| 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
- ₹132.73
- Market cap
- ₹60,428 Cr
- Revenue (annual)
- ₹75,613 Cr
- Net profit (annual)
- ₹10,306 Cr
- P/E (TTM)
- 5.1×Sector 21.9×
- 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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