Bank of India Reports Q1 Financial Results for Fiscal Year 2026, Shows Stable Profitability and Strong Capital Adequacy

Bank of India Reports Q1 Financial Results for Fiscal Year 2026, Shows Stable Profitability and Strong Capital Adequacy​

Bank of India released its Unaudited (Reviewed) Standalone and Consolidated Financial Results for the first quarter ended June 30, 2026. The results reflect a strong performance across various business segments while maintaining robust capital adequacy ratios.

Q1 Performance Highlights​

The Bank reported Total Income of ₹22,71,228 (Reviewed) against ₹85,64,956 (Audited) for the consolidated entity in the first quarter of FY 2026. This was achieved after Total Expenses amounted to ₹17,57,429 (Reviewed). The operational performance yielded an Operating Profit of ₹5,13,799 (Reviewed).

The net profit for the period stood at ₹3,30,258 (Reviewed), translating to a Net Profit Margin of 14.54% (Consolidated).

Financial Ratios and Stability​

The Bank demonstrated steady financial health across its key metrics as of June 30, 2026. The consolidated Capital Adequacy Ratio (CAR) stood at 19.28%, with the Common Equity Tier 1 (CET 1) ratio reaching 16.59%.


The Bank's asset quality indicators included a Gross NPA percentage of 1.98% and a Net NPA percentage of 0.56%. The Return on Assets (Annualised) was reported at 1.01%.

Segment and Geographical Contributions​

The consolidated segment results provided insights into the varying contributions of different banking operations:


Geographically, the Bank’s revenue stream was comprised of Domestic and International sources. For the quarter, the Total Revenue reached 22,71,228 (Reviewed), with a breakdown as follows:

Balance Sheet and Capital Structure​

As at the end of June 30, 2026, the Bank reported a total of 1209,32,371 in Total Assets. The liabilities side showed Deposits totaling 9,30,97,341 and Borrowings at 1,18,62,589.

The financial position indicated that Capital Employed stood strong. The consolidated balance sheet reflected a total of 11,79,55,159 for Total Assets, with the capital structure consisting of deposits, borrowings, and other liabilities and provisions totaling 11,18,33,407.

Operational and Risk Management​

The Bank maintained strict oversight on operational risks and lending activities. The aggregated outstanding amount of loans transferred during the quarter stood at 709.31 Crore. Concurrently, the consolidated results showed a total of 25.74 Crore in loans acquired through Co-Lending Arrangements (CLAs).

Regarding fraud management, the Bank reported that 35 frauds were reported as of June 30, 2026, with an amount involved of 855.01 Crore and a provision made for such frauds amounting to ₹326.73 Crore.

In terms of project implementation, the bank maintained 200 projects under implementation at the end of the quarter, with total outstanding amount recorded at 8,427 crore.

Associate Investments Update​

The Bank also reported that it infused additional capital of 22.64 Crore into ASREC (India) Ltd., recognizing a Capital Reserve of 2.56 Crore. Following this investment, the bank’s shareholding in the associate increased to 27.30% from 26.02%.

BANKINDIA Stock Price Movement​

Today, Bank of India shares closed higher in the market, settling at ₹142.62 after gaining 0.35%. The stock saw robust interest throughout the session, recording a traded volume of 7.6 million shares.