Bank of India (BANKINDIA) Q4 25/26 earnings summary

Executive summary

• Achieved resilient financial performance in FY 2026, with global business mix growing 14.57% YoY to ₹16,98,662 crore, deposits up 13.56%, and advances up 15.82%.

• Net profit increased 14% YoY to ₹10,527 crore, with operating profit up 4% to ₹17,049 crore.

• Asset quality improved, with gross NPA ratio declining to 1.98% and net NPA to 0.56%.

• Enhanced digital offerings and transformation initiatives led to significant growth in digital lending, alternative delivery channels, and digital business volumes.

• Audited standalone and consolidated financial results for FY26 were approved, with a recommended dividend of ₹4.65 per share, subject to shareholder approval.

Financial highlights

• Net interest income rose 3% YoY to ₹25,172 crore; non-interest income grew 10% to ₹9,874 crore.

• Cost-to-income ratio stood at 51.35% for FY26, with net interest margin at 2.52%.

• Return on assets improved to 0.93%, and return on equity was 14.90% for FY26.

• Provision coverage ratio increased to 93.57%; CRAR (Basel III) at 18.01% as of March 31, 2026.

• Standalone net profit for FY26 was ₹1,052.7 crore, up from ₹921.9 crore in FY25; consolidated net profit was ₹1,030.6 crore, up from ₹954.8 crore YoY.

Outlook and guidance

• Guidance for FY27: global advances growth of 15%-16%, global deposit growth of 13%-14%.

• Focus on strengthening low-cost deposit base, growing high-yielding advances, and maintaining balanced CD ratio.

• Targeting domestic NIM close to 3% and overall NIM of 2.70%-2.75% by March 2027.

• ROA guidance for FY27 is 1%.

• Continued emphasis on ESG initiatives, financial inclusion, and sustainable growth.