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BOI Q2 FY27 Provisional: Global Business Up 21.07% YoY to ₹18,91,663 Cr
Bank of India reported provisional business updates for Q2 FY27, with total Global Business growing 21.07% YoY to ₹18,91,663 crore as of September 30, 2026. Global Gross Advances expanded 20.43% YoY to ₹8,54,045 crore, while Global Deposits rose 21.60% YoY to ₹10,37,618 crore. Domestic deposit growth outpaced advances, rising 23.30% YoY to ₹9,00,218 crore against domestic advance growth of 17.70% YoY. The high-yield retail, agriculture, and MSME (RAM) domestic gross advances stood at ₹4,12,271 crore, reflecting an 18.57% YoY growth.
Confidence: HIGH
What changedBank of India released provisional business metrics showing over 20% YoY expansion across deposits and advances for Q2 FY27.
Why it mattersThe figures demonstrate robust loan and deposit momentum exceeding the bank's previously targeted 12-13% growth rate, supported by balanced expansion in RAM segments.
Global Business: ₹18,91,663 CrGlobal Deposits: ₹10,37,618 CrGlobal Gross Advances: ₹8,54,045 CrDomestic RAM Advances: ₹4,12,271 CrGlobal Advances YoY Growth: 20.43%
📅 Short termProvides strong early visibility on credit and deposit momentum ahead of the full Q2 FY27 earnings release.
📈 Long termSustained high-teens to 20% credit growth backed by strong domestic deposit accumulation reinforces market share defense among public sector peers.
⚠ Risk flags
- Provisional figures are subject to statutory central audit review
- Aggressive loan growth requires scrutiny on asset quality and credit costs once full earnings are declared
Key Highlights
Global Business grew 21.07% YoY to ₹18,91,663 crore as on September 30, 2026
Global Gross Advances grew 20.43% YoY to ₹8,54,045 crore
Global Deposits rose 21.60% YoY to ₹10,37,618 crore (Domestic Deposits at ₹9,00,218 crore, up 23.30%)
Domestic RAM Gross Advances increased 18.57% YoY to ₹4,12,271 crore
👀 What to Watch
Track the detailed Q2 FY27 earnings report to monitor Net Interest Margins (NIM) and asset quality (NPA trends and slippages) against this rapid advance growth.
S&P and Fitch Rate Bank of India's USD 1 Billion MTN Programme 'BBB' and 'BBB-'
Bank of India has established a USD 1 Billion Euro Medium Term Note (MTN) Programme on September 28, 2026. Credit rating agencies have assigned investment-grade ratings to the programme: S&P Global Ratings assigned a 'BBB' long-term issue rating, while Fitch Ratings assigned a 'BBB-' rating with a Stable outlook. The proposed issuance will consist of senior unsecured notes and will be listed on the India International Exchange (India INX) and NSE IX. The USD 1 billion programme (~Rs 8,300-8,400 Cr) enables foreign currency resource mobilization to support international loan book operations.
Confidence: HIGH
What changedBank of India established a new USD 1 Billion MTN Programme and obtained investment-grade ratings from S&P ('BBB') and Fitch ('BBB-').
Why it mattersEnables the bank to raise long-term offshore foreign currency debt competitively to fund its international corporate loan book, which comprises ~15.76% of its advances.
MTN Programme Size: USD 1 BillionS&P Rating: BBBFitch Rating: BBB-Establishment Date: 28th September 2026
📅 Short termNeutral to slightly positive; provides regulatory and rating clearance for tapping international bond markets, though immediate pricing will depend on global interest rate environments.
📈 Long termDiversifies wholesale funding sources and lowers blended cost of overseas borrowing, supporting the bank's international business expansion.
⚠ Risk flags
- Currency and interest rate volatility in overseas markets
- Global macroeconomic deterioration impacting the bank's international corporate loan asset quality
Key Highlights
Established a USD 1 Billion Euro Medium Term Note Programme on September 28, 2026
S&P Global Ratings assigned a 'BBB' long-term issue rating to the programme on September 29, 2026
Fitch Ratings assigned a 'BBB-' rating with a Stable outlook on September 28, 2026
Notes will be direct, unconditional, unsubordinated, and senior unsecured obligations listed on India INX and NSE IX
👀 What to Watch
Monitor the actual issuance tranches under this MTN programme, including coupon pricing, demand book, and currency liability management against its overseas loan book.
Bank of India Sets Up USD 1 Billion Euro Medium Term Note Programme
Bank of India has established a USD 1 Billion Euro Medium Term Note (EMTN) Programme on September 28, 2026. The offering circular has been submitted to NSE IFSC Limited and India International Exchange (IFSC) Limited. At current exchange rates, USD 1 billion represents roughly Rs 8,300-8,500 crore, providing the bank access to overseas debt capital to fund foreign currency lending and international operations. This debt platform expands the bank's offshore borrowing options without immediate equity dilution.
Confidence: HIGH
What changedBank of India established a shelf debt program (EMTN) to raise up to USD 1 billion in overseas markets.
Why it mattersEnables the bank to access international debt capital quickly to fund its international corporate loan book and manage foreign currency liquidity.
EMTN Programme Limit: USD 1 BillionProgramme Limit vs Net Worth: ~9.5%
📅 Short termNeutral market impact as setting up an EMTN programme is an enabling framework rather than an immediate fund inflow.
📈 Long termDiversifies the bank's funding profile by facilitating access to global institutional bond investors at competitive rates.
⚠ Risk flags
- Foreign currency exchange rate volatility and global interest rate risks on future overseas issuances.
Key Highlights
Established a Euro Medium Term Note (EMTN) Programme with a limit of USD 1 Billion.
Offering circular submitted to both NSE IFSC Limited and India International Exchange (IFSC) Limited.
Intimation filed on September 28, 2026, pursuant to SEBI Regulation 30.
👀 What to Watch
Watch for upcoming individual bond issuances under this EMTN programme, specifically looking at tranche sizes, interest coupons, and tenors.
S&P Global Assigns 'BBB/A-2' Credit Ratings to Bank of India; Outlook Stable
S&P Global Ratings has assigned Bank of India an investment-grade long-term issuer credit rating of 'BBB' and a short-term rating of 'A-2' with a stable outlook. The rating incorporates a one-notch uplift above the bank's stand-alone credit profile, reflecting a very high likelihood of extraordinary support from the Government of India (73.4% ownership). S&P noted that approximately 85% of Bank of India's loan exposure is domestic, supported by adequate capital, solid funding, and healthy liquidity.
Confidence: HIGH
What changedS&P Global Ratings assigned new 'BBB/A-2' issuer credit ratings to Bank of India with a stable outlook.
Why it mattersAn international investment-grade rating improves the bank's access to foreign currency funding and international capital markets at competitive pricing.
Long-term Issuer Credit Rating: BBBShort-term Issuer Credit Rating: A-2Domestic Loan Exposure Share: About 85%Promoter (Government) Stake: 73.4%
📅 Short termNeutral to mildly positive sentiment impact; provides benchmark affirmation for foreign counterparties and international debt investors.
📈 Long termAids the bank's international business (15.76% of advances) and strengthens wholesale overseas funding lines over the next two years.
⚠ Risk flags
- Asset quality pressures in international corporate exposures
- Rating remains tied to the sovereign credit profile and government backing
Key Highlights
S&P Global Ratings assigned 'BBB' long-term and 'A-2' short-term issuer credit ratings on Sept. 7, 2026
Outlook on the long-term rating is assigned as Stable, reflecting expectations of maintained capitalization over two years
Long-term rating is positioned 1 notch above the stand-alone credit profile due to government support expectations
Approximately 85% of Bank of India's loan exposure is concentrated in India
👀 What to Watch
Monitor whether the international rating facilitates cheaper offshore borrowing or bond issuances to support the targeted 12-13% loan growth.
Bank of India Appoints 20-Yr Veteran Vineet Srivastava as Chief Financial Officer
Bank of India has appointed Shri Vineet Srivastava as its Chief Financial Officer (CFO) effective August 14, 2026, succeeding Shri B. Kumar. Shri Srivastava, aged 56, is a Chartered Accountant and General Manager who has completed 20 years of service at the bank since joining on August 12, 2005. His background covers corporate banking, finance, and internal audit as former Head of Bhopal Zonal Audit Office. The internal succession ensures regulatory continuity in financial governance across the bank's Rs 87,990 Cr net worth base.
Confidence: HIGH
What changedShri Vineet Srivastava has taken charge as Chief Financial Officer of Bank of India, replacing Shri B. Kumar.
Why it mattersMaintains leadership continuity in statutory reporting, cost management, and capital allocation for the public sector lender.
Effective date: August 14, 2026Appointee age: 56 yearsBank service tenure: 20 yearsBank joining date: 12.08.2005
📅 Short termSmooth transition is expected given the CFO's two-decade internal experience across branch and audit functions.
📈 Long termLimited structural impact; sustains regular financial governance and regulatory compliance.
Key Highlights
Shri Vineet Srivastava appointed Chief Financial Officer (CFO) effective August 14, 2026
Succeeds Shri B. Kumar as the bank's CFO
Appointee is a 56-year-old Chartered Accountant with 20 years of service at Bank of India
Joined the bank on August 12, 2005, and previously headed the Bhopal Zonal Audit Office
👀 What to Watch
Monitor upcoming quarterly financial disclosures and margin commentary under the new financial leadership; no operational disruption anticipated.
USD 1.00 Billion Fundraise Approved via Medium-Term Note (MTN) Programme
Bank of India's board has approved raising up to USD 1.00 billion (approximately ‑Rs 8,300 Cr) through a Medium-Term Note (MTN) programme. The funds will be raised in multiple tranches of 3-year or 5-year USD bonds, with the issuance window open until December 31, 2026. This fundraise represents approximately 12.7% of the bank's current market capitalization and 9.4% of its net worth. The capital is intended to support the bank's international operations, which currently account for 15.76% of its total advances.
Confidence: HIGH
What changedThe bank has established a formal framework to raise significant foreign currency debt, moving from planning to board-approved execution.
Why it mattersThis provides the bank with diversified liquidity to fund its international corporate portfolio and manage currency-matched assets, supporting its 12-13% global advances growth target.
MTN Programme Limit: USD 1.00 billionBond Tenures: 3/5 yearsIssuance Deadline: 31-December-2026Fundraise vs Market Cap: ~12.7%International Advances Share: 15.76%
📅 Short termThe market is likely to view this as a positive step for capital adequacy and international growth, though immediate impact depends on the pricing of the first tranche.
📈 Long termStrengthens the bank's global footprint and provides a stable mechanism for foreign currency funding over the next two years.
⚠ Risk flags
- Currency fluctuation risks
- Interest rate volatility in international markets
- Potential impact on NIM if borrowing costs rise
Key Highlights
Approved raising up to USD 1.00 billion in foreign currency funds through an MTN programme.
Issuance period for multiple tranches is valid until December 31, 2026.
Instruments will consist of 3-year and 5-year USD Bonds.
The total fundraise amount is equivalent to ~12.7% of the bank's market capitalization of Rs 65,329 Cr.
👀 What to Watch
Monitor the coupon rates and pricing of the individual tranches as they are issued to assess the impact on the bank's cost of funds and Net Interest Margins (NIM).
Bank of India Q1 FY27: Net Profit up 36% to ₹3,068 Cr; Gross NPA improves to 1.81%
Bank of India reported a robust 36.23% YoY increase in Net Profit to ₹3,068 crore for Q1 FY27, supported by an 18.64% growth in global gross advances. Asset quality improved significantly, with the Gross NPA ratio dropping 111 bps YoY to 1.81% and Net NPA at 0.51%. While credit growth remains strong, the bank noted a 3% decline in its CASA ratio as depositors shift funds toward equities and mutual funds. Management maintained its FY27 guidance for advances growth at 15-16% and deposits at 13-14%.
Confidence: HIGH
What changedThe bank has achieved a sub-2% Gross NPA level and strengthened its capital base to 18.69%, while establishing a dedicated centralized sales vertical to counter the structural shift in deposit patterns.
Why it mattersThe strong earnings growth and improved asset quality indicate that the bank is successfully managing credit costs (down to 0.15%) while maintaining a growth trajectory above the industry average in advances.
Net Profit (Q1 FY27): ₹3,068 croreQ1 Profit vs TTM PAT: ~29.7%Gross NPA: 1.81%Global NIM: 2.52%CASA Ratio: 36.68%Advances Growth Guidance (FY27): 15-16%
📅 Short termThe stock may react positively to the sharp improvement in asset quality and the 36% profit growth, which exceeds the TTM quarterly average.
📈 Long termThe bank's focus on the RAM segment and digital transformation in international markets (e.g., Kenya) suggests a structural shift toward higher-yield, lower-risk lending, though deposit competition remains a long-term challenge.
⚠ Risk flags
- Compression in CASA ratio (down 3%)
- Slight YoY compression in Global NIM (3 bps)
- Potential impact of food inflation on agricultural slippages
Key Highlights
Net Profit increased 36.23% YoY to ₹3,068 crore for the quarter ended June 2026.
Global Gross Advances grew 18.64% YoY to ₹7.98 lakh crore, with RAM segment constituting 58.30%.
Gross NPA ratio improved by 111 bps YoY to 1.81%, while Net NPA ratio stood at 0.51%.
Capital Adequacy Ratio (CRAR) improved to 18.69% from 17.39% in the previous year.
Slippage ratio declined to 0.24% in Jun’26 compared to 0.33% in Jun’25.
👀 What to Watch
Investors should monitor the bank's ability to stabilize its CASA ratio (currently 36.68%) and protect Net Interest Margins (NIM) which saw a slight YoY compression to 2.52%. Watch for the execution of the new 'Strategic Business Branch' in Mumbai for high-value pool buyouts and supply chain financing.
36% YoY Profit Growth: Bank of India Reports Q1 FY27 Net Profit of Rs 3,068 Cr
Bank of India reported a strong performance for Q1 FY27, with standalone net profit rising 36.2% YoY to Rs 3,067.90 Cr. Asset quality showed significant improvement as Gross NPA fell to 1.81% from 2.92% a year ago, and Net NPA dropped to 0.51%. Total income grew 9.8% YoY to Rs 22,528.47 Cr, while the bank maintained a healthy Capital Adequacy Ratio of 18.69%. The Return on Assets (RoA) improved to 1.01%, meeting a key psychological and operational benchmark for public sector banks.
Confidence: HIGH
What changedThe bank has significantly reduced its Gross NPA below the 2% mark and improved its profitability, with Net Profit for the quarter representing nearly 30% of the previous year's total PAT.
Why it mattersImproved asset quality and higher capital buffers (18.69% CAR) provide the bank with the necessary headroom to pursue its 12-13% credit growth target for the fiscal year.
Standalone Net Profit: Rs 3,067.90 CrGross NPA: 1.81%Capital Adequacy Ratio: 18.69%Net Profit vs TTM PAT: 29.7%Return on Assets: 1.01%
📅 Short termThe stock is likely to react positively in the short term due to the sharp improvement in asset quality and robust bottom-line growth.
📈 Long termIf the bank consistently maintains an RoA above 1% and keeps slippages under control, it could lead to a structural re-rating of its valuation multiples.
⚠ Risk flags
- Potential compression in Net Interest Margins (NIM) due to rising deposit costs
- Exposure to international corporate portfolio (15.76% of advances) which is sensitive to global macro conditions
Key Highlights
Standalone Net Profit increased 36.2% YoY to Rs 3,067.90 Cr from Rs 2,252.12 Cr.
Gross NPA ratio improved to 1.81% compared to 2.92% in the same quarter last year.
Capital Adequacy Ratio (Basel III) strengthened to 18.69% from 17.39% YoY.
Return on Assets (RoA) improved to 1.01% from 0.82% in Q1 FY26.
Total Income rose 9.8% YoY to Rs 22,528.47 Cr, driven by interest income growth.
👀 What to Watch
Watch for the bank's ability to maintain Net Interest Margins (NIM) and RoA above 1% in upcoming quarters, and monitor credit growth in the high-yield RAM (Retail, Agri, MSME) segment.
19.75% Profit Growth: Bank of India Q1 FY27 Global Business Crosses Rs 17.5 Lakh Cr
Bank of India reported a strong Q1 FY27 with net profit growing 19.75% YoY. Global advances increased by 18.64% to Rs 7,97,775 Cr, led by robust growth in the RAM (Retail, Agri, MSME) segment which now constitutes 58.30% of domestic advances. Asset quality showed significant improvement with Gross NPA declining by 111 bps YoY. However, the CASA ratio compressed to 36.68% from 39.88% a year ago, reflecting industry-wide pressure on low-cost deposits.
Confidence: HIGH
What changedBank of India has reported its Q1 FY27 results, showing sustained double-digit growth in advances and profit while maintaining a downward trajectory for NPAs.
Why it mattersThe bank is successfully shifting its mix toward high-yield RAM segments (58.3% of domestic book) and improving its capital position, which is critical for a PSU bank trading at a P/B of 0.7x.
Global Advances: Rs 7,97,775 CrNet Interest Income (Q1): Rs 6,833 CrCASA Ratio: 36.68%Gross NPA Improvement: 111 bpsRAM Growth (YoY): 19.75%NII vs TTM Revenue: ~8.02%
📅 Short termThe stock may react positively to the strong credit growth and improved asset quality metrics in the coming days.
📈 Long termThe structural shift toward a more granular RAM-heavy loan book and consistent NPA reduction could lead to a valuation re-rating if NIMs remain stable.
⚠ Risk flags
- Declining CASA ratio (down 320 bps YoY)
- Rising interest expenses on deposits (up 12.42% YoY)
- High NBFC exposure at Rs 1,00,722 Cr
Key Highlights
Global Business crossed the Rs 17.55 lakh crore milestone, growing 16.57% YoY.
Net Interest Income (NII) rose 12.61% YoY to Rs 6,833 Cr for the quarter.
RAM advances grew 19.75% YoY to Rs 3,92,833 Cr, with Mortgage loans specifically jumping 51% YoY.
Gross NPA improved by 111 bps and Net NPA by 24 bps YoY, indicating strengthening asset quality.
Capital Adequacy Ratio (CRAR) improved by 130 bps YoY, providing a buffer for future growth.
👀 What to Watch
Monitor the bank's ability to arrest the decline in CASA ratio (currently 36.68%) and manage the cost of deposits, which rose 12.42% YoY.
36.23% Net Profit Growth in Q1 FY27; Gross NPA Improves to 1.81%
Bank of India reported a strong start to FY27 with Net Profit rising 36.23% YoY to ₹3,068 Cr. The bank demonstrated robust credit momentum with Global Advances growing 18.64% YoY to ₹7,97,775 Cr, significantly exceeding its previous guidance of 12-13%. Asset quality reached multi-year highs as Gross NPA fell to 1.81% and Net NPA to 0.51%, supported by a high Provision Coverage Ratio of 93.83%. Operational efficiency also improved, with the Cost-to-Income ratio dropping by 498 bps to 46.33%.
Confidence: HIGH
What changedThe bank has achieved a significant milestone with ROA hitting 1.01% and Gross NPAs dropping below 2%, reflecting a cleaner and more efficient balance sheet compared to previous years.
Why it mattersThe sharp improvement in asset quality and double-digit growth in both NII and PAT suggests the bank is successfully executing its strategy to focus on high-yield RAM segments while maintaining strict credit discipline.
Net Profit (Q1): ₹3,068 CrQ1 PAT vs TTM PAT: 29.75%Gross NPA: 1.81%Net NPA: 0.51%Capital Adequacy (CRAR): 18.69%Global NIM: 2.52%
📅 Short termThe stock is likely to react positively in the short term due to the earnings beat and significant improvement in asset quality metrics.
📈 Long termStructurally, the bank is better positioned with a high CET-1 ratio (15.97%) and low slippages (0.24%), supporting long-term credit expansion and ROE sustainability.
⚠ Risk flags
- Potential compression in NIMs if deposit competition intensifies
- Exposure to global macroeconomic conditions affecting the international portfolio (15.5% of advances)
Key Highlights
Net Profit increased 36.23% YoY to ₹3,068 Cr for Q1 FY27
Global Advances grew 18.64% YoY to ₹7,97,775 Cr, led by RAM segment growth of 19.75%
Gross NPA ratio improved by 111 bps YoY to 1.81% from 2.92%
Cost to Income Ratio (CIR) improved by 498 bps to 46.33%
Return on Assets (ROA) increased to 1.01%, crossing the key 1% benchmark
👀 What to Watch
Investors should monitor the sustainability of the 18%+ credit growth versus the bank's long-term guidance and watch for any pressure on Net Interest Margins (currently 2.52%) as deposit costs evolve.
80.5% YoY Consolidated PAT Growth to ₹3,303 Cr; GNPA Improves to 1.81%
Bank of India reported a strong performance for Q1 FY27, with consolidated net profit surging 80.5% YoY to ₹3,302.58 Cr. Asset quality improved significantly as Gross NPA fell to 1.81% from 2.92% in the year-ago period, while Net NPA reached a low of 0.51%. The bank achieved a key milestone with its standalone Return on Assets (RoA) rising to 1.01% from 0.82% YoY. Capital adequacy remains robust at 18.69%, providing ample room for the bank's targeted 12-13% credit growth.
Confidence: HIGH
What changedThe bank has reported a sharp improvement in both profitability and asset quality, with Net NPAs now well below 1% and RoA crossing the 1% mark.
Why it mattersFor a public sector bank, achieving a 1% RoA and sub-2% GNPA signifies a successful structural turnaround, making it more competitive in terms of cost of funds and capital efficiency.
Consolidated Net Profit (Q1): ₹3,302.58 CrGross NPA %: 1.81%Net NPA %: 0.51%Capital Adequacy Ratio: 18.69%Return on Assets (Standalone): 1.01%PAT vs TTM PAT: ~32%
📅 Short termThe stock is likely to react positively to the significant YoY profit jump and the continued reduction in bad loans.
📈 Long termThe bank's strengthened capital base and improved asset quality provide a solid foundation for its long-term strategy of focusing on high-yield retail segments and digital expansion.
⚠ Risk flags
- Yield on advances compression
- Potential slippages in the international corporate portfolio (15.76% of advances)
Key Highlights
Consolidated Net Profit increased 80.5% YoY to ₹3,302.58 Cr from ₹1,829.56 Cr.
Gross NPA ratio improved by 111 bps YoY to 1.81% compared to 2.92% in June 2025.
Net NPA ratio declined to 0.51% from 0.75% in the same quarter last year.
Standalone Operating Profit grew 26% YoY to ₹5,051.08 Cr, driven by higher interest income.
Capital Adequacy Ratio (Basel III) strengthened to 18.69% from 17.39% YoY.
👀 What to Watch
Investors should monitor if the bank can maintain its Return on Assets (RoA) above the 1% threshold and track the growth in the high-yield RAM (Retail, Agri, MSME) segment, which currently constitutes 58.21% of domestic advances.
ICRA Assigns [ICRA]AA+ Issuer Rating and Reaffirms Tier II Bonds Rating for Bank of India
ICRA has assigned a new Issuer Rating of [ICRA]AA+ (Stable) to Bank of India and reaffirmed the same rating for its Rs 2,500 crore Basel III Tier II bonds. The rating reflects the bank's strong capital position with a CET-1 ratio of 15.05% and majority government ownership of 73.38%. While asset quality has improved significantly with Gross NPAs falling to 1.98% in FY26, the bank's Return on Assets (RoA) of 0.96% still trails the Public Sector Bank average of 1.12%. Solvency has improved to 5.68% as of March 2026, down from 11.67% in March 2024.
Confidence: HIGH
What changedICRA has assigned a formal Issuer Rating of [ICRA]AA+ and reaffirmed the existing rating for the bank's Tier II bond program.
Why it mattersThe high credit rating confirms the bank's strong capital buffers and sovereign support, ensuring it can raise debt capital at competitive rates to fund its 12-13% growth target in advances.
Tier II Bonds Rated: Rs 2,500 croreGovernment of India Stake: 73.38%CET-1 Capital Ratio: 15.05%Gross NPA: 1.98%Return on Assets (FY26): 0.96%Solvency Ratio: 5.68%
📅 Short termThe announcement is likely to have a neutral impact on the stock price as it reaffirms existing credit strengths without a rating upgrade.
📈 Long termThe bank's improving solvency and strong capital position support its long-term structural stability, though sustainable RoA improvement remains the primary challenge.
⚠ Risk flags
- Profitability trails peer averages
- Transition to ECL framework may impact net worth by 2.5%
- Vulnerable book (SMA and restructured) remains monitorable relative to core capital
Key Highlights
Assigned new Issuer Rating of [ICRA]AA+ (Stable) and reaffirmed Rs 2,500 crore Tier II bonds at the same level
Gross NPA (GNPA) and Net NPA (NNPA) improved to 1.98% and 0.56% respectively as of March 31, 2026
Core equity capital (CET-1) remains strong at 15.05% compared to 14.84% in the previous year
Solvency level improved to 5.68% in FY26 from 8.10% in FY25 and 11.67% in FY24
Return on Assets (RoA) stood at 0.96% for FY26, remaining below the PSB average of 1.12%
👀 What to Watch
Investors should monitor the bank's progress in improving its yield on advances and cost-to-income ratio to bridge the profitability gap with peers. Additionally, watch for the impact of the transition to the ECL provisioning framework starting April 2027, which the bank estimates at 2.5% of net worth.
18.6% Advance Growth: Bank of India Reports Strong Q1 FY27 Provisional Business Figures
Bank of India reported a robust 16.58% YoY growth in total global business, reaching ₹17,55,915 crore as of June 30, 2026. Global gross advances grew by 18.64% YoY to ₹7,97,798 crore, significantly exceeding the bank's previous guidance of 12-13%. The high-yield Domestic RAM (Retail, Agri, MSME) segment showed strong momentum with a 19.69% YoY increase, while global deposits grew by 14.92% YoY to ₹9,58,117 crore.
Confidence: HIGH
What changedThe bank has released its provisional business updates for Q1 FY27, showing credit growth that significantly outpaces its earlier annual guidance of 12-13%.
Why it mattersStrong credit growth, particularly in the RAM segment, suggests the bank is successfully executing its high-yield strategy, which could lead to improved profitability if asset quality remains stable.
Global Gross Advances: ₹7,97,798 crGlobal Deposits: ₹9,58,117 crYoY Advance Growth: 18.64%Domestic RAM Advance Growth: 19.69%Total Business vs Market Cap: ~27.2x
📅 Short termThe stock may see positive sentiment in the short term as the credit growth figures are ahead of historical targets and industry averages.
📈 Long termIf the bank can maintain this growth trajectory while managing credit costs, it may lead to a valuation re-rating from its current P/B of 0.7.
⚠ Risk flags
- Potential pressure on Net Interest Margins (NIM) if deposit costs rise
- Asset quality risks in the rapidly expanding RAM segment
- Macroeconomic sensitivity of the international portfolio (15.76% of advances)
Key Highlights
Global Gross Advances increased 18.64% YoY to ₹7,97,798 crore as of June 30, 2026
Domestic RAM advances grew 19.69% YoY to ₹3,92,647 crore, supporting the high-yield strategy
Total Global Business reached ₹17,55,915 crore, representing a 16.58% YoY growth
Global Deposits rose 14.92% YoY to ₹9,58,117 crore compared to ₹8,33,698 crore in the previous year
Domestic Advances grew 19.12% YoY, outperforming the overall global growth rate
👀 What to Watch
Investors should monitor the upcoming full Q1 FY27 results to evaluate if this aggressive credit growth has impacted Net Interest Margins (NIMs) or asset quality. Key focus should be on the CASA ratio to assess the sustainability of deposit costs.
Bank of India Approves ₹4.65 Dividend and Appoints New Executive Director at 30th AGM
Bank of India held its 30th Annual General Meeting on June 15, 2026, where shareholders approved the audited financial statements for the year ended March 31, 2026. A dividend of ₹4.65 per equity share (46.50%) was declared for the fiscal year 2025-26. The appointment of Shri Pramod Kumar Dwibedi as Executive Director was officially approved by the shareholders. The Government of India, holding a 73.38% stake, was represented at the meeting, and all resolutions were passed with the requisite majority.
Key Highlights
Approved a dividend of ₹4.65 per equity share (46.50%) for the financial year 2025-26.
Confirmed the appointment of Shri Pramod Kumar Dwibedi as the Executive Director of the Bank.
Adopted the Audited Balance Sheet and Profit and Loss Account for the year ended March 31, 2026.
The Government of India remains the majority shareholder with a 73.38% stake in the bank.
👀 What to Watch
Investors should note the dividend payout of ₹4.65 per share and the formalization of the new Executive Director's role, which ensures management continuity.
Bank of India Approves ₹4.65 Dividend per Share at 30th AGM; Appoints New Executive Director
Bank of India held its 30th Annual General Meeting on June 15, 2026, where shareholders approved all key resolutions including the financial results for FY 2025-26. A significant outcome for investors is the declaration of a dividend at ₹4.65 per equity share (46.50%). The bank also confirmed the appointment of Shri Pramod Kumar Dwibedi as Executive Director. The Government of India, as the majority shareholder, maintains a 73.38% stake in the bank.
Key Highlights
Approved a dividend of ₹4.65 per equity share (46.50%) for the financial year 2025-26.
Adopted the Audited Balance Sheet and Profit and Loss Account for the year ended March 31, 2026.
Confirmed the appointment of Shri Pramod Kumar Dwibedi as the Executive Director of the Bank.
The Government of India remains the dominant shareholder with a 73.38% stake.
All resolutions were passed with the requisite majority via remote e-voting and meeting-day voting.
👀 What to Watch
Investors should track the record date for the ₹4.65 dividend payout. The bank's stability is supported by high government ownership and the formalization of its leadership team.
Bank of India to Hold 30th AGM on June 15, 2026; Proposes ₹4.65 Dividend per Share
Bank of India has scheduled its 30th Annual General Meeting (AGM) for June 15, 2026, to be conducted via video conferencing. A key agenda item is the declaration of a dividend of ₹4.65 per equity share (46.50%) for the financial year 2025-26. The bank has fixed May 29, 2026, as the record date for determining dividend eligibility. Shareholders will also vote on the appointment of Shri Pramod Kumar Dwibedi as Executive Director and the adoption of audited financial statements for the year ended March 31, 2026.
Key Highlights
Proposed dividend of ₹4.65 per equity share (46.50%) for the financial year 2025-26.
Record date for dividend eligibility is set for May 29, 2026.
30th AGM scheduled for June 15, 2026, at 11:00 AM via Video Conferencing.
Appointment of Shri Pramod Kumar Dwibedi as Executive Director with a term until June 30, 2028.
Remote e-voting facility available from June 12 to June 14, 2026.
👀 What to Watch
Investors interested in the dividend should ensure they hold the stock prior to the record date of May 29, 2026. Shareholders should also review the annual report and participate in the e-voting process regarding management appointments.
Bank of India FY26 Net Profit Rises 14% to ₹10,527 Cr; Asset Quality Improves Significantly
Bank of India reported a resilient performance for FY26, with net profit growing 14% YoY to ₹10,527 crore. Asset quality showed marked improvement as Gross NPA fell to 1.98% and Net NPA reached 0.56%, supported by a low slippage ratio of 0.83%. The bank maintains a strong capital position with a CRAR of 18.01%, well above regulatory requirements. Management has guided for a 15-16% growth in advances for FY27, focusing on high-yielding RAM segments and retail deposit accretion.
Key Highlights
Net Profit increased 14% YoY to ₹10,527 crore for FY26, with Q4 profit up 15% at ₹3,016 crore.
Asset quality improved significantly with Gross NPA at 1.98% (down 129 bps) and Net NPA at 0.56% (down 26 bps).
Global Gross Advances grew 15.82% YoY to ₹7.71 lakh crore, led by a 19.11% growth in RAM advances.
Capital Adequacy Ratio (CRAR) strengthened to 18.01%, providing a substantial cushion for future growth and ECL transitions.
Management expects to fund ₹10,000-12,000 crore under the new ECLGS 5.0 scheme for MSMEs and corporates.
👀 What to Watch
Investors should view the improving asset quality and strong capital buffer as positive indicators for long-term stability. The bank's focus on RAM advances and digital initiatives suggests a strategy geared towards higher margins and operational efficiency.
Bank of India Sets May 29, 2026, as Record Date for Dividend Eligibility
Bank of India has announced that its 30th Annual General Meeting (AGM) will be held on June 15, 2026. The bank has fixed May 29, 2026, as the record date to determine the eligibility of shareholders for the payment of dividends. If the dividend is approved by shareholders at the AGM, it will be paid to those whose names appear in the Register of Members as of the close of business on the record date. Additionally, the bank will dispatch the Annual Report to shareholders whose emails are registered by May 22, 2026.
Key Highlights
Record date for dividend eligibility is fixed as Friday, May 29, 2026
30th Annual General Meeting (AGM) scheduled for Monday, June 15, 2026
Dividend payment is subject to shareholder approval at the upcoming AGM
Cut-off date for dispatch of Annual Report and AGM notice is May 22, 2026
The AGM will be conducted via Video Conferencing or Other Audio-Visual Means
👀 What to Watch
Investors interested in receiving the dividend should ensure they hold the bank's shares before the ex-dividend date, which typically precedes the May 29 record date. Existing shareholders should verify their email addresses with the RTA by May 22 to receive the Annual Report.
Bank of India Sets June 15 for 30th AGM; Dividend Record Date Fixed for May 29, 2026
Bank of India has scheduled its 30th Annual General Meeting (AGM) for June 15, 2026, to be held via video conferencing. The bank has officially fixed May 29, 2026, as the record date for determining shareholder eligibility for the dividend payment. Shareholders whose names appear in the register by the close of business on the record date will be entitled to the dividend, pending approval at the AGM. The annual report and meeting notice will be dispatched to registered email addresses based on the May 22, 2026, cut-off.
Key Highlights
30th Annual General Meeting (AGM) to be held on June 15, 2026, at 11:00 AM.
Record date for dividend entitlement is fixed as Friday, May 29, 2026.
Cut-off date for dispatch of Annual Report and AGM notice is May 22, 2026.
Dividend payment will be executed post-AGM subject to shareholder approval.
👀 What to Watch
Investors seeking the dividend should ensure they hold shares before the May 29 record date. Current shareholders should verify their email registration with the RTA by May 22 to receive the full annual report.
Bank of India Recommends ₹4.65 Dividend; FY26 Net Profit Rises to ₹10,527 Crore
Bank of India has recommended a final dividend of ₹4.65 per equity share for FY2025-26, representing 46.50% of the face value. The bank reported a strong standalone net profit of ₹10,527.15 crore for the full year, a 14.2% increase over the previous fiscal. Asset quality improved significantly with Gross NPA dropping to 1.98% from 3.27% YoY. The bank maintains a healthy Capital Adequacy Ratio of 18.01%, indicating a robust balance sheet.
Key Highlights
Recommended final dividend of ₹4.65 per equity share with a record date of May 29, 2026.
FY26 Standalone Net Profit grew to ₹10,527.15 crore from ₹9,219.02 crore in FY25.
Gross NPA reduced to 1.98% (₹15,306 crore) from 3.27% (₹21,749 crore) year-on-year.
Net NPA improved to 0.56% compared to 0.82% in the previous year.
Capital Adequacy Ratio (Basel III) stands strong at 18.01% with CET 1 at 15.05%.
👀 What to Watch
Investors seeking dividend income should ensure they hold shares by the May 29 record date. The bank's sharp reduction in NPAs and steady profit growth suggest improving fundamental strength.
