Bank of India Management Guidance Tracker
8 forward-looking guidance items tracked across 2 quarters.
Growth
Q3 FY26Global advances growth of 13-14% for FY26Active
Management guided global advances growth at 13-14% for FY26, supported by a corporate pipeline of ₹65,000 crore.
Q3 FY26Global deposits growth of 11-12% for FY26ActiveManagement guided global deposits growth at 11-12% for FY26, with focus on low-cost deposits.
Q4 FY26Credit growth guidance of 15-16% for FY27ActiveGlobal advances expected to grow 15-16% in FY27, driven by RAM and mid-corporate segments.
Q4 FY26Deposit growth guidance of 13-14% for FY27ActiveGlobal deposits targeted to grow 13-14% in FY27, with focus on CASA and retail term deposits.
Margins
Q3 FY26NIM to be maintained around 2.50% for FY26, Q4 around 2.60%Active
Management expects full-year NIM around 2.50% and Q4 NIM around 2.60%.
Q4 FY26Domestic NIM target of ~3% by March 2027TrackedManagement aims to improve domestic NIM from 2.78% to near 3% by end of FY27 through better yield and lower cost of deposits.
Q4 FY26ROA target of 1% for FY27TrackedBank expects to achieve ROA of 1% for the full year FY27, up from 0.93% in FY26.