Bank of India Q1 FY2026-27: Profit up 36%, asset quality improves, and digital scale builds momentum
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Net profit was INR 3,068 crore for the quarter ended 30.06.26.
As of 30.06.26, gross non-performing assets ratio was 1.81% and net non-performing assets ratio was 0.51%, with provision coverage ratio of 93.83%.
Global deposits were INR 9,57,924 crore and global advances were INR 7,97,775 crore as of 30.06.26.
As of 30.06.26, Basel III capital adequacy ratio including capital conservation buffer was 18.69%, and CET-1 including buffer was 15.97%.
The board approved raising additional Tier I bonds of INR 2,500 crore and Tier II bonds of INR 5,000 crore in FY 2026-27, totaling INR 7,500 crore.
Overseas business mix was INR 2,56,903 crore as of 30.06.26. Geography-wise advances composition showed the largest shares in the USA (31%) and the UK (25%).
The presentation highlights a digital lending platform with 52 products live, development of Star Sampark 2.0 customer relationship management, 36 machine learning models in production, 215+ application programming interfaces live, robotic process automation of 14 processes, and migration to a new disaster recovery data centre.
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