Bank of India Q3FY26 Net Profit at ₹2,704.67 Crore, Up 7.5% YoY
Bank of India reported a Q3FY26 Net Profit of ₹2,704.67 crore, a 7.5% year-on-year increase. Nine-month Net Profit reached ₹7,511.36 crore. Key ratios include Capital Adequacy Ratio of 17.09%, Gross NPAs at 2.26%, and Net NPAs at 0.60%. The bank redeemed ₹3,000 crore of Tier II bonds and raised ₹12,500 crore.
The financial results are positive, showing growth in profit and stable asset quality, which is important for a bank's performance.
The Net Profit shows a year-on-year increase, and key financial ratios like Capital Adequacy Ratio are strong, while NPA levels are managed.
Bank of India announced its unaudited financial results for the third quarter and nine months ended December 31, 2025. The Board of Directors, in a meeting held on January 21, 2026, approved the standalone and consolidated financial results.
For the third quarter ended December 31, 2025, the Bank reported a Net Profit of ₹2,704.67 crore, marking a 7.5% increase compared to the same period in the previous year. The Net Profit for the nine months ended December 31, 2025, stood at ₹7,511.36 crore. Interest earned for the quarter increased to ₹18,927.13 crore from ₹18,210.52 crore in the corresponding quarter of the previous year.
The Bank also reported key financial ratios. The Capital Adequacy Ratio (Basel III) was 17.09% as of December 31, 2025. The Gross Non-Performing Assets (NPAs) stood at 2.26% and Net NPAs at 0.60% as of the same date. The Provision Coverage Ratio was 93.60% as of December 31, 2025.
During the quarter, the Bank redeemed Basel III compliant Tier II Bonds amounting to ₹3,000 crore and raised new bonds totaling ₹12,500 crore. The Bank also disclosed details regarding MSME restructured accounts, stressed asset resolutions, and loans transferred/acquired.
Furthermore, the announcement provided segment-wise performance details for Treasury Operations, Wholesale Banking Operations, and Retail Banking Operations. Geographical segment information for domestic and international operations was also presented.
What to do with a filing like this
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 medium impact: worth reading, rarely worth acting on by itself.
That call is the part a filing cannot make for you. On RealCase, SEBI-registered research analysts and investment advisers read announcements like this one and turn the ones that matter into actions inside their model portfolios: a change in weight, a hold, or nothing at all. You are not left working out which of the roughly 250 filings published each day needs a response. The portfolio you follow is updated when a filing actually warrants it, with the reason written down.
See the model portfoliosA plain-language summary of a public exchange filing by Bank of India. Read the original for the full detail.