Bank of India Reports Strong Q3FY26 Results; Net Profit Rises to ₹2,705 Crore

Mumbai, January 21, 2026 – Public sector lender Bank of India announced its unaudited financial results for the quarter ended December 31, 2025, showcasing robust growth in profitability and a continued strengthening of its balance sheet.

Financial Highlights for Q3FY26 (Standalone)

Net Profit: The bank reported a net profit of ₹2,705 crore for the quarter, a healthy increase from ₹2,517 crore in the same period last year.
Net Interest Income (NII): Improved to ₹6,461 crore, up from ₹6,071 crore in Q3FY25.
Operating Profit: Grew by 13.2% year-on-year to ₹4,193 crore.
Asset Quality: Demonstrated significant improvement. Gross Non-Performing Assets (GNPA) ratio declined to 2.26% from 3.69% a year ago. The Net NPA ratio stood at a low 0.60% compared to 0.85% in December 2024.
Provision Coverage Ratio (PCR): Strengthened to an impressive 93.60% as of December 31, 2025.
Capital Adequacy: The bank remains well-capitalized with a Capital Adequacy Ratio (CAR) at 17.09% under Basel III norms.

Performance Snapshot: Q3FY26 vs Q3FY25 (Standalone)

Net Profit: ₹2,705 Cr (↑ from ₹2,517 Cr)
Net Interest Income: ₹6,461 Cr (↑ from ₹6,071 Cr)
Gross NPA Ratio: 2.26% (↓ from 3.69%)
Net NPA Ratio: 0.60% (↓ from 0.85%)

Management Commentary

The Board of Directors approved the results in a meeting held today. The bank's performance reflects a consistent focus on credit growth, prudent risk management, and resolution of stressed assets.

Key Business Developments

Capital Raising: During the quarter, the bank successfully raised ₹12,500 crore through bonds. This included ₹2,500 crore in Basel III Tier-II Bonds and a significant ₹10,000 crore through long-term infrastructure bonds, aligning with the national focus on infrastructure development.
Segment Performance: The Retail Banking segment continued to be a strong performer, contributing significantly to the overall profit before tax. The Treasury and Wholesale Banking segments also reported healthy earnings.
Advances & Deposits: The bank's global advances stood at ₹7.33 lakh crore, while deposits aggregated to ₹8.91 lakh crore as of December 31, 2025.

Consolidated Performance

On a consolidated basis, incorporating subsidiaries, joint ventures, and associates, the net profit for Q3FY26 was ₹2,812 crore.

Outlook

Bank of India's results for the third quarter underscore a trajectory of sustainable growth, characterized by enhanced profitability, robust asset quality, and a strong capital position. The successful fundraising provides the bank with ample resources to support future credit growth, particularly in priority and infrastructure sectors.

The bank stated that the information is also available on its website at www.bankofindia.bank.in.