INTEGRATED FILING — BANKING



General information about company

Scrip code 532149
NSE Symbol BANKINDIA
MSEI Symbol NOTLISTED
ISIN INE084A01016
Name of bank BANK OF INDIA
Class of security Equity
Date of start of financial year 01-Apr-2025
Date of end of financial year 31-Mar-2026
Date of board meeting when results were approved 29-Jul-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 21-Jul-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter First quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 29-Jul-2025   15:30:00
End date and time of board meeting 29-Jul-2025   16:15:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Whether the company has any related party?
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure?
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure.
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)?
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company?
Latest Date on which RPT policy is updated
Indicate Company website link for updated RPT policy of the Company
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? Yes


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025
B Date of end of reporting period 30-Jun-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 127922800000 127922800000
Income on investments 46236100000 46236100000
Interest on balances with reserve bank of India and other inter bank funds 8329100000 8329100000
Others 1033900000 1033900000
Total interest earned 183521900000 183521900000
2 Other income 21661000000 21661000000
3 Total income 205182900000 205182900000
Expenses
4 Interest expenses 122840800000 122840800000
5 Operating expenses
(i) Employees cost 23961900000 23961900000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other Operating Expenses 18286400000 18286400000
Total other operating Expenses 18286400000 18286400000
Total Operating Expenses 42248300000 42248300000
6 Total expenditure excluding provisions and contingencies 165089100000 165089100000
7 Operating profit before provision and contingencies 40093800000 40093800000
8 Provisions other than tax and contingencies 10960800000 10960800000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 29133000000 29133000000
11 Provision for Tax 6611800000 6611800000
12 Net profit (loss) from ordinary activities after tax 22521200000 22521200000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 22521200000 22521200000
15 Share of profit (loss) of associates
16 Profit (loss) of minority interest
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 22521200000 22521200000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 45534100000 45534100000
Face value of equity share capital 10 10
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year)
20 Analytical ratios
(i) Percentage of share held by government of India 73.38 73.38
(ii) Capital adequacy ratio
CET 1 ratio 14.52 14.52
Additional Tier 1 ratio 0.62 0.62
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 4.95 4.95
Diluted earnings per share before extraordinary items 4.95 4.95
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 4.95 4.95
Diluted earnings per share after extraordinary items 4.95 4.95
(iv) NPA Ratios
Amount of gross non-performing assets 196402000000 196402000000
Amount of net non-performing assets 49498900000 49498900000
% of gross NPAs 2.92 2.92
% of net NPAs 0.75 0.75
Return on assets 0.82 0.82
21 Disclosure of notes on financial results by banks


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2025
Date of end of reporting period 30-Jun-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury Operations 63827500000 63827500000
2 Wholesale Banking Operations 67747700000 67747700000
3 Retail Banking Operations 74676200000 74676200000
4 Unallocated 820800000 820800000
Total Segment Revenue 207072200000 207072200000
Less: Inter segment revenue 1889300000
Income from operations 205182900000 205182900000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury Operations 19285300000 19285300000
2 Wholesale Banking Operations 2847000000 2847000000
3 Retail Banking Operations 14960500000 14960500000
4 Unallocated -7959800000 -7959800000
Total Profit before tax 29133000000 29133000000
i. Finance cost 0
ii. Other Unallocable Expenditure net off Unallocable income 0
Profit before tax 29133000000 29133000000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury Operations 3625404900000 3625404900000
2 Wholesale Banking Operations 3946769600000 3946769600000
3 Retail Banking Operations 2940516100000 2940516100000
4 Unallocated 160912300000 160912300000
5 Treasury Operations 3625404900000 3625404900000
6 Wholesale Banking Operations 3946769600000 3946769600000
7 Retail Banking Operations 2940516100000 2940516100000
8 Unallocated 160912300000 160912300000
Total Segment Assets 10673602900000 10673602900000
Un-allocable Assets 0 0
Net Segment Assets 10673602900000 10673602900000
4 Segment Liabilities
Segment Liabilities
1 Treasury Operations 3378387700000 3378387700000
2 Wholesale Banking Operations 3749172100000 3749172100000
3 Retail Banking Operations 2674377400000 2674377400000
4 Unallocated 77999400000 77999400000
5 Treasury Operations 3378387700000 3378387700000
6 Wholesale Banking Operations 3749172100000 3749172100000
7 Retail Banking Operations 2674377400000 2674377400000
8 Unallocated 77999400000 77999400000
Total Segment Liabilities 9879936600000 9879936600000
Un-allocable Liabilities 0 0
Net Segment Liabilities 9879936600000 9879936600000
Disclosure of notes on segments






Details of Impact of Audit Qualification
Whether results are audited or unaudited Unaudited
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Auditor's opinion
Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results Yes
Sr No. Audit firm's name Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI Certificate valid upto
1 M/s.A Bafna & Co. Yes 30-Apr-2027
2 M/s. Sarda & Pareek LLP Yes 31-Dec-2025
3 M/s. S C V & Co LLP Yes 28-Feb-2027
4 M/s.S Jaykishan Yes 30-Apr-2028


Format for Disclosing Outstanding Default on Loans and Debt Securities
Sr. No. Particulars Amount Remarks
1. Loans / revolving facilities like cash credit from banks / financial institutions
A Total amount outstanding as on date 0
B Of the total amount outstanding, amount of default as on date 0
2. Unlisted debt securities i.e. NCDs and NCRPS
A Total amount outstanding as on date 0
B Of the total amount outstanding, amount of default as on date 0
3. Total financial indebtedness of the listed entity including short-term and long-term debt 1276634900000