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
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