	C 2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31	TTM Jun 30
	C 2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31	TTM Jun 30
Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M IR
Net Interest & Dividend Income	8,426	9,167	11,000	11,512	11,864	12,013	10,641	13,809	15,414	14,455	14,213	20,512	23,330	24,744	25,503	26,269
Non-Interest Revenue	2,281	2,374	2,955	3,250	2,840	5,824	4,196	2,183	3,471	5,563	5,538	2,656	3,010	4,170	4,910	-
Total Revenue	10,707	11,541	13,955	14,762	14,704	17,837	14,838	15,993	18,885	20,018	19,751	23,168	26,340	28,914	30,413	26,269
Total Operating Expenses	7,122	8,524	10,316	12,961	22,411	20,129	22,082	24,016	23,160	15,932	13,705	17,570	16,018	17,000	16,116	10,988
Operating Profit	3,585	3,017	3,640	1,801	-7,707	-2,291	-7,244	-8,023	-4,275	4,086	6,046	5,598	10,322	11,914	14,297	15,281
Operating Margin	33.5	26.1	26.1	12.2	-52.4	-12.8	-48.8	-50.2	-22.6	20.4	30.6	24.2	39.2	41.2	47.0	58.2
Profit before Taxes	3,586	3,017	3,567	1,852	-8,058	-2,412	-8,660	-8,658	-4,570	3,278	5,574	6,099	10,193	12,558	13,553	15,281
Income Taxes	911	276	834	103	-1,723	-818	-2,587	-3,161	-1,640	1,079	2,168	2,217	3,809	3,219	3,463	3,817
Profit after Tax	2,725	2,820	2,987	2,013	-6,204	-1,470	-5,961	-5,427	-3,051	2,083	3,493	3,838	6,564	9,548	10,306	11,779
PAT Margin	25.4	24.4	21.4	13.6	-42.2	-8.2	-40.2	-33.9	-16.2	10.4	17.7	16.6	24.9	33.0	33.9	44.8
EPS - Basic - ex Extraordinary Items	49.85	49.01	48.96	31.30	-84.58	-14.83	-51.83	-29.14	-9.39	6.36	9.06	9.35	15.48	20.97	22.64	25.87
EPS - Diluted - ex Extraordinary Items	49.85	49.01	48.96	31.30	-84.58	-14.83	-51.83	-29.14	-9.39	6.35	9.06	9.35	15.48	20.97	22.64	25.87
EBIT	3,585	3,017	3,640	1,801	-7,707	-2,291	-7,244	-8,023	-4,275	4,086	6,046	5,598	10,322	11,914	14,297	15,281
EBITDA	3,760	3,206	3,874	2,092	-7,417	-2,291	-6,722	-7,650	-3,883	4,466	6,418	6,024	10,831	12,517	15,028	15,281
EBITDA Margin	35.1	27.8	27.8	14.2	-50.4	-12.8	-45.3	-47.8	-20.6	22.3	32.5	26.0	41.1	43.3	49.4	58.2

Balance Sheet

Abridged

Understanding Balance Sheet

Bank Of India balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31
	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31
Source:	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR
Cash & ST Balance with Banks	35,464	55,377	61,656	63,112	77,659	60,006	67,830	74,858	65,947	1,11,239	82,954	71,580	66,599	78,081	73,421
Lending & LT Balance with Banks	-	-	105	13,827	21,846	36,459	28,194	20,002	20,662	15,455	8,754	13,103	16,524	22,756	26,168
Property Plant & Equipment - Net	2,800	2,901	5,820	5,914	8,573	8,546	8,350	8,999	9,058	9,001	9,856	10,061	10,328	12,047	11,877
Total Assets	3,87,589	4,56,407	5,78,155	6,25,285	6,16,629	6,32,026	6,15,184	6,30,884	6,63,019	7,32,790	7,43,131	8,26,036	9,24,280	10,56,425	11,79,552
Deposits - Total	3,19,413	3,83,131	4,78,695	5,34,482	5,15,722	5,42,352	5,22,997	5,22,555	5,57,386	6,29,098	6,29,981	6,72,194	7,40,611	8,19,806	9,30,973
Long Term Debt	32,119	35,369	48,428	40,099	51,103	39,491	43,598	44,265	39,752	32,464	26,821	65,015	80,960	1,23,869	1,18,626
Total Liabilities	3,66,112	4,31,862	5,47,297	5,92,594	5,83,186	5,98,316	5,78,269	5,83,070	6,17,794	6,82,651	6,86,480	7,65,446	8,53,538	9,75,538	10,89,415
Total Shareholders' Equity	21,414	24,471	30,774	32,523	33,346	33,629	36,756	47,652	45,073	49,980	56,522	60,433	70,581	80,726	89,959
Minority Interest	63	73	84	168	98	81	159	162	151	159	129	157	161	162	178
Total Equity	21,477	24,544	30,858	32,691	33,444	33,710	36,916	47,814	45,225	50,140	56,651	60,589	70,742	80,887	90,137
Total Liabilities & Equity	3,87,589	4,56,407	5,78,155	6,25,285	6,16,629	6,32,026	6,15,184	6,30,884	6,63,019	7,32,790	7,43,131	8,26,036	9,24,280	10,56,425	11,79,552

Cash Flow

Abridged

Understanding Cash Flow Statement

Bank Of India cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31
	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31
Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR
Operating CF bef Changes in Working Cap	-28,495	6,135	8,873	7,190	6,440	10,750	6,065	5,143	11,255	12,177	10,511	12,507	16,383	16,900	17,637
Working Capital - Increase/(Decrease)	16,221	10,604	-14,616	16,478	2,083	-4,829	-19,846	-22,431	-14,726	32,400	-41,743	-56,923	-37,045	-40,046	-11,562
Net CF from Operating Activities	-12,274	16,739	-5,744	23,667	8,523	5,921	-13,781	-17,289	-3,471	44,577	-31,232	-44,415	-20,662	-23,147	6,075
Capital Expenditures - Net	559	343	593	572	496	286	254	-128	357	330	548	524	827	673	845
Net CF from Investing Activities	-648	-419	-859	-802	-625	-405	-267	60	-246	-204	-660	-543	-1,005	-885	-358
Dividends Paid - Cash - Total	444	466	1,073	-	400	-	-	-	-	-	-	821	821	1,275	1,844
Stock - Issuance/(Retirement) - Net	1,037	809	1,000	642	2,759	2,638	11,223	10,760	4,617	-	2,550	559	4,982	111	123
Debt - LT & ST - Issuance/(Retirement) - Total	10,098	3,250	13,058	-8,329	11,005	-11,612	4,107	667	-4,513	-7,288	-5,643	38,194	15,945	42,909	-5,244
Net Cash Flow from Financing Activities	10,691	3,593	12,985	-7,687	14,668	-8,556	13,608	16,065	-4,534	-4,288	-3,093	37,932	20,107	41,746	-6,964
Free Cash Flow to Equity	-2,736	19,646	6,721	14,766	19,032	-5,977	-9,928	-16,494	-8,341	36,958	-37,424	-6,745	-5,544	19,089	-14
Free Operating CF net dividend	-13,358	15,884	-7,451	21,942	7,584	5,406	-14,124	-17,586	-4,433	44,228	-31,804	-45,859	-22,334	-25,144	3,341
Free Operating CF	-12,914	16,350	-6,378	21,942	7,984	5,406	-14,124	-17,586	-4,433	44,228	-31,804	-45,038	-21,513	-23,870	5,184

Business Segment Analysis

FY End:

Mar 26

Bank Of India business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Revenue / Sales

Other Retail Banking (38.1%)₹ 32,910.13 CrWholesale Banking Operations (34.2%)₹ 29,533.63 CrTreasury Operation (26.9%)₹ 23,231.75 CrUnallocated (0.9%)₹ 772.62 CrDigital Banking (0.0%)₹ 0.62 Cr

Assets

Wholesale Banking Operations (36.6%)₹ 4,31,692.12 CrTreasury Operation (31.2%)₹ 3,67,527.81 CrOther Retail Banking (28.9%)₹ 3,40,924.36 CrUnallocated (3.3%)₹ 39,396.20 CrDigital Banking (0.0%)₹ 11.10 Cr

Regional Segment Analysis

FY End:

Mar 26

Bank Of India geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

Revenue / Sales

Domestic (88.1%)₹ 75,475.29 CrInternational. (11.9%)₹ 10,174.27 Cr

Assets

Domestic (85.0%)₹ 10,03,033.52 CrInternational. (15.0%)₹ 1,76,518.07 Cr

Historical Segment Analysis

Track how Bank Of India segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Sales

Assets

Operating Income

Business

Regional

Business

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Frequently Asked Questions

What is the revenue of Bank Of India?

The latest trailing twelve month revenue of Bank Of India is ₹ 36,709.70 Cr, reflecting a 1-year growth of 6.45% and a 3-year CAGR of 7.12%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of Bank Of India?

The latest trailing twelve month net profit (PAT) of Bank Of India is ₹ 11,779.30 Cr, with a 3-year earnings CAGR of 32.20%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of Bank Of India?

The trailing twelve month EBITDA of Bank Of India is approximately ₹ 15,280.56 Cr (based on an operating margin of 41.63%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of Bank Of India?

The trailing twelve month Earnings Per Share (EPS) of Bank Of India is 25.87. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of Bank Of India?

The debt-to-equity ratio of Bank Of India stands at 1.27. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of Bank Of India?

The estimated book value per share of Bank Of India is 201.00 (derived from a P/B ratio of 0.71 and market price of ₹ 142.81), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of Bank Of India?

The trailing twelve month operating cash flow of Bank Of India is ₹ 6,074.58 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does Bank Of India report consolidated or standalone financials?

Bank Of India reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.