Bank of India (BoI) delivered a standout performance in Q4 FY25, reporting an impressive 82.5% YoY increase in standalone net profit to ₹2,625.91 crore, compared to ₹1,438.91 crore in Q4 FY24. The public sector lender’s robust results, announced on May 9, 2025, highlight its resilience amid a challenging economic environment and its commitment to rewarding shareholders.
The bank’s operating profit soared by 37% YoY to ₹4,885 crore, driven by strong core income and improved asset quality. The provision coverage ratio (PCR) rose by 180 basis points to 92.39%, reflecting BoI’s proactive approach to managing non-performing assets (NPAs).
BOI Announces Dividend for Q4 2025
This improvement in asset quality, coupled with a diversified loan portfolio, has bolstered the bank’s financial stability. BoI announced a dividend of ₹4.05 per equity share for FY25, subject to shareholder approval at the Annual General Meeting on June 27, 2025.
This payout underscores the bank’s focus on delivering consistent returns to investors while maintaining a strong capital base. The dividend announcement comes as a welcome move for shareholders, who have seen the stock navigate volatility over the past year.
The bank’s retail and corporate lending segments performed strongly, with advances growing steadily. BoI’s digital banking initiatives, including enhanced mobile banking and UPI services, have also contributed to customer acquisition and operational efficiency.
“Bank of India’s ability to balance growth and profitability is commendable,” noted a Delhi-based banking expert. “The dividend payout signals confidence in sustained earnings.”
Bank of India shows high growth potential
BoI’s capital adequacy ratio remained healthy, supporting its growth ambitions. The bank is exploring fundraising options to further strengthen its balance sheet, potentially through bond issuances or equity offerings.
With a network of over 5,000 branches, BoI continues to play a pivotal role in financial inclusion, particularly in rural and semi-urban areas. The stock market reacted positively to the results, with BoI shares gaining traction on May 9, 2025.
Also Read : Indian Bank Shines with 32% Profit Surge and Record Dividend in Q4 FY25
Analysts expect the bank to maintain its upward trajectory, driven by its focus on technology-driven banking and customer-centric services. As India’s banking sector navigates global uncertainties, Bank of India’s Q4 performance sets a positive tone for FY26.
