BoI’s Operating Profit Grew To Rs41.93 Bn

Gross NPA ratio at 2.26% improved by 143 bps YoY.

The briefing was addressed by the Bank’s top management, including the Managing Director & CEO Shri Rajneesh Karnatak and all four Executive Directors.

FinTech BizNews Service

Mumbai, 21 January 2026: Bank of India announced its results for the Q3 FY26. Operating Profit for Q3FY26 increased by 13% YoY and stood at Rs 4,193 crores, while Operating Profit for 9M-FY26 increased by 4% YoY and stood at Rs 12,023 crores.

Net Profit for 9M-FY26 increased by 14% YoY at Rs 7,511 crores. Net Profit for Q3FY26 grew by 7% YoY to Rs2,705 crores Bank’s ROA and ROE for Q3-FY26 increased to 0.96% and 15.34% respectively. ROA and ROE for 9M-FY26 stood at 0.90% and 14.49% respectively.  Bank’s Global and Domestic NIM for Q3FY26 stood at 2.57% and 2.80% respectively. Net Interest Margin (NIM) of Global and Domestic for 9M-FY26 stood at 2.51% and 2.76% respectively.

Bank’s Domestic Advances registered a growth of 15.16% YoY and Global Advances registered a growth of 13.63% YoY. Bank’s Global Business crossed Rs 16 Lakh crores milestone. Retail Advances grew by 20.64% YoY, Agriculture Advances grew by 16.69% YoY followed by MSME Advances which grew by 15.77% YoY and Corporate Advances grew by 11.32% YoY. RAM % share in Advances increased to 58.54%. Bank’s Deposits grew by 11.64% YoY with Domestic Deposits grew by 12.80% YoY. CASA Deposit grew by 4.48% YoY and CASA ratio stands at 37.97% as on 31st December, 2025

Net Interest Income (NII) for 9M-FY26 stood at Rs 18,442 crores and for Q3-FY26 stood at Rs 6,461 crores. Non-Interest Income for Q3-FY26 grew by 30% YoY at 2,279 crores and increased in 9M-FY26 by 20% YoY at Rs 6,665 crores

Gross NPA ratio at 2.26% improved by 143 bps YoY. Net NPA ratio at 0.60% improved by 25 bps YoY.  PCR improved by 112 bps YoY and stands at 93.60%. Slippage Ratio for Q3FY26 improved by 3 bps YoY and stands at 0.16%. Credit Cost for 9M-FY26 improved by 30 bps YoY to 0.42% and for Q3FY26 improved by 5 bps YoY to 0.34%.

Capital Adequacy Ratio stands at 17.09%

On the digital and alternate channels front, 7 Lakh+ customers added during Q3-FY26, taking total UPI customers to 242 Lakh+. The share of alternate channels in total transactions increased to 96% in Q3-FY26.