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li=111 ONE TO ONE FOUNDATION DAY THIN w r / "" Bank of India ° Xelationship beyond banking Classification: Internal Q2 FY 2026-27 Performance Analysis Products & Services
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02 01 Key Highlights Business Performance 01 2-15 > 03 Financial Performance 05 06 Capital, Share Holding & Group Performance Digital Banking HR, ESG etc. 29 - 35 > 36 - 48 > Classification: Internal
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f 111 ONE TO ONE 121 • •I1 61 1.11:1.1. • 1.11.1.1 Bank of India Classification: Internal Key Highlights Q2 FY 2026-27 (YoY) Global Business 21.13% Net Profit 18.68% RAM Growth 25.34% Global Deposits 21.59% Retail Advances Gross NPA 19.27% 94 bps Global Advances 20.58% Agriculture Advances 16.34% Net NPA 23 bps Corporate Advances 16.67% MSME Advances 20.27% CRAR 109 bps 01 Key Highlights
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Classification: Internal Business Performance
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111 ONE TO ONE 121 • •I161 1.11:1.1. • 1.11.1.1 Bank of India .1.0 iiiPI I lir 1+14.1 ronfo ■ 111111., 1.1 rr I, -.1 I 0.444"6 • • Classification: Internal Global Business Mix 7,09,145 15,62,446 9,57,924 7,97,775 17,55,699 10,37,530 8,55,071 18,92,601 02 30.09.25 30.06.26 30.09.26 (Amt in ₹ Cr) Global Deposits Global Advances Global Business Mix Business Performance 8,53,301
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111 ONE TO ONE Bank of India 121 • •I1 61 1.11:1.1. • 1.11.1.1 AIM Classification: Internal Business Performance 03 Q2 FY 26 Q1 FY 27 Q2 FY 27 5,97,350 1,11,795 6,73,833 1,23,942 7,09,145 7,97,775 Q2 FY 26 Q1 FY 27 Q2 FY 27 7,30,098 1,23,203 8,24,963 1,32,961 8,53,301 9,57,924 Domestic & Overseas Deposits Domestic Overseas Domestic Overseas Domestic & Overseas Advances (Amt in ₹ Cr) 9,00,129 7,03,911 1,51,160 8,55,071 1,37,401 10,37,530
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121 111 ONE TO ONE Bank of India • •I1 61 1.11:1.1. • 1.11.1.1 Classification: Internal Global Deposits & Advances - Growth Business Performance The abovementioned Global Deposits and Global Advances as of 30.09.26 include FCNR deposits and FCNR Advances canvassed under RBI special FCNR scheme during Q2 FY 27. Excluding these, the Business Mix grew by 5.44% QoQ and 18.48% YoY. 04 Particulars 30.09.25 30.06.26 30.09.26 Global Deposits 8,53,301 9,57,924 10,37,530 Global Advances 7,09,145 7,97,775 8,55,071 Global Business Mix 15,62,446 17,55,699 18,92,601 QoQ Growth YoY Growth Amount % Amount % 79,606 8.31 1,84,229 21.59 57,296 7.18 1,45,926 20.58 1,36,902 7.80 3,30,155 21.13 (Amt in ₹ Cr)
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111 ONE TO ONE Bank of India 121 • •I1 61 1.11:1.1. • 1.11.1.1 ' Classification: Internal Domestic Deposits Business Performance Particulars 30.09.25 30.06.26 30.09.26 CASA Amount 2,86,492 3,02,085 3,07,031 CASA (%) 39.39% 36.68% 34.16% Total Term Deposits 4,40,799 5,21,377 5,91,709 Retail Term Deposits (%) 47.41% 42.00% 43.44% (Amt in ₹ Cr) 05
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121 111 ONE TO ONE Bank of India • •I1 61 1.11:1.1. • 1.11.1.1 A A A A A A • • • • Classification: Internal Composition of Gross Domestic Advances Business Performance 06 The Bank continues to strengthen its focus on the RAM portfolio, with its contribution to Gross Domestic Advances increasing year-on-year. (Amt in ₹ Cr) Retail Agriculture MSME RAM Corporate & Others Gross Domestic Advances RAM Advances (%) 30.09.25 1,45,768 30.06.26 1,66,170 30.09.26 Growth YoY% 19.27 1,04,124 1,15,782 16.34 97,834 1,10,881 3,47,726 3,92,833 4,12,670 18.68 2,49,624 2,81,000 16.67 5,97,350 6,73,833 17.84 58.21% 58.30% 58.63%1,73,862 1,21,140 1,17,668 20.27 7,03,9112,91,241
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121 111 ONE TO ONE Bank of India • •I1 61 1.11:1.1. • 1.11.1.1 I Classification: Internal Retail Loans Business Performance 07 * Includes Staff Loans, Gold Loans, Loan against Deposits, etc. (Amt in ₹ Cr) Particulars 30.09.25 30.06.26 30.09.26 Growth YoY (%) Home loans 72,807 81,213 85,080 17 Vehicle loans 22,177 25,296 26,349 19 Education loans 4,052 4,609 4,754 17 Mortgage loans 13,255 16,280 17,591 33 Personal loans 12,978 13,068 13,088 1 Others* 20,499 25,704 27,000 32 Total Retail Loans 1,45,768 1,66,170 1,73,862 19 49% 15% 3% 10% 8% 15% Home Loans Vehicle loans Education loans Mortgage loans Personal Loans Others
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Bank of India g) 111 ONE TO ONE 121 • •I1 61 FIVVI. • 1.11.1.1 Classification: Internal Priority Sector Advances Business Performance Particulars Regulatory Target 30.09.25 30.06.26 30.09.26 ANBC 5,03,530 5,38,858 Priority Sector 2,35,530 % To ANBC 46.7840.00 Agriculture* 1,01,604 % To ANBC 20.18 Small and Marginal Farmers 71,258 % To ANBC 14.15 Weaker Section 89,511 % To ANBC 17.78 Micro Enterprises (PS) 49,871 18.00 10.00 12.00 % To ANBC 7.50 9.90 2,53,864 47.11 1,06,986 19.85 76,643 14.22 96,712 17.95 51,613 9.58 2,63,862 46.24 1,10,283 19.32 79,010 13.84 99,939 17.51 52,770 9.25 * Includes RIDF & PSLC Priority Sector lending across categories exceeded the regulatory targets as of 30.09.2026 (Amt in ₹ Cr) 08 5,70,683
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M _ Classification: Internal Domestic Credit Industry-wise Outstanding Business Performance * Includes Priority Sector Housing Loans and all other Residential Mortgages (Amt in ₹ Cr) 09 Infrastructure 58,288 54,967 58,274 Basic Metal & Metal products 21,635 22,341 24,007 Textiles 6,432 6,934 7,238 Gems & Jewellery 3,122 2,792 2,722 Chemicals & Chemical products 7,839 7,277 7,324 Vehicles & Transport equipment 2,093 2,401 2,985 Rubber, Plastic & their products 4,083 4,356 4,456 Construction 4,720 4,218 4,430 Direct Exp to Real Estate Sector 90,469 1,02,938 1,09,296 - Residential Mortgage* 86,883 98,395 1,04,037 - CRE 3,586 4,543 5,259 NBFC (Incl. HFCs) 73,316 80,900 84,046 Particulars 30.09.25 30.06.26 30.09.26
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• • • I I I • • • Classification: Internal NBFC Portfolio Global Outstanding Business Performance (Amt in ₹ Cr) 10 Particulars 30.09.25 30.06.26 30.09.26 AAA 69,579 78,037 83,821 AA 18,527 18,316 17,830 A 3,544 3,315 3,417 BBB & Below 1,394 1,054 1,199 Total 93,044 1,00,722 1,06,267 75% 78% 79% 20% 18% 17% 4% 3% 3% 1% 1% 1% 30.09.25 30.06.26 30.09.26 AAA AA A Portfolio Mix (%) Key Highlights AAA segment continues to strengthen, increasing to 79% as of 30.09.26 Over 96% of the portfolio is in AAA & AA categories Well diversified portfolio across various market players Low exposure to lower rated assets (BBB & Below) BBB & Below
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C Classification: Internal Global NBFC Portfolio Rating Profile as of 30.09.2026 Business Performance (Percentage) 11 Category AAA AA A BBB & Below Total NBFC-HFC 23 5 -- -- 28 PSU 7 1 -- -- 8 Bank 6 1 -- -- 7 Private 10 3 -- -- 13 NBFC-MFI -- 1 -- -- 1 Private -- 1 -- -- 1 NBFC-Others 56 11 3 1 71 PSU 25 -- 2 -- 27 Bank 4 -- -- -- 4 Private 27 11 1 1 40 Grand Total 79 17 3 1 100
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111 ONE TO ONE Bank of India 121 • •I1 61 1.11:1.1. • 1.11.1.1 fa, Classification: Internal (Amt in ₹ Cr) * Other Infrastructure includes Telecom, Social Infrastructure, Water & Sanitation, etc. Domestic Advances Infrastructure Sector Outstanding Business Performance Particulars 30.09.25 30.06.26 30.09.26 Power 34,644 35,758 37,305 a) SEBs 11,069 9,366 10,128 - Generation 5,325 4,274 4,548 - Transmission 1,578 1,445 1,403 - Distribution 4,166 3,647 4,177 b) PSUs & Pvt Power Cos 23,575 26,392 27,177 Roads and Ports 17,323 12,669 14,320 Other Infrastructure* 6,321 6,540 6,649 Total 58,288 54,967 58,274 12
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121 111 ONE TO ONE Bank of India • •I1 61 1.11:1.1. • 1.11.1.1 Classification: Internal Benchmark-wise Distribution of Advances Standard Domestic Business Performance * Includes Fixed Rate loans, FCL, Loan against TDR, etc. (Amt in ₹ Cr) Benchmark Rates Standard Advances as on 30.09.26 Share (%) Base Rate MCLR EBLR Others* Grand Total 1,677 1,71,343 4,54,920 62,491 0.24 24.82 65.89 9.05 6,90,431 100.00 13 Base Rate 0.24% MCLR 24.82% EBLR 65.89% Others 9.05%
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111 ONE TO ONE 121 • •I1 61 1.11:1.1. • 1.11.1.1 Bank of India 0 • • • • • • • Classification: Internal External Rating-wise Distribution of Standard Corporate Advances Business Performance 14 Domestic Corporate Advances Above ₹ 50 Cr 30.06.26 A & above BBB Below BBB Unrated 86.80% 3.57% 1.23% 8.40% 30.09.26 A & above BBB Below BBB Unrated As of 30.09.26, Investment grade accounts form ~90% of our Standard Corporate Advances portfolio 86.42% 3.30% 1.94% 8.34%
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ONE TO ONE 9.1.11.1 1.11.1.1 L..adTL.a; Classification: Internal Domestic Investments Business Performance Particulars SLR Investments - of which Govt Securities Non SLR Investments M Duration Total 30.06.26 AFS HTM FVTPL SUB-JV Total 30.09.26 AFS HTM FVTPL SUB-JV Total - - - - - (Amt in ₹ Cr) 15 30,280 1,86,958 8,138 2,25,376 30,280 1,86,958 8,138 2,25,376 10,686 26,497 7,602 3,661 48,446 40,966 2,13,455 15,740 2,73,8223,661 - - 23,808 1,77,901 6,860 2,08,569 23,808 1,77,901 6,860 2,08,569 10,075 26,554 6,718 3,661 47,009 2.71 - - -3.12 33,882 2,04,455 13,578 2,55,5783,661 3.08 3.48
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Classification: Internal Financial Performance
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111 ONE TO ONE 121 • •I1 61 1.11:1.1. • 1.11.1.1 Bank of India Classification: Internal Net-Interest Income (Global) Financial Performance (Amt in ₹ Cr) 16 Particulars Q2 FY 26 Q1 FY 27 Q2 FY 27 YoY (%) Interest Income 18,405 19,949 21,229 15 a. Advances 12,944 14,358 15,471 20 b. Investments 4,530 4,532 4,760 5 c. Money Market Operations & Others 931 1,059 998 7 Interest Expended 12,493 13,117 14,222 14 a. Deposits 10,093 11,046 11,934 18 b. Borrowings 1,896 1,454 1,585 -16 c. Subordinated Bonds & Others 504 616 703 39 Net Interest Income 5,912 6,833 7,007 19 HY 1 FY 26 HY 1 FY 27 YoY (%) 36,757 41,178 12 25,736 29,829 16 9,154 9,292 2 1,867 2,057 10 24,776 27,338 10 19,919 22,980 15 3,850 3039 -21 1,007 1319 31 11,981 13,840 16
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Classification: Internal Non-Interest Income (Global) Financial Performance (Amt in ₹ Cr) Particulars Q2 FY 26 Q1 FY 27 Q2 FY 27 YoY (%) Commission, Exchange & Brokerage 511 404 487 -5 Cross Selling (Third Party Commission) 77 59 95 23 Profit from Sale and Revaluation of Investments 314 414 201 -36 Profit from Exchange Transactions 160 226 411 157 Recovery in Written Off Accounts 337 609 978 190 Other Non Interest Income 822 867 598 -27 Non-Interest Income 2,220 2,579 2,770 25 17 HY 1 FY 26 HY 1 FY 27 YoY (%) 916 891 -3 126 154 22 1,134 615 -46 266 637 139 659 1,587 141 1,285 1,465 14 4,386 5,349 22
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b. Depreciation on Bank's Classification: Internal Operating Expenses (Global) Financial Performance Particulars Q2 FY 26 Q1 FY 27 Q2 FY 27 YoY (%) 1. Staff Expenses 2,452 2,603 2,667 9 2. Overheads a. Rent, Taxes & Lighting 262 281 299 14 Property 180 195 187 4 c. Printing & Stationery 27 25 27 1 d. Postage & Telecommunication 75 113 61 -19 e. Repairs & Maintenance 30 27 31 3 f. Travelling Expenses 140 111 155 10 g. Insurance Expenses 299 171 172 -42 h. Misc Expenses & Others 847 835 1,089 29 Total Operating Expenses 4,313 4,361 4,688 9 (Amt in ₹ Cr) 18 HY 1 FY 26 HY 1 FY 27 YoY (%) 4,849 5270 9 505 580 15 353 382 8 50 52 4 165 174 5 56 58 4 250 266 6 554 343 -38 1,756 1,924 10 8,538 9,049 6
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111 ONE TO ONE 121 • •I1 61 1.11:1.1. • 1.11.1.1 Bank of India Classification: Internal Operating Profit and Net Profit (Global) Financial Performance 19 (Amt in ₹ Cr) Particulars Q2 FY 26 Q1 FY 27 Q2 FY 27 YoY (%) Operating Profit 3,821 5,051 5,089 33 Provisions For - Bad & Doubtful (NPA) 472 1,144 1010 114 - Non Performing Investment (NPI) - - - - - Standard Assets & Others -31 -181 -212 - Provisions before Tax 441 963 798 81 Profit Before Tax (PBT) 3,380 4,088 4,291 27 Taxation 825 1,020 1,089 32 Net Profit 2,555 3,068 3,202 25 HY 1 FY 26 HY 1 FY 27 YoY (%) 7,830 10,140 30 1,577 2,154 37 - - - -40 -393 - 1,537 1,761 15 6,293 8,379 33 1,486 2,109 42 4,807 6,270 30
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= = Classification: Internal 20 Key Financial Ratios (Global) Financial Performance Particulars Q2 FY 26 Q1 FY 27 Q2 FY 27 Yield on Advances (%) 7.81 7.46 7.59 Yield on Investments (%) 6.80 6.87 6.99 Yield on Funds (%) 7.13 6.77 7.49 Cost of Deposits (%) 4.85 4.69 4.85 Cost of Funds (%) 4.84 4.45 5.16 Net Interest Margin (NIM) (%) 2.41 2.52 2.47 Cost to Income Ratio (%) 53.02 46.33 47.95 Credit Deposit Ratio (%) 83.11 83.28 82.41 Return on Assets (%) 0.91 1.01 1.01 Return on Equity (%) 14.94 16.12 16.36 Credit Cost (%) 0.07 0.15 0.12 Book Value Per Share (Tangible) (₹) 151.30 168.97 174.92 Book Value Per Share (₹) 155.46 169.98 175.97 HY 1 FY 26 HY 1 FY 27 7.91 7.49 6.89 6.93 6.94 7.43 4.85 4.77 4.67 5.13 2.48 2.50 52.16 47.16 83.11 82.41 0.87 1.01 14.14 16.19 0.23 0.24 151.30 174.92 155.46 175.97
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Classification: Internal Asset Quality
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111 ONE TO ONE 121 • •I1 61 1.11:1.1. • 1.11.1.1 Bank of India Classification: Internal Asset Classification: Global Advances Asset Quality (Amt in ₹ Cr) 21 Particulars 30.09.25 30.06.26 30.09.26 Outstanding Share (%) Outstanding Share (%) Outstanding Share (%) Standard Advances 6,91,130 97.46 7,83,321 98.19 8,41,423 98.40 Gross NPA 18,014 2.54 14,454 1.81 13,648 1.60 - Sub-Standard 4,805 0.68 4,454 0.56 4,224 0.50 - Doubtful 10,294 1.45 7,441 0.93 7,102 0.83 - Loss 2,915 0.41 2,559 0.32 2,322 0.27 Gross Advances 7,09,145 100.00 7,97,775 100.00 8,55,071 100.00
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111 ONE TO ONE Bank of India 121 • •I1 61 1.11:1.1. • 1.11.1.1 Classification: Internal Movement of NPA (Global) Segment Q2 FY 26 Q1 FY 27 Q2 FY 27 Opening Balance (Gross NPA) 19,640 15,306 14,454 + Fresh Slippage 887 1,778 1,160 + Debits in existing NPA accounts 8 53 41 Total Addition 895 1,831 1,201 - Cash Recovery 1,022 1,277 1,635 - Upgradation 418 392 135 - Written Off 1,081 1,014 236 Total Reduction 2,521 2,683 2,006 Closing Balance (Gross NPA) 18,014 14,454 13,648 Less: Provisions 13,484 10,435 10,091 Net NPA 4,530 4,019 3,557 Recovery in URI/UCI 253 272 415 Gross cash recovery (Recovery + Upgradation) 1,693 1,941 2,185 Asset Quality (Amt in ₹ Cr) 22
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121 111 ONE TO ONE Bank of India • •I1 61 1.11:1.1. • 1.11.1.1 IN No MP IN IN MI MP Classification: Internal Asset Quality Ratio (Global) Asset Quality Gross NPA Net NPA Gross NPA (%) Provision Coverage (%) Slippage Ratio (%) Credit Cost (%) 30.09.25 Net NPA (%) 30.06.26 18,014 14,454 4,530 4,019 2.54 1.81 0.65 0.51 93.39 93.83 0.14 0.24 0.07 0.15 (Amt in ₹ Cr) 23 13,648 0.1530.09.26 3,557 1.60 0.42 94.45 0.12
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111 ONE TO ONE Bank of India 121 • •I1 61 1.11:1.1. • 1.11.1.1 Classification: Internal Sector wise Classification of Gross NPA Sector Q2 FY 26 Q1 FY 27 Q2 FY 27 Amount % of total Amount % of total Amount % of total Retail 1,535 9 1,507 10 1,463 11 Agriculture 8,930 50 6,417 45 6,099 45 MSME 6,306 35 5,488 38 4,979 36 Corporate 999 6 885 6 939 7 Total Domestic 17,770 99 14,297 99 13,480 99 Overseas 244 1 157 1 168 1 Total Global 18,014 100 14,454 100 13,648 100 Asset Quality (Amt in ₹ Cr) 24
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-1= Classification: Internal SMA ₹ 5 Cr & above SMA Category 30.09.25 30.06.26 30.09.26 Amount % to Std Adv Amount % to Std Adv Amount % to Std Adv SMA-0 2,460 0.36 675 0.09 502 0.06 SMA-1 1,685 0.24 2,844 0.36 1,483 0.18 SMA-2 2,020 0.29 578 0.07 568 0.07 Grand Total 6,165 0.89 4,097 0.52 2,553 0.30 Sector-wise SMA 30.09.25 30.09.26 SMA-0 SMA-1 SMA-2 Total SMA-0 SMA-1 SMA-2 Total Agriculture 198 70 133 401 117 22 80 219 Retail 111 48 111 270 38 15 132 185 MSME 523 259 470 1,252 319 248 313 880 Corporate 1,628 1,308 1,306 4,242 28 1,198 43 1,269 Grand Total 2,460 1,685 2,020 6,165 502 1,483 568 2,553 Overall SMA reduced by ₹3,612 Cr during Q2 FY27 on YoY basis, with the SMA ratio declining from 0.89% to 0.30%, indicating an improvement in the portfolio. Asset Quality (Amt in ₹ Cr) 25
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111 ONE TO ONE Bank of India 121 • •I1 61 1.11:1.1. • 1.11.1.1 Classification: Internal Sector wise break-up of Fresh Slippages Sector Q2 FY 26 Q1 FY 27 Q2 FY 27 Amount % of total Amount % of total Amount % of total Retail 149 17 320 17 152 13 Agriculture 503 56 891 49 447 37 MSME 345 39 566 31 443 37 Corporate -84 -9 54 3 147 12 Total Domestic 913 102 1,831 100 1,189 99 Overseas -18 -2 0 0 12 1 Total Global 895 100 1,831 100 1,201 100 Asset Quality (Amt in ₹ Cr) 26
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111 ONE TO ONE 121 • •I1 61 1.11:1.1. • 1.11.1.1 Bank of India Classification: Internal Resolution Framework - Standard Restructuring (Domestic) as on 30.09.26 The restructured portfolio is only 0.41% of Gross Advances. Asset Quality Resolution Framework 1.0 Resolution Framework 2.0 One time Restructuring Total Provision % of Gross Advances Retail MSME Corporate & Others Total 216 2,418 - 2,634 205 0.41 131 536 229 896 7 20 - - 20 - 367 2,954 229 3,550 212 (Amt in ₹ Cr) 27
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111 ONE TO ONE Bank of India 121 • •I1 61 1.11:1.1. • 1.11.1.1 Classification: Internal Summary of NCLT Cases Domestic as on 30.09.26 The bank maintains strong provisioning against NCLT accounts, with 95% coverage as on 30.09.26 Asset Quality (Amt in ₹ Cr) 28 Particulars No. of Accounts Total Book Outstanding (FB) Provision held Provision % RBI List -1 2 1,404 1,404 100% Cases filed and admitted in NCLT by our Bank 5 1,501 1,501 100% 73 5,338 4,497 84% 7 414 286 69% 215 20,551 19,897 97% 1 112 92 82% RBI List -2 Cases under admission in NCLT by our Bank Cases filed and admitted in NCLT by other Bank Cases under admission in NCLT by other Bank 5 1,628 1,628 100%Cases under ILFS Restructuring 308 30,948 29,304 95%Total
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Classification: Internal Capital & Share Holding
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Ard 0 a by Bank's Board 121 111 ONE TO ONE Bank of India • •I1 61 1.11:1.1. • 1.11.1.1 1(---1___/T\ A . 0 . Classification: Internal Capital Raising in FY 27 (AT1 & Tier II Bonds) Capital Adequacy Capital 29 (Amt in ₹ Cr) Particulars Regulatory Capital 30.09.25 30.09.26 Capital Adequacy - Basel III CET-1 Capital 66,255 81,055 Tier I Capital 69,107 82,555 Tier II Capital 10,459 10,471 Total Capital (CRAR) 79,566 93,026 Risk Weighted Assets (RWA) 4,76,865 5,23,230 CET-1 (%) including CCB 8.00% 13.89 15.49 Tier I (%) 9.50% 14.49 15.78 Tier II (%) 2.00% 2.19 2.00 Capital Adequacy Basel III (%) (incl CCB) 11.50% 16.69 17.78 Particulars 30.09.25 30.09.26 Total RWA 4,76,865 5,23,230 Credit RWA 4,08,767 4,47,873 Market RWA 16,479 21,144 Operational RWA 51,619 54,213 Additional Tier-I : ₹ 2,500 crore Tier-II Bonds : ₹ 5,000 crore Total : ₹ 7500 crore (to be raised in FY 27) Approved
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1r 1r 121 111 ONE TO ONE Bank of India • •I1 61 1.11:1.1. • 1.11.1.1 Classification: Internal Ratings and Shareholding Pattern Share Holding Particulars Shareholding (%) As on 30.06.26 Shareholding (%) As on 30.09.26 Government of India 73.38 73.38 Life Insurance Corp 7.83 7.49 Indian Public 4.64 4.70 Others 14.15 14.43 Total 100.00 100.00 The bank continues to maintain strong domestic credit ratings of AAA / AA+ across leading rating agencies, supported by a majority Government shareholding of 73.38% Domestic Long Term Rating CRISIL Ltd. AA+ (Stable) ICRA Ltd. AA+ (Stable) India Ratings AA+ (Stable) CARE Ratings AA+ (Stable) ACUITE Ratings AAA (Stable) Domestic Short Term Rating CARE Ratings A1+ S&P Global Ratings BBB (Long)/ A-2 (Short) 30 Government of India (Promoter), 73.38% LIC, 7.49% Indian public, 4.70% Others, 14.43% Shareholding Snapshot as on 30.09.2026 Overseas Rating Fitch Ratings BBB-(Long)/F3 (Short) (Stable)
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111 ONE TO ONE 121 • •I1 61 1.11:1.1. • 1.11.1.1 Bank of India (14 ■ 0 S 0 rr- 0 Classification: Internal Overseas Business Operations Parameters 30.09.25 30.06.26 30.09.26 Deposits 1,23,203 1,32,961 1,37,401 Advances 1,11,795 1,23,942 1,51,160 Business Mix 2,34,998 2,56,903 2,88,561 Total Income 2,188 2,499 3,070 Operating Profit 419 412 525 Net Profit 337 303 409 Gross NPA 244 157 168 Net NPA 61 43 49 USA UK JAPAN SINGAPOREGIFT CITY HONG KONG BELGIUM DUBAI FRANCE KENYA VIETNAM Geography-wise Advances Composition (%) 28% 20% 15% 12% 11% 7% 2% 2% 1% 1% 1% Advances by Segment (%) (Amt in ₹ Cr) 31 Overseas Performance 29% 24% 47% Local Lending India-Linked Trade Finance
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121 111 ONE TO ONE Bank of India • •I1 61 1.11:1.1. • 1.11.1.1 IMP Classification: Internal Overseas Subsidiaries and Associates Q2 FY 27 Overseas subsidiaries and associates continue to contribute positively, with all entities reporting profits in Q2 FY 27 Subsidiaries / Associates Capital Deposits Advances Business Mix Interest Income Operating Profit Net Profit Bank of India (New Zealand) Ltd. Bank of India (Tanzania) Ltd. Bank of India (Uganda) Ltd. PT Bank of India Indonesia, Tbk Indo Zambia Bank 267 78 367 1,922 201 529 738 1,034 1,799 10,729 873 596 738 2,560 5,811 1,402 1,334 1,772 4,359 16,540 29 41 74 112 762 10 12 51 32 412 4 11 39 25 283 (Amt in ₹ Cr) 32 Overseas Group Performance
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121 111 ONE TO ONE Bank of India • •I1 61 1.11:1.1. • 1.11.1.1 Classification: Internal Domestic Subsidiaries and Associates 30.09.26 The Bank's domestic investment portfolio comprises 8 entities across subsidiaries, associates and joint ventures, supporting a diversified financial services ecosystem (Amt in ₹ Cr) Sr. No. Name of the Company Nature of Business Net Worth (BOI Share) % Holding Subsidiaries - Domestic BOI Merchant Bankers Ltd. 01 Merchant Banking activities 25 100.00 BOI Services Ltd. 02 Depository Participants & Corporate BSA Activity for Bank of India 45 100.00 Bank of India Investment Managers Pvt. Ltd. 03 Mutual Fund business 80 100.00 Bank of India Trustee Service Pvt. Ltd.04 Trustee Service to Mutual Fund Co. 1 100.00 Associates - Domestic STCI Finance Ltd05 NBFC 1,136 29.96 ASREC (India) Ltd.06 Asset Reconstruction Company 93 27.30 Madhya Pradesh Grameen Bank07 Regional Rural Bank 1,090 35.00 Joint Venture - Domestic Star Union Dai-Ichi Life Ins. Co. Ltd. 08 Life Insurance Company 525 27.48 33 Domestic Group Performance
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121 111 ONE TO ONE Bank of India • •I1 61 1.11:1.1. • 1.11.1.1 Classification: Internal Branch Network & Geographical Presence Branch Network 30.09.25 30.09.26 Domestic Branches 5,375 5,611 Metro 993 1,052 Urban 874 956 Semi Urban 1,598 1,660 Rural 1,910 1,943 Overseas Branches 22 21 Digital Banking Units 2 2 The Banks physical reach in Q2 FY27 is 5,634 branches and over 38,566 customer touchpoints across domestic and overseas locations. 34 Branch Network Total Branches 30.09.25 5,399 30.09.26 5,634 ATMs & CRAs 30.09.25 7,696 30.09.26 7,668 Bank Correspondents 30.09.25 23,956 30.09.26 25,264 Customer Touch Points 30.09.25 37,051 30.09.26 38,566
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Bank of India g) 111 ONE TO ONE 121 • ..11•1 1.11..1.1. • 1.11.1.1 fr lir igrigu,]4 =MN= Ma im Sintatir A - :ii. &I , Ng 4.11. Classification: Internal Overseas Network Categories No. of foreign offices Overseas branches (20) 20 Overseas subsidiaries (4) 23 Overseas Associates (1) 1 IFSC Banking Unit (IBU)-GIFT City 1 Total No. of Foreign Offices 45 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, U.K., France, Belgium, Tanzania, Kenya, Uganda, Zambia, UAE., Indonesia, Singapore, Vietnam, New Zealand, China & Japan. 35 Overseas Our London Branch completed 80 years of its operations.
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Classification: Internal Digital, ESG & Others
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'BOINZ Freedom' Classification: Internal Digital Banking Digital Initiatives Driving digital innovation to deliver seamless banking experiences and operational excellence. 36 Digital Lending Platform 55 products (37 Assisted + 18 Self-serve) now live; e-Signing & e-Documentation (DDE) Launch of Credit Cards • Bank has launched UPI linked Rupay Credit Card under PM SVANidhi scheme for Street Vendors • Launched Microcredit Card for SME customers. Star Sampark 2.0 Next-gen CRM is being developed for 360-degree customer view with ML-driven insights across branch, mobile, web, & contact-center Digital Transformation • 37 ML models in production across eight business domains • 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 automation Centralised V-CIP Centre Centralized V-CIP centre is now operational for seamless account opening through the E-platform Overseas Initiatives • Single Euro Payment Area (SEPA) made live for Paris branch operations • M-PESA mobile money services now available for Kenya Centre • mobile banking application launched by Bank of India (New Zealand) Limited BOI Omni NEO Platform • Omni Corporate Internet Banking is live • New Virtual Debit Card has been introduced FX-Retail Platform Designed specifically for retail customers to offer Transparent and Competitive Forex Trading Banking Connect Interoperable payment system with simpler one- time integration for merchant transactions 3-Clik Journey Issuance of credit cards to ETB potential customers through 3-clik journey.
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121 111 ONE TO ONE Bank of India • •I1 61 1.11:1.1. • 1.11.1.1 I a Classification: Internal Digital Banking Alternative Delivery Channels (ADC) Digital Banking Digitally Generated Business (Q2 FY 27) Omni Platforms Savings & TDR Volume 1,04,874 39% growth Savings & TDR Value ₹ 1,938 Cr Compared to ₹1,399 Cr in Q2 FY 26 Third-Party Product Sales Volume (Insurance/MF/etc.) 1,08,193 73% growth Y-o-Y ADC Banking Volumes Q2 FY 27 Q2 FY 27 1.77 2.21 25% Growth Volume of Transactions (Nos. in Billion) Q2 FY 26 Q2 FY 27 8,354 12,039 Growth Value of Transactions (₹ Billion) Q2 FY 26 44% 37 Debit Cards 3.84 crore + Mobile Banking (Omni Neo) 1.49 crore + Internet Banking (Omni Neo) 1.11 crore + BOI CBDC App 2.43 lakh +POS/ QR Code 11.01 lakh + ADC Footprint as on 30.09.26
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II la> 111 ONE TO ONE 121 • •I1 61 1.11:1.1. • 1.11.1.1 Bank of India r Classification: Internal Major Products offered through Digital Platform Digital Banking Digital Lending Platform Performance in Q2 FY 27 Total Digital Loan Sanction ₹38,068 Cr (+15% YoY) Retail Digital Sanction Value ₹17,960 Cr (+14% YoY) Agri Digital Sanction Value ₹16,599 Cr (+4% YoY) MSME Digital Sanction Value ₹3,509 Cr (+161% YoY) 38 Retail Loan MSME Loan Agriculture Loan Deposits Star Home Loan Top Up Loan Vehicle Loan Education Loan Loan/OD Against Property Pensioner Loan Personal Loan Solar Roof Top Loan Smart Home Loan MSME Renewal upto ₹10 lakh MSME up to ₹750 lakh Mudra Sishu Mudra Kishor Mudra Tarun Vehicle Express Loan (up to ₹ 750 lakh) Star Digibiz (up to 100 lakh) KCC - Crop Loan / Animal Husbandry Krishi Vahan Self Help Group Bhoomihin Kisan Card e-Smart Dairy Gold Loan Kisan Tatkal Saving Accounts Current Accounts Term Deposits Recurring Deposits (Including Flexi RD) Harit Jama Yojana - Green Deposits
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ag BANK'S INITIATIVES 111 ONE TO ONE 121 • •I1 61 1.11:1.1. • 1.11.1.1 Bank of India O 0 Classification: Internal Cyber Security Governance Compliance & Achievements Detection Tools of Mule Accounts MuleHunter.AI - Tool I4C - Data AMLOCK Tool NPCI Data Dept. of Telecom (DOT) - Data Cyber Security Center of Excellence (CS-CoE) Centralized IT GRC Management ISO 27001:2022 ISO 22301:2019 PCI DSS Certified Extensive Cyber Awareness Activities Centralized Cyber Threat Intelligence Management Proactive Attack Surface Management Cyber Governance and Compliance 39 Digital Banking Bank has conducted CyberShield Hackathon in coordination with IIT Hyderabad Bank has initiated AI Enable Red teaming as proactive security measure Gap Assessment against RBI Cybersecurity, Technology: Risk, Resilience and Assurance Framework Directions, 2026 Preparation of Quantum safe policy and framework for Bank Action plan in place for AI Generated cyber attack (e.g. Mythos) Establishment of Inhouse Threat hunting Team AI assisted internal vulnerability assessment
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121 111 ONE TO ONE Bank of India • •I1 61 1.11:1.1. • 1.11.1.1 L lir • • • Classification: Internal Performance of Analytics based Leads (as on 30.09.26) Q1 Q2 Q3 Q4 3,618 2,720 898 FY24-25 FY25-26 FY26-27 3,368 3,433 1,500 3,220 11,521 2,895 Sanctioned Limit *From Q3 FY 2024-25 onwards Converted 1,27,974 leads having sanction limit of ₹21,567 Cr across 5 models as on 30.09.26. Home Loan ₹6,665 Cr 30.9% MSME Limit Enhancement ₹4,955 Cr 23% Personal Loan ₹3,522 Cr 16.3% Vehicle Loan ₹3,173 Cr 14.7% MSME CCOD & TL ₹3,213 Cr 14.9% Total ₹21,567 crore* (Amt in ₹ Cr) 40 Digital Banking 3,528 6,423
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111 ONE TO ONE Bank of India 121 • •I1 61 1.11:1.1. • 1.11.1.1 Classification: Internal Inclusive Growth Financial Inclusion Numbers in lakhs Key Highlights Banking services points: 54 BC/BCAs: 25,264 RSETI: 44 43 RSETI by Ministry of Rural Development. PMJDY PMSBY PMJJBY APY 41 Financial Inclusion 301 68 23 45 As of 30.09.2026
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111 ONE TO ONE 121 • LIILI FIVVI. • 1.11.1.1 Bank of India NY • IN I. • • *.? Classification: Internal Manpower No. of Centralized Units and Staff 30.09.26 Central Processing Unit No. of Units No. of Officers Pos Zonal Centralized 69 433 Operations Dept. SME City Centre & 133 1,032 SME Urban Centre Retail Business center 138 962 Star Krishi Vikas Kendra 168 569 Foreign Exchange 1 101 Back Office Transaction Monitoring 1 75 & KYC AML Department Human Resource and Business Ratios Parameter As on 30.09.26 Total No. of Employees 52,291 Female Employees 15,861 Male Employees 36,430 Business Per Employee 3,503* (₹ lakhs) (2,955 as on 30.09.25) Profit Per Employee 24.41* (₹ lakhs) (19.94 as on 30.09.25) Optimal Use of Talent. Delivering Performance. Creating Value | Empowered teams. Efficient structure. Stronger tomorrow. 42 Human Resources *including local overseas employees also
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111 ONE TO ONE Bank of India 121 • •I1 61 1.11:1.1. • 1.11.1.1 BOI LIGHT HR :6 , SAMVAAD Transformation (i Project Leading innovation .8: growth with 111 STAR Human Talent , • VidyAI 1 AVM" Classification: Internal People Initiatives Project StarLIGHT 43 Human Resources New Features added during Q2 FY 27 Manpower Composition AI Driven Local Training AI-curated local training with quizzes and role- plays, piloted in Mumbai South, 4.80/5 average rating Starlight Mobile App One-stop mobile access to key employee tools and performance insights, Star Sahayak Instant access to policies, process steps and compliance clarifications through a chat interface Manpower Position Numbers Officer 29,560 Award Staff 22,731 Total 52,291 Staff Average Age Numbers <30 8,342 > 30 to 40 31,648 > 40 to <50 11,961 120%+ improvement in "Developing employees for emerging banking priorities" Selective Impact Metric
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111 ONE TO ONE 121 • •I1 61 1.11:1.1. • 1.11.1.1 Bank of India "In house" to "Industry Level". • • • 160 Classification: Internal Learning & Development Initiatives 44 Operational Risk and Resilience for top executives of the Bank Locational Training On Product Excellence GEN AI Use Cases and Digital Products Acquisition of new Learning Management System (LMS) Inclusive Service training for front line staff: regional language, sign language etc. Cross Institution / Bank Training to progress from Bank-wide Inclusivity: Disability Awareness Sensitisation E-learning for All Employees Human Resources
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111 ONE TO ONE 121 • •I1 61 1.11:1.1. • 1.11.1.1 Bank of India 0 4 0 energy's Classification: Internal Accessible banking to the unbanked 3 Cr + PMJDY accounts so far; Cumulative balance: ₹18,000 Cr+ Over 18 lakh farmers supported through KCC account Total beneficiaries under PM SVANidhi scheme stands at 8.30 lakh small vendors; Total disbursement : ₹1,300 Cr Investing back in communities we serve 50% CSR Spending towards Health & Family Welfare. Cumulatively 4.48 lakh individuals has been trained through RSETIs. Inclusive Growth Environmental 45 Environmental, Social & Governance (ESG) Updates Q2 FY 27 Social Governance In FY 2026-27, Bank has become a signatory to Partnership for Carbon Accounting Financials (PCAF), committing to disclose its financed emissions according to PCAF standards. All new construction projects undertaken by the Bank are being planned and executed on the principles of sustainable development. It is further envisaged that all future Bank owned new construction projects shall invariably be developed as Green buildings. Green Finance exposure has crossed ₹14,000 Crs with renewable share at 88%, clean transportation share at 8% and that of sustainable water & waste management at 4%. In the H1 FY 2026-27, Bank has garnered ₹3000 crore of green deposits, which has been gaining significant traction among the customers. A total rooftop solar power capacity of 826 kW has been installed across Bank of India premises. Well defined corporate governance policies. Whistle blower policy enhancing transparency. As a part of employee welfare the bank holds regular health check up camps in various zones, along with other welfare centric measures. Prevention of sexual harassment of women at workplace policy. Well defined business continuity plan for seamless transition in unexpected circumstances. Strong priority on cyber security & fraud risk management. Over 2 lakh man hours of training to employees in various banking aspects. Women Empowerment Financed over 3.55 lakh women SHG groups, a cumulative amount of Rs. 14,000 crore has been financed. Women constitute 30% of workforce. 2.6% of staff comprises of differently abled persons. 71 of employees are from sports fraternity who excel in various National and International events, including concluded Asian Games. Diversity ESG
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Bank's website portal Er Branches • al 0 L EVEL 5 Classification: Internal Customer Service Excellence 46 CRM Next End-to-End Complaint & Grievances Redressal Mechanism Initiatives for Customer CRM Next Service Excellence Various Level Intake Digital platform, Email, Social Media, Internet & Mobile banking, Regulatory Channel Smooth workflow for Banking Ombudsman, CPGRAMS etc. Automate Flow Immediate acknowledgement With Tracker ID for future reference for resolution and also generated alert through SMS or Email. Customer Excellence Branch Banking Department (CEBB) For better customer Redressal and coordination with all level including DFS , CEBB department was formed to provide 360- degree solution to end-to-end customer service . Star Sampark A Digital platform was formed for better customer Redressal on real-time basis. Escalation Matrix Five level automated escalation System to ensure timely resolution. Customer Service
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121 ONE TO ONE • •II•1 FIL—OF • XI I I lot ,--i_ 41-ationshlp 6eyani Ebilfrom 21,551 pox lakh. Fir!!'t Ira , jip FTnctoni arc Empowering India's ogri-sector with our bouquet of loon products 1,21 -1%.=1•1• Your Bonk. Your Choices, Every Growth Story Begins at Home. Make Every Journey a Happy Occasion_ Ton Frce NMI 230 NS W' 1113 1944 ! Volt 7 wrichafrkKhdlaJsmli.ln I Fulani LIF on • Y., nt..1.....1c Why tie an Entrepreneur when you can be a remprenew. Udyami VanIto • Spa.latml ptairliota• Imiprol•d 44.1 ,1 414.1411/ 1. • Mill Slatri 1.131.1-12451 csrsist1}271• rgi•3447.11mr 1ma -ool WON la Mi. • ColamIlro. Nplo PS 41 • Ilslasmarna FISIVnarnaall J•oswp. w—r.5 BOl * VEHICLE EXPRESS LOAN HASSLE-FREE FINANCING FOR 1,4SMEs COMMERCIAL VEHICLES horn 2689 1.40, Talmover r Tap-up rito telling on Balance Tranefer faoility upper limn limit 0 1043% tp-road imance quick Jou-La:merle for seleVed vehicles processing Nil processing charges till 31.0327 . tai WOW OW; 1040:x4 161:14 za, Pli4O1 I P407913141. low Ipppnao.b.pnllicrmalka.hanic.41. I Falb.. 4p. op IMOD,. MIT U1 •M.., ?bib ) I A I • .• Xi. .1 I U. LI • 1301 liltoQuorrnbp Deyorbi ke.kieze Bank of India Aprwliocair Classification: Internal Products and Services 47
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Bank of India ONE TO ONE dankooli rtni .111.1 I cLoBAL Boi .F ATTE C H I NS- — 2026 YES BANK 1, TERRI d-dr Wrier* EL IN .11.• OF= . . Recognised for Excellence in Identity & Access Management lv" A proud 141c06011tIon i¢r exce.lie-r1C+7 In Icl-enllITy & ACC419A kolloritogio1 1en1 at the BIN MO Summit & Cltatkins 2026. ank of India Felicitated at GFF 2016 for Agent-to-Agent Integration Recognised for implementing A2A Unified AgentNxt Partner Integration, enabling multiple approved TSPs to be managed through a single standardised operating framework. nti id Classification: Internal Awards & Accolades 48
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r - "Bank"), "is", "aims", "will", "would", "indicating", "expected to", "guidance", "way forward", "expected", "estimate", "objective", "goal", "strategy", "philosophy", "project" 'forward bank's bank's _1 mi a Classification: Internal 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 statements. These forward-looking statements involve a number of risks, uncertainties and other factors that could cause actual results to differ materially from those suggested by the forward-looking statements. Although forward looking statements, contained in this presentation are based upon what Bank believes are reasonable assumptions but these risks and uncertainties include, dynamic and complex internal and external environment, including but not limited to market, business, legal risks / changes in law etc., having bearing on ability to successfully implement its strategy, future levels of non-performing loans, its growth and expansion in business, the impact of any acquisitions, the adequacy of its allowance for credit losses, its provisioning policies, technological implementation and changes, the actual growth in demand for banking products and services, investment income, cash flow projections, exposure to market risks as well as other risks. Bank of India undertakes no obligation to update the forward-looking statements to reflect events or circumstances after the date thereof. Note: All financial figures in the presentation are from Audited Financials / Limited Reviewed financials based on Management estimates . Any reliance on such financials by anyone shall be at their own risk / responsibility and bank shall not be liable for any loss/gain to any one in any manner whatsoever .
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f 113010 17) Classification: Internal 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. THANK YOU Follow us onVisit: www.bankofindia.bank.in