Analysts/Institutional Investor Meet/Con. Call Updates

f ir Bank of India GP i0-f T. Ref. No.:HO:IRC:AB:2026-27:269(cid:9) TcP Date: 30.10.2026 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, Dalai Street, Bandra Kurla Complex, Bandra East, Mumbai 400 001 Mumbai 400 051. Unaudited (Reviewed) Financial Results for the 2nd quarter and half year ended 30th September, 2026 Bank's Earnings Call with the Analysts and Investors - Transcript With reference to the above and pursuant to the applicable provisions of SEBI (LODR) Regulations, 2015, we herewith enclose the transcript of post results Earnings Call for Unaudited (Reviewed) Financial Result for the 2nd Quarter and half year ended ,D'n ut h September, 2026 The transcript of Q2 FY27 Earnings Call is uploaded on Bank's website and the same can be accessed through below link: https://bankofindia.bank.in/analvst-conference-call-transcript This is for your information and records. Yours faithfully, (Usha Ramsinghani) Company Secretary Trum iv RI 0,4 k Nig, Tit'. :Trot, Rrri.(cid:9) afrai 4-1 et, 45, It-GoTen , VtAT c *ism, Ai T TO, 4-4 400 051 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.bankin Bank of India (3 Q2 FY27 Earnings Call Transcript October 23, 2026 Bank of India Q2 FY27 Earnings Con-Call 23rd October, 2026 Management: 1. Shri Rajneesh Karnatak, MD & CEO 2. Shri P.R. Rajagopal, Executive Director 3. Shri Subrat Kumar, Executive Director 4. Shri Rajiv Mishra, Executive Director 5. Shri Pramod Dwibedi, Executive Director Page 1 of 24 Bank of India Q2 FY27 Earnings Call Transcript October 23, 2026 Moderator A very good evening to everyone present here. On behalf of Bank of India, I extend a very warm welcome to all the esteemed analysts who have joined us today in person, as well as those who have joined us virtually from different cities across India. We’re very pleased to announce Bank of India’s financial results for Q2FY27. I would like to introduce the Bank of India’s management present here for today’s Analyst Meet Shri Rajneesh Karnatak - MD & CEO, Shri P.R. Rajgopal - Executive Director, Shri Subrat Kumar - Executive Director, Shri Rajiv Mishra - Executive Director and Shri Pramod Kumar Dwivedi - Executive Director. We will now begin with this analyst briefing. To start, I would like to invite Shri Rajneesh Karnatak to address this gathering, after which we will open the floor for Q&A session. Over to you, sir. Shri Rajneesh Karnatak, MD & CEO: Thank you, madam. So good evening, friends. Good evening, ladies and gentlemen. It is a pleasure to have you with us for today’s analyst meet after the announcement of our Q2 FY27 financial results. Thank you for your continued interest and engagement with Bank of India. I look forward to sharing our quarterly performance and engaging with you on our progress and priorities. As we look ahead to the second half of FY27, the global environment remains challenging, with geopolitical conflicts, elevated crude oil prices and tighter financial conditions keeping inflationary pressures alive and prompting several central banks to raise interest rates. Against this backdrop, India has demonstrated resilience, with Q2 GDP growth reflecting the strength of domestic demand and the economy’s firm underlying fundamentals. At the same time, rising inflation has prompted the RBI to raise the repo rate by 25 basis points, balancing price stability with the need to sustain growth. For banks, the opportunity now lies in translating this stability into stronger business growth. Page 2 of 24 Bank of India Q2 FY27 Earnings Call Transcript October 23, 2026 My remarks today are divided into three parts. 1. Institutional Initiatives i. Under our Predict-Monitor-Supervise framework, we’ve developed Star Radar – a predictive model that analyzes data to identify emerging risks of our branch network and trigger early warnings for swift intervention. ii. A dedicated Gold Loan Cell is being set up to drive robust portfolio monitoring, policy implementation, and direct operational support for our branches. iii. Yuva Banking Mitra will be designated at every branch to assist with youth account opening, promote youth-focused products, and encourage safe and responsible digital banking. iv. OCR- based CTS validation is being implemented as an additional alpha- numeric layer in the Cheque Truncation System to verify cheque codes during clearing and bolster fraud prevention. 2. Business i. Global business grew by 21.13% YoY from Rs.15.62 lakh crore in Sept’25 to Rs.18.92 lakh crore in Sept’26 with an incremental growth of Rs.3.30 lakh crore. ii. Global Deposits increased by 21.59% YoY from Rs. 8.53 lakh crore in Sept’25 to Rs. 10.37 lakh crore in Sept’26 with incremental growth of Rs. 1.84 lakh crore. iii. Domestic Deposits increased by 23.29% YoY from Rs. 7.30 lakh crore in Sept’25 to Rs. 9.00 lakh crore in Sept’26 with incremental growth of Rs. 1.70 lakh crore. iv. CASA increased YoY from Rs. 2.86 lakh crore in Sept’25 to Rs. 3.07 lakh crore in Sept’26 with incremental growth of Rs. 20,539 crores and CASA ratio stood at 34.16%. v. Global Gross Advances increased by 20.58% YoY from Rs. 7.09 lakh crore in Sept’25 to Rs. 8.55 lakh crore in Sept’26 with an incremental growth of Rs. 1.46 lakh crore. Page 3 of 24 Bank of India Q2 FY27 Earnings Call Transcript October 23, 2026 vi. Domestic Gross Advances increased by 17.84% YoY from Rs. 5.97 lakh crore in Sept’25 to Rs. 7.04 lakh crore in Sept’26 with incremental growth of Rs. 1.07 lakh crore. vii. RAM advances increased by 18.68% YoY from Rs. 3.48 lakh crore in Sept’25 to Rs. 4.13 lakh crore in Sept’26 constituting 58.63% of Gross Advances in Sept’26 with incremental growth of Rs. 0.65 lakh crore. 3. Profitability & Asset Quality i. Operating Profit improved by 33.18% YoY and stood at Rs. 5,089 crores for Sept’26 against Rs. 3,821 crores in Sept’25. ii. Net Profit increased by 25.32% YoY and stood at Rs. 3,202 crores for Sept’26 against Rs. 2,555 crores in Sept’25. iii. NII increased by 18.52% YoY and stood at Rs. 7,007 crores for Sept’26 against Rs. 5,912 crores in Sept’25. iv. Non-Interest Income increased by 24.77% YoY and stood at Rs. 2,770 crores for Sept’26 against Rs. 2,220 crores in Sept’25. v. Global NIM stood at 2.47% in Sept’26 against 2.41% in Sept’25. vi. Slippage ratio stood at 0.15% in Sept’26 against 0.14% in Sept’25. vii. Credit Cost stood at 0.12% in Sept’26 against 0.15% in June’26. viii. There has been improvement in asset quality with reduction in both Gross NPA ratio and Net NPA ratio. Gross NPA ratio improved by 94 bps YoY to 1.60% for Sept’26. Net NPA ratio improved by 23 bps YoY to 0.42% for Sept’26. ix. Provision Coverage Ratio (PCR) improved to 94.45% in Sept’26 against 93.39% in Sept’25. x. As on 30.09.2026, Bank’s CRAR stood at 17.78% against 16.69% as on 30.09.2025. Page 4 of 24 Bank of India Q2 FY27 Earnings Call Transcript October 23, 2026 As we progress through the second half of FY27, the emphasis will be on strengthening the Bank’s competitive position, deepening customer relationships and leveraging emerging opportunities across the banking landscape. Our focus will remain on building a resilient institution that delivers consistent performance and creates long term value for all stakeholders. Against this backdrop, our guidance for FY27 is - global advances to grow by 15-16%, and global deposits by 16-17%. Going forward, bank’s emphasis will be on strengthening the ability to respond to a changing economic and regulatory environment, capitalizing on emerging opportunities across business segments, and ensuring that our growth translates into consistent financial performance and lasting stakeholder confidence. Thank you once again for joining us today. [Showing first 8,000 characters — download PDF for full document]