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Bank of India
Bank of India (BANKINDIA) investor relations material
Bank of India Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary21 Jan, 2026
Executive summary
Achieved robust YoY growth in global business (12.54%), advances (13.63%), and deposits (11.64%) for Q3 FY26, with strong performance in domestic and RAM (retail, agriculture, MSME) segments.
Net profit for Q3 FY26 rose 7% YoY to ₹2,705 crore (₹2,70,467 lakh), with 9M net profit up 14% to ₹7,511 crore.
Operating profit increased 13% YoY to ₹4,193 crore (₹4,19,279 lakh), with non-interest income up 30% YoY.
Asset quality improved: GNPA ratio down to 2.26%, NNPA at 0.60%, and PCR at 93.60%.
Launched new digital and product initiatives, including real-time cheque clearing, gig worker loans, and new credit card variants.
Financial highlights
Global business reached INR 16.27 lakh crores, advances at INR 7.40 lakh crores, and deposits at INR 8.87 lakh crores as of December 2025.
Net interest income for Q3 FY26 was ₹6,461 crore, up 6% YoY; non-interest income for Q3 FY26 was ₹2,279 crore, up 30% YoY.
CASA ratio at 37.97% with INR 2.90 lakh crores, though CASA share declined YoY.
Cost-to-income ratio for Q3 FY26 improved to 52.02%; return on assets at 0.96%; return on equity at 15.34%.
CRAR improved to 17.09% from 16% YoY.
Outlook and guidance
Guidance for FY26: global advances growth of 13%-14%, global deposit growth of 11%-12%.
Focus on mobilizing low-cost deposits, growing high-yielding advances, and maintaining NIMs.
Confident of exceeding current growth guidance due to strong credit pipeline, especially in corporate and RAM segments.
NIM expected to be around 2.50% for FY26, with Q4 target at 2.60%.
Capital adequacy ratio improved to 17.09% as of 31.12.25, with plans to raise additional Tier I bonds.
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Next Bank of India earnings date
Q4 25/2622 May, 2026
Bank of India
Next Bank of India earnings date
Q4 25/2622 May, 2026
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