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Bank of Baroda Results: Latest Quarterly Results & Analysis

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Bank of Baroda 31 Oct 2025 17:36 PM
Result PDF

Q2FY26 Quarterly Result Announced for Bank of Baroda

Bank of Baroda announced Q2FY26 results

  • Net Profit for Q2FY26 stands at Rs 4,809 crore and it stands at Rs 9,351 crore for H1FY26.
  • Net Interest Income for Q2FY26 stands at Rs 11,954 crore ( 2.7% YoY) and at Rs 23,388 crore for H1FY26.
  • Non-Interest Income for Q2FY26 stands at Rs 3,515 crore. Non-Interest Income for H1FY26 grew by 7.0% YoY and stands at Rs 8,189 crore.
  • Global Net Interest Margin (NIM) for Q2FY26 improves by 5 bps sequentially and stands at 2.96%. It stands at 2.93% for H1FY26.
  • Domestic Net Interest Margin (NIM) stands at 3.10% for the quarter, an improvement of 4 bps QoQ. It stands at 3.08% for H1FY26.
  • Operating Profit for the quarter stands at Rs 7,576 crore and at Rs 15,812 crore for H1FY26.
  • Return on Assets (ROA) remains consistently above 1 % and stands at 1.07% for Q2FY26 and 1.04% for H1FY26.
  • Return on Equity (ROE) stands at 15.37% for Q2FY26 and at 14.95% for H1FY26.
  • Asset Quality:
    • Gross NPA Ratio improved to 2.16% in Q2FY26 from 2.50% in Q2FY25.
    • The Net NPA Ratio of the Bank reduced by 3 bps YoY and stands at 0.57% in Q2FY26.
    • BOB's balance sheet remains robust with healthy Provision Coverage Ratio (PCR) of 93.21% with TWO & at 74.13% without TWO.
    • Slippage ratio for Q2FY26 declined by 16 bps YoY and 25 bps QoQ to 0.91 %. It stands at 0.90% for H1FY26.
    • Credit cost remains below 0.75% at 0.29% for Q2FY26 and 0.42% for H1FY26.
  • Capital Adequacy:
    • CRAR of the Bank_stands at 16.54% in Sep'25. Tier-I stood at 14.15% (CET-1 at 13.36%, AT1 at 0.79%) and Tier-II stood at 2.39% as of Sep'25.
    • The CRAR and CET-1 of consolidated entity stands at 16.97% and 13.88% respectively.
    • The liquidity Coverage Ratio (LCR) consolidated stands at 121% (approx).
  • Domestic Advances of the Bank increased to Rs 10,46,506 crore, 11.5% YoY.
  • Global Advances of the Bank increased to Rs 12,78,847 crore, 11.9% YoY.
  • Domestic Deposits increased by 9.7% YoY to Rs 12,71,992 crore in Sep'25.
  • Global Deposits increased by 9.3% YoY to Rs 15,00,012 crore.
  • Domestic CASA deposits registered a growth of 6.6% YoY and stands at Rs 4,88,660 crore as of 30 th September 2025.
  • International Deposits grew by 7.2% on a YoY basis to Rs 2,28,020 crore in Sep'25.
  • Organic Retail Advances grew by 17.6%, led by strong growth across segments such as Mortgage Loan (19.8%), Auto Loan (17.7%), Home Loan (16.5%), Education Loan (14.0%) and Personal Loan (18.6%) on a YoY basis.
  • Agriculture loan portfolio grew by 17.4% YoY to Rs 1,69,703 crore.
  • Organic MSME portfolio grew by 13.9% YoY to Rs 1,44,401 crore.
  • Corporate advances registered a growth of 3.0% YoY and stands at Rs 4,00,682 crore.

Result PDF

Result PDF

Bank of Baroda announced Q1FY26 results

  • Net Profit for Q1FY26 stands at Rs 4,541 crore ( 1.9% YoY) as against Rs 4,458 crore in Q1FY25.
  • Net Interest Income for Q1FY26 stands at Rs 11,435 crore.
  • Non-Interest Income for Q1FY26 stands at Rs 4,675 crore, up by 88% YoY.
  • Global NIM for Q1FY26 stands at 2.91%, with Domestic NIM at 3.06%.
  • Operating Profit for Q1FY26 increased by 15% to Rs 8,236 crore.
  • Cost to Income ratio reduced by 30 bps YoY and stands at 48.87% for Q1FY26.
  • Return on Assets stands at 1.03% for Q1FY26.
  • Return on Equity stands at 15.05% for Q1FY26.
  • Asset Quality
    • Gross NPA of the Bank reduced by 10.7% YoY to Rs 27,572 crore in Q1FY26, with Gross NPA Ratio improving to 2.28% from 2.88% in Q1FY25.
    • Net NPA Ratio reduced by 9 bps to 0.60% in Q1FY26.
    • Provision Coverage Ratio stood at 93.18% (including TWO) and 74.04% (excluding TWO) for Q1FY26.
    • Slippage Ratio stands at 1.16% for Q1FY26.
    • Credit Cost stands at 0.55% for Q1FY26.
  • Capital Adequacy
    • CRAR of the Bank stands at 17.61% in Jun’25. Tier-I stood at 15.15% (CET-1 at 14.12%, AT1 at 1.03%) and Tier-II stood at 2.46% as of Jun’25.
    • CRAR and CET-1 of the consolidated entity stands at 18.29% and 14.84% respectively.
    • Liquidity Coverage Ratio (LCR) consolidated stands at 119% (approx.).
  • Business Performance
    • Domestic Advances increased to Rs 9,91,363 crore, 12.4% YoY.
    • Global Advances increased to Rs 12,07,056 crore, 12.6% YoY.
    • Domestic Deposits increased by 8.1% YoY to Rs 12,04,283 crore in Jun’25.
    • Global Deposits increased by 9.1% YoY to Rs 14,35,634 crore.
    • Domestic CASA Deposits registered a growth of 5.5% YoY and stood at Rs 4,73,637 crore as of 30th June 2025.
    • International Deposits grew by 14.8% YoY to Rs 2,31,351 crore in Jun’25.
    • Organic Retail Advances grew by 17.5%, led by growth in:
      • Mortgage Loan (18.6%)
      • Auto Loan (17.9%)
      • Home Loan (16.5%)
      • Education Loan (15.4%)
      • Personal Loan (19.5%)
    • Agriculture Loan portfolio grew by 16.2% YoY to Rs 1,61,764 crore.
    • Organic MSME portfolio grew by 13.1% YoY to Rs 1,35,660 crore.
    • Corporate Advances registered a growth of 4.2% YoY and stood at Rs 3,70,266 crore.

Result PDF

Bank of Baroda announced Q2FY25 results

  • BOB reported a standalone Net Profit of Rs 5,238 crore in Q2FY25 as against a profit of Rs 4,253 crore in Q2FY24 up by 23.2% YoY. Net Profit for H1FY25 stands at Rs 9,696 crore ( 16.5% YoY) as against Rs 8,323 crore in H1FY24.
  • Net Interest Income (NII) grew by 7.3% YoY to Rs 11,622 crore in Q2FY25. NII for H1FY25 registered a growth of6.4% and stands at Rs 23,222 crore.
  • Non-Interest Income grew to Rs 5,181 crore in Q2FY25 as against Rs 4,171 crore in Q2FY24 registering a YoY growth of 24.2%. Non-Interest Income for H1FY25 stands at Rs 7,669 crore.
  • Global NIM stands at 3.10% in Q2FY25 as against 3.07% in Q2FY24. NIM for H1FY25 stands at 3.14%.
  • Yield on Advances increased to 8.48% in Q2FY25 as against 8.43% in Q2FY24
  • Cost of Deposits increased to 5.12% in Q2FY25 as against 4.92% in Q2FY24.
  • Operating Income for Q2FY25 stands at Rs 16,803 crore, increase of 12% YoY. Operating Income for H1FY25 grew by 5.4% to Rs 30,891 crore.
  • Operating Profit for Q2FY25 stands at IN R 9,477 crore, increase of 18.2% on a YoY basis. Operating Profit for H1FY25 increased by 5.0% to Rs 16,638 crore.
  • Return on Assets (annualised) improved to 1.30% in Q2FY25 from 1.14% in Q2FY24. Return on Assets for H1FY25 stands at 1.20%.
  • Return on Equity (annualised) for Q2FY25 stands at 19.22% and at 17. 79% for H1FY25.
  • For the consolidated entity, Net Profit stood at Rs 5,355 crore in Q2FY25 as against Rs 4,394 crore in Q2FY24.

Asset Quality:

  • The Gross NPA of the Bank reduced by 15.9% YoY to Rs 28,551 crore in Q2FY25 and Gross NPA Ratio improved to 2.50% in Q2FY25 from 3.32% in Q2FY24.
  • The Net NPA Ratio of the Bank stands at 0.60% in Q2FY25 as compared with 0.76% in Q2FY24.
  • The Provision Coverage Ratio of the Bank stood at 93.61% including TWO and 76.31% excluding TWO in Q2FY25.
  • Slippage ratio reduced to 1.07% for Q2FY25 as against 1.81 % for Q2FY24. Slippage ratio also reduced to 0.90% for H1FY25 as against 1.28% in H1FY24.
  • Credit cost remains below 1 % and stands at 0.65% for Q2FY25 and at 0.55% for H1FY25.

Capital Adequacy:

  • CRAR of the Bank stands at 16.26% in Sep'24. Tier-I stood at 14.18% (CET-1 at 12.67%, AT1 at 1.51 %) and Tier-II stood at 2.08% as of Sep'24.
  • The CRAR and CET-1 of consolidated entity stands at 16.67% and 13.17% respectively.
  • The Liquidity Coverage Ratio (LCR) consolidated stands at 123.7%(approx.).

Result PDF

Bank of Baroda announced Q1FY25 results:

  • Bank's Net Profit registers a YoY growth of 9.5% reaching a level of Rs 4,458 crore, driven by lower credit cost.
  • Return on Assets (ROA) remains consistently above 1% for 8 quarters and stands at 1.13% for Q1FY25.
  • BOB has witnessed an improvement in its Asset quality with reduction in GNPA by 63 bps YoY to 2.88% from 3.51 % in Q1FY24.
  • Bank's NNPA reduced by 9 bps YoY to 0.69% in Q1FY25 as against 0.78% in Q1FY24.
  • Strong capital position with CRAR at 16.82% for Q1FY25
  • Global Net Interest Margin (NIM) stands at 3.18% in Q1FY25.
  • Operating Profit stands at Rs 7,161 crore in Q1FY25.
  • Credit cost remains below 1% at 0.47% for the quarter.
  • BOB's balance sheet remains robust with healthy Provision Coverage Ratio (PCR) of 93.32% with TWO & at 76.58% without TWO.
  • Healthy Liquidity Coverage Ratio (LCR) of approx. 138% as on 30th June 2024.
  • BOB's Global Advances registered a growth of 8.1% YoY in Q1FY25 led by robust retail loan book growth. Bank's organic Retail Advances grew by 20.9%, driven by strong growth across segments such as Auto Loan (25.1 %), Home Loan (14.7%), Personal Loan (39.2%), Mortgage Loan (11%), Education Loan (18.8%).
  • Global Deposits grew by 8.9% YoY to Rs 13,06,994 crore in Q1FY25.
  • Global Business grew by 8.6% YoY and stands at Rs 23,78,675 crore as of 30th June 2024. 

Result PDF

Bank of Baroda announced Q4FY24 & FY24 results:

Q4FY24 Financial Highlights:

  • Standalone Net Profit: Rs 4,886 crore, compared to Rs 4,775 crore in Q4FY23.
  • Net Interest Income (NII): Rs 11,793 crore, a 2.3% YoY growth.
  • Non-Interest Income: Rs 4,191 crore, a 20.9% YoY growth.
  • Global NIM: 3.27%, an improvement of 17 bps sequentially.
  • Yield on Advances: 8.75%, up from 8.47% in Q4FY23.
  • Cost of Deposits: 5.06%, compared to 4.43% in Q4FY23.
  • Operating Income: Rs 15,984 crore.
  • Operating Profit: Rs 8,106 crore.

FY24 Financial Highlights:

  • Standalone Net Profit: Rs 17,789 crore, a 26.1% YoY increase.
  • NII: Rs 44,722 crore, an 8.1% YoY growth.
  • Non-Interest Income: Rs 14,495 crore, a 44.6% YoY increase.
  • Global NIM: 3.18%.
  • Operating Income: Rs 59,217 crore, a 15.3% YoY growth.
  • Operating Profit: Rs 30,965 crore, a 15.3% YoY increase.
  • Cost to Income ratio: 49.29%.
  • Return on Assets (annualised): 1.25% for Q4FY24, and 1.17% for FY24.
  • Return on Equity (annualised): 20.83% for Q4FY24, and 18.95% for FY24.
  • Consolidated Net Profit: Rs 18,767 crore for FY24.

Result PDF

Bank of Baroda announced Q2FY24 & H1FY24 results:

  • Bank of Baroda (BOB) quarterly Net profit higher by 28.4% YoY at Rs 4,253 crore in Q2FY24. Net Profit for H1FY24 grew by 51.8% to Rs 8,323 crore,
  • BOB has delivered ROA of more than 1% and ROE of around 20%, consistently for the last 5 quarters.
  • ROA for Q2FY24 stands at 1.14% and ROE at 19.74%.
  • The growth in profitability was supported by healthy Operating Income growth of 25% YoY in Q2FY24.
  • Operating income growth was augmented by ~2x YoY growth in Non-Interest Income in Q2FY24.
  • Non-interest income growth in Q2FY24 was driven by robust YoY growth in Fee Income ( 31.7%), Trading Gains ( 69.5%) and Recovery from TWO (~2x)
  • Strong growth in Income coupled with a subdued increase in Opex has resulted in robust Operating profit growth of 33% YoY for Q2FY24. Operating profit for H1FY24 higher by 50.1% YoY.
  • The Bank has been able to effect a reduction in the Cost to Income ratio by 320 bps YoY to 46.54% for Q2FY24. The cost to Income ratio for H1FY24 has also declined by 608 bps YoY to 45.97%.
  • BOB has witnessed significant improvement in its Asset quality with reduced GNPA by 199 bps YoY to 3.32%. The bank's NNPA improved to 0.76%, a reduction of 40 bps YoY.
  • BOB's balance sheet remained robust with a healthy Provision Coverage Ratio (PCR) of 93.16% with TWO & 77.64% without TWO.
  • Credit cost remains below 1% at 0.92% for Q2FY24.
  • BOB's Global Advances registered a strong YoY growth of 17.3% in Q2FY24 led by robust retail loan book growth.
  • The bank's organic Retail Advances grew by 22.2%, driven by growth in high-focus areas such as Auto Loans (21.1%), Home Loan (16.1%), Personal Loan (67.2%), Mortgage Loan (13.3%), Education Loan (18.3%).
  • Bank achieved a total business of Rs 22,74,148 crore as of September 30, 2023, registering a growth of 16.8% YoY.

 

 

Result PDF

Bank of Baroda announced Q1FY24 results:

  • Bank of Baroda's (BOB) quarterly Net profit was higher by 87.7% YoY at Rs 4,070 crore in Q1FY24.
  • BOB has delivered ROA of more than 1% and ROE of around 20%, consistently for the last 4 quarters.
  • This robust growth in profitability was supported by healthy Operating Income growth of 42.9% YoY in Q1FY24.
  • Operating income growth was driven by strong Net Interest Income (NII) growth of 24.4% YoY in Q1FY24 coupled with robust growth in Non-Interest Income which grew 2.8x YoY.
  • Sustained NII growth is attributable to growth in advances of 18.0% (YoY) coupled with traction in Net Interest Margins (NIM), which grew 25 bps YoY at 3.27%.
  • Strong growth in Income coupled with a subdued increase in Opex has resulted in robust Operating profit growth of 73% YoY for Q1FY24.
  • The Bank has been able to effect a reduction in the Cost to Income ratio (excluding Revaluation of Investment) by 166 bps YoY to 47.43% for Q1FY24.
  • BOB has witnessed significant improvement in its Asset quality with a reduction in GNPA by 275 bps YoY to 3.51%. Bank’s NNPA improved to 0.78% with a reduction of 80 bps YoY.
  • BOB’s balance sheet remained robust with a healthy Provision Coverage Ratio (PCR) of 93.23% with TWO & at 78.52% without TWO.
  • This strong and sustainable improvement in asset quality has resulted in a 5 bps YoY decline in Credit Cost at 70 bps for Q1FY24. Excluding prudential provisions credit cost would have been 44 bps in Q1FY24.
  • BOB’s Global Advances registered a strong YoY growth of 18.0% in Q1FY24 led by robust retail loan book growth. Bank’s organic Retail Advances grew by 24.8%, driven by growth in high-focus areas such as Auto Loans (22.1%), Home Loans (18.4%), Personal Loan (82.9%), Mortgage Loan (15.8%), Education Loan (20.8%).
  • Bank achieved a total business of Rs 21,90,896 crore as of June 30, 2023, registering a growth of 17.0% YoY.

 

 

Result PDF

Bank of Baroda announced Q4FY23 & FY23 results:

  • Bank of Baroda (BOB) reported a ~2x growth in profits for FY23 and declared it's highest ever quarterly and annual net profit of Rs 4,775 crore ( 168% YoY) and Rs 14,110 crore ( 94% YoY) respectively.
  • As a result of this significant improvement in profitability the Bank's Return on Assets (RoA) for FY23 improved by 43 bps YoY to 1.03% (FY23) ; RoA for Q4FY23 improves by 77 bps YoY to 1.34%
  • Similarly, Bank's Return on Equity (RoE) for FY23 increases by 648 bps YoY to 18.34%; RoE for Q4FY23 stands 24.82%, up by 1321 bps YoY
  • This robust growth in profitability was supported by healthy Net Interest Income (NII) growth of 33.8% & 26.8% for Q4FY23 & FY23 respectively.
  • Sustained NII growth is attributable to growth in advances of 18.5% (YoY) coupled with traction in Net Interest Margins (NIM), which grew 16 bps QoQ/ 45 bps YoYto end the quarter at 3.53% and 28 bps YoY for the full year FY23.
  • Strong growth in Income coupled with subdued increase in Opex has resulted in robust Operating profit growth of 43.3% YoY for Q4FY23 and 20% YoY for the financial year 2023.
  • The Bank has been able to effect a reduction in the Cost to Income ratio by 152 bps and reported a Cost to Income ratio of 47.72% for FY23.
  • BOB has witnessed significant improvement in its Asset quality with sharp reduction in GNPA by 282 bps YoY & 74 bps QoQ to 3.79%. Bank's NNPA improved to 0.89% with a reduction of 83 bps YoY and 10 bps QoQ.
  • BOB's Provision Coverage Ratio (PCR) remained healthy at 92.43% with TWO & at 77.19% without TWO.
  • This strong and sustainable improvement in asset quality has resulted in record low Credit Cost for the Bank at 0.14% for Q4FY23 & 0.53% for FY23.
  • BOB's Global Advances registered a strong YoY growth of 18.5% in Q4FY23 led by robust retail loan book growth. Bank's organic Retail Advances grew by 26.8%, driven by growth in high focus areas such as Auto Loan (24.4%), Home Loan (19.5%), Personal Loan (101.5%), Mortgage Loan (18.0%), Education Loan (21.8%).
  • Bank achieved a total business of Rs 21,73,236 crore as of 31 st March 2023, registering a growth of 16.6% YoY.
  • The Board of the Bank has recommended to declare a dividend of Rs 5.5 per share, subject to requisite approval

 

 

Result PDF

Bank of Baroda announced Q3FY23 results:

  • Q3FY23:
    • Bank of Baroda (BOB) achieved a total business of Rs 20,73,385 crore as of Q3FY23, registering a growth of 18.5% YoY.
    • Bank of Baroda (BOB) declares the highest-ever quarterly net profit of Rs 3,853 crore for Q3FY23 up by 75.4% YoY.
    • Net profit in (9MFY23) stood at Rs 9,334 crore registering a strong YoY growth of 69.9%.
    • Net interest income (NII) grew by 26.5% & 24.2% for Q3FY23 & 9MFY23 respectively.
    • Operating profit grew by 50.1% YoY in Q3FY23 to Rs 8,232 crore.
    • Credit cost at a record low of 0.37% for Q3FY23 & 0.66% for 9MFY23.
    • Global advances registered a strong YoY growth of 19.7% in Q3FY23.
    • Organic retail advances grew by 29.4%, led by growth in high-focus areas such as auto loans (27.5%), home loans (19.6%), personal loans (169.6%), mortgage loans (20.5%), education loans (24.1%).
    • GNPA at 4.53% a reduction of 272 bps YoY and 78 bps QoQ.
    • NNPA at 0.99% a reduction of 126 bps YoY and 17 bps QoQ.
    • Provision coverage ratio (PCR) at a high of 92.34% with TWO & at 78.85% without TWO.
    • Net interest margins (NIM) stand at 3.37% in Q3FY23 and 3.23% for 9MFY23, an increase of 24 bps YoY for the quarter and 22 bps for 9M.
    • Domestic NIM increases by 33 bps YoY to reach 3.54% for Q3FY23, it stands at 3.35% for 9MFY23, up by 27 bps YoY.
    • Return on assets (RoA) for 9MFY23 improves by 31 bps YoY to 0.93%; RoA for Q3FY23 improves by 39 bps YoY to 1.13%.
    • Return on equity (RoE) for 9MFY23 increases by 504 bps YoY to 17.02%; RoE for Q3FY23 increases by 671 bps YoY to 21.08%.
    • LCR stands at 143.78% in Q3FY23.
    • BOB is now India's 2nd largest public sector bank as per total business.

Result PDF

Bank of Baroda announced Q2FY23 results:

  • Bank of Baroda (BOB) declares record profits. Net profit for Q2FY23 grows by 58.7% YoY to reach Rs 3,313 crore
  • Net profit in (H1FY23) stood at Rs 5,482 crore, registering a strong YoY growth of 66.3%
  • Advances registered a strong YoY growth of 19% in Q2FY23
  • Organic Retail Advances grew by 28.4%, led by growth in high-focus areas such as Home Loan (19%), Personal Loans (172.8%), Auto Loans (29.2%), Education Loan (23.2%)
  • GNPA at 5.31%, a reduction of 280 bps YoY and 95 bps QoQ
  • NNPA at 1.16%, a decrease of 167 bps YoY in Q2FY23 and 42 bps QoQ
  • Provision coverage ratio (PCR) at 79.14% w/o TWO
  • Net Interest Margins at 3.33% in Q2FY23, an increase of 48 bps YoY & 31 bps QoQ
  • Healthy Capital base - CRAR stands at 15.25% in Sep'22

Result PDF

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