Q4 Quarter/Year ended 31st March, 2026 Financial Result (Provisional)
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 02 Apr 2026, 05:52 PM IST · BSE ID: c0a7bbfc-7d2f-404a-9cd1-d3b278886b0f
View Original BSE Filing (PDF)
💡
In Simple Terms
Bank of India reported Q4 results showing strong growth: overall business up 14.5%, customer deposits up 13.6%, and loans advanced up 15.7% compared to last year.
🤖 AI Summary
- Global business at Rs. 16,98,026 Crore with 14.53% YoY growth in Q4 FY26
- Global deposits rose to Rs. 9,27,460 Crore; gross advances reached Rs. 7,70,566 Crore
- Domestic deposits grew 14.33% YoY to Rs. 8,00,682 Crore; domestic advances up 15.95%
- RAM advances (domestic) surged 18.63% YoY to Rs. 3,82,796 Crore
- Results are provisional, pending statutory central auditor review
🔢 Key Numbers — exact figures from BSE filing, not rounded
Global Business
Rs. 16,98,026 Crore
14.53%
Global Deposits
Rs. 9,27,460 Crore
13.58%
Global Gross Advances
Rs. 7,70,566 Crore
15.69%
Domestic Deposits
Rs. 8,00,682 Crore
14.33%
Domestic Gross Advances
Rs. 6,53,441 Crore
15.95%
RAM Advances (Domestic)
Rs. 3,82,796 Crore
18.63%
🏢 How This Affects the Company
Global balance sheet expanded significantly with business growth of 14.53% YoY to Rs. 16,98,026 Crore. Both deposits and advances segments recorded double-digit growth, with domestic RAM advances accelerating at 18.63% YoY, indicating expansion in retail and agricultural lending.
Total deposits at Rs. 9,27,460 Crore (global) and gross advances at Rs. 7,70,566 Crore reflect asset base strengthening. Domestic advances composition shows healthy retail and agricultural mortgage expansion at Rs. 3,82,796 Crore, suggesting improved asset quality mix.
👥 What This Means For Shareholders
✅
Action Required
No immediate action required. Await final audited results to confirm provisional figures.
👤
Who Is Affected
All equity shareholders holding Bank of India shares. These provisional results will inform Q4 dividend declaration and full-year earnings per share calculation.
🔍
Management Signal
Strong credit growth outpacing deposit growth indicates management's focus on loan expansion and margin sustainability despite competitive deposit environment.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Final audited Q4 FY26 results — confirm provisional figures and check for any statutory adjustments
Q4 FY26 dividend announcement — monitor per-share payout against earnings reported
Asset quality metrics release — track NPA ratios and provision coverage alongside advance growth
LOW RISK
Provisional status pending auditor review is standard for financial results filings. No material contingencies or asset quality deterioration flagged.
💡 Investor Takeaway
Bank of India's Q4 FY26 provisional results show global business at Rs. 16,98,026 Crore (up 14.53% YoY). Deposits grew 13.58% to Rs. 9,27,460 Crore; gross advances rose 15.69% to Rs. 7,70,566 Crore. Domestic RAM advances accelerated at 18.63% to Rs. 3,82,796 Crore. Results are provisional pending auditor review.
⚖️ Strengths & Concerns
✅ Positives
- Gross advances grew 15.69% YoY globally and 15.95% domestically, outpacing deposit growth of 13.58%-14.33%
- RAM advances accelerated at 18.63% YoY to Rs. 3,82,796 Crore, indicating strong retail and agricultural lending momentum
⚠️ Concerns
- Results are provisional and subject to statutory auditor review, creating potential for adjustments before final disclosure
- Advance-to-deposit ratio tightening globally (deposits +13.58%, advances +15.69%) warrants monitoring for margin pressure