Bank of Baroda (BoB) has announced its financial results for the quarter and nine months ended December 31, 2025. The bank reported a net profit increase of 4.5% year-over-year (YoY) for Q3 FY26, reaching INR 5,055 crore. Operating profit for the quarter stood at INR 7,377 crore. The bank has sustained stable asset quality, contributing to strong overall performance.
Financial Performance Highlights
Bank of Baroda reported the following key financial metrics for Q3 FY26:
- Net Profit: Increased to INR 5,055 crore, a 4.5% rise YoY. 9MFY26 net profit reached INR 14,405 crore.
- Operating Profit: Stood at INR 7,377 crore for the quarter and INR 23,190 crore for the nine-month period.
- Net Interest Income: Reached INR 11,800 crore for Q3 FY26 and INR 35,189 crore for 9MFY26.
- Non-Interest Income: INR 3,600 crore for the quarter, up 5.9% YoY, and INR 11,790 crore for 9MFY26 (up 6.7% YoY).
- Operating Expenses: INR 8,024 crore for the quarter and INR 23,789 crore for 9MFY26.
Asset Quality and Key Ratios
The bank demonstrated solid asset quality and efficient financial management:
- Return on Assets (ROA): Remained above 1%, with 1.09% for Q3 FY26 and 1.05% for 9MFY26.
- Return on Equity (ROE): Reported at 15.59% for Q3 FY26 and 14.81% for 9MFY26.
- Global Net Interest Margin (NIM): Stood at 2.79% for Q3 FY26.
- Domestic Net Interest Margin (NIM): Reached 2.93% for the quarter.
- Gross NPA: Improved to 2.04% in Q3 FY26.
- Net NPA: Reduced to 0.57% in Q3 FY26.
- Provision Coverage Ratio (PCR): A healthy 92.73%.
- Slippage Ratio: Reduced to 0.86% for Q3 FY26.
Business Growth
- Domestic Advances: Increased by 13.6% YoY.
- Global Advances: Increased by 14.7% YoY.
- Domestic Deposits: Increased by 11.1% YoY.
- Domestic CASA Deposits: Increased by 8.6% YoY.
Source: BSE
