Q4 Financial Year 2025 RESULTS
Balance Sheet :
• Bank’s Global Advances grew by 13.74% with Domestic Advances grew by
14.45% YoY. Bank’s Global Advances crossed ₹ 6 Lakh crores.
• Overseas Advances grew by 9.97% YoY.
• Retail Advances grew by 19.93% YoY, MSME Advances grew by 18.39% YoY
followed by Agriculture Advances which grew by 16.30% YoY and Corporate Advances grew by 9.59% YoY.
• Bank’s Deposits grew by 10.65% YoY with Domestic Deposits grew by 11.21% YoY. CASA Deposit grew by 3.86% YoY and CASA ratio stands at 40.28% as on 31st March, 2025.
Profitability :
• Operating Profit for FY25 grew by 17% YoY to Rs.16,412 crores while Operating Profit for Q4FY25 grew by 37% YoY to Rs.4,885 crores.
• Net Profit for FY25 stands at ₹9,219 crores witnessing growth of 46% YoY. Net Profit for Q4FY25 grew by 82% YoY to ₹2,626 crores,
• Bank’s ROA and ROE for FY25 stand at 0.90% and 15.27% respectively.
• Net Interest Income (NII) for FY25 increased by 6% YoY.
• Net Interest Margin (NIM) of Global and Domestic for FY25 stand at 2.82% and 3.10% respectively.
• Global and Domestic NIM for Q4FY25 stand at 2.61% and 2.91% respectively.
Asset Quality :
• Gross NPA ratio at 3.27% improved by 171 bps YoY.
• Net NPA ratio at 0.82% improved by 40 bps YoY.
• PCR improved by 180 bps YoY and stands at 92.39%.
• Slippage Ratio for FY25 improved by 22 bps YoY and stands at 1.36%. Slippage
Ratio for Q4FY25 improved by 6 bps YoY and stands at 0.32%. • Credit Cost for FY25 improves by 2 bps YoY to 0.76%.
Capital Adequacy:
• Capital Adequacy Ratio (CAR) as at the end of FY25 stands at 17.77%.
Alternate Channels:
• Over 440 services available in Mobile Banking App “BOI Mobile Omni Neo Bank”. • Share of Alternate
Balance Sheet :
• Bank’s Global Advances grew by 13.74% with Domestic Advances grew by
14.45% YoY. Bank’s Global Advances crossed ₹ 6 Lakh crores.
• Overseas Advances grew by 9.97% YoY.
• Retail Advances grew by 19.93% YoY, MSME Advances grew by 18.39% YoY
followed by Agriculture Advances which grew by 16.30% YoY and Corporate Advances grew by 9.59% YoY.
• Bank’s Deposits grew by 10.65% YoY with Domestic Deposits grew by 11.21% YoY. CASA Deposit grew by 3.86% YoY and CASA ratio stands at 40.28% as on 31st March, 2025.
Profitability :
• Operating Profit for FY25 grew by 17% YoY to Rs.16,412 crores while Operating Profit for Q4FY25 grew by 37% YoY to Rs.4,885 crores.
• Net Profit for FY25 stands at ₹9,219 crores witnessing growth of 46% YoY. Net Profit for Q4FY25 grew by 82% YoY to ₹2,626 crores,
• Bank’s ROA and ROE for FY25 stand at 0.90% and 15.27% respectively.
• Net Interest Income (NII) for FY25 increased by 6% YoY.
• Net Interest Margin (NIM) of Global and Domestic for FY25 stand at 2.82% and 3.10% respectively.
• Global and Domestic NIM for Q4FY25 stand at 2.61% and 2.91% respectively.
Asset Quality :
• Gross NPA ratio at 3.27% improved by 171 bps YoY.
• Net NPA ratio at 0.82% improved by 40 bps YoY.
• PCR improved by 180 bps YoY and stands at 92.39%.
• Slippage Ratio for FY25 improved by 22 bps YoY and stands at 1.36%. Slippage
Ratio for Q4FY25 improved by 6 bps YoY and stands at 0.32%. • Credit Cost for FY25 improves by 2 bps YoY to 0.76%.
Capital Adequacy:
• Capital Adequacy Ratio (CAR) as at the end of FY25 stands at 17.77%.
Alternate Channels:
• Over 440 services available in Mobile Banking App “BOI Mobile Omni Neo Bank”. • Share of Alternate Channels in total transactions increased from ~93.9% in FY24 to ~95.9% in FY25.