Bank of India’s Performance Analyzed
Bank of India showed a strong increase in profits and growth in Q3 of 2025/26. Their net profit jumped 7.47% to Rs 2,705 crore, and total income rose by 6.25% to Rs 21,205.95 crore. This means the bank is doing well and growing its business.
Key Points
- Bank profit increased by 7.47% to Rs 2,705 crore.
- Total income grew 6.25% to Rs 21,205.95 crore.
- Bad loans (GNPA) significantly decreased by 143 bps.
- Non-performing loans (NNPA) fell 25 bps to 0.60%.
- Retail advances grew fastest at 20.64% YoY.
- The bank’s focus is on lending to small businesses.
The bank’s success is partly due to fewer bad loans. Gross Non-Performing Assets (GNPA) fell to 2.26% – that’s down from 3.69% before. Similarly, Net Non-Performing Assets (NNPA) dropped to 0.60% from 0.85%. This shows the bank is managing its loans better.
The bank also has a lot more money to lend. Global deposits jumped 11.64% to Rs 8,87,288 crore, and domestic deposits increased 12.80% YoY to Rs 7,65,499 crore. They’re lending more money to businesses and individuals.
The bank is lending heavily to areas that are growing quickly, like small businesses. Retail advances (loans to individuals and small businesses) grew by a big 20.64%. Agriculture advances grew by 16.69% and MSME advances by 15.77%. This means the bank is investing in future growth.
However, loans to big companies (Corporate Advances) only increased by 11.32% during the same period. This shows the bank’s strategy of prioritizing lending to smaller, faster-growing sectors. Their focus on Retail, Agriculture, and MSME advances now accounts for 58.54% of all their loans.
The bank’s financial strength is also good. Its Capital Adequacy Ratio (CRAR) is 17.09%. This means the bank has enough money saved to cover any unexpected problems. The Tier 1 CRAR is 14.36% and CET -1 ratio is 13.76%.
“Bank of India’s strategic shift towards high-growth sectors is driving strong financial results and solidifying its position in the Indian banking landscape.”
