Bank of India (BOI) — Quarter ended 31 March 2026 (FY ended 31 March 2026)
Optional commentary: Financial figures are reported in ₹ lakh unless otherwise stated.
| Sr. No. | Particulars | Standalone Quarter ended | Standalone Year ended | Consolidated Quarter ended | Consolidated Year ended |
|---|---|---|---|---|---|
| Audited 31.03.2026 | Reviewed 31.12.2025 | Audited 31.03.2025 | Audited 31.03.2026 | ||
| 1 | Interest earned (a)+(b)+(c)+(d) | 1,947,586 | 1,892,713 | 1,832,321 | 7,516,127 |
| (a) Interest/discount on advances/bills | 1,405,495 | 1,368,061 | 1,306,421 | 5,347,233 | |
| (b) Income on Investments | 446,077 | 443,596 | 434,268 | 1,805,048 | |
| (c) Interest on balances with RBI and other inter bank funds | 47,494 | 68,168 | 89,330 | 277,690 | |
| (d) Others | 48,520 | 12,888 | 2,302 | 86,156 | |
| 2 | Other Income | 320,952 | 227,882 | 342,759 | 987,427 |
| 3 | TOTAL INCOME (1+2) | 2,268,538 | 2,120,595 | 2,175,080 | 8,503,554 |
| 4 | Interest expended | 1,274,567 | 1,246,644 | 1,226,049 | 4,998,851 |
| 5 | Operating expenses (e)+(f) | 491,400 | 454,672 | 460,548 | 1,799,830 |
| (e) Employees cost | 281,143 | 265,182 | 288,217 | 1,031,177 | |
| (f) Other operating expenses (All items exceeding 10% of the total expenditure excluding interest expenditure may be shown separately) | 210,257 | 189,490 | 172,331 | 768,653 | |
| 6 | TOTAL EXPENSES (4)+(5) (excluding Provisions and Contingencies) | 1,765,967 | 1,701,316 | 1,686,597 | 6,798,681 |
| 7 | OPERATING PROFIT (3)-(6) (Profit before Provisions and Contingencies) | 502,571 | 419,279 | 488,483 | 1,704,873 |
| 8 | Provisions (other than tax) and Contingencies | 98,976 | 57,599 | 133,766 | 310,307 |
| of which provision for Non-performing Assets | 121,068 | 60,517 | 134,703 | 339,267 | |
| 9 | Exceptional items | – | – | – | – |
| 10 | Profit / (Loss) from Ordinary Activities before tax (7)-(8)-(9) | 403,595 | 361,680 | 354,717 | 1,394,566 |
| 11 | Tax Expense | 102,016 | 91,213 | 92,126 | 341,851 |
| 12 | Net Profit / (Loss) from Ordinary Activities after tax(7)-(8)-(11) | 301,579 | 270,467 | 262,591 | 1,052,715 |
| Less: Minority Interest | |||||
| Add: Share of earnings in Associates | |||||
| 13 | Extraordinary items (net of tax expense) | – | – | – | – |
| 14 | Net Profit(+)/Loss(-) for the period | 301,579 | 270,467 | 262,591 | 1,052,715 |
| 15 | Paid-up equity share capital (Face value ₹ 10/- each) | 455,341 | 455,341 | 455,341 | 455,341 |
| 16 | Reserves excluding Revaluation Reserve | 7,547,654 |
| Sr. No. | Particulars | Standalone Quarter ended Audited 31.03.2026 | Reviewed 31.12.2025 | Audited 31.03.2025 | Year ended Audited 31.03.2026 | Audited 31.03.2025 | Consolidated Quarter ended Audited 31.03.2026 | Reviewed 31.12.2025 | Audited 31.03.2025 | Year ended Audited 31.03.2026 | Audited 31.03.2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 17 | Analytical Ratios | ||||||||||
| (i) Percentage of shares held by Government of India | 73.38% | 73.38% | 73.38% | 73.38% | 73.38% | 73.38% | 73.38% | 73.38% | 73.38% | 73.38% | |
| (ii) Capital Adequacy Ratio (Basel III) | 18.01% | 17.09% | 17.77% | 18.01% | 17.77% | 18.58% | 17.57% | 18.48% | 18.58% | 18.48% | |
| (a) CET 1 Ratio | 15.05% | 13.76% | 14.84% | 15.05% | 14.84% | 15.66% | 14.30% | 15.59% | 15.66% | 15.59% | |
| (b) Additional Tier 1 Ratio | 0.30% | 0.60% | 0.63% | 0.30% | 0.63% | 0.30% | 0.58% | 0.62% | 0.30% | 0.62% | |
| (iii) Earnings per Share (EPS) (₹) | |||||||||||
| a) Basic EPS | 6.62 | 5.94 | 5.77 | 23.12 | 20.25 | 6.78 | 6.18 | 5.72 | 22.64 | 20.97 | |
| Diluted EPS (before Extraordinary items (net of tax expenses) for the period, for the year to date and for the previous year (Not annualised)) | 6.62 | 5.94 | 5.77 | 23.12 | 20.25 | 6.78 | 6.18 | 5.72 | 22.64 | 20.97 | |
| b) Basic EPS | 6.62 | 5.94 | 5.77 | 23.12 | 20.25 | 6.78 | 6.18 | 5.72 | 22.64 | 20.97 | |
| Diluted EPS (after Extraordinary items for the period, for the year to date and for the previous year (Not annualised)) | 6.62 | 5.94 | 5.77 | 23.12 | 20.25 | 6.78 | 6.18 | 5.72 | 22.64 | 20.97 | |
| (iv) NPA Ratios | |||||||||||
| (a) Amount of gross non-performing assets | 1,530,601 | 1,671,440 | 2,174,889 | 1,530,601 | 2,174,889 | ||||||
| (b) Amount of net non-performing assets | 424,997 | 435,925 | 535,849 | 424,997 | 535,849 | ||||||
| (c) Percentage of Gross NPAs | 1.98% | 2.26% | 3.27% | 1.98% | 3.27% | ||||||
| (d) Percentage of Net NPAs | 0.56% | 0.60% | 0.82% | 0.56% | 0.82% | ||||||
| (v) Return on Assets (Annualised) | 1.01% | 0.96% | 0.98% | 0.93% | 0.90% | ||||||
| (vi) Net Worth | 7,527,811 | 7,217,944 | 6,605,857 | 7,527,811 | 6,605,857 | 7,705,575 | 7,383,333 | 6,815,829 | 7,705,575 | 6,815,829 | |
| (vii) Outstanding redeemable preference shares | – | – | – | – | – | – | – | – | – | – | |
| (viii) Capital Redemption Reserve | – | – | – | 50 | 50 | 50 | 50 | 50 | |||
| (ix) Debenture Redemption Reserve | – | – | – | ||||||||
| (x) Debt-Equity ratio* | 0.78 | 0.83 | 0.58 | 0.78 | 0.58 | ||||||
| (xi) Total Debt to Total Assets Ratio* | 10.19% | 9.60% | 11.88% | 10.19% | 11.88% | ||||||
| (xii) Operating Margin (%) | 22.15% | 19.77% | 22.46% | 20.05% | 20.56% | 22.24% | 19.91% | 22.42% | 20.15% | 20.65% | |
| (xiii) Net Profit Margin (%) | 13.29% | 12.75% | 12.07% | 12.38% | 11.55% | 13.51% | 13.15% | 11.86% | 12.03% | 11.87% |
| Sr. No. | Particulars | Standalone Quarter Ended | Standalone Year Ended | Consolidated Quarter Ended | Consolidated Year Ended |
|---|---|---|---|---|---|
| Audited 31.03.2026 | Reviewed 31.12.2025 | Audited 31.03.2025 | Audited 31.03.2026 | ||
| 1 | Segment Revenue |