Bank of India has reported a steady financial performance for the third quarter of FY26, reflecting resilience across key operational metrics despite a challenging macro environment. The public sector lender recorded a 13% year-on-year growth in operating profit for Q3 FY26, which stood at ₹4,193 crore, underscoring consistent momentum in its core banking operations.
For the nine-month period ended FY26, Bank of India’s operating profit rose by 4% year-on-year to ₹12,023 crore, while net profit for the same period increased by a robust 14% to ₹7,511 crore. Net profit for Q3 FY26 grew 7% year-on-year to ₹2,705 crore, supported by improved return ratios, stable margins, and disciplined balance sheet management.
Bank’s Domestic Advances registered a growth of 15.16% YoY and Global Advances registered a growth of 13.63% YoY. Bank’s Global Business crossed ₹ 16 Lakh crores milestone. Retail Advances grew by 20.64% YoY, Agriculture Advances grew by 16.69% YoY followed by MSME Advances which grew by 15.77% YoY and Corporate Advances grew by 11.32% YoY. RAM % share in Advances increased to 58.54%. Bank’s Deposits grew by 11.64% YoY with Domestic Deposits grew by 12.80% YoY. CASA Deposit grew by 4.48% YoY and CASA ratio stands at 37.97% as on 31st December, 2025
Net Interest Income (NII) for 9M-FY26 stood at ₹ 18,442 crores and for Q3-FY26 stood at ₹ 6,461 crores. Non-Interest Income for Q3-FY26 grew by 30% YoY at 2,279 crores and increased in 9M-FY26 by 20% YoY at ₹ 6,665 crores
Gross NPA ratio at 2.26% improved by 143 bps YoY. Net NPA ratio at 0.60% improved by 25 bps YoY. PCR improved by 112 bps YoY and stands at 93.60%. Slippage Ratio for Q3FY26 improved by 3 bps YoY and stands at 0.16%. Credit Cost for 9M-FY26 improved by 30 bps YoY to 0.42% and for Q3FY26 improved by 5 bps YoY to 0.34%.
Capital Adequacy Ratio stands at 17.09%
On the digital and alternate channels front, 7 Lakh+ customers added during Q3-FY26, taking total UPI customers to 242 Lakh+. The share of alternate channels in total transactions increased to ~96% in Q3-FY26.
