Bank of India has announced its unaudited financial results for the second quarter and half-year ended September 30, 2025. The bank reported a 14% increase in Global Advances, with Domestic Advances up by 14.73% YoY. Net Profit for H1-FY26 increased by 18% YoY to ₹4,807 crores. Asset quality improved, with Gross NPA ratio at 2.54%.
Financial Performance Highlights
Bank of India announced its financial results for Q2FY26 and H1FY26, showcasing significant growth and improvements across key metrics.
Key Balance Sheet Figures
- Global Advances: Grew by 14% YoY, with Domestic Advances increasing by 14.73% YoY.
- Global Advances: Crossed ₹7 Lakh crores.
- Overseas Advances: Increased by 10.40% YoY.
- Retail Advances: Rose by 19.96% YoY.
- MSME Advances: Grew by 16.46% YoY.
- Agriculture Advances: Increased by 13.65% YoY.
- Corporate Advances: Grew by 11.69% YoY.
- Deposits: Increased by 10.08% YoY, with Domestic Deposits up by 8.53% YoY.
- CASA Deposit: Grew by 3.95% YoY.
- CASA ratio: Stood at 39.39% as of September 30, 2025.
Profitability Metrics
- Operating Profit for H1-FY26: Stood at ₹7,830 crores.
- Operating Profit for Q2FY26: Stood at ₹3,821 crores.
- Net Profit for H1-FY26: Increased by 18% YoY to ₹4,807 crores.
- Net Profit for Q2FY26: Grew by 8% YoY to ₹2,555 crores.
- ROA for H1-FY26: Stood at 0.87%.
- ROE for H1-FY26: Stood at 14.14%.
- ROA for Q2-FY26: Increased to 0.91%.
- ROE for Q2-FY26: Increased to 14.94%.
- Net Interest Income (NII) for H1-FY26: Stood at ₹11,981 crores.
- Net Interest Income (NII) for Q2-FY26: Stood at ₹5,912 crores.
- Net Interest Margin (NIM) for H1-FY26 (Global): Stood at 2.48%.
- Net Interest Margin (NIM) for H1-FY26 (Domestic): Stood at 2.74%.
- Global NIM for Q2FY26: Stood at 2.41%.
- Domestic NIM for Q2FY26: Stood at 2.66%.
Asset Quality
- Gross NPA ratio: Improved to 2.54%.
- Net NPA ratio: Improved to 0.65%.
- PCR: Improved to 93.39%.
- Slippage Ratio for H1-FY26: Improved to 0.47%.
- Slippage Ratio for Q2FY26: Improved to 0.14%.
- Credit Cost for H1-FY26: Improved to 0.47%.
- Credit Cost for Q2FY26: Improved to 0.28%.
Capital Adequacy
- Capital Adequacy Ratio: Stood at 16.69%.
Alternate Channels
- Added 7 Lakh+ customers during Q2FY26, taking total UPI customers to 235 Lakh+.
- Share of Alternate Channels in total transactions increased to approximately 96% in Q2-FY26.
Source: BSE
