Financial Result for the quarter ended June 2026
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 24 Jul 2026, 05:26 PM IST · BSE ID: c75871b4-be35-4125-ba35-708fc6901d5c
View Original BSE Filing (PDF)
💡
In Simple Terms
Bank of India's net profit increased by 36.22% to 3,06,790 Lakh for the first quarter of financial year 2027.
🤖 AI Summary
- Bank of India's Board approved Q1 FY27 unaudited standalone and consolidated financial results on July 24, 2026.
- Standalone Net Profit for Q1 FY27 was 3,06,790 Lakh, a 36.22% increase from 2,25,212 Lakh in Q1 FY26.
- Standalone Interest Earned for Q1 FY27 totaled 19,94,932 Lakh, up from 18,35,219 Lakh in Q1 FY26.
- The bank reported a standalone Capital Adequacy Ratio (Basel III) of 18.69% and Gross NPA percentage of 1.81% for Q1 FY27.
- Retail Banking Operations revenue for Q1 FY27 stood at 8,61,573 Lakh (standalone), the largest segment revenue contributor.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Standalone Net Profit after tax (Q1 FY27)
3,06,790 Lakh
36.22%
Standalone Interest earned (Q1 FY27)
19,94,932 Lakh
8.69%
Standalone Gross NPA Percentage (Q1 FY27)
1.81%
Standalone Net NPA Percentage (Q1 FY27)
0.51%
Standalone Capital Adequacy Ratio (Basel III) (Q1 FY27)
18.69%
Standalone Retail Banking Operations Revenue (Q1 FY27)
8,61,573 Lakh
15.39%
🏢 How This Affects the Company
The bank's core interest earning activities, particularly interest on advances/bills, show a growth trajectory, contributing to overall income expansion.
Net profit increased significantly year-over-year. Improvements in asset quality, as indicated by reduced Gross and Net NPA percentages, impact the balance sheet positively by reducing required provisions.
The report notes the commencement of two Digital Banking Units (DBUs) as a sub-segment of Retail Banking, indicating ongoing operational integration of digital channels.
The standalone Gross NPA percentage decreased to 1.81% from 2.92% YoY, and Net NPA percentage decreased to 0.51% from 0.75% YoY, indicating a reduction in credit risk.
👥 What This Means For Shareholders
✅
Action Required
No immediate action required from shareholders based on this financial results filing.
👤
Who Is Affected
Shareholders are affected by the improved financial performance, specifically the 36.22% increase in standalone net profit and reduction in NPA percentages, which reflect the bank's operational health.
🔍
Management Signal
The Board's approval of strong Q1 FY27 results and improved asset quality metrics signals a focus on maintaining profitability and balance sheet strength.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 financial results — check for sustained profit growth and asset quality.
Update on Digital Banking Units (DBUs) performance and expansion.
Movement in Gross and Net NPA figures in subsequent quarters.
LOW RISK
Improved asset quality and robust capital adequacy indicate reduced financial risks.
💡 Investor Takeaway
Bank of India reported standalone net profit of 3,06,790 Lakh for Q1 FY27, a 36.22% increase from 2,25,212 Lakh in Q1 FY26. Gross NPA percentage improved to 1.81% from 2.92% over the same period, confirming enhanced asset quality.
⚖️ Strengths & Concerns
✅ Positives
- Standalone net profit grew 36.22% to 3,06,790 Lakh in Q1 FY27 from 2,25,212 Lakh in Q1 FY26.
- Gross Non-Performing Assets (NPA) percentage decreased to 1.81% in Q1 FY27 from 2.92% in Q1 FY26 (standalone).
⚠️ Concerns
- Standalone Income on Investments decreased to 4,53,216 Lakh in Q1 FY27 from 4,62,361 Lakh in Q1 FY26.
- Standalone Treasury Operations segment profit decreased to 1,60,702 Lakh in Q1 FY27 from 1,92,853 Lakh in Q1 FY26.
📅 Company Track Record
Bank of India's Q1 FY27 standalone net profit of 3,06,790 Lakh continues a growth trend, following a 36.22% YoY increase in Q1 FY27 and a 14.19% increase for FY26 to Rs. 1,052,715 Lakh. Provisional Q1 FY27 global business also grew 16.58% YoY.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Bank of India's standalone net profit in Q1 FY27?
Bank of India's standalone net profit for the first quarter ended June 30, 2026, was 3,06,790 Lakh.
How much did Bank of India's standalone net profit grow year-over-year in Q1 FY27?
Bank of India's standalone net profit grew by 36.22% in Q1 FY27, from 2,25,212 Lakh in Q1 FY26 to 3,06,790 Lakh in Q1 FY27.
What was Bank of India's standalone Gross NPA percentage in Q1 FY27?
Bank of India's standalone Gross Non-Performing Assets (NPA) percentage was 1.81% for the quarter ended June 30, 2026.
What was Bank of India's standalone Capital Adequacy Ratio (Basel III) in Q1 FY27?
Bank of India's standalone Capital Adequacy Ratio (Basel III) was 18.69% for the quarter ended June 30, 2026.
Which segment contributed most to Bank of India's standalone revenue in Q1 FY27?
Retail Banking Operations contributed the most to standalone segment revenue in Q1 FY27 with 8,61,573 Lakh.
Questions based on this BSE filing only. For information purposes.