• Net interest margin: Bank of India expects global NIM to improve to around 2.70% in FY27 from approximately 2.58% in March 2026 as it implements strategies to reduce sticky deposit costs and enhance yield on advances.
• Credit growth guidance: The bank has guided for 15–16% global credit growth, supported by a ₹75,000 crore total pipeline that includes ₹60,000 crore in corporate credit and ₹15,000 crore in the RAM sector.
• Portfolio mix roadmap: Under its three-year roadmap to March 2029, the bank aims to shift its loan book mix to 60% RAM and 40% corporate credit from the current 58% to 42% ratio.
• Financial guidance: For FY27, management is targeting deposit growth of 13–14%, an ROA of 1%, and improved asset quality, which is expected to enable higher dividend payouts.