CRISIL Reaffirms Bank of India's Tier I and Tier II Bond Ratings with Stable Outlook
The reaffirmation of credit ratings with a stable outlook maintains investor confidence and indicates stability in the bank's financial health, which is important for its funding profile and market perception. Although not an upgrade, it confirms the bank's current strong standing.
CRISIL's reaffirmation of stable ratings for Bank of India's Tier I and Tier II bonds, along with Certificate of Deposits, reflects continued strong government support, established market position, and comfortable resource profile. The asset quality has shown improvement, and earnings have stabilized, indicating a positive trajectory for the bank.
CRISIL Ratings Limited has reaffirmed the credit ratings for Bank of India's Non-Convertible Tier I and Tier II Bonds, along with its Certificate of Deposits, as per the announcement dated 20 August 2025. * The Tier I Bonds have been reaffirmed at 'AA/Stable'. * The Tier II Bonds have been reaffirmed at 'AA+/Stable'. * The Certificate of Deposits have been reaffirmed at 'Crisil A1+'.
CRISIL highlights the following key strengths for the ratings: * Strong support from the Government of India (GoI), which is the majority shareholder (approximately 73.38% stake post December 2023 QIP), and has regularly infused capital into the bank. * Established market position with gross advances of ₹6.7 lakh crore and total business of ₹15.1 lakh crore as on June 30, 2025, supported by a wide network of 5,328 branches. * Comfortable resource profile characterized by a large deposit base and a healthy mix of low-cost current account and savings account (CASA) deposits, which stood at approximately 39.9% of total domestic deposits as on June 30, 2025.
The rating rationale also noted moderate, albeit improving, asset quality, with Gross Non-Performing Assets (GNPA) declining to 2.92% as on June 30, 2025. Earnings are considered average but have stabilized, with a return on assets (RoA) of 0.9% in fiscal 2025 and a consolidated net profit of ₹1,764 crore for the quarter ended June 30, 2025. The outlook on the ratings remains 'Stable', and liquidity is strong, with a liquidity coverage ratio of approximately 119% for the quarter ended March 31, 2025.
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