BANKINDIA Bank of India Q2 FY27 results (Jul–Sep 2026) and concall
Bank of India reported a strong Q2 FY27. Net profit rose 25.32% YoY to ₹3,202 crores, helped by 18.52% NII growth, 24.77% non-interest income growth and continued improvement in asset quality (GNPA 1.60%, NNPA 0.42%, PCR 94.45%). Balance-sheet growth was strong at above 20% YoY for both advances and deposits. However, the CASA ratio fell to 34.16% and NIM dropped 5 bps QoQ to 2.47%, as $2.2 billion of FCNR deposits were deployed in the overseas book. Management reiterated FY27 guidance of 15-16% advances growth, 16-17% deposit growth and RoA above 1%. It expects a 6-7 bps NIM benefit from the
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What they filed
Q2 FY27: revenue up 15.3%, net profit up 25.3% against the same quarter last year.
| Line item | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 | Q2 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 18,211 | 18,323 | 18,352 | 18,406 | 18,927 +4% | 19,476 +6% | 19,949 +9% | 21,229 +15% |
| Net profit | 2,517 | 2,626 | 2,252 | 2,555 | 2,705 +7% | 3,016 +15% | 3,068 +36% | 3,202 +25% |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.
