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BANK OF INDIA
Quarterly Results Analysis [Dec2025]

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BANK OF INDIA Quarterly Results

Consolidated Dec2025
UnAudited
Sep2025
UnAudited
Jun2025
UnAudited
Mar2025
UnAudited
Dec2024
Audited
Sep2024
Audited
Jun2024
Audited
Mar2024
Audited
Interest Earned ₹19,052 Cr ₹18,521 Cr ₹18,467 Cr ₹18,479 Cr ₹18,317 Cr ₹17,466 Cr ₹17,046 Cr ₹16,250 Cr
Other Income ₹2,327 Cr ₹2,218 Cr ₹2,211 Cr ₹3,455 Cr ₹1,780 Cr ₹2,532 Cr ₹1,338 Cr ₹1,830 Cr
Interest Expended ₹12,504 Cr ₹12,530 Cr ₹12,321 Cr ₹12,333 Cr ₹12,166 Cr ₹11,403 Cr ₹10,693 Cr ₹10,242 Cr
Expenses ₹4,619 Cr ₹4,358 Cr ₹4,287 Cr ₹4,683 Cr ₹4,169 Cr ₹4,394 Cr ₹3,964 Cr ₹4,193 Cr
Operating Income ₹4,256 Cr ₹3,852 Cr ₹4,070 Cr ₹4,918 Cr ₹3,763 Cr ₹4,201 Cr ₹3,727 Cr ₹3,645 Cr
Provisions and contingencies ₹582 Cr ₹492 Cr ₹1,112 Cr ₹1,366 Cr ₹317 Cr ₹1,062 Cr ₹1,305 Cr ₹1,848 Cr
Profit Before Tax ₹3,674 Cr ₹3,361 Cr ₹2,439 Cr ₹3,551 Cr ₹3,447 Cr ₹3,138 Cr ₹2,422 Cr ₹1,797 Cr
Profit After Tax ₹2,750 Cr ₹2,526 Cr ₹1,764 Cr ₹2,648 Cr ₹2,559 Cr ₹2,399 Cr ₹1,734 Cr ₹1,499 Cr
% of Net NPAs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
% of Gross NPAs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EPS ₹6.18 ₹5.66 ₹4.02 ₹5.71 ₹5.79 ₹5.32 ₹4.15 ₹3.46
Industry Peers & Returns1W1M1Y
BANK OF INDIA 3.1% 7.4% 67.2%
STATE BANK OF INDIA -0.6% 13.6% 64.5%
PUNJAB NATIONAL BANK 0.6% 4.2% 36.4%
BANK OF BARODA 5% 7.3% 47.8%
INDIAN OVERSEAS BANK 1.5% 5.5% -22.6%
UNION BANK OF INDIA 3.9% 12.3% 70.3%
CANARA BANK 3.1% 5.7% 80.1%
INDIAN BANK 4.6% 9% 87.1%
UCO BANK 2.9% 3.7% -25%

BANK OF INDIA Quarterly Net Interest Income

[ Net Interest Income = Interest Earned - Interest Expended ]
Net Interest Income
Q-o-Q

9.28 %

Y-o-Y

6.44 %

Quarters Net Interest Income % Change
Dec2025 ₹6,548 Cr
9.28
Sep2025 ₹5,992 Cr
-2.51
Jun2025 ₹6,146 Cr
-0.01
Mar2025 ₹6,146 Cr
-0.08
Dec2024 ₹6,152 Cr
1.46
Sep2024 ₹6,063 Cr
-4.56
Jun2024 ₹6,353 Cr
5.73
Mar2024 ₹6,009 Cr -

BANK OF INDIA Quarterly Operating Profit

Operating Profit
Q-o-Q

10.46 %

Y-o-Y

13.08 %

Quarters Operating Profit % Change
Dec2025 ₹4,256 Cr
10.46
Sep2025 ₹3,852 Cr
-5.34
Jun2025 ₹4,070 Cr
-17.24
Mar2025 ₹4,918 Cr
30.67
Dec2024 ₹3,763 Cr
-10.41
Sep2024 ₹4,201 Cr
12.71
Jun2024 ₹3,727 Cr
2.25
Mar2024 ₹3,645 Cr -
Operating Margins
Q-o-Q

1.07 %

Y-o-Y

6.24 %

Quarters Operating Margin% % Change
Dec2025 64.99%
1.07
Sep2025 64.3%
-2.90
Jun2025 66.22%
-17.24
Mar2025 80.01%
30.80
Dec2024 61.17%
-11.71
Sep2024 69.28%
18.08
Jun2024 58.67%
-3.28
Mar2024 60.66% -

BANK OF INDIA Quarterly Profit After Tax

Profit After Tax(PAT)
Q-o-Q

8.88 %

Y-o-Y

7.47 %

Quarters Profit After Tax % Change
Dec2025 ₹2,750 Cr
8.88
Sep2025 ₹2,526 Cr
43.18
Jun2025 ₹1,764 Cr
-33.38
Mar2025 ₹2,648 Cr
3.47
Dec2024 ₹2,559 Cr
6.67
Sep2024 ₹2,399 Cr
38.31
Jun2024 ₹1,734 Cr
15.70
Mar2024 ₹1,499 Cr -
PAT Margins
Q-o-Q

5.79 %

Y-o-Y

3.29 %

Quarters PAT Margin(%) % Change
Dec2025 14.43 %
5.79
Sep2025 13.64 %
42.83
Jun2025 9.55 %
-33.36
Mar2025 14.33 %
2.58
Dec2024 13.97 %
1.75
Sep2024 13.73 %
35.00
Jun2024 10.17 %
10.30
Mar2024 9.22 % -

BANK OF INDIA Quarterly Earnings Per Share (EPS)

EPS
Q-o-Q

9.19 %

Y-o-Y

6.74 %

Quarters EPS % Change
Dec2025 ₹6.18
9.19
Sep2025 ₹5.66
40.80
Jun2025 ₹4.02
-29.60
Mar2025 ₹5.71
-1.38
Dec2024 ₹5.79
8.83
Sep2024 ₹5.32
28.19
Jun2024 ₹4.15
19.94
Mar2024 ₹3.46 -

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