Bank of India Q4 Results 2025: Net Profit Surges 82.5 Percent to ₹2626 Crore
Bank of India has posted an impressive 82.5 percent rise in net profit for Q4 FY2025, driven by strong operating performance and improved asset quality.
Key Highlights:
Bank of India Q4 Results 2025: Strong Growth in Net Profit
Bank of India has announced its financial results for the fourth quarter of the fiscal year 2025, showcasing a remarkable 82.5 percent increase in net profit. The public sector lender reported a net profit of ₹2626 crore for Q4 FY2025, compared to ₹1439 crore in the same period last year.
The robust performance was driven by a combination of strong growth in interest income, improved asset quality, and efficient cost management. This substantial profit growth has highlighted Bank of India’s resilience and strategic focus on maintaining a balanced portfolio.
Key Financial Highlights
- Net Profit: ₹2626 crore, up 82.5 percent year-on-year
- Total Income: ₹15506 crore, showing a steady rise from ₹13729 crore last year
- Net Interest Income (NII): ₹4735 crore, an increase of 15 percent compared to the previous year
- Operating Profit: ₹4992 crore, up 12 percent year-on-year
- Gross Non-Performing Assets (GNPA): Reduced to 6.8 percent from 8.2 percent in Q4 FY2024
- Net Non-Performing Assets (NNPA): Declined to 1.7 percent from 2.3 percent last year
Bank of India’s solid financial performance in Q4 FY2025 was marked by a significant rise in net interest income, which benefited from improved interest margins and higher loan disbursements.
Strategic Initiatives and Asset Quality Improvement
Bank of India has continued its focus on strengthening asset quality, which is evident in the decline in both gross and net non-performing assets. The GNPA ratio improved to 6.8 percent, while the NNPA ratio fell to 1.7 percent.
The bank attributed this improvement to strong recovery efforts, prudent provisioning, and a focus on quality lending practices. Bank of India also emphasized its commitment to digital transformation and customer-centric banking solutions.
Dividend Announcement
Alongside its Q4 results, Bank of India has declared a final dividend of ₹5 per share for its shareholders. This reflects the bank’s strong financial health and its intention to reward investors.
The dividend payout is subject to approval at the upcoming Annual General Meeting (AGM).
What Lies Ahead
Looking ahead, Bank of India aims to sustain its growth momentum by focusing on expanding its loan book, improving asset quality further, and leveraging digital banking solutions.
The bank is expected to continue its efforts in cost optimization and enhance its profitability through better interest management and customer acquisition.
Investors and stakeholders are likely to keep a close watch on the bank’s performance, especially in the context of evolving economic conditions.
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