Bank of India FY26 Net Profit Surges 14.19% to ₹10,527 Crore; Q4 Profit Up 14.85%
Bank of India reported FY26 Net Profit of ₹10,527 crore (up 14.19% YoY) and Q4FY26 Net Profit of ₹3,016 crore (up 14.85% YoY). Global Business Mix grew 14.57% to ₹16.98 Lakh crore. Gross NPA improved to 1.98% and Net NPA to 0.56%. CRAR stands at 18.01%.
The announcement details significant financial performance improvements, including substantial profit growth, improved asset quality metrics, and strong balance sheet expansion. These are material factors that directly affect investor perception and the company's valuation.
The bank has reported strong year-on-year growth in net profit for both the full financial year and the fourth quarter, along with improvements in asset quality (lower NPAs and slippage ratio) and healthy growth in deposits and advances. This indicates a positive financial performance.
Bank of India announced its audited financial results for the fourth quarter and the full financial year ended March 31, 2026. The bank reported a significant increase in profitability, with Net Profit for FY26 zooming to ₹10,527 crore, a growth of 14.19% year-on-year (YoY). Net Profit for Q4FY26 also saw a substantial increase of 14.85% YoY, reaching ₹3,016 crore.
Operating Profit for FY26 grew by 3.88% YoY to ₹17,049 crore, while for Q4FY26, it increased by 2.88% YoY to ₹5,026 crore. The bank's Return on Assets (ROA) and Return on Equity (ROE) for Q4FY26 improved to 1.01% and 16.36% respectively. Net Interest Income (NII) for FY26 increased by 3.19% YoY. Global and Domestic Net Interest Margins (NIM) for FY26 stood at 2.52% and 2.78%, respectively, with Global and Domestic NIM for Q4FY26 at 2.58% and 2.84% respectively.
The bank's balance sheet also showed robust growth. Global Business Mix registered a growth of 14.57% YoY, crossing ₹16.98 Lakh crore. Global Deposits grew by 13.56% YoY to over ₹9.27 Lakh crore, and Global Advances increased by 15.82% YoY to over ₹7.71 Lakh crore. Retail Advances saw a significant increase of 21.19% YoY, followed by MSME Advances (17.68% YoY) and Agriculture Advances (17.60% YoY). RAM Advances' share increased to 58.74%. CASA Deposits increased by 7.30% YoY, with the CASA ratio standing at 37.64% as of March 31, 2026.
Asset quality improved significantly, with the Gross NPA ratio at 1.98% (down 129 bps YoY) and Net NPA ratio at 0.56% (down 26 bps YoY). The Provision Coverage Ratio (PCR) improved by 118 bps YoY to 93.57%. Slippage Ratio for FY26 improved by 53 bps YoY to 0.83%, and for Q4FY26, it improved by 14 bps YoY to 0.18%. Credit Cost for FY26 improved by 28 bps YoY to 0.48%.
The Capital Adequacy Ratio (CRAR) as of March 31, 2026, stands at 18.01%. In terms of alternate channels, over 51 Lakh customers were added during FY26 for UPI, taking the total to 271 Lakh+. Transactions through Alternate Delivery Channels increased by 22% YoY to 7.6 billion.
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Bank of India filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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