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Bank of India Results: Latest Quarterly Results & Analysis

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Bank of India 24 Jul 2026 17:15 PM
Result PDF

Q1FY27 Quarterly Result Announced for Bank of India

Bank of India announced Q1FY27 results

Standalone Financial Highlights:

  • Total Income for Q1FY27 was reported at Rs 22,52,847 lakh, reflecting a growth of 9.80% YoY compared to Rs 20,51,829 lakh in Q1FY26 and a marginal decline of 0.69% QoQ from Rs 22,68,538 lakh in Q4FY26.
  • Interest Earned during the quarter stood at Rs 19,94,932 lakh, marking a YoY increase of 8.70% from Rs 18,35,219 lakh in Q1FY26 and a 2.43% QoQ increase from Rs 19,47,586 lakh in Q4FY26.
  • Operating Profit for Q1FY27 was Rs 5,05,108 lakh, showing a YoY growth of 25.98% from Rs 4,00,938 lakh in Q1FY26 and a 0.50% QoQ increase from Rs 5,02,571 lakh in Q4FY26.
  • Net Profit for Q1FY27 reached Rs 3,06,790 lakh, a YoY increase of 36.22% from Rs 2,25,212 lakh in Q1FY26 and a 1.73% QoQ growth from Rs 3,01,579 lakh in Q4FY26.
  • Other Income was reported at Rs 2,57,915 lakh, an increase of 19.07% YoY from Rs 2,16,610 lakh in Q1FY26 and a 19.64% QoQ decrease from Rs 3,20,952 lakh in Q4FY26.
  • Operating Margin for the quarter improved to 22.42% in Q1FY27, compared to 19.54% in Q1FY26 and 22.15% in Q4FY26.
  • Net Profit Margin stood at 13.62% in Q1FY27, up from 10.98% in Q1FY26 and 13.29% in Q4FY26.

Consolidated Financial Highlights:

  • Total Income for Q1FY27 was recorded at Rs 22,71,228 lakh, a YoY growth of 9.84% from Rs 20,67,762 lakh in Q1FY26 and a 0.62% QoQ decline from Rs 22,85,287 lakh in Q4FY26.
  • Interest Earned for the quarter reached Rs 20,09,690 lakh, reflecting an 8.83% YoY increase from Rs 18,46,661 lakh in Q1FY26 and a 2.67% QoQ growth from Rs 19,57,337 lakh in Q4FY26.
  • Operating Profit for Q1FY27 stood at Rs 5,13,799 lakh, growing 26.24% YoY from Rs 4,06,992 lakh in Q1FY26 and 1.11% QoQ from Rs 5,08,154 lakh in Q4FY26.
  • Net Profit for the quarter was reported at Rs 3,30,258 lakh, showing a significant YoY increase of 80.51% from Rs 1,82,956 lakh in Q1FY26 and a 6.96% QoQ increase from Rs 3,08,776 lakh in Q4FY26.

Business Highlights:

  • Segment Performance:
    • Treasury Operations: Reported a result of Rs 1,60,702 lakh in Q1FY27, compared to Rs 1,92,853 lakh in Q1FY26.
    • Wholesale Banking Operations: Showed significant growth with a result of Rs 1,53,835 lakh in Q1FY27, up from Rs 28,470 lakh in Q1FY26.
    • Retail Banking Operations: Recorded a result of Rs 1,31,718 lakh in Q1FY27, compared to Rs 1,49,605 lakh in Q1FY26.
  • Asset Quality:
    • Gross NPA Ratio improved to 1.81% in Q1FY27, compared to 2.92% in Q1FY26 and 1.98% in Q4FY26.
    • Net NPA Ratio reduced to 0.51% in Q1FY27 from 0.75% in Q1FY26 and 0.56% in Q4FY26.
    • The Provision Coverage Ratio (PCR) (including technical written-off accounts) stood at 93.83% as of June 30, 2026.
  • Capital Adequacy: The Capital Adequacy Ratio (Basel III) for the standalone entity was 18.69% in Q1FY27, compared to 17.39% in Q1FY26 and 18.01% in Q4FY26.
  • Balance Sheet Size: Total Assets for the standalone entity reached Rs 11,93,20,004 lakh as of June 30, 2026, while total Deposits stood at Rs 9,57,92,385 lakh and total Advances were Rs 7,87,34,009 lakh.
  • MSME Restructuring: As of June 30, 2026, the Bank restructured 6,252 MSME accounts with a total amount of Rs 239.97 crore under RBI guidelines.
  • Investment Portfolio: The Bank transferred Investment Fluctuation Reserve (IFR) amounting to Rs 1,394.59 crore to General Reserve during Q1FY27 following discontinued requirements by the Reserve Bank of India.

Result PDF

Result PDF

Bank of India announced Q4FY26 & FY26 results

Consolidated Financial Highlights:

  • Total Income: Reached Rs 22,85,286 lakh in Q4FY26, showing a YoY growth of 4.19% compared to Rs 21,93,354 lakh in Q4FY25, and a QoQ growth of 6.89% from Rs 21,37,920 lakh in Q3FY26. For FY26, total income stood at Rs 85,64,956 lakh, up 6.51% from Rs 80,41,244 lakh in FY25.
  • Operating Profit (before Provisions and Contingencies): Recorded at Rs 5,08,154 lakh in Q4FY26, reflecting a YoY increase of 3.34% against Rs 4,91,752 lakh in Q4FY25, and a QoQ rise of 19.41% from Rs 4,25,557 lakh in Q3FY26. FY26 operating profit was Rs 17,25,951 lakh, compared to Rs 16,60,835 lakh in FY25.
  • Net Profit: Stood at Rs 3,08,776 lakh in Q4FY26, observing a YoY growth of 18.67% from Rs 2,60,198 lakh in Q4FY25, and a QoQ increase of 9.79% from Rs 2,81,229 lakh in Q3FY26. For FY26, net profit was Rs 10,30,630 lakh, an increase of 7.94% from Rs 9,54,828 lakh in FY25.

Standalone Financial Highlights:

  • Total Income: Reported at Rs 22,68,538 lakh in Q4FY26, up 4.30% YoY from Rs 21,75,081 lakh in Q4FY25, and 6.98% QoQ from Rs 21,20,595 lakh in Q3FY26. For FY26, total income reached Rs 85,03,554 lakh compared to Rs 79,81,992 lakh in FY25.
  • Operating Profit: Jumped to Rs 5,02,571 lakh in Q4FY26, a 2.88% YoY growth from Rs 4,88,483 lakh in Q4FY25, and a 19.86% QoQ increase from Rs 4,19,279 lakh in Q3FY26. FY26 operating profit was Rs 17,04,873 lakh against Rs 16,41,211 lakh in FY25.
  • Profit Before Tax: Recorded at Rs 4,03,595 lakh in Q4FY26, demonstrating a YoY rise of 13.78% from Rs 354,717 lakh in Q4FY25, and an 11.59% QoQ growth from Rs 3,61,680 lakh in Q3FY26. FY26 profit before tax was Rs 13,94,566 lakh, compared to Rs 12,43,444 lakh in FY25.
  • Net Profit after Tax: Surged to Rs 3,01,579 lakh in Q4FY26, displaying a 14.85% YoY increase from Rs 2,62,591 lakh in Q4FY25, and an 11.50% QoQ rise from Rs 2,70,467 lakh in Q3FY26. For FY26, net profit was Rs 10,52,715 lakh, up 14.19% YoY from Rs 9,21,902 lakh in FY25.

Business & Segment Highlights:

  • Dividend Recommendation: The Board of Directors recommended a dividend of Rs 4.65 (i.e., 46.50%) per equity share of Face Value Rs 10/- each fully paid up for the FY26, subject to the approval of shareholders.
  • Asset Quality: The bank showed significant improvement in asset quality. Gross NPA percentage improved to 1.98% in Q4FY26, down from 3.27% in Q4FY25 and 2.26% in Q3FY26. Net NPA percentage also improved to 0.56% in Q4FY26 compared to 0.82% in Q4FY25.
  • Capital Adequacy Ratio (Basel III): Capital Adequacy Ratio (Standalone) stood at 18.01% at the end of Q4FY26, representing an improvement from 17.77% in Q4FY25.
  • Segment Performance:
    • Treasury Operations: Revenue was Rs 5,34,693 lakh in Q4FY26, dropping YoY from Rs 6,19,569 lakh in Q4FY25.
    • Wholesale Banking Operations: Revenue increased to Rs 8,30,124 lakh in Q4FY26 from Rs 7,04,903 lakh in Q4FY25.
    • Retail Banking Operations: Revenue slightly grew to Rs 9,05,279 lakh in Q4FY26 from Rs 8,93,521 lakh in Q4FY25.

Result PDF

Bank of India announced Q3FY26 results

  • Operating Profit for Q3FY26 increased by 13% YoY and stood at Rs 4,193 crore.
  • Net Profit for Q3FY26 grew by 7% YoY to Rs 2,705 crore.
  • Net Interest Income (NII) for Q3FY26 stood at Rs 6,461 crore.
  • Non-Interest Income for Q3FY26 it grew by 30% YoY at 2,279 crore.
  • Net Interest Margin (NIM) of Global and Domestic for 9MFY26 stood at 2.51% and 2.76% respectively.
  • Global and Domestic NIM for Q3FY26 stood at 2.57% and 2.80% respectively.
  • Bank’s ROA and ROE for 9MFY26 stood at 0.90% and 14.49% respectively. ROA and ROE for Q3FY26 increased to 0.96% and 15.34% respectively.
  • Balance Sheet:
    • Bank’s Global Advances registered a growth of 13.63% YoY with Domestic Advances growth at 15.16% YoY. Bank’s Global Business crossed Rs 16 lakh crore milestone.
    • Overseas Advances grew by 5.70% YoY.
    • Retail Advances grew by 20.64% YoY, Agriculture Advances grew by 16.69% YoY followed by MSME Advances which grew by 15.77% YoY and Corporate Advances grew by 11.32% YoY. RAM % share in Advances increased to 58.54%.
    • Bank’s Deposits grew by 11.64% YoY with Domestic Deposits grew by 12.80% YoY. CASA Deposit grew by 4.48% YoY and CASA ratio stands at 37.97% as on 31 st December, 2025.
  • Asset Quality:
    • Gross NPA ratio at 2.26% improved by 143 bps YoY.
    • Net NPA ratio at 0.60% improved by 25 bps YoY.
    • PCR improved by 112 bps YoY and stands at 93.60%.
    • Slippage Ratio for 9MFY26 improved by 36 bps YoY and stands at 0.64%. Slippage Ratio for Q3FY26 improved by 3 bps YoY and stands at 0.16%.
    • Credit Cost for 9MFY26 improved by 30 bps YoY to 0.42% and for Q3FY26 improved by 5 bps YoY to 0.34%.
  • Capital Adequacy: Capital Adequacy Ratio as on 31.12.2025 stands at 17.09%.

Result PDF

Bank of India announced Q2FY26 results

  • Operating Profit for H1FY26 stood at Rs 7,830 crore while Operating Profit for Q2FY26 stood at Rs 3,821 crore.
  • Net Profit for H1FY26 increased by 18% YoY at Rs 4,807 crore. Net Profit for Q2FY26 grew by 8% YoY to Rs 2,555 crore.
  • Bank’s ROA and ROE for H1FY26 stood at 0.87% and 14.14% respectively. ROA and ROE for Q2FY26 increased to 0.91% and 14.94% respectively.
  • Net Interest Income (NII) for H1FY26 stood at Rs 11,981 crore and for Q2FY26 stood at Rs 5,912 crore.
  • Net Interest Margin (NIM) of Global and Domestic for H1FY26 stood at 2.48% and 2.74% respectively.
  • Global and Domestic NIM for Q2FY26 stood at 2.41% and 2.66% respectively.
  • Balance Sheet:
    • Bank’s Global Advances grew by 14% with Domestic Advances grew by 14.73% YoY. Bank’s Global Advances crossed Rs 7 Lakh crore.
    • Overseas Advances grew by 10.40% YoY.
    • Retail Advances grew by 19.96% YoY, MSME Advances grew by 16.46% YoY followed by Agriculture Advances which grew by 13.65% YoY and Corporate Advances grew by 11.69% YoY.
    • Bank’s Deposits grew by 10.08% YoY with Domestic Deposits grew by 8.53% YoY. CASA Deposit grew by 3.95% YoY and CASA ratio stands at 39.39% as on 30 th September, 2025.
  • Asset Quality:
    • Gross NPA ratio at 2.54% improved by 187 bps YoY.
    • Net NPA ratio at 0.65% improved by 29 bps YoY.
    • PCR improved by 117 bps YoY and stands at 93.39%.
    • Slippage Ratio for H1FY26 improved by 33 bps YoY and stands at 0.47%. Slippage Ratio for Q2FY26 improved by 30 bps YoY and stands at 0.14%.
    • Credit Cost for H1FY26 improved by 44 bps YoY to 0.47% and for Q2FY26 improved by 69 bps YoY to 0.28%.
  • Capital Adequacy: Capital Adequacy Ratio as at the end of H1FY26 stands at 16.69%.

Result PDF

Bank of India announced Q1FY26 results

  • Bank's Global Advances grew by 12.02% with Domestic Advances grew by 11.24% YoY. Bank's Global Business crossed Rs 15 Lakh crores.
  • Overseas Advances grew by 16.34% YoY.
  • Retail Advances grew by 20% YoY, MSME Advances grew by 17% YoY followed by Agriculture Advances which grew by 12% YoY.
  • Bank's Deposits grew by 9.07% YoY with Domestic Deposits grew by 9.62% YoY. CASA Deposits grew by 2.50% YoY and CASA ratio stands at 39.88% as on 30th June, 2025.
  • Operating Profit for Q1FY26 grew by 9% YoY to Rs 4,009 crores.
  • Net Profit for Q1FY26 increased by 32% YoY at Rs 2,252 crores.
  • Bank's ROA and ROE for Q1FY26 stand at 0.82% and 13.55% respectively.
  • Global and Domestic Net Interest Margin (NIM) for Q1FY26 stood at 2.55% and 2.82%, respectively
  • Yield on Advances (Global) for Q1FY26 stood at 8.01% and Cost of Deposits (Global) stood at 4.85% for Q1FY26.
  • Gross NPA ratio at 2.92% improved by 170 bps YoY.
  • Net NPA ratio at 0.75% improved by 24 bps YoY.
  • PCR improved by 83 bps YoY and stands at 92.94%
  • Slippage Ratio improved by 2 bps YoY and stands at 0.33%.
  • Credit Cost improves by 17 bps YoY to 0.68%.

Result PDF

Bank of India announced Q4FY25 & FY25 results

Financial Highlights:

  • Operating Profit for FY25 grew by 17% YoY to Rs 16,412 crore while Operating Profit for Q4FY25 grew by 37% YoY to Rs 4,885 crore.
  • Net Profit for FY25 stands at 19,219 crore witnessing growth of 46% YoY. Net Profit for Q4FY25 grew by 82% YoY to 12,626 crore.
  • Bank's ROA and ROE for FY25 stand at 0.90% and 15.27% respectively.
  • Net Interest Income (NII) for FY25 increased by 6% YoY.
  • Net Interest Margin (NIM) of Global and Domestic for FY25 stand at 2.82% and 3.10% respectively.
  • Global and Domestic NIM for Q4FY25 stand at 2.61% and 2.91% respectively.
  • Asset Quality:
    • Gross NPA ratio at 3.27% improved by 171 bps YoY.
    • Net NPA ratio at 0.82% improved by 40 bps YoY.
    • PCR improved by 180 bps YoY and stands at 92.39%.
    • Slippage Ratio for FY25 improved by 22 bps YoY and stands at 1.36%. Slippage Ratio for Q4FY25 improved by 6 bps YoY and stands at 0.32%.
    • Credit Cost for FY25 improves by 2 bps YoY to 0.76%.
  • Capital Adequacy: Capital Adequacy Ratio (CAR) as at the end of FY25 stands at 17.77%.
  • Alternate Channels:
    • Over 440 services available in Mobile Banking App "BOI Mobile Omni Neo Bank".
    • Share of Alternate Channels in total transactions increased from -93.9% in FY24 to -95.9% in FY25.
  • Balance Sheet:
    • Bank's Global Advances grew by 13.74% with Domestic Advances grew by 14.45% YoY. Bank's Global Advances crossed t 6 Lakh crore.
    • Overseas Advances grew by 9.97% YoY.
    • Retail Advances grew by 19.93% YoY, MSME Advances grew by 18.39% YoY followed by Agriculture Advances which grew by 16.30% YoY and Corporate Advances grew by 9.59% YoY.
    • Bank's Deposits grew by 10.65% YoY with Domestic Deposits grew by 11.21% YoY. CASA Deposit grew by 3.86% YoY and CASA ratio stands at 40.28% as on 31st March, 2025.

Result PDF

Bank of India announced 9MFY25 & Q3FY25 results

Q3FY25 Financial Highlights:

  • Net Profit for the quarter improved by 35% YoY and stood at Rs.2,517 crore for Q3FY25 against Rs.1,870 crore in Q3FY24. On a sequential basis, Net Profit improved by 6% from Rs.2,374 crore in Q2FY25.
  • Operating Profit increased by 23% YoY and stood at Rs.3,703 crore for Q3FY25 against Rs.3,004 crore in Q3FY24 and Rs.4,147 crore in Q2FY25.
  • Net Interest Income (NII) increased by 11% YoY and stood at Rs.6,070 crore for Q3FY25 against Rs.5,463 crore for Q3FY24 and Rs.5,986 crore in Q2FY25.
  • Non-Interest Income increased by 46% YoY and stood at Rs.1,746 crore for Q3FY25 against Rs.1,193 crore in Q3FY24 and Rs.2,518 crore in Q2FY25.
  • Operating Expenses stood at Rs.4,114 crore for Q3FY25 against Rs.3,653 crore in Q3FY24 and Rs.4,355 crore in Q2FY25.
  • NIM (Global) stood at 2.80% in Q3FY25 against 2.85% in Q3FY24 and 2.82% in Q2FY25.
  • Return on Assets (Global) improved by 14 bps YoY to 0.96% in Q3FY25 against 0.82% in Q3FY24. On a sequential basis it improved by 2 bps from 0.94% in Q2FY25.
  • Return on Equity (RoE) improved by 157 bps at 16.53% in Q3FY25 against 14.96% in Q3FY’24. Cost to Income ratio (Global) stood at 52.63% in Q3FY25 against 54.87% in Q3FY24 and 51.22% in Q2FY25.
  • Slippage ratio stood at 0.19% in Q3FY25 against 0.26% in Q3FY24.
  • Credit Cost stood at 0.39% in Q3FY25 against 0.46% in Q3FY24.
  • Yield on Advances (Global) improved by 18 bps YoY to 8.55% in Q3FY25 against 8.37% in Q3FY24 and 8.45% in Q2FY25.
  • Cost of Deposits (Global) stood at 4.96% in Q3FY25 against 4.62% in Q3FY24 and 4.95% in Q2FY25.

9MFY25 Financial Highlights:

  • Net Profit increased by 35% YoY and stood at Rs.6,593 crore for 9MFY25 against Rs.4,879 crore in the corresponding period of last year.
  • Operating Profit improved by 10% YoY and stood at Rs.11,527 crore for 9MFY25 against Rs.10,511 crore in the corresponding period of last year.
  • Net Interest Income (NII) increased by 7% YoY and stood at Rs.18,331 crore for 9MFY25 against Rs.17,117 crore in the corresponding period of last year.
  • Non-Interest Income increased by 28% YoY and stood at Rs.5,566 crore for 9MFY25 against Rs.4,344 crore in the corresponding period of last year.
  • Operating Expenses stood at Rs.12,370 crore in 9MFY25 against Rs.10,949 crore in the corresponding period of last year.
  • NIM (Global) stood at 2.90% in 9MFY25 against 2.98% in 9MFY24.
  • Return on Assets (RoA) improved by 15 bps and stood at 0.87% in 9MFY25 against 0.72% in 9MFY24.
  • Return on Equity (RoE) improved by 115 bps YoY to 14.90% in 9MFY25, against 13.75% in 9MFY24.
  • Cost to Income ratio (Global) stood at 51.76% in 9MFY25 against 51.02% in 9MFY24.
  • Credit Cost stood at 0.72% in 9MFY25 against 0.54% in 9MFY24.
  • Yield on Advances (Global) improved by 31 bps to 8.65% in 9MFY25 against 8.34% in 9MFY24.
  • Cost of Deposits (Global) stood at 4.91% in 9MFY25 against 4.44% in 9MFY24.
  • Asset Quality:
    • Gross NPA declined by 20.47% YoY from Rs.30,237 crore in Dec’23 to Rs.24,048 crore in Dec’24.
    • Net NPA declined by 29.07% YoY from Rs.7,627 crore in Dec’23 to Rs.5,410 crore in Dec’24.
    • GNPA ratio improved by 166 bps from 5.35% in Dec’23 to 3.69% in Dec’24.
    • Net NPA ratio improved by 56 bps from 1.41% in Dec’23 to 0.85% in Dec’24.
    • Provision Coverage Ratio (PCR) stood at 92.48% in Dec’24 against 89.95% in Dec’23.
  • Capital Adequacy:
    • As on 31.12.2024, Bank's total Capital Adequacy Ratio (CRAR) was at 16.00% against 16.06% as on 31.12.2023.
    • CET-1 ratio stood at 12.96% as on 31.12.2024.

Result PDF

Bank of India announced H1FY25 & Q2FY25 results

Financial Highlights:

  • Global Business incroreeased by 12.05% YoY.
  • Global Deposits incroreeased by 10.15% YoY.
  • Global Advances incroreeased by 14.51% YoY.
  • Advances (Dom.) incroreeased by 15.03% YoY.
  • RAM Advances grew by 19.74% YoY and it constitutes 57.70% of Advances.
  • Retail croreedit grew by 21.61% YoY.
  • Agriculture croreedit grew by 21.46% YoY.
  • MSME croreedit grew by 15.42% YoY.
  • CASA deposits incroreeased by 7.26% YoY and CASA ratio at 41.18%.
  • Net Profit incroreeased by 62.76% YoY to Rs 2,374 crore.
  • Operating Profit incroreeased by 10.43% YoY to Rs 4,147 crore.
  • Non-Interest Income incroreeased by 49.15% YoY to Rs 2,518 crore.
  • Gross NPA ratio down by 143 bps YoY to 4.41%.
  • Net NPA ratio down by 60 bps YoY to 0.94%.
  • Provision Coverage Ratio (Pcrore) at 92.22%.
  • croreAR improved by 100 bps to 16.63%, with CET-1 ratio at 13.52%.

Profitability Q2FY25:

  • Net Profit for the quarter improved by 63% YoY and stood at Rs 2,374 crore for Q2FY25 against Rs 1,458 crore in Q2FY24.
  • Operating Profit incroreeased by 10% YoY and stood at Rs 4,147 crore for Q2FY25 against Rs 3,756 crore in Q2FY24.
  • Net Interest Income (NII) incroreeased by 4% YoY and stood at Rs 5,986 crore for Q2FY25 against Rs 5,740 crore for Q2FY24.
  • Non-Interest Income incroreeased by 49% YoY and stood at Rs 2,518 crore for Q2FY25 against Rs 1,688 crore in Q2FY24.
  • Operating Expenses stood at Rs 4,355 crore for Q2FY25 against Rs 3,672 crore in Q2FY24.

Profitability H1FY25:

  • Net Profit incroreeased by 35% YoY and stood at Rs 4,076 crore in H1FY25 against Rs 3,009 crore in H1FY24.
  • Operating Profit improved by 4% YoY and stood at Rs 7,825 crore in H1FY25 against Rs 7,508 crore in H1FY24.
  • Net Interest Income (NII) incroreeased by 5% YoY and stood at Rs 12,261 crore in H1FY25 against Rs 11,653 crore in H1FY24.
  • Non-Interest Income incroreeased by 21% YoY and stood at Rs 3,820 crore in H1FY25 against Rs 3,150 crore in H1FY24.
  • Operating Expenses stood at Rs 8,256 crore in H1FY25 against Rs 7,296 crore in H1FY24.

Asset Quality:

  • Gross NPA declined by 13% YoY from Rs 31,719 crore in Sep’23 to Rs 27,456 crore in Sep’24.
  • Net NPA declined by 29% YoY from Rs 7,978 crore in Sep’23 to Rs 5,649 crore in Sep’24.
  • GNPA ratio improved by 143 bps from 5.84% in Sep’23 to 4.41% in Sep’24.
  • Net NPA ratio improved by 60 bps from 1.54% in Sep’23 to 0.94% in Sep’24.
  • Provision Coverage Ratio (PCR) stood at 92.22% in Sep’24.

Capital Adequacy:

  • Bank's total Capital Adequacy Ratio (CRAR) improved by 100 bps and stood at 16.63% as on 30.09.24 against 15.63% as on 30.09.23.
  • CET-1 ratio stood at 13.52% as on 30.09.24.

Result PDF

Bank of India announced Q1FY25 results:

  • Net Profit for the quarter improved by 10% YoY and stood at Rs 1,703 crore for Q1FY25 against Rs 1,551 crore in Q1FY24.
  • Operating Profit stood at Rs 3,677 crore for Q1FY25 against Rs 3,752 crore in Q1FY24.
  • Net Interest Income (NII) increased by 6% YoY and stood at Rs 6,275 crore for Q1FY25 against Rs 5,915 crore for Q1FY24.
  • Non-Interest Income stood at Rs 1,302 crore for Q1FY25 against Rs 1,462 crore in Q1FY24.
  • Global Business increased by 12.34% YoY.
  • Global Deposits increased by 9.74% YoY.
  • Global Advances increased by 15.82% YoY.
  • Advances (Dom.) increased by 17.29% YoY.
  • RAM Advances grew by 18.78% YoY and it constitutes 56.01% of Advances.
  • Retail Credit grew by 20.46% YoY.
  • Agriculture Credit grew by 22.18% YoY.
  • MSME Credit grew by 13.06% YoY.
  • CASA deposits increased by 5.51% YoY and CASA ratio at 42.68%.
  • Net Profit increased by 10% YoY to Rs 1,703 crore.
  • Yield on Advances (Global) improved by 50 bps YoY.
  • Yield on Advances (Dom.) improved by 52 bps YoY.
  • Gross NPA ratio down by 205 bps YoY.
  • Net NPA ratio down by 66 bps YoY.
  • Provision Coverage Ratio (PCR) at 92.11%.
  • CRAR stood at 16.18%, with CET-1 ratio at 13.62%. 

Result PDF

Bank of India announced Q4FY24 & FY24 results:

Q4FY24 Financial Highlights:

  • Net Profit for the quarter improved by 7% YoY and stood at Rs 1,439 crore for Q4FY24 against Rs 1,350 crore in Q4FY23.
  • Operating Profit stood at Rs 3,557 crore for Q4FY24 against Rs 4,184 crore in Q4FY23.
  • Net Interest Income (NII) increased by 7% YoY and stood at Rs 5,937 crore for Q4FY24 against Rs 5,523 crore for Q4FY23.
  • Non-Interest Income stood at to Rs 1,751 crore for Q4FY24 against Rs 3,099 crore in Q4FY23. 
  • NIM (Global) stood at 2.92% in Q4FY24 against 3.15% in Q4FY23 and 2.85% in Q3FY24.
  • NIM (Domestic) stood at 3.30% in Q4FY24 against 3.59% in Q4FY23 and 3.21% in Q3FY24. 
  • Return on Assets (Global) stood at 0.61% in Q4FY24 against 0.63% in Q4FY23.
  • Cost to Income ratio (Global) stood at 53.73% in Q4FY24 against 51.48% in Q4FY23.
  • Yield on Advances (Global) improved by 52 bps YoY to 8.47% in Q4FY24 against 7.95% in Q4FY23.
  • Cost of Deposits (Global) stood at 4.71% in Q4FY24 against 3.91% in Q4FY23

FY24 Financial Highlights:

  • Net Profit increased by 57% YoY and stood at Rs 6,318 crore for FY24 against Rs 4,023 crore in FY23.
  • Operating Profit improved by 5.05% YoY and stood at Rs 14,069 crore for FY24 against Rs 13,393 crore in FY23.
  • Net Interest Income (NII) increased by 14% YoY and stood at Rs 23,053 crore for FY24 against Rs 20,275 crore in FY23.
  • Non-Interest Income stood at Rs 6,095 crore for FY24 against Rs 7,100 crore in FY23. 
  • NIM (Global) stood at 2.97% in FY24 against 3.01% in FY23.
  • NIM (Domestic) stood at 3.34% in FY24 against 3.43% in FY23.
  • Return on Assets (RoA) improved by 21 bps YoY to 0.70% in FY24 against 0.49% in FY23.
  • Return on Equity (RoE) improved by 282 bps YoY to 13.13% in FY24, against 10.31% in FY23.
  • Cost to Income ratio (Global) stood at 51.73% in FY24 against 5.1.08% in FY23.
  • Slippage Ratio stood at 1.58% in FY24 against 1.94% in FY23
  • Credit Cost stood at 0.78% in FY24 against 0.79% in FY23.
  • Yield on Advances (Global) improved by 101 bps to 8.38% in FY24 against 7.37% in FY23.
  • Cost of Deposits (Global) stood at 4.51% in FY24 against 3.67% in FY23.

Result PDF

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