Bank Of Baroda · NSE:BANKBARODA
Bank Of Baroda — Q1 FY27 Earnings Presentation
47 slides from Bank Of Baroda's earnings presentation, Jul 24, 2026
Slide 1: Exchange filing cover letter: Investor Presentation
BCC:ISD:118:16:367 24.07.2026 The Vice-President, The Vice-President, B S E Ltd., National Stock Exchange of India Ltd. Phiroze Jeejeebhoy Towers Exchange Plaza, Dalal Street Bandra Kurla Complex, Bandra (E) Mumbai – 400 001 Mumbai – 400 051 BSE CODE-532134 CODE-BANKBARODA Madam/Dear Sir, Re: Bank o
Slide 2: Performance Analysis Q1FY27
Performance Analysis Q1FY27
Slide 3: Key Highlights
Key Highlights B Bank of Baroda India’s International Bank
Slide 4: Key Highlights
Key Highlights Business Details (INR crore) Key Performance Drivers Jun 30, 2025 Jun 30, 2026 YOY (%) Net Profit (INR crore) Net Interest Margin (%) Without considering Domestic Deposits 12,04,283 13,81,535 14.7 Exceptional Item Net Profit: INR 5,528 crore International Deposits 2,31,351 2,52,024 8.
Slide 5: Value to our Shareholders
Value to our Shareholders Book Value per Share (INR) Without considering Earnings per Share (INR) (Non-Annualised) Exceptional Item BVPS : INR 264.5 10.9 256.2 10.1 233.4 242.0 250.8 251.7 9.4 9.8 9.3 9.8 8.8 210.8 220.0 223.3 8.6 197.6 Without considering Exceptional Item EPS : INR 10.69 2.5 Q1FY25
Slide 6: Financial Performance
Financial Performance GB Bank of Baroda India’s International Bank
Slide 7: Key Ratios
Key Ratios Cost of Deposits Yield on Advances Net Interest Margin Domestic Domestic Domestic 5.22% 5.00% 5.07% 8.61% 8.24% 3.06% 3.08% 3.04% 4.86% 4.86% 7.99% 7.91% 7.91% 2.93% 2.93% Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 International Inte
Slide 8: Operating Performance
Operating Performance Particulars Q1 FY26 Q4 FY26 Q1 FY27 YoY (%) (INR crore) Interest on advances 23,636 24,745 25,524 8.0 Interest on investments 6,321 6,109 6,556 3.7 Other Interest income 1,135 1,787 1,131 -0.4 Total Interest Income 31,091 32,642 33,211 6.8 Interest on Deposits 17,639 17,990 18,
Slide 9: Non-Interest Income
Non-Interest Income Particulars Q1 FY26 Q4 FY26 Q1 FY27 YoY (%) (INR crore) Commission, Exchange, Brokerage 738 1,012 392 -46.8 Incidental Charges 349 293 296 -15.2 Forex Income 47 80 54 14.9 Other Miscellaneous Income 488 708 549 12.5 Fee based Income 1,622 2,093 1,291 -20.4 Trading Gains – Profit
Slide 10: Operating Expenses
Operating Expenses Particulars Q1 FY26 Q4 FY26 Q1 FY27 YoY (%) (INR crore) Employee Cost 4,308 3,262 4,247 -1.4 of which: Salaries 3,320 3,479 3,568 7.5 Provisions for employees 988 -217 679 -31.3 Other Operating Expenses 3,565 4,129 3,621 1.6 of which : 415 532 433 4.4 Rent, Taxes and Lighting Prin
Slide 11: Profit Position
Profit Position Particulars Q1 FY26 Q4 FY26 Q1 FY27 YoY (%) (INR crore) Operating Profit 8,236 9,069 8,127 -1.3 Total Provisions 1,967 3,150 6,323 -- of which: 1,686 2,566 1,043 -38.2 Provision for NPA & Bad Debts Written-off Provision for Non-Performing Investment -86 315 -106 -- Provision for Stan
Slide 12: Business Performance
Business Performance GB Bank of Baroda India’s International Bank 11
Slide 13: Deposits
Deposits Particulars % share in Domestic Deposits in Jun’26 Jun’25 Jun’26 YOY (%) Mar’26 Jun’26 QOQ (%) (INR crore) Domestic CASA Deposits 4,73,637 5,21,149 10.0 5,45,034 5,21,149 -4.4 Savings Deposits Domestic Saving 32% 4,01,582 4,38,643 9.2 4,45,929 4,38,643 -1.6 Deposits Domestic Current 72,055
Slide 14: Advances
Advances Particulars Jun’25 Jun’26 YOY (%) Mar’26 Jun’26 QOQ (%) (INR crore) % share in Gross Domestic Credit in Jun’26 Retail* 2,61,479 3,09,674 18.4 3,02,598 3,09,674 2.3 Agriculture 16.7% Home Loans* 1,33,673 1,53,285 14.7 1,50,305 1,53,285 2.0 Auto Loans* 47,446 59,436 25.3 56,157 59,436 5.8 Mor
Slide 15: Industry-wise Outstanding
Industry-wise Outstanding Jun’25 Jun’26 Particulars (INR crore) Outstanding Share (%) Outstanding Share (%) Infrastructure of which 1,29,644 13.1 1,15,673 10.1 1. Power 59,197 6.0 78,932 6.9 2. Telecom 7,112 0.7 8,138 0.7 3. Roads & Ports 33,771 3.4 16,358 1.4 4. Other Infrastructure 29,565 3.0 12,2
Slide 16: 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’26 Jun’26 Outstanding Outstanding 13% 12% % Share % Share (INR crore) (INR crore) Pvt others AAA 1,38,847 71.45 1,35,803 74.01 39% 40% Backed by Large
Slide 17: Treasury Operations
Treasury Operations Particulars (INR crore) Jun’25 Mar’26 Jun’26 • Domestic investment book comprises of 74% in HTM; 15% in AFS; Domestic Investments 3,59,734 3,72,318 3,94,078 10% in FVTPL and 1% in Subsidiaries / Joint Ventures and RRB’S • The percentage of Investments in SLR Securities to NDTL as
Slide 18: Financial Inclusion
Financial Inclusion Total Financial Inclusion Accounts Balance /Avg Balance in FI accounts Zero Balance Accounts (%) (in Lakh) 4.80% 4.80% 4.73% 741 49,618 48,801 736 42,111 726 Jun'25 Mar'26 Jun'26 5,803 6,742 6,586 Market Share* of BOB in PMJDY Accounts (%) Jun'25 Mar'26 Jun'26 15.01% 14.80% 14.79
Slide 19: Priority Sector Performance & Govt. Flagship Schemes
Priority Sector Performance & Govt. Flagship Schemes As on 30th June 2026 (YTD) ➢ Total Priority (43.15% of ANBC against norm of 40%) No. of Amt. in A/c Crore Mandated ➢ Agriculture (PS) Advances (18.94% of ANBC against norm of 18%) PM Vidyalaksh Norms under mi Scheme Sanctioned 1,071 155 ➢ Small &
Slide 20: Asset Quality
Asset Quality GB Bank of Baroda India’s International Bank
Slide 21: Strong Asset Quality
Strong Asset Quality Gross NPA & Net NPA Slippage Ratio & Credit Cost 2.50 1.40 2.28 2.16 2.04 1.16 1.99 1.20 1.89 2.00 0.91 0.91 1.00 0.86 0.89 1.50 0.80 0.60 1.00 0.60 0.57 0.57 0.76 0.40 0.45 0.50 0.50 0.55 0.20 0.29 0.29 0.17 - - Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1F
Slide 22: Movement of NPAs
Movement of NPAs Particulars Q1 FY26 Q4 FY26 Q1 FY27 (INR crore) A. Opening Balance 27,835 27,399 27,059 B. Additions 3,686 3,408 3,422 Out of which, Fresh Slippages 3,476 2,944 3,183 C. Reductions 3,950 3,749 2,330 Recovery 750 1,381 880 Upgradation 810 852 814 Cash Recovery + Upgradation 1,560 2,2
Slide 23: Sectoral & Industry wise Contribution of NPAs
Sectoral & Industry wise Contribution of NPAs Sector-wise NPA Industry-wise NPA Particulars (INR crore) Q1 FY26 Q4 FY26 Q1 FY27 Particulars (INR crore) Q1 FY26 Q4 FY26 Q1 FY27 Infrastructure of which 65 17 25 Corporate 55 34 34 1. Power 2 1 1 MSME 10,619 9,713 9,903 2. Telecom 1 1 1 3. Roads & Ports
Slide 24: Asset Quality: Sectoral Fresh Slippages
Asset Quality : Sectoral Fresh Slippages Fresh Slippages CRILC o/s SMA1 and SMA 2 (%) Particulars (INR crore) Q1 FY26 Q4 FY26 Q1 FY27 Corporate 0 34 0 MSME 1,228 1,241 1,298 0.40 Retail 995 686 870 0.18 Agriculture 725 903 993 0.07 Others 14 19 18 Jun'25 Mar'26 Jun'26 Total Domestic 2,962 2,883 3,17
Slide 25: Exposure to NCLT Accounts
Exposure to NCLT Accounts 39,271 29,294 100% 100% 100% 99% 99% 4,138 3,512 2,327 RBI List 1 RBI List 2 Account filed Account filed Total RBI 1 List RBI 2 List Accounts Accounts Total by BOB by others filed by BOB filed by at NCLT others at Exposure in INR Crore Provision Coverage (%) NCLT Provision
Slide 26: Capital Adequacy
Capital Adequacy GB Bank of Baroda India’s International Bank 25
Slide 27: Capital Adequacy
Capital Adequacy 17.61% 16.54% 16.30% 16.70% 2.46% 15.29% 15.82% Tier II 2.39% 1.89% 1.84% 1.03% 2.19% 2.18% 0.51% 0.50% AT-1 0.79% 0.48% 0.65% CET-1 14.12% 13.36% 13.90% 14.36% 12.45% 13.16% Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Consol Jun'26 Particulars (INR crore) Jun’25 Mar’26 Jun’26 Jun’26 (Consol
Slide 28: Sustainability Initiatives
Sustainability Initiatives 27
Slide 29: Sustainability Initiatives 1/5
Sustainability Initiatives….1/5 Sustainable & Social Loans Efficiency & Green Initiatives Bank has executed an MOU with KFW, a multilateral Till date -537- Bank’s Owned/Leased/RSETI premises Waterless Urinals and Water Efficient Plumbing Fixtures are finance agency, under the programme known as (5.4
Slide 30: Sustainability Initiatives 2/5
Sustainability Initiatives….2/5 Governance Frameworks ➢ Pioneer PSB with a stakeholder-centric ‘Code of Ethics’ resting on our Five Pillars We Barodians ➢ Version 2.0/2025 Launched 01st April 2025 Our Our Customers Communities ➢ Regular outreach programs, webinars, and workshops to promote ethics Ou
Slide 31: Sustainability Initiatives 3/5
Sustainability Initiatives….3/5 Achievements ESG Rating Green Deposits Green Infrastructure Bonds ▪ Mobilized ₹ 2326.19 Cr. of Green Deposits Raised Long-Term Green Infrastructure Bonds on ▪ ESG rating upgraded by ESGRisk.ai (Acuite Group). March 04, 2026: [Outstanding ₹ 1747] as on June 30, 2026. ‘
Slide 32: Sustainability Initiatives 4/5
Sustainability Initiatives….4/5 Initiatives for ESG and Climate Risk Management Rationale of the Initiatives Strategy ▪ To disclose progress achieved in Bank's ESG metrics and net-zero target by 2057 to the ▪ Published Bank’s Business Responsibility and stakeholders and attract sustainability focuse
Slide 33: Sustainability Initiatives 5/5
Sustainability Initiatives….5/5 • Observance of World Blood Donor Day • Observance of International Day of Yoga 2026 On World Blood Donor Day To mark International Day of (14 June), the Bank honoured Yoga 2026 (21 June), the voluntary blood donors by Bank partnered with Sri Sri administering a pledg
Slide 34: Digital Banking - Accelerating Digital Transformation
Digital Banking - Accelerating Digital Transformation 33
Slide 35: Leveraging Digital Infrastructure
Leveraging Digital Infrastructure As of Jun’26 34
Slide 36: Digital Initiatives
Digital Initiatives Driving Innovation. Expanding Inclusion. Enhancing Security. Ql FY26-27 @ rer vives bob World Lite bob % Pay bob World bob World Tab Digital Lending in collaboration with M/s Jio €Q ees Bate ieee Digital Application See i aarrssenren UPI-based © orienta « e ») @ serene bob §Pay|
Slide 37: Accelerating Digital Growth 1/2
Accelerating Digital Growth….1/2 Channels & Products (Q1 FY’2025-26 vs Q1 FY’2026-27) Txn value Txn value 2,66,520 2,96,242 Txn value 79,289 84,065 in Rs Cr in Rs Cr in Rs Cr 775 1428 357 134 37.78 333 7% 9% 123 215% 12 Q1 FY 25-26 Q1 FY 26-27 Q1 FY 25-26 Q1 FY 26-27 Q1 FY 25-26 Q1 FY 26-27 bob Worl
Slide 38: Accelerating Digital Growth 2/2
Accelerating Digital Growth….2/2 Merchant Ecosystem Turnover Turnover 15,691 16,847 2,565 2,151 in Rs Cr in Rs Cr Point of Sale 15 % 0.61 28% 34.02 0.53 UPI – QR 26.58 Q1 FY25-26 Q1 FY26-27 Q1 FY25-26 Q1 FY26-27 POS UPI – QR Number of Terminals (In Lacs) Number of QR Issued Column1 (In Lacs) Turnove
Slide 39: Accelerating Digital Lending
Accelerating Digital Lending Total Digital Sanctions (Value in Cr.) 4345 155% 1700 Q1 FY 25-26 Q1 FY 26-27 Retail Digital Sanctions (Value in Cr.) 4065 172% 1497 Q1 FY 25-26 Q1 FY 26-27 Agri Digital Sanctions (Value in Cr.) 37% 280 205 Q1 FY 25-26 Q1 FY 26-27 38
Slide 40: Consolidated Financials
UY LEADING WITH TRUST Consolidated Financials GB Bank of Baroda India’s International Bank 39
Slide 41: Subsidiaries and JVs Performance
Subsidiaries and JVs Performance Baroda BNP Paribas Asset IndiaFirst Life Insurance Co. Ltd. BOBCARD Limited Management India Pvt. Ltd. (Holding – 64.90%) (Holding – 100%) (Holding – 50.1%) ❑ AUM stood at Rs 36,479 crs as on Jun 30, 2026 ❑ Number of active Cards stood at 32.12 lacs over Rs 32,496 cr
Slide 42: Subsidiaries and JVs Performance
Subsidiaries and JVs Performance BOB Capital Markets Limited Baroda Global Shared Services Limited (Holding – 100%) (Holding – 100%) ❑ Gross Revenue increased to Rs 11.84 crs for Q1 FY26-27 from Rs 8.83 ❑ Revenue from operations increased to Rs 59.00 crs for Q1 FY26-27 crs as in Q1 FY25-26. YOY grow
Slide 43: Subsidiaries and JVs Performance
Subsidiaries and JVs Performance India Infradebt Limited Nainital Bank Limited (Joint Venture stake of 40.99%) (Holding – 98.62%) ❑ Total Business increased to Rs 14,063.18 crs in Q1 FY26-27 from Rs ❑ Total advances increased to Rs 31,166.22 crs in Q1 FY26-27 13,049.78 crs in Q1 FY25-26 YOY growth o
Slide 44: 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 7,041.10 crore as ❑ Total Deposits stands at INR 11,770.08 cro
Slide 45: Balance Sheet and PL – Consolidated
Balance Sheet and PL– Consolidated Particulars Particulars Jun’25 Mar’26 Jun’26 Q1FY26 Q1FY27 YOY (%) (INR crore) (INR crore) CAPITAL & LIABILITIES Interest Income 32,866 35,115 6.8 Capital 1,036 1,036 1,036 Non Interest Income 5,538 6,202 12.0 Share Application Money Pending 0 0 0 Allotment Total I
Slide 46: 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 47: Thank You
Thank You B Bank of Baroda India’s International Bank