Bank of India - Q4 FY 25 RESULTS

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.