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 |
01-04-2025 |
| Date of end of financial year |
31-03-2026 |
| Date of board meeting when results were approved |
17-10-2025 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
13-10-2025 |
| Description of presentation currency |
INR |
| Level of rounding used in financial results |
Lakhs |
| Reporting Type |
Quarterly |
| Reporting Quarter |
Second quarter |
| Nature of report standalone or consolidated |
Consolidated |
| Whether results are audited or unaudited |
Unaudited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended |
Unaudited |
| Segment Reporting |
Multi segment |
| Description of single segment |
|
| Start date and time of board meeting |
17-10-2025
15:30:00 |
| End date and time of board meeting |
17-10-2025 16:35:00
|
| Whether cash flow statement is applicable on company |
Yes |
| Type of cash flow statement |
Cash Flow Indirect |
| Declaration of unmodified opinion or statement on impact of audit qualification |
Declaration of unmodified opinion |
Financial Results - Banking
Amount in (Lakhs)
| 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 |
01-07-2025 |
01-04-2025 |
| B |
Date of end of reporting period |
30-09-2025 |
30-09-2025 |
| C |
Whether results are audited or unaudited |
Unaudited |
Unaudited |
| D |
Nature of report standalone or consolidated |
Consolidated |
Consolidated |
| 1 |
Interest earned
|
|
Interest or discount on advances or bills |
13,02,543.00 |
25,89,650.00 |
|
Income on investments |
4,56,697.00 |
9,22,743.00 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
78,500.00 |
1,61,669.00 |
|
Others |
14,408.00 |
24,747.00 |
|
Total interest earned |
18,52,148.00 |
36,98,809.00 |
| 2 |
Other income |
2,21,839.00 |
4,42,940.00 |
| 3 |
Total income |
20,73,987.00 |
41,41,749.00 |
|
Expenses
|
| 4 |
Interest expenses |
12,52,986.00 |
24,85,069.00 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
2,47,630.00 |
4,89,635.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
Other Operating Expenses |
1,88,123.00 |
3,74,805.00 |
|
Total other operating Expenses |
1,88,123.00 |
3,74,805.00 |
|
Total Operating Expenses |
4,35,753.00 |
8,64,440.00 |
| 6 |
Total expenditure excluding provisions and contingencies
| 16,88,739.00 |
33,49,509.00 |
| 7 |
Operating profit before provision and contingencies |
3,85,248.00 |
7,92,240.00 |
| 8 |
Provisions other than tax and contingencies |
49,166.00 |
1,60,378.00 |
| 9 |
Exceptional items |
0.00 |
(51,880.00) |
| 10 |
Total profit (loss) from ordinary activities before tax
| 3,36,082.00 |
5,79,982.00 |
| 11 |
Provision for Tax |
83,518.00 |
1,51,023.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
2,52,564.00 |
4,28,959.00 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
2,52,564.00 |
4,28,959.00 |
| 15 |
Share of profit (loss) of associates
| 4,994.00 |
11,650.00 |
| 16
| Profit (loss) of minority interest
| (111.00) |
(16.00) |
| 17
| Net Profit (loss) after taxes minority interest and share of profit
(loss) of associates
| 2,57,669.00 |
4,40,625.00 |
|
| 18 |
Details of equity share capital [Abstract]
|
|
Paid-up equity share capital
| 4,55,341.00 |
4,55,341.00 |
|
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 |
14.48 |
14.48 |
|
| Additional Tier 1 ratio |
0.59 |
0.59 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| 5.66 |
9.68 |
|
Diluted earnings per share before extraordinary items
| 5.66 |
9.68 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 5.66 |
9.68 |
|
Diluted earnings per share after extraordinary items
| 5.66 |
9.68 |
| (iv) |
NPA Ratios
|
|
| Amount of gross non-performing assets
| 0.00 |
0.00 |
|
Amount of net non-performing assets
| 0.00 |
0.00 |
|
% of gross NPAs |
0.00 |
0.00 |
|
% of net NPAs
| 0.00 |
0.00 |
|
Return on assets
| 0.00 |
0.00 |
| 21 |
Disclosure of notes on financial results by banks
| |
Statement of Asset and Liabilities
Amount in (Lakhs)
| Particulars |
Year ended (dd-mm-yyyy)
|
| Date of start of reporting period |
01-04-2025 |
| Date of end of reporting period |
30-09-2025 |
| Whether results are audited or unaudited |
Unaudited |
| Nature of report standalone or consolidated |
Consolidated |
| 1 |
Capital and liabilities |
|
Capital |
4,55,341.00 |
|
Reserves and surplus |
79,14,905.00 |
|
Deposits |
8,56,86,269.00 |
|
Borrowings |
1,17,96,615.00 |
|
| Other liabilities and provisions |
33,58,334.00 |
|
Total Capital Liabilities |
10,92,11,464.00 |
| 2
| ASSETS
|
|
| Cash and Balances with Reserve Bank of India |
37,22,363.00 |
|
| Balances with Banks and money at call and short notice
| 50,37,630.00 |
|
Investments |
2,70,44,547.00 |
|
Advances |
6,99,64,282.00 |
|
Fixed Assets |
118304400000 |
|
Other Assets |
22,59,598.00 |
|
Total Assets |
10,92,11,464.00 |
|
Disclosure of notes on assets and liabilities |
|
Text Block
Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Amount in (Lakhs)
| 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 |
01-07-2025 |
01-04-2025 |
| Date of end of reporting period |
30-09-2025 |
30-09-2025 |
| Whether results are audited or unaudited |
Unaudited |
Unaudited |
| Nature of report standalone or consolidated |
Consolidated |
Consolidated |
| 1 |
Segment Revenue (Income)
|
|
| (net sale/income from each segment should be disclosed) |
| 1 |
Treasury Operations |
5,80,564.00 |
12,18,839.00 |
| 2 |
Wholesale Banking Operations |
6,92,766.00 |
13,83,130.00 |
| 3 |
Retail Banking Operations |
8,07,814.00 |
15,54,576.00 |
| 4 |
Unallocated |
13,322.00 |
24,576.00 |
|
| Total Segment Revenue
| 20,94,466.00 |
41,81,121.00 |
|
Less: Inter segment revenue |
20,479.00 |
39,372.00 |
|
Income from operations |
20,73,987.00 |
41,41,749.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
Treasury Operations |
1,21,107.00 |
2,68,736.00 |
| 2 |
Wholesale Banking Operations |
82,942.00 |
1,15,527.00 |
| 3 |
Retail Banking Operations |
1,87,490.00 |
3,37,095.00 |
| 4 |
Unallocated |
(50,352.00) |
(1,29,710.00) |
|
Total Profit before tax |
3,41,187.00 |
5,91,648.00 |
|
i. Finance cost |
0.00 |
0.00 |
|
ii. Other Unallocable Expenditure net off Unallocable income
|
0.00 |
0.00 |
|
Profit before tax |
3,41,187.00 |
5,91,648.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
Treasury Operations |
3,48,35,033.00 |
3,48,35,033.00 |
| 2 |
Wholesale Banking Operations |
3,96,18,271.00 |
3,96,18,271.00 |
| 3 |
Retail Banking Operations |
3,22,72,133.00 |
3,22,72,133.00 |
| 4 |
Unallocated |
24,86,027.00 |
24,86,027.00 |
|
Total Segment Assets |
10,92,11,464.00 |
10,92,11,464.00 |
|
Un-allocable Assets |
0.00 |
0.00 |
|
Net Segment Assets |
10,92,11,464.00 |
10,92,11,464.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
Treasury Operations |
3,22,86,622.00 |
3,22,86,622.00 |
| 2 |
Wholesale Banking Operations |
3,75,23,733.00 |
3,75,23,733.00 |
| 3 |
Retail Banking Operations |
2,93,30,912.00 |
2,93,30,912.00 |
| 4 |
Unallocated |
17,16,644.00 |
17,16,644.00 |
| |
Total Segment Liabilities |
10,08,57,911.00 |
10,08,57,911.00 |
| |
Un-allocable Liabilities |
0.00 |
0.00 |
|
Net Segment Liabilities |
10,08,57,911.00 |
10,08,57,911.00 |
|
Disclosure of notes on segments |
|
Cash Flow Statement, Indirect
Amount in (Lakhs)
| Particulars |
Year ended (dd-mm-yyyy) |
| A |
Date of start of reporting period |
01-04-2025 |
| B |
Date of end of reporting period |
30-09-2025 |
| C |
Whether results are audited or unaudited |
Unaudited |
| D |
Nature of report standalone or consolidated |
Consolidated |
| 1 |
Statement of cash flows |
|
Cash flows from used in operating activities |
|
Profit before extraordinary items and tax |
5,79,982.00 |
| 2 |
Adjustments for reconcile profit (loss) |
|
Adjustments to profit (loss) |
|
Adjustments for finance costs |
96,792.00 |
|
Adjustments for depreciation and amortisation expense |
(5,062.00) |
|
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss
|
13,179.00
|
|
Adjustments for unrealised foreign exchange losses gains |
0.00 |
|
Adjustments for dividend income |
0.00 |
|
Adjustments for share-based payments |
0.00 |
|
Other adjustments for which cash effects are investing or financing cash flow |
0.00 |
|
Other adjustments to reconcile profit (loss) |
0.00 |
|
Other adjustments for non-cash items |
0.00 |
|
Share of profit and loss from partnership firm or association of persons or limited
liability partnerships |
0.00
|
|
Total adjustments to profit (loss) |
1,04,909.00
|
| 3 |
Adjustments for working capital |
|
Adjustments for decrease (increase) in inventories |
(2,97,269.00) |
|
Adjustments for decrease (increase) in trade receivables |
(47,75,544.00) |
|
Adjustments for decrease (increase) in other current assets |
(3,00,040.00) |
|
Adjustments for increase (decrease) in trade payables |
37,05,672.00 |
|
Adjustments for increase (decrease) in other current liabilities |
(3,54,865.00) |
|
Adjustments for provisions |
1,60,376.00 |
|
Total adjustments for working capital |
(18,61,670.00)
|
|
Total adjustments for reconcile profit (loss) |
(17,56,761.00) |
|
Net cash flows from (used in) operations |
(11,76,779.00) |
|
Dividends received |
(1,366.00) |
|
Interest paid |
0.00 |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
(93,687.00) |
|
Other inflows (outflows) of cash |
11,627.00 |
|
Net cash flows from (used in) operating activities before extraordinary items |
(10,72,831.00) |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) operating activities |
(10,72,831.00) |
| 4 |
Cash flows from used in investing activities |
|
Cash flows from losing control of subsidiaries or other businesses |
0.00 |
|
Cash flows used in obtaining control of subsidiaries or other businesses |
0.00
|
|
Other cash receipts from sales of equity or debt instruments of other entities |
0.00 |
|
Other cash payments to acquire equity or debt instruments of other entities |
0.00
|
|
Other cash receipts from sales of interests in joint ventures |
0.00 |
|
Other cash payments to acquire interests in joint ventures |
0.00
|
|
Cash receipts from share of profits of partnership firm or association of persons or
limited liability partnerships |
0.00
|
|
Cash payment for investment in partnership firm or association of persons or limited
liability partnerships |
0.00
|
|
Proceeds from sales of tangible assets |
829.00 |
|
Purchase of tangible assets |
34,972.00 |
|
Proceeds from sales of intangible assets |
0.00 |
|
Purchase of intangible assets |
0.00 |
|
Cash advances and loans made to other parties |
0.00 |
|
Cash receipts from repayment of advances and loans made to other parties |
0.00
|
|
Cash payments for future contracts, forward contracts, option contracts and swap contracts
|
0.00 |
|
Cash receipts from future contracts, forward contracts, option contracts and swap
contracts |
0.00 |
|
Dividends received |
1,366.00 |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
0.00 |
|
Other inflows (outflows) of cash |
57,953.00 |
|
Proceeds from government grants |
0.00 |
|
Net cash flows from (used in) investing activities before extraordinary
items |
25,176.00 |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) investing activities |
25,176.00 |
| 5 |
Cash flows from used in financing activities |
|
Proceeds from issuing shares |
5,067.00 |
|
Proceeds from issuing other equity instruments |
0.00 |
|
Proceeds from issuing debentures notes bonds etc |
0.00 |
|
Proceeds from borrowings |
0.00 |
|
Repayments of borrowings |
0.00 |
|
Dividends paid |
1,84,343.00 |
|
Interest paid |
96,792.00 |
|
Income taxes paid (refund) |
0.00 |
|
Other inflows (outflows) of cash |
0.00 |
|
Net cash flows from (used in) financing activities before extraordinary
items |
(2,76,068.00)
|
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) financing activities |
(2,76,068.00)
|
|
Net increase (decrease) in cash and cash equivalents before effect of
exchange rate changes |
(13,23,723.00)
|
| 6 |
Effect of exchange rate changes on cash and cash equivalents |
|
Effect of exchange rate changes on cash and cash equivalents |
0.00 |
|
Net increase (decrease) in cash and cash equivalents |
(13,23,723.00)
|
|
Cash and cash equivalents cash flow statement at beginning of period |
1,00,83,717.00 |
|
Cash and cash equivalents cash flow statement at end of period |
87,59,994.00 |
Details of Impact of Audit Qualification
Amount in (Lakhs)
| 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 |
30-04-2027 |
| 2 |
M/s. Sarda & Pareek LLP |
Yes |
31-12-2025 |
| 3 |
M/s. S C V & Co LLP |
Yes |
28-02-2027 |
| 4 |
M/s.S Jaykishan |
Yes |
30-04-2028 |