Bank of India (BOI) reported a net profit of ₹2,704.67 crore for Q3 2026, compared to ₹2,516.69 crore in the corresponding quarter of the previous year. The bank’s total income increased to ₹21,205.95 crore. Gross NPA ratio stood at 2.26%, while Net NPA ratio was 0.60%. The Capital Adequacy Ratio was 17.09%. These results reflect BOI’s performance in a challenging market environment, highlighting both successes and areas needing improvement.
Financial Performance Overview
Bank of India’s (BOI) Board of Directors approved the unaudited standalone and consolidated financial results for Q3 2026 on January 21, 2026.
Key Financial Highlights (Standalone)
- Net Profit: ₹2,704.67 crore for Q3 2026, compared to ₹2,516.69 crore for Q3 2025.
- Total Income: ₹21,205.95 crore for Q3 2026 (₹19,956.89 crore in Q3 2025).
- Interest Earned: ₹18,927.13 crore (up from ₹18,210.52 crore in Q3 2025).
- Operating Profit: ₹4,192.79 crore.
Asset Quality
- Gross NPA: Amounted to ₹16,714.40 crore with a ratio of 2.26%.
- Net NPA: Amounted to ₹4,359.25 crore with a ratio of 0.60%.
Capital Adequacy
- Capital Adequacy Ratio (Basel III): 17.09%
- CET 1 Ratio: 13.76%
Segment-Wise Performance
BOI’s revenue breakdown is as follows:
- Treasury Operations: ₹5,697.74 crore
- Wholesale Banking Operations: ₹7,272.83 crore
- Retail Banking Operations: ₹8,312.19 crore
Other Key Updates
BOI redeemed Basel III compliant Tier II Bonds amounting to ₹3,000 Crore and raised additional bonds.
BOI is holding 100% provision for NCLT accounts, aggregating to ₹2,944.95 Crore.
Source: BSE
