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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
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
- Profit rose 30.4% as deposits, lending and capital expanded.BANKINDIA
Q4 96/97 - Operating profit rose to ₹697.18 crore as deposits grew, despite rising net NPAs.BANKINDIAQ4 97/98
- Operating profit rose, but net profit fell amid shrinking spreads and elevated provisions.BANKINDIAQ4 98/99
- Record operating profit and doubled earnings amid lower NPA ratios and softer capital adequacy.BANKINDIAQ4 01/02
- Record FY03 profit growth, offset by margin and asset-quality pressures.BANKINDIAQ4 02/03
- Record profit and stronger capital, with lower NPAs but persistent spread and litigation pressures.BANKINDIAQ4 03/04
- Profit more than doubled as NPAs fell, while lending and technology expansion accelerated.BANKINDIAQ4 05/06
- Business grew strongly, but rising NPAs restrained profit growth.BANKINDIAQ4 12/13
- Q4 returned to profit as asset quality and capital improved, despite a ₹5,547 crore FY19 loss.BANKINDIAQ4 18/19
- Profit surged, but VRS costs and the pay order crisis tempered reported earnings.BANKINDIAQ4 00/01
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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