Bank of India
BANKINDIAFinancial Services filings
We hold this company’s filings and have not read the financial statements out of them yet. Every filing on record is listed under filings, and each one opens.
Earnings calls
17 transcript(s)/analyst meet(s) served; 0 document(s) on file are not transcripts (cover letters, duplicates, unresolved) and are excluded. Speaker attribution is shown only where the segmenter attributes ≥ 95% of sentences to management or analysts (3 of 17 documents here); elsewhere sentences render unattributed.
| Kind | Date | Period | Served | Attribution rate |
|---|---|---|---|---|
| TRANSCRIPT | 20200207 | 2019-12-31 | yes | |
| TRANSCRIPT | 20220601 | 2021-03-31 | yes | |
| TRANSCRIPT | 20220812 | 2021-06-30 | yes | |
| TRANSCRIPT | 20221111 | 2021-09-30 | yes | |
| TRANSCRIPT | 20230124 | 2021-12-31 | yes | |
| TRANSCRIPT | 20240212 | 2022-12-31 | yes | |
| TRANSCRIPT | 20230512 | 2023-03-31 | yes | |
| TRANSCRIPT | 20231117 | 2023-09-30 | yes | |
| TRANSCRIPT | 20240518 | 2024-03-31 | yes | |
| TRANSCRIPT | 20240809 | 2024-06-30 | yes | |
| TRANSCRIPT | 20241119 | 2024-09-30 | yes | |
| TRANSCRIPT | 20250131 | 2024-12-31 | yes | |
| TRANSCRIPT | 20250804 | 2025-06-30 | yes | |
| TRANSCRIPT | 20251027 | 2025-09-30 | yes | |
| TRANSCRIPT | 20260128 | 2025-12-31 | yes | |
| TRANSCRIPT | 20260515 | 2026-03-31 | yes | |
| TRANSCRIPT | 20260730 | 2026-06-30 | yes |
BANKINDIA
files the banking form. Every figure below opens to the filing it was read from; where a figure is not shown, the reason is printed in its place.
Identity
| Statement division | banking |
| Scope served | consolidated |
| Panels on this page | 5 |
Market
No split, bonus or consolidation is on record for this company inside the period this price series covers, so the closes need no adjustment.
| Last close | 137.76 |
| 52-week range | 116.33 – 177.2 |
| Return 1M | -4.33% |
| Return 3M | -4.81% |
| Return 1Y | 13.86% |
| Return 3Y | 29.29% |
| Return 5Y | 155.35% |
| Market capitalisation | not shown — we could not confirm it |
| Shares outstanding | not shown — we could not confirm it |
| P/E | not shown — we could not confirm it |
| P/B | not shown — we could not confirm it |
| EV/EBITDA | not shown — we could not confirm it |
Latest quarter filed — period ending 2026-06-30
In INR crore except per-share figures. `period_id` is the period the filing names for the number; the date beside each cell is when it was filed.
| Interest earned | 20,097.00 |
| Interest on advances and bills | 14,444.00 |
| Income on investments | 4,594.00 |
| Interest on balances with the RBI and interbank funds | 679.00 |
| Other interest | 380.00 |
| Interest expended | 13,156.00 |
| Other income | 2,615.00 |
| Total income | 22,712.00 |
Ownership — 2026-06-30, and the change from 2026-03-31
| Holder | Per cent | Change |
|---|---|---|
| promoter and promoter group | 0.73 | 0.00 |
| institutions foreign | 0.07 | -0.00 |
| institutions domestic | 0.14 | 0.00 |
| mutual funds | 0.04 | 0.01 |
| public | 0.27 | 0.00 |
Documents on file
| Class | Most recent | On file |
|---|---|---|
| TRANSCRIPT | 2026-06-30 | 17 |
Financial statements
Filed results, consolidated, in INR crore except per-share figures. Every figure opens to the filing it was read from. Quarterly and annual columns are the periods the filing itself names, never a document date.
Cash flow, as filed
| Line | 2022-09-30 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|
| Net cash from operating activities | — | -1,182.00 | -4,437.00 | -1,787.00 | -10,728.00 | 4,753.00 |
| Net cash from investing activities | -549.00 | -385.00 | -991.00 | -374.00 | 252.00 | -329.00 |
| Net cash from financing activities | -647.00 | — | 3,868.00 | 828.00 | -2,761.00 | -5,672.00 |
| Purchase of property, plant and equipment | 319.00 | 412.00 | 851.00 | 396.00 | 350.00 | 890.00 |
| Net increase in cash | -6,853.00 | -1,740.00 | -1,560.00 | -1,333.00 | -13,237.00 | -1,248.00 |
| con:CFO.BEFORE_TAX | -6,661.00 | -3,157.00 | -5,843.00 | -2,897.00 | -11,768.00 | 4,872.00 |
| con:INTEREST_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INTEREST_PAID.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:DIVIDENDS_RECEIVED.OPERATING | 0.00 | -14.00 | -14.00 | 8.00 | -14.00 | -29.00 |
| con:TAX_PAID.OPERATING | -826.00 | -1,989.00 | -1,240.00 | -1,102.00 | -937.00 | 307.00 |
| con:CF_OTHER.OPERATING | 0.00 | 0.00 | 180.00 | 0.00 | 116.00 | 217.00 |
| con:INVESTMENTS_PURCHASED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:PPE_DISPOSALS | 14.00 | 13.00 | 24.00 | 22.00 | 8.00 | 45.00 |
| con:CF_INVESTING.SUBSIDIARIES_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.SUBSIDIARIES_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Quarterly results, as filed
| Line | 2022-09-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 11,545.00 | 15,062.00 | 15,319.00 | 16,250.00 | 17,046.00 | 17,466.00 | 18,317.00 | 18,467.00 | 18,521.00 | 19,052.00 | 19,573.00 | 20,097.00 |
| Interest on advances and bills | 8,168.00 | 10,655.00 | 11,050.00 | 11,693.00 | 12,064.00 | 12,143.00 | 12,978.00 | 12,871.00 | 13,025.00 | 13,745.00 | 14,152.00 | 14,444.00 |
| Income on investments | 2,878.00 | 3,511.00 | 3,541.00 | 3,686.00 | 4,078.00 | 4,338.00 | 4,558.00 | 4,660.00 | 4,567.00 | 4,480.00 | 4,485.00 | 4,594.00 |
| Interest on balances with the RBI and interbank funds | 323.00 | 777.00 | 686.00 | 731.00 | 742.00 | 817.00 | 754.00 | 832.00 | 785.00 | 698.00 | 451.00 | 679.00 |
| Other interest | 177.00 | 118.00 | 42.00 | 140.00 | 162.00 | 168.00 | 28.00 | 103.00 | 144.00 | 129.00 | 485.00 | 380.00 |
| Interest expended | 6,433.00 | 9,256.00 | 9,792.00 | 10,242.00 | 10,693.00 | 11,403.00 | 12,166.00 | 12,321.00 | 12,530.00 | 12,504.00 | 12,785.00 | 13,156.00 |
| Other income | 1,456.00 | 1,717.00 | 1,202.00 | 1,830.00 | 1,338.00 | 2,532.00 | 1,780.00 | 2,211.00 | 2,218.00 | 2,327.00 | 3,280.00 | 2,615.00 |
| Total income | 13,001.00 | 16,779.00 | 16,521.00 | 18,080.00 | 18,384.00 | 19,998.00 | 20,098.00 | 20,678.00 | 20,740.00 | 21,379.00 | 22,853.00 | 22,712.00 |
| Employee benefit expense | 1,948.00 | 2,197.00 | 2,228.00 | 2,563.00 | 2,367.00 | 2,653.00 | 2,462.00 | 2,420.00 | 2,476.00 | 2,707.00 | 2,846.00 | 2,640.00 |
| Operating expenses | 3,386.00 | 3,705.00 | 3,671.00 | 4,193.00 | 3,964.00 | 4,394.00 | 4,169.00 | 4,287.00 | 4,358.00 | 4,619.00 | 4,987.00 | 4,418.00 |
| Expenditure excluding provisions and contingencies | 9,819.00 | 12,961.00 | 13,464.00 | 14,435.00 | 14,657.00 | 15,797.00 | 16,334.00 | 16,608.00 | 16,887.00 | 17,124.00 | 17,771.00 | 17,574.00 |
| Operating profit before provisions | 3,182.00 | 3,819.00 | 3,057.00 | 3,645.00 | 3,727.00 | 4,201.00 | 3,763.00 | 4,070.00 | 3,852.00 | 4,256.00 | 5,082.00 | 5,138.00 |
| Provisions and contingencies | 1,928.00 | 841.00 | 518.00 | 1,848.00 | 1,305.00 | 1,062.00 | 317.00 | 1,112.00 | 492.00 | 582.00 | 1,002.00 | 971.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -519.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 1,255.00 | 2,977.00 | 2,539.00 | 1,797.00 | 2,422.00 | 3,138.00 | 3,447.00 | 2,439.00 | 3,361.00 | 3,674.00 | 4,079.00 | 4,167.00 |
| Tax expense | 503.00 | 1,489.00 | 643.00 | 298.00 | 688.00 | 740.00 | 888.00 | 675.00 | 835.00 | 924.00 | 1,030.00 | 1,028.00 |
| Profit for the period | 752.00 | 1,489.00 | 1,895.00 | 1,499.00 | 1,734.00 | 2,399.00 | 2,559.00 | 1,764.00 | 2,526.00 | 2,750.00 | 3,050.00 | 3,138.00 |
| Profit attributable to owners | 854.00 | 1,499.00 | 1,930.00 | 1,574.00 | 1,888.00 | 2,421.00 | 2,637.00 | 1,830.00 | 2,577.00 | 2,812.00 | 3,088.00 | 3,303.00 |
| Profit attributable to non-controlling interests | -1.00 | 1.00 | 1.00 | -0.00 | 2.00 | 0.00 | 1.00 | 1.00 | -1.00 | 2.00 | 1.00 | 1.00 |
| con:SHARE_OF_ASSOCIATES | 101.00 | 10.00 | 36.00 | 75.00 | 156.00 | 23.00 | 79.00 | 67.00 | 50.00 | 64.00 | 39.00 | 166.00 |
| Earnings per share, basic | 2.08 | 3.65 | 4.59 | 3.46 | 4.15 | 5.32 | 5.79 | 4.02 | 5.66 | 6.18 | 6.78 | 7.25 |
| Earnings per share, diluted | 2.08 | 3.65 | 4.59 | 3.46 | 4.15 | 5.32 | 5.79 | 4.02 | 5.66 | 6.18 | 6.78 | 7.25 |
Annual results, as filed
| Line | 2024-03-31 | 2026-03-31 |
|---|---|---|
| Interest earned | 61,073.00 | 75,613.00 |
| Interest on advances and bills | 43,126.00 | 53,793.00 |
| Income on investments | 14,246.00 | 18,193.00 |
| Interest on balances with the RBI and interbank funds | 2,886.00 | 2,766.00 |
| Other interest | 815.00 | 862.00 |
| Interest expended | 37,757.00 | 50,139.00 |
| Other income | 6,233.00 | 10,036.00 |
| Total income | 67,306.00 | 85,650.00 |
| Employee benefit expense | 9,263.00 | 10,450.00 |
| Operating expenses | 15,306.00 | 18,251.00 |
| Expenditure excluding provisions and contingencies | 53,063.00 | 68,390.00 |
| Operating profit before provisions | 14,243.00 | 17,260.00 |
| Provisions and contingencies | 4,050.00 | 3,188.00 |
| Profit before exceptional items and tax | — | 13,553.00 |
| Exceptional items | 0.00 | -519.00 |
| Profit before tax | 10,193.00 | 13,553.00 |
| Tax expense | 3,809.00 | 3,463.00 |
| Profit for the period | 6,385.00 | 10,089.00 |
| Profit attributable to owners | 6,564.00 | 10,306.00 |
| Profit attributable to non-controlling interests | 2.00 | 3.00 |
| con:SHARE_OF_ASSOCIATES | 182.00 | 220.00 |
| Earnings per share, basic | 15.48 | 22.64 |
| Earnings per share, diluted | 15.48 | 22.64 |
Balance sheet, as filed
| Line | 2022-09-30 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|
| Capital | 4,104.00 | 4,104.00 | 4,553.00 | 4,553.00 | 4,553.00 | 4,553.00 |
| Reserves and surplus | 53,735.00 | 58,505.00 | 66,189.00 | 69,451.00 | 79,149.00 | 85,405.00 |
| Deposits | 649,960.00 | 706,438.00 | 740,611.00 | 778,245.00 | 856,863.00 | 930,973.00 |
| Borrowings | 45,944.00 | 65,396.00 | 80,960.00 | 118,852.00 | 117,966.00 | 118,626.00 |
| Other liabilities and provisions | 24,744.00 | 29,226.00 | 31,967.00 | 29,024.00 | 33,583.00 | 39,994.00 |
| Total equity and liabilities | 778,488.00 | 863,669.00 | 924,280.00 | 1,000,126.00 | 1,092,115.00 | 1,179,552.00 |
| Cash and balances with the RBI | 40,174.00 | 40,819.00 | 38,894.00 | 35,461.00 | 37,224.00 | 47,660.00 |
| Balances with banks and money at call | 44,682.00 | 42,125.00 | 44,229.00 | 46,328.00 | 50,376.00 | 51,929.00 |
| Investments | 190,097.00 | 218,327.00 | 234,592.00 | 278,437.00 | 270,445.00 | 279,084.00 |
| Advances | 462,591.00 | 522,484.00 | 566,644.00 | 603,663.00 | 699,643.00 | 764,651.00 |
| Property, plant and equipment | 9,952.00 | 10,221.00 | 10,328.00 | 10,405.00 | 11,830.00 | 11,877.00 |
| Other assets | 30,992.00 | 29,694.00 | 29,594.00 | 25,832.00 | 22,596.00 | 24,350.00 |
| Total assets | 778,488.00 | 863,669.00 | 924,280.00 | 1,000,126.00 | 1,092,115.00 | 1,179,552.00 |
Asset quality and capital, as filed
| Line | 2023-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross non-performing assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net non-performing assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross NPA, per cent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net NPA, per cent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Return on assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| CET-1 ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Additional Tier-1 ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Who owns it
The shareholding pattern filed with the exchange every quarter, as a series. Percentages are of total shares. Each figure names the filing it was read from and the date it was filed.
| Holder | 2023-06-30 | 2023-09-30 | 2023-12-11 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter and promoter group | 81.41 | 81.41 | 73.38 | 73.38 | 73.38 | 73.38 | 73.38 | 73.38 | 73.38 | 73.38 | 0.73 | 0.73 | 0.73 | 0.73 |
| Domestic institutions | 9.90 | 9.56 | 14.43 | 14.65 | 15.82 | 15.46 | 16.26 | 16.41 | 15.90 | 15.97 | 0.16 | 0.15 | 0.14 | 0.14 |
| Mutual funds | — | — | — | — | — | — | — | — | — | 4.32 | 0.05 | 0.04 | 0.03 | 0.04 |
| Insurance companies | 8.50 | 8.29 | 9.68 | 9.96 | 10.15 | 9.79 | 10.48 | 10.86 | 10.67 | 11.29 | 0.11 | 0.11 | 0.10 | 0.10 |
| Foreign institutions | 2.25 | 2.91 | 6.19 | 4.31 | 4.52 | 3.61 | 3.21 | 2.92 | 3.89 | 3.53 | 0.04 | 0.06 | 0.07 | 0.07 |
| Government | — | — | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Public | 18.59 | 18.59 | 26.62 | 26.62 | 26.62 | 26.62 | 26.62 | 26.62 | 26.62 | 26.62 | 0.27 | 0.27 | 0.27 | 0.27 |
| Non-institutional | 6.44 | 6.12 | 6.00 | 7.66 | 6.28 | 7.55 | 7.14 | 7.29 | 6.83 | 7.12 | 0.07 | 0.06 | 0.05 | 0.06 |
| Shares outstanding | 4103566070 | 4103566070 | 4552667866 | 4552667866 | 4552667866 | 4552667866 | 4552667866 | 4552667866 | 4552667866 | 4552667866 | 4552667866 | 4552667866 | 4552667866 | 4552667866 |
Related parties
Transactions with related parties as disclosed to the exchange for the period ending 2024-09-30, by counterparty, largest first. Amounts are as filed. Each row names the filing and the date it was filed.
| Counterparty | Relationship | Type | Amount in the period | Transactions |
|---|---|---|---|---|
| STAR UNION DAI-ICHI LIFE INSURAN CE COMPANY LIMITED | Joint Venture | Any other transaction, Interest paid, Investment | 3,605,700,000.00 | 5 |
| Indo Zambia Bank Limited | Associate | Any other transaction, Investment | 1,006,000,000.00 | 3 |
What management said
Every earnings call we hold for this company, read in full. Prepared remarks are separated from the question-and-answer session and every paragraph names who said it and on which page. These are management’s own words, not filed figures.
| Date | Quarter | Who spoke | |
|---|---|---|---|
| 2026-07-30 | Q1FY27 | Read the call | |
| 2026-05-15 | Q4FY26 | Read the call | |
| 2026-01-28 | Q3FY26 | Read the call | |
| 2025-10-27 | Q2FY26 | Read the call | |
| 2025-08-04 | Q1FY26 | Read the call | |
| 2025-01-31 | Q3FY25 | Read the call | |
| 2024-11-19 | Q2FY25 | Read the call | |
| 2024-08-09 | Q1FY25 | Read the call | |
| 2024-05-18 | Q4FY24 | Read the call | |
| 2024-02-12 | Q3FY23 | Read the call | |
| 2023-11-17 | Q2FY24 | Read the call | |
| 2023-05-12 | Q4FY23 | BANK OF INDIA | Read the call |
| 2023-01-24 | Q3FY22 | BANK OF INDIA | Read the call |
| 2022-11-11 | Q2FY22 | BANK OF INDIA, BANK OF INDIA. | Read the call |
| 2022-08-12 | Q1FY22 | Read the call | |
| 2022-06-01 | Q4FY21 | BANK OF INDIA. | Read the call |
| 2020-02-07 | Q3FY20 | BANK OF INDIA | Read the call |
What they said about it, quarter by quarter
| Topic | Q3FY22 | Q3FY23 | Q3FY25 | Q3FY26 | Q4FY21 | Q4FY23 | Q4FY24 | Q4FY26 |
|---|---|---|---|---|---|---|---|---|
| Capex | — | — | — | So that kind of significant money we are spending on IT, apart from that, there is a Capex also which we are spending on the IT side. | My last question, we are talking about digitization and digital platform, what kind of CAPEX and what kind of products we will be able to do it or it … | The Capex Part is very very small in the IT expenditure. | — | — |
| Capital allocation | — | — | The key focus area of our Bank will be enhancing customer experience through all channels and acquisition of new customers consistently by providing i… | — | Further, there is no explicit provision in the Banking Companies (Acquisition and Transfer of Undertakings)Act, 1970 and 1980, regarding such modaliti… | — | — | 10,000 crore which is improving the CRAR and CET -1 of the Bank and even if we remove the net dividend also of around Rs.1800 to 2000 crores that we h… |
| Costs | — | That is the provision which will be coming in the Q4. Mr. Marsal To increase the NIM, like you are the veteran, so you will know it very well that wha… | — | So, but nonetheless in the medium term we cannot say after six months what would happen, but we feel that it should be playing around at that number o… | That is also another cost saving measure we have taken. | — | — | So I would like your assessment on any likely impact on credit quality given the recent geopolitical developments, because there may be some effect of… |
| Debt and cash | — | — | So we have clear visibility as far as the cash flows of these borrowers are concerned. | 100 hundred crore working capital and Rs. | — | Even a sector may be bad for equity, but it may be good for credit risk point of view because it has collateral, it has tangible networth, we have cas… | — | We have 19 Emerging Corporate branches and the large corporate team have also already started identifying the accounts which will be eligible for the … |
| Demand | — | Mr. Sushil Choksey Sir what is your pipeline in terms of anticipated credit growth in the current quarter? | The visible demand rebound & revival in public Capex on infrastructure will have multiplier effects, stimulating growth in key sectors. | So, with the kind of pipeline that we are having as far as the credit is concerned of nearly Rs.80,000 crore of pipeline of which the Corporate pipeli… | There was a lot of demand for personal loans because most of these loans are consumption loans. | — | My first question comes from your TV interview where you spoke about credit growth, credit pipeline already visible. | In current environment, how are you seeing growth specifically the visibility on pipeline led by, as India is transforming a lot of new sectors are em… |
| Guidance | We expect credit growth of 11% to 12% during the current year. | And on that side also, we are saying that our guidance will be at 3.20% for the 12 months in March 24, for the Q4 and the annualised. | Moreover, ensuring robust risk management, corporate governance and compliance culture in the bank will remain the guiding force of the Top Management… | Now to conclude, I would say that, in tune with growth of the global economy and the Indian economy, the guidance for global advances growth will be a… | Bank of India q?stationship beyond banking Bank of India May 24, 2022 The banking industry during FY2021-22 witnessed a comparatively lower deposit gr… | As far as the guidance is concerned for credit growth we are giving a guidance of 11.27% on the global side and on the domestic side it will be 12.83%… | We are very confident that for March 2025, it will be considerably lower and we are giving a guidance of around 1.20% for March 2025 as far as the sli… | So, as you are aware, borrowers are eligible for ECLGS funding upto 20% of their peak of Q4. So, we have done calculation in that and we expect to fun… |
| Margin | To answer your first question regarding margin, yes, there has been a perceptible increase in margins, which has come on account of several factors. | The main reason for that, as you are aware, is because of the pressures which are there on the margin, because of which this is happening. | So there also we have made a healthy margin in the interest income of nine basis points during this quarter. | So, any fresh Q3 FY26 Earnings Call Transcript January 21, 2026 advances in the gold loan category, we are keeping a margin of 25% as against earlier … | It’s the international book which has shown lesser margin, we will try to make good that. | The margins, we had a margin of almost 2.1%- 2.2%. | — | — |
| People | — | — | — | — | — | — | — | — |
| Pricing | It is a regular as such that, that because of the growth in the advances and continuous focus on the high yielding advances and re-pricing. | How do you see the pricing environment as rates would be peaked out? | — | — | — | So once the corporate bond market comes back and reprice their coupons and if I'm able May 06, 2023 to get good pricing on corporates, I'll be open to… | — | — |
| Revenue growth | One factor is, although our credit growth was little lagging behind the industry average, but we did a lot of churning in our credit portfolio. | It has improved to Rs.44,500 crores in December 2023, which is a growth of 30%. | 14.46 lakh Cr in Dec’24 with incremental growth of Rs.1.73 lakh Cr. Global Gross Advances increased by 15.30% YoY from Rs. | Reflecting this momentum, the World Bank and RBI have projected India’s full year GDP growth at a robust 7.20% and 7.30% respectively. | — | So FY 22-23 was an aberration as far as the credit growth was concerned for the simple reason that we were coming out of COVID and March base was very… | Shri Rajneesh Karnatak, MD & CEO: So as regards our credit side is concerned, you are aware that we have touched Rs.5.85 trillion on the credit number… | Earlier we used to see that when the rain used to go down, there used to be a drought like situation in some of these states but if you see in the las… |
What they said they would do
Sentences in which management set an expectation. Each names the speaker and the page of the transcript it came from.
| Date | Quarter | Who | What they said |
|---|---|---|---|
| 2022-11-11 | Q2FY22 | BANK OF INDIA | We expect credit growth of 11% to 12% during the current year. |
| 2022-11-11 | Q2FY22 | BANK OF INDIA | We expect gross NPA ratio to be contained below 8% and credit cost at less than 1% going forward. |
| 2022-11-11 | Q2FY22 | BANK OF INDIA | We aim to maintain NIM at around 3% thus ensuring sustainable growth in profits. |
| 2022-11-11 | Q2FY22 | BANK OF INDIA | And the net NPA ratio, we also had a guidance of below 2% so by the year end we will try to bring it down to below 1.5%. |
| 2023-01-24 | Q3FY22 | BANK OF INDIA | We expect credit growth of 11% to 12% during the current year. |
| 2023-01-24 | Q3FY22 | BANK OF INDIA | We expect gross NPA ratio to be contained below 7% and credit cost at less than 1% going forward. |
| 2023-01-24 | Q3FY22 | BANK OF INDIA | We aim to maintain NIM between 3.25% and 3.50%, thus ensuring a sustainable growth in profits. |