Bank Of Baroda Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Interest Earned

31,749.51

31,510.81

31,091.49

31,116.74

30,907.61

30,278.43

29,628.70

Income On Investments

6,261.96

6,376.00

6,320.78

6,421.42

6,553.23

6,535.69

6,438.42

Interest On Balances With Rbi Other Inter Bank Funds

646.01

700.26

610.97

564.44

415.18

422.49

354.26

Interest / Discount On Advances / Bills

24,056.17

23,504.87

23,636.06

23,521.79

23,811.07

23,058.17

22,659.85

Others

785.37

929.68

523.68

609.09

128.13

262.08

176.17

Other Income

3,600.40

3,514.95

4,674.53

4,735.11

3,768.86

5,166.27

2,487.25

Total Income

35,349.91

35,025.76

35,766.02

35,851.85

34,676.47

35,444.70

32,115.95

Interest Expended

19,949.11

19,557.20

19,656.71

19,622.39

19,490.72

18,641.22

18,028.63

Net Interest Income

11,800.40

11,953.61

11,434.78

11,494.35

11,416.89

11,637.21

11,600.07

Total Expenditure (Excl Depreciation)

8,023.68

7,892.61

7,872.84

8,097.34

7,521.51

7,326.47

6,926.06

Employee Cost

4,111.16

4,060.72

4,307.72

4,347.24

4,206.68

4,039.73

4,013.99

Other Operating Expenses

3,912.52

3,831.89

3,565.12

3,750.10

3,314.83

3,286.74

2,912.07

Operating Profit Before Provisions and Contingencies

7,377.12

7,575.95

8,236.47

8,132.12

7,664.24

9,477.01

7,161.26

Exceptional Items

0.00

Provisions and contingencies

798.93

1,232.47

1,966.94

1,551.51

1,082.34

2,335.73

1,010.67

Profit Before Tax

6,578.19

6,343.48

6,269.53

6,580.61

6,581.90

7,141.28

6,150.59

Tax

1,523.56

1,534.09

1,728.17

1,532.88

1,744.56

1,903.35

1,692.44

Profit After Tax

5,054.63

4,809.39

4,541.36

5,047.73

4,837.34

5,237.93

4,458.15

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

5,054.63

4,809.39

4,541.36

5,047.73

4,837.34

5,237.93

4,458.15

Face Value

2.0

Reserves

0.00

Earnings per share (EPS)

9.76

9.29

8.77

9.75

9.34

10.12

8.61

Diluted Earnings per share

9.77

9.3

8.78

9.76

9.35

10.13

8.62

Operating Profit Margin (Excl OI)

72.21%

71.04%

68.35%

68.99%

72.16%

68.09%

73.21%

Gross Profit Margin

20.72%

20.13%

20.16%

21.15%

21.3%

23.59%

20.76%

PAT Margin

15.92%

15.26%

14.61%

16.22%

15.65%

17.3%

15.05%

Net Interest Margin

0.0%

2.96%

2.91%

2.98%

2.94%

3.11%

3.18%

Return on Assets

0.0%

CASA (%)

0.0%

38.42%

39.33%

39.97%

39.68%

39.52%

40.31%

CASA Amount

0.00

4,88,660.00

4,73,637.00

4,96,462.00

4,62,618.00

4,58,425.00

4,49,019.00

Capital Adequacy Ratio (Total)

15.29%

16.54%

17.61%

17.19%

15.96%

16.26%

16.82%

Capital Adequacy Ratio (Tier 1)

13.1%

14.15%

15.15%

14.79%

13.44%

14.18%

14.65%

Provision Coverage Ratio (%)

0.0%

93.21%

93.18%

93.29%

93.51%

93.61%

93.32%

Amount of Gross NPAs

0.00

27,599.75

27,571.73

27,834.88

28,471.22

28,551.20

30,873.14

Amount of Net NPAs

0.00

7,140.88

7,157.55

6,994.24

6,825.06

6,764.27

7,231.53

% of Net NPAs

0.0%

0.57%

0.6%

0.58%

0.59%

0.6%

0.69%

% of Gross NPAs

0.0%

2.16%

2.28%

2.26%

2.43%

2.5%

2.88%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

9497.0

9354.0

0.0

10419.0

Number of Branches

0.0

8266.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Dec 2025 is 0.76% vs 1.35% in Sep 2025

Net Profit

QoQ Growth in quarter ended Dec 2025 is 5.10% vs 5.90% in Sep 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2025 is -2.62% vs -8.02% in Sep 2025

% of Net NPAs

QoQ Growth in quarter ended Dec 2025 is -0.57% vs -0.03% in Sep 2025

% of Gross NPAs

QoQ Growth in quarter ended Dec 2025 is -2.16% vs -0.12% in Sep 2025

Compare Quarterly Results Of Bank Of Baroda With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

31,749.51

1,19,653.93

-87,904.42

-73.47%

Income On Investments

6,261.96

28,278.73

-22,016.77

-77.86%

Interest On Balances With Rbi Other Inter Bank Funds

646.01

1,692.78

-1,046.77

-61.84%

Interest / Discount On Advances / Bills

24,056.17

86,182.58

-62,126.41

-72.09%

Others

785.37

3,499.84

-2,714.47

-77.56%

Other Income

3,600.40

19,918.76

-16,318.36

-81.92%

Total Income

35,349.91

1,39,572.69

-1,04,222.78

-74.67%

Interest Expended

19,949.11

76,669.87

-56,720.76

-73.98%

Net Interest Income

11,800.40

42,984.06

-31,183.66

-72.55%

Total Expenditure (Excl Depreciation)

8,023.68

30,998.68

-22,975.00

-74.12%

Employee Cost

4,111.16

16,605.95

-12,494.79

-75.24%

Other Operating Expenses

3,912.52

14,392.73

-10,480.21

-72.82%

Operating Profit Before Provisions and Contingencies

7,377.12

27,310.92

-19,933.80

-72.99%

Exceptional Items

0.00

Provisions and contingencies

798.93

5,400.12

-4,601.19

-85.21%

Profit Before Tax

6,578.19

26,504.02

-19,925.83

-75.18%

Tax

1,523.56

6,344.35

-4,820.79

-75.99%

Profit After Tax

5,054.63

20,159.67

-15,105.04

-74.93%

Extraordinary Items

0.00

3,493.73

-3,493.73

-100.0%

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

5,054.63

16,665.94

-11,611.31

-69.67%

Face Value

2.00

1.00

0.00

Reserves

0.00

Earnings per share (EPS)

9.76

21.84

-12.08

-55.31%

Diluted Earnings per share

9.77

22.00

-12.23

-55.59%

Operating Profit Margin (Excl OI)

72.21%

69.58%

0.00

2.63%

Gross Profit Margin

20.72%

22.15%

0.00

-1.43%

PAT Margin

15.92%

16.85%

0.00

-0.93%

Net Interest Margin

0.00%

2.97%

-2.97

-2.97%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

0.00%

39.63%

-39.63

-39.63%

CASA Amount

0.00

21,24,266.00

-21,24,266.00

-100.0%

Capital Adequacy Ratio (Total)

15.29%

14.62%

0.67

0.67%

Capital Adequacy Ratio (Tier 1)

13.10%

12.67%

0.43

0.43%

Provision Coverage Ratio (%)

0.00%

75.79%

-75.79

-75.79%

Amount of Gross NPAs

0.00

76,243.04

-76,243.04

-100.0%

Amount of Net NPAs

0.00

18,459.92

-18,459.92

-100.0%

% of Net NPAs

0.00%

0.42%

-0.42

-0.42%

% of Gross NPAs

0.00%

1.73%

-1.73

-1.73%

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

0.00

Number of Branches

0.00

Quarterly - Interest Earned

Interest Earned 31749.51 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 0.76% vs 1.35% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 2.72% vs 8.05% in Dec 2024

Quarterly - Net Profit

Net Profit 5,054.63 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 5.10% vs 5.90% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 4.49% vs 5.63% in Dec 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 7,377.12 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is -2.62% vs -8.02% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -3.75% vs 9.25% in Dec 2024

Quarterly - % of Net NPAs

No % of Net NPAs in the last few periods

Quarterly - % of Gross NPAs

No % of Gross NPAs in the last few periods