Bank of India — PPTs, 21-01-2026: Investor Presentation

Bank of India posted solid Q3 FY26 financial results. Global Business grew 12.54% YoY, fueled by 11.64% higher Global Deposits and 13.63% increased Global Advances. RAM advances (Retail, Agri, MSME) jumped 18.05% YoY, with Retail up 20.64%. Net Profit rose 7.47% YoY and Operating Profit 13.24% YoY, driven by a 6% NII growth and 30% surge in Non-Interest Income.

The bank is actively driving digital transformation, with 50 products live on its Digital Lending Platform, opening 7.76 lakh loan accounts in Q3. Key developments include new card launches like Star Lakshmi and strengthening its capital base via Tier II Bonds in December 2025. Green finance exposure now exceeds ₹10,700 Cr.

Asset quality improved significantly: Gross NPA decreased 143 bps YoY to 2.26%, and Net NPA dropped 25 bps to 0.60%. RoA was 0.96% and RoE 15.34%. The focus remains on leveraging technology, improving asset quality, and expanding green finance.