MUMBAI, GPN| SACHIN MURDESHWAR: Bank of India Today announced its Q2FY 27 Financial Results for the Quarter/Half Year ended 30th Sep. 2026

KEY HIGHLIGHTS (Q2FY27)

Global Business increased to Rs 18,92,601 Crore, registering growth of 21.13% YoY.
Global Deposits increased to Rs 10,37,530 Crore, registering growth of 21.59% YoY.
Global Advances increased to Rs 18,55,071 Crore, registering growth of 20.58% YoY.
RAM Advances grew by 18.68% YoY and constituted 58.63% of total Advances.
Operating Profit increased by 33.19% YoY to Rs 5,089 Crore.
Net Profit increased by 25.34% YoY to Rs 3,202 Crore.
Cost to Income Ratio (CIR) improved by 507 bps YoY to 47.95%.
Return on Assets (ROA) increased by 10 bps YoY to 1.01%.

Gross NPA ratio improved by 94 bps YoY to 1.60%.
Net NPA ratio improved by 23 bps YoY to 0.42%.
Slippage ratio stood at 0.15% and Credit Cost at 0.12%.
Net Interest Margin (NIM) [Global] improved by 6 bps YoY to 2.47%.
Return on Equity (ROE) increased by 142 bps YoY to 16.36%.
CRAR increased by 109 bps YoY to 17.78%, with the CET-1 ratio at 15.49%.

Profitability
Q2 FY27
Net Profit for the quarter improved by 25.34% YoY to Rs 3,202 Crore in Q2 FY27, against Rs 2,555 Crore in Q2 FY26.
Operating Profit increased by 33.19% YoY to Rs 5,089 Crore in Q2 FY27, against Rs 3,821 Crore in Q2 FY26.
Net Interest Income (NII) increased by 18.52% YoY to Rs 7,007 Crore in Q2 FY27, against Rs 5,912 Crore in Q2 FY26.

Non-Interest Income increased by 24.78% YoY to Rs 2,770 Crore in Q2 FY27, against Rs 2,220 Crore in Q2 FY26.

H1 FY27
Net Profit improved by 30% YoY to Rs 6,270 Crore in H1 FY27, against Rs 4,807 Crore in H1 FY26.
Operating Profit increased by 30% YoY to Rs 10,140 Crore in H1 FY27, against Rs 7,830 Crore in H1 FY26.
Net Interest Income (NII) increased by 16% YoY to Rs 13,840 Crore in H1 FY27, against Rs 11,981 Crore in H1 FY26.
Non-Interest Income increased by 22% YoY to Rs 5,349 Crore in H1 FY27, against Rs 4,386 Crore in H1 FY26.

Ratios (Q2 FY27)
NIM (Global) improved by 6 bps YoY to 2.47% in Q2 FY27, against 2.41% in Q2 FY26. NIM (Domestic) improved by 9 bps YoY to 2.75%, against 2.66% in Q2 FY26.
Return on Assets (ROA) improved by 10 bps YoY to 1.01% in Q2 FY27, against 0.91% in Q2 FY26.
Return on Equity (ROE) improved by 142 bps YoY to 16.36% in Q2 FY27, against 14.94% in Q2 FY26.
Cost to Income Ratio (Global) improved by 507 bps YoY to 47.95% in Q2 FY27, against 53.02% in Q2 FY26.
Slippage ratio stood at 0.15% and Credit Cost at 0.12% in Q2 FY27.
Yield on Advances (Global) stood at 7.59%, while Cost of Deposits (Global) stood at 4.85% in Q2 FY27.

Ratios (H1 FY27)
NIM (Global) improved by 2 bps YoY to 2.50% in H1 FY27, against 2.48% in H1 FY26.
NIM (Domestic) improved by 2 bps YoY to 2.76% in H1 FY27, against 2.74% in H1 FY26.
Return on Assets (ROA) improved by 14 bps YoY to 1.01% in H1 FY27, against 0.87% in H1 FY26.
Return on Equity (ROE) improved by 205 bps YoY to 16.19% in H1 FY27, against 14.14% in H1 FY26.
Cost to Income Ratio (Global) improved by 500 bps YoY to 47.16% in H1 FY27, against 52.16% in H1 FY26.

Asset Quality
Gross NPA declined by 24.24% YoY from Rs 18,014 Crore in September 2025 to Rs 13,648 Crore in September 2026.
Net NPA declined by 21.47% YoY from Rs 4,530 Crore in September 2025 to Rs 3,557 Crore in September 2026.
GNPA ratio improved by 94 bps YoY from 2.54% in September 2025 to 1.60% in September 2026.
Net NPA ratio improved by 23 bps YoY from 0.65% in September 2025 to 0.42% in September 2026.
Provision Coverage Ratio (PCR) stood at 94.45% in September 2026, against 93.39% in September 2025.

Priority Sector
Priority Sector Advances increased by 12.03% YoY, achieving 46.24% of ANBC as of September 2026. Agricultural Advances achieved 19.32% of ANBC.
Advances to Small and Marginal Farmers achieved 13.84% of ANBC in September 2026, against the regulatory norm of 10%.
Advances to Weaker Sections achieved 17.51% of ANBC in September 2026, against the regulatory norm of 12%.

Financial Inclusion
The Bank opened 7.07 lakh new PMJDY accounts during H1 FY27.

Digital Banking
Internet Banking (Omni Neo) users increased to over 1.11 crore as of September 2026.
Mobile Banking (Omni Neo) users increased to over 1.49 crore as of September 2026.
Digital transactions increased by 25% YoY to 2.21 billion in September 2026.

Branch Network
The Bank had a total of 38,566 Customer Touch Points as of 30 September 2026.
The Bank had 5,611 domestic branches, comprising:
Rural: 1,943 (35%)
Semi-Urban: 1,660 (30%)
Urban: 956 (17%)
Metro: 1,052 (18%)