SMA-2 book doubled to ₹4,120 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.
medium · analyst_questionBank 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).
bullish
high
Financial stats pending filing verification
Risk Intelligence
Material risks this quarter
Concise cards keep the risk register scannable while preserving evidence-level context in the underlying quarter data.
Risks
CASA ratio declining structural pressure
CASA ratio fell from 41% to 38% YoY due to shift of deposits to alternative investments, increasing reliance on bulk deposits.
medium · analyst_questionYield on advances down 80 bps in 9 months
Yield on advances declined due to 125 bps repo rate cuts, with 64% of book linked to EBLR, pressuring NIMs.
medium · analyst_questionECL implementation impact on capital
Expected Credit Loss framework may impact CRAR by ~2% (₹9,200-9,400 crore), though spread over 5 years at 0.40% per annum.
low · analyst_question