Conference Call with Bank of India Management and Analysts on Q1FY26 Performance and Outlook. Listen to the full earnings transcript.
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