Bank Of Baroda Annual Results: Standalone & Consolidated Reports

Annual Results

Results Snapshot

Figures in Cr

Standalone Annual Results

Mar'26

Mar'25

Mar'24

Mar'23

Mar'22

Mar'21

Mar'20

Interest Earned

1,26,993.65

1,22,300.61

1,12,605.94

89,588.54

69,880.78

70,495.06

75,983.65

Income On Investments

25,067.87

25,948.76

24,865.68

22,156.00

17,617.21

17,077.12

18,097.36

Interest On Balances With Rbi Other Inter Bank Funds

2,542.72

1,756.37

1,721.08

1,437.41

1,015.17

1,450.92

1,768.73

Interest / Discount On Advances / Bills

95,942.48

93,050.88

85,098.23

64,073.49

49,278.53

50,052.12

54,115.77

Others

3,440.58

1,544.60

920.95

1,921.64

1,969.87

1,914.90

2,001.79

Other Income

15,756.84

15,788.36

14,495.37

10,025.84

11,483.95

12,933.97

10,317.33

Total Income

1,42,750.49

1,38,088.97

1,27,101.31

99,614.38

81,364.73

83,429.03

86,300.98

Interest Expended

79,311.19

75,782.96

67,884.41

48,232.53

37,259.44

41,686.04

48,532.37

Net Interest Income

47,682.46

46,517.65

44,721.53

41,356.01

32,621.34

28,809.02

27,451.28

Total Expenditure (Excl Depreciation)

31,180.32

29,871.38

28,251.68

24,518.31

21,716.44

20,543.66

18,872.39

Employee Cost

15,741.50

16,607.64

15,816.00

13,357.33

11,978.84

11,445.53

9,564.72

Other Operating Expenses

15,438.82

13,263.74

12,435.68

11,160.98

9,737.60

9,098.13

9,307.67

Operating Profit Before Provisions and Contingencies

32,258.98

32,434.63

30,965.22

26,863.54

22,388.85

21,199.33

18,896.22

Exceptional Items

0.00

Provisions and contingencies

7,148.81

5,980.25

6,075.61

7,136.90

13,002.41

15,643.33

20,698.33

Profit Before Tax

25,110.17

26,454.38

24,889.61

19,726.64

9,386.44

5,556.00

-1,802.11

Tax

5,089.11

6,873.23

7,100.83

5,617.02

2,114.16

4,727.05

-2,348.29

Profit After Tax

20,021.06

19,581.15

17,788.78

14,109.62

7,272.28

828.95

546.18

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

20,021.06

19,581.15

17,788.78

14,109.62

7,272.28

828.95

546.18

Face Value

2.0

Reserves

1,43,876.90

1,26,419.83

1,06,175.71

91,326.62

77,787.38

70,833.10

64,851.33

Earnings per share (EPS)

38.67

37.82

34.36

27.25

14.05

1.6

1.18

Diluted Earnings per share

38.72

37.86

34.4

27.28

14.06

1.78

1.36

Operating Profit Margin (Excl OI)

69.82%

70.69%

69.52%

64.67%

50.32%

48.67%

47.92%

Gross Profit Margin

19.77%

21.63%

22.1%

22.02%

13.43%

7.88%

-2.37%

PAT Margin

15.77%

16.01%

15.8%

15.75%

10.41%

1.18%

0.72%

Net Interest Margin

2.89%

3.08%

3.18%

3.31%

3.03%

2.72%

2.73%

Return on Assets

0.0%

CASA (%)

38.9%

39.97%

41.33%

42.25%

41.46%

40.15%

35.29%

CASA Amount

5,45,034.00

4,96,462.00

4,66,400.00

4,42,511.00

4,10,123.00

3,68,027.00

3,33,825.00

Capital Adequacy Ratio (Total)

15.82%

17.19%

16.31%

16.24%

15.68%

14.99%

13.3%

Capital Adequacy Ratio (Tier 1)

13.64%

14.79%

14.07%

13.99%

13.18%

12.67%

10.71%

Provision Coverage Ratio (%)

93.94%

9.29%

93.3%

92.43%

88.71%

81.8%

81.33%

Amount of Gross NPAs

27,058.59

27,834.88

31,833.63

36,763.68

54,059.39

66,670.99

69,381.43

Amount of Net NPAs

6,315.56

6,994.24

7,213.34

8,384.32

13,364.65

21,799.88

21,576.59

% of Net NPAs

0.45%

0.58%

0.68%

0.89%

1.72%

3.09%

3.13%

% of Gross NPAs

1.89%

2.26%

2.92%

3.79%

6.61%

8.87%

9.4%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

9538.0

9316.0

0.0

9845.0

11633.0

13193.0

Number of Branches

0.0

8262.0

8214.0

9482.0

Annual Analysis Highlights

Interest Earned

YoY Growth in year ended Mar 2026 is 3.84% vs 8.61% in Mar 2025

Net Profit

YoY Growth in year ended Mar 2026 is 2.25% vs 10.08% in Mar 2025

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2026 is -0.54% vs 4.75% in Mar 2025

% of Net NPAs

YoY Growth in year ended Mar 2026 is -0.13% vs -0.10% in Mar 2025

% of Gross NPAs

YoY Growth in year ended Mar 2026 is -0.37% vs -0.66% in Mar 2025

Compare Annual Results Of Bank Of Baroda With

Select Peers

Figures in Cr

Standalone Annual Results

Change(INR)

Change(%)

Interest Earned

1,26,993.65

4,82,797.17

-3,55,803.52

-73.7%

Income On Investments

25,067.87

1,13,034.49

-87,966.62

-77.82%

Interest On Balances With Rbi Other Inter Bank Funds

2,542.72

6,086.38

-3,543.66

-58.22%

Interest / Discount On Advances / Bills

95,942.48

3,50,004.36

-2,54,061.88

-72.59%

Others

3,440.58

13,671.94

-10,231.36

-74.83%

Other Income

15,756.84

73,443.50

-57,686.66

-78.55%

Total Income

1,42,750.49

5,56,240.67

-4,13,490.18

-74.34%

Interest Expended

79,311.19

3,09,676.69

-2,30,365.50

-74.39%

Net Interest Income

47,682.46

1,73,120.48

-1,25,438.02

-72.46%

Total Expenditure (Excl Depreciation)

31,180.32

1,23,548.80

-92,368.48

-74.76%

Employee Cost

15,741.50

65,723.78

-49,982.28

-76.05%

Other Operating Expenses

15,438.82

57,825.02

-42,386.20

-73.3%

Operating Profit Before Provisions and Contingencies

32,258.98

1,18,421.96

-86,162.98

-72.76%

Exceptional Items

0.00

Provisions and contingencies

7,148.81

17,538.40

-10,389.59

-59.24%

Profit Before Tax

25,110.17

1,05,476.78

-80,366.61

-76.19%

Tax

5,089.11

25,444.77

-20,355.66

-80.0%

Profit After Tax

20,021.06

80,032.01

-60,010.95

-74.98%

Extraordinary Items

0.00

3,485.17

-3,485.17

-100.0%

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

20,021.06

76,546.84

-56,525.78

-73.84%

Face Value

2.00

1.00

0.00

Reserves

1,43,876.90

5,09,114.00

-3,65,237.10

-71.74%

Earnings per share (EPS)

38.67

86.70

-48.03

-55.4%

Diluted Earnings per share

38.72

87.59

-48.87

-55.79%

Operating Profit Margin (Excl OI)

69.82%

70.78%

0.00

-0.96%

Gross Profit Margin

19.77%

21.85%

0.00

-2.08%

PAT Margin

15.77%

16.58%

0.00

-0.81%

Net Interest Margin

2.89%

0.00%

2.89

2.89%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

38.90%

0.00%

38.90

38.90%

CASA Amount

5,45,034.00

0.00

5,45,034.00

Capital Adequacy Ratio (Total)

15.82%

15.40%

0.42

0.42%

Capital Adequacy Ratio (Tier 1)

13.64%

13.33%

0.31

0.31%

Provision Coverage Ratio (%)

93.94%

0.00%

93.94

93.94%

Amount of Gross NPAs

27,058.59

73,452.46

-46,393.87

-63.16%

Amount of Net NPAs

6,315.56

18,830.14

-12,514.58

-66.46%

% of Net NPAs

0.45%

0.39%

0.06

0.06%

% of Gross NPAs

1.89%

1.49%

0.40

0.40%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

9,538.00

0.00

9,538.00

Number of Branches

0.00

Annual - Interest Earned

Interest Earned 126993.65 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 3.84% vs 8.61% in Mar 2025

Annual - Net Profit

Net Profit 20,021.06 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 2.25% vs 10.08% in Mar 2025

Annual - Operating Profit (PBDIT)

Operating Profit (PBDIT) 32,258.98 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is -0.54% vs 4.75% in Mar 2025

Annual - % of Net NPAs

% of Net NPAs 0.45%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.13% vs -0.10% in Mar 2025

Annual - % of Gross NPAs

% of Gross NPAs 1.89%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.37% vs -0.66% in Mar 2025