Bank of India Limited (BANKINDIA) Earnings Call Transcripts

Bank of India Limited's Latest Earnings Call - Q4 FY2026

In Q4 FY '26, Bank of India Limited reported robust growth in key financial metrics, with net profit increasing by over 14% year-over-year to INR 10,527 crores. The bank's global business grew by 14.57% year-over-year, driven by a 15.82% increase in gross global advances. Management maintained guidance for FY '27, projecting global advances growth of 15-16% and global deposit growth of 13-14%. Despite challenges from geopolitical tensions and rising interest rates, the bank's asset quality improved significantly, with gross NPA ratio decreasing to 1.98%.

Reported metrics

Guidance from management

Management expects global advances growth of 15-16% and global deposit growth of 13-14% for FY '27, focusing on strengthening the deposit franchise and enhancing return on assets.

What management said

Yes. So we are saying that, yes, we will have a NIM of somewhere around from present 2.52% at somewhere around 2.70% to 2.75% NIM we are targeting -- we are guiding for March '27. Domestic NIM, definitely, we are targeting to get as close to 3% as possible.

What analysts pressed on

Analysts expressed concerns regarding the potential impact of geopolitical tensions on credit quality and the bank's reliance on bulk deposits amidst tight competition for retail deposits. There were also questions about the bank's preparedness for the upcoming ECL guidelines and the expected impact on provisioning.

Main topics on the call

• Revenue Growth — Bank of India reported a global business growth of 14.57% year-over-year, reaching INR 16.98 lakh crores. Management stated, "Our focus remained on a calibrated credit growth with emphasis on quality, underwriting, secto...
• Asset Quality Improvement — The gross NPA ratio improved to 1.98%, down 129 basis points from the previous year. Management noted, "There has been improvement in the asset quality with reduction in both gross NPA and net NPA ratio."
• Guidance for FY '27 — Management maintained guidance for FY '27, expecting global advances growth of 15-16% and global deposit growth of 13-14%. They emphasized a focus on strengthening the deposit franchise for a higher share of low-cost fun...
• Digital Initiatives — The bank is enhancing its digital offerings, including the Umang app and Bharat Connect biller services, to improve customer engagement. Management stated, "This initiative enhances the digital reach and strengthens the ...

Read the full Bank of India Limited transcript (Q4 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 24 Bank of India Limited earnings call transcripts on record, spanning January 31, 2020 to July 24, 2026. Based on this history, Bank of India Limited reports quarterly. The most recent call on file is dated July 24, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

BANKINDIA

Exchange

NSEI

Country

IN

Sector

Financials

Industry

Banks

Calls on record

24

First call

January 31, 2020

Most recent

July 24, 2026

Reporting cadence

quarterly