Summary

Bank of India has reported a 12.02% growth in Global Advances in Q1FY26. The bank's Global Business has crossed 15 Lakh crores. Domestic Advances grew by 11.24% YoY, while Overseas Advances grew by 16.34% YoY. Retail Advances grew by 20% YoY, MSME Advances grew by 17% YoY, and Agriculture Advances grew by 12% YoY. The bank's Deposits grew by 9.07% YoY with Domestic Deposits grew by 9.62% YoY. The bank's Operating Profit for Q1FY26 grew by 9% YoY to Rs.4,009 crores, and Net Profit for Q1FY26 increased by 32% YoY at £2,252 crores. The bank's ROA and ROE for Q1FY26 stand at 0.82% and 13.55% respectively. The bank's Gross NPA ratio at 2.92% improved by 170 bps YoY, and Net NPA ratio at 0.75% improved by 24 bps YoY. The bank's Capital Adequacy Ratio (CRAR) as at the end of Q1FY26 stands at 17.39%.

Key Highlights

1. 1

   Bank’s Global Advances grew by 12.02% with Domestic Advances grew by 11.24% YoY

2. 2

   Bank’s Global Business crossed = 15 Lakh crores

3. 3

   Overseas Advances grew by 16.34% YoY

4. 4

   Retail Advances grew by 20% YoY, MSME Advances grew by 17% YoY followed by Agriculture Advances which grew by 12% YoY

5. 5

   Bank’s Deposits grew by 9.07% YoY with Domestic Deposits grew by 9.62% YoY

6. 6

   CASA Deposits grew by 2.50% YoY and CASA ratio stands at 39.88% as on 30% June, 2025

7. 7

   Operating Profit for Q1FY26 grew by 9% YoY to Rs.4,009 crores

8. 8

   Net Profit for Q1FY26 increased by 32% YoY at £2,252 crores

9. 9

   Bank’s ROA and ROE for Q1FY26 stand at 0.82% and 13.55% respectively

10. 10

    Global and Domestic Net Interest Margin (NIM) for Q1FY26 stood at 2.55% and 2.82% respectively

11. 11

    Yield on Advances (Global) for QIFY26 stood at 8.01% and Cost of Deposits (Global) stood at 4.85% for Q1FY26

12. 12

    Gross NPA ratio at 2.92% improved by 170 bps YoY

13. 13

    Net NPA ratio at 0.75% improved by 24 bps YoY

14. 14

    Capital Adequacy Ratio (CRAR) as at the end of Q1FY26 stands at 17.39%