Bank of India has announced its unaudited financial results for the second quarter and half-year ended September 30, 2025. Key highlights include an operating profit of ₹3,820.85 crore and a net profit of ₹2,554.57 crore. The results reflect the bank’s performance across various segments, including treasury, wholesale banking, and retail banking. The Gross NPA ratio is at 2.54%, with a capital adequacy ratio of 16.69%.
Financial Performance Highlights
Bank of India’s Board of Directors approved the unaudited standalone and consolidated financial results for Q2 and the half-year ended September 30, 2025. The bank reported an operating profit of ₹3,820.85 crore and a net profit of ₹2,554.57 crore.
Key Financial Figures
Here are some of the key financial figures from the report:
- Total Income: ₹20,625.92 crore for the quarter.
- Interest Earned: ₹18,406.09 crore for the quarter.
- Total Expenses: ₹16,805.07 crore for the quarter.
- Gross NPA: 2.54%.
- Net NPA: 0.65%.
- Capital Adequacy Ratio: 16.69%.
Segmental Performance
The bank’s performance across various segments is as follows:
- Treasury Operations: Revenue of ₹5,840.21 crore.
- Wholesale Banking Operations: Revenue of ₹6,788.02 crore.
- Retail Banking Operations: Revenue of ₹8,078.14 crore.
Capital and Liabilities
The statement of assets and liabilities includes:
- Capital: ₹4,553.41 lakh.
- Reserves and Surplus: ₹77,286.71 lakh.
- Deposits: ₹8,533,013.9 lakh.
Additional Information
The consolidated financial results include four domestic subsidiaries, four overseas subsidiaries, one joint venture, and six associates. The bank is also compliant with regulatory requirements regarding capital adequacy and liquidity standards, with relevant disclosures available on its website.
Source: BSE