Bank of India (BANKINDIA) Q4 25/26 earnings summary

Executive summary

• Achieved resilient financial performance in FY 2026, with global business mix growing 14.57% YoY to ₹16,98,662 crore, deposits up 13.56%, and advances up 15.82%, despite global uncertainties and regulatory changes.

• Net profit increased 14% YoY to ₹10,527 crore, with operating profit up 4% to ₹17,049 crore, and asset quality improved as gross NPA ratio declined to 1.98% and net NPA to 0.56%.

• Major digital transformation initiatives led to significant growth in digital lending, alternative delivery channels, and digital business volumes.

• Audited standalone and consolidated financial results for FY26 were approved, with a recommended dividend of ₹4.65 per share, subject to shareholder approval.

• The audit report carries an unmodified opinion, confirming compliance with regulatory and accounting standards.

Financial highlights

• Net interest income rose 3% YoY to ₹25,172 crore; non-interest income grew 10% to ₹9,874 crore.

• Operating profit for FY26 was ₹17,049 crore; net profit was ₹10,527 crore.

• CASA increased to ₹3.01 lakh crore, with a CASA ratio of 37.64%.

• Cost-to-income ratio stood at 51.35% for FY26, with net interest margin at 2.52%.

• Return on assets improved to 0.93%, and return on equity was 14.90% for FY26.

Outlook and guidance

• Guidance for FY27: global advances growth of 15%-16%, deposit growth of 13%-14%.

• Focus on strengthening low-cost deposit franchise, growing high-yielding advances, and enhancing digital infrastructure.

• Targeting domestic NIM close to 3% and overall NIM of 2.70%-2.75% by March 2027.

• ROA guidance for FY27 is 1%.

• Continued emphasis on ESG initiatives, financial inclusion, and sustainable growth.