 1 m pd l • n w .l e . r s p o a m llk r u . 14r4 r m e u a l l (cid:9) ign I 16.11511E I l 3 v (. n 6 L ,3 d 1 13151* ilm N r e k r - b I, to F v 1 a .1; c w ia a . rt • Chrlamo awn. A. re.. nmalmh P.m= a 101.1.1.11.1•S 1.••J• PIM J• MINIM ilMOMORI ; rwrlygrlwwirrprlrrrhnl glorn.p.mr F. I• SW,(cid:9) CLL10 Let s hickn• Tour artoomsuAgorty -430.131; Emit of 11012 Bank htlia " 1.1.1:1•..T 6.W.01 JJJJJJJ harli7y1 youraaaAlanagh.billikat(cid:9) gai4-kair t(cid:9) 11, 1.14.11.1•n.n WET! I im(cid:9) ••••• al• iniaM D. ii1EK4.10.(cid:9) ,..JT 47 (cid:9)(cid:9) Awards & Accolades A TESTAMENT TO TRANSPARENCY & INNOVATION Bank Of India awarded the BAANKMT Excellence in Price Discovery Award FY 2025-26 .... ' . . e 314:101 A V LE i c p iP B L9 A Lt N am K , ,I D N a G ym I r N m K ..(cid:9) : NATION , - . = ''. (cid:9) (cid:9) ' 4 '.. F'' -" 9 ;g k n O C D u I t : J re C m f I y l E S S ai I t O lai A i r V o O --- ; 4 • '1!:": ."- 4 . de :$c ••• (cid:9) •• . . i, - v (cid:9) '(cid:9) Acn,k1 \ (cid:9) '(cid:9) '.•••4•... • ih.(cid:9) Bank of India wins the BANK OF INDIA - KENYA CENTRE W1NS 4 HONOURS ET Rising Star of the Year Aw • AT THE MINK BUSINESS BANKING AWARDS 2026 * *** * •• • Ronk of India wins the Excellence in Professional Banking Certifications award at RecognIsect of Ttin Economic 'limes Enterprise Security Awords 2026 for our commitment to cyberescurity excellence lord digital trust. the IMF LiSED readership Meet 2025. 48 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 eventsor circumstances afterthe datethereof. 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. 49 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