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Bank of India
Bank of India (BANKINDIA) investor relations material
Bank of India Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary23 Oct, 2026
Executive summary
Global business reached ₹18,92,601 crore at September 30, 2026, up 21.13% YoY; Q2 net profit rose 25% to ₹3,202 crore and H1 net profit rose 30% to ₹6,270 crore.
Gross and net NPA ratios improved to 1.60% and 0.42%; CRAR was 17.78%.
Board approved reviewed standalone and consolidated results for the quarter and half-year ended September 30, 2026; auditors issued unmodified opinions.
Financial highlights
Q2 operating profit was ₹5,089 crore, up 33% YoY; PBT was ₹4,291 crore, up 27%.
Q2 global NII rose 19% to ₹7,007 crore; non-interest income rose 25% to ₹2,770 crore.
H1 NII rose 16% to ₹13,840 crore; operating profit increased 30% to ₹10,140 crore and PBT rose 33% to ₹8,379 crore.
Operating expenses rose 9% YoY to ₹4,688 crore in Q2; H1 expenses increased 6% to ₹9,049 crore.
H1 operating cash flow turned positive at ₹18,72,119 lakh standalone and ₹18,30,299 lakh consolidated.
Outlook and guidance
FY27 targets: global advances growth of 15%–16% and global deposit growth of 16%–17%.
Management targets ROA above 1% in each ensuing quarter and for FY27; ROA was 1.01% in Q2 FY27.
Management estimates the 25 bps repo-rate increase could improve NIM by 6–7 bps; 66% of domestic advances are externally benchmark-linked, with deposit repricing expected to lag.
Credit pipeline stood at ₹86,000–87,000 crore across corporate, RAM, digital, pool/co-lending and supply-chain lending; management saw no current threat to FY27 growth targets from macro headwinds.
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Latest events from Bank of India
- Operating profit surged, losses narrowed, and NPA ratios improved amid pandemic uncertainty.BANKINDIA
Q4 19/20 - Q4 profit and improving asset quality marked progress despite a full-year loss.BANKINDIAQ4 18/19
- FY21 returned to profit as lower provisions offset falling NII and subdued advances.BANKINDIAQ4 20/21
- Profit rebounded 57.6%, but NII fell and capital ratios were revised.BANKINDIAQ4 21/22
- Profit grew 18.16% as margins strengthened and NPAs declined.BANKINDIAQ4 22/23
- Profit rose 57% as asset quality improved, despite higher deposit costs and a one-time tax charge.BANKINDIAQ4 23/24
- Q1 FY27 saw 36.23% net profit growth, improved asset quality, and strong capital ratios.BANKINDIAQ1 26/27
- Net profit rose 19.8% YOY, asset quality and capital ratios improved, digital expansion ongoing.BANKINDIAQ1 24/25
- Q2 FY25 net profit up 63% YoY, asset quality and capital ratios improved, bonds raised.BANKINDIAQ2 24/25
Next Bank of India earnings date
Q3 26/2720 Jan, 2027
Bank of India
Next Bank of India earnings date
Q3 26/2720 Jan, 2027
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