Bank of India — Q2FY27 earnings call summary

Filed 30 October 2026 · Official transcript

FY27 guidance: global advances growth 15-16%, deposits growth 16-17%
AI initiatives underway with Data Lake project supporting Rs. 21,000 crore in analytics-led leads
Repo hike passed on immediately; NIM expected to improve 6-7 bps in coming quarters
Global business grew 21.13% YoY to Rs. 18.92 lakh crore in Sept'26
Operating profit up 33.18% YoY to Rs. 5,089 crore; net profit rose 25.32% YoY to Rs. 3,202 crore
Global NIM at 2.47% vs 2.41% YoY; CASA ratio at 34.16%
Asset quality improved: Gross NPA 1.60%, Net NPA 0.42%, PCR 94.45%
Credit pipeline strong at Rs. 86,000 crore including corporate, RAM, digital lending