Summary

Bank of India's global advances grew by 13.63% YoY in Q3FY26, with domestic advances growing at 15.16% YoY. The bank's global business crossed the 16 Lakh crores milestone. Overseas advances grew by 5.70% YoY, retail advances by 20.64% YoY, agriculture advances by 16.69% YoY, MSME advances by 15.77% YoY, and corporate advances by 11.32% YoY. The bank's deposits grew by 11.64% YoY with domestic deposits growing by 12.80% YoY. The CASA deposit grew by 4.48% YoY and the CASA ratio stands at 37.97% as on 31st December, 2025. The operating profit for 9M-FY26 increased by 4% YoY and stood at INR 12,023 crores, while the operating profit for Q3FY26 increased by 13% YoY and stood at INR 4,193 crores. The net profit for 9M-FY26 increased by 14% YoY at INR 7,511 crores, and for Q3FY26, it grew by 7% YoY to INR 2,705 crores.

Key Highlights

1. 1

   Global Advances grew by 13.63% YoY

2. 2

   Domestic Advances growth at 15.16% YoY

3. 3

   Global Business crossed 16 Lakh crores milestone

4. 4

   Overseas Advances grew by 5.70% YoY

5. 5

   Retail Advances grew by 20.64% YoY

6. 6

   Agriculture Advances grew by 16.69% YoY

7. 7

   MSME Advances grew by 15.77% YoY

8. 8

   Corporate Advances grew by 11.32% YoY

9. 9

   Deposits grew by 11.64% YoY

10. 10

    Domestic Deposits grew by 12.80% YoY

11. 11

    CASA Deposit grew by 4.48% YoY

12. 12

    Operating Profit for 9M-FY26 increased by 4% YoY

13. 13

    Operating Profit for Q3FY26 increased by 13% YoY

14. 14

    Net Profit for 9M-FY26 increased by 14% YoY

15. 15

    Net Profit for Q3FY26 grew by 7% YoY

16. 16

    Net Interest Margin (NIM) of Global and Domestic for 9M-FY26 stood at 2.51%

17. 17

    Global and Domestic NIM for Q3FY26 stood at 2.57% and 2.80% respectively

18. 18

    Bank’s ROA and ROE for 9M-FY26 stood at 0.90% and 14.49% respectively

19. 19

    ROA and ROE for Q3-FY26 increased to 0.96% and 15.34% respectively

20. 20

    Gross NPA ratio at 2.26% improved by 143 bps YoY

21. 21

    Net NPA ratio at 0.60% improved by 25 bps YoY

22. 22

    Slippage Ratio for Q3FY26 improved by 3 bps YoY and stands at 0.16%

23. 23

    Capital Adequacy Ratio as on 31.12.2025 stands at 17.09%

24. 24

    7 Lakh+ customers added during Q3-FY26