Bank of India Q3FY26 Net Profit Rises 7% to ₹2,705 Crore; Global Business Crosses ₹16 Lakh Crore
Bank of India reported Q3FY26 net profit of ₹2,705 crore, up 7% YoY. Global business crossed ₹16 lakh crore. Advances grew 13.63% YoY, deposits rose 11.64% YoY. Operating profit increased 13% to ₹4,193 crore. Gross NPA improved to 2.26% and Net NPA to 0.60%.
The results show significant year-on-year growth in profits and business volumes, along with improvements in asset quality. These are material financial updates that are likely to have a considerable impact on investor sentiment and the company's stock performance.
The bank reported growth in key financial metrics such as net profit, operating profit, advances, and deposits. Asset quality also showed improvement with lower NPA ratios. The crossing of the ₹16 lakh crore milestone for global business is a positive indicator.
Bank of India announced its unaudited (reviewed) financial results for the third quarter and nine months ended December 31, 2025. The bank's global business crossed the ₹16 lakh crore milestone, with global advances growing by 13.63% year-on-year to ₹7.40 lakh crore and domestic advances increasing by 15.16% year-on-year.
Global deposits grew by 11.64% year-on-year to ₹8.87 lakh crore, with domestic deposits rising by 12.80%. The CASA ratio stood at 37.97% as of December 31, 2025.
Profitability saw a significant uptick. Operating profit for Q3FY26 increased by 13% year-on-year to ₹4,193 crore, while net profit grew by 7% year-on-year to ₹2,705 crore. For the nine-month period (9M-FY26), operating profit rose by 4% to ₹12,023 crore, and net profit increased by 14% to ₹7,511 crore.
Net Interest Income (NII) for Q3FY26 stood at ₹6,461 crore, and Non-Interest Income grew by 30% year-on-year to ₹2,279 crore. Net Interest Margin (NIM) for global and domestic operations in Q3FY26 was 2.57% and 2.80%, respectively.
Asset quality improved, with the Gross NPA ratio at 2.26% (down 143 bps YoY) and Net NPA ratio at 0.60% (down 25 bps YoY). The Provision Coverage Ratio (PCR) improved to 93.60%.
The bank added over 7 lakh customers during Q3FY26 through alternate channels, bringing the total UPI customers to 2.42 crore. The share of alternate channels in total transactions increased to approximately 96%. The Capital Adequacy Ratio (CAR) stood at 17.09% as of December 31, 2025.
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