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 |
08-05-2026 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
02-05-2026 |
| Description of presentation currency |
INR |
| Level of rounding used in financial results |
Lakhs |
| Reporting Type |
Quarterly |
| Reporting Quarter |
Fourth quarter |
| Nature of report standalone or consolidated |
Consolidated |
| Whether results are audited or unaudited |
Audited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended |
Audited |
| Segment Reporting |
Multi segment |
| Description of single segment |
|
| Start date and time of board meeting |
08-05-2026
15:30:00 |
| End date and time of board meeting |
08-05-2026 17:00:00
|
| 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 |
01-01-2026 |
01-04-2025 |
| B |
Date of end of reporting period |
31-03-2026 |
31-03-2026 |
| C |
Whether results are audited or unaudited |
Audited |
Audited |
| D |
Nature of report standalone or consolidated |
Consolidated |
Consolidated |
| 1 |
Interest earned
|
|
Interest or discount on advances or bills |
14,15,224.00 |
53,79,331.00 |
|
Income on investments |
4,48,502.00 |
18,19,256.00 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
45,091.00 |
2,76,585.00 |
|
Others |
48,520.00 |
86,156.00 |
|
Total interest earned |
19,57,337.00 |
75,61,328.00 |
| 2 |
Other income |
3,27,950.00 |
10,03,628.00 |
| 3 |
Total income |
22,85,287.00 |
85,64,956.00 |
|
Expenses
|
| 4 |
Interest expenses |
12,78,457.00 |
50,13,949.00 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
2,84,621.00 |
10,44,967.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
Other Operating Expenses |
2,14,055.00 |
7,80,089.00 |
|
Total other operating Expenses |
2,14,055.00 |
7,80,089.00 |
|
Total Operating Expenses |
4,98,676.00 |
18,25,056.00 |
| 6 |
Total expenditure excluding provisions and contingencies
| 17,77,133.00 |
68,39,005.00 |
| 7 |
Operating profit before provision and contingencies |
5,08,154.00 |
17,25,951.00 |
| 8 |
Provisions other than tax and contingencies |
1,00,218.00 |
3,18,801.00 |
| 9 |
Exceptional items |
0.00 |
(51,880.00) |
| 10 |
Total profit (loss) from ordinary activities before tax
| 4,07,936.00 |
13,55,270.00 |
| 11 |
Provision for Tax |
1,02,970.00 |
3,46,344.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
3,04,966.00 |
10,08,926.00 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
3,04,966.00 |
10,08,926.00 |
| 15 |
Share of profit (loss) of associates
| 3,924.00 |
21,999.00 |
| 16
| Profit (loss) of minority interest
| 114.00 |
295.00 |
| 17
| Net Profit (loss) after taxes minority interest and share of profit
(loss) of associates
| 3,08,776.00 |
10,30,630.00 |
|
| 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) |
|
77,38,068.00 |
|
| 20 |
Analytical ratios |
| (i)
| Percentage of share held by government of India |
73.3800 |
73.3800 |
| (ii) |
Capital adequacy ratio
|
|
CET 1 ratio |
15.6600 |
15.6600 |
|
| Additional Tier 1 ratio |
0.300 |
0.300 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| 6.78 |
22.64 |
|
Diluted earnings per share before extraordinary items
| 6.78 |
22.64 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 6.78 |
22.64 |
|
Diluted earnings per share after extraordinary items
| 6.78 |
22.64 |
| (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
| |
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 |
31-03-2026 |
| Whether results are audited or unaudited |
Audited |
| Nature of report standalone or consolidated |
Consolidated |
| 1 |
Capital and liabilities |
|
Capital |
4,55,341.00 |
|
Reserves and surplus |
85,40,514.00 |
|
Deposits |
9,30,97,341.00 |
|
Borrowings |
1,18,62,589.00 |
|
Other liabilities and provisions |
|
| 1 |
Other liabilities and provisions |
39,81,542.00 |
| 2 |
Minority Interest |
17,832.00 |
|
Total of Other liabilities and provisions |
39,99,374.00 |
|
Total Capital Liabilities |
11,79,55,159.00 |
| 2
| ASSETS
|
|
| Cash and Balances with Reserve Bank of India |
47,66,042.00 |
|
| Balances with Banks and money at call and short notice
| 51,92,896.00 |
|
Investments |
2,79,08,373.00 |
|
Advances |
7,64,65,147.00 |
|
Fixed Assets |
11,87,709.00 |
|
Other Assets |
|
| 1 |
Other Assets |
24,34,992.00 |
|
Total of Other Assets |
24,34,992.00 |
|
Total Assets |
11,79,55,159.00 |
|
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 |
01-01-2026 |
01-04-2025 |
| Date of end of reporting period |
31-03-2026 |
31-03-2026 |
| Whether results are audited or unaudited |
Audited |
Audited |
| Nature of report standalone or consolidated |
Consolidated |
Consolidated |
| 1 |
Segment Revenue (Income)
|
|
| (net sale/income from each segment should be disclosed) |
| 1 |
Treasury Opertations |
5,34,693.00 |
23,23,175.00 |
| 2 |
Wholesale Banking Operations |
8,30,124.00 |
29,53,363.00 |
| 3 |
Retail Banking Operations |
9,05,279.00 |
32,91,075.00 |
| 4 |
Unallocated |
36,938.00 |
77,262.00 |
|
| Total Segment Revenue
| 23,07,034.00 |
86,44,875.00 |
|
Less: Inter segment revenue |
21,748.00 |
79,919.00 |
|
Income from operations |
22,85,286.00 |
85,64,956.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
Treasury Opertations |
1,74,061.00 |
6,49,224.00 |
| 2 |
Wholesale Banking Operations |
1,68,753.00 |
2,95,115.00 |
| 3 |
Retail Banking Operations |
1,39,967.00 |
7,28,157.00 |
| 4 |
Unallocated |
(71,036.00) |
(2,95,522.00) |
|
Total Profit before tax |
4,11,745.00 |
13,76,974.00 |
|
i. Finance cost |
0.00 |
0.00 |
|
ii. Other Unallocable Expenditure net off Unallocable income
|
0.00 |
0.00 |
|
Profit before tax |
4,11,745.00 |
13,76,974.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
Treasury Opertations |
3,67,52,781.00 |
3,67,52,781.00 |
| 2 |
Wholesale Banking Operations |
4,31,69,212.00 |
4,31,69,212.00 |
| 3 |
Retail Banking Operations |
3,40,93,546.00 |
3,40,93,546.00 |
| 4 |
Unallocated |
39,39,620.00 |
39,39,620.00 |
|
Total Segment Assets |
11,79,55,159.00 |
11,79,55,159.00 |
|
Un-allocable Assets |
0.00 |
0.00 |
|
Net Segment Assets |
11,79,55,159.00 |
11,79,55,159.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
Treasury Opertations |
3,45,07,081.00 |
3,45,07,081.00 |
| 2 |
Wholesale Banking Operations |
4,10,87,221.00 |
4,10,87,221.00 |
| 3 |
Retail Banking Operations |
3,16,13,127.00 |
3,16,13,127.00 |
| 4 |
Unallocated |
17,51,875.00 |
17,51,875.00 |
| |
Total Segment Liabilities |
10,89,59,304.00 |
10,89,59,304.00 |
| |
Un-allocable Liabilities |
0.00 |
0.00 |
|
Net Segment Liabilities |
10,89,59,304.00 |
10,89,59,304.00 |
|
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 |
31-03-2026 |
| C |
Whether results are audited or unaudited |
Audited |
| 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 |
13,55,270.00 |
| 2 |
Adjustments for reconcile profit (loss) |
|
Adjustments to profit (loss) |
|
Adjustments for finance costs |
2,09,930.00 |
|
Adjustments for depreciation and amortisation expense |
52,274.00 |
|
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss
|
46,336.00
|
|
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) |
3,08,540.00
|
| 3 |
Adjustments for working capital |
|
Adjustments for decrease (increase) in inventories |
(12,47,388.00) |
|
Adjustments for decrease (increase) in trade receivables |
(1,14,37,197.00) |
|
Adjustments for decrease (increase) in other current assets |
(5,43,311.00) |
|
Adjustments for increase (decrease) in trade payables |
1,11,16,744.00 |
|
Adjustments for increase (decrease) in other current liabilities |
6,15,778.00 |
|
Adjustments for provisions |
3,18,802.00 |
|
Total adjustments for working capital |
(11,76,572.00)
|
|
Total adjustments for reconcile profit (loss) |
(8,68,032.00) |
|
Net cash flows from (used in) operations |
4,87,238.00 |
|
Dividends received |
(2,945.00) |
|
Interest paid |
0.00 |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
30,710.00 |
|
Other inflows (outflows) of cash |
21,704.00 |
|
Net cash flows from (used in) operating activities before extraordinary items |
4,75,287.00 |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) operating activities |
4,75,287.00 |
| 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 |
4,466.00 |
|
Purchase of tangible assets |
89,011.00 |
|
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 |
2,945.00 |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
0.00 |
|
Other inflows (outflows) of cash |
48,744.00 |
|
Proceeds from government grants |
0.00 |
|
Net cash flows from (used in) investing activities before extraordinary
items |
(32,856.00) |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) investing activities |
(32,856.00) |
| 5 |
Cash flows from used in financing activities |
|
Proceeds from issuing shares |
(1,85,200.00) |
|
Proceeds from issuing other equity instruments |
12,305.00 |
|
Proceeds from issuing debentures notes bonds etc |
0.00 |
|
Proceeds from borrowings |
0.00 |
|
Repayments of borrowings |
0.00 |
|
Dividends paid |
1,84,383.00 |
|
Interest paid |
2,09,930.00 |
|
Income taxes paid (refund) |
0.00 |
|
Other inflows (outflows) of cash |
(2.00) |
|
Net cash flows from (used in) financing activities before extraordinary
items |
(5,67,210.00)
|
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) financing activities |
(5,67,210.00)
|
|
Net increase (decrease) in cash and cash equivalents before effect of
exchange rate changes |
(1,24,779.00)
|
| 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 |
(1,24,779.00)
|
|
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 |
99,58,938.00 |
Details of Impact of Audit Qualification
Amount in (Lakhs)
| Whether results are audited or unaudited |
Audited |
| 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 |
31-12-2028 |
| 3 |
M/s. S C V & Co LLP |
Yes |
28-02-2027 |
| 4 |
M/s.S Jaykishan |
Yes |
30-04-2028 |