Bank of India — Investor Meet, 28-01-2026: Analysts/Institutional Investor Meet/Con. Call Updates

Bank of India's Q3 FY26 net profit rose 7% YoY to ₹2,705 Cr, with operating profit up 13% to ₹4,193 Cr. Global NIM improved to 2.57%. Asset quality strengthened, with Gross NPA at 2.26% (down 143 bps YoY) and Net NPA at 0.60% (down 25 bps YoY).

Global business grew 12.54% to ₹16.27 lakh Cr, driven by strong 13.63% global advances growth (to ₹7.40 lakh Cr), with RAM advances up 18.05% (to ₹3.68 lakh Cr). The bank is focusing on high-yielding credit and low-cost deposits, having churned its portfolio. New products include those for gig workers and solar agri financing. Management is confident on future RAM growth, maintaining asset quality, and investing in digital tech.