Arthneeti
BO

Bank of India

Q4 FY25Banks

Bank of India Q4 FY25 earnings call: Revenue & Margins

Q4 FY25 earnings call: what management guided on revenue, margins and order book.

Price₹143
Market cap₹65.0K Cr
P/E5.5
Updated23 Aug 2026
Read4 min read

The short version

The Bank of India expects global credit growth of around 12% to 13% in FY26. Global advances growth guidance for FY26 is around 12% to 13%.

From Bank of India's Q4 FY25 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

  • The Bank of India expects global credit growth of around 12% to 13% in FY26.
  • Corporate credit growth is targeted at double digits, focusing on emerging sectors like data centers, warehousing, solar PV, renewable energy, battery manufacturing, and electric vehicles.
  • The bank plans to grow its retail, agriculture, and MSME (RAM) advances, aiming for double-digit growth, with RAM advances already growing at 18.37% YoY.
  • CASA balances are targeted to be maintained at around 40% in FY26 to support low-cost deposits.
  • The bank is expanding the Emerging Corporate Credit Branches (20 branches) to capture more mid-corporate business with better margins.
  • Non-interest income and recoveries are a key strategic focus to boost profitability amid margin pressures.

2 more points from Bank of India's call on revenue

Pro opens every point from 15K+ earnings calls

Profitability & Margins

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

Capital Expenditure Plans

  • The bank is investing heavily in technology, with an annual spend of nearly Rs. 2,000 crore.
  • Around 80% to 85% of this investment is allocated to IT hardware, software, digitalization, and cybersecurity.
  • Investments include developing digital platforms, enhancing cyber protection for customers, and upgrading CBS and mobile banking applications.
  • A Cybersecurity Centre of Excellence and a 24x7 Resiliency Operating Centre (ROC) have been established for improved cyber resilience and quick recovery from disruptions.

2 more points from Bank of India's call on capex

Pro opens every point from 15K+ earnings calls

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
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

  • As of March 31, 2025, the Bank of India reported a pipeline (orderbook) of around Rs. 74,000 crore, which includes both corporate and RAM (Retail, Agriculture, MSME) Advances.
  • Out of this, the RAM Advances pipeline is about Rs. 12,000 crore.
  • The corporate loan book pipeline is significant, with the Bank confident of achieving double-digit growth in this segment in FY26.

2 more points from Bank of India's call on order book

Pro opens every point from 15K+ earnings calls

Continue your research

What Bank of India's management said in earlier quarters

Others in Banks this season

  • T N Merc. Bank (Q4 FY25)

    Capital adequacy ratio at a comfortable 32.71%. Key concall takeaways from T N Merc. Bank's Q4 FY25 earnings call — and how it ranks against sector peers.

  • Bank of Maha (Q4 FY25)

    Total business grew 15.30% YoY to INR5,47,000 crore; deposits up 13.44%, advances up 17.76%. Key concall takeaways from Bank of Maha's Q4 FY25 earnings call…

  • Bandhan Bank (Q4 FY25)

    Retail term deposits showed strong 30% YoY growth; total retail deposits grew 11% YoY. Key concall takeaways from Bandhan Bank Ltd's Q4 FY25 earnings call…

  • IDFC First Bank (Q4 FY25)

    Operating expense growth is guided at a controlled 12-13% year-on-year over the next 2 years, supporting operating leverage (Pages 9, 22, 24). Key concall…

Compare:vs HDFC Bankvs ICICI Bankvs SBI

🔎 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 →

Arthneeti Pro · Annual

Bank of India and 15K+ more earnings calls,
for less than your morning chai

a day

Every earnings call, ranking and concall Q&A across all four results seasons.

Secure Razorpay payment · instant access

Frequently Asked Questions

What were Bank of India Q4 FY25 results?

The Bank of India expects global credit growth of around 12% to 13% in FY26. Global advances growth guidance for FY26 is around 12% to 13%.

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 ₹65,008 Cr. Investors should review the full earnings analysis for detailed insights.

Is Bank of India planning capital expenditure?

The bank is investing heavily in technology, with an annual spend of nearly Rs.

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 the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.