Bank of India Corporate Overview

STRONG LIABILITY FRANCHISE Total Deposits INR Bn 5,400.32 5,208.54 5,208.62 5,151.28 5,221.38 FY17 FY18 4.68% FY17 FY19 9MFY19 9MFY20 Cost of Average Deposits¹ 4.56% FY18 39.84% Million 41.43% CASA % बैंक ऑफ़ इंडिया Bank of India 43.36% 42.65% 42.69% FY17 FY18 FY19 4.56% 86.57 4.48% 4.46% FY19 9MFY19 9MFY20 FY17 Customer Base 9MFY19 9MFY20 100.64 99.03 94.04 94.89 FY18 FY19 9MFY19 9MFY20 The deposit base largely comprises retail and the lack of bulk deposits provides the Bank with a deposit base with a lower concentration risk and increases the spread of the liability portfolio 1 Cost of Average Deposits is interest expense on Deposits divided by total quarterly average (Closing) Deposits 10

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