Bank of India's Q4FY25 Quarter Results
- 10 May 2025
Result Summary
- Bank of India reported a 10.0% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 8.2%.
- Its expenses for the quarter were down by 11.6% QoQ and up 15.9% YoY.
- The net profit decreased 40.3% QoQ and increased 11.4% YoY.
- The earnings per share (EPS) of Bank of India stood at 3.5 during Q4FY25.
Financial Statments for Q4FY25
| (₹ crores) | Q4FY25 | Q3FY25 | Q4FY24 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 18080.20 | 20097.68 | 16715.95 | -10.0% | 8.2% |
Total Expenses | 14435.23 | 16334.50 | 12455.69 | -11.6% | 15.9% |
Provisions & contingencies | 1847.92 | 316.53 | 2082.07 | 483.8% | -11.2% |
Profit Before Tax | 1797.05 | 3446.65 | 2178.19 | -47.9% | -17.5% |
Tax | 298.04 | 887.85 | 789.99 | -66.4% | -62.3% |
Profit After Tax | 1573.82 | 2638.17 | 1412.70 | -40.3% | 11.4% |
Earnings Per Share | 3.50 | 5.80 | 3.40 | -39.7% | 2.9% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
Bank of India is a prominent financial institution operating within the banking sector. Founded in 1906, it provides a broad range of banking services, including personal banking, corporate banking, and international banking. The bank offers products such as savings accounts, loans, credit facilities, and investment services. While recent developments are not specified, the bank continues to be a key player in the financial services industry with a significant presence in India and global markets. Information regarding any specific recent major developments is not available.
Revenue
In the fourth quarter of the fiscal year 2025 (Q4FY25), Bank of India reported a total income of ₹18,080.20 crores. This reflects a decrease of 10.0% compared to the third quarter of fiscal year 2025 (Q3FY25), where the total income was ₹20,097.68 crores. However, the total income for Q4FY25 represents an increase of 8.2% compared to the fourth quarter of fiscal year 2024 (Q4FY24), which was ₹16,715.95 crores. These figures indicate fluctuations in quarterly income but an overall year-over-year growth.
Profitability
The profitability metrics for Bank of India in Q4FY25 show a notable variation when compared to both the previous quarter and the same quarter in the previous year. The profit before tax for Q4FY25 was ₹1,797.05 crores, a decline of 47.9% from Q3FY25, which was ₹3,446.65 crores. Compared to Q4FY24, the profit before tax decreased by 17.5% from ₹2,178.19 crores. The profit after tax in Q4FY25 was ₹1,573.82 crores, marking a 40.3% reduction from the previous quarter’s ₹2,638.17 crores, but showing an increase of 11.4% compared to the ₹1,412.70 crores in Q4FY24. The earnings per share in Q4FY25 was ₹3.50, down from ₹5.80 in Q3FY25 and slightly up from ₹3.40 in Q4FY24.
Operating Metrics
The total expenses for Bank of India in Q4FY25 were ₹14,435.23 crores, which is 11.6% lower than the ₹16,334.50 crores reported in Q3FY25. When compared to Q4FY24, the total expenses have increased by 15.9% from ₹12,455.69 crores. Provisions and contingencies rose sharply to ₹1,847.92 crores in Q4FY25, a significant 483.8% increase from the previous quarter’s ₹316.53 crores, but a decrease of 11.2% from ₹2,082.07 crores in Q4FY24. The tax expense for Q4FY25 was ₹298.04 crores, which is a reduction of 66.4% from Q3FY25’s ₹887.85 crores and a 62.3% decrease from the ₹789.99 crores reported in Q4FY24. These operating metrics reflect significant changes in expenses and provisions.
