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Bank of India engages in the provision of commercial and retail banking services. The company is headquartered in Mumbai, Maharashtra. Its segments include Treasury Operations, Wholesale Banking Operations and Retail Banking Operations. The Treasury Operations segment includes the investment portfolio, such as dealing in government and other securities, money market operations and forex operations. The Wholesale Banking Operations segment includes all advances, which are not included under retail banking. The Retail Banking Operations segment includes exposures, which fulfil two criteria, including exposure (the maximum aggregate exposure of approximately five crore rupees), and the total annual turnover is less than approximately 50 crore rupees, which means the average turnover of the last three years in case of existing entities and projected turnover in case of new entities. The company has over 5105 branches in India, including specialized branches. Its subsidiaries include BOI Shareholding Limited and BOI Star Investment Managers Private Limited, among others.
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“Banking franchise in Banking — Lending & Deposits.”
Net Interest Income of ₹25,474 Cr on total income of ₹103,842 Cr.
Cost-to-income ratio at 51.4%. Provision coverage at 3.1% of income.
“guidance for global advances growth would be at around 13 to 14%, and the global deposit growth would be at around 11 to 12% for f y twenty six”
“estimated net profit is around 10,000 crores.”
“guidance for global advances growth will be around 12 to 13%, and the global deposit growth will be around 10 to 11% for f y twenty six.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 11.5% | 11.5% |
| Net Margin | 9.7%▼ | 12.1% |
| EBITDA Margin | 74.4%▲ | 67.3% |
| Debt To Equity | 10.35x▲ | 8.01x |
| Rev Growth 3yr | 15.8%▲ | 14.4% |
| EPS Growth 3yr | 34.3%▲ | 23.3% |
| NIM | 3.3%▼ | 390.0% |
| Cost To Income | 51.4% | - |
| Credit Deposit Ratio | 82.10x | 83.00x |
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| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|---|
| Interest on Advances | ₹55,367 Cr +10.0% | ₹50,337 Cr +16.7% | ₹43,126 Cr +28.5% | ₹33,549 Cr +29.1% | ₹25,987 Cr -5.7% | ₹27,548 Cr -4.9% | ₹28,977 Cr |
| Income on Investments | ₹18,126 Cr +4.3% | ₹17,384 Cr +22.0% | ₹14,246 Cr +18.4% | ₹12,034 Cr +7.9% | ₹11,155 Cr -4.2% | ₹11,648 Cr +8.3% | ₹10,757 Cr |
| ₹10,441 Cr +14.7% | ₹9,105 Cr +46.1% | ₹6,233 Cr -13.6% | ₹7,211 Cr -10.0% | ₹8,011 Cr +6.9% | ₹7,496 Cr +10.1% | ₹6,809 Cr | |
| Total Income | ₹87,684 Cr +9.0% | ₹80,412 Cr +19.5% | ₹67,306 Cr +22.1% | ₹55,143 Cr +19.1% | ₹46,291 Cr -4.3% | ₹48,350 Cr -2.1% | ₹49,400 Cr |
| Interest Expended | ₹50,975 Cr +9.4% | ₹46,594 Cr +23.4% | ₹37,757 Cr +37.6% | ₹27,441 Cr +13.9% | ₹24,083 Cr -8.8% | ₹26,421 Cr -2.8% | ₹27,191 Cr |
| Employee Cost | ₹10,670 Cr +2.7% | ₹10,387 Cr +12.1% | ₹9,263 Cr +9.6% | ₹8,453 Cr +18.9% | ₹7,112 Cr +8.9% | ₹6,529 Cr +5.4% | ₹6,197 Cr |
| Other Operating Expenses | ₹7,713 Cr +13.0% | ₹6,823 Cr +12.9% | ₹6,044 Cr +2.1% | ₹5,921 Cr +17.1% | ₹5,058 Cr +13.0% | ₹4,477 Cr +1.4% | ₹4,416 Cr |
| Provisions & Contingencies | ₹3,047 Cr -24.8% | ₹4,050 Cr -0.0% | ₹4,050 Cr -44.0% | ₹7,230 Cr +62.0% | ₹4,464 Cr -41.6% | ₹7,645 Cr -52.7% | ₹16,166 Cr |
| Total Expenditure | ₹69,357 Cr +8.7% | ₹63,804 Cr +20.2% | ₹53,063 Cr +26.9% | ₹41,814 Cr +15.3% | ₹36,254 Cr -3.1% | ₹37,427 Cr -1.0% | ₹37,804 Cr |
| Profit Before Tax | ₹15,281 Cr +21.7% | ₹12,558 Cr +23.2% | ₹10,193 Cr +67.1% | ₹6,099 Cr +9.4% | ₹5,574 Cr +70.0% | ₹3,278 Cr ↑ Recovery | (₹4,570 Cr) |
| Tax | ₹3,817 Cr +18.6% | ₹3,219 Cr -15.5% | ₹3,809 Cr +71.8% | ₹2,217 Cr +2.3% | ₹2,168 Cr +100.9% | ₹1,079 Cr ↑ Recovery | (₹1,640 Cr) |
| Net Profit | ₹11,464 Cr +22.7% | ₹9,339 Cr +46.3% | ₹6,385 Cr +64.5% | ₹3,882 Cr +14.0% | ₹3,406 Cr +54.9% | ₹2,199 Cr ↑ Recovery | (₹2,929 Cr) |
| Profit (Owners) | ₹11,779 Cr +23.4% | ₹9,548 Cr +45.5% | ₹6,564 Cr +71.0% | ₹3,838 Cr +9.9% | ₹3,493 Cr +67.7% | ₹2,083 Cr ↑ Recovery | (₹3,051 Cr) |
| Minority Interest | ₹3 Cr -12.3% | ₹4 Cr +84.4% | ₹2 Cr +52.9% | ₹1 Cr ↑ Recovery | (₹5 Cr) -140.6% | (₹2 Cr) -995.0% | (₹0.20 Cr) |
| EPS | ₹25.87 | ₹20.97 | ₹14.42 | ₹9.35 | ₹8.51 | ₹6.36 | (₹9.31) |
| Diluted Shares | ₹455 Cr | ₹455 Cr | ₹455 Cr | ₹410 Cr | ₹410 Cr | ₹328 Cr | ₹328 Cr |
| Other Interest | ₹1,138 Cr +198.6% | ₹381 Cr -53.2% | ₹815 Cr +20.9% | ₹674 Cr +34.7% | ₹501 Cr -0.4% | ₹503 Cr +21.8% | ₹413 Cr |
| Profit Loss Of Associates | ₹319 Cr +50.0% | ₹213 Cr +16.8% | ₹182 Cr ↑ Recovery | (₹43 Cr) ↓ Decline | ₹81 Cr ↑ Recovery | (₹118 Cr) +3.0% | (₹122 Cr) |
| Interest (RBI & Others) | ₹2,613 Cr -18.5% | ₹3,206 Cr +11.1% | ₹2,886 Cr +72.4% | ₹1,675 Cr +162.6% | ₹638 Cr -44.8% | ₹1,155 Cr -52.7% | ₹2,444 Cr |
Bank Of India has informed the Exchange about Link of Recording
Bank Of India has informed the Exchange about Link of Recording
Bank Of India has informed the Exchange about Financial Result for Q1FY27
Bank Of India has informed the Exchange about Investor Presentation
Bank Of India has informed the Exchange regarding a press release dated July 24, 2026, titled "Bank of India has informed the Exchange regarding a press Release dated July 24,2026 Unaudited (Reviewed)...
Bank Of India has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
Bank Of India has informed the Exchange about Schedule of meet
Bank Of India has informed the Exchange about Credit Rating
Bank Of India has informed the Exchange about Credit Rating
Bank of India has informed the Exchange regarding Reconciliation of Share Capital Audit Report for Q1FY27.
Bank Of India has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
Bank Of India has informed the Exchange about General Updates
Bank Of India has informed the Exchange about One to one physical Meet
Bank Of India has informed the Exchange about Analyst/Investor Meet on 17.06.2026
Bank Of India has informed the Exchange about Analyst/Investor meet