Bank of India Reports 46% YoY Growth in Net Profit for FY25, Advances Cross ₹ 6 Lakh Crores

Bank of India has reported a 46% YoY growth in net profit for the financial year ended 31.03.2025, standing at ₹ 9,219 crores. The bank's global advances crossed ₹ 6 lakh crores, with domestic advances growing by 14.45% YoY. Overseas advances grew by 9.97% YoY, retail advances by 19.93% YoY, MSME advances by 18.39% YoY, agriculture advances by 16.30% YoY, and corporate advances by 9.59% YoY. The bank's deposits grew by 10.65% YoY with domestic deposits growing by 11.21% YoY. The CASA deposit grew by 3.86% YoY and the CASA ratio stands at 40.28%. The bank's operating profit for FY25 grew by 17% YoY to ₹ 16,412 crores and by 37% YoY to ₹ 4,885 crores for Q4FY25. The bank's ROA and ROE for FY25 stand at 0.90% and 15.27% respectively. The net interest income (NII) for FY25 increased by 6% YoY. The net interest margin (NIM) of global and domestic for FY25 stand at 2.82% and 3.10% respectively. The gross NPA ratio at 3.27% improved by 171 bps YoY. The net NPA ratio at 0.82% improved by 40 bps YoY. The PCR improved by 180 bps YoY and stands at 92.39%. The slippage ratio for FY25 improved by 22 bps YoY and stands at 1.36%. The credit cost for FY25 improves by 2 bps YoY to 0.76%. The capital adequacy ratio (CAR) as at the end of FY25 stands at 17.77%.