ta, arilmr Boi
Bank *I India
14-4-4 W. Ref No.:HO:IRC:SVM:2025-26: 48 tW Date: 09.05.2025
Scrip Code: BANKINDIA Scrip Code: 532149
The Vice President — Listing The Vice-President — Listing
Department, Department,
National Stock Exchange of India Ltd., BSE Ltd.,
Exchange Plaza, 25, P.J. Towers, Dalal Street,
Bandra Kurla Complex, Bandra East, Mumbai 400 001.
Mumbai 400 051.
Ti1-47/1TftTzET Dear Sir / Madam,
Press Release —
Audited Financial Results (Standalone & Consolidated) for the
4th Quarter / Financial Year ended 31.03.2025
We enclose a copy of the Press Release on the Audited Financial Results
(Standalone & Consolidated) for the 4th Quarter/ Financial Year ended 31.03.2025.
This is for your information & records.
Thanking you,
3-1-
4214 Yours faithfully,
RAJESH
VENKATA
RAJ
UPADHYA
Digitally signed by: RAJESH
VENKATARAJ UPADHYA
DN: CN = RAJESH VENKATARAJ
UPADHYA C = IN O = AADPU0825G
OU = DGM AND COMPANY
SECRETARY
Date: 2025.05.09 16:31:40 +06'30'
(Rajesh V Upadhya)
Company Secretary
Classification: Internal
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, 14, +A% - 400 051
Head Office: Investor Relations Cell, Star House - I, 8th Floor, C-5, G-Block, Bandra Kurla Complex, Bandra (East), Mumbai - 400 051 Ph.: (022)
6668 4490: Fax: (022) 6668 4491 Email: [email protected]
Bank of India
Wefationship beyond 6anking
PRESS RELEASE
Q4FY25 RESULTS
Balance Sheet:
• Bank's Global Advances grew by 13.74% with Domestic Advances grew by
14.45% YoY. Bank's Global Advances crossed t 6 Lakh crores.
• Overseas Advances grew by 9.97% YoY.
• Retail Advances grew by 19.93% YoY, MSME Advances grew by 18.39% YoY
followed by Agriculture Advances which grew by 16.30% YoY and Corporate
Advances grew by 9.59% YoY.
• Bank's Deposits grew by 10.65% YoY with Domestic Deposits grew by 11.21%
YoY. CASA Deposit grew by 3.86% YoY and CASA ratio stands at 40.28% as on
31st March, 2025.
Profitability:
• Operating Profit for FY25 grew by 17% YoY to Rs.16,412 crores while Operating
Profit for Q4FY25 grew by 37% YoY to Rs.4,885 crores.
• Net Profit for FY25 stands at 19,219 crores witnessing growth of 46% YoY. Net Profit
for Q4FY25 grew by 82% YoY to 12,626 crores,
• Bank's ROA and ROE for FY25 stand at 0.90% and 15.27% respectively.
• Net Interest Income (NII) for FY25 increased by 6% YoY.
• Net Interest Margin (NIM) of Global and Domestic for FY25 stand at 2.82% and 3.10%
respectively.
• Global and Domestic NIM for Q4FY25 stand at 2.61% and 2.91% respectively.
Asset Quality:
• Gross NPA ratio at 3.27% improved by 171 bps YoY.
• Net NPA ratio at 0.82% improved by 40 bps YoY.
• PCR improved by 180 bps YoY and stands at 92.39%.
• Slippage Ratio for FY25 improved by 22 bps YoY and stands at 1.36%. Slippage
Ratio for Q4FY25 improved by 6 bps YoY and stands at 0.32%.
• Credit Cost for FY25 improves by 2 bps YoY to 0.76%.
Capital Adequacy:
• Capital Adequacy Ratio (CAR) as at the end of FY25 stands at 17.77%.
Alternate Channels:
• Over 440 services available in Mobile Banking App "BOI Mobile Omni Neo Bank".
• Share of Alternate Channels in total transactions increased from -93.9% in FY24 to
-95.9% in FY25.
. . co
Bank of India - :mom-,
Wgrationship 6eyond 6anktng
Key Summary of Q4FY25 Results
T in Crores Mar-24 Dec-24 Mar-25 YoY % QoQ %
Balance Sheet
Business Mix 13,23,515 14,46,295 14,82,588 12.02% 2.51%
Advances (Global) 5,85,595 6,51,507 6,66,047 13.74% 2.23%
Overseas 93,203 1,05,238 1,02,497 9.97% -2.60%
Domestic 4,92,392 5,46,268 5,63,550 14.45% 3.16%
- RAM Advances 2,72,598 3,11,950 3,22,673 18.37% 3.44%
Deposits (Global) 7,37,920 7,94,788 8,16,541 10.65% 2.74%
Overseas 1,08,203 1,16,163 1,16,243 7.43% 0.07%
Domestic 6,29,717 6,78,626 7,00,298 11.21% 3.19%
Domestic CASA 2,69,872 2,77,190 2,80,284 3.86% 1.12%
CASA Ratio (%) 43.21 41.05 40.28 -293 bps -77 bps
GNPA 29,183 24,048 21,749 -25.47% -9.56%
NNPA 6,845 5,410 5,359 -21.70% -0.93%
in Crores Q4FY24 Q3FY25 Q4FY25 YoY % QoQ % FY24 FY25 YoY %
Profit & Loss
Interest Income 16,162 18,211 18,323 13.37% 0.62% 60,709 70,826 16.66%
Interest Expenses 10,226 12,140 12,260 19.90% 0.99% 37,657 46,432 23.30%
Net Interest Income 5,936 6,070 6,063 2.14% -0.12% 23,053 24,394 5.82%
NI M, % (Domestic) 3.30 2.98 2.91 - 39 bps -7 bps 3.34 3.10 - 24 bps
Operating Profit 3,557 3,703 4,885 37.32% 31.93% 14,069 16,412 16.66%
Profit after Tax 1,439 2,517 2,626 82.49% 4.34% 6,318 9,219 45.92%
YoY QoQ YoY
Ratios (%) Q4FY24 Q3FY25 Q4FY25 FY24 FY25
bps bps bps
Asset Quality
GNPA 4.98 3.69 3.27 -171 -42 4.98 3.27 -171
NNPA 1.22 0.85 0.82 -40 -3 1.22 0.82 -40
PCR 90.59 92.48 92.39 180 -9 90.59 92.39 180
Slippage Ratio 0.38 0.19 0.32 -6 13 1.58 1.36 -22
Credit Cost 1.70 0.48 0.84 -86 36 0.78 0.76 -2
Capital Ratios
CET-1 ratio 14.24 12.96 14.84 60 188 14.24 14.84 60
Tier-1 ratio 14.93 13.60 15.47 54 187 14.93 15.47 54
CAR 16.96 16.00 17.77 81 177 16.96 17.77 81
