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 |
21-01-2026 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
12-01-2026 |
| Description of presentation currency |
INR |
| Level of rounding used in financial results |
Lakhs |
| Reporting Type |
Quarterly |
| Reporting Quarter |
Third 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 |
Unaudited |
| Segment Reporting |
Multi segment |
| Description of single segment |
|
| Start date and time of board meeting |
21-01-2026
15:10:00 |
| End date and time of board meeting |
21-01-2026 16:10:00
|
| 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 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? |
Yes |
| No. of times funds raised during the quarter |
2 |
| Whether the disclosure for the Default on Loans and Debt Securities is applicable to the
entity? |
Yes |
|
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 |
01-10-2025 |
01-04-2025 |
| B |
Date of end of reporting period |
31-12-2025 |
31-12-2025 |
| 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 |
13,68,061.00 |
39,41,738.00 |
|
Income on investments |
4,43,596.00 |
13,58,971.00 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
68,168.00 |
2,30,196.00 |
|
Others |
12,888.00 |
37,636.00 |
|
Total interest earned |
18,92,713.00 |
55,68,541.00 |
| 2 |
Other income |
2,27,882.00 |
6,66,476.00 |
| 3 |
Total income |
21,20,595.00 |
62,35,017.00 |
|
Expenses
|
| 4 |
Interest expenses |
12,46,644.00 |
37,24,285.00 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
2,65,182.00 |
7,50,034.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
Other Operating Expenses |
1,89,490.00 |
5,58,396.00 |
|
Total other operating Expenses |
1,89,490.00 |
5,58,396.00 |
|
Total Operating Expenses |
4,54,672.00 |
13,08,430.00 |
| 6 |
Total expenditure excluding provisions and contingencies
| 17,01,316.00 |
50,32,715.00 |
| 7 |
Operating profit before provision and contingencies |
4,19,279.00 |
12,02,302.00 |
| 8 |
Provisions other than tax and contingencies |
57,599.00 |
2,11,331.00 |
| 9 |
Exceptional items |
0.00 |
0.00 |
| 10 |
Total profit (loss) from ordinary activities before tax
| 3,61,680.00 |
9,90,971.00 |
| 11 |
Provision for Tax |
91,213.00 |
2,39,835.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
2,70,467.00 |
7,51,136.00 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
2,70,467.00 |
7,51,136.00 |
| 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
| 2,70,467.00 |
7,51,136.00 |
|
| 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 |
73.3800 |
73.3800 |
| (ii) |
Capital adequacy ratio
|
|
CET 1 ratio |
13.7600 |
13.7600 |
|
| Additional Tier 1 ratio |
0.600 |
0.600 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| 5.94 |
16.5 |
|
Diluted earnings per share before extraordinary items
| 5.94 |
16.5 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 5.94 |
16.5 |
|
Diluted earnings per share after extraordinary items
| 5.94 |
16.5 |
| (iv) |
NPA Ratios
|
|
| Amount of gross non-performing assets
| 16,71,440.00 |
16,71,440.00 |
|
Amount of net non-performing assets
| 4,35,925.00 |
4,35,925.00 |
|
% of gross NPAs |
2.2600 |
2.2600 |
|
% of net NPAs
| 0.600 |
0.600 |
|
Return on assets
| 0.9600 |
0.900 |
| 21 |
Disclosure of notes on financial results by banks
| |
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 |
01-10-2025 |
01-04-2025 |
| Date of end of reporting period |
31-12-2025 |
31-12-2025 |
| 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 |
5,69,774.00 |
17,92,069.00 |
| 2 |
Wholesale Banking Operations |
7,27,283.00 |
20,83,562.00 |
| 3 |
Retail Banking Operations |
8,31,219.00 |
23,85,795.00 |
| 4 |
Unallocated |
11,120.00 |
31,762.00 |
|
| Total Segment Revenue
| 21,39,396.00 |
62,93,188.00 |
|
Less: Inter segment revenue |
18,801.00 |
58,172.00 |
|
Income from operations |
21,20,595.00 |
62,35,016.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
Treasury Operations |
2,00,130.00 |
5,12,554.00 |
| 2 |
Wholesale Banking Operations |
6,163.00 |
1,15,815.00 |
| 3 |
Retail Banking Operations |
2,51,095.00 |
5,88,190.00 |
| 4 |
Unallocated |
(95,708.00) |
(2,25,588.00) |
|
Total Profit before tax |
3,61,680.00 |
9,90,971.00 |
|
i. Finance cost |
0.00 |
0.00 |
|
ii. Other Unallocable Expenditure net off Unallocable income
|
0.00 |
0.00 |
|
Profit before tax |
3,61,680.00 |
9,90,971.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
Treasury Operations |
3,42,82,177.00 |
3,42,82,177.00 |
| 2 |
Wholesale Banking Operations |
4,16,01,744.00 |
4,16,01,744.00 |
| 3 |
Retail Banking Operations |
3,31,61,950.00 |
3,31,61,950.00 |
| 4 |
Unallocated |
14,84,976.00 |
14,84,976.00 |
|
Total Segment Assets |
11,05,30,847.00 |
11,05,30,847.00 |
|
Un-allocable Assets |
0.00 |
0.00 |
|
Net Segment Assets |
11,05,30,847.00 |
11,05,30,847.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
Treasury Operations |
3,17,98,341.00 |
3,17,98,341.00 |
| 2 |
Wholesale Banking Operations |
3,92,77,968.00 |
3,92,77,968.00 |
| 3 |
Retail Banking Operations |
3,01,00,063.00 |
3,01,00,063.00 |
| 4 |
Unallocated |
8,96,098.00 |
8,96,098.00 |
| |
Total Segment Liabilities |
10,20,72,470.00 |
10,20,72,470.00 |
| |
Un-allocable Liabilities |
0.00 |
0.00 |
|
Net Segment Liabilities |
10,20,72,470.00 |
10,20,72,470.00 |
|
Disclosure of notes on segments |
|
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 |
Statement on Deviation or Variation for proceeds of Public Issue, Rights
Issue, Preferential Issue, Qualified Institutions Placement Etc. (1)
Amount in (Lakhs)
| Mode of Fund Raising |
Others |
| Description of mode of fund raising
(Applicable in case of others is selected) |
|
| Date of Raising Funds |
12-12-2025 |
| Amount Raised |
2,50,000.00 |
| Report filed for Quarter ended |
31-12-2025 |
| Monitoring Agency |
Not Applicable |
| Monitoring Agency Name, if applicable |
|
| Is there a Deviation / Variation in use of funds raised |
No |
| If yes, whether the same is pursuant to change in terms of a contract or objects,
which was approved by the shareholders |
|
| If Yes, Date of shareholder Approval |
|
| Explanation for the Deviation / Variation |
|
| Comments of the Audit Committee after review |
|
| Comments of the auditors, if any |
|
| Sr. |
Original Object |
Modified Object, if any |
Original Allocation |
Modified allocation, if any |
Funds Utilised |
Amount of Deviation/Variation for the quarter according to applicable
object |
Remarks if any |
Statement on Deviation or Variation for proceeds of Public Issue, Rights
Issue, Preferential Issue, Qualified Institutions Placement Etc. (2)
Amount in (Lakhs)
| Mode of Fund Raising |
Others |
| Description of mode of fund raising
(Applicable in case of others is selected) |
|
| Date of Raising Funds |
26-12-2025 |
| Amount Raised |
10,00,000.00 |
| Report filed for Quarter ended |
31-12-2025 |
| Monitoring Agency |
Not Applicable |
| Monitoring Agency Name, if applicable |
|
| Is there a Deviation / Variation in use of funds raised |
No |
| If yes, whether the same is pursuant to change in terms of a contract or objects,
which was approved by the shareholders |
|
| If Yes, Date of shareholder Approval |
|
| Explanation for the Deviation / Variation |
|
| Comments of the Audit Committee after review |
|
| Comments of the auditors, if any |
|
| Sr. |
Original Object |
Modified Object, if any |
Original Allocation |
Modified allocation, if any |
Funds Utilised |
Amount of Deviation/Variation for the quarter according to applicable
object |
Remarks if any |
Signatory Details
| Name of signatory |
RAJESH V UPADHYA |
| Designation of person |
Company Secretary |
| Place |
MUMBAI |
| Date |
21-01-2026 |
Format for Disclosing Outstanding Default on Loans and Debt Securities
Amount in (Lakhs)
| Sr. No. |
Particulars |
Amount |
Remarks |
| 1. |
Loans / revolving facilities like cash credit
from banks / financial institutions |
| A |
Total amount outstanding as on date |
0.00 |
|
| B |
Of the total amount outstanding, amount of default as on date |
0.00 |
|
| 2. |
Unlisted debt securities i.e. NCDs and NCRPS
|
| A |
Total amount outstanding as on date |
0.00 |
|
| B |
Of the total amount outstanding, amount of default as on date |
0.00 |
|
| 3. |
Total financial indebtedness of the listed entity including short-term
and long-term debt |
1,06,07,389.00 |
|