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Bank of India (BANKINDIA) investor relations material
Bank of India Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary17 Oct, 2025
Executive summary
Global business grew 11.83% YoY to INR 15,62,446 crore, with advances up 14.03% and deposits up 10.08%.
Net profit for Q2 FY26 rose 14.04% YoY to INR 2,555 crore; half-year net profit up 18% YoY to INR 4,800 crore.
Asset quality improved with gross NPA ratio down to 2.54% and net NPA at 0.65%.
Digital transformation, inclusion, and ESG initiatives recognized with multiple awards and new product launches.
Board approved unaudited standalone and consolidated financial results for Q2 and H1 FY26, with unmodified auditor opinions.
Financial highlights
Global deposits increased to INR 8.53 trillion; domestic deposits up to INR 7.3 trillion.
Operating profit for Q2 FY26 was INR 3,821 crore; net interest income for Q2 FY26 was INR 5,912 crore.
Non-interest income for H1 FY26 increased 15% YoY to INR 4,386 crore.
Provision coverage ratio at 93.39% as of September 2025.
Capital adequacy ratio (Basel III) at 16.69%, CET 1 at 13.89%.
Outlook and guidance
Guidance for global advances growth at 12–13% and global deposit growth at 10–11% for FY26.
NIM expected to improve from Q4 FY26 as term deposit repricing completes; guidance at 2.5–2.6%.
ROA guidance for FY26 at 0.90%, with a conservative approach.
Annualized credit cost expected at 0.60% for FY26.
Approval for capital plan of INR 5,000 crore and infrastructure bond approval of INR 20,000 crore for FY26.
Strategy for new RBI M&A/IPO financing?
ECL transition impact management approach?
Liability strategy given Q2 cost of funds rise?
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Next Bank of India earnings date
Q3 25/2623 Jan, 2026
Next Bank of India earnings date
Q3 25/2623 Jan, 2026
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