- ICRA assigned AA+ (Stable) issuer rating to Bank of India (scrip code BANKINDIA, 532149) and reaffirmed the same rating on its Basel‑III Tier II bonds (ISIN INE084A08227).
- FY 2026 total income rose to ₹ 33,373 cr (up from ₹ 31,515 cr) and profit after tax climbed to ₹ 10,527 cr, while CET I improved to 15.05 % and CRAR to 18.01 %.
- Asset quality sharpened: gross NPA fell to 1.98 % and net NPA to 0.56 %, though the vulnerable book (SMA‑1/2 + restructured) remains sizable.
- Liquidity stays robust with LCR at 116.33 % and NSFR at 125.30 % in Q4 FY 2026, backed by a 5,511‑branch retail deposit franchise (CASA 37.64 % of total deposits).
- Outlook highlights upside if ROA reaches ≈ 1 % in FY 2027, but flags risks from sovereign‑ownership changes, NNPA breaching 2.5 %, or ROA falling below 0.5 %.
Bank of India’s AA+ rating reaffirmation is likely to lift the stock modestly as investors reward the strong capital and asset quality, but the gain will be limited by a weak broader market and modest profit outlook. Expect a small upside in the near term with the effect fading over weeks.
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Forecast from comparable, historic events. Not investment advice.
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