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SMA-2 book doubled to ₹4,120 crore
View Risks →Bank of India — Q3 FY26
Bank of India reported a solid Q3 FY26 with net profit of ₹2,750 crore (+9.3% YoY) and operating profit of ₹4,193 crore (+13% YoY).
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Bank of India reported a solid Q3 FY26 with net profit of ₹2,750 crore (+9.3% YoY) and operating profit of ₹4,193 crore (+13% YoY). Global advances grew 13.6% YoY to ₹7.40 lakh crore, driven by RAM (retail, agriculture, MSME) growth of 18% YoY. Net interest margin improved 16 bps sequentially to 2.57% aided by portfolio churn from low-yielding AAA advances to higher-yielding assets. Asset quality improved sharply with GNPA down 143 bps YoY to 2.26% and PCR at 93.6%. Management guided for FY26 global advances growth of 13-14% and deposits growth of 11-12%, with a strong corporate pipeline of ₹65,000 crore supporting near-term momentum. Key risk: SMA-2 book doubled to ₹4,120 crore, largely from three state government accounts, though backed by guarantees.
बैंक ऑफ इंडिया ने तीसरी तिमाही में 2,750 करोड़ रुपये का शुद्ध लाभ कमाया, जो पिछले साल से 9.3% ज्यादा है। परिचालन लाभ 4,193 करोड़ रुपये रहा, जो 13% बढ़ा। बैंक ने कुल कर्ज 13.6% बढ़ाकर 7.40 लाख करोड़ रुपये किया, खासकर खुदरा, कृषि और छोटे व्यवसायों को ज्यादा कर्ज देकर। ब्याज आय का अंतर 2.57% हो गया, जो पिछली तिमाही से बेहतर है। खराब कर्ज घटकर 2.26% रह गया, जो पिछले साल से 1.43% कम है। बैंक ने इस साल कर्ज 13-14% और जमा 11-12% बढ़ाने का लक्ष्य रखा है। हालांकि, कुछ राज्य सरकारों के खातों में कर्ज न चुकाने का जोखिम बढ़ा है, लेकिन उन पर गारंटी है।
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Global Advances Growth
₹7.40 lakh crore
+13.6% YoY
Global advances increased from ₹6.51 lakh crore in Dec'24 to ₹7.40 lakh crore in Dec'25.
RAM Advances Growth
₹3.65 lakh crore
+18.0% YoY
Retail, agriculture and MSME advances grew 18% YoY, now 58.5% of domestic advances.
Gross NPA Ratio
2.26%
-143 bps YoY
GNPA improved from 3.69% in Dec'24 to 2.26% in Dec'25, reflecting better asset quality.
Slippage Ratio
0.16%
-3 bps YoY
Slippage ratio improved from 0.19% in Q3 FY25 to 0.16% in Q3 FY26.
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Guidance and risk preview
Management guided global advances growth at 13-14% for FY26, supported by a corporate pipeline of ₹65,000 crore.
SMA-2 (overdue 61-90 days) increased from ₹2,200 crore to ₹4,120 crore, largely from three state government accounts, though backed by guarantees.
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