Bank of India Q2 FY27 standalone total income Rs 23,998.73 cr; PAT Rs 3,202.38 cr

What the numbers show

• Net margin was 13.34% of revenue, up 95 bps from 12.39%.
• Revenue rose 16.4% while total expenses rose 14.6%.
• Finance costs accounted for Rs 1,729.34 cr of the Rs 2,404.62 cr rise in total expenses (71%).
• Finance costs took 59.3% of revenue, against 60.6% a year earlier.

• Basis: Standalone statement of financial results, quarter ended 30.09.2026 vs quarter ended 30.09.2025.

• Total income (3): • Current (30.09.2026): Rs 23,998.73 cr
• Prior (30.09.2025): Rs 20,625.92 cr

• Interest earned – total (1): • Current: Rs 21,228.87 cr
• Prior: Rs 18,406.09 cr

• Other income (2): • Current: Rs 2,769.86 cr
• Prior: Rs 2,219.83 cr

• Interest expended (4): • Current: Rs 14,221.66 cr
• Prior: Rs 12,492.32 cr

• Operating expenses – total (5): • Current: Rs 4,688.03 cr
• Prior: Rs 4,312.75 cr

• Employees cost (5e): • Current: Rs 2,667.19 cr
• Prior: Rs 2,452.32 cr

• Other operating expenses (5f): • Current: Rs 2,020.84 cr
• Prior: Rs 1,860.43 cr

• Total expenses (4+5) excluding provisions and contingencies (6): • Current: Rs 18,909.69 cr
• Prior: Rs 16,505.07 cr

• Operating profit – profit before provisions and contingencies (7): • Current: Rs 5,089.04 cr
• Prior: Rs 3,820.85 cr

• Provisions (other than tax) and contingencies (8): • Current: Rs 797.43 cr
• Prior: Rs 441.24 cr

• Profit from ordinary activities before tax – PBT (10): • Current: Rs 4,291.61 cr
• Prior: Rs 3,379.61 cr

• Tax expense (11): • Current: Rs 1,089.23 cr
• Prior: Rs 825.04 cr

• Net profit for the period – PAT (14): • Current: Rs 3,202.38 cr
• Prior: Rs 2,554.57 cr

• Paid-up equity share capital (15): • Current: Rs 4,553.41 cr
• Prior: Rs 4,553.41 cr

• Basic EPS (standalone, 17(iii)(a)): • Current (quarter ended 30.09.2026): 7.03
• Prior (quarter ended 30.09.2025): 5.61

For Q2 FY27 (quarter ended 30.09.2026), Bank of India’s standalone total income, as per the statement of financial results, increased to Rs 23,998.73 cr from Rs 20,625.92 cr in the corresponding quarter ended 30.09.2025. Interest earned rose to Rs 21,228.87 cr from Rs 18,406.09 cr, while other income moved to Rs 2,769.86 cr from Rs 2,219.83 cr over the same period.

Total expenses excluding provisions and contingencies (interest expended plus operating expenses) went up to Rs 18,909.69 cr from Rs 16,505.07 cr. Within this, interest expended increased to Rs 14,221.66 cr from Rs 12,492.32 cr, employees cost to Rs 2,667.19 cr from Rs 2,452.32 cr, and other operating expenses to Rs 2,020.84 cr from Rs 1,860.43 cr.

Operating profit (profit before provisions and contingencies) for the quarter rose to Rs 5,089.04 cr from Rs 3,820.85 cr. Provisions (other than tax) and contingencies were higher at Rs 797.43 cr versus Rs 441.24 cr in the year-ago quarter. Profit from ordinary activities before tax (PBT) increased to Rs 4,291.61 cr from Rs 3,379.61 cr.

After a tax expense of Rs 1,089.23 cr (vs Rs 825.04 cr a year earlier), net profit for the period (PAT) on a standalone basis stood at Rs 3,202.38 cr, compared with Rs 2,554.57 cr in the corresponding quarter of the previous year. The paid-up equity share capital remained at Rs 4,553.41 cr. Basic earnings per share for the quarter, as disclosed under analytical ratios, was 7.03 against 5.61 in the same quarter last year.