Bengaluru, 30 July 2025: Bank of India announced its results for the quarter Q1 FY26. Operating Profit for Q1FY26 grew by 9% YoY to Rs.4,009 crores. Net Profit for Q1FY26 increased by 32% YoY at ₹2,252 crores, ROA and ROE for Q1FY26 stand at 0.82% and 13.55% respectively. The bank’s Net Interest Margin (NIM) of Global and Domestic for Q1FY26 stood at 2.55% and 2.82% respectively.
Bank’s Global Advances grew by 12.02% with Domestic Advances grew by 11.24% YoY. Retail Advances grew by 20% YoY, MSME Advances grew by 17% YoY followed by Agriculture Advances which grew by 12% YoY. Deposits grew by 9.07% YoY with Domestic Deposits grew by 9.62% YoY. CASA Deposit grew by 2.50% YoY and CASA ratio stands at 39.88% as on 30th June, 2025.
On Asset quality front, Net NPA ratio stand at 0.75% improved by 24 bps YoY an PCR improved by 83 bps YoY and stands at 92.94%. Slippage Ratio for FY26 improved by 2 bps YoY and stands at 0.33%. Credit Cost for FY26 improved by 17 bps YoY to 0.68%. Capital Adequacy Ratio (CAR) as at the end of Q1FY26 stands at 17.39%.
As of date, 1 Crore plus customers on-boarded so far through Mobile Banking App “BOI Mobile Omni Neo Bank”. On the digital front, the share of Digital transactions in total transactions increased from ~94.2% in Q1FY25 to ~95.4% in Q1FY26.
