Bank of India – Investor Presentation Summary

Key Operational Highlights

  • Global business crossed ₹17.50 lakh crore with 16.57% YoY growth
  • Domestic CASA amount stood at ₹3,02,085 crore with CASA ratio of 36.68% as of 30.06.2026
  • Total retail loans grew 21% YoY to ₹1,66,170 crore
  • Home loans increased 17% YoY to ₹81,213 crore
  • Vehicle loans grew 20% YoY to ₹25,296 crore
  • Mortgage loans showed strong growth of 51% YoY to ₹16,280 crore
  • RAM portfolio contribution to Gross Domestic Advances increased year-on-year

Segment-wise Performance

  • Retail segment: ₹1,66,170 crore advances (21% YoY growth)
  • Agriculture segment: ₹1,06,986 crore advances (47.11% of ANBC)
  • MSME segment: Not specified in quantitative terms
  • Corporate segment: Not specified in quantitative terms
  • Infrastructure sector: ₹54,967 crore outstanding
  • NBFC portfolio: ₹80,900 crore outstanding

Financial Highlights

Q1 FY27 Performance (Global):

  • Net Interest Income: ₹6,833 crore (12.61% YoY growth)
  • Non-Interest Income: ₹2,579 crore (19.07% YoY growth)
  • Operating Profit: Not explicitly stated
  • Net Profit: ₹3,068 crore (36% YoY growth from ₹2,252 crore)
  • Yield on Advances: 7.46%
  • Yield on Investments: 6.87%
  • Cost of Deposits: 4.69%
  • Cost of Funds: 4.45%
  • Net Interest Margin (NIM): 2.52%
  • Cost to Income Ratio: 46.33%
  • Return on Assets: 1.01%
  • Return on Equity: 16.12%
  • Credit Cost: 0.15%
  • Book Value Per Share (Tangible): ₹168.97
  • Book Value Per Share: ₹169.98

Revenue Breakdown:

  • Interest Earned: ₹18,949 crore (Advances: ₹14,358 crore, Investments: ₹4,532 crore)
  • Interest Expended: ₹13,117 crore (Deposits: ₹11,046 crore, Borrowings: ₹1,454 crore)

Non-Interest Income Components:

  • Commission, Exchange & Brokerage: ₹404 crore
  • Cross Selling (Third Party Commission): ₹59 crore
  • Profit from Sale and Revaluation of Investments: ₹414 crore
  • Profit from Exchange Transactions: ₹226 crore
  • Recovery in Written Off Accounts: ₹609 crore
  • Other Non Interest Income: ₹867 crore

Geographical Revenue Split

Domestic vs Overseas Business:

  • Domestic Deposits: Not explicitly split
  • Overseas Deposits: ₹1,32,961 crore
  • Domestic Advances: Not explicitly split
  • Overseas Advances: ₹1,23,942 crore
  • Overseas Business Mix: ₹2,56,903 crore
  • Overseas Total Income: ₹2,499 crore
  • Overseas Operating Profit: ₹412 crore
  • Overseas Net Profit: ₹303 crore

Balance Sheet Snapshot

Capital Adequacy (Basel III as of 30.06.2026):

  • CET-1 Capital: ₹78,778 crore (15.97% including CCB)
  • Tier I Capital: ₹80,278 crore (16.27%)
  • Tier II Capital: ₹11,930 crore (2.42%)
  • Total Capital (CRAR): ₹92,208 crore (18.69% including CCB)
  • Risk Weighted Assets (RWA): ₹4,93,354 crore
  • Credit RWA: ₹4,25,809 crore
  • Market RWA: ₹13,332 crore
  • Operational RWA: ₹54,213 crore

Capital Raising Plan:

  • Additional Tier-I: ₹2,500 crore
  • Tier-II Bonds: ₹5,000 crore
  • Total FY27 Capital Raising Approved: ₹7,500 crore

Capex & Cash Flow Health

  • Capital Expenditure: Not specified
  • Free Cash Flow: Not specified
  • Operating Cash Flow: Not specified
  • Net Debt Movement: Not specified

Asset Quality

Global Advances Asset Classification (30.06.2026):

  • Standard Advances: ₹7,83,321 crore (98.19% share)
  • Gross NPA: ₹14,454 crore (1.81% share)
  • Sub-Standard: ₹4,454 crore (0.56%)
  • Doubtful: ₹7,441 crore (0.93%)
  • Loss: ₹2,559 crore (0.32%)
  • Net NPA: ₹4,019 crore
  • Provision Coverage: Strong (exact percentage not specified)

NPA Movement Q1 FY27:

  • Total Addition: ₹1,831 crore
  • Cash Recovery: ₹1,277 crore
  • Upgradation: ₹392 crore
  • Written Off: ₹1,014 crore
  • Total Reduction: ₹2,683 crore
  • Recovery in Written Off Accounts: ₹609 crore

Sector-wise Gross NPA (Q1 FY27):

  • Retail: ₹1,507 crore (10% of total)
  • Agriculture: ₹6,417 crore (45% of total)
  • MSME: ₹5,488 crore (38% of total)
  • Corporate: ₹885 crore (6% of total)
  • Overseas: ₹157 crore (1% of total)

SMA Portfolio (30.06.2026):

  • SMA-0: ₹675 crore (0.09% of Standard Advances)
  • SMA-1: ₹2,844 crore (0.36% of Standard Advances)
  • SMA-2: ₹578 crore (0.07% of Standard Advances)
  • Grand Total: ₹4,097 crore (0.52% of Standard Advances)

Restructured Portfolio:

  • Total Standard Restructuring: ₹3,735 crore (0.47% of Gross Advances)
  • Provision against restructured portfolio: ₹228 crore

Digital Initiatives & Transformation

  • 52 digital lending products live (34 Assisted + 18 Self-serve)
  • 36 ML models in production across eight business domains
  • 215+ APIs live in production with 150+ in testing
  • 126 fintechs empaneled
  • 14 processes automated through robotic process automation
  • New DR data center operational
  • StarSampark 2.0 CRM under development
  • Centralized V-CIP centre operational
  • Digital lending converted 1,09,524 leads with sanction limit of ₹18,034 crore

Strategic & R&D Initiatives

Overseas Initiatives:

  • Single Euro Payment Area (SEPA) live for Paris branch
  • M-PESA mobile money services available for Kenya Centre
  • BOI Omni NEO Platform live
  • FX-Retail Platform with new Virtual Debit Card introduced

ESG Initiatives:

  • Maintained CareEdge ESG-1 Rating with composite score of 76.4
  • Green finance exposure crossed ₹14,000 crore (72% renewable, 19% sustainable water & waste management)
  • Green deposits: ₹917 crore in Q1 FY27, cumulative ₹1,880 crore
  • 32 sites with solar panels, all head offices use 100% green energy
  • Cumulative CO2 abatement: 0.78 Million Metric Tons through green sector advances

Human Resources

  • Total Employees: 52,366
  • Female Employees: 15,824 (30% of workforce)
  • Male Employees: 36,542
  • Business Per Employee: ₹3,353 lakhs
  • Profit Per Employee: ₹23.43 lakhs
  • Staff Average Age: Majority between 30-40 years (29,476 employees)

Branch Network & Presence

Domestic Network (30.06.2026):

  • Total Domestic Branches: 5,510
  • Metro: 1,022 branches
  • Urban: 913 branches
  • Semi Urban: 1,640 branches
  • Rural: 1,935 branches

Overseas Network:

  • Overseas Branches: 21
  • Overseas Subsidiaries: 4 with 23 offices
  • Overseas Associates: 1 with 1 office
  • Representative Offices: 1
  • IFSC Banking Unit (IBU)-GIFT City: 1
  • Total Foreign Offices: 46 across 14 countries and 5 continents

Subsidiaries & Associates Performance

Overseas Subsidiaries Q1 FY27:

  • Bank of India (New Zealand) Ltd.: Net Profit ₹3 crore
  • Bank of India (Tanzania) Ltd.: Net Profit ₹8 crore
  • Bank of India (Uganda) Ltd.: Net Profit ₹18 crore
  • PT Bank of India Indonesia, Tbk: Net Profit ₹15 crore
  • Indo Zambia Bank: Net Profit ₹154 crore

Domestic Subsidiaries & Associates:

  • BOI Merchant Bankers Ltd.: Merchant Banking activities
  • BOI Services Ltd.: Depository Participants & Corporate BSA Activity
  • Bank of India Investment Managers Pvt. Ltd.: Mutual Fund business
  • STCI Finance Ltd: NBFC (29.96% stake)
  • ASREC (India) Ltd.: Asset Reconstruction Company (27.30% stake)
  • Madhya Pradesh Grameen Bank: Regional Rural Bank (35.00% stake)
  • Star Union Dai-Ichi Life Ins. Co. Ltd.: Life Insurance Company (27.48% stake)

Customer Service & Awards

  • CRM Next platform for end-to-end complaint redressal
  • Customer Excellence Branch Banking Department (CEEB) established
  • Bank awarded BAANKMT Excellence in Price Discovery Award FY 2025-26
  • ET Rising Star of the Year Award
  • Economic Times Enterprise Security Awards 2026 for cybersecurity excellence
  • Excellence in Professional Banking Certifications award at IMF LiSED readership Meet 2025

Key Risks

Not explicitly disclosed in the presentation

Management Commentary & Growth Outlook

Strategic outlook not explicitly quoted in the presentation. The bank focuses on strengthening RAM portfolio, digital transformation, and maintaining asset quality while expanding overseas operations.