Bank of India (BOI) has received reaffirmations and assignments of credit ratings for its various debt instruments from CRISIL Ratings. The bank's Basel-III compliant Tier I Bonds have been reaffirmed at 'CRISIL AA/Stable', Tier II Bonds at 'CRISIL AA+/Stable', and Infrastructure Bonds have been assigned a rating of 'CRISIL AA+/Stable'. Additionally, the Certificate of Deposits have been reaffirmed at 'CRISIL A1+'. The ratings reflect the expectation of strong support from the majority stakeholder, the Government of India (GoI), alongside BOI's established market position and comfortable resource profile. These strengths are balanced against a moderate, though improving, asset quality and an average earnings profile. As of September 30, 2025, BOI's consolidated capital adequacy ratios were reported at 15.1% for Tier 1 and 17.2% for overall capital to risk-weighted assets (CRAR). Gross advances stood at ₹7.1 lakh crore, marking a 14.0% year-on-year growth. The bank's deposit base remains strong, with domestic low-cost CASA deposits at 39.4% of total domestic deposits. Asset quality has shown improvement, with Gross Non-Performing Assets (GNPA) at 2.5% as of September 30, 2025, down from 3.3% as of March 31, 2025. The bank's provision coverage ratio was a comfortable 93.4% as of September 30, 2025. Liquidity coverage ratio was 119% for the quarter ended September 30, 2025. CRISIL noted that the ESG profile of BOI supports its strong credit risk profile, highlighting initiatives like a green deposit scheme and strong gender diversity among employees. The outlook for the credit risk profile is 'Stable'.