Bank of India Q4 Results FY26 PAT Rs 3,741 Crore FY26 Profit Rs 10,527 Crore Dividend Rs 4.65
- May 11, 2026
- Posted by: Kashish Aggarwal
- Category: News
Bank of India Q4 results for FY26 delivered strong growth with quarterly net profit at Rs 3,741 crore, up 14.7% year on year. The Bank of India Q4 results were announced on May 8, 2026, with full year FY26 standalone net profit reaching Rs 10,527 crore. The consolidated FY26 net profit stood at Rs 10,306 crore.
The Bank of India Q4 FY26 board recommended a dividend of Rs 4.65 per equity share (46.50% of face value Rs 10), with record date May 29, 2026. The Bank of India Q4 results highlighted improved asset quality with Gross NPA ratio at 1.98% and Net NPA at 0.56%, alongside a healthy Capital Adequacy Ratio of 18.01%.
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Bank of India Q4 FY26 Results at a Glance
| Metric | Q4 FY26 | Change / Context |
|---|---|---|
| Q4 Net Profit PAT | Rs 3,741 crore | +14.7% YoY |
| FY26 Standalone PAT | Rs 10,527 crore | Strong delivery |
| FY26 Operating Profit | Rs 17,049 crore | Healthy growth |
| Dividend | Rs 4.65 per share | 46.50% payout |
| Gross NPA Ratio | 1.98% | Improved |
| Capital Adequacy Ratio | 18.01% | Strong |
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Key Highlights from Bank of India Q4 FY26 Results
Strong Business Growth Across Segments
The Bank of India Q4 results FY26 reflected strong business momentum with global business mix at Rs 16.99 lakh crore (+14.57% YoY). Global deposits grew 13.56% to Rs 9.27 lakh crore while global advances rose 15.82% to Rs 7.71 lakh crore. The Bank of India Q4 overseas advances grew 14.25% to Rs 1.17 lakh crore, indicating diversified credit growth across domestic and international operations.
Asset Quality and Capital Position Both Improve
Asset quality in the Bank of India Q4 results FY26 improved with Gross NPA ratio declining to 1.98% and Net NPA at 0.56%. The Bank of India Q4 capital adequacy ratio (Basel III) of 18.01% reflects robust financial stability. During FY26, the bank raised Rs 2,500 crore through Basel III Tier-II bonds and Rs 10,000 crore through Infrastructure Bonds in December 2025, strengthening its long-term resource base.
What Drove Bank of India Q4 FY26 Performance
The Bank of India Q4 results were driven by healthy advances growth across retail, MSME, and corporate segments. Operating profit for FY26 stood at Rs 17,049 crore on a standalone basis. The Bank of India Q4 deposit franchise continued to expand with double-digit growth, while improving asset quality reduced credit costs. The bank’s strong capital position supports its growth trajectory and dividend payout capacity.
Outlook for FY27 After Bank of India Q4 Results
Following the Bank of India Q4 results FY26, the bank is well-positioned for FY27 with strong capital buffers and improving asset quality. The Bank of India Q4 results infrastructure bond issuance supports long-term lending capacity in affordable housing and infrastructure. Continued credit growth and NIM management will be key drivers of FY27 earnings momentum.
Conclusion
Bank of India Q4 results FY26 delivered Q4 PAT of Rs 3,741 crore up 14.7% and FY26 PAT of Rs 10,527 crore. The Bank of India Q4 results dividend of Rs 4.65, GNPA improvement to 1.98%, and CAR at 18.01% confirm balance sheet strength. Investors tracking the Bank of India Q4 results should watch FY27 credit growth pace and NIM trajectory amid RBI rate cycle.
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Disclaimer: Investment in the share market is subject to risk. This article is for informational and educational purposes only and does not constitute investment advice. Univest analysts are SEBI-registered research analysts (SEBI RA: INH000012449). Verify all numbers before investing. Consult a SEBI-registered financial advisor before making any investment decisions.
Frequently Asked Questions
What was Bank of India Q4 FY26 PAT?
The Bank of India Q4 results FY26 reported standalone net profit of Rs 3,741 crore, up 14.7% year on year, reflecting strong loan growth and improved asset quality across the bank’s operations.
What is Bank of India FY26 full year profit?
Full year FY26 standalone PAT for Bank of India reached Rs 10,527 crore, while consolidated FY26 PAT was Rs 10,306 crore as confirmed in the Bank of India Q4 results FY26 announcement.
What dividend did Bank of India declare for FY26?
Bank of India Q4 board recommended a dividend of Rs 4.65 per equity share (46.50% of face value Rs 10) for FY26 with record date May 29, 2026, alongside the Bank of India Q4 results.
What is Bank of India GNPA in Q4 FY26?
The Bank of India Q4 results FY26 reported Gross NPA ratio of 1.98% and Net NPA ratio of 0.56%, reflecting significant asset quality improvement during the fiscal year.
What is Bank of India capital adequacy ratio?
Capital Adequacy Ratio in the Bank of India Q4 results FY26 stood at 18.01% (Basel III), reflecting strong capital buffer supported by Rs 2,500 crore Tier-II bond and Rs 10,000 crore Infrastructure bond issuances in FY26.
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