Bank of India has released the transcript of its post-results earnings call for the third quarter ended December 31, 2025. The call, held on January 21, 2026, featured MD & CEO Shri Rajneesh Karnatak along with other senior management. During the call, the bank highlighted several initiatives including the implementation of CTS Continuous Clearing, the introduction of the BOI Surya Shakti Scheme for farmers, and new credit card variants like the Celestia Credit Card and Rupay Women’s Credit Card. Business numbers showed a 12.54% YoY growth in global business to ₹16,27,602 crore, with global gross advances increasing by 13.63% to ₹7,40,314 crore and global deposits growing by 11.64% to ₹8.87 lakh crore. Profitability saw a 13% YoY increase in operating profit to ₹4,193 crore and a 7% increase in net profit to ₹2,705 crore. Asset quality improved with Gross NPA ratio at 2.26% and Net NPA ratio at 0.60%. The bank provided guidance for FY26, expecting global advances growth of 13-14% and global deposit growth of 11-12%, with a focus on mobilizing low-cost deposits and strengthening asset quality. Discussions also covered the performance of RAM advances, digital initiatives, and the bank's strategy for managing deposits and yields amidst a competitive environment. The bank is investing significantly in IT, with approximately 10% of operating expenses allocated to IT operations.
