Press release for the Quarter ended September, 2026

ONE TO ONE aifix &tit D Bank of India N, *If T.. Ref. No.:HO:IRC:SVM:2026-27:254(cid:9) Date: 23.10.2026 Scrip Code: BANKINDIA Scrip Code: 532149 The Vice President - Listing The Vice-President - Listing Department, 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. TItV111:1-61VIT Dear Sir / Madam, Press Release - Unaudited (Reviewed) Financial Results (Standalone & Consolidated) for the 2nd Quarter / Half-Year ended 30.09.2026 We enclose a copy of the Press Release on the Unaudited (Reviewed) Financial Results (Standalone & Consolidated) for the 2nd Quarter/ Half-Year ended 30.09.2026. This is for your information & records. Thanking you, 1d417 Yours faithfully, (Usha Ramsinghani) cwirfi *iRci Company Secretary Classification: Public 1t11-4 chIci cm.(cid:9) Rich TittIrdlifff, RR' okitf-I, afrde H(cid:9) ef,(cid:9) 41-cciich, a1iAI TrI eiTcf, tAT TO,(cid:9) - 400 051 Head Office: Investor Relations Cell. Star House - I, 8th Floor, C-5, G-Block, Bandra Kurla Complex, Bandra (East), Mumbai - 400 051 Ph.: (022) 666.! /.490 : Fax: (022) 6668 4491 Email: headoffice.share@bankofindia.bank.in ONE TO O NE Bank of India ' Werationship beyondp bankin g PRESS RELEASE Date: 23rd October, 2026 Financial Results for the Quarter/Half Year ended 30th Sep. 2026 KEY HIGHLIGHTS (Q2FY27) 1. Global Business increased to ₹18,92,601 Crore, by 21.13% YoY. 2. Global Deposits increased to ₹10,37,530 Crore, by 21.59% YoY. 3. Global Advances increased to ₹8,55,071 Crore, by 20.58% YoY. 4. RAM Advances grew by 18.68% YoY and it constitutes 58.63% of Advances. 5. Operating Profit increased by 33.19% YoY to ₹5,089 Crore. 6. Net Profit increased by 25.34% YoY to ₹3,202 Crore. 7. Cost to Income Ratio (CIR) improved by 507 bps YoY to 47.95%. 8. Return on Assets (ROA) increased by 10 bps YoY to 1.01%. 9. Gross NPA ratio improved by 94 bps YoY to 1.60%. 10. Net NPA ratio improved by 23 bps YoY to 0.42%. 11. Slippage ratio stood at 0.15% and Credit Cost at 0.12%. 12. N et Interest Margin (NIM) [Global] improved by 6 bps YoY to 2.47%. 13. Return on Equity (ROE) increased by 142 bps YoY to 16.36%. 14. CRAR increased by 109 bps YoY to 17.78%, with CET-1 ratio at 15.49%. Classification: Public Page 1 of 6 vi-..it ......ww.bankcarntha.ccp.in(cid:9) I (cid:9) Follow us on Elan 7.,..,:..:. (cid:9) ,,,I Bank of India ° ONE TO ONE Rerationship beyond banking Profitability: Q2-FY27:  Net Profit for the quarter improved by 25.34% YoY and stood at ₹3,202 Cr for Q2 FY27 against ₹2,555 Cr in Q2 FY26.  Operating Profit increased by 33.19% YoY and stood at ₹5,089 Cr for Q2 FY27 against ₹3,821 Cr in Q2 FY26.  Net Interest Income (NII) increased by 18.52% YoY and stood at ₹7,007 Cr for Q2FY27 against ₹5,912 Cr for Q2FY26.  Non-Interest Income increased by 24.78% YoY and stood at ₹2,770 Cr for Q2FY27 against ₹2,220 Cr in Q2FY26. H1-FY27:  Net Profit improved by 30% YoY and stood at ₹6,270 Cr for H1 FY27 against ₹4,807 Cr in H1 FY26.  Operating Profit increased by 30% YoY and stood at ₹10,140 Cr for H1 FY27 against ₹7,830 Cr in H1 FY26.  Net Interest Income (NII) increased by 16% YoY and stood at ₹13,840 Cr for H1FY27 against ₹11,981 Cr for H1FY26.  Non-Interest Income increased by 22% YoY and stood at ₹5,349 Cr for H1FY27 against ₹4,386 Cr in H1FY26. Classification: Public Page 2 of 6 .......ww.bankofinclia.c.o.in I Follow us on Bank of India ° ONE TO ONE Rerationship beyond banking Ratios (Q2-FY27): NIM (Global) improved by 6 bps YoY to 2.47% in Q2FY27 against 2.41% in Q2FY26. NIM (Domestic) improved by 9 bps YoY to 2.75% in Q2FY27 against 2.66% in Q2FY26. * Return on Assets (RoA) improved by 10 bps YoY at 1.01% in Q2FY27 against 0.91% in Q2FY26. * Return on Equity (RoE) improved by 142 bps YoY at 16.36% in Q2FY27 against 14.94% in Q2FY’26. * Cost to Income ratio (Global) improved by 507 bps YoY to 47.95% in Q2FY27 against 53.02% in Q2FY26. Slippage ratio stood at 0.15% and Credit Cost at 0.12% in Q2FY27. Yield on Advances (Global) stood at 7.59% and Cost of Deposits (Global) stood at 4.85% in Q2FY27. Ratios (H1-FY27): NIM (Global) improved by 2 bps YoY to 2.50% in H1FY27 against 2.48% in H1FY26. NIM (Domestic) improved by 2 bps YoY to 2.76% in H1FY27 against 2.74% in H1FY26. Return on Assets (RoA) improved by 14 bps YoY to 1.01% in H1FY27 against 0.87% in H1FY26. Return on Equity (RoE) improved by 205 bps YoY to 16.19% in H1FY27, against 14.14% in H1FY26. Cost to Income ratio (Global) improved by 500 bps YoY to 47.16% in H1FY27 against 52.16% in H1FY26. Classification: Public Page 3 of 6 .......ww.bankofinclia.c.o.in I Follow us on Bank of India ° ONE TO ONE Rerationship beyond banking Business: 1. Global Business increased by 21.13% YoY from ₹15,62,446 Cr in Sep’25 to ₹18,92,601 Cr in Sep’26. 2. Global Deposits increased by 21.59% YoY from ₹8,53,301 Cr in Sep’25 to ₹10,37,530 Cr in Sep’26. 3. Global Advances increased by 20.58% YoY from ₹7,09,145 Cr in Sep’25 to ₹8,55,071 Cr in Sep’26. 4. Overseas Deposits increased by 11.52% YoY to ₹1,37,401 Cr and Overseas Advances increased by 35.21% YoY to ₹1,51,160 Cr in Sep’26. 5. Domestic Deposits increased by 23.29% YoY from ₹7,30,098 Cr in Sep’25 to ₹9,00,129 Cr in Sep’26. 6. Domestic CASA went up by 7.17% YoY from ₹2,86,492 Cr in Sep’25 to ₹3,07,031 Cr in Sep’26 and CASA ratio stood at 34.16%. 7. Domestic Advances increased by 17.84% YoY from ₹5,97,350 Cr in Sep’25 to ₹7,03,911 Cr in Sep’26. 8. RAM Advances increased by 18.68% YoY from ₹ 3,47,726 Cr in Sep’25 to ₹4,12,670 Cr in Sep’26, constituting 58.63% of domestic Gross Advances in Sep’26. 9. Retail Credit increased by 19.27% YoY from ₹1,45,768 Cr in Sep’25 to ₹1,73,862 Cr in Sep’26. 10. MSME Advances increased by 20.27% YoY from ₹97,834 Cr in Sep’25 to ₹1,17,668 Cr in Sep’26. 11. Agriculture Credit increased by 16.34% YoY from ₹1,04,124 Cr in Sep’25 to ₹1,21,140 Cr in Sep’26. Classification: Public Page 4 of 6 .......ww.bankofinclia.c.o.in I Follow us on Bank of India ° ONE TO ONE Rerationship beyond banking Asset Quality: 1. Gross NPA declined by 24.24% YoY from ₹18,014 Cr in Sep’25 to ₹13,648 Cr in Sep’26. 2. Net NPA declined by 21.47% YoY from ₹4,530 Cr in Sep’25 to ₹3,557 Cr in Sep’26. 3. GNPA ratio improved by 94 bps YoY from 2.54% in Sep’25 to 1.60% in Sep’26. 4. Net NPA ratio improved by 23 bps YoY from 0.65% in Sep’25 to 0.42% in Sep’26. 5. Provision Coverage Ratio (PCR) stood at 94.45% in Sep’26 as against 93.39% in Sep’25. Priority Sector: 1. Priority Sector Advances increased by 12.03% YoY and achieved 46.24% of ANBC as on Sep’26. Agricultural advances achieved 19.32% of ANBC. 2. Advances to Small & Marginal Farmers achieved 13.84% of ANBC in Sep’26 against regulatory norm of 10%. 3. Advances to Weaker Sections achieved 17.51% of ANBC in Sep’26 against regulatory norm of 12%. Financial Inclusion: Bank has opened 7.07 Lakh new PMJDY accounts during H1FY27. (No. in Lacs) JANSURAKSHA ENROLLMENT 30.09.26 PMJJBY 23 PMSBY 68 APY 45 Digital Banking: 1. Internet Banking (Omni Neo) users increased to 1.11+ crore as on Sep’26. 2. Mobile Banking (Omni Neo) users increased to 1.49+ crore as on Sep’26. 3. Digital Transactions (in No.) improved by 25% YoY to 2.21 billion in Sep’26. Classification: Public Page 5 of 6 .......ww.bankofinclia.c.o.in I Follow us on Bank of India ° ONE TO ONE Rerationship beyond banking Branch Network: 1. Bank has a total Customer Touch Points of 38,566 as on 30.09.2026. 2. Bank has 5,611 number of Domestic branches with Rural: 1,943 (35%), Semi-Urban: 1,660 (30%), Urban: 956 (17%) and Metro: 1,052 (18%). Social Media Presence: Number of Followers on Social Media as on 30.09.26: facebouk X (Twitter) Linkedin 91:12k 166k 145k Instagram(cid:9) Youtube 375k(cid:9) 157k ******* Classification: Public Page 6 of 6 Vrsit www.bankofrntha.c.o.in I Follow US on ..v. em- r, tfeb- 1344 1 121 Rsal 0 (cid:9) rM sff- Riff-+-.1,7 Classification: Public gic [Showing first 8,000 characters — download PDF for full document]