Arthneeti
BO

Bank of India

Q3 FY26Banks

Bank of India Q3 FY26 Results & Concall Highlights: Revenue, Margins & Order Book

Q3 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

Global business growth around 12% YoY, with credit growth over 13% YoY. Bank of India has shown balanced growth with global business up 12.54% YoY and credit growth at 13%+ YoY. - Domestic credit growth is strong at 15%+, with RAM advances growing 18%, retail 20%, agriculture 16%, and MSME 15%. - The corporate credit pipeline stands at around Rs.

From Bank of India's Q3 FY26 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

  • Global business growth around 12% YoY, with credit growth over 13% YoY.
  • Domestic credit growth over 15%, driven by RAM advances growing 18% (Retail 20%, Agriculture 16%, MSME 15%).
  • Corporate book growth at double digits (~11%) despite challenging conditions.
  • Q4 & Q1 FY27 pipeline robust, with Rs. 80,000 crore credit pipeline (Rs. 65,000 crore corporate).
  • Board-approved branch expansion: ~600 new branches over FY25-27 to boost reach.
  • RAM book expected to grow to 65% of credit by 2031, targeting Rs. 31 lakh crore in total business by then.
  • International advances targeted at 15-16% of global advances by 2031, with cautious approach due to geopolitical factors.
  • Digital and automation initiatives to enhance operational efficiency and customer experience.
  • Profitability expected to reach around Rs. 10,000 crore in FY26, supporting growth without impacting CRAR.

Profitability & Margins

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

Capital Expenditure Plans

  • The bank is investing significantly in IT, with nearly 10% of total operating expenses going towards IT Opex, plus additional IT Capex.
  • Focus on digital transformation projects including loan and liability journeys, wealth management, automation in credit sanctions, monitoring, and controls.
  • Project Star Aditya is underway, focusing on data lake, artificial intelligence, machine learning, and generative AI for business leads, underwriting, transaction monitoring, and early warning systems.
  • Automation initiatives have saved around 50,000 man-hours in nine months, emphasizing efficiency improvements in back-office activities.
  • Management is committed to enhancing customer experience via digital journeys as well as strengthening cybersecurity infrastructure.
  • Board-approved branch expansion includes opening 200 branches annually for FY25, FY26, and FY27, totaling 600 new branches over three years, pan-India with no specific geographic bias.

Top-ranked in Banks

Ranked on what management guided this quarter

5x potential
1IDFC First Bank
Rev 2Mar 3
2Bank of Maha
Rev 2Mar 3
3
Rev 2Mar 3
4
Rev 2Mar 3
5
Rev 2Mar 3
Sign up free to see 3 moreTakes 30 seconds · no cardSign up

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 bank has a credit pipeline of nearly Rs. 80,000 crore.
  • Out of this, the corporate pipeline is around Rs. 65,000 crore.
  • The Rs. 65,000 crore corporate pipeline includes in-principle approvals and sanctions yet to enter the documentation stage.
  • This pipeline is expected to aid credit growth in Q4 FY26 and Q1 of the next financial year.
  • The bank is confident of better growth numbers in the next financial year based on this orderbook.

Continue your research

What Bank of India's management said in earlier quarters

Others in Banks this season

  • Fino Payments Bank Ltd (Q3 FY26)

    10,000 crore by FY 2030. Key concall takeaways from Fino Payments Bank Ltd's Q3 FY26 earnings call — and how it ranks against sector peers.

  • State Bank of India (Q3 FY26)

    7.86 lakh crores, with Rs. Key concall takeaways from SBI's Q3 FY26 earnings call — and how it ranks against sector peers.

  • Central Bank of India (Q3 FY26)

    Credit growth is strong with 19.48% YoY increase in gross advances, driven by broad-based demand across sectors. Key concall takeaways from Central Bank's Q3…

  • Indian Overseas Bank (Q3 FY26)

    Indian Overseas Bank (IOB) has demonstrated a strong growth trajectory with business growth of 18% and credit growth of 24% year-on-year as of Q3 FY26. Key…

Compare:vs HDFC Bank Ltdvs ICICI Bank Ltdvs State Bank of India

🔎 Who's planning the most growth?

Companies ranked by management's own guidance — revenue, margins, capex and order book, from every earnings call in India.

See rankings →

Frequently Asked Questions

What were Bank of India Q3 FY26 results?

Global business growth around 12% YoY, with credit growth over 13% YoY. Bank of India has shown balanced growth with global business up 12.54% YoY and credit growth at 13%+ YoY. - Domestic credit growth is strong at 15%+, with RAM advances growing 18%, retail 20%, agriculture 16%, and MSME 15%. - The corporate credit pipeline stands at around 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?

The bank is investing significantly in IT, with nearly 10% of total operating expenses going towards IT Opex, plus additional IT Capex.

Keep Bank of India on your radar — track it to get its next earnings analysis in your feed.

This analysis is AI-generated based on publicly available earnings data and concall transcripts. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.