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Copyright © 2025 Knowtilus Technologies Pvt. Ltd.
SummaryLatest NewsSector ComparisonEarnings ReportRevenue & GrowthPeersIncome StatementBalance SheetCash Flow
BANKINDIA logo

BANKINDIA - Bank of India Share Price

Banks

₹163.66+0.20(+0.12%)
Market Closed as of Feb 6, 2026, 15:30 IST

Valuation

Market Cap74.51 kCr
Price/Earnings (Trailing)5.61
Price/Sales (Trailing)0.88
EV/EBITDA1.19
Price/Free Cashflow3.08
MarketCap/EBT5.72
Enterprise Value74.51 kCr

Fundamentals

Growth & Returns

Price Change 1W-0.30%
Price Change 1M8%
Price Change 6M47.9%
Price Change 1Y52.1%
3Y Cumulative Return28%
5Y Cumulative Return22.4%
7Y Cumulative Return9.5%
10Y Cumulative Return5.5%
Revenue (TTM)
84.73 kCr
Rev. Growth (Yr)6.4%
Earnings (TTM)9.69 kCr
Earnings Growth (Yr)7.5%

Profitability

Operating Margin20%
EBT Margin15%
Return on Equity0.89%
Return on Assets0.89%
Free Cashflow Yield32.51%

Cash Flow & Liquidity

Cash Flow from Investing (TTM)-854.48 Cr
Cash Flow from Operations (TTM)18.53 kCr
Cash Flow from Financing (TTM)34.24 Cr
Free Cash Flow (TTM)18.53 kCr
Free Cash Flow/Share (TTM)40.71

Balance Sheet

Total Assets10.92 LCr
Shareholder Equity10.92 LCr

Capital Structure & Leverage

Debt Ratio0.00
Debt/Equity0.00
Interest Coverage-0.74
Interest/Cashflow Ops1.38

Dividend & Shareholder Returns

Dividend/Share (TTM)4.05
Dividend Yield2.7%
Shares Dilution (1Y)0.00%
Shares Dilution (3Y)10.9%
Pros

Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.

Growth: Good revenue growth. With 69.5% growth over past three years, the company is going strong.

Past Returns: Outperforming stock! In past three years, the stock has provided 28% return compared to 13.2% by NIFTY 50.

Size: It is among the top 200 market size companies of india.

Balance Sheet: Strong Balance Sheet.

Profitability: Recent profitability of 11% is a good sign.

Dividend: Dividend paying stock. Dividend yield of 2.7%.

Cons

No major cons observed.

Price to Sales Ratio

Latest reported: 0.9

Revenue (Last 12 mths)

Latest reported: 84.7 kCr

Net Income (Last 12 mths)

Latest reported: 9.7 kCr
Pros

Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.

Growth: Good revenue growth. With 69.5% growth over past three years, the company is going strong.

Past Returns: Outperforming stock! In past three years, the stock has provided 28% return compared to 13.2% by NIFTY 50.

Size: It is among the top 200 market size companies of india.

Balance Sheet: Strong Balance Sheet.

Profitability: Recent profitability of 11% is a good sign.

Dividend: Dividend paying stock. Dividend yield of 2.7%.

Cons

No major cons observed.

Investor Care

Dividend Yield2.7%
Dividend/Share (TTM)4.05
Shares Dilution (1Y)0.00%

Financial Health

Debt/Equity0.00

Technical Indicators

RSI (14d)55.06
RSI (5d)49.1
RSI (21d)57.66
MACD SignalSell
Stochastic Oscillator SignalHold
SharesGuru SignalBuy
RSI SignalHold
RSI5 SignalHold
RSI21 SignalHold
SMA 5 SignalBuy
SMA 10 SignalBuy
SMA 20 SignalBuy
SMA 50 SignalBuy
SMA 100 SignalBuy

Latest News and Updates from Bank of India

Updated May 5, 2025

The Bad News

Moneycontrol

Despite long-term growth, recent quarterly results indicate fluctuations in net profit.

Moneycontrol

There has been a slight rise in Gross NPA in the latest data, raising investor concerns.

Moneycontrol

Shares of State Bank of India fell by 3.14% today, which contrasts with the overall bullish market.

The Good News

Summary of Latest Earnings Report from Bank of India

Summary of Bank of India's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.

In the Q3 FY26 earnings call, Bank of India's management provided an optimistic outlook on the bank's growth and profitability. The bank anticipates a global advances growth of around 13-14% and global deposit growth of approximately 11-12% for FY26. The key focus remains on mobilizing low-cost deposits while accelerating high-yielding advances to safeguard the Net Interest Margin (NIM).

Management highlighted robust business numbers:

  • Global Gross Advances increased by 13.63% YoY, rising to Rs. 7,40,314 crore.
  • Global Deposits grew by 11.64% YoY, reaching Rs. 8,87,000 crore.
  • Domestic Gross Advances surged by 15.16% YoY, totaling Rs. 6,29,000 crore.

Profitability also showed positive trends:

  • Operating Profit for Q3 stood at Rs. 4,193 crore, an increase of 13% YoY.
  • Net Profit rose to Rs. 2,705 crore, a 7% YoY increase.
  • Global NIM improved by 16 basis points sequentially to 2.57%.

The bank has made strategic moves to enhance its product offerings, including the introduction of the BOI Surya Shakti Scheme for agriculture financing and new loan products for gig workers. Asset quality has improved, with Gross NPA ratio decreasing to 2.26% and Net NPA ratio at 0.60%. The Provision Coverage Ratio has strengthened to 93.60%.

Key forward-looking points include:

  • An expected 7.20% GDP growth in India, supported by regulatory measures from RBI.
  • An emphasis on adopting the Expected Credit Loss Framework and revised Basel III Capital Adequacy Norms.
  • Proactive asset quality management with a reduction in low-yielding advances and a focus on higher-yielding market segments like RAM (Retail, Agriculture, and MSME).

Overall, the management's commitment to operational efficiency, compliance, and customer experience is set to create sustainable stakeholder value amid a challenging economic landscape.

Share Holdings

Understand Bank of India ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.

Holding Pattern

Share Holding Details

Shareholder NameHolding %
PRESIDENT OF INDIA73.38%
LIFE INSURANCE CORPORATION OF INDIA - P & GS Fund8.48%
SBI QUANT FUND1.13%
Other Directors0%
Any Other(FII'S)0%

Overall Distribution

Is Bank of India Better than it's peers?

Detailed comparison of Bank of India against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.

Ticker
Name
Mkt Cap
Revenue
Price %, 1M
Returns, 1Y
P/E
P/S
Rev 1-Yr
Inc 1-Yr
SBINState Bank Of India9.84 LCr7.08 LCr+5.90%+41.80%9.31.39--
BANKBARODABank Of Baroda1.5 LCr1.57 LCr

Sector Comparison: BANKINDIA vs Banks

Comprehensive comparison against sector averages

Comparative Metrics

BANKINDIA metrics compared to Banks

CategoryBANKINDIABanks
PE5.619.82
PS0.881.20
Growth10.7 %8 %
0% metrics above sector average
Key Insights
  • 1. BANKINDIA is among the Top 10 Public Sector Bank companies but not in Top 5.
  • 2. The company holds a market share of 5.2% in Public Sector Bank.
  • 3. In last one year, the company has had an above average growth that other Public Sector Bank companies.

What does Bank of India do?

Public Sector Bank•Financial Services•Mid Cap

Bank of India is a Public Sector Bank with the stock ticker BANKINDIA, boasting a market capitalization of Rs. 53,894.5 Crores. The bank offers a range of banking products and services both in India and internationally.

It operates through various segments, including Treasury, Wholesale Banking, and Retail Banking. The company provides a variety of deposit products such as savings accounts, salary accounts, current accounts, term deposits, and rera account deposits.

In addition to deposit products, Bank of India offers:

  • Cards: Debit, credit, and prepaid cards
  • Loans: Personal loans, home loans, vehicle loans, education loans, loans against property, and more
  • Financing Services: Business financing, healthcare schemes, government-sponsored schemes, and commercial vehicle finance

Moreover, the bank provides credit, cash management, trade finance services, and various government deposit schemes including PPF, SCSS, and Sukanya Samridhi. Other offerings include mutual funds, life, health, and general insurance products, as well as services for Non-Resident Indians (NRIs) like loans and money remittance.

The bank also focuses on agricultural products through schemes such as Kisan credit cards, gold loans, and farm mechanization loans. Additionally, it supports internet banking and online payment services.

Founded in 1906, Bank of India is headquartered in Mumbai, India. It has demonstrated financial strength with trailing 12 months revenue of Rs. 76,559.1 Crores and a profit of Rs. 8,190.8 crores over the past four quarters. The company saw a revenue growth of 65.5% in the last three years and offers a dividend yield of 4.58% per year, with a recent return of Rs. 4.8 dividend per share. However, it has also diluted shareholdings of its investors by 10.9% in the past three years.

Industry Group:Banks
Employees:50,944
Website:bankofindia.co.in

Important Disclosure & Data Context

This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.

The Good, Bad and Ugly
Growth
Measures how quickly a company is expanding through metrics like revenue growth, earnings growth, and cash flow growth over time. Strong growth can indicate future potential.
Profitability
Shows how efficiently a company turns business activities into profit, using metrics like profit margins, return on equity (ROE), and return on assets (ROA).
Size
Indicates the company's market presence through metrics like market capitalization, total assets, and revenue. Size can influence stability and market influence.
Dilution Rank
Tracks how much the company's shares have increased or decreased over time. Lower dilution means existing shareholders maintain stronger ownership stakes.
Balance Sheet
Evaluates the company's financial health by analyzing assets, debts, and equity. A strong balance sheet indicates financial stability and flexibility.
Momentum
Measures the strength and speed of price movements, showing whether the stock is gaining or losing market favor over different time periods.
Technicals
Analyzes price patterns, trading volumes, and other market indicators to identify potential trading opportunities and market trends.
Smart Money
Tracks the investment activities of institutional investors, hedge funds, and other large financial players who often have deep research capabilities.
Insider Trading
Monitors buying and selling of company shares by executives, directors, and other insiders who may have unique insights into the company's prospects.

Performance Comparison

BANKINDIA vs Banks (2021 - 2026)

BANKINDIA leads the Banks sector while registering a 10.9% growth compared to the previous year.

Sharesguru Stock Score

BANKINDIA

77/100
Sharesguru Stock Score

BANKINDIA

77/100
Moneycontrol

State Bank of India has reported consistent growth in revenue and net profit over the past five years.

Moneycontrol

The bank's asset quality has improved significantly.

Moneycontrol

Investors are assessing the stock's performance amidst a generally bullish market sentiment.

Updates from Bank of India

Credit Rating • 05 Feb 2026
Credit Rating Reaffirmed by India Ratings & Research for Banks Tier II and Long Term Infra Bonds
Earnings Call Transcript • 28 Jan 2026
Transcript for Earnings Call with Analyst/Investors Q3 FY26
General • 28 Jan 2026
Bank of India has informed the Exchange regarding Redemption of Debentures/bonds 9.04% BOI INE084A08136 Addl Tier I Bonds Series VI
Change in Management • 27 Jan 2026
Change in Company Secretary
Newspaper Publication • 22 Jan 2026
Newspaper Publication for Financial Result for Q3 December, 2025
Newspaper Publication • 22 Jan 2026
Newspaper Publication for Financial Result for Q3 December, 2025

This information is AI-generated and may contain inaccuracies. Please verify from multiple sources.

  1. Question: Do you expect higher growth than what you are guiding, or do you just want to be conservative?
    Answer: We have been growing our global business at about 12%, with credit growth above 13% and deposits at around 11%. Particularly, domestic credit has surged over 15%. Our corporate pipeline stands at approximately Rs. 80,000 crore, including Rs. 65,000 crore ready for the next two quarters. Thus, I'm confident that our growth will surpass current guidance in the next financial year.

  2. Question: What is the current status of unavailed credit?
    Answer: The Rs. 65,000 crore corporate pipeline includes in-principle approvals, sanctions pending documentation, and those ready for disbursement. This entire amount won't be disbursed in just this quarter; distribution will occur over the next six months, primarily in Q4 FY26 and Q1 FY27.

  3. Question: You mentioned shedding low-yielding advances; can you explain that?
    Answer: Yes, the idea is to manage our portfolio efficiently. We identified that many low-yielding advances, like those linked to repo rates, were impacting our margins. We've diligently reallocated resources to areas yielding 25-40 basis points higher returns, evidenced by an uptick in our global NIM, which improved from 2.41% to 2.57%.

  4. Question: How do you see RAM growth sustaining in 2026?
    Answer: We remain optimistic about RAM growth for FY27. With increasing income levels and changes in MSME definitions, I'm confident that both RAM segments and aligned agriculture strategies we're pursuing will enhance our asset quality and margins.

  5. Question: What is the expected impact of the ECL on your profitability?
    Answer: The projected impact of Expected Credit Loss (ECL) is about 2% on our CRAR, translating to around Rs. 4,600-4,700 crore. However, it will be staggered over five years, impacting only about 0.40% annually. Given our robust net profits, we believe this won't adversely affect our CRAR.

  6. Question: What recovery targets do you have for FY26?
    Answer: For the first nine months, we've achieved recoveries of approximately Rs. 5,300 crore, aiming for an additional Rs. 2,000 crore this quarter. Thus, our total recovery target for FY26 will be around Rs. 7,200-7,300 crore, with an anticipated write-off recovery target of Rs. 3,000 crore against outstanding written-off accounts of about Rs. 50,000 crore.

  7. Question: What is the status of your digital initiatives?
    Answer: We've launched 29 business journeys, majorly in loans and liabilities, and are committing roughly 10% of our operational expenses to IT. Furthermore, our "Star Aditya" AI-driven project is progressing well, improving our operational efficiency and cybersecurity measures with significant customer experience focus.

  8. Question: How does the Bank plan to expand branches?
    Answer: We've opened over 145 branches this year and have plans for 200 more next fiscal year, leading to a total of 600 branches across India in three years. Our focus is evenly distributed among all geographies, ensuring a balanced growth approach.

  9. Question: What's the target NIM for your 125-year plan?
    Answer: While we cannot inaccurately predict targets due to current volatility, for FY26, we aim to maintain a NIM of around 2.50%, aiming for 2.60% in Q4. We're focusing on increasing yields while managing our advances to ensure stable margins.

  10. Question: What competitive pressures are impacting your CASA deposits?
    Answer: There's a fundamental shift across banks resulting in reduced CASA percentages as customers explore various investment avenues. Our CASA now stands around 38%, and while we grow our deposits, we'll increasingly rely on retail term deposits to counterbalance this structural challenge.

Distribution across major stakeholders

Ownership Distribution

Distribution across major institutional holders

-6.20%
+31.60%
6.19
0.95
-
-
PNBPunjab National Bank1.41 LCr1.5 LCr-2.20%+23.20%7.470.94--
UNIONBANKUnion Bank of India1.36 LCr1.31 LCr+7.10%+49.20%6.241.04--
CANBKCanara Bank1.34 LCr1.57 LCr-3.70%+55.30%5.990.85--

Income Statement for Bank of India

Consolidated figures (in Rs. Crores) /
Description(%) Q/QMar-2025Mar-2024Mar-2023Mar-2022Mar-2021Mar-2020
Interest or discount on advances or bills16.7%50,33743,12633,54925,98727,548-
Revenue on investments22%17,38414,24612,03411,15511,648-
Interest on balances with RBI and others11.1%3,2062,8861,6756381,155-
Other interest-53.3%381815674501503-
Total interest earned16.8%71,30861,07347,93238,28140,854-
Other income46.1%9,1056,2337,2118,0117,496-
Total income19.5%80,41267,30655,14346,29148,350-
Total expenditure20.2%63,80453,06341,81436,25437,427-
Interest expended23.4%46,59437,75727,44124,08326,421-
Employees cost12.1%10,3879,2638,4537,1126,529-
Other operating expenses12.9%6,8236,0445,9215,0584,477-
Operating expenses12.4%17,21015,30614,37412,17011,006-
Operating profit16.6%16,60814,24313,32910,03810,923-
Provisions other than tax and contingencies0%4,0504,0507,2304,4647,645-
Profit before tax23.2%12,55810,1936,0995,5743,278-
Tax expense-15.5%3,2193,8092,2172,1681,079-
Profit after tax46.3%9,3396,3853,8823,4062,199-
Net profit (loss) for the period46.3%9,3396,3853,8823,4062,199-
Profit (loss) of minority interest160.4%3.892.111.38-5.27-2.19-
Reserve excluding revaluation reserves-67,850-----
CET 1 ratio-0.1%0.15590.15660.14250.14650.1216-
Additional tier 1 ratio-0.1%06206808042044-
Gross non performing assets-00045,60556,535-
Non performing assets-0009,85212,262-
Return on assets-00003013-
Description(%) Q/QDec-2025Sep-2025Jun-2025Mar-2025Dec-2024Sep-2024
Interest or discount on advances or bills5.5%13,74513,02512,87113,15212,97812,143
Revenue on investments-1.9%4,4804,5674,6604,4114,5584,338
Interest on balances with RBI and others-11.1%698785832893754817
Other interest-10.5%1291441032328168
Total interest earned2.9%19,05218,52118,46718,47918,31717,466
Other income4.9%2,3272,2182,2113,4551,7802,532
Total income3.1%21,37920,74020,67821,93420,09819,998
Total expenditure1.4%17,12416,88716,60817,01616,33415,797
Interest expended-0.2%12,50412,53012,32112,33312,16611,403
Standalone figures (in Rs. Crores) /
Description(%) Q/QMar-2025Mar-2024Mar-2023Mar-2022Mar-2021Mar-2020
Interest or discount on advances or bills16.7%50,04542,88133,36825,84227,40728,805
Revenue on investments21.8%17,20514,12311,94311,11611,54810,704
Interest on balances with RBI and others10.5%3,1952,8911,6666231,1422,432
Other interest-53.3%381815671495503413
Total interest earned16.7%70,82660,70947,64838,07640,59942,353

Balance Sheet for Bank of India

Consolidated figures (in Rs. Crores) /
Description(%) Q/QSep-2025Mar-2025Sep-2024Mar-2024Sep-2023Mar-2023
Total assets3.4%1,092,1151,056,42510,001,261,300,000924,280863,669826,036
Cash balances with RBI-28.6%37,22452,12635,46138,89440,81944,382
Investments0.9%270,445268,002278,437234,592218,327211,324
Advances7.1%699,643653,518603,663566,644522,484488,688
Fixed assets-1.8%11,83012,04710,40510,32810,22110,061
Other assets2.6%22,59622,02025,83229,59429,69431,281
Capital0%4,5534,5534,5534,5534,1044,104
Reserves and surplus3.9%79,14976,17269,45166,18958,50556,329
Deposits4.5%856,863819,806778,245740,611706,438672,194
Borrowings-4.8%117,966123,869118,85280,96065,39665,015
Other liabilities and provisions4.9%33,58332,02429,02431,96729,22628,393
Total capital and liabilities3.4%1,092,1151,056,4251,000,126924,280863,669826,036
Standalone figures (in Rs. Crores) /
Description(%) Q/QSep-2025Mar-2025Sep-2024Mar-2024Sep-2023Mar-2023
Total assets3.3%1,077,4581,042,5829,868,571,500,000912,598853,028815,556
Cash balances with RBI-28.5%36,96651,73035,14238,55640,49744,035
Investments0.7%260,900259,112269,744227,144211,848204,398
Advances7.1%695,660649,657600,006563,145519,089485,900
Fixed assets-1.9%11,71611,93910,29710,22610,1209,961
Other assets2.3%22,09221,59325,30529,14529,28430,902
Capital0%4,5534,5534,5534,5534,1044,104

Cash Flow for Bank of India

Consolidated figures (in Rs. Crores) /
Description(%) Q/QMar-2025Mar-2024Mar-2023Mar-2022Mar-2021Mar-2020
Profit Before Extraord. Items And Tax23.2%12,55810,1936,0995,574--
Finance costs64.1%1,302794697704--
Depreciation-84.3%1046561,649988--
Impairment loss / reversal-290.9%-159.3385-1,574.51352--
Total adjustments to profit/loss-18.7%1,2481,5357722,044--
Change in inventories-39.3%-32,513.96-23,347.45-30,874.5610,531--
Change in trade receivables-11.5%-91,534.58-82,125.56-69,353.76-58,326.5--
Change in trade payables15.8%79,19568,41742,213882--
Adjustments for Provisions7.5%4,3324,0286,0224,067--
Total adj. for working capital126.7%4,695-17,571.67-14,206.26-42,619.21--
Net Cashflows From Operations416.6%18,501-5,843.14-7,335.74-35,001.91--
Dividends received-115.3%-30.56-13.66-21.25-15.6--
Income taxes paid (refund)111.6%145-1,239.92-356.04556--
Other inflows/outflows of cash16.2%209180-44.0986--
Net Cashflows From Operating Activities517.6%18,534-4,436.94-7,045.04-35,486.91--
Proceeds from sales of tangible assets113%502410023--
Purchase of tangible assets-15.1%723851623572--
Dividends received130.8%31142116--
Other inflows/outflows of cash-19.1%-211.94-177.74-18.91-111.06--
Net Cashflows From Investing Activities13.8%-854.48-991.04-521.33-643.95--
Proceeds from issuing shares-97.8%1114,9825592,550--
Proceeds from issuing debt etc400.8%2,5005001,500-700--
Dividends paid55.4%1,2758218210--
Interest paid64.1%1,302794697704--
Net Cashflows From Financing Activities-99.1%343,8685411,146--
Net change in cash and cash eq.1234.5%17,714-1,560.31-7,025.6-34,984.73--
Standalone figures (in Rs. Crores) /
Description(%) Q/QMar-2025Mar-2024Mar-2023Mar-2022Mar-2021Mar-2020
Profit Before Extraord. Items And Tax23.1%12,43410,0996,2295,567--
Finance costs64.1%1,302794697704--
Depreciation-85.4%956461,644979--
Impairment loss / reversal-290.9%-159.3385-1,574.51352--
Total adjustments to profit/loss-18.8%1,2381,5257662,035--
Change in inventories-41.8%-31,083.44-21,914.93-28,868.9112,140--
Change in trade receivables-12%-91,105.09-81,354.52-68,659.7-58,098.22--

Employees cost9.3%2,7072,4762,4202,9062,4622,653
Other operating expenses1.6%1,9121,8811,8671,7781,7071,741
Operating expenses6%4,6194,3584,2874,6834,1694,394
Operating profit10.5%4,2563,8524,0704,9183,7634,201
Provisions other than tax and contingencies18.3%5824921,1121,3663171,062
Exceptional items-00-518.8000
Profit before tax9.3%3,6743,3612,4393,5513,4473,138
Tax expense10.7%924835675904888740
Profit after tax8.9%2,7502,5261,7642,6482,5592,399
Net profit (loss) for the period8.9%2,7502,5261,7642,6482,5592,399
Profit (loss) of minority interest146.4%1.98-1.110.950.341.470.46
Reserve excluding revaluation reserves-------
CET 1 ratio-0.2%0.1430.14480.15060.15590.13670.1426
Additional tier 1 ratio0%058059062062063065
Other income
47.6%
8,994
6,095
7,100
7,879
7,441
6,713
Total income19.5%79,82066,80454,74845,95548,04149,066
Total expenditure20.2%63,40852,73641,35535,96637,16937,548
Interest expended23.3%46,43237,65727,37324,01426,33027,096
Employees cost12.1%10,3009,1888,3927,0566,4736,141
Other operating expenses13.3%6,6765,8915,5904,8974,3664,310
Operating expenses12.6%16,97515,07913,98211,95210,83910,451
Operating profit16.7%16,41214,06913,3939,98810,87211,519
Provisions other than tax and contingencies0.2%3,9783,9707,1634,4227,63616,121
Profit before tax23.1%12,43410,0996,2295,5673,237-4,602.73
Tax expense-15%3,2153,7812,2062,1621,076-1,645.84
Profit after tax45.9%9,2196,3184,0233,4052,160-2,956.89
Net profit (loss) for the period45.9%9,2196,3184,0233,4052,160-2,956.89
Reserve excluding revaluation reserves-65,781-----
CET 1 ratio-0.1%0.14840.14930.1360.14020.11510.0988
Additional tier 1 ratio-0.1%0630690804304502
Gross non performing assets-25.5%21,74929,18337,68645,60556,53561,550
Non performing assets-21.7%5,3586,8458,0549,85212,26214,320
Return on assets0.2%0907049043013-043
Description(%) Q/QDec-2025Sep-2025Jun-2025Mar-2025Dec-2024Sep-2024
Interest or discount on advances or bills5.7%13,68112,94412,79213,06412,91812,068
Revenue on investments-2.1%4,4364,5304,6244,3434,5284,295
Interest on balances with RBI and others-13.4%682787833893737823
Other interest-10.5%1291441032328168
Total interest earned2.8%18,92718,40618,35218,32318,21117,355
Other income2.7%2,2792,2202,1663,4281,7462,518
Total income2.8%21,20620,62620,51821,75119,95719,872
Total expenditure1.2%17,01316,80516,50916,86616,25415,725
Interest expended-0.2%12,46612,49212,28412,26012,14011,369
Employees cost8.2%2,6522,4522,3962,8822,4412,631
Other operating expenses1.9%1,8951,8601,8291,7231,6731,724
Operating expenses5.4%4,5474,3134,2254,6054,1144,355
Operating profit9.7%4,1933,8214,0094,8853,7034,147
Provisions other than tax and contingencies30.7%5764411,0961,3383041,043
Profit before tax7%3,6173,3802,9133,5473,3993,104
Tax expense10.6%912825661921882731
Profit after tax5.9%2,7052,5552,2522,6262,5172,374
Net profit (loss) for the period5.9%2,7052,5552,2522,6262,5172,374
Reserve excluding revaluation reserves-------
CET 1 ratio-0.2%0.13760.13890.14520.14840.12960.1352
Additional tier 1 ratio0%0606062063064066
Gross non performing assets-7.2%16,71418,01419,64021,74924,04827,455
Non performing assets-3.8%4,3594,5304,9505,3585,4105,648
Return on assets0.1%0960910820980960
Reserves and surplus4.4%77,28774,04867,25564,32756,79254,866
Deposits4.5%853,301816,541775,181737,920703,751669,586
Borrowings-4.8%117,932123,856118,81680,92465,36064,979
Other liabilities and provisions3.4%24,38523,58321,05324,87323,02122,020
Total capital and liabilities3.3%1,077,4581,042,582986,857912,598853,028815,556
Change in trade payables
15.1%
78,621
68,334
41,690
782
-
-
Adjustments for Provisions7.9%4,2603,9475,9564,024--
Total adj. for working capital129.6%4,685-15,808.65-13,188.6-42,339.07--
Net Cashflows From Operations538.6%18,358-4,184.28-6,193.05-34,736.84--
Dividends received-125.7%-36.08-15.43-21.25-18.45--
Income taxes paid (refund)106.2%80-1,266.41-414.88561--
Net Cashflows From Operating Activities721.6%18,242-2,933.3-5,799.42-35,316.26--
Proceeds from sales of tangible assets156.2%421713820--
Purchase of tangible assets-16%697830642569--
Dividends received150%36152118--
Net Cashflows From Investing Activities56.5%-820.81-1,890.23-1,345.02-834.66--
Proceeds from issuing shares-100%04,48002,532--
Proceeds from issuing debt etc400.8%2,5005001,500-700--
Dividends paid55.4%1,2758218210--
Interest paid64.1%1,302794697704--
Net Cashflows From Financing Activities-102.3%-77.223,365-17.881,128--
Net change in cash and cash eq.1288.5%17,344-1,458.19-7,162.32-35,023.02--
Press Release / Media Release • 21 Jan 2026
Press Release for the Quarter ended December,2025

Revenue Breakdown

Analysis of Bank of India's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.

Last Updated: Dec 31, 2025

DescriptionShareValue
Retail Banking Operations38.5%8.3 kCr
Wholesale Banking Operations34.3%7.4 kCr
Treasury Operations26.4%5.7 kCr
Unallocated0.7%157.5 Cr
Total21.6 kCr