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 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 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


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 Consolidated Consolidated
1 Interest earned
Interest or discount on advances or bills 131523500000 503372200000
Income on investments 44106000000 173836000000
Interest on balances with reserve bank of India and other inter bank funds 8929200000 32057900000
Others 230900000 3811000000
Total interest earned 184789600000 713077100000
2 Other income 34545900000 91047300000
3 Total income 219335500000 804124400000
Expenses
4 Interest expenses 123326200000 465941800000
5 Operating expenses
(i) Employees cost 29057100000 103873100000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other Operating Expenses 17777000000 68226000000
Total other operating Expenses 17777000000 68226000000
Total Operating Expenses 46834100000 172099100000
6 Total expenditure excluding provisions and contingencies 170160300000 638040900000
7 Operating profit before provision and contingencies 49175200000 166083500000
8 Provisions other than tax and contingencies 13662600000 40500200000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 35512600000 125583300000
11 Provision for Tax 9036400000 32188600000
12 Net profit (loss) from ordinary activities after tax 26476200000 93394700000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 26476200000 93394700000
15 Share of profit (loss) of associates -453000000 2127000000
16 Profit (loss) of minority interest 3400000 38900000
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 26019800000 95482800000
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) 678502700000
20 Analytical ratios
(i) Percentage of share held by government of India 73.38 73.38
(ii) Capital adequacy ratio
CET 1 ratio 15.59 15.59
Additional Tier 1 ratio 0.62 0.62
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 5.72 20.97
Diluted earnings per share before extraordinary items 5.72 20.97
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 5.72 20.97
Diluted earnings per share after extraordinary items 5.72 20.97
(iv) NPA Ratios
Amount of gross non-performing assets 0 0
Amount of net non-performing assets 0 0
% 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
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 Consolidated
1 Capital and liabilities
Capital 45534100000
Reserves and surplus 761723500000
Deposits 8198059800000
Borrowings 1238694600000
Other liabilities and provisions 320238100000
Total Capital Liabilities 10564250100000
2 ASSETS
Cash and Balances with Reserve Bank of India 521258300000
Balances with Banks and money at call and short notice 487113300000
Investments 2680022900000
Advances 6535182200000
Fixed Assets 120469400000
Other Assets 220204000000
Total Assets 10564250100000
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 Consolidated Consolidated
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury Operations 61956900000 227358800000
2 Wholesale Banking Operations 70490300000 273389400000
3 Retail Banking Operations 89352100000 310532600000
4 Unallocated 283400000 3610000000
Total Segment Revenue 222082700000 814890800000
Less: Inter segment revenue
Income from operations 222082700000 814890800000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury Operations 16869700000 62896600000
2 Wholesale Banking Operations 5255800000 19878000000
3 Retail Banking Operations 22543000000 72208000000
4 Unallocated -9612300000 -27311200000
Total Profit before tax 35056200000 127671400000
i. Finance cost
ii. Other Unallocable Expenditure net off Unallocable income 0 0
Profit before tax 35056200000 127671400000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury Operations 3527179900000 3527179900000
2 Wholesale Banking Operations 3846496200000 3846496200000
3 Retail Banking Operations 2822187700000 2822187700000
4 Unallocated 368386300000 368386300000
Total Segment Assets 10564250100000 10564250100000
Un-allocable Assets 0 0
Net Segment Assets 10564250100000 10564250100000
4 Segment Liabilities
Segment Liabilities
1 Treasury Operations 3313393200000 3313393200000
2 Wholesale Banking Operations 3690361700000 3690361700000
3 Retail Banking Operations 2597824800000 2597824800000
4 Unallocated 155412700000 155412700000
Total Segment Liabilities 9756992400000 9756992400000
Un-allocable Liabilities 0 0
Net Segment Liabilities 9756992400000 9756992400000
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 Consolidated
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 1045000000
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) 12476400000
3 Adjustments for working capital
Adjustments for decrease (increase) in inventories -325139600000
Adjustments for decrease (increase) in trade receivables -915345800000
Adjustments for decrease (increase) in other current assets 44802800000
Adjustments for increase (decrease) in trade payables 791945400000
Adjustments for increase (decrease) in other current liabilities 407365700000
Adjustments for provisions 43321100000
Total adjustments for working capital 46949600000
Total adjustments for reconcile profit (loss) 59426000000
Net cash flows from (used in) operations 185009300000
Dividends received -305600000
Interest paid 0
Interest received 0
Income taxes paid (refund) 1447300000
Other inflows (outflows) of cash 2088100000
Net cash flows from (used in) operating activities before extraordinary items 185344500000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) operating activities 185344500000
4 Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 0
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 499500000
Purchase of tangible assets 7230500000
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 305600000
Interest received 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash -2119400000
Proceeds from government grants 0
Net cash flows from (used in) investing activities before extraordinary items -8544800000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) investing activities -8544800000
5 Cash flows from used in financing activities
Proceeds from issuing shares 1114600000
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 342400000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) financing activities 342400000
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes 177142100000
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 177142100000
Cash and cash equivalents cash flow statement at beginning of period 831229700000
Cash and cash equivalents cash flow statement at end of period 1008371800000


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