ALFA Finder| Margins | NIM stable at 2.52% YoY; Yield on advances at 7.46%. |
|---|---|
| Demand visibility | Strong credit demand; Non-Food Credit growth at 15.9% in FY26. |
| Management confidence | High confidence in RAM portfolio and asset quality improvement. |
Growth
Global Business grew 16.57% YoY to ₹17.56 Lakh Cr; Global Advances up 18.64%; Net Profit rose to ₹3,068 Cr.
Outlook
Focus on RAM advances (now 58.30% of domestic mix) and infrastructure sector; maintaining CRAR at 130 bps improvement YoY.
Risks
Rising cost of deposits and interest expenditure (up 6.78% YoY) despite overall NIM stability.
Last quarter's promises, checked
Delivered
- Guided ROA 1% for FY27 → delivered 1% in Q1 (= BEAT)
- Targeted Gross NPA improvement → delivered 111 bps YoY reduction to 1.81% (= BEAT)
- Guided Global Advances growth 15-16% → delivered 18.64% YoY (= BEAT)
Partly delivered
- Targeted $1.2B FCNR deposits by Sept → delivered $200M as of July (= PARTIAL)
- Targeted ₹8,000 Cr ECLGS sanctions → delivered ₹6,000 Cr sanctions (= PARTIAL)
Missed
- Guided Global NIM 2.55-2.60% → delivered 2.52% (= MISS)
Investor Presentation filed with NSE, NSE: BANKINDIA. Summary written with AI assistance from 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.
More from Bank of India
All →Bank of India Other Announcement
Bank of India revised its MCLR effective November 1, 2026, lifting the 3-month rate to 8.45%. Fixed Rate Spread rates were also changed.
Bank of India Investor Presentation: Key Takeaways
Q2 FY27 net profit ₹3,202 Cr (+25% YoY); global business ₹18.93 lakh Cr (+21%); gross NPA 1.60% (from 2.54%). NIM 2.47%. Growth led by RAM; FCNR-scheme deposits.
Bank of India Results Update
Bank of India released its unaudited Q2 and H1 FY27 results, with Q2 net profit up 25.34% YoY to ₹3,202 Crore. Global business grew 21.13% YoY to ₹18,92,601 Crore.
Bank of India Q2 FY27 Results: Net Profit ₹3,309 Cr, Up 28.4% YoY
Bank of India reported revenue from operations of ₹21,370 Cr (+15.4% YoY) and net profit of ₹3,309 Cr (+28.4% YoY) for Q2 FY27.
- Key figure
- Net profit ₹3,309 Cr · +28.4% YoY
Bank of India Other Announcement
Bank of India filed its quarterly Reconciliation of Share Capital Audit Report for Q1 FY27. The routine SEBI Reg 76(1) compliance certificate contains no transaction or business event.
Bank of India Board Meeting Date
Bank of India will hold a board meeting on October 23, 2026. The board will consider and approve unaudited financial results for the quarter ended September 30, 2026.