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Earnings Call

Bank of India Earnings Call: Key Takeaways

Bank of India reported a strong FY26 with Net Profit rising 14% YoY to ₹10,527 crore. Strategy focuses on RAM book expansion (target 62%) and improving domestic NIM towards 3%.

Why this was an Alfa AlertNot a filter event. Performance and guidance are in line with structural targets without a material guidance beat.
Highlights
Revenue growthGlobal Gross Advances increased 15.82% YoY to ₹7.71 lakh crore.
MarginsGlobal NIM at 2.52%; targeting domestic NIM close to 3%.
Demand visibilityStrong pipeline of ₹65,000-70,000cr in corporate/infra sectors.
Management confidenceHigh; confident in meeting 15-16% credit growth and 1% ROA.

Growth

Global business grew 14.57% YoY; Net Profit up 14% to ₹10,527cr; NII increased 3% to ₹25,172cr in FY26.

Outlook

FY27 Guidance: Global advances growth 15-16%, deposits 13-14%, and ROA target of 1% for March 2027.

Risks

Global headwinds from $102/bbl crude, rising interest rates, and potential inflation affecting MSME working capital.

Source

Earnings Call filed with BSE, NSE: BANKINDIA. Summary written with AI assistance from the document.

Read the document ↗

Bank of India: key numbers

Share price
₹150.05
Market cap
₹68,313 Cr
Revenue (annual)
₹75,613 Cr
Net profit (annual)
₹10,306 Cr
P/E (TTM)
5.5×Sector 20.8×
Promoter holding
73.38%+0.00% QoQ
FII holding
7.58%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

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