Bank of India

“we are expecting that we want to maintain this kind of run rate during the entire year.”

“that budget remains intact. So that kind of spending we’ll be doing in this financial year 27.”

“the main numbers are from renewable energy of more than Rs.12,000 crores”

“In power sector, we have more than Rs. 9,000 crores pipeline, in road sector, again we have more than Rs. 5,000 crore, in Oil and gas, we have more than Rs. 5,000 crore”

“And then we also have created pipeline in the pool and co-lending and the supply chain platform which is around Rs. 4,000 crores.”

“Apart from that, we have a digital platform also now, as you are aware. There also we are having a pipeline of somewhere around Rs. 3,000 crores.”

“in Cement in which again more than Rs. 4,000 crore, in Manufacturing, particularly with the textile and others, we have more than Rs. 2,700 crore, in Construction Rs. 2,100 crore, in Automobiles also more than Rs. 2,000.”

“Presently, the book has already touched more than somewhere around Rs. 1,000 crores, and we are confident for more business because this has just started in this financial year only.”

“we have already given a target to our 69 zones that every month they have to onboard one new vendor for supply chain.”

“So, if you see our growth in the quarter, in the current quarter itself, we grown by almost 10% in that.”

“we are having a gold loan book of around Rs. 61,000 crores.”

“advances in overseas we have touched Rs. 1,51,000 crores. In deposit, this is Rs. 1,37,000 crores.”

“Average ticket size is growing in housing loan and vehicle loan also.”

“At present, we do not see any impact which may have on our business growth numbers for this financial year.”

“So already we have given some sanctions for Data Center, some in-principle approvals are already there.”

“Some of the in-principles and final approvals also we have given for the data center. And definitely this is one area which is in our mind for funding.”

“If you see our global NIM, which was 2.52%, has come down to 2.47% as on 30th of September, and there has been a reduction of 5 basis points.”

“66% of our domestic advances are external benchmark-linked, which is repo only.”

“So, the day the repo was raised by the RBI, we also had an ALCO meeting, same day we have passed on the increase in the repo rate.”

“So, that impact on this Rs. 40,000 crores is around 5 basis points. That is the impact which has happened in the global NIM. So, this 5 basis point impact is because of the FCNR which is there.”

“And if I share with you the data, we have raised FCNR of $2.2 billion.”

“However, if you see in absolute terms, we have grown our CASA by 7% in spite of these challenging times and also on absolute number, it has grown by more than Rs. 20,000 crores on a YoY basis.”

“which makes it 77% from the franchise, which is the retail franchise, which means that the bulk deposit is only 23%.”

“To meet that credit growth, we are taking some bulk deposits, because of which this CASA percentage is looking lower, which is at present 34%.”

“As on 30.09.2026, Bank’s CRAR stood at 17.78% against 16.69% as on 30.09.2025.”

“We are 73.8%, so that we are already complied. So, at present, we have no indication from the government to further reduce this number.”

“We don’t have any plan also as on date for raising any capital.”

“In this presentation also, if you see, there are four products we have launched in this quarter on the digital side.”

“the provisions have been reversed in the standard assets. That is one of the major components where Rs. 213 crores have been reversed in this quarter.”

“There are 2-3 accounts, not a single account, but I can say that there are 2-3 accounts which were lumpy accounts.”

“So, this reduction in the SMA number is because of the one account which was under SMA, now moved out of SMA and as per the RBI circular for which we made some provisions and now that provision has been reversed, so that is the advantage.”

“So, we expect that from Q3 onwards we will be making the provisions. Q3 and Q4 will be the 2 quarters when we should be making the front loading of the provisions as far as the ECL is concerned.”

“So, as far as the present provision on the ECL is concerned, we do not have any provision on ECL side.”

“And with that kind of profitability being there, the additional provision of 0.5% per annum will be taken care by the profitability itself.”

“So, by quarter 3, we will have the Board approval also, we will be in a clear position to give you some clear guidance about the numbers.”

“in Q1 there were slippages of around Rs. 1,800 crore. This quarter also there is a slippage of around Rs. 1,100 crore.”

“we have PCR of more than 94% and tangible PCR of somewhere around 73%.”

“If you see the last half year provisions that we have made, it was only Rs. 1,500 crores as of that day. Today, if you see, we almost got 2,100 plus.”

“the provisions which we hold in standard asset reduced around near Rs. 400 crores in first half, so which is not reflected in the results.”

“The main growth has come from recovery from the written-off assets, where the growth has been 190% on a YoY basis, and now it has touched Rs. 978 crores.”

“And also from the treasury income profit from the exchange transaction, where the growth is 157%, and it has touched the number of Rs. 411 crores.”