#BankofBaroda #Q2FY26 #BankingResults #AssetQuality #LoanGrowth #NIM #ProfitGrowth #IndianBanking
Chandigarh: Bank of Baroda announced its financial results for the quarter ended September 30, 2025, showcasing resilient business growth, robust profitability, and strengthening asset quality.
The bank recorded a net profit of INR 4,809 crore for Q2FY26, marking a 5.9% increase from the previous quarter. For the half-year ended September 2025, the net profit stood at INR 9,351 crore. Operating profit reached INR 7,576 crore for the quarter and INR 15,812 crore for the half year.
Improved Income and Margins
Net interest income rose 4.5% quarter-on-quarter to INR 11,954 crore in Q2FY26, with INR 23,388 crore earned in H1FY26. Non-interest income also grew by 7% year-on-year to INR 3,515 crore in the quarter and INR 8,189 crore for the half year. The bank’s global net interest margin improved sequentially by 5 basis points to 2.96%, with domestic margin rising to 3.10%.
Strong Asset Quality
Bank of Baroda maintained strong asset quality with a reduction in gross non-performing assets (GNPA) ratio to 2.16% in Q2FY26 from 2.50% a year earlier. Net non-performing assets (NNPA) ratio declined slightly to 0.57%. The provision coverage ratio stood healthy at 93.21% including technical write-offs. Slippage ratio declined by 16 basis points year-on-year to 0.91%, and credit cost remained under control at 0.29% for the quarter.
Capital Adequacy and Liquidity
The capital to risk-weighted assets ratio (CRAR) as of September 2025 was 16.54%, with Tier 1 capital at 14.15%. The consolidated entity’s CRAR stood at 16.97%. The liquidity coverage ratio remained robust at around 121%.
Robust Loan and Deposit Growth
Domestic advances grew 11.5% year-on-year to INR 10,46,506 crore, while global advances rose 11.9% to INR 12,78,847 crore. Domestic deposits increased 9.7% to INR 12,71,992 crore, and global deposits grew 9.3% to INR 15,00,012 crore. Current account and savings account (CASA) deposits rose 6.6% year-on-year to INR 4,88,660 crore.
Retail advances showed strong momentum with a 17.6% increase, driven by segments such as mortgage loans (19.8%), auto loans (17.7%), home loans (16.5%), education loans (14.0%), and personal loans (18.6%). The agriculture loan portfolio grew 17.4%, and MSME loans grew 13.9% year-on-year. Corporate advances rose 3.0%.
Leadership Perspective
Bank of Baroda’s consistent improvement across key financial metrics reflects its strategic focus on sustainable growth and prudent risk management, reinforcing its position as a major player in India’s banking sector.
This comprehensive performance reaffirms Bank of Baroda’s commitment to delivering value to stakeholders while supporting credit growth and financial inclusion.
#BankofBaroda #Q2FY26 #BankingResults #AssetQuality #LoanGrowth #NIM #ProfitGrowth #IndianBanking
