Bank of Baroda (BANKBARODA) — Financial Results

Bank of Baroda reported 12.6% YoY growth in global advances and 1.9% YoY net profit growth to ₹4,541 crores for Q1 FY26, driven by 17.5% retail loan expansion and 9.1% deposit growth. Operating profit rose 15% to ₹8,236 crores, with NIM stable at 2.91% and asset quality improving to 2.28% GNPA. CET-1 capital stood at 14.12% and CRAR at 17.61%, reflecting strong capital buffers. Management highlighted retailization progress (62.7% RAM), MSME growth at 13.1% YoY, and plans to upscale co-lending from under ₹2,000 crores. Treasury gains from OMOs supported earnings, though deposit repricing pressure is expected in Q2. Corporate loan growth slowed to 4.2% YoY due to industry deleveraging, while full-year corporate growth is projected at 9%-10%. The bank maintains its NIM guidance of 2.85%-3% for FY26, with 70%-80% of deposits to be repriced by September end. A major international NPA account remains in resolution but is expected to recover fully, with recovery momentum targeting over ₹10,000 crores annually.

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About Bank of Baroda (BANKBARODA)

Financial Services · Banks · Listed on NSE

Market Cap: ₹1,35,179.41 Cr P/E: 6.9

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