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 |
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 |
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 |
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 |
Consolidated |
Consolidated |
| 1 |
Interest earned
|
|
Interest or discount on advances or bills |
13,74,458.00 |
39,64,107.00 |
|
Income on investments |
4,48,010.00 |
13,70,753.00 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
69,825.00 |
2,31,494.00 |
|
Others |
12,890.00 |
37,637.00 |
|
Total interest earned |
19,05,183.00 |
56,03,991.00 |
| 2 |
Other income |
2,32,738.00 |
6,75,678.00 |
| 3 |
Total income |
21,37,921.00 |
62,79,669.00 |
|
Expenses
|
| 4 |
Interest expenses |
12,50,424.00 |
37,35,493.00 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
2,70,711.00 |
7,60,346.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
Other Operating Expenses |
1,91,229.00 |
5,66,034.00 |
|
Total other operating Expenses |
1,91,229.00 |
5,66,034.00 |
|
Total Operating Expenses |
4,61,940.00 |
13,26,380.00 |
| 6 |
Total expenditure excluding provisions and contingencies
| 17,12,364.00 |
50,61,873.00 |
| 7 |
Operating profit before provision and contingencies |
4,25,557.00 |
12,17,796.00 |
| 8 |
Provisions other than tax and contingencies |
58,205.00 |
2,18,583.00 |
| 9 |
Exceptional items |
0.00 |
(51,880.00) |
| 10 |
Total profit (loss) from ordinary activities before tax
| 3,67,352.00 |
9,47,333.00 |
| 11 |
Provision for Tax |
92,351.00 |
2,43,374.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
2,75,001.00 |
7,03,959.00 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
2,75,001.00 |
7,03,959.00 |
| 15 |
Share of profit (loss) of associates
| 6,426.00 |
18,076.00 |
| 16
| Profit (loss) of minority interest
| 198.00 |
181.00 |
| 17
| Net Profit (loss) after taxes minority interest and share of profit
(loss) of associates
| 2,81,229.00 |
7,21,854.00 |
|
| 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 |
14.300 |
14.300 |
|
| Additional Tier 1 ratio |
0.5800 |
0.5800 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| 6.18 |
15.86 |
|
Diluted earnings per share before extraordinary items
| 6.18 |
15.86 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 6.18 |
15.86 |
|
Diluted earnings per share after extraordinary items
| 6.18 |
15.86 |
| (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 |
0 |
|
% of net NPAs
| 0 |
0 |
|
Return on assets
| 0 |
0 |
| 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 |
Consolidated |
Consolidated |
| 1 |
Segment Revenue (Income)
|
|
| (net sale/income from each segment should be disclosed) |
| 1 |
Treasury Operations |
5,69,644.00 |
17,88,482.00 |
| 2 |
Wholesale Banking Operations |
7,40,109.00 |
21,23,239.00 |
| 3 |
Retail Banking Operations |
8,31,219.00 |
23,85,795.00 |
| 4 |
Unallocated |
15,748.00 |
40,324.00 |
|
| Total Segment Revenue
| 21,56,720.00 |
63,37,840.00 |
|
Less: Inter segment revenue |
18,800.00 |
58,171.00 |
|
Income from operations |
21,37,920.00 |
62,79,669.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
Treasury Operations |
2,06,427.00 |
4,75,163.00 |
| 2 |
Wholesale Banking Operations |
10,836.00 |
1,26,363.00 |
| 3 |
Retail Banking Operations |
2,51,095.00 |
5,88,190.00 |
| 4 |
Unallocated |
(94,778.00) |
(2,24,488.00) |
|
Total Profit before tax |
3,73,580.00 |
9,65,228.00 |
|
i. Finance cost |
0.00 |
0.00 |
|
ii. Other Unallocable Expenditure net off Unallocable income
|
0.00 |
0.00 |
|
Profit before tax |
3,73,580.00 |
9,65,228.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
Treasury Operations |
3,43,84,221.00 |
3,43,84,221.00 |
| 2 |
Wholesale Banking Operations |
4,20,40,400.00 |
4,20,40,400.00 |
| 3 |
Retail Banking Operations |
3,31,61,950.00 |
3,31,61,950.00 |
| 4 |
Unallocated |
24,84,769.00 |
24,84,769.00 |
|
Total Segment Assets |
11,20,71,340.00 |
11,20,71,340.00 |
|
Un-allocable Assets |
0.00 |
0.00 |
|
Net Segment Assets |
11,20,71,340.00 |
11,20,71,340.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
Treasury Operations |
3,17,98,341.00 |
3,17,98,341.00 |
| 2 |
Wholesale Banking Operations |
3,96,78,271.00 |
3,96,78,271.00 |
| 3 |
Retail Banking Operations |
3,01,00,063.00 |
3,01,00,063.00 |
| 4 |
Unallocated |
18,54,777.00 |
18,54,777.00 |
| |
Total Segment Liabilities |
10,34,31,452.00 |
10,34,31,452.00 |
| |
Un-allocable Liabilities |
0.00 |
0.00 |
|
Net Segment Liabilities |
10,34,31,452.00 |
10,34,31,452.00 |
|
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 |