Bank of India Q3FY26 Results: Net Profit Rises to ₹2,704.67 Crore
Bank of India reported Q3FY26 net profit of ₹2,704.67 crore standalone and ₹2,812.29 crore consolidated. Total income was ₹21,205.95 crore standalone and ₹21,379.21 crore consolidated. Capital Adequacy Ratio stood at 17.09% standalone and 17.57% consolidated. Gross NPA was 2.26% and Net NPA was 0.60%.
The results show a stable financial performance with moderate profit growth, which is positive for the bank's stakeholders.
The net profit increased year-on-year and quarter-on-quarter, and key financial ratios like Capital Adequacy Ratio and NPA ratios remain stable and healthy.
Bank of India announced its unaudited financial results for the third quarter and nine months ended December 31, 2025. The Board of Directors approved the standalone and consolidated financial results during a meeting held on January 21, 2026. The meeting commenced at 3:10 PM and concluded at 4:10 PM.
For the third quarter ended December 31, 2025, the Bank reported a net profit of ₹2,70,467 lakh (₹2,704.67 crore) on a standalone basis, and ₹2,81,229 lakh (₹2,812.29 crore) on a consolidated basis. Interest earned stood at ₹18,92,713 lakh (₹18,927.13 crore) standalone and ₹19,05,183 lakh (₹19,051.83 crore) consolidated.
Total income for the quarter was ₹21,20,595 lakh (₹21,205.95 crore) standalone and ₹21,37,921 lakh (₹21,379.21 crore) consolidated. Operating expenses were ₹4,54,672 lakh (₹4,546.72 crore) standalone and ₹4,61,940 lakh (₹4,619.40 crore) consolidated. Provisions and contingencies amounted to ₹57,599 lakh (₹575.99 crore) standalone and ₹58,205 lakh (₹582.05 crore) consolidated.
The bank also disclosed its Capital Adequacy Ratio (Basel III) at 17.09% standalone and 17.57% consolidated. The Gross NPA ratio was reported at 2.26% standalone and consolidated, while the Net NPA ratio stood at 0.60% standalone and consolidated. Earnings per share (EPS) basic and diluted was ₹5.94 standalone and ₹6.18 consolidated for the quarter.
During the quarter, the Bank redeemed Basel III compliant Tier II Bonds amounting to ₹3,000 crore and raised new bonds including Basel III Tier-II Bonds for ₹2,500 crore and Infrastructure Bonds for ₹10,000 crore.
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.