#1Azadi ka Amrit Mahotsav G20 2013 INDIA PERFORMANCE ANALYSIS Q1 FY 2023-24 BOIX Glorious 117 years.... Bank of India Relationship beyond banking#2T G2 Azadi Ka Amrit Mahotsav मस्त 2023 INDIA Key Highlights Business Performance Financial Performance Asset Quality Capital & Shareholding Other Parameters 1 Table of Contents Key Highlights 3 2 Business Performance 4 3 Financial Performance 15 4 Asset Quality 19 5 6 Capital & Shareholding 26 Other Parameters 28 Bank of India Relationship beyond banking Glorious 117 years.... 2 Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in#3TE G2 Azadi Ka Amrit Mahotsav 2023 INDIA Key Highlights Bank of India Relationship beyond banking Global Business Increased by 8.61% Performance Highlights - Q1FY24 - YoY CASA Global Advances Increased by 7.56% Increased by 8.48% Yield on Advances Increased by. 157 bps by ↑ Retail Advances Agri. Advances MSME Advances NIM Increased by 15.05% Increased by 10.10% 1 Increased by 9.19% Increased by 49 bps 1 Gross NPA % Net NPA % Provision Cover % Net Profit Decreased by 263 bps Decreased by 56 bps ↓ 176% Glorious 117 years... Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in $ Increased by 156 bps Increased by 3#4TE G2 Azadi Ka Amrit Mahotsav 2023 INDIA Business Performance Global Business 11,85,438 11,18,481 12,14,808 Bank of India Relationship beyond banking Amt in Rs. Cr 5,15,852 5,18,264 YOY 4,77,746 Particulars Growth % Business Mix 8.61 Global Advances 8.48 Global Deposits 8.71 6,40,734 6,69,586 6,96,544 30.06.2022 31.03.2023 ■ Global Deposits 30.06.2023 ■Global Advances Glorious 117 years.. Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in 4#5TE G2 G20 Azadi Ka Amrit Mahotsav 2023 INDIA Business Performance Bank of India Relationship beyond banking Global Deposits and Advances Amt in Rs. Cr Domestic and Overseas Deposits Domestic and Overseas Advances 6,96,544 6,69,586 5,15,852 5,18,264 6,40,734 1,07,027 1,02,523 94,786 Global Share 15 % 4,77,746 84,215 85,018 76,536 Global Share 16% Global Global 5,45,949 5,67,063 5,89,517 Share 4,01,210 4,31,637 4,33,246 Share 85% 84 % 30.06.2022 31.03.2023 30.06.2023 30.06.2022 31.03.2023 30.06.2023 Domestic Overseas Domestic Overseas Growth % Growth % Particulars Particulars YOY YOY Global Deposits 8.71 Overseas Deposits 12.91 Global Advances Overseas Advances 8.48 11.08 Domestic Deposits 7.98 7.98 Domestic Advances Glorious 117 years.... Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in $ LO#6TE G2 Azadi Ka Amrit Mahotsav 2023 INDIA Business Performance 48% Jun-22 5% 8% Domestic Deposit 45% 39% Mar-23 6% 10% 44% 39% 6% 12% Jun-23 Bank of India Relationship beyond banking Amt in Rs. Cr ■ CURRENT ■ SAVINGS 38% ■ TD- Bulk Deposits ■ TD- Retail Deposits Types of Deposits Savings Account Current Account CASA (Amount / %) Bulk Deposits (%) 30.06.2022 2,11,861 30,440 31.03.2023 2,21,349 30,800 30.06.2023 2,25,020 35,596 2,42,300 / 44.70% 2,52,149 / 44.73% 2,60,615 / 44.52% 7.66 11.99 9.93 Glorious 117 years.. Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in CO 6#7TE G2 G20 Azadi Ka Amrit Mahotsav 2023 INDIA Business Performance Composition of Gross Advances (Domestic) Bank of India Relationship beyond banking Amt in Rs. Cr Growth Particulars Agriculture 30.06.2022 31.03.2023 30.06.2023 YOY% 66,125 72,379 72,801 10.10% MSME 65,197 70,777 71,190 9.19% Retail RAM Corporate & Others Govt. Guaranteed Advances Gross Domestic Advances 83,407 2,14,729 1,37,683 48,798 4,01,210 4,31,637 94,716 2,37,872 95,963 15.05% 2,39,954 11.75% 1,49,583 1,52,223 10.56% 44,182 41,069 -15.84% 4,33,246 7.98% RAM Advances (%) 53.52% 55.11% 55.39% RAM + Govt. Guaranteed Advances (%) 65.68% 65.35% 64.86% Glorious 117 years.. Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in 7#8Azadi Ka Amrit Mahotsav G20 2023 INDIA Business Performance Particulars Home loans Vehicle loans Education loans Mortgage loans Personal loans Retail Loans Bank of India Relationship beyond banking Amt in Rs. Cr Growth 30.06.2022 31.03.2023 30.06.2023 ΥΟΥ (%) 46,230 51,897 52,417 13.38% 11,379 13,584 13,609 19.60% 2,710 3,002 3,034 11.96% 7,576 8,240 8,237 8.72% 5,309 6,915 7,115 34.02% 10,203 11,078 11,551 13.21% 83,407 94,716 95,963 15.05% 31.03.2023 30.06.2023 Others incl. Staff Loans, Loans agst TDR Total Retail Loans 9% 3% 7% 13% 30.06.2022 12% 9% 56% 3% 12% 7% 14% 12% 7% 9% 55% 3% 14% Home loans ■Vehicle loans Education loans ■Mortgage loans 55% Glorious 117 Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in Personal loans Others Loans years... 8#9TE G2 G20 Azadi Ka Amrit Mahotsav 2023 INDIA Business Performance Priority Sector Advances Bank of India Relationship beyond banking Particulars Regulatory Target Growth 30.06.2022 31.03.2023 30.06.2023 Y-O-Y (%) ANBC 3,50,418 3,83,380 3,83,641 9.48 Priority Sector 1,51,979 1,64,445 1,65,486 8.89 % To ANBC 40.00 43.37 Agriculture 66,125 42.89 72,379 72,801 43.14 -0.24 10.10 % TO ANBC 18.00 18.87 18.88 18.98 0.11 Small and Marginal 38,655 43,253 46,399 20.03 Farmers % TO ANBC 10.00 11.03 11.28 12.09 1.06 Weaker Section 49,445 56,558 57,744 16.78 % TO ANBC 12.00 14.11 14.75 15.05 0.94 Micro Enterprises (PS) 39,917 43,137 43,240 8.32 % To ANBC 7.50 11.39 11.25 11.27 -0.12 Note: Our Bank has undertaken trading of PSLC and earned Rs. 55.70 Cr in Q1FY24 Amt in Rs. Cr Glorious 117 years... Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in 9#10TE G2 G20 Azadi Ka Amrit Mahotsav 2023 INDIA Business Performance Bank of India Relationship beyond banking Particulars Domestic Credit-Industry Wise 30.06.2022 31.03.2023 30.06.2023 % to Domestic Amt in Rs. Cr Growth Advances YOY (%) Infrastructure 65,963 65,181 67,054 15.48 1.65 Basic Metal & Metal products 12,161 14,523 16,926 3.91 39.18 Textiles 7,248 7,264 6,734 1.55 -7.09 Gems & Jewellery 4,206 3,975 3,893 0.90 -7.44 Chemicals & Chemical products 6,271 6,233 6,618 1.53 5.53 Vehicles & Transport equipment 2,892 2,764 2,772 0.64 -4.15 Rubber, Plastic & their products 3,216 3,134 3,134 0.72 -2.55 Construction 3,906 3,857 4,868 1.12 24.63 Real Estate 54,021 61,952 61,461 14.19 13.77 - Residential Mortgage 52,546 59,104 59,683 13.78 13.58 - CRE 1,475 2,848 1,778 0.41 20.54 NBFC (Incl. HFCs) 60,030 62,550 61,030 14.09 1.67 Other Industries 25,711 34,741 32,435 7.49 26.15 Total 2,45,625 2,66,174 2,66,925 61.61 8.67 Glorious 117 years.. Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in 10#11TE G2 G20 Azadi Ka Amrit Mahotsav 2023 INDIA Business Performance Domestic Advances - Infrastructure Sector 30.06.2022 31.03.2023 30.06.2023 Bank of India Relationship beyond banking Amt in Rs. Cr Particulars Power a) SEBS - Generation Growth YOY (%) 44,585 42,145 43,503 -2.43 20,974 18,945 16,688 -20.43 9,211 8,503 8,153 -11.49 - Transmission 2,615 1,980 1,919 -26.62 - Distribution 9,148 8,462 6,616 -27.68 b) PSUs & Pvt Power Cos 23,611 23,200 26,815 13.57 Roads and Ports 15,575 16,150 16,461 5.69 Telecom 373 383 364 -2.41 Other Infrastructure 5,429 6,503 6,725 23.87 Total 65,962 65,181 67,053 1.65 Glorious 117 years.. Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in 11#12TE G2 G20 Azadi Ka Amrit Mahotsav 2023 INDIA Business Performance Benchmark wise Distributions of Advances Benchmark Rates Share (%) Base Rate BPLR Others Base Rate 6.26 Fixed Rate* RBLR 41.96 Out of which 16.31 (Corporate Credit) MCLR 35.44 Fixed Rate* 6.31 MCLR BPLR 0.23 Others 9.81 Grand Total 100.00 * Fixed Rate loans includes Loan against TDR, Staff Loans, etc. Bank of India Relationship beyond banking RBLR Glorious 117 years.. 12 Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in#13TE G2 Azadi Ka Amrit Mahotsav 2023 INDIA Business Performance External Ratings Distribution of Corporate Advances 86% 7% 4% 3% Mar-23 ■ A & above ■ BBB * Domestic Corporate Advances - Above Rs. 50 Cr 85% 8% 4% 3% Jun-23 Below BBB ■ Unrated Bank of India Relationship beyond banking Glorious 117 years.. Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in 13#14TE G2 G20 Azadi Ka Amrit Mahotsav 2023 INDIA Business Performance Particulars Domestic Investments 31.03.2023 30.06.2023 Bank of India Relationship beyond banking Amt in Rs. Cr AFS HTM HFT AFS HTM HFT SLR Investments 30,943 1,24,113 -30 34,355 1,25,350 1446 Of Which: Government Securities 30,943 1,24,113 -30 34,355 1,25,350 1446 Other Approved -- -- Securities M Duration 1.2 6.67 2.3 3.68 Non SLR Investments M Duration 13,726 30,767 52 13,261 29,060 2 2.77 2.41 2.67 Total 44,669 1,54,880 22 47,616 1,54,410 1,448 Glorious 117 years.. 14 in Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on#15Azadi Ka Amrit Mahotsav G20 Financial Performance HUR 2023 INDIA Net Interest Income (Global) Bank of India Relationship beyond banking Amt in Rs. Cr Particulars Interest Income Q1FY23 Q4FY23 FY23 Q1FY24 a. Advances 9,972 13,449 47,648 14,359 6,969 9,440 33,368 9,681 b. Investments 2,785 3,296 11,943 3,476 c. Money Market Operations & Others 218 713 2,337 1,202 Interest Expended 5,900 7,926 27,373 8,444 a. Deposits 5,452 6,431 23,627 7,062 b. Borrowings 267 1,302 3,017 1,187 c. Subordinated Bonds & Others 181 193 729 195 Net Interest Income 4,072 5,523 20,275 5,915 Net Interest Margin (%) 2.55 3.15 3.01 3.03 Glorious 117 years.. Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in 15#16Azadi Ka Amrit Mahotsav G20 Financial Performance HUR 2023 INDIA Non Interest Income (Global) Bank of India Relationship beyond banking Amt in Rs. Cr Particulars Q1FY23 Q4FY23 FY23 Q1FY24 Commission, Exchange & Brokerage 286 366 1,368 355 Profit from Sale and Revaluation of -148 1,717 1,836 297 Investments Profit from Exchange Transactions 431 153 1,004 183 Recovery In W/o accounts Profit on Sale to ARC 66 301 1,073 183 106 18 134 Third Party Commision Other Non Interest Income Total Non-Interest Income 27 51 178 32 384 493 1,507 413 1,152 3,099* 7,100 1,462 * Includes one of item of Rs. 1646 Cr for provision for SRS on account of classification to NPI Glorious 117 years... 16 Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in#17Azadi Ka Amrit Mahotsav G20 Financial Performance HUR 2023 INDIA Particulars Operating Profit and Net Profit (Global) Bank of India Relationship beyond banking Amt in Rs. Cr Q1FY23 Q4FY23 FY23 Q1FY24 Operating Profit 2,183 4184* 13,393 3,752 Provisions for - Bad & Doubtful 1,304 546 3,602 777 Standard Assets and others 23 374 2,354 111 - Dep. on Non-Performing Investment -5 1,130 1,208 -63 Total Provisions before Tax 1,322 2,051 7,163 824 Profit before Tax (PBT) 861 2,133 6,229 2,928 Taxation 300 783 2,206 1,377 Net Profit (PAT) 561 1,350 4,023 1,551 *Includes one of item of Rs. 1646 Cr for provision for SRS on account of classification to NPI Glorious 117 years... 17 Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in#18Azadi Ka Amrit Mahotsav G20 HUR 2023 INDIA Financial Performance Key Financial Ratios (Global) Bank of India Relationship beyond banking Particulars Q1FY23 Q4FY23 FY2023 Q1FY24 Yield on Advances (%) 6.53 7.95 7.37 8.10 Yield on Investments (%) 6.40 6.82 6.51 6.79 Yield on Funds (%) 5.46 6.70 6.15 7.34 Cost of Deposits (%) 3.49 3.91 3.67 4.22 Cost of Funds (%) 3.23 3.95 3.53 4.32 Net Interest Margin (NIM) (%) 2.54 3.15 3.01 3.03 - Domestic NIM (%) 2.87 3.59 3.43 3.37 - Overseas NIM (%) 0.97 1.09 1.07 1.36 Cost to Income Ratio (%) 58.22 51.48 51.08 49.14 Credit Deposit Ratio 74.56 77.04 77.04 74.41 Return on Assets (%) 0.29 0.63 0.49 0.71 Return on Equity (%) 6.84 13.52 10.31 14.90 Credit Cost (Annualised) (%) 1.21 0.45 0.79 0.64 Book Value Per Share (Tangible) (Rs) 91.61 100.22 100.22 107.65 Book Value Per Share (Rs) 114.17 121.15 121.15 124.98 Glorious 117 years.. Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in 18#19TE G2 G20 Azadi Ka Amrit Mahotsav 2023 INDIA Asset Quality Asset Classification: Global Advances Bank of India Relationship beyond banking Amt in Rs. Cr Sectoral As on 30.06.2022 As on 31.03.2023 As on 30.06.2023 O/s Share (%) O/s Share (%) O/s Share (%) Standard Advances 4,33,332 90.70 4,78,167 92.69 4,83,682 93.33 Gross NPA 44,415 9.30 37,686 7.31 34,583 6.67 - Sub-Standard 4,363 0.91 4,984 0.97 5.298 1.02 - Doubtful 18,842 3.94 15,106 2.93 16,173 3.12 - Loss 21,209 4.44 17,595 3.41 13,111 2.53 Gross Advances 4,77,746 100.00 5,15,852 100.00 5,18,265 100.00 Glorious 117 years.. Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in 19#20TE G2 Azadi Ka Amrit Mahotsav 2023 INDIA Asset Quality SMA-Rs. 5 Cr and above SMA Position of Rs. 5.00 crores and above 31.03.2023 Bank of India Relationship beyond banking Amt in Rs. Cr 30.06.2023 SMA Category Amount % to Gross % to Amount Gross Adv Adv SMA-O 14,991 2.91% 12,479 2.41% SMA-1 1,198 0.23% 603 0.12% SMA-2 779 0.15% 1,261 0.24% Grand Total 16,968 3.29% 14,343 2.77% 31.03.2023 30.06.2023 Sector / SMA SMA-0 SMA-1 SMA-2 SMA-O SMA-1 SMA-2 Agriculture 1,066 147 135 880 119 182 Retail 595 90 37 471 79 64 MSME 3,410 479 402 3,705 316 489 Corporate 9,921 483 205 7,423 88 526 Grand Total 14,991 1,198 779 12,479 603 1,261 Glorious 117 years.... 20 Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in 20#21TE G2 Azadi Ka Amrit Mahotsav 2023 INDIA Bank of India Relationship beyond banking Asset Quality Resolution Framework - Standard Restructuring (Domestic) Amt in Rs. Cr Outstanding as on 30.06.2023 Resolution Resolution % on Gross Category Framework Framework One Time Restructuring Total Provision Advances 1.0 2.0 Retail 385 4,302 4,687 469 MSME 460 2,041 691 3,192 285 Corporate & 1.96% 375 1,915 2,290 205 Others 1,220 6,343 2,606 10,169 959 Total Glorious 117 years.. Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in 21#22TE G2 G20 Azadi Ka Amrit Mahotsav 2023 INDIA Asset Quality Bank of India Relationship beyond banking Segment Movement of NPA (Global) Opening Balance (Gross NPA) Add: Amt in Rs. Cr Q1FY23 Q4FY23 FY23 Q1FY24 45,605 38,885 45,605 37,686 - Fresh Slippage · Debits in existing NPA 2,465 2,541 6,861 2,379 368 84 1108 170 - Total Addition Less: - Cash Recovery Upgradation 2,833 2,625 7,969 2,549 1,219 1,824 6,029 1,120 WW 465 91 1,204 700 - Written Off 2,340 1,909 8,655 3,831 Total Reduction 4,024 3,824 15,888 5,652 Closing Balance (Gross NPA) 44,414 37,686 37,686 34,583 Less: Provisions 34,639 29,632 29,632 26,464 Net NPA 9,775 8,054 8,054 8,119 Glorious 117 years... Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in 22 22#23TE G2 G20 Azadi Ka Amrit Mahotsav 2023 INDIA Asset Quality Sector wise breakup of Fresh Slippages Bank of India Relationship beyond banking Amt in Rs. Cr Q1FY23 Q1FY24 Sector Gross Net % Share Gross Net % Share Agriculture 1,011 734 26 1,330 918 36 Retail 670 361 13 747 472 19 MSME 1,772 908 32 1,532 920 36 Corprate 1,024 492 17 373 191 7 Total Domestic 4,477 2,495 88 3,982 2,501 98 Overseas 338 338 12 48 48 2 Total Global 4,815 2,833 100 4,030 2,549 100 Glorious 117 years.. 23 in 23 Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on#24TE G2 G20 Azadi Ka Amrit Mahotsav 2023 INDIA Asset Quality Asset Quality Ratio (Global) Bank of India Relationship beyond banking Amt in Rs. Cr Particulars Gross NPA 30.06.2022 31.03.2023 30.06.2023 44,415 37,686 34,583 Net NPA 9,775 8,054 8,119 Gross NPA (%) 9.30 7.31 6.67 Net NPA (%) 2.21 1.66 1.65 Provision Coverage (%) 87.96 89.68 89.52 Slippage Ratio (%) 0.69 0.64 0.53 Credit Cost (%) 1.21 0.45 0.64 Glorious 117 years.. Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in 24 24#25TE G2 Azadi Ka Amrit Mahotsav 2023 INDIA Asset Quality Summary of NCLT Cases – Domestic (As on 30.06.2023) - Bank of India Relationship beyond banking Amt in Rs. Cr No of Total Book Provision Provision Particulars Accounts O/s held (%) 2 RBI List -1 1,439 1,439 100 9 RBI List -2 1,948 1,948 100 68 Cases filed and admitted in NCLT by our Bank 5,791 5,059 87 3 Cases under admission in NCLT by our Bank 34 30 89 222 Cases filed and admitted in NCLT by other Bank 22,701 21,016 93 5 309 Cases under admission in NCLT by other Bank Total 689 652 95 32,602 30,144 92 Note: NPA Reduction in NCLT Accounts: 1049 Cr in Q1FY24 Glorious 117 years.. 25 in 25 Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on#26TE G2 Azadi Ka Amrit Mahotsav 2023 INDIA Capital & Shareholding Bank of India Relationship beyond banking Capital Adequacy (As on 30.06.2023) Amt in Rs. Cr Particulars 30.06.2022 31.03.2023 30.06.2023 Capital Adequacy - Basel III CET-1 Capital 42,164 48,232 47,909 Tier I Capital 43,516 51,084 50,761 Tier II Capital Total Capital (CRAR) 7,664 6,643 6,632 51,180 57,727 57,393 Risk Weighted Assets 3,27,914 3,54,534 3,67,924 CET-1 (%) including CCB 12.86 13.60 13.02 Tier 1 (%) 13.27 14.41 13.80 Tier II (%) 2.34 1.87 1.80 Capital Adequacy Basel III (%) (incl CCB) 15.61 16.28 15.60 Glorious 117 years.. 26 Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in 26#27TE G2 Azadi Ka Amrit Mahotsav 2023 INDIA Capital & Shareholding 5.71% 5.83% 7.05% Shareholding Pattern as on 30.06.2023 Bank of India Relationship beyond banking ■ Promoter (Government of India) Particulars ■Life Insurance Government of India Corporation 81.41% Indian public ■ Others Life Insurance Corporation Indian Public Others Total Shareholding Pattern As on 30.06.2023 81.41% 7.05% 5.71% 5.83% 100.00% Glorious 117 years.. Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in 27#28TE G2 Azadi Ka Amrit Mahotsav 2023 INDIA Other Parameters Digital Banking - Alternate Delivery Channels ATM & CRM (Actual Count) 8,214 8,225 Internet banking Users (in thousands) 7,949 30.06.2022 31.03.2023 30.06.2023 12,991 UPI Users (in thousands) 8,088 8,463 Bank of India Relationship beyond banking 8,548 30.06.2022 31.03.2023 30.06.2023 Mobile banking Users (in thousands) 8,032 8,466 15,579 16,288 6,107 30.06.2022 31.03.2023 30.06.2023 30.06.2022 31.03.2023 30.06.2023 Glorious 117 years... in Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on 28#29TE G2 Azadi Ka Amrit Mahotsav 2023 INDIA Other Parameters Bank of India Relationship beyond banking Digital Channels - Digi Journeys Digital Journeys rolled out Segment KCC <1.60 lakhs Gold Loan Agriculture SHG Personal Loan Pensioner Loan Retail Vehicle Loan Savings Accounts MSME- Renewal -Up to 10.00 lakhs Mudra- Kishore MSME Mudra- Tarun Mudra- Shishu Small Road Transport Operators Digital Journeys proposed to be rolled out in next 6 months KCC 1.60 lakhs Kisan Vahan KCC Renewal Agri-Food Agro Loan against TDR Preapproved Personal Loan Home Loan Top Up Loan Working capital >10.00 lakhs upto 2 Cr Working Capital Review Preapproved Business Loan Glorious 117 years... Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in 29 29#30TE G2 Azadi Ka Amrit Mahotsav 2023 INDIA Other Parameters 271.43 30.06.2022 Bank of India Relationship beyond banking Financial Inclusion- Social Security Schemes 285 PMJDY 282 PMJJBY Number in lakhs 31.03.2023 Cumulative Accounts 59 30.06.2023 30.06.2022 PMSBY 190 172 144 30.06.2022 98 94 31.03.2023 ■Cumulative enrollments APY 26 24 21 30.06.2023 28 30.06.2022 31.03.2023 30.06.2023 31.03.2023 30.06.2023 ■Cumulative enrollments ■Cumulative enrollments Glorious 117 years.. 30 Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in#31TE G2 Azadi Ka Amrit Mahotsav 2023 INDIA Other Parameters Bank of India Relationship beyond banking Overseas Business Operations Categories No of foreign offices Overseas Branches (21) 21 Overseas Subsidiaries (4) 22 Overseas Joint Ventures (1) 1 Representative Offices 1 IFSC Banking Unit (IBU)- GIFT 1 Total No of Foreign Offices 46 Parameters 30.06.2022 31.03.2023 30.06.2023 Deposits 94,786 1,02,523 1,07,027 Advances 76,536 84,215 85,018 Business Mix 1,71,322 1,86,738 1,92,045 Total Income 477 1,520 1,665 Operating Profit 153 302 313 Net Profit 81 222 281 Gross NPA 6,695 3,435 3,370 Net NPA 434 61 45 Amt in Rs. Cr Note: Major Global Business Centers are US (New York), London, Paris, Antwerp, Tokyo, Singapore, Dubai and Hong Kong. Spread across 5 continents and 15 countries Glorious 117 years... in 31 Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on#32TE G2 Azadi Ka Amrit Mahotsav Other Parameters 2023 INDIA Overseas Subsidiaries and Joint Ventures Bank of India Relationship beyond banking Amt in Rs. Cr Subsidiary/Joint Venture Capital Deposits Advances Business Interest Operating Net Mix Income Profit Profit Bank of India (New Zealand) Ltd. 255 416 672 1,089 13 7 LO 5 Bank of India (Tanzania) Ltd. 76 525 361 886 13 4 2 Bank of India (Uganda) Ltd. 268 601 385 985 34 19 3 PT Bank of India Indonesia, Tbk 1,917 1,436 1,552 2,988 47 6 5 Indo Zambia Bank (JV)* 923 4,374 2,108 6,482 422 217 138 * Provisional Data as on HY ended Jun 23 Glorious 117 years.. Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in 32 32#33TE G2 Azadi Ka Amrit Mahotsav 2023 INDIA Other Parameters Bank of India Relationship beyond banking Domestic Subsidiaries and Joint Ventures S No Name of the Company Nature of Business Book value (in INR Crores) Percentage Holding 1 BOI Merchant Bankers Ltd. BOI Shareholding Ltd. 2 Bank of India Investment 3 Managers Pvt. Ltd. Subsidiaries - Domestic Merchant Banking Company Depository Participants activities for NSDL & CDSL Mutual Fund Managers Company 10.00 100.00 6.65 100.00 78.90 100.00 Bank of India Trustee 4 Services Pvt. Ltd. Trustee Service to Mutual Fund Co. 0.00021 100.00 Associates - Domestic 5 STCI Finance Ltd. NBFC 130.10 29.96 ASREC (India) Ltd. Asset Reconstruction 6 Company 27.60 26.02 Joint Venture - Domestic 7 Star Union Dai Ichi Life Ins. Co. Ltd. Life Insurance Company 132.92 28.96 Glorious 117 years.. Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in 33 33#34TE G2 Azadi Ka Amrit Mahotsav 2023 INDIA Other Parameters RRBs Sponsored by Bank of India S No Name of the Company Bank of India Relationship beyond banking Area of operation Business Mix Profit 1 Madhya Pradesh Gramin Bank 2 Vidharbha Konkan Gramin Bank 3 Aryavart Bank Madhya Pradesh 30,325 26 Maharashtra 9,058 8 Uttar Pradesh 53,544 8 Glorious 117 years.. Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in 34 =5#35TE G2 Azadi Ka Amrit Mahotsav 2023 INDIA Other Parameters Bank of India Relationship beyond banking Initiatives and Going forward ☐ RuPay Gift Card: Bank have introduced Gift Card in RuPay along with existing Visa Card scheme. □ VISA Bingo Debit Card: Bank have introduced VISA BINGO. The Bingo Cards are exclusively for Students of the age between 15 and 25. ☐ Credit Card Onboarding through E-platform (STP of credit card): Bank is in the process of implementing E-platform for online onboarding of various products of the bank. Credit card onboarding is also one of the products which will be on boarded through Branch and Web channel. □ BOI Merchant Credit Card: We have introduced Merchant Credit Card (MCC) facility for traders under MSME category to help these units tide over short-term liquidity woes and to promote digital payments. Glorious 117 years.. Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in 35 55#36TE G2 Azadi Ka Amrit Mahotsav 2023 INDIA Other Parameters Bank of India Relationship beyond banking Initiatives and Going forward ☐ Bank has introduced scheme for extending financial Assistance to Sugar Mills for Enhancement and Augmentation of the Ethanol Production Capacity. □ Our Bank has made live Account Aggregator for all 3 RRBs sponsored by us. ☐ Bank is spreading awareness amongst masses especially in under privileged members of society in Rural areas regarding thrift and availability of Micro finance for small entrepreneurship through 51 FLCs and 106 CFLs. ☐ Our Bank has centralized processing of Trade Finance transactions and other forex business at GIFT City, Gandhinagar. ☐ Bank has implemented TRRACS solution for faster reconciliation of shipping bills and bills of entry on RBI's EDPMS Portal. Glorious 117 years.. 36 Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in#37TE G2 Azadi Ka Amrit Mahotsav Other Parameters 2023 INDIA Bank of India Relationship beyond banking Awards and Accolades OPT Bank of India Indonesia, the Subsidiary of our Bank has been ranked as no. 1 bank in Indonesia in the category of "Best Conventional Bank under KBMI I Category' as declared by CNBC Indonesia. Our Bank was awarded "3" of Digidhan Awards 2021-22 by the Union Ministry of Electronics and Information Technology for achieving top position in overall performance in Digital Payments ☐ Bank has received Infosys "Finacle Innovation Awards 2023" (Gold Winner) under Category of Product Innovation for Product: HMCQR Menu. ☐ Bank has won for "NUMERO UNO" Award in "APY National Championship Cup" campaign from PFRDA for good performance in APY Campaign (01.10.2022 to 14.11.2022). Glorious 117 years.. 37 Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in#38TE G2 Azadi Ka Amrit Mahotsav 2023 INDIA Other Parameters Bank of India Relationship beyond banking Awards and Accolades □ Bank has won "Exemplary Award of Par Excellence" Award in "Circle of Excellence" campaign from PFRDA for good performance in APY Campaign (01.10.2022 to 14.11.2022). ☐ Bank has been nominated for "Annual APY Exemplary Award of Excellence" for achieving 162% of Annual APY target (FY 2022-23) from PFRDA. ☐ Bank has won "NUMERO UNO" Award in 'Old Age Financial Freedom" Campaign for best performer Bank in PSB (FY 2022-23). Glorious 117 years.. 38 in 88 Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on#39TE G2 Azadi Ka Amrit Mahotsav 2023 INDIA Other Parameters Bank of India Relationship beyond banking Rating Agency Infomerics External Ratings and Branch Network Domestic Long Term Rating Rating AAA (Stable) Branch Network Jun-2022 Mar-2023 Jun-2023 Domestic Branches 5,103 5,131 5,131 CRISIL Ltd. AA+ (Stable) - Metro 989 991 992 ICRA Ltd. AA+ (Stable) - Urban 820 829 829 India Ratings AA+ (Stable) CARE Ratings AA+ (Stable) - Semi Urban 1,457 1,456 1,456 Domestic Short Term Rating Rating Agency CRISIL Ltd. Rating A1+ Overseas Rating Rating Agency Fitch Rating Rural 1,837 1,853 1,852 - Digital Banking Units 2 2 Rating Overseas Branches 22 21 22 BBB- (Long) / F3 (Short) (Stable) Total No. of Branches 5,125 5,152 5,153 Glorious 117 years.. Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in 39#40TE G2 Azadi Ka Amrit Mahotsav 2023 INDIA Other Parameters Environmental, Social & Governance (ESG) Practices Environment Social | business controls ITH CORPORATE GOVERNANCE direction market rules Bank of India Relationship beyond banking Governance ➤ During the quarter ending Q1FY24, Bank has discounted 8353 Bills on TreDS platform amounting to 2253 Crore. ➤ The new corporate building at BKC is Gold Certified by Indian Green Building Council (IGBC). Under CSR, Bank has given Financial Assistance for plantation of 5700 trees which are planted across 27,000 sq ft. for creation of Ram Van near Bhopal. ➤ For Corporate Gifting, Practice of giving small oxygen generating plant instead of flower bouquet or other gift is introduced. | I | ➤ Bank has linked 8162 New SHG's to the I credit linkage with total sanction limit of . 1139.65 Crore during Q1FY24 and total outstanding to SHG's is . 6639.80 | Crore as on Q1FY24. During the quarter Bank has financed | 22,000 street vendor under the PM SVANidhi Scheme, increasing the total beneficiaries to 3,62,000 with I credit outstanding of 125.88 Crore as I on Q1FY24. ➤Bank has funded 5 social projects under CSR, amounting to *. 78.21 lacs during the Q1 FY24. Bank is having Board Approved ESG policy in place. Bank is committed to prudent Corporate Governance practices based on transparency, professionalism and accountability. ESG metrics are converted into 26 tangible actionable and mapped across 15 stakeholder departments, to improve Banks performance on ESG Metrics. Capacity Building on ESG and Climate Risk has been emphasised by the Bank, across the levels. Glorious 117 years... in 40 Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on#41TE G20 Azadi Ka Amrit Mahotsav 2023 INDIA Disclaimer Bank of India Relationship beyond banking "This presentation has been prepared by Bank of India (the "Bank"), solely for general information purposes, without 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 "is", "aims", "will", "would", "indicating", "expected to", "guidance", "way forward", "expected", "estimate", "objective", "goal", "strategy", "philosophy", "project" etc. and similar expressions or variations of such expressions may constitute "forward-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 bank's 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, bank's 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. Glorious 117 years... 41 Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in#42T Azadi Ka Amrit Mahotsav G20 2023 INDIA Bank of India Relationship beyond banking THANK YOU! Glorious 117 years... Toll Free No.: 1800 220 229 / 1800 103 1906 | Visit: www.bankofindia.co.in | Follow us on in