Bank of India — PPTs, 29-07-2025: Investor Presentation

Here is the financial summary:

**1. Financial Highlights:**

Bank of India's Q1 net profit soared 32.27% YoY to ₹2,252 Cr, driven by a 66.37% jump in non-interest income. Global business expanded 10.37%. Asset quality sharply improved: Gross NPA dropped 170 bps to 2.92% and Net NPA to 0.75%. Return on Assets reached 0.82%.

**2. Strategic Initiatives & Growth Drivers:**

The bank is driving digital transformation with UPI on Credit Card, an expanded e-platform, and new tech projects like Star ADITYA. A ₹5,000 Cr capital plan and ₹20,000 Cr infrastructure bond approval for FY26 signal ambitious growth intentions. ESG initiatives include green deposits.

**3. Business Developments:**

RAM (Retail, Agri, MSME) advances were a key growth engine, up 16.69% YoY, now forming 58.03% of domestic advances. Retail loans jumped 19.62%. Digital onboarding added 2.2 lakh new deposit accounts in Q1, complementing growth in overseas operations.

**4. Market Position & Competitive Advantage:**

Extensive branch and digital networks provide broad market reach. Portfolio de-risking towards RAM segments and high investment-grade corporate advances strengthens asset quality. Proactive digital adoption enhances efficiency and customer experience.

**5. Investor Implications:**

Robust net profit growth and improving asset quality indicate positive growth potential. The strategic shift towards granular retail segments and digital innovation are strong tailwinds. Investors should monitor the slight YoY decline in Net Interest Income and Net Interest Margin.