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Bank of Baroda
Bank of Baroda (BANKBARODA) investor relations material
Bank of Baroda Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary30 Jan, 2026
Executive summary
Global advances grew 14.7% year-over-year to ₹13,44,904 crore, with domestic advances up 13.6% and international advances up 19.3%.
Net profit for Q3FY26 rose 4.5% year-over-year to ₹5,055 crore; operating profit for Q3FY26 was ₹7,377 crore.
Asset quality improved with Gross NPA at 2.04% and Net NPA at 0.57% as of Dec 2025.
Total deposits increased 10.3% year-over-year to ₹15,46,749 crore, with domestic deposits up 11.1% and international deposits up 5.7%.
No one-off or non-recurring items contributed to profit; all earnings are operational.
Financial highlights
Net interest income for Q3FY26 was ₹11,800 crore; non-interest income at ₹3,600 crore, up 5.9% YoY.
Return on assets (ROA) for Q3FY26 was 1.09%; return on equity (ROE) was 15.59%.
Net interest margin (NIM) for Q3FY26 was 2.79% globally and 2.93% domestically.
Gross NPA ratio improved to 2.04%; net NPA at 0.57%; provision coverage ratio at 92.73%.
Slippage ratio for Q3FY26 at 0.86%; credit cost at 0.17%.
Outlook and guidance
Advances growth guidance revised to 11%-13% with upside, expecting to exceed 13% by March 2026.
Deposit growth guidance at 9%-11%; ROA guidance above 1%; margin guidance at 2.85%-3% for the full year.
Credit cost guidance revised downward to below 0.60%.
Focus on digital transformation, sustainability, and expanding retail and MSME lending.
Continued improvement in asset quality and capital position expected.
Net profit impact from full pension liability?
Consolidated P&L impact of RRB amalgamation
Digital Banking segment Q3FY26 profitability
NIM: Impact of IT refund on core profitability
ECL transition impact on CRAR and credit cost
LDR/LCR management with strong loan growth
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Next Bank of Baroda earnings date
Q4 25/267 May, 2026
Bank of Baroda
Next Bank of Baroda earnings date
Q4 25/267 May, 2026
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