Last Updated2026-06-02

Market View

₹137.29(▲0.4%)

Reporting PeriodQ4 FY26

BANKINDIABank of India Forensic Risk Analysis

Name: Bank of India Structural Risk Analysis
Creator: Flagium AI
License: https://creativecommons.org/licenses/by-nc-nd/4.0/

Public Sector Bank

Risk ClassWatch

Market Cap₹74,800 Cr

Primary DriverSolvency

Flagium AI Risk Score

20 / 100

-4 QoQ

Improving

Sentinel Insight

Early signs of pressure are emerging in asset quality. Pressure is receding in solvency. This suggests the risk profile is currently stabilizing. Risk levels are improving.

45.5th %ile (Sector)Accel: +0 Qtrs

Updated2026-06-02

Market View

₹137.29▲0.4%

PeriodQ4 FY26

Score Waterfall
Absolute contribution points of each forensic pillar to the final risk score. Derived from: Sector Baseline + Active Penalties - Mitigation Buffers.

Solvency

+20.2 pts

Final Composite Risk20 / 100

Investment Risk Thesis

Historical Trend

Current risk score has risen from 0 → 20 over 12 quarters.

Expected Direction

🟢 Improving

Primary Deterioration Drivers

GNPA Spike
CAR Decay
NIM Compression

What to Watch Next Quarter

Operating profit margins

Active Risk Objects (3)

CriticalHigh

GNPA Spike

🔭 Relative Sector RiskQuarterlyActive for 1 Qtrs

More Detail

Impact Weight15/15

MomentumAccelerating

Last SignalQ4 FY2026

BANKINDIA: GNPA rise is accelerating (QoQ rise 198 bps vs prev -254 bps).

"The loan book is showing significant stress. Watch for a spike in slippages and bad loans."

CAR Decay

🏛️ Solvency & LeverageQuarterlyActive for 5 Qtrs

More Detail

Impact Weight15/15

MomentumDecaying

Last SignalQ3 FY2026

BANKINDIA: Persistent 3-quarter CAR decline detected in vigilance zone.

"Capital position is strengthening through fresh equity or higher profit retention."

NIM Compression

📊 Earnings QualityQuarterlyActive for 6 Qtrs

More Detail

Impact Weight10/15

MomentumDecaying

Last SignalQ2 FY2026

BANKINDIA: NIM declining for 3 consecutive quarters.

"Pressure on core margins is stabilizing. Monitor for sustained interest income recovery."

Risk Trajectory

Loading Chart

Resilience Matrix

Metric	Value	vs Sector	Signal
Volatility (σ)	8	6.50	⚠️ HIGH
Sensitivity (ε_s)	1	1.00	✅ RESILIENT
Escalation Prob.	5%	5%	✅ NEUTRAL
Safety Buffer	+46.0	+46.0	✅ RESILIENT

Forensic Benchmark Context: Public Sector Bank (n=12 peers)

Correlation Analysis
Visualizing the relationship between stock price movement and structural risk objects.

Loading Chart

Share Price

Risk Score (0-100)

Market Performance

₹137.29(+0.4%)

1M Divergence-1.18%

1 Week-5.31%

1 Month-1.84%

6 Months-2.99%

1 Year+13.59%

2 Year+13.06%

3 Year+100.39%

Sector Average (1M)-0.66%

Sentinel Forensic Assessment

ALGORITHMIC RISK PROFILE • NON-ADVISORY

The risk profile is Early Signals and currently improving. Recent structural triggers in solvency suggest a building pressure on the underlying framework. Material forensic traces are visible in solvency ratios and structural leverage, indicating a progressive erosion of structural stability. Continued monitoring is necessary as risk levels remain above institutional safety parameters.

BANKINDIA • MARKET STRUCTURE

Stage 4 — Declining

The company is in a defensive phase. Sentiment and fundamentals are deteriorating under persistent downward pressure, indicating elevated risk levels.

Stage Transition Prob.40%

Trend QualityDeteriorating

Phase Progression

Phase Progression Score42.5%

Readiness LabelLow (Early Base Consolidation)

Probability of Advancing40%

CoinTree Momentum

Composite Z-Score-0.6078σ

Weakening momentum trend

Universe Rank#2208 of 2716

Top 81.30% in momentum strength

Timeframe Sparklines

1W-5.3%

1M-1.8%

6M-3.0%

Weinstein Indicators

150 DMA₹149.23

200 DMA₹141.6

150 DMA Slope+1.5073%Rising

Relative Strength+2.50%Leading

Relative Turnover (RTR)1.1163

ParticipationNeutral

PEER COMPARISON

Ranked comparison against sector peers

Risk profile is broadly in line with the Sector Mean (20).

Ticker	Risk Score	Sector %ile	Delta	Flags	Accel	Primary Driver
BANKINDIABank of India	20	45th	-4	3	+0	SolvencyWatch
BANKBARODABank of Baroda	26	64th	-5	11	+0	GovernanceWatch
CANBKCanara Bank	34	82th	-17	17	+0	SolvencyWatch
PNBPunjab National Bank	43	100th	-8	17	+0	Earnings QualityModerate Deterioration