Bank of India Shines in Q4FY25 with 82% Profit Surge and Strong Loan Growth

Bank of India reported total global advances (loans) increased by 13.74% year-on-year (YoY), crossing ₹6 lakh crore. Domestic loans grew by 14.45%, while loans from overseas operations increased by 9.97% YoY. 

Segment-Wise Growth 

• Retail loans rose by 19.93% 
    

• MSME loans went up by 18.39% 
    

• Agriculture loans increased by 16.30% 
   

• Corporate loans grew by 9.59% 

Read More, ITC Announces Dividend and Q4 FY25 Results Date: 7 Key Points You Should Know.    

Deposit Growth 

• Total deposits rose by 10.65% YoY, with domestic deposits up 11.21%. 
   

• CASA (Current Account Savings Account) deposits grew by 3.86%. 
   

• CASA ratio stood at 40.28% as of March 31, 2025. 
   

Profit and Income Performance 

• Operating profit for FY25 increased by 17% YoY to ₹16,412 crore. 
   

• Q4FY25 operating profit surged 37% YoY to ₹4,885 crore. 
   

• Net profit for FY25 grew sharply by 46% to ₹19,219 crore. 
   

• Q4FY25 net profit jumped by 82% to ₹12,626 crore. 
   

• Return on Assets (ROA) and Return on Equity (ROE) for FY25 were 0.90% and 15.27%, respectively. 
   

• Net Interest Income (NII) for FY25 grew by 6% YoY. 
    

• Net Interest Margins (NIM): 
    

• For FY25: 2.82% (Global), 3.10% (Domestic) 
    

• For Q4FY25: 2.61% (Global), 2.91% (Domestic) 
   

Asset Quality Improvement 

• Gross NPA ratio improved by 1.71% YoY to 3.27%. 
   

• Net NPA ratio dropped by 0.40% to 0.82%. 
   

• Provision Coverage Ratio (PCR) rose by 1.80% to 92.39%. 
   

• Slippage ratio (new bad loans as a % of total loans) improved: 
   

• FY25: Down by 22 bps to 1.36% 
    

• Q4FY25: Down by 6 bps to 0.32% 
   

• Credit cost for FY25 slightly improved by 2 bps to 0.76%. 

About Bank of India 

Bank of India (BoI) is a public sector bank based in Bandra Kurla Complex, Mumbai. Established in 1906, it became a government-owned entity after nationalisation in 1969. BoI was also one of the founding members of SWIFT, a global platform that enables secure and efficient financial messaging and processing. 

On May 9, shares of Bank of India Ltd (NSE: BANKINDIA) closed at ₹110.50, up 2.45% for the day. The stock opened at ₹104.20 and hit a high of ₹111.22 during the session. It has a market capitalisation of ₹50,310 crore, a price-to-earnings (P/E) ratio of 5.90, and offers a dividend yield of 2.53%. The stock's 52-week high and low are ₹144.40 and ₹90.05 respectively. The quarterly dividend amount is ₹0.70 per share. 

Conclusion 

Bank of India’s robust Q4 and FY25 performance reflects strong loan growth, improved profitability, and healthier asset quality. With a focus on digital banking and continued credit expansion, the bank appears well-positioned for sustainable growth in the coming fiscal year. 

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