Bank of India
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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.
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Q1 26/27 earnings summary24 Jul, 2026

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.

Additional provisions for large stressed accounts
Capital infusion impact on ASREC shareholding
Outstanding for projects under implementation
Explain the jump in Corporate SMA-1 accounts
Strategy for reversing the CASA ratio decline
Drivers for the 55 bps YoY drop in asset yields
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