Bank Of India has informed the Exchange regarding 'Outcome of Board Meeting - Unaudited (Reviewed) Financial Results for the 1st Quarter ended 30.06.2025 '.
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Bank of India reported Q1 FY26 standalone net profit of ₹2,252 crore, up 32% from ₹1,703 crore in Q1 FY25, helped by lower provisioning and a sharp improvement in asset quality. Total income rose to ₹20,518 crore from ₹18,240 crore (~12.5% YoY), with net interest income driven by advances growing to ₹6,57,753 crore. Gross NPAs improved to 2.92% from 4.62% YoY and net NPAs to 0.75% from 0.99%, while provision coverage ratio stood at 92.94%. The bank also booked a ₹518.80 crore exceptional item in consolidated results due to the amalgamation of Regional Rural Banks (RRBs) it sponsors, which auditors flagged as an Emphasis of Matter. Capital adequacy (Basel III) was healthy at 17.39% with CET1 at 14.52%.
Strong profit growth, improving asset quality, and robust capital position are positive signals for shareholders. However, operating margin compressed slightly to 19.54% from 20.16% YoY, and the RRB-related exceptional item may draw short-term attention. Overall, results are supportive of a stable outlook on the stock.