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