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Bank of India Q2 FY26 earnings call: Revenue & Margins

Q2 FY26 earnings call: what management guided on revenue, margins and order book.

Price₹143
Market cap₹64.2K Cr
P/E5.5
Updated23 Aug 2026
Read4 min read

The short version

The bank expects credit growth of around 13%-14% for FY26, a conservative estimate considering geopolitical uncertainties. Net Profit for half year ended September 2025 increased by over 18% YoY to Rs.

From Bank of India's Q2 FY26 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

  • The bank expects credit growth of around 13%-14% for FY26, a conservative estimate considering geopolitical uncertainties.
  • There is a healthy loan pipeline exceeding Rs. 70,000 crore globally, with over Rs. 50,000 crore from corporate credit and around Rs. 20,000 crore from the RAM (Retail, Agriculture, MSME) segment.
  • Double-digit growth has already been seen in corporate loans and nearly 19% growth in the RAM segment on a year-on-year basis.
  • Domestic gross advances grew by 14.73% YoY, with RAM advances rising 17.02%.
  • Digital initiatives expanding the retail, agriculture, and MSME loan book, with around Rs. 1,20,000 crore in digital loans, contributing to growth.

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Profitability & Margins

See what Bank of India said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

  • No plans or Board approval for raising fresh equity capital in FY26 as of now (Page 8).
  • Approved IT expenditure budget for FY26 is approximately Rs. 2,000 crore (Page 8).
  • IT expenditure covers technology transformation including digital initiatives and cybersecurity (Page 8).

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Top-ranked in Banks

Ranked on what management guided this quarter

Guidance-ranked
1Canara Bank
Rev 2Mar 3
2AU Small Finance
Rev 2Mar 3
3
Rev 2Mar 3
4
Rev 2Mar 3
5
Rev 2Mar 3
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

See what Bank of India said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The transcript of Bank of India's Q2 FY26 earnings call does not provide information regarding the current or expected order book or pending orders. The discussion primarily focuses on: - Financial performance, including advances, deposits, NIM, credit cost, recoveries targets. - Gold loan book and agriculture loan LTVs. - MSME stress and SMA numbers. - IT expenditure and equity capital plans. - Changes in deposit rates, MCLR book, NBFC lending yields.

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What Bank of India's management said in earlier quarters

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Frequently Asked Questions

What were Bank of India Q2 FY26 results?

The bank expects credit growth of around 13%-14% for FY26, a conservative estimate considering geopolitical uncertainties. Net Profit for half year ended September 2025 increased by over 18% YoY to Rs.

What is Bank of India share price analysis?

Bank of India currently shows a neutral. The stock trades at a P/E of 5.5 with a market cap of ₹64,193 Cr. Investors should review the full earnings analysis for detailed insights.

Is Bank of India planning capital expenditure?

No plans or Board approval for raising fresh equity capital in FY26 as of now (Page 8). - Approved IT expenditure budget for FY26 is approximately Rs.

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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.