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-2024
Date of end of financial year 31-Mar-2025
Date of board meeting when results were approved 09-May-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 29-Apr-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter Fourth quarter
Nature of report standalone or consolidated Standalone
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 09-May-2025   15:30:00
End date and time of board meeting 09-May-2025   16:10:00
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
Whether the company has any related party? Yes
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure? Yes
(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 Yes
(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. Yes
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)? Yes
(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? Yes
Latest Date on which RPT policy is updated 2025-02-25
Indicate Company website link for updated RPT policy of the Company www.bankofindia.co.in
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 1
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? No
No such disclosure is applicable to our Bank


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-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
C Whether results are audited or unaudited Audited Audited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 130642100000 500449400000
Income on investments 43426800000 172050300000
Interest on balances with reserve bank of India and other inter bank funds 8933000000 31952900000
Others 230200000 3810400000
Total interest earned 183232100000 708263000000
2 Other income 34275900000 89936200000
3 Total income 217508000000 798199200000
Expenses
4 Interest expenses 122604900000 464323500000
5 Operating expenses
(i) Employees cost 28821700000 102996000000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other Operating Expenses 17233100000 66758600000
Total other operating Expenses 17233100000 66758600000
Total Operating Expenses 46054800000 169754600000
6 Total expenditure excluding provisions and contingencies 168659700000 634078100000
7 Operating profit before provision and contingencies 48848300000 164121100000
8 Provisions other than tax and contingencies 13376600000 39776700000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 35471700000 124344400000
11 Provision for Tax 9212600000 32154200000
12 Net profit (loss) from ordinary activities after tax 26259100000 92190200000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 26259100000 92190200000
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 26259100000 92190200000
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) 657813800000
20 Analytical ratios
(i) Percentage of share held by government of India 73.38 73.38
(ii) Capital adequacy ratio
CET 1 ratio 14.84 14.84
Additional Tier 1 ratio 0.63 0.63
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 5.77 20.25
Diluted earnings per share before extraordinary items 5.77 20.25
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 5.77 20.25
Diluted earnings per share after extraordinary items 5.77 20.25
(iv) NPA Ratios
Amount of gross non-performing assets 217488900000 217488900000
Amount of net non-performing assets 53584900000 53584900000
% of gross NPAs 3.27 3.27
% of net NPAs 0.82 0.82
Return on assets 0.98 0.9
21 Disclosure of notes on financial results by banks


Statement of Asset and Liabilities
Particulars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2024
Date of end of reporting period 31-Mar-2025
Whether results are audited or unaudited Audited
Nature of report standalone or consolidated Standalone
1 Capital and liabilities
Capital 45534100000
Reserves and surplus 740480300000
Deposits 8165414900000
Borrowings 1238564300000
Other liabilities and provisions 235825900000
Total Capital Liabilities 10425819500000
2 ASSETS
Cash and Balances with Reserve Bank of India 517304300000
Balances with Banks and money at call and short notice 485504800000
Investments 2591118000000
Advances 6496570400000
Fixed Assets 119387100000
Other Assets 215934900000
Total Assets 10425819500000
Disclosure of notes on assets and liabilities


Text Block
Textual Information(1)


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-Jan-2025 01-Apr-2024
Date of end of reporting period 31-Mar-2025 31-Mar-2025
Whether results are audited or unaudited Audited Audited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury Operations 61956900000 227414000000
2 Wholesale Banking Operations 69001900000 268382000000
3 Retail Banking Operations 89352100000 310532600000
4 Unallocated -55500000 2637000000
Total Segment Revenue 220255400000 808965600000
Less: Inter segment revenue 2747300000 10766400000
Income from operations 217508100000 798199200000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury Operations 17322600000 60824800000
2 Wholesale Banking Operations 5290900000 18944300000
3 Retail Banking Operations 22543000000 72208000000
4 Unallocated -9684800000 -27632700000
Total Profit before tax 35471700000 124344400000
i. Finance cost 0 0
ii. Other Unallocable Expenditure net off Unallocable income 0 0
Profit before tax 35471700000 124344400000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury Operations 3511876300000 3511876300000
2 Wholesale Banking Operations 3808568000000 3808568000000
3 Retail Banking Operations 2822187700000 2822187700000
4 Unallocated 283187500000 283187500000
Total Segment Assets 10425819500000 10425819500000
Un-allocable Assets 0 0
Net Segment Assets 10425819500000 10425819500000
4 Segment Liabilities
Segment Liabilities
1 Treasury Operations 3313393200000 3313393200000
2 Wholesale Banking Operations 3654294500000 3654294500000
3 Retail Banking Operations 2597824800000 2597824800000
4 Unallocated 74292500000 74292500000
Total Segment Liabilities 9639805000000 9639805000000
Un-allocable Liabilities 0 0
Net Segment Liabilities 9639805000000 9639805000000
Disclosure of notes on segments




Cash Flow Statement, Indirect
Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025
B Date of end of reporting period 31-Mar-2025
C Whether results are audited or unaudited Audited
D Nature of report standalone or consolidated Standalone
1 Statement of cash flows
Cash flows from used in operating activities
Profit before extraordinary items and tax
2 Adjustments for reconcile profit (loss)
Adjustments to profit (loss)
Adjustments for finance costs 13024700000
Adjustments for depreciation and amortisation expense 950300000
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss -1593300000
Adjustments for unrealised foreign exchange losses gains 0
Adjustments for dividend income 0
Adjustments for share-based payments 0
Other adjustments for which cash effects are investing or financing cash flow 0
Other adjustments to reconcile profit (loss) 0
Other adjustments for non-cash items 0
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 0
Total adjustments to profit (loss) 12381700000
3 Adjustments for working capital
Adjustments for decrease (increase) in inventories -310834400000
Adjustments for decrease (increase) in trade receivables -911050900000
Adjustments for decrease (increase) in other current assets 44581500000
Adjustments for increase (decrease) in trade payables 786212800000
Adjustments for increase (decrease) in other current liabilities 395342300000
Adjustments for provisions 42597600000
Total adjustments for working capital 46848900000
Total adjustments for reconcile profit (loss) 59230600000
Net cash flows from (used in) operations 183575000000
Dividends received -360800000
Interest paid 0
Interest received 0
Income taxes paid (refund) 796100000
Other inflows (outflows) of cash 0
Net cash flows from (used in) operating activities before extraordinary items 182418100000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) operating activities 182418100000
4 Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses -2015000000
Cash flows used in obtaining control of subsidiaries or other businesses 0
Other cash receipts from sales of equity or debt instruments of other entities 0
Other cash payments to acquire equity or debt instruments of other entities 0
Other cash receipts from sales of interests in joint ventures 0
Other cash payments to acquire interests in joint ventures 0
Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships 0
Cash payment for investment in partnership firm or association of persons or limited liability partnerships 0
Proceeds from sales of tangible assets 415500000
Purchase of tangible assets 6969400000
Proceeds from sales of intangible assets 0
Purchase of intangible assets 0
Cash advances and loans made to other parties 0
Cash receipts from repayment of advances and loans made to other parties 0
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0
Dividends received 360800000
Interest received 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Proceeds from government grants 0
Net cash flows from (used in) investing activities before extraordinary items -8208100000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) investing activities -8208100000
5 Cash flows from used in financing activities
Proceeds from issuing shares 0
Proceeds from issuing other equity instruments 0
Proceeds from issuing debentures notes bonds etc 25000000000
Proceeds from borrowings 0
Repayments of borrowings 0
Dividends paid 12747500000
Interest paid 13024700000
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Net cash flows from (used in) financing activities before extraordinary items -772200000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) financing activities -772200000
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes 173437800000
6 Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents 0
Net increase (decrease) in cash and cash equivalents 173437800000
Cash and cash equivalents cash flow statement at beginning of period 829371300000
Cash and cash equivalents cash flow statement at end of period 1002809100000


Details of Impact of Audit Qualification
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-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


Financial details
Sr. Particulars Audited Figures (as reported before adjusting for qualifications) Adjusted Figures (audited figures after adjusting for qualifications)
1 Turnover / Total income
2 Total Expenditure
3 Net Profit/(Loss)
4 Earnings Per Share
5 Total Assets
6 Total Liabilities
7 Net Worth

Any other financial item(s) (as felt appropriate by the management)



Signatories details

Name of CEO / Managing director
Name of CFO
Name of audit committee chairman
Name of statutory auditor
Name of other signatory, if any, with designation
Place
Date


Statement on Deviation or Variation for proceeds of Public Issue, Rights Issue, Preferential Issue, Qualified Institutions Placement Etc. (1)
Mode of Fund Raising Others
Description of mode of fund raising (Applicable in case of others is selected)
Date of Raising Funds 18-Feb-2025
Amount Raised 26900000000
Report filed for Quarter ended 31-Mar-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 09-May-2025




Format for Disclosure of Related Party Transactions (applicable only for half-yearly filings i.e., 2nd and 4th quarter)
Sr No. Additional disclosure of related party transactions - applicable only in case the related party transaction relates to loans, inter-corporate deposits, advances or investments made or given by the listed entity/subsidiary. These details need to be disclosed only once, during the reporting period when such transaction was undertaken.
Details of the party (listed entity /subsidiary) entering into the transaction Details of the counterparty Type of related party transaction Details of other related party transaction Value of the related party transaction as approved by the audit committee Remarks on approval by audit committee Value of transaction during the reporting period In case monies are due to either party as a result of the transaction In case any financial indebtedness is incurred to make or give loans, inter-corporate deposits, advances or investments Details of the loans, inter-corporate deposits, advances or investments Notes
Name PAN Name PAN Relationship of the counterparty with the listed entity or its subsidiary Opening balance Closing balance Nature of indebtedness (loan/ issuance of debt/ any other etc.) Details of other indebtedness Cost Tenure Nature (loan/ advance/ intercorporate deposit/ investment ) Interest Rate (%) Tenure Secured/ unsecured Purpose for which the funds will be utilised by the ultimate recipient of funds (endusage)
1 BANK OF INDIA SHRI RAJNEESH KARNATAK Managing Director and CEO Remuneration NA 34000 0 0
2 BANK OF INDIA SHRI P.R. RAJAGOPAL Executive Director Remuneration NA 38000 0 0
3 BANK OF INDIA SHRI M. KARTHIKEYAN Executive Director Remuneration NA 32000 0 0
4 BANK OF INDIA SHRI SUBRAT KUMAR Executive Director Remuneration NA 33000 0 0
5 BANK OF INDIA SHRI RAJEEV MISHRA Executive Director Remuneration NA 19000 0 0
6 BANK OF INDIA Star Union Dai-Ichi Life Insurance Company Limited Executive Director Any other transaction Bank Balance NA 6967000 6222000 13189000
7 BANK OF INDIA Star Union Dai-Ichi Life Insurance Company Limited Joint Venture Any other transaction Income receivable NA -150000 699000 549000
8 BANK OF INDIA Star Union Dai-Ichi Life Insurance Company Limited Joint Venture Loan NA 0 1000000 1000000
9 BANK OF INDIA Star Union Dai-Ichi Life Insurance Company Limited Joint Venture Investment NA 0 13292000 13292000
10 BANK OF INDIA Star Union Dai-Ichi Life Insurance Company Limited Joint Venture Interest paid NA 6009000 36313000 42322000
11 BANK OF INDIA Star Union Dai-Ichi Life Insurance Company Limited Joint Venture Any other transaction Commission Income NA 12178000 10777000 22956000
12 BANK OF INDIA Star Union Dai-Ichi Life Insurance Company Limited Joint Venture Dividend received NA 236000 0 236000
13 BANK OF INDIA Indo Zambia Bank Limited Joint Venture Any other transaction Bank Balance NA -3570000 3650000 80000
14 BANK OF INDIA Indo Zambia Bank Limited Associate Dividend received NA 1690000 0 1690000
15 BANK OF INDIA Indo Zambia Bank Limited Associate Investment NA 0 4759000 4759000
Total value of transaction during the reporting period 23516000





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
B Of the total amount outstanding, amount of default as on date
2. Unlisted debt securities i.e. NCDs and NCRPS
A Total amount outstanding as on date
B Of the total amount outstanding, amount of default as on date
3. Total financial indebtedness of the listed entity including short-term and long-term debt