Bank Of India Annual Results: Standalone & Consolidated Reports

Annual Results

Results Snapshot

Figures in Cr

Standalone Annual Results

Mar'26

Mar'25

Mar'24

Mar'23

Mar'22

Mar'21

Mar'20

Interest Earned

75,161.27

70,826.30

60,709.49

47,647.72

38,075.83

40,599.44

42,353.26

Income On Investments

18,050.48

17,205.03

14,122.68

11,943.20

11,116.26

11,547.79

10,704.15

Interest On Balances With Rbi Other Inter Bank Funds

2,776.90

3,195.29

2,890.89

1,666.38

623.39

1,142.09

2,431.53

Interest / Discount On Advances / Bills

53,472.33

50,044.94

42,881.01

33,367.61

25,841.51

27,406.74

28,804.74

Others

861.56

381.04

814.91

670.53

494.67

502.82

412.84

Other Income

9,874.27

8,993.62

6,094.85

7,099.89

7,878.73

6,841.87

6,713.07

Total Income

85,035.54

79,819.92

66,804.34

54,747.61

45,954.56

47,441.31

49,066.33

Interest Expended

49,988.51

46,432.35

37,656.57

27,372.82

24,013.73

26,329.60

27,096.29

Net Interest Income

25,172.76

24,393.95

23,052.92

20,274.90

14,062.10

14,269.84

15,256.97

Total Expenditure (Excl Depreciation)

17,998.30

16,975.46

15,079.16

13,982.17

11,952.38

10,839.11

10,451.40

Employee Cost

10,311.77

10,299.60

9,188.47

8,391.83

7,055.53

6,472.99

6,141.45

Other Operating Expenses

7,686.53

6,675.86

5,890.69

5,590.34

4,896.85

4,366.12

4,309.95

Operating Profit Before Provisions and Contingencies

17,048.73

16,412.11

14,068.61

13,392.62

9,988.45

10,272.60

11,518.64

Exceptional Items

0.00

Provisions and contingencies

3,103.07

3,977.67

3,969.54

7,163.31

4,421.70

7,035.88

16,121.37

Profit Before Tax

13,945.66

12,434.44

10,099.07

6,229.31

5,566.75

3,236.72

-4,602.73

Tax

3,418.51

3,215.42

3,781.15

2,206.37

2,162.05

1,076.42

-1,645.84

Profit After Tax

10,527.15

9,219.02

6,317.92

4,022.94

3,404.70

2,160.30

-2,956.89

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

10,527.15

9,219.02

6,317.92

4,022.94

3,404.70

2,160.30

-2,956.89

Face Value

10.0

Reserves

75,476.54

65,781.38

57,508.56

47,970.28

44,100.32

36,156.13

34,216.30

Earnings per share (EPS)

23.12

20.25

13.88

9.8

8.3

6.59

-9.02

Diluted Earnings per share

23.12

20.25

14.9

9.8

8.84

6.59

-9.1

Operating Profit Margin (Excl OI)

71.93%

70.42%

68.62%

55.62%

57.0%

55.97%

37.26%

Gross Profit Margin

18.55%

17.56%

16.64%

13.07%

14.62%

7.97%

-10.87%

PAT Margin

14.01%

13.02%

10.41%

8.44%

8.94%

5.32%

-6.98%

Net Interest Margin

2.52%

2.82%

2.97%

3.01%

2.36%

2.48%

2.93%

Return on Assets

0.0%

CASA (%)

37.64%

40.29%

43.21%

44.73%

45.02%

41.27%

41.5%

CASA Amount

0.00

2,52,149.00

2,45,464.00

2,24,669.00

1,97,750.00

Capital Adequacy Ratio (Total)

18.01%

17.77%

16.96%

16.28%

16.51%

14.93%

13.1%

Capital Adequacy Ratio (Tier 1)

15.35%

15.47%

15.62%

14.4%

13.92%

11.96%

9.9%

Provision Coverage Ratio (%)

93.57%

92.39%

90.59%

89.68%

87.76%

86.24%

83.75%

Amount of Gross NPAs

15,306.01

21,748.89

29,182.77

37,685.56

45,605.40

56,534.95

61,549.93

Amount of Net NPAs

4,249.97

5,358.49

6,845.25

8,053.61

9,851.93

12,262.03

14,320.10

% of Net NPAs

0.56%

0.82%

1.22%

1.66%

2.34%

3.35%

3.88%

% of Gross NPAs

1.98%

3.27%

4.98%

7.31%

9.98%

13.77%

14.78%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

7685.0

8003.0

8230.0

8214.0

7949.0

5551.0

5750.0

Number of Branches

5535.0

5328.0

5170.0

5152.0

5128.0

5107.0

5106.0

Annual Analysis Highlights

Interest Earned

YoY Growth in year ended Mar 2026 is 6.12% vs 16.66% in Mar 2025

Net Profit

YoY Growth in year ended Mar 2026 is 14.19% vs 45.92% in Mar 2025

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2026 is 3.88% vs 16.66% in Mar 2025

% of Net NPAs

YoY Growth in year ended Mar 2026 is -0.26% vs -0.40% in Mar 2025

% of Gross NPAs

YoY Growth in year ended Mar 2026 is -1.29% vs -1.71% in Mar 2025

Compare Annual Results Of Bank Of India With

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Figures in Cr

Standalone Annual Results

Change(INR)

Change(%)

Interest Earned

75,161.27

31,895.68

43,265.59

135.65%

Income On Investments

18,050.48

7,518.35

10,532.13

140.09%

Interest On Balances With Rbi Other Inter Bank Funds

2,776.90

295.33

2,481.57

840.27%

Interest / Discount On Advances / Bills

53,472.33

23,935.34

29,536.99

123.4%

Others

861.56

146.66

714.90

487.45%

Other Income

9,874.27

5,636.47

4,237.80

75.19%

Total Income

85,035.54

37,532.15

47,503.39

126.57%

Interest Expended

49,988.51

19,322.04

30,666.47

158.71%

Net Interest Income

25,172.76

12,573.64

12,599.12

100.2%

Total Expenditure (Excl Depreciation)

17,998.30

8,183.98

9,814.32

119.92%

Employee Cost

10,311.77

4,688.77

5,623.00

119.92%

Other Operating Expenses

7,686.53

3,495.21

4,191.32

119.92%

Operating Profit Before Provisions and Contingencies

17,048.73

10,026.13

7,022.60

70.04%

Exceptional Items

0.00

Provisions and contingencies

3,103.07

3,758.10

-655.03

-17.43%

Profit Before Tax

13,945.66

6,268.03

7,677.63

122.49%

Tax

3,418.51

1,060.00

2,358.51

222.5%

Profit After Tax

10,527.15

5,208.03

5,319.12

102.13%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

10,527.15

5,208.03

5,319.12

102.13%

Face Value

10.00

0.00

Reserves

75,476.54

14,824.85

60,651.69

409.12%

Earnings per share (EPS)

23.12

2.70

20.42

756.3%

Diluted Earnings per share

23.12

2.70

20.42

756.3%

Operating Profit Margin (Excl OI)

71.93%

62.56%

0.00

9.37%

Gross Profit Margin

18.55%

19.65%

0.00

-1.10%

PAT Margin

14.01%

16.33%

0.00

-2.32%

Net Interest Margin

2.52%

3.21%

-0.69

-0.69%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

37.64%

40.99%

-3.35

-3.35%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

18.01%

19.78%

-1.77

-1.77%

Capital Adequacy Ratio (Tier 1)

15.35%

16.94%

-1.59

-1.59%

Provision Coverage Ratio (%)

93.57%

97.50%

-3.93

-3.93%

Amount of Gross NPAs

15,306.01

4,409.66

10,896.35

247.1%

Amount of Net NPAs

4,249.97

637.77

3,612.20

566.38%

% of Net NPAs

0.56%

0.21%

0.35

0.35%

% of Gross NPAs

1.98%

1.42%

0.56

0.56%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

7,685.00

3,651.00

4,034.00

110.49%

Number of Branches

5,535.00

3,494.00

2,041.00

58.41%

Annual - Interest Earned

Interest Earned 75161.27 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 6.12% vs 16.66% in Mar 2025

Annual - Net Profit

Net Profit 10,527.15 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 14.19% vs 45.92% in Mar 2025

Annual - Operating Profit (PBDIT)

Operating Profit (PBDIT) 17,048.73 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 3.88% vs 16.66% in Mar 2025

Annual - % of Net NPAs

% of Net NPAs 0.56%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.26% vs -0.40% in Mar 2025

Annual - % of Gross NPAs

% of Gross NPAs 1.98%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -1.29% vs -1.71% in Mar 2025