Bank of In's Q4 FY 2025-26 Quarterly Results

Result Summary

• Bank of India reported a 6.9% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Mar (Q4 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 4.2%.
• Its expenses for the quarter were up by 3.8% QoQ and 4.4% YoY.
• The net profit increased 9.8% QoQ and increased 18.7% YoY.
• The earnings per share (EPS) of Bank of India stood at 6.78 during Q4 FY 2025-26.

Financial Statments for Q4 FY 2025-26

---

Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

Bank of India is a prominent financial institution operating in the banking sector. As a major player in the banking industry, it provides a comprehensive range of financial services to its clientele, including retail banking, corporate banking, and treasury operations. The bank caters to a diverse customer base, offering services such as savings and current accounts, loans, credit facilities, and investment products. Recent developments in the banking industry often revolve around regulatory changes, technological advancements in digital banking, and shifts in economic conditions influencing financial markets and consumer behavior. Specific recent developments affecting Bank of India are not available from the provided data.

Revenue

During the fourth quarter of the fiscal year 2026 (Q4FY26), Bank of India reported a total income of ₹22,852.87 crores. This represents a quarter-over-quarter (QoQ) increase of 6.9% from ₹21,379.21 crores in Q3FY26. Additionally, compared to the same quarter in the previous fiscal year (Q4FY25), total income grew by 4.2% from ₹21,933.55 crores. The growth in revenue can be attributed to various factors such as an increase in interest income, fee-based income, or other service-related income streams, although specific details for these components are not available in the provided financial data.

Profitability

Bank of India achieved a profit before tax (PBT) of ₹4,079.36 crores in Q4FY26, marking an 11.0% QoQ growth from ₹3,673.52 crores reported in Q3FY26. Year-over-year (YoY), the PBT increased by 14.9% from ₹3,551.26 crores in Q4FY25. The profit after tax (PAT) for Q4FY26 was ₹3,088.90 crores, reflecting a 9.8% QoQ improvement from ₹2,814.27 crores and an 18.7% YoY increase from ₹2,602.32 crores. The tax expense for the quarter was ₹1,029.70 crores, growing by 11.5% QoQ and 14.0% YoY. Earnings per share (EPS) for Q4FY26 stood at ₹6.78, up 9.7% QoQ and 18.5% YoY, indicating enhanced shareholder returns.

Operating Metrics

Total expenses for Bank of India in Q4FY26 were ₹17,771.33 crores, which is a 3.8% increase QoQ from ₹17,123.64 crores in Q3FY26 and a 4.4% increase YoY from ₹17,016.03 crores in Q4FY25. Provisions and contingencies saw a significant rise of 72.2% QoQ to ₹1,002.18 crores from ₹582.05 crores in Q3FY26, but decreased by 26.6% YoY from ₹1,366.26 crores in Q4FY25. The substantial QoQ increase in provisions and contingencies might reflect adjustments for potential credit losses or other unforeseen financial obligations, though specific reasons are not detailed in the data provided. These operating figures are critical for understanding the bank's cost management and risk assessment during this period.