Bank of India ka Dimaag Charkha!
Are bhaiyo aur behno! Bank of India ne apne fourth quarter ke net profit mein 82% ki jump dikhayi hai! Yeh sunke aap bhi hairan hogaye na? Rs 2,626 crore ka profit! January se March ke beech mein treasury se achha fayda hua aur jo accounts likhe gaye the, unse bhi recovery hui.
Interest Income aur Other Income
Unka core net interest income thoda sa kam badha, sirf 2% badhkar Rs 6,063 crore hua. Par ‘other income’ mein bada boom aaya! 96% ki tezi se badhkar Rs 3,428 crore ho gaya! Kaise? Written-off accounts se 195% zyada recovery (Rs 1,193 crore) aur treasury gains mein bhi 87% ki badhotari (Rs 711 crore)!
NIMs ki Baat
Net interest margin (NIM) thoda kam hua, 2.92% se girkar 2.61% ho gaya. Issi wajah se core income utna zyada nahin badha, bhahi advances 13.74% badhe the. Deposits bhi 10.65% badhe, par low-cost accounts ka hissa thoda kam hua, ab 40.28% hai.
Future Plans kya hai?
Bank of India ke MD aur CEO Rajneesh Karnatak ji ne bataya ki woh 2026 mein 12-13% loan growth aur 11-12% deposit growth ka target rakh rahe hain. Ab unke paas Rs 60,000 crore ka corporate credit pipeline hai!
NIMs par Pressure
Unhone yeh bhi bataya ki NIMs par pressure rahega, kyunki RBI new year mein policy repo rate kam kar sakta hai. Bank ki capital adequacy 17.77% hai, core buffer 14.84% hai (31 March 2025 tak).
India-Pakistan Conflict aur Security
India aur Pakistan ke beech chalu jung ki wajah se, bank RBI aur CERT-IN ke advisories ko follow kar raha hai cybersecurity ke liye. Finance ministry ne bhi ATMs mein cash rakhne ke liye advisory diya hai, woh bhi follow ho raha hai.
Stock Market mein Tezi
Bank of India ka share BSE mein 2.27% up hua, Rs 110.20 par close hua, jabki benchmark mein 1.10% ki correction thi. Wah!
