Global advances growth of 15-16% YoY
Management maintains its FY27 guidance for global advances to grow at 15-16% YoY, building on the 18.84% growth achieved in Q1. Focus remains on RAM and mid-corporate segments.
BANKINDIA / guidance tracker
Keep management guidance in view.
Bank of India · forward-looking guidance across the available source record.
Research layer active
Guidance tracker
What management said would happen.
growth
Global deposits growth of 13-14% YoY
Deposit growth guidance of 13-14% YoY remains unchanged, supported by FCNRB inflows, bulk deposit campaigns in the Rs 3-25 crore bucket, and international NRI deposits.
NIM guidance of 2.55-2.60% for FY27
Despite Q1 NIM at 2.52%, management guides for 2.55-2.60% NIM for the full year, expecting cost of deposits to decline with FCNR inflows (6.25-6.50% rates with 50bps clean spread) and yield improvement from MCLR-linked and mid-corporate book growth.
Maintain ROA above 1% on consistent basis
ROA reached 1% in Q1 and 1.01% in Q4 FY26; management targets maintaining ROA above 1% quarter-on-quarter through FY27, supported by operating profit growth and cost discipline.
Global advances growth of 13-14% for FY26
Management guided global advances growth at 13-14% for FY26, supported by a corporate pipeline of ₹65,000 crore.
Global deposits growth of 11-12% for FY26
Management guided global deposits growth at 11-12% for FY26, with focus on low-cost deposits.
NIM to be maintained around 2.50% for FY26, Q4 around 2.60%
Management expects full-year NIM around 2.50% and Q4 NIM around 2.60%.
Branch expansion of 200 branches per year for FY26 and FY27
Board approved opening 200 branches in FY26 and another 200 in FY27, totaling 600 branches over three years.