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Bank of India
NSE: BANKINDIA · Model build Since listing
Analyst
S. Rahman
Status
drafting
Model reviewer
BANKINDIA_Financial_Model_2026-08-31.xlsx · 292 editable inputs · recalculated 2026-09-01 07:44:07
Assumptions blue workbook inputs
Investments as % of deposits - FY2008N31
Cash and balances with RBI as % of deposits - FY2008N32
Overseas deposits as % of total deposits - FY2008N34
Bull - FY2027D8
Bull - FY2028E8
Bull - FY2029F8
Bull - FY2030G8
Bull - FY2031H8
Base - FY2027D9
Base - FY2028E9
Base - FY2029F9
Base - FY2030G9
Base - FY2031H9
Bear - FY2027D10
Bear - FY2028E10
Bear - FY2029F10
Bear - FY2030G10
Bear - FY2031H10
Bull - FY2027D12
Bull - FY2028E12
Bull - FY2029F12
Bull - FY2030G12
Bull - FY2031H12
Base - FY2027D13
Base - FY2028E13
Base - FY2029F13
Base - FY2030G13
Base - FY2031H13
Bear - FY2027D14
Bear - FY2028E14
Bear - FY2029F14
Bear - FY2030G14
Bear - FY2031H14
Bull - FY2027D16
Bull - FY2028E16
Bull - FY2029F16
Bull - FY2030G16
Bull - FY2031H16
Base - FY2027D17
Base - FY2028E17
Base - FY2029F17
Base - FY2030G17
Base - FY2031H17
Bear - FY2027D18
Bear - FY2028E18
Bear - FY2029F18
Bear - FY2030G18
Bear - FY2031H18
Bull - FY2027D20
Bull - FY2028E20
Bull - FY2029F20
Bull - FY2030G20
Bull - FY2031H20
Base - FY2027D21
Base - FY2028E21
Base - FY2029F21
Base - FY2030G21
Base - FY2031H21
Bear - FY2027D22
Bear - FY2028E22
Bear - FY2029F22
Bear - FY2030G22
Bear - FY2031H22
Bull - FY2027D24
Bull - FY2028E24
Bull - FY2029F24
Bull - FY2030G24
Bull - FY2031H24
Base - FY2027D25
Base - FY2028E25
Base - FY2029F25
Base - FY2030G25
Base - FY2031H25
Bear - FY2027D26
Bear - FY2028E26
Bear - FY2029F26
Bear - FY2030G26
Bear - FY2031H26
Bull - FY2027D28
Bull - FY2028E28
Bull - FY2029F28
Bull - FY2030G28
Bull - FY2031H28
Base - FY2027D29
Base - FY2028E29
Base - FY2029F29
Base - FY2030G29
Base - FY2031H29
Bear - FY2027D30
Bear - FY2028E30
Bear - FY2029F30
Bear - FY2030G30
Bear - FY2031H30
Bull - FY2027D32
Bull - FY2028E32
Bull - FY2029F32
Bull - FY2030G32
Bull - FY2031H32
Base - FY2027D33
Base - FY2028E33
Base - FY2029F33
Base - FY2030G33
Base - FY2031H33
Bear - FY2027D34
Bear - FY2028E34
Bear - FY2029F34
Bear - FY2030G34
Bear - FY2031H34
Bull - FY2027D36
Bull - FY2028E36
Bull - FY2029F36
Bull - FY2030G36
Bull - FY2031H36
Base - FY2027D37
Base - FY2028E37
Base - FY2029F37
Base - FY2030G37
Base - FY2031H37
Bear - FY2027D38
Bear - FY2028E38
Bear - FY2029F38
Bear - FY2030G38
Bear - FY2031H38
Bull - FY2027D40
Bull - FY2028E40
Bull - FY2029F40
Bull - FY2030G40
Bull - FY2031H40
Base - FY2027D41
Base - FY2028E41
Base - FY2029F41
Base - FY2030G41
Base - FY2031H41
Bear - FY2027D42
Bear - FY2028E42
Bear - FY2029F42
Bear - FY2030G42
Bear - FY2031H42
Bull - FY2027D44
Bull - FY2028E44
Bull - FY2029F44
Bull - FY2030G44
Bull - FY2031H44
Base - FY2027D45
Base - FY2028E45
Base - FY2029F45
Base - FY2030G45
Base - FY2031H45
Bear - FY2027D46
Bear - FY2028E46
Bear - FY2029F46
Bear - FY2030G46
Bear - FY2031H46
Bull - FY2027D48
Bull - FY2028E48
Bull - FY2029F48
Bull - FY2030G48
Bull - FY2031H48
Base - FY2027D49
Base - FY2028E49
Base - FY2029F49
Base - FY2030G49
Base - FY2031H49
Bear - FY2027D50
Bear - FY2028E50
Bear - FY2029F50
Bear - FY2030G50
Bear - FY2031H50
Bull - FY2027D52
Bull - FY2028E52
Bull - FY2029F52
Bull - FY2030G52
Bull - FY2031H52
Base - FY2027D53
Base - FY2028E53
Base - FY2029F53
Base - FY2030G53
Base - FY2031H53
Bear - FY2027D54
Bear - FY2028E54
Bear - FY2029F54
Bear - FY2030G54
Bear - FY2031H54
Bull - FY2027D56
Bull - FY2028E56
Bull - FY2029F56
Bull - FY2030G56
Bull - FY2031H56
Base - FY2027D57
Base - FY2028E57
Base - FY2029F57
Base - FY2030G57
Base - FY2031H57
Bear - FY2027D58
Bear - FY2028E58
Bear - FY2029F58
Bear - FY2030G58
Bear - FY2031H58
Bull - FY2027D60
Bull - FY2028E60
Bull - FY2029F60
Bull - FY2030G60
Bull - FY2031H60
Base - FY2027D61
Base - FY2028E61
Base - FY2029F61
Base - FY2030G61
Base - FY2031H61
Bear - FY2027D62
Bear - FY2028E62
Bear - FY2029F62
Bear - FY2030G62
Bear - FY2031H62
Bull - FY2027D64
Bull - FY2028E64
Bull - FY2029F64
Bull - FY2030G64
Bull - FY2031H64
Base - FY2027D65
Base - FY2028E65
Base - FY2029F65
Base - FY2030G65
Base - FY2031H65
Bear - FY2027D66
Bear - FY2028E66
Bear - FY2029F66
Bear - FY2030G66
Bear - FY2031H66
Bull - FY2027D68
Bull - FY2028E68
Bull - FY2029F68
Bull - FY2030G68
Bull - FY2031H68
Base - FY2027D69
Base - FY2028E69
Base - FY2029F69
Base - FY2030G69
Base - FY2031H69
Bear - FY2027D70
Bear - FY2028E70
Bear - FY2029F70
Bear - FY2030G70
Bear - FY2031H70
Bull - FY2027D72
Bull - FY2028E72
Bull - FY2029F72
Bull - FY2030G72
Bull - FY2031H72
Base - FY2027D73
Base - FY2028E73
Base - FY2029F73
Base - FY2030G73
Base - FY2031H73
Bear - FY2027D74
Bear - FY2028E74
Bear - FY2029F74
Bear - FY2030G74
Bear - FY2031H74
Bull - FY2027D76
Bull - FY2028E76
Bull - FY2029F76
Bull - FY2030G76
Bull - FY2031H76
Base - FY2027D77
Base - FY2028E77
Base - FY2029F77
Base - FY2030G77
Base - FY2031H77
Bear - FY2027D78
Bear - FY2028E78
Bear - FY2029F78
Bear - FY2030G78
Bear - FY2031H78
Bull - FY2027D80
Bull - FY2028E80
Bull - FY2029F80
Bull - FY2030G80
Bull - FY2031H80
Risk-free rate - 10-year Government of India security - FY2026C11
Equity risk premium - India - FY2026C12
Levered beta - FY2026C13
Country risk premium - FY2026C14
Terminal growth rate - FY2026C16
Terminal sustainable return on equity - FY2026C17
CET-1 regulatory minimum including capital conservation buffer - FY2026C21
CET-1 operating target used for the capital-retention calculation - FY2026C22
Total CRAR regulatory minimum including buffer - FY2026C23
Cost of equity - FY2027D80
Cost of equity - FY2028E80
Cost of equity - FY2029F80
Cost of equity - FY2030G80
Cost of equity - FY2031H80
Edits write to the Excel master; every dependent figure, table and chart input recalculates.
Revenue modelIncome statementBalance sheetCash flowScenariosDCF inputs editable input estimate years Expand
BANK OF INDIA | NSE: BANKINDIA | BSE: 532149 | Revenue model - earning assets, spreads and fee build — Standalone financial statements prepared under Indian GAAP in the forms of the Third Schedule to the Banking Regulation Act, 1949 (RBI formats). Ind AS is not applicable to Indian banks at the build date. Reporting currency INR; all amounts in Rs crore (1 crore = 10 million) unless stated. Fiscal year ends 31 March; FY2026 = year ended 31-Mar-2026. Blue font = editable driver assumption. — Period type · PARTIAL · PARTIAL · PARTIAL · PARTIAL · PARTIAL · PARTIAL · PARTIAL · PARTIAL · PARTIAL · PARTIAL · PARTIAL · Actual
Line itemUnit / refFY1997FY1998FY1999FY2000FY2001FY2002FY2003FY2004FY2005FY2006FY2007FY2008
BasisFragments onlyFragments onlyFragments onlyFragments onlyFragments onlyFragments onlyFragments onlyFragments onlyFragments onlyFragments onlyFragments onlyAudited
A. BUSINESS VOLUMES (closing balances)
Total deposits (global)croren.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.150,012
of which: deposits in Indiacroren.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.125,416
of which: deposits outside Indiacroren.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.24,596
Demand depositscroren.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.12,473
Savings bank depositscroren.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.33,439
Term depositscroren.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.104,100
CASA (demand plus savings)croren.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.45,912
CASA as % of depositspctn.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.30.61%
Gross advances (global)IP / Sch 9114,815
Net advances (balance sheet)Sch 9n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.113,476
of which: advances in Indiacroren.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.90,186
of which: advances outside Indiacroren.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.23,291
Bills purchased and discountedcroren.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.16,019
Cash credits, overdrafts and loans repayable on demandcroren.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.53,508
Term loanscroren.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.43,949
Priority sector advancescroren.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.32,239
Investments (net)Sch 8n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.41,803
of which: Government securities in Indiacroren.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.33,032
Total business (deposits plus gross advances)crore264,827
Credit-deposit ratio (gross advances / deposits)pct76.54%
B. VOLUME DRIVERSblue = editable input
Total deposit growth (global)pct
Gross advances growth (global)pct
Investments as % of depositspct27.87%
Cash and balances with RBI as % of depositspct7.83%
CASA as % of domestic depositspct
Overseas deposits as % of total depositspct16.4%
C. AVERAGE EARNING ASSETS AND FUNDING (opening / closing average)
Average net advancescrore
Average investmentscrore
Average balances with banks and money at callcrore
Average earning assets (bank-reported basis)crore
Memo: average cash and balances with RBI (non-earning)crore
Average gross advancescrore
Average depositscrore
Average borrowingscrore
D. YIELDS, COSTS AND MARGIN (computed on the average balances above)
Yield on average net advancespct
Yield on average investmentspct
Yield on other earning assets (money market and RBI balances)pct
Cost of average depositspct
Cost of average borrowingspct
Yield on average earning assetspct
Cost of average interest-bearing fundspct
Spreadpct
Net interest margin (NII / average earning assets)pct
Memo: NIM including RBI balances in the asset basepct
Memo: NIM as reported by the BankIP / ARn.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.
E. NET INTEREST INCOME BUILD (Schedules 13 and 15)
Interest and discount on advances and billsSch 13(i)n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.9,275
Income on investmentsSch 13(ii)n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.2,639
Interest on balances with RBI and other interbank fundsSch 13(iii)n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.388.98
OthersSch 13(iv)n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.52.10
Total interest earnedSch 13n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.12,355
Interest on depositsSch 15(i)n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.7,058
Interest on RBI and interbank borrowingsSch 15(ii)n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.561.86
Interest on subordinated debt and othersSch 15(iii)n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.505.61
Total interest expendedSch 15n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.8,126
NET INTEREST INCOMEcrore4,229
NII growthpct
F. NON-INTEREST INCOME BUILD (Schedule 14)
Commission, exchange and brokerageSch 14(i)n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.782.87
Profit on sale of investments (treasury)Sch 14(ii)n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.366.21
Profit on revaluation of investmentsSch 14(iii)n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.0
Profit on sale of land, buildings and other assetsSch 14(iv)n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.0.04
Profit on exchange transactionsSch 14(v)n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.306.58
Dividend from subsidiaries, associates and joint venturesSch 14(vi)n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.6.30
Miscellaneous incomeSch 14(vii)n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.n.a.654.92
Memo: recovery in written-off accounts (within misc. income)crore