BANKINDIA

What it is: Bank of India (BOI) is a major Public Sector Bank (PSU) owned by the Government of India, with a strong presence in corporate, retail, MSME, and international banking. Founded: 1906 Headquarters: Mumbai Category: Public Sector Bank What Bank of India Does Retail banking: Savings accounts, deposits, home & personal loans, agri loans Corporate & MSME banking: Working capital, term loans, trade finance International operations: Overseas branches and subsidiaries Digital banking: Mobile banking, UPI, cards, online services How Bank of India Makes Money Net interest income: Lending vs deposit spread Fee income: Trade finance, remittances, cards, distribution Treasury and forex operations Why Investors Track BOI Beneficiary of PSU bank turnaround cycle Improving asset quality and capital position Proxy for credit growth in infrastructure, MSME & retail Key Strengths Wide domestic and overseas branch network Strong presence in corporate & MSME lending Government backing Key Risks Higher NPAs vs top private banks PSU governance and policy constraints Sensitivity to economic downturns