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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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Bank of India (BANKINDIA) investor relations material
Bank of India Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary29 Jul, 2025
Executive summary
Q1 FY26 saw global business grow 10.37% year-over-year, with advances up 12.02% and deposits up 9.07%.
Net profit rose 32% year-over-year to ₹2,252 crore, with operating profit up 9% to ₹4,009 crore.
Asset quality improved: gross NPA ratio fell to 2.92%, net NPA to 0.75%, and provision coverage ratio reached 92.94%.
Digital and HR initiatives expanded, including new credit products, digital onboarding, Omni NEO platform, and employee engagement programs.
Board approved unaudited financial results for Q1 FY26, with unmodified auditor opinions and no deviation in capital utilization.
Financial highlights
Global advances reached ₹6.72 lakh crore, domestic advances ₹5.65 lakh crore, and RAM advances ₹3.28 lakh crore (16.69% YoY growth).
Non-interest income surged 66% year-over-year to ₹2,166 crore, driven by higher investment profits and recoveries.
Net interest income declined 3% YoY to ₹6,068 crore, while interest income rose 8%.
Cost-to-income ratio at 51.3%, with expectations of moderation in coming quarters.
Return on assets improved to 0.82%, and return on equity was 13.55%.
Outlook and guidance
Global advances growth targeted at 12–13% and deposit growth at 10–11% for FY26.
ROA guidance at 0.9% for FY26, with improvement expected as NIMs recover.
CASA ratio targeted at 40% by year-end.
Credit cost guidance at 0.7% and slippage ratio at 1.2% for FY26.
Board approved capital plan of ₹5,000 crore (Tier I & II) and ₹20,000 crore infra bonds for FY26.
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Next Bank of India earnings date
Q2 25/2617 Oct, 2025
Next Bank of India earnings date
Q2 25/2617 Oct, 2025
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