Bank of India Reports 13% YoY Growth In Q3 FY26 Operating Profit At ₹4,193 crore –

Bank Of India Q3 Report:

Bank of India announced its financial results for the third quarter of FY26, reporting a strong performance across key parameters. The bank’s operating profit for Q3 FY26 rose by 13% year-on-year (YoY) to ₹4,193 crore, while operating profit for the nine-month period ended FY26 increased 4% YoY to ₹12,023 crore.

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Net profit for the nine-month period stood at ₹7,511 crore, reflecting a 14% YoY growth. For Q3 FY26, net profit grew 7% YoY to ₹2,705 crore.

The bank’s profitability ratios showed improvement, with Return on Assets (ROA) and Return on Equity (ROE) for Q3 FY26 rising to 0.96% and 15.34%, respectively. For the nine-month period, ROA and ROE stood at 0.90% and 14.49%.

Global and domestic Net Interest Margins (NIM) for Q3 FY26 were recorded at 2.57% and 2.80%, respectively. For 9M FY26, global and domestic NIM stood at 2.51% and 2.76%.

Domestic advances grew by 15.16% YoY, while global advances increased by 13.63% YoY. The bank’s global business crossed the milestone of ₹16 lakh crore. Retail advances surged 20.64% YoY, agriculture advances grew 16.69% YoY, MSME advances rose 15.77% YoY, and corporate advances expanded 11.32% YoY. The RAM segment’s share in total advances increased to 58.54%.

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Deposits grew 11.64% YoY, led by 12.80% YoY growth in domestic deposits. CASA deposits rose 4.48% YoY, with the CASA ratio standing at 37.97% as of December 31, 2025.

Net Interest Income (NII) for 9M FY26 stood at ₹18,442 crore, while Q3 FY26 NII was ₹6,461 crore. Non-interest income for Q3 FY26 rose 30% YoY to ₹2,279 crore, and increased 20% YoY to ₹6,665 crore for the nine-month period.

Asset quality continued to improve, with the Gross NPA ratio declining to 2.26%, an improvement of 143 basis points YoY, while Net NPA reduced to 0.60%, improving by 25 basis points YoY. The Provision Coverage Ratio (PCR) improved by 112 basis points YoY to 93.60%. The slippage ratio for Q3 FY26 improved to 0.16%, and credit cost reduced to 0.42% for 9M FY26 and 0.34% for Q3 FY26.

The bank’s Capital Adequacy Ratio remained healthy at 17.09%.

On the digital front, over 7 lakh customers were added during Q3 FY26, taking the total UPI customer base to 242 lakh+. Transactions through alternate channels accounted for nearly 96% of total transactions during the quarter.

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