Bank of India Reports 14% Growth in Global Advances and 8% Increase in Net Profit for Q2FY26

Bank of India has announced its unaudited (reviewed) financial results for the 2nd quarter and half-year ended 30.09.2025. The bank's global advances grew by 14% and domestic advances by 14.73 year-over-year (YoY). The bank's global advances crossed INR 7 Lakh crores, with retail advances growing by 19.96%, MSME advances by 16.46%, agriculture advances by 13.65%, and corporate advances by 11.69% YoY. The bank's deposits grew by 10.08% YoY, with domestic deposits growing by 8.53%. The CASA deposit grew by 3.95% and the CASA ratio stands at 39.39% as of 30th September 2025. The bank's operating profit for H1-FY26 stood at INR 7,830 crores and for Q2FY26 stood at INR 3,821 crores. The net profit for H1-FY26 increased by 18% YoY to INR 4,807 crores, and for Q2FY26 grew by 8% YoY to INR 2,555 crores. The bank's ROA and ROE for H1-FY26 stood at 0.87% and 14.14% respectively, and for Q2-FY26 increased to 0.91% and 14.94% respectively. The net interest income (NII) for H1-FY26 stood at INR 11,981 crores and for Q2-FY26 stood at INR 5,912 crores. The net interest margin (NIM) for H1-FY26 stood at 2.48% and 2.74% for domestic operations. The gross NPA ratio at 2.54% improved by 187 bps YoY, and the net NPA ratio at 0.65% improved by 29 bps YoY. The provision coverage ratio (PCR) improved by 117 bps YoY and stands at 93.39%. The bank added 7 lakh+ customers during Q2-FY26, taking the total UPI customers to 235 lakh+. The share of alternate channels in total transactions increased to ~96% in Q2-FY26.