by Suman Gupta
MUMBAI, 8 MAY, 2026 : Bank of India (BOI) has reported strong provisional results for the fourth quarter (Q4FY26) and the full financial year ended March 31, 2026, featuring double-digit growth in business operations. Rajneesh Karnatak Managing Director and CEO of Bank of India addressed the media gathering at the press conference alongwith other executive directors.
Key Highlights (Provisional – Q4FY26):Global Business: Increased by 14.53% year-on-year (YoY) to Rs 16.98 lakh crore.Global Deposits: Grew by 13.58% YoY to Rs 9.27 lakh crore.Global Advances (Gross): Rose 15.69% YoY to Rs 7.70 lakh crore.Domestic RAM Advances: Recorded high growth of 18.63% YoY, reaching Rs 3,82,796 crore.
Operational & Financial Performance: Total Deposits (Domestic): Rose 14.33% YoY to Rs 8.00 lakh crore.Asset Quality: The bank reported robust growth in deposits and advances for the full financial year 2025–26, with both segments increasing by over Rs 1 lakh crore for the first time. Performance Trend: The bank sustained momentum through the year following a strong 82.5% jump in net profit during Q4 FY25.
Profitability:
Net Profit for FY26 zoomed to 10,527 crore witnessing growth of 14.19% YoY. Net Profit for Q4FY26 increased by 14.85% YoY to Rs 3,016 crore.
Operating Profit for FY26 grew by 3.88% YoY to Rs 17,049 crore while Operating Profit for Q4FY26 grew by 2.88% YoY to 5,026 crore.
Bank’s ROA and ROE for Q4FY26 increased to 1.01% and 16.36% respectively.
Net Interest Income (NII) for FY26 increased by 3.19% YoY.
Global and Domestic Net Interest Margin (NIM) for FY26 stood at 2.52% and 2.78% respectively.
Global and Domestic NIM for Q4FY26 stood at 2.58% and 2.84% respectively.
Balance Sheet:
Bank’s Global Business Mix registered a growth of 14.57% YoY and crossed 16.98 Lakh crore.
Global Deposits grew by 13.56% YoY and crossed 9.27 Lakh crore.
Global Advances increased by 15.82% YoY and crossed 7.71 Lakh crore.
Overseas Advances registered growth of 14.25% YoY and touched Rs 1.17 Lakh crore.
Retail Advances increased by 21.19% YoY, MSME Advances grew by 17.68% YoY followed by Agriculture Advances with 17.60% YoY and Corporate Advances by 12.08% YOY. RAM Advances share increased to 58.74%.
CASA Deposits increased by 7.30% YoY and CASA ratio stood at 37.64% as on 31st March, 2026.
Asset Quality:
Gross NPA ratio at 1.98% improved by 129 bps YoY.
Net NPA ratio at 0.56% improved by 26 bps YoY.
PCR improved by 118 bps YoY and stands at 93.57%.
Slippage Ratio for FY26 improved by 53 bps YoY and stood at 0.83%. Slippage Ratio for Q4FY26 improved by 14 bps YoY and stood at 0.18%.
Credit Cost for FY26 improved by 28 bps YoY to 0.48%.
Capital Adequacy:
Capital Adequacy Ratio (CRAR) as on 31.03.2026 stands at 18.01%.
Alternate Channels:
51 Lakh+ customers added during FY26, taking total UPI customers to 271 Lakh+.
Number of transactions through Alternate Delivery Channels increased to 7.6 billion, with a growth of 22% YoY.
