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Bank of India (BANKINDIA) investor relations material
Bank of India Q1 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Q1 FY27 saw robust growth with global business up 16.57% YoY, net profit rising 36.23% YoY to ₹3,068 crore, and improved asset quality with Gross NPA at 1.81% and Net NPA at 0.51%.
Unaudited standalone and consolidated financial results for Q1 FY27 were approved by the Board on July 24, 2026, with auditors issuing an unmodified opinion.
Digital transformation, ESG initiatives, and operational excellence were key focus areas.
Financial highlights
Global business reached ₹17.55 lakh crore, global deposits ₹9.58 lakh crore, and global advances ₹7.98 lakh crore.
Net Interest Income rose 12.61% YoY to ₹6,833 crore; Non-Interest Income up 19.07% YoY to ₹2,579 crore.
Operating profit up 25.99% YoY to ₹5,051 crore; net profit up 36.23% YoY.
Standalone total income for Q1 FY27 was ₹22,52,847 lakh; standalone net profit after tax was ₹3,06,790 lakh.
Cost-to-income ratio improved to 46.33% from 51.31% YoY.
Outlook and guidance
Guidance for FY27: global advances to grow 15%-16%, global deposits 13%-14% YoY.
ROA guidance at 1%+; global NIM targeted at 2.55%-2.60%; cost-to-income ratio expected at 48%-49%.
Board approved capital raising of up to ₹7,500 crore in FY27 via AT1 and Tier II bonds.
Focus on balanced growth, digital transformation, and RAM portfolio expansion.
- Net profit rose 19.8% YOY, asset quality and capital ratios improved, digital expansion ongoing.BANKINDIA
Q1 24/259 Jul 2026 - Q2 FY25 net profit up 63% YoY, asset quality and capital ratios improved, bonds raised.BANKINDIA
Q2 24/258 Jul 2026 - Net profit up 32%, asset quality improved, and digital initiatives accelerated.BANKINDIA
Q1 25/268 Jul 2026 - Net profit up 35% YoY, strong growth in advances, digital, and improved asset quality.BANKINDIA
Q3 24/2519 Jun 2026 - Net profit up 46% YoY, asset quality improved, and a ₹4.05 dividend per share recommended.BANKINDIA
Q4 24/2519 Jun 2026 - Net profit up 14% YoY, asset quality improved, and ₹4.65 dividend per share recommended.BANKINDIA
Q4 25/2614 May 2026 - Net profit up 7% YoY, with strong advances growth and improved asset quality metrics.BANKINDIA
Q3 25/2614 Apr 2026 - Net profit rose 14.04% YoY, asset quality improved, and capital adequacy remained robust.BANKINDIA
Q2 25/2617 Oct 2025
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