Bank of India has achieved a new milestone with a strong performance in the third quarter of FY 2025–26, reflecting consistent growth across key business segments. The Bank’s operating profit rose 13% year-on-year to ₹4,193 crore in Q3FY26, while the nine-month operating profit increased 4% to ₹12,023 crore. Net profit for the quarter grew 7% YoY to ₹2,705 crore, and the nine-month net profit recorded a 14% rise to ₹7,511 crore.
Profitability indicators showed improvement, with Return on Assets (ROA) reaching 0.96% and Return on Equity (ROE) at 15.34%, highlighting operational efficiency. The Bank maintained stable Net Interest Margins (NIM), with global NIM at 2.51% and domestic NIM at 2.76% for the nine-month period.
On the advances front, Bank of India saw strong growth across all key segments. Domestic Advances rose 15.16% YoY, while global advances increased 13.63% YoY. The Bank’s total global business crossed the historic ₹16 lakh crore mark. Retail advances surged 20.64%, agriculture advances 16.69%, MSME advances 15.77%, and corporate advances 11.32%. The RAM segment (Retail, Agriculture, MSME) now accounts for 58.54% of total advances, reflecting the Bank’s focus on inclusive growth.
On the liabilities side, total deposits grew 11.64% YoY, with domestic deposits up 12.80%. CASA deposits increased 4.48%, resulting in a CASA ratio of 37.97%, demonstrating a stable low-cost deposit base.
Asset quality improved significantly during the quarter. Gross NPA declined to 2.26% and net NPA stood at 0.60%. The Provision Coverage Ratio (PCR) strengthened to 93.60%, and credit costs reduced, indicating prudent risk management and strong financial health.
Bank of India also expanded its digital footprint, adding over 7 lakh new customers during the quarter. The total UPI customer base now exceeds 242 lakh, and the share of transactions via digital and alternate channels continues to rise.
Overall, Bank of India’s Q3FY26 performance reflects strong profitability, sustainable credit growth, improving asset quality, and rapid digital adoption. These factors underscore the Bank’s steady momentum in delivering consistent value to stakeholders while supporting financial inclusion and technological adoption.
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