Bank of India disclosed its unaudited (reviewed) standalone and consolidated financial results for Q2 FY27 ended September 30, 2026, through a regulatory filing to NSE and BSE.
Profitability Highlights (Q2 FY27)
- Net Profit increased by 25.34% YoY to ₹3,202 crore (vs ₹2,555 crore in Q2 FY26)
- Operating Profit increased by 33.19% YoY to ₹5,089 crore (vs ₹3,821 crore in Q2 FY26)
- Net Interest Income (NII) increased by 18.52% YoY to ₹7,007 crore (vs ₹5,912 crore in Q2 FY26)
- Non-Interest Income increased by 24.78% YoY to ₹2,770 crore (vs ₹2,220 crore in Q2 FY26)
Profitability Highlights (H1 FY27)
- Net Profit improved by 30% YoY to ₹6,270 crore (vs ₹4,807 crore in H1 FY26)
- Operating Profit increased by 30% YoY to ₹10,140 crore (vs ₹7,830 crore in H1 FY26)
- Net Interest Income (NII) increased by 16% YoY to ₹13,840 crore (vs ₹11,981 crore in H1 FY26)
- Non-Interest Income increased by 22% YoY to ₹5,349 crore (vs ₹4,386 crore in H1 FY26)
Key Ratios (Q2 FY27)
- Net Interest Margin (Global): 2.47% (improved by 6 bps YoY)
- Net Interest Margin (Domestic): 2.75% (improved by 9 bps YoY)
- Return on Assets (RoA): 1.01% (improved by 10 bps YoY)
- Return on Equity (RoE): 16.36% (improved by 142 bps YoY)
- Cost to Income Ratio (Global): 47.95% (improved by 507 bps YoY)
- Slippage Ratio: 0.15%
- Credit Cost: 0.12%
- Yield on Advances (Global): 7.59%
- Cost of Deposits (Global): 4.85%
Key Ratios (H1 FY27)
- Net Interest Margin (Global): 2.50% (improved by 2 bps YoY)
- Net Interest Margin (Domestic): 2.76% (improved by 2 bps YoY)
- Return on Assets (RoA): 1.01% (improved by 14 bps YoY)
- Return on Equity (RoE): 16.19% (improved by 205 bps YoY)
- Cost to Income Ratio (Global): 47.16% (improved by 500 bps YoY)
Business Growth (as of September 2026)
- Global Business: ₹18,92,601 crore (21.13% YoY growth)
- Global Deposits: ₹10,37,530 crore (21.59% YoY growth)
- Global Advances: ₹8,55,071 crore (20.58% YoY growth)
- Overseas Deposits: ₹1,37,401 crore (11.52% YoY growth)
- Overseas Advances: ₹1,51,160 crore (35.21% YoY growth)
- Domestic Deposits: ₹9,00,129 crore (23.29% YoY growth)
- Domestic CASA: ₹3,07,031 crore (7.17% YoY growth)
- CASA Ratio: 34.16%
- Domestic Advances: ₹7,03,911 crore (17.84% YoY growth)
- RAM Advances: ₹4,12,670 crore (18.68% YoY growth), constituting 58.63% of domestic gross advances
- Retail Credit: ₹1,73,862 crore (19.27% YoY growth)
- MSME Advances: ₹1,17,668 crore (20.27% YoY growth)
- Agriculture Credit: ₹1,21,140 crore (16.34% YoY growth)
Asset Quality (as of September 2026)
- Gross NPA: ₹13,648 crore (declined 24.24% YoY)
- Net NPA: ₹3,557 crore (declined 21.47% YoY)
- Gross NPA Ratio: 1.60% (improved by 94 bps YoY)
- Net NPA Ratio: 0.42% (improved by 23 bps YoY)
- Provision Coverage Ratio (PCR): 94.45% (vs 93.39% in Sep'25)
Priority Sector Lending (as of September 2026)
- Priority Sector Advances: 46.24% of ANBC (12.03% YoY growth)
- Agricultural Advances: 19.32% of ANBC
- Advances to Small & Marginal Farmers: 13.84% of ANBC (exceeding 10% regulatory norm)
- Advances to Weaker Sections: 17.51% of ANBC (exceeding 12% regulatory norm)
Financial Inclusion & Digital Banking
- 7.07 lakh new PMJDY accounts opened during H1FY27
- Jan Suraksha enrollment figures: PMJJBY (23 lakh), PMSBY (68 lakh), APY (45 lakh)
- Internet Banking (Omni Neo) users: 1.11+ crore
- Mobile Banking (Omni Neo) users: 1.49+ crore
- Digital Transactions: 2.21 billion (25% YoY growth)
Branch Network & Operations
- Total Customer Touch Points: 38,566 as of 30.09.2026
- Domestic Branches: 5,611 (Rural: 1,943, Semi-Urban: 1,660, Urban: 956, Metro: 1,052)
Capital Adequacy
- CRAR: 17.78% (increased by 109 bps YoY)
- CET-1 Ratio: 15.49%