Slides
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Performance Analysis Q2FY27
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Key Highlights 2
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Key Performance DriversBusiness Details (INR crore) Sep 30, 2025 Sep 30, 2026 YOY (%) Domestic Deposits 12,71,992 14,83,521 16.6 International Deposits 2,28,020 2,61,915 14.9 Global Deposits 15,00,012 17,45,435 16.4 Retail Advances (Organic) 2,73,116 3,24,040 18.6 Domestic Gross Advances 10,46,506 11,87,944 13.5 International Advances 2,32,341 3,24,504 39.7 Global Advances 12,78,847 15,12,448 18.3 Total Business 27,78,859 32,57,883 17.2 Key Highlights 2.96 2.77 2.74 2.89 2.76 Q2FY26 Q1FY27 Q2FY27 FY26 H1FY27 Net Interest Margin (%) 4,809 1,278 6,532 20,021 7,810 Q2FY26 Q1FY27 Q2FY27 FY26 H1FY27 Net Profit (INR crore) 1.07 0.25 1.26 1.06 0.75 Q2FY26 Q1FY27 Q2FY27 FY26 H1FY27 Return on Assets (%) 3#Calculated on Avg. Networth Financial Performance (INR crore) Q2FY26 Q2FY27 YoY (%) H1FY26 H1FY27 YOY(%) Net Interest Income 11,954 13,026 9.0 23,388 25,551 9.2 Non-Interest Income 3,515 6,881 95.8 8,189 10,351 26.4 Operating Profit 7,576 11,430 50.9 15,812 19,557 23.7 Net Profit 4,809 6,532 35.8 9,351 7,810 -16.5 GNPA Ratio (%) 2.16 1.78 (38 bps) 2.16 1.78 (38 bps) NNPA Ratio (%) 0.57 0.37 (20 bps) 0.57 0.37 (20 bps) Capital Adequacy Ratio 16.54 16.61 7 bps 16.54 16.61 7 bps 15.65 3.89 19.28 16.30 11.63 Q2FY26 Q1FY27 Q2FY27 FY26 H1FY27 Return on Equity (%) #
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4 Financial Performance
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5 Key Ratios 2.96% 2.77% 2.74% 2.89% 2.76% Q2FY26 Q1FY27 Q2FY27 FY26 H1FY27 3.10% 2.93% 2.89% 3.04% 2.91% Q2FY26 Q1FY27 Q2FY27 FY26 H1FY27 1.81% 1.69% 1.49% 1.74% 1.58% Q2FY26 Q1FY27 Q2FY27 FY26 H1FY27 Domestic International Global Net Interest Margin 7.81% 7.37% 7.41% 7.71% 7.39% Q2FY26 Q1FY27 Q2FY27 FY26 H1FY27 8.31% 7.91% 8.03% 8.24% 7.97% Q2FY26 Q1FY27 Q2FY27 FY26 H1FY27 5.52% 5.02% 5.09% 5.34% 5.06% Q2FY26 Q1FY27 Q2FY27 FY26 H1FY27 Domestic International Global Yield on Advances 4.91% 4.66% 4.71% 4.87% 4.68% Q2FY26 Q1FY27 Q2FY27 FY26 H1FY27 5.07% 4.86% 4.91% 5.07% 4.88% Q2FY26 Q1FY27 Q2FY27 FY26 H1FY27 3.96% 3.45% 3.57% 3.70% 3.51% Q2FY26 Q1FY27 Q2FY27 FY26 H1FY27 Domestic International Global Cost of Deposits
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6 Operating Performance Particulars (INR crore) Q2 FY26 Q1 FY27 Q2 FY27 YOY (%) H1 FY26 H1 FY27 YOY (%) Interest on advances 23,505 25,524 26,754 13.8 47,141 52,278 10.9 Interest on investments 6,376 6,556 7,273 14.1 12,697 13,830 8.9 Other Interest income 1,630 1,131 1,057 -35.1 2,765 2,188 -20.9 Total Interest Income 31,511 33,211 35,085 11.3 62,602 68,296 9.1 Interest on Deposits 17,313 18,273 19,544 12.9 34,953 37,818 8.2 Interest on borrowings 1,360 1,413 1,444 6.2 2,476 2,857 15.4 Other Interest paid 884 1,000 1,070 21.0 1,785 2,070 16.0 Total Interest Expenses 19,557 20,686 22,059 12.8 39,214 42,745 9.0 Net Interest Income (NII) 11,954 12,524 13,026 9.0 23,388 25,551 9.2 Fee based Income 1,790 1,291 1,637 -8.5 3,412 2,928 -14.2 Treasury Income 1,086 893 4,093 -- 3,311 4,986 50.6 Other Non-Interest Income 639 1,286 1,151 80.1 1,466 2,437 66.2 Non- Interest Income 3,515 3,470 6,881 95.8 8,189 10,351 26.4 Operating Income 15,469 15,995 19,907 28.7 31,578 35,902 13.7 Operating Expenses 7,893 7,868 8,477 7.4 15,765 16,345 3.7 Operating Profit 7,576 8,127 11,430 50.9 15,812 19,557 23.7 Cost to Income Ratio (%) 51.02 49.19 42.58 (844 bps) 49.93 45.53 (440 bps)
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7 Non-Interest Income Particulars (INR crore) Q2 FY26 Q1 FY27 Q2 FY27 YOY (%) H1 FY26 H1 FY27 YOY (%) Commission, Exchange, Brokerage 807 392 756 -6.3 1,545 1,148 -25.7 Incidental Charges 336 296 245 -27.1 685 541 -21.0 Forex Income 49 54 60 21.5 96 113 17.9 Other Miscellaneous Income 598 549 577 -3.5 1,086 1,126 3.7 Fee based Income 1,790 1,291 1,637 -8.5 3,412 2,928 -14.2 Trading Gains – Profit from Sale of Investments 654 275 1,824 -- 2,669 2,099 -21.4 Revaluation of Investment 178 364 1907 -- 41 2,271 -- Profit on Exchange Transactions 254 254 362 42.5 601 616 2.5 Treasury Income 1,086 893 4,093 -- 3,311 4,986 50.6 Dividend Income 146 0 246 68.5 339 246 -27.4 Recovery from TWO 493 1,006 729 47.9 1,127 1,735 53.9 Other Income 0 280 176 -- 0 456 -- Other Non-Interest Income 639 1,286 1,151 80.1 1,466 2,437 66.2 Total Non-Interest Income 3,515 3,470 6,881 95.8 8,189 10,351 26.4
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8 Operating Expenses Particulars (INR crore) Q2 FY26 Q1 FY27 Q2 FY27 YOY (%) H1 FY26 H1 FY27 YOY (%) Employee Cost 4,061 4,247 4,583 12.8 8,368 8,830 5.5 of which: Salaries 3,299 3,568 3,698 12.1 6,618 7,265 9.8 Provisions for employees 762 679 885 16.1 1,750 1,564 -10.6 Other Operating Expenses 3,832 3,621 3,894 1.6 7,397 7,515 1.6 of which : Rent, Taxes and Lighting 511 433 551 7.9 926 984 6.3 Printing and Stationery 52 44 53 2.7 94 98 3.9 Depreciation 468 402 508 8.6 938 910 -3.0 Law charges 220 242 91 -58.6 359 333 -7.2 Repairs and Maintenance 318 364 423 32.9 707 787 11.3 Insurance 587 456 419 -28.6 1,134 875 -22.8 Other Expenditure 1,677 1,679 1,849 10.3 3,239 3,528 8.9 Operating Expenses 7,893 7,868 8,477 7.4 15,765 16,345 3.7
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9 Profit Position Particulars (INR crore) Q2 FY26 Q1 FY27 Q2 FY27 YOY (%) H1 FY26 H1 FY27 YOY (%) Operating Profit 7,576 8,127 11,430 50.9 15,812 19,557 23.7 Total Provisions 1,232 6,323 2,382 93.3 3,199 8,705 -- of which: Provision for NPA & Bad Debts Written-off 883 1,043 1,935 -- 2,569 2,978 15.9 Provision for Non-Performing Investment -171 -106 -381 -- -256 -488 -- Provision for Standard Advances 506 -283 424 -16.1 830 141 -83.0 Other Provisions 14 5,670 403 -- 57 6,073 -- Profit before Tax 6,343 1,804 9,048 42.6 12,613 10,852 -14.0 Tax Provisions 1,534 526 2,517 64.1 3,262 3,042 -6.7 Net Profit 4,809 1,278 6,532 35.8 9,351 7,810 -16.5
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10 Business Performance
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11 Deposits Savings Deposits 30% Current Deposits 6% Term Deposits 64% % share in Domestic Deposits in Sep’26Particulars (INR crore) Sep’25 Sep’26 YOY (%) Jun’26 Sep’26 QOQ (%) Domestic CASA Deposits 4,88,660 5,39,515 10.4 5,21,149 5,39,515 3.5 Domestic Saving Deposits 4,08,348 4,47,428 9.6 4,38,643 4,47,428 2.0 Domestic Current Deposits 80,312 92,086 14.7 82,506 92,086 11.6 Term Deposits 7,83,332 9,44,006 20.5 8,60,385 9,44,006 9.7 Retail Term Deposits 5,07,074 5,45,470 7.6 5,29,822 5,45,470 3.0 FCNR (B) Deposits 17,870 1,02,562# -- 29,090 1,02,562# -- Bulk Deposits (including CD)^ 2,58,388 2,95,974 14.5 3,01,473 2,95,974 -1.8 Domestic Deposits 12,71,992 14,83,521 16.6 13,81,534 14,83,521 7.4 International Deposits 2,28,020 2,61,915 14.9 2,52,024 2,61,915 3.9 Total Deposits 15,00,012 17,45,435 16.4 16,33,558 17,45,435 6.8 Domestic CASA(%) 38.42% 36.37% (205 bps) 37.72% 36.37% (135 bps) Savings Deposits 32% Current Deposits 6% Term Deposits 62% % share in Domestic Deposits in Sep’25 ^Domestic deposits of INR 3 crore and above considered as Bulk deposits # Out of which BOB Legend FCNR (B) Deposits – INR 77,270 crore
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12 Particulars (INR crore) Sep’25 Sep’26 YOY (%) Jun’26 Sep’26 QOQ (%) Retail* 2,73,116 3,24,040 18.6 3,09,674 3,24,040 4.6 Home Loans* 1,38,917 1,59,255 14.6 1,53,285 1,59,255 3.9 Auto Loans* 49,559 63,324 27.8 59,436 63,324 6.5 Mortgages Loans* 23,771 28,594 20.3 26,950 28,594 6.1 Education Loans 12,099 13,302 9.9 12,754 13,302 4.3 Personal Loans* 38,039 40,625 6.8 39,431 40,625 3.0 Gold Loans* 8,219 13,693 66.6 13,536 13,693 1.2 Others 2,512 5,247 -- 4,282 5,247 22.5 Agriculture 1,69,703 2,01,946 19.0 1,91,989 2,01,946 5.2 Gold Loans 67,158 91,609 36.4 84,412 91,609 8.5 MSME* 1,44,401 1,75,207 21.3 1,63,264 1,75,207 7.3 Corporate 4,00,682 4,25,736 6.3 4,27,082 4,25,736 -0.3 Others 58,603 61,015 4.1 58,896 61,015 3.6 Gross Domestic Advances 10,46,506 11,87,944 13.5 11,50,906 11,87,944 3.2 International Gross Advances# 2,32,341 3,24,504 39.7 2,65,992 3,24,504 22.0 Global Gross Advances 12,78,847 15,12,448 18.3 14,16,898 15,12,448 6.7 Advances % share in Gross Domestic Credit in Sep’26 % share in Gross Domestic Credit in Sep’25 Corporate 35.8% MSME 15.2% Retail^ 32.0% Agriculture 17.0% ^ Retail including Pool, Staff, LABOD & Others *ex-pool purchase. Retail including pool stands at INR 3,39,866 crore. MSME including pool at INR 1,80,034 crore as on 30 Sep 2026 # Includes self-leverage on BOB Legend FCNR (B) deposits of amount INR 60,527 crore Corporate 38.3% MSME 14.3% Retail^ 31.2% Agriculture 16.2% RAM – 64.2% RAM – 61.7%
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13 *External Rating Distribution of Domestic Advances above INR 50 Crore Particulars (INR crore) Sep’25 Sep’26 Outstanding Share (%) Outstanding Share (%) Infrastructure of which 1,14,408 10.9 1,06,696 9.0 1. Power 63,549 6.1 73,241 6.2 2. Telecom 6,442 0.6 4,760 0.4 3. Roads & Ports 34,384 3.3 16,163 1.4 4. Other Infrastructure 10,032 1.0 12,533 1.1 Basic Metals & Metal Industry 23,308 2.2 19,672 1.7 of which Iron & Steel 14,780 1.4 14,718 1.2 Textiles 15,099 1.4 16,851 1.4 Petroleum 6,822 0.7 8,252 0.7 All Engineering 8,091 0.8 14,340 1.2 Food Processing 14,037 1.3 18,515 1.6 Chemicals and Chemical Products 13,020 1.2 12,334 1.0 NBFC 1,30,140 12.4 1,50,092 12.6 Other Industries / Sectors 2,59,610 24.8 2,99,379 25.2 Retail Loans 2,92,269 27.9 3,39,866 28.6 Agriculture 1,69,703 16.2 2,01,946 17.0 Gross Domestic Advances 10,46,506 100.0 11,87,944 100.0 Industry-wise Outstanding Rating Profile 2% 1% 3% 2% 95% 97% Sep'25 Sep'26 A & Above BBB Below BBB
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14 Segment wise breakup & Ratings of NBFC Standard Outstanding Domestic Advances Rating Profile of NBFCs Standard Outstanding (Domestic Advances) Particulars Jun’26 Sep’26 Outstanding (INR crore) % Share Outstanding (INR crore) % Share AAA 1,07,917 71.25 1,04,983 69.94 AA 38,151 25.19 39,620 26.40 A 4,911 3.24 4,978 3.32 BBB 427 0.28 475 0.32 BB & below 60 0.04 36 0.02 Total 1,51,466 100.00 1,50,092 100.00 31% 29% 13% 14% 43% 44% 13% 13% Jun'26 Sep'26 Pvt others Backed by Large Private Institutions Backed by PSUs Central & State PSUs NBFC Portfolio by Ownership
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15 Treasury Operations Yield on Investment Particulars Sep’25 Jun’26 Sep’26 Domestic 6.84% 6.91% 6.97% International 4.73% 4.36% 4.35% Global 6.77% 6.82% 6.87% Modified Duration Particulars Sep’25 Jun’26 Sep’26 AFS 2.85 3.32 3.17 HTM 4.24 4.57 4.82 FVTPL 5.66 5.29 6.17 Total Investment 4.05 4.44 4.71 Particulars (INR crore) Sep’25 Jun’26 Sep’26 Domestic Investments 3,72,290 3,94,078 4,34,634 of which SLR 3,08,547 3,31,566 3,66,534 Non SLR 63,743 62,512 68,100 Held To Maturity (HTM) 2,64,665 2,90,119 3,23,103 Available For Sale (AFS) 73,646 60,776 61,032 Fair Value Through Profit and Loss (FVTPL) 28,889 37,495 44,811 Subsidiaries/Joint Ventures/ RRB’s (Domestic) 5,090 5,688 5,688 International Investments 17,342 17,469 15,278 Global Investments 3,89,632 4,11,547 4,49,912 • Domestic investment book comprises of 74% in HTM; 14% in AFS; 10% in FVTPL and 2% in Subsidiaries / Joint Ventures andRRB’S • The percentage of Investments in SLR Securities to NDTL as of Sep 30, 2026 was at 26%.
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16 Financial Inclusion 36,450 38,250 35,241 Q2FY26 Q1FY27 Q2FY27 Transactions – By Amount (in INR crore) 731 741 748 Sep'25 Jun'26 Sep'26 Total Financial Inclusion Accounts (in Lakh) 790 970 1,002 Q2FY26 Q1FY27 Q2FY27 No. of Transactions# Through Business Correspondents (in lakhs) 4.77% 4.80% 4.85% Sep'25 Jun'26 Sep'26 Zero Balance Accounts (%) 14.92% 14.79% 14.79% Sep'25 Jun'26 Sep'26 Market Share* of BOB in PMJDY Accounts (%) 17.64% 17.67% 17.17% Sep'25 Jun'26 Sep'26 Market Share* of BOB in PMJDY Deposits (%) 43,729 48,801 49,744 5,982 6,586 6,651 Sep'25 Jun'26 Sep'26 Balance /Avg Balance in FI accounts Balance in Financial Inclusion Accounts (in INR Crore) Average Balance (in INR) *amongst PSBs # incl. Financial & Non-Financial Transactions In Q2FY27, Bank’s -89- FLC centers across the country conducted 2,289 meetings/camps to educate 96,095 people. Further, our -69- RSETIs have trained 16,369 youth through 450 training programs
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17 Priority Sector Performance & Govt. Flagship Schemes 67,158 84,412 91,609 Sep'25 Jun'26 Sep'26 Agri. Gold Loan (INR Crore) PM Vidyalaksh mi Scheme No. of A/c Amt. in Crore Sanctioned 2,948 357 Disbursed 2,645 93 PM Surya Ghar Yojana No. of A/c Amt. in Crore Sanctioned 2,38,544 4,277 Disbursed 2,27,617 4,082 PM Mudra Yojana Amt. in Crore Q2FY27 H1FY27 Sanctioned 5,520 10,849 Disbursed 5,559 10,798 PM Vishwakarma No. of A/c Amt. in Crore Sanctioned 69,282 601 Disbursed 58,817 499 As on 30th Sep 2026 (YTD) As on 30th Sep 2026 As on 30th Sep 2026 Mandated Norms under Priority Sector ➢ Total Priority (42.58% of ANBC against norm of 40%) ➢ Agriculture (PS) Advances (18.33% of ANBC against norm of 18%) ➢ Small & Marginal Farmers (11.63% of ANBC against norm of 10%) ➢ Weaker Section (14.72% of ANBC against norm of 12%) ➢ Micro Enterprises (10.25% of ANBC against norm of 7.5%)
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18 Asset Quality
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19 Strong Asset Quality Gross NPA & Net NPA Slippage Ratio & Credit Cost 0.29 0.17 0.76 0.29 0.55 0.91 0.86 0.89 0.91 0.69 - 0.10 0.20 0.30 0.40 0.50 0.60 0.70 0.80 0.90 1.00 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Credit Cost (%) Slippage Ratio (%) 0.57 0.57 0.45 0.50 0.37 2.16 2.04 1.89 1.99 1.78 - 0.50 1.00 1.50 2.00 2.50 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 NNPA (%) GNPA(%)
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20 Movement of NPAs * Technical Write off accounts Particulars (INR crore) Q2 FY26 Q1 FY27 Q2 FY27 H1 FY26 H1 FY27 A. Opening Balance 27,572 27,059 28,150 27,835 27,059 B. Additions 3,064 3,422 2,847 6,062 5,344 Out of which, Fresh Slippages 2,669 3,183 2,392 5,390 4,666 C. Reductions 3,036 2,330 4,101 6,297 5,506 Recovery 991 880 1,240 1,707 1,934 Upgradation 906 814 1,015 1,056 1,099 Cash Recovery + Upgradation 1,897 1,694 2,255 2,763 3,034 Write-Offs 1,135 625 1,840 3,274 2,466 Other Adju/ Exchange difference 4 12 5 259 7 Closing Balance (Gross NPA) 27,600 28,150 26,897 27,600 26,897 Net NPA 7,141 7,017 5,520 7,141 5,520 Recovery in TWO* 493 1,006 729 1,127 1,735 Total Recovery (NPA + TWO) 2,390 2,700 2,984 3,890 4,769 Slippage Ratio (%) 0.91 0.91 0.69 0.90 0.67 Credit cost (%) 0.29 0.29 0.55 0.42 0.42 Gross NPA Ratio (%) 2.16 1.99 1.78 2.16 1.78 Net NPA Ratio (%) 0.57 0.50 0.37 0.57 0.37 Provision Coverage Ratio (Including TWO) (%) 93.21 93.28 94.65 93.21 94.65 Provision Coverage Ratio (Excluding TWO) (%) 74.13 75.07 79.48 74.13 79.48
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21 Sectoral & Industry wise Contribution of NPAs Sector-wise NPA Particulars (INR crore) Q2 FY26 Q1 FY27 Q2 FY27 Corporate 1 34 38 MSME 10,218 9,903 9,107 Retail 5,500 5,877 5,613 Agriculture 8,179 9,231 9,128 Others 102 102 102 Total Domestic 24,000 25,147 23,989 International 3,600 3,003 2,908 Global 27,600 28,150 26,897 Industry-wise NPA Particulars (INR crore) Q2 FY26 Q1 FY27 Q2 FY27 Infrastructure of which 25 25 19 1. Power 2 1 1 2. Telecom 1 1 0 3. Roads & Ports 9 1 1 4. Other Infrastructure 13 22 17 Basic Metals & Metal Industry 356 333 317 of which Iron & Steel 167 168 160 Textiles 646 520 453 Petroleum & Petrochemicals 0 0 0 All Engineering 249 224 183 Food Processing 496 537 517 Chemicals and Chemical Products 98 139 135
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22 Asset Quality : Sectoral Fresh Slippages SMA1 and SMA2 as a per cent of Standard advances (Accounts with outstanding above INR 5 crore CRILC data.) Collection efficiency (excluding Agriculture) stands at 99.22% as of Sep 2026. 0.39 0.07 0.06 Sep'25 Jun'26 Sep'26 CRILC o/s SMA1 and SMA 2 (%)Fresh Slippages Particulars (INR crore) Q2 FY26 Q1 FY27 Q2 FY27 H1 FY26 H1 FY27 Corporate 1 0 5 1 5 MSME 986 1,298 839 1,875 1,755 Retail 833 870 676 1,535 1,231 Agriculture 834 993 840 1,438 1,634 Others 15 18 22 21 29 Total Domestic 2,669 3,179 2,382 4,870 4,653 International 0 4 10 520 13 Global 2,669 3,183 2,392 5,390 4,666 The GNPA ratio for Housing loans (ex-pool) is 0.93%, Auto loans (ex- pool) is 1 .60%; Personal loans (ex- pool) is 4.88% ; Retail Gold loan (ex- pool) is 0.44% as of Sep 2026.
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23 Exposure to NCLT Accounts 2,316 4,130 3,512 28,186 38,145 RBI List 1 RBI List 2 Account filed by BOB Account filed by others Total Exposure in INR Crore 100% 100% 100% 99% 99% RBI 1 List RBI 2 List Accounts filed by BOB at NCLT Accounts filed by others at NCLT Total Provision Coverage (%) Provision Coverage Ratio under NCLT accounts is 99.32%
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24 Capital Adequacy
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25 Capital Adequacy Particulars (INR crore) Sep’25 Jun’26 Sep’26 Sep’26 (Consolidated) Common Equity Tier I Capital (CET 1) 1,21,166 1,40,428 1,45,576 1,55,744 Tier I Capital 1,28,294 1,45,566 1,50,714 1,61,062 Tier II Capital 21,649 19,130 19,618 19,811 Total Capital 1,49,942 1,64,696 1,70,332 1,80,873 13.36% 12.45% 13.16% 13.90% 14.20% 14.65% 0.79% 0.65% 0.48% 0.51% 0.50% 0.50%2.39% 2.19% 2.18% 1.89% 1.91% 1.86% Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Consol Sep'26 Tier II AT-1 CET-1 16.54% 15.29% 15.82% 16.30% 16.61% 17.01% ➢ Healthy Quarterly Average LCR (Standalone) of 133.6% (approx.)
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26 Sustainability Initiatives
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27 Efficiency & Green InitiativesSustainable & Social Loans ➢ Bank has executed an MOU with KFW, a multilateral finance agency, under the programme known as “Climate – friendly, Energy Generation I” to re-finance certain investments in the field of solar energy at a competitive rate of interest. ➢ Bank has entered into an MOU with IREDA for collaboration in areas of Co-Lending/Co-origination for Renewable Energy Projects as well as Loan Syndication and Underwriting. ➢ Bank has an outstanding of INR 31,945 crore for financing renewable energy projects under Corporate Credit segment. ➢ Bank has schemes for financing solar powered pumps, compressed Bio gas plants, installation of Solar Pumps and grid connected solar and other renewable power plants for farmers. Also, more loans are encouraged for micro irrigation for efficient use of water ➢ As on Sept 2026, Bank has extended loans to -3,98,254- SHGs with total outstanding amount of INR 16,206 crores. Sustainability Initiatives….1/5 ➢ Till date -541- Bank’s Owned/Leased/RSETI premises (5.42 MW in total) are being run on Solar Energy. Approx. 12035 Tons of Carbon Dioxide Emission reduced as a result of using Green/Renewable/Solar Energy. ➢ EV Charging Infrastructure provided at -7- Bank's owned premises, to promote electric mobility. ➢ IGBC Green Building certification in -07- of Bank’s owned buildings. ➢ Procurement of Renewable Energy for BCC and BST Buildings through Open Access Mechanism. ➢ Electricity Bill Management platform using AI (on pilot basis) to automatically retrieve Bills from DISCOM and optimise energy consumption. Remote Bill Audit conducted for Bengaluru Zone. ➢ Advisory issued for contract demand optimization for Bank’s Owned and Leased Premises for curtailment of lighting/revenue expenses. ➢ Green Building Webinars & Training Programmes were conducted for Premises Officers/Dealing Personnel, followed by Green Building Professional Examination & Certification.
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28 Sustainability Initiatives….2/5 Governance Frameworks ➢ Pioneer PSB with a stakeholder-centric ‘Code of Ethics’ resting on our Five Pillars ➢ Version 2.0/2025 Launched 01st April 2025 ➢ Regular outreach programs, webinars, and workshops to promote ethics ➢ Appointed Ethics Counsellors, including dedicated lady counsellors for women employees ➢ To oversee and drive the CSR, ESG, and Sustainability Agenda, the Bank has a “CSR and Sustainability Committee of the Board” which consists of MD & CEO, all Executive Directors and two Non-Executive Directors. ➢ Under the CSR & Sustainability Committee of the Board, the Bank has a multidisciplinary “Core CSR and Sustainability Committee” which is also designated as “Green Cell ” in implementing the Bank ’s ESG, Sustainability and Climate Risk initiatives across all of its functions. We Barodians Our Customers Our External StakeholdersOur Business Our Communities
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29 Sustainability Initiatives….3/5 Green DepositsInitiatives ▪ Launched Carbon Calculator on the Akshay Urja Diwas on August 20, 2026. ▪ Conducted a two-day Capacity Building Programme on the “Asia Low Carbon Building Transition Project” for the Bank’s 80+ staff in coordination with Administrative Staff College of India (ASCI) and the Global Green Growth Institute (GGGI) on 31 st August-01st September 2026 in Mumbai. ▪ Adopted dedicated CSR Logo- bobSewa (Social Empowerment Through Welfare Actions). Green Infrastructure Bonds Raised Long-Term Green Infrastructure Bonds on March 04, 2026: ▪ First Public sector bank in India to issue ₹ 10,000 crore via Series I Long-Term Green Infrastructure Bonds (GIB) , a milestone for India’s Sustainable Bonds market. ▪ The 7-year tenor of GIB was oversubscribed 3x times of base issue of ₹ 5,000 crore. ▪ Secured competitive cut-off coupon of 7.10 %, achieving a “Greenium”. ▪ Rated 'AAA' (stable outlook) by CARE Ratings and ICRA Ratings. ▪ GIB proceeds of ₹ 10,000 crores utilized/being utilized towards refinancing and fresh deployment of the eligible Renewable Energy sector projects. ▪ Undertaken SEBI’s Disclosure requirement covering Environmental & Social Risk Assessment (ESRA), Third-Party Impact Assessment and Verification of refinanced projects. ▪ Net GHG Emissions avoided via projects refinanced using GIB proceeds is approx. 19.84 Lakhs tCO2eq. Achievements ▪ Mobilized ₹ 2704.26 Cr. of Green Deposits [Outstanding ₹ 1934.15] till September 30, 2026. ▪ Deployed the entire Green Deposits proceeds i.e., ₹ 2704.26 Cr. in th e renewable energy sector till September 30, 2026.
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30 Sustainability Initiatives….4/5 Initiatives for ESG and Climate Risk Management Strategy ▪ Published Bank’s Business Responsibility and Sustainability Report (BRSR) for the year 2025-26. ▪ Formulated Bank’s Sustainable Financing Framework which is approved by the Board. ▪ Invested ₹3,218.33 Cr. in Sovereign Green Bonds as of September 30, 2026. ▪ Launched New Green Lending Product, i.e., “bob Green Plug” aimed at supporting of Public Utility EV charging infrastructure. Metrics and Targets ▪ Continuous actions are underway to achieve Bank’s Net Zero target by the 2057 year. ▪ Achieved the short-term target of 27.65 % reduction in Scope 1 & 2 emissions from the base year FY24 (prior to the prescribed timeline) against the set target of 20.00 % by FY 2027. ▪ Renewable Energy financing achieved was 38.05 % of total energy sector financing as on Sept 30, 2026, against the target of 40% by 2027. Rationale of the Initiatives ▪ To disclose progress achieved in Bank's ESG metrics and net-zero target by 2057 to the stakeholders and attract sustainability focused investors. ▪ To provide a comprehensive structure for issuance of Green, Social and Sustainability (GSS) bonds by the Bank as per the regulatory guidelines and international best practices. ▪ To foster green finance portfolio of the Bank & its supported projects. ▪ To reflect the Bank’s commitment towards supporting green public infrastructure while maintaining a high-quality, low-risk investment portfolio. ▪ To demonstrate the Bank's commitment to mitigate climate change impacts and reduce its carbon footprint in alignment with the Country's climate action goals. All the Sustainability Initiatives of Bank can be viewed by visiting dedicated ‘bob Earth Webspace’ having URL: https://bankofbaroda.bank.in/bob - earth
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31 Sustainability Initiatives….5/5 Observance of National Sports Day The Bank celebrated ‘National Sports Day’ with a vibrant series of nationwide sporting & fitness activities from 28 th – 30th August 2026. Employees participated in local sports competitions culminating in special ‘Sundays on Cycle’ –a community cycling event scheduled across India Organizing Inter Zonal Sports & Cultural Competition Under the aegis of the ‘Baroda Anubhuti’Program, the Bank has commenced the Inter Zonal Sports & Cultural Tournament for its employees on a pan-India basis, with the objective of fostering teamwork, camaraderie and mutual respect among staff members. So far, -03- events viz. Inter Zonal Badminton Tournament, Inter Zonal Table Tennis Tournament and Inter Zonal Carro m Tournament have been successfully conducted with -05- more scheduled late this year.
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32 Digital Banking - Accelerating Digital Transformation
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33 Leveraging Digital Infrastructure As of Sep’26 932.92 Cr YTD Sept ‘26
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Building a Future- Ready Digital Bank Banking access on affordable feature phones for Financial inclusion
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35 Accelerating Digital Growth….1/2 9.57 18.03 Q2 FY 25-26 Q2 FY 26-27 CBDC Users wallet 88% Txn value in Rs Cr 17.74 42.79 Q2 FY 25-26 Q2 FY 26-27 bob इ Pay Users 1,5281,364 141% Txn value in Rs Cr 126 138 Q2 FY 25-26 Q2 FY 26-27 bob World Internet Users Txn value in Rs Cr (In Lacs) Channels & Products (Q2 FY’2025-26 vs Q2 FY’2026-27) 341 359 Q2 FY 25-26 Q2 FY 26-27 bob World Users 5% Txn value in Rs Cr (In Lacs) 1.49 2.05 Q2 FY 25-26 Q2 FY 26-27 WhatsApp Banking Users 2,60,920 3,05,7341,01,87784,502 324 371 37% 10% 888 791 Q2 FY 25-26 Q2 FY 26-27 Debit Card Base 2,640 2,925 Debit Card Spends in Rs Cr (In Lacs) (In Lacs) (In Lacs) (In Lacs) -11%
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36 Accelerating Digital Growth….2/2 Merchant Ecosystem (Q2 FY’2025-26 vs Q2 FY’2026-27) 0.55 0.68 Q2 FY25-26 Q2 FY26-27 POS Number of Terminals 22251731Turnover in Rs Cr 24 % 7854 11271 Q2 FY25-26 Q2 FY26-27 IPG Number of Merchants (Actual) Turnover in Rs Cr 4997 6391 44 % Point of Sale Internet Payment Gateway 1.74 2.60 Q2 FY25-26 Q2 FY26-27 Sound Box Number of Devices (In Lacs) 50 % 28.5 34.81 Q2 FY25-26 Q2 FY26-27 UPI – QR Number of QR Issued Column1 (In Lacs) 22% 16,186 16009Turnover in Rs Cr UPI – QR Sound Box (In Lacs)
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Accelerating Digital Lending 37 Retail Digital Sanctions (Value in Cr.) 1991 6264 Q2 FY 25-26 Q2 FY 26-27 215% Total Digital Sanctions (Value in Cr.) 3550 7711 Q2 FY 25-26 Q2 FY 26-27 117% Agri Digital Sanctions (Value in Cr.) 1559 1447 Q2 FY 25-26 Q2 FY 26-27 -7% Digital KCC Agri Gold Loan Tractor Loan Agri Products Digital Agri Products : 3 Retail Products Solar Roof Top Auto Loan Integrated Education Loan (PM Vidhyalakshmi) Pension Loan PLGS Two- Wheeler Loan Insta PL Retail Gold Loan Digital PL Education Loan EDP PL To RGE D-PAL PL Balance Transfer for Gold Customer Subsequent PL for Gold Customer Digital Retail Products : 14
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38 Consolidated Financials
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39 Subsidiaries and JVs Performance IndiaFirst Life Insurance Co. Ltd. (Holding – 64.86%) Baroda BNP Paribas Asset Management India Pvt. Ltd. (Holding – 50.1%) ❑ IndiaFirst Life recorded New Business GWP of Rs. 1,116 crs for Q2 FY26-27 against Rs 777 crs in Q2 FY25-26. with YoY increase of 43.5%. The Company also recorded a QoQ growth of 116.7% over Q1 FY 26-27 NB GWP. ❑ IndiaFirst life recorded YOY increase of 20.6% on Gross Written Premium with Rs 2,309 crs for Q2 FY 26-27 against Rs 1,914 crs for Q2 FY 25-26. ❑ India First Life stands at 12 th position in Q2 FY26-27 (NB GWP terms ) among private Insurers. ❑ Market share amongst Private Insurers stands at 1.6% for Q2 FY26-27 (Individual NB APE terms). ❑ Net profit for Q2 FY26-27 at INR 4.4 crores. (INR 15.3 crores for Q2 FY25-26). Net profit for H1 FY 26-27 stood at INR 30.5 crores ( INR 45.1 crores for H1 FY 25-26). Note: GWP –Gross written premium. NB APE-New Business Annual premium Equivalent ❑ AAUM (average assets under management ) stood at INR 58,607 crore in Q2 FY27, including offshore advisory AAUM of INR 3,962 crore, representing year-on-year growth of 6%. ❑ Gross revenue for Q2 FY27 stood at INR 69.44 crore, reflecting year- on-year growth of 10%. Profit before tax increased to INR 34.24 crore from INR 29.36 crore in Q2 FY26. ❑ Net profit after tax increased to Rs 26.12 crs for Q2 FY26-27 from Rs 24.36 crs for Q2 FY25-26. YOY increase of 7.22%. ❑ The Services Fund NFO, launched in July 2026, mobilised INR 592.06 crore across 14,111 investor folios. ❑ AMC is currently ranked at 22 nd position among all Mutual Fund Companies in India.
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40 Subsidiaries and JVs Performance Baroda Global Shared Services Limited (Holding – 100%) Nainital Bank Limited (Holding – 98.62%) ❑ Revenue from Operations Increased by 31.55% YoY in Q2 FY2026-27. Revenue from Operations in Q2 FY2026-27 is Rs.72.94 Cr and in Q2 FY2025-26 was Rs 55.45 Cr. ❑ Profit after Tax for Q2 FY2026-27 stands at Rs 9.64 Cr as compared to profit after tax in Q2 FY2025-26 was 7.82 Cr. ❑ DST Gross Disbursement of ~₹6,756 Cr across DST products (HL- LAP, AL, EL & Agri (Tractor) loan) during Q2 FY26-27 against ₹4,574 Cr. in Q2 FY25-26 delivering ~48% growth ❑ Total income increased by 32.04 % YoY in Q2 FY2026-27. Total Income in Q2 FY2026-27 is Rs. 74.06 Cr and in Q2 FY2025-26 was Rs 56.09 Cr. ❑ Total Business increased to Rs 14375.84 crs in Q2 FY26-27 from Rs 12935.51 crs in Q2 FY25-26. YOY growth of 11.13%. ❑ Gross advance increased to Rs 5623.94 in Q2 FY26-27 from Rs 4864.35 crs in Q2 FY25-26. YOY growth of 15.62%. ❑ Total Deposit increased to Rs 8751.9 crs in Q2 FY26-27 against Rs 8071.16 crs in Q2 FY25-26. YOY growth of 8.43% . CASA Deposit increased to Rs 3435.96 crs in Q2 FY26-27 from Rs 3,230.10 crs in Q2 FY 25-26. ❑ Gross NPA stood at Rs 279.60 crs in Sep 26 against Rs 389.4 crs in Sep 25 with reduction of 28.20% YOY . Gross NPA ratio to advances decreased to 4.97% in Sep 26 from 8.02% in Sep 25. ❑ Net profit stands at Rs 21.68 crs in Q2 FY26-27 against Rs. 14.83 crs in Q2 FY25-26
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41 Subsidiaries and JVs Performance India Infradebt Limited (Joint Venture stake of 40.99%) BOBCARD Limited (Holding – 100%) ❑ Total advances increased to Rs 32,257.43 crs in Q2 FY26-27 from Rs 28,062.52 crs in Q2 FY25-26. YOY growth of 14.95%. ❑ Total income increased to Rs 761.84 crs in Q2 FY26-27 from Rs 697.11 crs in Q2 FY25-26. YOY growth of 9.29%. ❑ Profit after tax increased to Rs 180.59 crs in Q2 FY26-27 from Rs 145.16 crs in Q2 FY25-26. YOY growth of 24.40%. ❑ India Infra debt limited has focused on renewable energy sectors during Q2 FY26-27 ❑ Number of active Cards stood at 34.92 lacs as on 30 Sep,2026 against 30.73 lacs as on 30 Sep 2025. YOY growth of 13.63% ❑ Card Spends for Q2 FY26-27 increased to Rs 11,713 crs from Rs 10,215 crs in Q2 FY25-26. YOY growth of 15% ❑ ANR increased to Rs 6,353.00 crs for Q2 FY26-27 against Rs 6,205 crs for Q2 FY25-26. YOY growth of 2%. ❑ ENR increased to Rs 6,495 for Q2 FY26-27 against Rs 6,448 crs for Q2 FY25-26 . YOY growth of 1%. ❑ Net loss stands at Rs 72.20 crs for Q2 FY26-27 against profit of Rs 2.85 crs in Q2 FY25-26, Note : ANR –Average net receivable , ENR –End Net receivable
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42 Subsidiaries and JVs Performance BOB Capital Markets Limited (Holding – 100%) BOB Securities & Giltedge Limited (Newly Incorporated Subsidiary) ❑ Gross Revenue decreased to Rs 9.51 crs for Q2 FY26-27 from Rs 11.08 crs as in Q2 FY25-26. YOY decline of 14.17%. ❑ Net loss stood at Rs (3.73 crs) in Q2 FY26-27 against Rs (3.61 crs) in Q2 FY25-26. YOY increased by 3.32%. ❑ Revenue from Investment Banking division decreased to Rs. 0.68 crs in Q2 FY26-27 from Rs 1.76 crs in Q2 FY25-26. YOY decline of 61.36 %. ❑ Broking division revenue increased to Rs 7.20 crs in Q2 FY26-27 from Rs 7.18 crs in Q2 FY25-26. YOY growth of 0.28%. ❑ Demat account opened during Q2 FY26-27 is 16,794 over 10,545 opened in Q2 FY25-26. YOY growth of 59.27 %. ❑ BOB Securities & Giltedge Limited (BOBSGL) is a newly incorporated subsidiary of the Bank, formed to undertake Bank’s existing PD business as a Standalone Primary Dealership ❑ The Bank has infused an initial capital of Rs 500 crs in the company. ❑ The company has commenced its NBFC-ND-ICC operations on 23rd October 2026.
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43 Bank of Baroda (Botswana) Ltd. (Subsidiary Holding – 100%) Bank of Baroda (Kenya) Ltd. (Subsidiary Holding – 86.70%) Bank of Baroda (Uganda) Ltd. (Subsidiary Holding – 80%) Overseas Subsidiaries Performance Note: Financial year end for Uganda and Kenya is December. ❑ Total Deposits stands at INR 2,529.06 crore as at the end of H1 FY27 registering a growth of 16.91% YoY. ❑ The net advances grew by 28.49% on a YoY basis to INR 2,026.81 crore at the end of H1 Y27. ❑ Net profit decreased by 26.63% YoY to INR 40.94 crore for H1 FY27 . ❑ The RONW at the end of H1 FY27 stands at 13.54%. ❑ The GNPA ratio as at the end of H1 FY27 is at 1.85%. ❑ Total Deposits stands at INR 7,052.92 crore as at the end of H1 FY27 registering a growth of 19.74% YoY . ❑ The net advances grew by 28.77% on a YoY basis to INR 4,603.41crore at the end of H1 FY27. ❑ Net profit increased by 31.34% YoY to INR 229.52 crore for H1 FY27 . ❑ The RONW at the end of H1 FY27 stands at 17.10%. ❑ The GNPA ratio as at the end of H1 FY27 is at 0.45%. ❑ Total Deposits stands at INR 11,777.21 crore as at the end of H1 FY27 registering a growth of 8.49% YoY. ❑ The net advances grew by 14.62% on a YoY basis and stood at INR 5,207.56 crore at the end of H1 FY27. ❑ Net profit increased by 36.54% YoY to INR 225.40 crore for H1 FY27 . ❑ The RONW at the end of H1 FY27 stands at 16.37%. ❑ The GNPA ratio as at the end of H1 FY27 is at 12.91%.
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44 Balance Sheet and PL– Consolidated Particulars (INR crore) Sep’25 Jun’26 Sep’26 CAPITAL & LIABILITIES Capital 1,036 1,036 1,036 Share Application Money Pending Allotment 0 0 0 Reserves & Surplus 1,57,860 1,67,464 1,73,746 Minority Interest 1,355 1,555 1,589 Deposits 15,25,204 16,61,941 17,75,096 Borrowings 1,48,246 1,73,286 1,83,471 Other Liabilities & Provisions 79,856 1,11,646 96,529 T O T A L 19,13,557 21,16,928 22,31,467 ASSETS Cash and Balances with RBI 51,994 50,665 56,314 Balances with Banks 75,394 1,03,460 77477 Investments 4,33,733 4,61,230 5,02,214 Loans & Advances 12,87,059 14,27,708 15,24,547 Fixed Assets 12,322 12,135 12,014 Other Assets 52,144 60,819 57,990 Goodwill on Consolidation 911 911 911 T O T A L 19,13,557 21,16,928 22,31,467 Particulars (INR crore) Q2FY26 Q2FY27 YOY (%) Interest Income 33,318 37,021 11.1 Non Interest Income 5,116 8,763 71.3 Total Income 38,434 45,784 19.1 Interest Expenses 20,191 22,660 12.2 Operating Expenses 9,750 10,450 7.2 Operating Profit 8,493 12,674 49.2 Provisions 1,798 3,407 89.5 Exceptional Items 0 0 -- Profit before Tax 6,695 9,267 38.4 Tax 1,624 2,628 61.8 Minority Interest 47 55 17.0 Share of Earning in Associates 110 153 39.1 Profit after Tax 5,134 6,737 31.2 EPS (INR) 9.93 13.03 31.2
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45 Disclaimer The information contained in this presentation is provided by Bank of Baroda (the “Bank”) to you solely for your information. This document is highly confidential and being giv en solely for your use and may not be retained by you and neither this presentation nor any part thereof may be (i) used or relied upon by any other party or for any other purpose; (ii) copied, photocopied, duplicated or otherwise reproduced in any form or by any means; or (iii) re-circulated, redistributed, passed on, publ ished in any media, website or otherwise disseminated, to any other person, in any form or manner, in part or as a whole, without the prior written consent of the Bank. Any unauthorized use, disclosure or public dissemination of information contained herein is prohibited. This presentation does not purpo rt to be a complete description of the markets’ conditions or developments referred to in the material. 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Thank You