Bank of India
Bank of India (BANKINDIA) financial statements and selected valuation metrics from NSE/BSE exchange filings through 30 June 2026.
Financial Services›Financial Services›Banks›Public Sector Bank
Key metrics
Price as of 2026-09-03
Stock price
₹145.00
Market cap
66,080 Cr
Stock P/E
5.5
P/B
0.73
Dividend yield
2.8%
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Share price
NSE closing price from historical market data.
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Statement tables · Consolidated
Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.
Amounts in ₹ Cr · NSE preferred when both exchanges report the same period · tap + to expand rows
Quarterly results
Quarterly · ₹ Cr · tap + rows to expand
| Metric | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 5,806 Cr | 5,527 Cr | 6,009 Cr | 6,353 Cr | 6,063 Cr | 6,152 Cr | 6,146 Cr | 6,146 Cr | 5,992 Cr | 6,548 Cr | 6,789 Cr | 6,941 Cr |
| Other income | 1,717 Cr | 1,202 Cr | 1,830 Cr | 1,338 Cr | 2,532 Cr | 1,780 Cr | 3,455 Cr | 2,211 Cr | 2,218 Cr | 2,327 Cr | 3,280 Cr | 2,615 Cr |
| Net operating income | 7,524 Cr | 6,729 Cr | 7,838 Cr | 7,691 Cr | 8,595 Cr | 7,932 Cr | 9,601 Cr | 8,357 Cr | 8,210 Cr | 8,875 Cr | 10,068 Cr | 9,556 Cr |
| Employee cost | 2,197 Cr | 2,228 Cr | 2,563 Cr | 2,367 Cr | 2,653 Cr | 2,462 Cr | 2,906 Cr | 2,420 Cr | 2,476 Cr | 2,707 Cr | 2,846 Cr | 2,640 Cr |
| Other expenses | 1,508 Cr | 1,444 Cr | 1,630 Cr | 1,597 Cr | 1,741 Cr | 1,707 Cr | 1,778 Cr | 1,867 Cr | 1,881 Cr | 1,912 Cr | 2,141 Cr | 1,778 Cr |
| Provisions & contingencies | 841 Cr | 518 Cr | 1,848 Cr | 1,305 Cr | 1,062 Cr | 317 Cr | 1,366 Cr | 1,112 Cr | 492 Cr | 582 Cr | 1,002 Cr | 971 Cr |
| Depreciation | — | — | — | — | — | — | — | — | — | — | — | — |
| Profit before tax | 2,977 Cr | 2,539 Cr | 1,797 Cr | 2,422 Cr | 3,138 Cr | 3,447 Cr | 3,551 Cr | 2,439 Cr | 3,361 Cr | 3,674 Cr | 4,079 Cr | 4,167 Cr |
| Tax % | 50.0% | 25.3% | 16.6% | 28.4% | 23.6% | 25.8% | 25.4% | 27.7% | 24.9% | 25.1% | 25.2% | 24.7% |
| Net profit | 1,499 Cr | 1,931 Cr | 1,574 Cr | 1,890 Cr | 2,422 Cr | 2,638 Cr | 2,602 Cr | 1,831 Cr | 2,576 Cr | 2,814 Cr | 3,089 Cr | 3,304 Cr |
| EPS (₹) | ₹3.65 | ₹4.59 | ₹3.46 | ₹4.15 | ₹5.32 | ₹5.79 | ₹5.72 | ₹4.02 | ₹5.66 | ₹6.18 | ₹6.78 | ₹7.25 |
Profit & loss (annual)
Annual · last column is TTM · ₹ Cr · tap + to expand
| Metric | Mar 2020 | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 15,399 Cr | 14,433 Cr | 14,197 Cr | 20,491 Cr | 23,317 Cr | 24,714 Cr | 25,474 Cr | Sign in for TTM |
| Other income | 6,809 Cr | 7,496 Cr | 8,011 Cr | 7,211 Cr | 6,233 Cr | 9,105 Cr | 10,036 Cr | Sign in for TTM |
| Net operating income | 22,208 Cr | 21,929 Cr | 22,208 Cr | 27,702 Cr | 29,550 Cr | 33,818 Cr | 35,510 Cr | Sign in for TTM |
| Employee cost | 6,197 Cr | 6,529 Cr | 7,112 Cr | 8,453 Cr | 9,263 Cr | 10,387 Cr | 10,450 Cr | Sign in for TTM |
| Other expenses | 4,416 Cr | 4,477 Cr | 5,058 Cr | 5,921 Cr | 6,044 Cr | 6,823 Cr | 7,801 Cr | Sign in for TTM |
| Provisions & contingencies | 16,166 Cr | 7,645 Cr | 4,464 Cr | 7,230 Cr | 4,050 Cr | 4,050 Cr | 3,188 Cr | Sign in for TTM |
| Depreciation | — | — | — | — | — | — | — | Sign in for TTM |
| Profit before tax | -4,570 Cr | 3,278 Cr | 5,574 Cr | 6,099 Cr | 10,193 Cr | 12,558 Cr | 13,553 Cr | Sign in for TTM |
| Tax % | 35.9% | 32.9% | 38.9% | 36.3% | 37.4% | 25.6% | 25.6% | Sign in for TTM |
| Net profit | -3,051 Cr | 2,081 Cr | 3,487 Cr | 3,839 Cr | 6,567 Cr | 9,552 Cr | 10,309 Cr | Sign in for TTM |
| EPS (₹) | ₹-9.39 | ₹6.36 | ₹9.07 | ₹9.35 | ₹15.48 | ₹20.97 | ₹22.64 | Sign in for TTM |
| Dividend payout % | — | 0.0% | 0.0% | 21.4% | 12.5% | 13.3% | 17.9% | Sign in for TTM |
Sign in for TTM
Trailing twelve months totals and margin rows
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2020 | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Equity capital | 3,278 Cr | 3,278 Cr | 4,104 Cr | 4,104 Cr | 4,553 Cr | 4,553 Cr | 4,553 Cr |
| Reserves | 35,424 Cr | 46,703 Cr | 52,418 Cr | 49,374 Cr | 59,153 Cr | 67,850 Cr | 77,381 Cr |
| Borrowings | — | 32,464 Cr | 26,821 Cr | — | 80,960 Cr | 1,23,869 Cr | 1,18,626 Cr |
| Other liabilities | 6,24,317 Cr | 6,50,346 Cr | 6,59,788 Cr | 7,72,558 Cr | 7,79,614 Cr | 8,60,152 Cr | 9,78,992 Cr |
| Total liabilities | 6,63,019 Cr | 7,32,790 Cr | 7,43,131 Cr | 8,26,036 Cr | 9,24,280 Cr | 10,56,425 Cr | 11,79,552 Cr |
| Fixed assets (net) | — | 9,001 Cr | 9,856 Cr | — | 10,328 Cr | 12,047 Cr | 11,877 Cr |
| CWIP | — | — | — | — | — | — | — |
| Investments | — | 1,91,693 Cr | 1,80,274 Cr | — | 2,34,592 Cr | 2,68,002 Cr | 2,79,084 Cr |
| Loans & advances | — | 3,67,667 Cr | 4,23,001 Cr | — | 5,66,644 Cr | 6,53,518 Cr | 7,64,651 Cr |
| Cash & bank | — | 60,930 Cr | 40,530 Cr | — | 38,894 Cr | 52,126 Cr | 47,660 Cr |
| Other assets | 6,63,019 Cr | 1,03,498 Cr | 89,470 Cr | 8,26,036 Cr | 73,823 Cr | 70,732 Cr | 76,279 Cr |
| Total assets | 6,63,019 Cr | 7,32,790 Cr | 7,43,131 Cr | 8,26,036 Cr | 9,24,280 Cr | 10,56,425 Cr | 11,79,552 Cr |
Cash flows
Annual · ₹ Cr · tap + rows to expand · last column includes FCF
| Metric | Mar 2020 | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Cash from operating activity | — | 37,868 Cr | -35,487 Cr | -7,045 Cr | -4,437 Cr | 18,534 Cr | 4,753 Cr |
| Cash from investing | — | -182 Cr | -644 Cr | -521 Cr | -991 Cr | -854 Cr | -329 Cr |
| Cash from financing | — | 2,398 Cr | 1,146 Cr | 541 Cr | 3,868 Cr | 34 Cr | -5,672 Cr |
| Net cash flow | — | 40,085 Cr | -34,985 Cr | -7,026 Cr | -1,560 Cr | 17,714 Cr | -1,248 Cr |
| Free cash flow (OCF − Capex) | — | 37,519 Cr | -36,059 Cr | -7,668 Cr | -5,287 Cr | 17,811 Cr | 3,863 Cr |
Ratios
Ratios as reported or derived per annual period.
| Metric | Mar 2020 | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| ROCE % | 58.5% | 4.2% | 4.2% | 62.7% | 5.4% | 5.8% | 5.6% |
| ROE % | -7.9% | 4.5% | 6.4% | 7.2% | 10.3% | 13.2% | 12.6% |
| Debtor days | — | — | — | — | — | — | — |
| Inventory days | — | — | — | — | — | — | — |
| Days payable | — | — | — | — | — | — | — |
| Cash conversion cycle | — | — | — | — | — | — | — |
| Debt / equity | — | 0.65 | 0.47 | — | 1.27 | 1.71 | 1.45 |
| Current ratio | — | — | — | — | — | — | — |
| Net debt / EBITDA | — | — | — | — | — | — | — |
Regulatory ratios (standalone basis)
RBI/Basel III ratios — NPA, CET1, CRAR, NIM, ROA — for the licensed banking entity. Always sourced from the standalone filing, even on the consolidated view, since these have no consolidated-group definition.
| Metric | Mar 2020 | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Gross NPA | 61,550 Cr | 56,535 Cr | 45,605 Cr | 37,686 Cr | 29,183 Cr | 21,749 Cr | 15,306 Cr |
| Gross NPA % | 14.8% | 13.8% | 10.0% | 7.3% | 5.0% | 3.3% | 2.0% |
| Net NPA | 14,320 Cr | 12,262 Cr | 9,852 Cr | 8,054 Cr | 6,845 Cr | 5,358 Cr | 4,250 Cr |
| Net NPA % | 3.9% | 3.4% | 2.3% | 1.7% | 1.2% | 0.8% | 0.6% |
| CET1 % | 9.9% | 11.5% | 14.0% | 13.6% | 14.9% | 14.8% | 15.0% |
| Additional Tier 1 % | 13.1% | 0.4% | 0.4% | 0.8% | 0.7% | 0.6% | 0.3% |
| Capital adequacy % | — | — | — | — | — | — | — |
| NIM % | — | — | — | — | — | — | — |
| ROA % | -0.4% | 0.1% | 0.4% | 0.5% | 0.7% | 0.9% | 0.9% |
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