Bank of India Stock Price - ₹145.00 | Banks

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The Quarter story

The two most recent quarterly results, compared side-by-side.

Bank of India improves asset quality and capital strength as retail lending grows, but faces margin pressure from falling yields and a declining CASA ratio.

Gross NPA ratio fell from 2.92% to 1.81% from Q1 FY26 to Q1 FY27 — lower credit risk across the loan book

CASA ratio fell from 39.88% to 36.68% from Q1 FY26 to Q1 FY27 — higher funding costs as cheap deposits shrink

Capital adequacy ratio rose from 17.39% to 18.69% over five quarters — stronger regulatory buffer for future lending

Yield on advances declined from 8.01% to 7.46% over five quarters — tighter pricing pressure on new loans

Retail advances grew from ₹1,37,782 Cr to ₹1,66,170 Cr from Q1 FY26 to Q1 FY27 — steady demand for home and auto loans

Retail fresh slippages spiked from ₹126 Cr in Q3 FY26 to ₹320 Cr in Q1 FY27 — renewed stress in consumer credit

Cost to income ratio dropped from 51.31% to 46.33% across the period — leaner operations and better expense control

Unrated corporate advances rose from 0.58% to 8.40% from Q1 FY26 to Q1 FY27 — growing exposure to unassessed borrowers

Return on equity climbed from 13.55% to 16.12% from Q1 FY26 to Q1 FY27 — improved profitability for shareholders

SMA-1 ratio increased from 0.08% to 0.36% from Q3 FY26 to Q1 FY27 — early warning signs of potential loan defaults

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In the news

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