Bank of India Reports Strong Financial Performance with 14.19% Net Profit Growth in FY26

Bank of India Reports Strong Financial Performance with 14.19% Net Profit Growth in FY26​

Bank of India announced its audited financial results for the 4th Quarter and Financial Year ended March 31, 2026, reporting significant growth across key financial metrics.

The bank’s Net Profit for FY26 reached ₹ 10,527 crore, marking a 14.19% increase Year-over-Year (YoY). On a quarterly basis, Net Profit for Q4FY26 grew by 14.85% YoY to ₹ 3,016 crore.

Operating profitability also demonstrated robust growth. Operating Profit for FY26 grew by 3.88% YoY to ₹ 17,049 crore. For Q4FY26, Operating Profit saw a growth of 2.88% YoY, amounting to ₹ 5,026 crore.

Profitability and Efficiency Ratios​

The bank maintained strong operational efficiencies, with the Return on Assets (ROA) and Return on Equity (ROE) for Q4FY26 increasing to 1.01% and 16.36%, respectively.

The Net Interest Income (NII) for FY26 increased by 3.19% YoY. Key Net Interest Margin (NIM) metrics saw substantial performance:

• The Global NIM for FY26 stood at 2.52%.
• The Domestic NIM for FY26 was 2.78%.
• For Q4FY26, the Global NIM was 2.58%, and the Domestic NIM was 2.84%.

Balance Sheet Growth​

The bank's balance sheet registered substantial growth across its global operations. The Global Business Mix increased by 14.57% YoY, crossing ₹16.98 Lakh crore.

Liability growth was driven by both global and domestic deposits. Global Deposits increased by 13.56% YoY to over ₹ 9.27 Lakh crore. Simultaneously, Global Advances grew by 15.82% YoY, reaching ₹ 7.71 Lakh crore.

Specific loan segments showed strong expansion:

• Overseas Advances grew by 14.25% YoY, touching ₹1.17 Lakh crore.
• Retail Advances grew sharply by 21.19% YoY.
• MSME Advances grew by 17.68% YoY, followed by Agriculture Advances (17.60% YoY) and Corporate Advances (12.08% YoY).
• The bank's overall CASA Deposits increased by 7.30% YoY, bringing the CASA ratio to 37.64% as of March 31, 2026.

Asset Quality and Capital Strength​

The bank showed significant improvement in asset quality metrics. The Gross NPA ratio declined to 1.98%, an improvement of 129 basis points (bps) YoY. The Net NPA ratio improved by 26 bps YoY, recording 0.56%.

Efficiency indicators also improved:

• The Priority Sector Coverage Ratio (PCR) improved by 118 bps YoY, standing at 93.57%.
• The Slippage Ratio for FY26 improved by 53 bps YoY, at 0.83%. For Q4FY26, the Slippage Ratio improved by 14 bps YoY to 0.18%.
• Credit Cost for FY26 improved by 28 bps YoY to 0.48%.

Regarding capital strength, the Capital Adequacy Ratio (CRAR) as of March 31, 2026, stands at 18.01%.

Operational Highlights​

In terms of outreach, the bank added over 51 Lakh customers during FY26, bringing the total UPI customer base to 271 Lakh+. Furthermore, the volume of transactions through Alternate Delivery Channels increased to 7.6 billion, reflecting a growth of 22% YoY.

Financial Summary: Key Metrics (₹ in Crores)​

The following table summarizes the core financial performance metrics from the last three years:



Note: Figures presented are Standalone & Consolidated results for the period ended March 31, 2026.

BANKINDIA Stock Price Movement​

Bank of India shares slipped by 0.33% today, settling at ₹139.77 after trading on a volume of 10.45 million shares. The stock's price finished within the day's range of ₹138.16 to ₹140.25.