Bank of India Q1 FY26 earnings call summary

Earnings call of 29 Jul 2025, summarised by AI from the filing.

₹2,252 cr in Q1 FY26 (Q1 FY25: ₹1,703 cr, +32%).

Key takeaways

1. Net profit ₹2,252 cr in Q1 FY26 (Q1 FY25: ₹1,703 cr, +32%).
2. NIM bottom Global NIM bottomed at 2.55% in Q1 FY26; recovery expected from Q3 as deposit repricing completes.
3. Credit pipeline ₹80,000 cr pipeline, ₹10,000 cr RAM; disbursements expected in Q3 and Q4.
4. Margin pressure Net interest income and NIM under pressure this year due to lag in deposit repricing.

Original filing on BSE

Bank of India Q1 FY27 results

As filed: Revenue ₹20,097 cr, EBITDA ₹1,551 cr, PAT ₹3,138 cr, EBITDA margin 7.7%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹19,573 cr, EBITDA ₹800 cr, PAT ₹3,050 cr, EBITDA margin 4.1%. Not scored. Bank result format: not scored yet. Share price after the results: 0.0% in 30 days (Nifty 500: −1.0%).
• Q3 FY26: Revenue ₹19,052 cr, EBITDA ₹1,346 cr, PAT ₹2,750 cr, EBITDA margin 7.1%. Not scored. Bank result format: not scored yet. Share price after the results: +10.0% in 28 days (Nifty 500: −4.2%).
• Q2 FY26: Revenue ₹18,521 cr, EBITDA ₹1,143 cr, PAT ₹2,526 cr, EBITDA margin 6.2%. Not scored. Bank result format: not scored yet. Share price after the results: +15.6% in 30 days (Nifty 500: +2.3%).
• Q1 FY26: Revenue ₹18,467 cr, EBITDA ₹228 cr, PAT ₹1,764 cr, EBITDA margin 1.2%. Not scored. Bank result format: not scored yet. Share price after the results: −1.7% in 30 days (Nifty 500: −2.0%).
• Q4 FY25: Revenue ₹18,479 cr, EBITDA ₹96.4 cr, PAT ₹2,648 cr, EBITDA margin 0.5%. Not scored. Bank result format: not scored yet. Share price after the results: +12.8% in 28 days (Nifty 500: +6.9%).
• Q3 FY25: Revenue ₹18,317 cr, EBITDA ₹1,667 cr, PAT ₹2,559 cr, EBITDA margin 9.1%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹17,466 cr, EBITDA ₹606 cr, PAT ₹2,399 cr, EBITDA margin 3.5%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

Bank of India earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (24 Jul 2026), Results deck (24 Jul 2026), Results deck (8 Sep 2026), Results press release (24 Jul 2026)
• Q4 FY26: Earnings call (8 May 2026), Results deck (8 May 2026)
• Q3 FY26: Earnings call (21 Jan 2026), Results deck (21 Jan 2026), Results press release (21 Jan 2026)
• Q2 FY26: Earnings call (17 Oct 2025), Results deck (17 Oct 2025), Results press release (17 Oct 2025)
• Q1 FY26: Earnings call (29 Jul 2025), Results deck (29 Jul 2025), Results press release (29 Jul 2025)
• Q4 FY25: Earnings call (9 May 2025), Results deck (9 May 2025), Results press release (9 May 2025), Results press release (9 May 2025)