Bank Of Baroda · NSE:BANKBARODA
Bank Of Baroda — Q1 FY2026 Earnings Presentation
44 slides from Bank Of Baroda's earnings presentation, Jul 25, 2025
Slide 1: Performance Analysis Q1FY26
Performance Analysis Q1FY26
Slide 2: Key Highlights
G dep 3iim aster Bank of Baroda Key Highlights
Slide 3: Key Highlights
Key Highlights Business Details (INR crore) Key Performance Drivers Jun 30, 2024 Jun 30, 2025 YOY (%) Net Interest Margin (%)* Net Profit (INR crore) Domestic Deposits 11,14,039 12,04,283 8.1 International Deposits 2,01,534 2,31,351 14.8 Global Deposits 13,15,573 14,35,634 9.1 3.18 19,581 Retail Adv
Slide 4: Financial Performance
G dep 3iim aster Bank of Baroda Financial Performance
Slide 5: Key Ratios
Key Ratios Cost of Deposits Yield on Advances Net Interest Margin* Domestic Domestic Domestic 3.30% 3.16% 3.25% 5.13% 5.33% 5.22% 5.21% 5.22% 8.99% 3.06% 3.06% 8.76% 8.61% 8.88% 8.61% Q1FY25 Q4FY25 Q1FY26 FY25 Q1FY26 Q1FY25 Q4FY25 Q1FY26 FY25 Q1FY26 Q1FY25 Q4FY25 Q1FY26 FY25 Q1FY26 International Int
Slide 6: Operating Performance
Operating Performance Particulars Q1 FY25 Q4 FY25 Q1 FY26 YoY (%) (INR crore) Interest on advances 22,660 23,522 23,636 4.3 Interest on investments 6,438 6,421 6,321 -1.8 Other Interest income* 530 1,174 1,135 -- Total Interest Income 29,629 31,117 31,091 4.9 Interest on Deposits 16,318 17,423 17,63
Slide 7: Non-Interest Income
Non-Interest Income Particulars Q1 FY25 Q4 FY25 Q1 FY26 YoY (%) (INR crore) Commission, Exchange, Brokerage 719 1,139 738 2.7 Incidental Charges 317 365 349 10.1 Forex Income 60 52 47 -21.7 Other Miscellaneous Income 383 620 488 27.4 Fee based Income 1,479 2,176 1,622 9.7 Trading Gains – Profit from
Slide 8: Operating Expenses
Operating Expenses Particulars Q1 FY25 Q4 FY25 Q1 FY26 YoY (%) (INR crore) Employee Cost 4,014 4,347 4,308 7.3 of which: Salaries 3,207 3,406 3,320 3.5 Provisions for employees 807 941 988 22.4 Other Operating Expenses 2,912 3,750 3,565 22.4 of which : 334 562 415 24.3 Rent, Taxes and Lighting Print
Slide 9: Profit Position
Profit Position Particulars Q1 FY25 Q4 FY25 Q1 FY26 YoY (%) (INR crore) Operating Profit 7,161 8,132 8,236 15.0 Total Provisions 1,011 1,552 1,967 94.6 of which: 1,269 1,297 1,686 32.9 Provision for NPA & Bad Debts Written-off Provision for Non-Performing Investment -136 16 -86 -- Provision for Stan
Slide 10: Business Performance
Business Performance V5 dep 3it aster Bank of Baroda 10
Slide 11: Deposits
Deposits Particulars % share in Domestic Deposits in Jun’25 Jun’24 Jun’25 YOY (%) Mar’25 Jun’25 QOQ (%) (INR crore) Domestic CASA Deposits 4,49,019 4,73,637 5.5 4,96,462 4,73,637 -4.6 Savings Deposits Domestic Saving 33% 3,82,354 4,01,582 5.0 4,08,684 4,01,582 -1.7 Deposits Domestic Current 66,665 7
Slide 12: Advances
Advances Particulars % share in Gross Domestic Credit in Jun’25 Jun’24 Jun’25 YOY (%) Mar’25 Jun’25 QOQ (%) (INR crore) Agriculture Retail* 2,22,494 2,61,479 17.5 2,56,633 2,61,479 1.9 16.3% Home Loans* 1,14,711 1,33,673 16.5 1,31,123 1,33,673 1.9 Auto Loans* 40,242 47,446 17.9 46,549 47,446 1.9 Cor
Slide 13: Industry-wise Outstanding
Industry-wise Outstanding Particulars (INR crore) Jun’24 Jun’25 Rating Profile Outstanding Share (%) Outstanding Share (%) Infrastructure of which 1,10,524 12.5 1,29,644 13.1 1. Power 56,306 6.4 59,197 6.0 2. Telecom 8,033 0.9 7,112 0.7 3. Roads & Ports 34,337 3.9 33,771 3.4 4. Other Infrastructure
Slide 14: Segment wise breakup & Ratings of NBFC Standard Outstanding
Segment wise breakup & Ratings of NBFC Standard Outstanding NBFC Portfolio by Ownership Rating Profile of NBFCs Standard Outstanding* Particulars Mar’25 Jun’25 Outstanding Outstanding 14% 15% % Share % Share (INR crore) (INR crore) Pvt others AAA 1,12,265 69.61 1,01,561 68.39 Backed by Large 42% 41%
Slide 15: Treasury Operations
Treasury Operations Particulars (INR crore) Jun’24 Mar’25 Jun’25 • Domestic investment book comprises of 71.41% in HTM; 24.22% in AFS; 2.42% in FVTPL; 0.58% in FVTPL-HFT and 1.37% in Domestic Investments 3,59,677 3,70,478 3,59,734 Subsidiaries / Joint Ventures and RRB’S of which 3,00,896 3,06,518 2,
Slide 16: Financial Inclusion
Financial Inclusion Total Financial Inclusion Accounts Balance /Avg Balance in FI accounts Zero Balance Accounts (%) (in Lakh) 42,851 42,111 37,618 4.98% 726 4.71% 4.73% 723 705 Jun'24 Mar'25 Jun'25 5,336 5,927 5,803 Market Share* of BOB in PMJDY Accounts (%) 15.18% 15.01% 15.01% Jun'24 Mar'25 Jun'2
Slide 17: Asset Quality
Asset Quality B dep 3it aster Bank of Baroda 17
Slide 18: Strong Asset Quality
Strong Asset Quality Gross NPA & Net NPA Slippage Ratio & Credit Cost 4.00% 1.20% 1.05% 1.07% 1.16% 3.50% 1.00% 1.00% 0.90% 2.88% 3.00% 2.50% 2.43% 0.80% 2.26% 2.28% 2.50% 0.65% 2.00% 0.55% 0.60% 0.47% 0.44% 1.50% 0.40% 0.69% 0.30% 1.00% 0.60% 0.59% 0.20% 0.58% 0.60% 0.50% 0.00% 0.00% Q1FY25 Q2FY25
Slide 19: Movement of NPAs
Movement of NPAs Particulars Q1 FY25 Q4 FY25 Q1 FY26 (INR crore) A. Opening Balance 31,834 28,471 27,835 B. Additions 3,018 3,159 3,686 Out of which, Fresh Slippages 2,787 2,873 3,476 C. Reductions 3,979 3,795 3,950 Recovery 1,005 1,118 750 Upgradation 652 825 810 Cash Recovery + Upgradation 1,657 1
Slide 20: Sectoral & Industry wise Contribution of NPAs
Sectoral & Industry wise Contribution of NPAs Sector-wise NPA Industry-wise NPA Particulars (INR crore) Q1 FY25 Q4 FY25 Q1 FY26 Particulars (INR crore) Q1 FY25 Q4 FY25 Q1 FY26 Infrastructure of which 145 57 65 Corporate 2,045 228 55 1. Power 3 3 2 MSME 10,893 11,242 10,619 2. Telecom 2 2 1 3. Roads
Slide 21: Asset Quality: Sectoral Fresh Slippages
Asset Quality : Sectoral Fresh Slippages CRILC o/s SMA1 and SMA 2 (%) Fresh Slippages Particulars (INR crore) Q1 FY25 Q4 FY25 Q1 FY26 Corporate 48 0 0 MSME 1,206 1,473 1,228 0.40 0.33 Retail 842 723 995 0.18 Agriculture 644 668 725 Others 18 7 14 Jun-24 Mar'25 Jun'25 Total Domestic 2,758 2,871 2,962
Slide 22: Exposure to NCLT Accounts
Exposure to NCLT Accounts 43,402 32,530 100% 100% 100% 99% 99% 4,157 4,324 2,391 RBI List 1 RBI List 2 ACCOUNT ACCOUNT TOTAL RBI 1 List RBI 2 List Accounts Accounts Total FILED BY BOB FILED BY filed by BOB filed by OTHERS at NCLT others at Exposure in INR Crore Provision Coverage (%) NCLT Provision
Slide 23: Capital Adequacy
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Slide 24: Capital Adequacy
Capital Adequacy 17.19% 17.61% 18.29% 16.82% 16.26% 15.96% 2.46% 2.43% Tier II 2.17% 2.40% 2.08% 1.02% 2.52% 1.01% 1.03% AT-1 1.57% 1.51% 1.06% CET-1 13.78% 14.12% 14.84% 13.08% 12.67% 12.38% Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 Consol Jun'25 Particulars (INR crore) Jun’24 Mar’25 Jun’25 Jun’25 (Consol
Slide 25: Sustainability Initiatives
Sustainability Initiatives 25
Slide 26: Sustainability Initiatives 1/5
Sustainability Initiatives….1/5 Sustainable & Social Loans Efficiency & Green Initiatives Bank has executed an MOU with KFW, a -226- Bank’s branches on lease premises (1.68 MW Bank has set up rain water harvesting system in -18- multilateral finance agency, under the in total) in rural/semi urban ar
Slide 27: Sustainability Initiatives 2/5
Sustainability Initiatives….2/5 Governance Frameworks ➢ The Bank is a pioneer Public Sector Bank to launch its well ➢ Updated Code of Ethics Version 2.0/2025 documented ‘Code of Ethics’ which is based on Stakeholder was launched on 01st April 2025. Centric Approach resting on our Five Pillars- ➢ The
Slide 28: Sustainability Initiatives 3/5
Sustainability Initiatives….3/5 Implemented Green Finance Framework in March Green Deposits World Environment Day 2025 2024 for: ▪ The World Environment Day 2025 was ▪ The Bank has garnered ₹ 1,362.18 Cr. of Green ▪ Raising Green Deposits and facilitating the flow of Deposits as on June 30, 2025. ob
Slide 29: Sustainability Initiatives 4/5
Sustainability Initiatives….4/5 Initiatives for ESG and Climate Risk Management Rationale of the Initiatives Sustainability Information and Disclosures ▪ The Bank has published its BRSR Report for FY ▪ To integrate ESG factors in the core business 2024-25. strategy of the Bank and lay focuses on ESG
Slide 30: Sustainability Initiatives 5/5
Sustainability Initiatives….5/5 Introduction of BOB Health & Wellness Framework Celebration of International Day of Yoga (IDY) 2025 A framework has been introduced to promote a culture of health and wellness awareness • All staff members & their family members were encouraged to take the ‘Yoga for a
Slide 31: Digital Banking
Digital Banking V5 dep 3it aster Bank of Baroda 31
Slide 32: Accelerating Digital Transformation
Accelerating Digital Transformation Innovate - Integrate - Inspire bob World bob इ Pay P-CBDC 32
Slide 33: Leveraging Digital Infrastructure
Leveraging Digital Infrastructure 16,100+ 9,354 4,985 1,776 10 18 48 Digital Touch Points Self Service Cash Digital Phygital Digital Service ATMs Passbook Recyclers Banking Units Branches Outlets (DSO) Kiosks (SSPB) (CR) (DBU) 95% 98% 93% 89% Transactions done New SHG Acquisition New SA acquisition
Slide 34: Accelerating Digital Growth 1/2
Accelerating Digital Growth….1/2 Channels & Products (Q1 FY’2024-25 vs Q1 FY’2025-26) Txn value Txn value 77,017 79,289 2,46,045 2,66,520 Txn value 775 in Rs Cr in Rs Cr in Rs Cr 333 123 12 310 7% 111 11% Not Applicable for FY’24-25 Q1 FY 24-25 Q1 FY 25-26 Q1 FY 24-25 Q1 FY 25-26 Q1 FY 24-25 Q1 FY 2
Slide 35: Accelerating Digital Growth 2/2
Accelerating Digital Growth….2/2 Merchant Ecosystem Turnover Turnover 9,836 15,691 in Rs Cr 1,373 2,491 in Rs Cr Point of Sale UPI – QR 26.58 0.53 35% 29% 19.76 0.41 Q1 FY24-25 Q1 FY25-26 Q1 FY24-25 Q1 FY25-26 POS UPI – QR Number of Terminals (In Lacs) Number of QR Issued (In Lacs) Turnover in Rs Cr
Slide 36: Accelerating Digital Lending
Accelerating Digital Lending Digital Retail Products 8 Retail Digital Sanctions FY25 1,443.37 Cr. Retail Products Personal Loan Auto Loan Education Loan Home Loan Top Up Pension Loan Solar Roof Top Co-Lending Two-Wheeler Loan Digital MSME Products 6 MSME Digital Sanctions FY25 3,634.2 Cr. MSME Produ
Slide 37: Consolidated Financials
Consolidated Financials V5 dep 3it aster Bank of Baroda 37
Slide 38: Subsidiaries and JVs Performance
Subsidiaries and JVs Performance Baroda BNP Paribas Asset Management India IndiaFirst Life Insurance Co. Ltd. (Subsidiary Pvt. Ltd. Holding – 64.99%) (Subsidiary Holding – 50.1%) ❑ AUM was recorded at Rs 32,495 crs as on Jun 30, 2025 against Rs 28,744 ❑ AAUM as on Jun 30, 2025 stands at Rs 52,933 cr
Slide 39: Subsidiaries and JVs Performance
Subsidiaries and JVs Performance BOBCARD Limited BOB Capital Markets Limited Baroda Global Shared Services Limited (Subsidiary Holding – 100%) (Subsidiary Holding – 100%) (Subsidiary Holding – 100%) ❑ Number of active Cards stood at 30.26 lacs as on ❑ Retail Broking revenue increased to Rs 5.64 crs
Slide 40: Subsidiaries and JVs Performance
Subsidiaries and JVs Performance India Infradebt Limited Nainital Bank Limited (Joint Venture of 40.99%) (Subsidiary Holding – 98.57%) ❑ Total advances increased to Rs 27,856.16 crs as on June 30,2025 from Rs ❑ Total Business increased to Rs 13,049.77 crs as on Jun 30, 2025 from Rs 23,470.94 crs as
Slide 41: Overseas Subsidiaries Performance
Overseas Subsidiaries Performance Bank of Baroda (Uganda) Ltd. Bank of Baroda (Kenya) Ltd. Bank of Baroda (Botswana) Ltd. (Subsidiary Holding – 80%) (Subsidiary Holding – 86.70%) (Subsidiary Holding – 100%) ❑ Total Deposits stands at INR 5,242.47 crore as ❑ Total Deposits stands at INR 10,867.54 cro
Slide 42: Balance Sheet and PL – Consolidated
Balance Sheet and PL– Consolidated Particulars Particulars Jun ’24 Mar’25 Jun’25 Q1FY25 Q1FY26 YOY (%) (INR crore) (INR crore) CAPITAL & LIABILITIES Net Interest Income 12,561 12,560 0.0 Capital 1,036 1,036 1,036 Share Application Money Pending Non-Interest Income 4,658 5,538 18.9 0 0 0 Allotment To
Slide 43: Disclaimer
Disclaimer The information contained in this presentation is provided by Bank of Baroda (the “Bank”) to you solely for your information. This document is highly confidential and being given solely for your use and may not be retained by you and neither this presentation nor any part thereof may be (
Slide 44: Thank you