| Margins | NIM at 2.52%; Cost of Funds decreased to 4.45%. |
|---|---|
| Order book | Global Business Mix at ₹17,55,699 Cr. |
| Demand visibility | Strong credit growth across Retail (20.60%) and MSME (19.34%). |
| Management confidence | High; citing strengthened asset quality and RAM focus. |
Growth
Net Profit surged 36.23% YoY to ₹3,068 Cr; Global Advances and Deposits grew 18.64% and 14.90% respectively.
Outlook
Bank continues strengthening RAM portfolio (58.30% of domestic advances). CRAR improved by 130 bps YoY.
Risks
Net Interest Margin (NIM) slightly compressed to 2.52% from 2.55% YoY. Slippage ratio remains at 0.24%.
Last quarter's promises, checked
Delivered
- Global advances growth 15-16% → delivered 18.64% (= BEAT)
- Global deposit growth 13-14% → delivered 14.90% (= BEAT)
- ROA guidance 1.00% → delivered 1.01% (= BEAT)
Partly delivered
- Global NIM guidance 2.70-2.75% → 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
- ₹133.55
- Market cap
- ₹60,801 Cr
- Revenue (annual)
- ₹75,613 Cr
- Net profit (annual)
- ₹10,306 Cr
- P/E (TTM)
- 5.2×Sector 21.8×
- Promoter holding
- 73.38%+0.00% QoQ
- FII holding
- 6.87%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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