Investor Presentation

Ns an*I WO 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 Performance Analysis Q1 FY 2026-27 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 Business Performance 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 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 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 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% 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. Business Performance Retail Loans (Amt in ₹ Cr) Growth Particulars 30.06.25 31.03.26 30.06.26 YoY (%) Home loans 69,197 79,178 81,213 17 Vehicle loans 21,001 24,726 25,296 20 Education loans 3,846 4,590 4,609 20 Mortgage loans 10,762 15,617 16,280 51 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. 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 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 Business Performance NBFC Portfolio Global Outstanding (Amt in ₹ Cr) Portfolio Mix (%) Particulars 30.06.25 31.03.26 30.06.26 76% 78% 30.06.25 31.03.26 30.06.26 AAA 61,866 76,456 78,037 AA 18,436 18,830 18,316 A 3,688 3,370 3,315 4% 4% 3% 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 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 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 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. Business Performance Benchmark-wise Distribution of Advances Standard Domestic (Amt in ₹ Cr) Others 8% Base Rate Benchmark Standard Advances Share Rates as on 30.06.26 (%) MCLR EBLR 4,35,365 66.01 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 * Includes Fixed Rate loans, FCL, Loan against TDR, etc. 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 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 [Showing first 8,000 characters — download PDF for full document]