Bank Of Baroda · NSE:BANKBARODA
Bank Of Baroda — Investor Presentation (June 2026)
30 slides from Bank Of Baroda's investor presentation, Jun 20, 2026
Slide 1: Exchange covering letter: Investor Presentation
BCC:ISD:118:16:308 20.06.2026 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
Slide 2: Investor Presentation June 2026
INVESTOR PRESENTATION June 2026 Figures in $ Mn (1 USD = Rs. 94.8350)* *FEDAI, as of 30 March 2026 0
Slide 3: Indian Economy Outlook – Fastest Growing Major Economy
Indian Economy Outlook – Fastest Growing Major Economy IMF Global Growth Forecast (1) India GDP per capita, PPP (2024) (2) Real GDP, Annual Percent Change USD Thousands 7.6 6.5 6.5 11.2 2025 2026F 2027F 10.3 9.2 5.0 4.4 8.1 7.2 7.0 4.0 3.4 3.1 3.2 2.3 2.3 1.9 2.0 2.1 2.1 1.4 1.1 1.2 1.3 0.8 1.3 1.1
Slide 4: Key Strengths
Key Strengths Strong domestic presence through 8,648 branches & >10,000 ATMs Well distributed branch network with 34.5% coverage in Rural, 26.1% in and Cash Recyclers supported by self-service channels Semi-urban, 21.6% Metro and 17.8% Urban Strong Government Sponsorship with a 63.97% Ownership by G
Slide 5: Key Highlights
Key Highlights Business Details (USD Mn) Key Performance Drivers Mar 31, 2025 Mar 31, 2026 YOY (%) Net Interest Margin (%) Net Profit (USD Mn) Domestic Deposits 130,982 147,761 12.8 Highest ever Net Profit International Deposits 24,239 26,066 7.5 2,065 2,111 Global Deposits 155,221 173,827 12.0 3.08
Slide 6: Financial Performance
Financial Performance 4 FEDAI Revaluation USD/INR Spot Rate as of 30.03.2026 – 1 USD = INR 94.8350
Slide 7: Key Ratios
Key Ratios Cost of Deposits Yield on Advances Net Interest Margin Domestic Domestic Domestic 5.33% 3.16% 3.25% 4.99% 5.00% 5.21% 5.07% 8.88% 3.08% 3.04% 8.76% 8.24% 2.93% 8.09% 7.99% Q4FY25 Q3FY26 Q4FY26 FY25 FY26 Q4FY25 Q3FY26 Q4FY26 FY25 FY26 Q4FY25 Q3FY26 Q4FY26 FY25 FY26 International Internatio
Slide 8: Operating Performance
Operating Performance Particulars Q4 FY25 Q3 FY26 Q4 FY26 YOY (%) FY25 FY26 YOY (%) (USD Mn) Interest on advances 2,480 2,537 2,609 5.2 9,812 10,117 3.1 Interest on investments 677 660 644 -4.9 2,736 2,643 -3.4 Other Interest income 124 151 188 52.2 348 631 81.3 Total Interest Income 3,281 3,348 3,4
Slide 9: Non-Interest Income
Non-Interest Income Particulars Q4 FY25 Q3 FY26 Q4 FY26 YOY (%) FY25 FY26 YOY (%) (USD Mn) Commission, Exchange, Brokerage 120 82 107 -11.2 355 352 -0.9 Incidental Charges 38 28 31 -19.7 148 131 -11.7 Forex Income 5 6 8 53.8 23 24 6.9 Other Miscellaneous Income 65 64 75 14.2 229 253 10.8 Fee based I
Slide 10: Operating Expenses
Operating Expenses Particulars Q4 FY25 Q3 FY26 Q4 FY26 YOY (%) FY25 FY26 YOY (%) (USD Mn) Employee Cost 458 433 344 -25.0 1,751 1,660 -5.2 of which: Salaries 359 360 367 2.1 1,341 1,425 6.2 Provisions for employees 99 74 -23 -- 410 235 -42.6 Other Operating Expenses 395 413 435 10.1 1,399 1,628 16.4
Slide 11: Profit Position
Profit Position Particulars Q4 FY25 Q3 FY26 Q4 FY26 YOY (%) FY25 FY26 YOY (%) (USD Mn) Operating Profit 857 778 956 11.5 3,420 3,402 -0.5 Total Provisions 164 84 332 -- 631 754 19.5 of which: 137 59 271 97.9 545 600 10.1 Provision for NPA & Bad Debts Written-off Provision for Non-Performing Investme
Slide 12: Business Performance
Business Performance 10
Slide 13: Deposits
Deposits Particulars % share in Domestic Deposits in Mar’26 Mar’25 Mar’26 YOY (%) Dec’25 Mar’26 QOQ (%) (USD Mn) Domestic CASA Deposits 52,350 57,472 9.8 52,993 57,472 8.5 Savings Deposits 32% Domestic Saving 43,094 47,022 9.1 44,063 47,022 6.7 Deposits Domestic Current 9,256 10,450 12.9 8,930 10,45
Slide 14: Advances
Advances Particulars % share in Gross Domestic Credit in Mar’26 Mar’25 Mar’26 YOY (%) Dec’25 Mar’26 QOQ (%) (USD Mn) Agriculture Retail* 27,061 31,908 17.9 30,135 31,908 5.9 16.3% Corporate Home Loans* 13,826 15,849 14.6 15,169 15,849 4.5 39.0% Auto Loans* 4,908 5,922 20.6 5,556 5,922 6.6 Mortgages
Slide 15: Industry-wise Outstanding
Industry-wise Outstanding Particulars Mar’25 Mar’26 Rating Profile (USD Mn) Outstanding Share (%) Outstanding Share (%) Infrastructure of which 12,281 11.4 12,472 10.1 1. Power 6,465 6.0 8,305 6.7 2. Telecom 794 0.7 895 0.7 3. Roads & Ports 3,773 3.5 1,916 1.6 4. Other Infrastructure 1,249 1.2 1,356
Slide 16: Asset Quality
Asset Quality 14
Slide 17: Strong Asset Quality
Strong Asset Quality Gross NPA & Net NPA Slippage Ratio & Credit Cost 2.50 1.40 2.26 2.28 2.16 2.04 1.16 1.20 1.89 2.00 1.00 0.91 1.00 0.89 0.86 1.50 0.80 0.60 1.00 0.58 0.60 0.57 0.57 0.76 0.40 0.45 0.50 0.55 0.44 0.20 0.29 0.17 - - Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4F
Slide 18: Movement of NPAs
Movement of NPAs Particulars Q4 FY25 Q3 FY26 Q4 FY26 FY25 FY26 (USD Mn) A. Opening Balance 3,002 2,910 2,889 3,357 2,935 B. Additions 333 314 359 982 1,086 Out of which, Fresh Slippages 303 282 310 866 913 C. Reductions 400 336 395 1,403 1,168 Recovery 118 103 146 348 353 Upgradation 87 82 90 108 11
Slide 19: Sectoral & Industry wise Contribution of NPAs
Sectoral & Industry wise Contribution of NPAs Sector-wise NPA Industry-wise NPA Particulars (USD Mn) Q4 FY25 Q3 FY26 Q4 FY26 Particulars (USD Mn) Q4 FY25 Q3 FY26 Q4 FY26 Infrastructure of which 6 3 2 Corporate 0.1 3.6 24 1. Power 0.3 0.1 0.1 2. Telecom 0.2 0.1 0.1 MSME 1,065 1,185 1,024 3. Roads & P
Slide 20: Capital Adequacy
Capital Adequacy 18
Slide 21: Capital Adequacy
Capital Adequacy CET-1 AT-1 Tier II 17.19% 17.61% 16.54% 16.25% 2.46% 15.29% 15.82% 2.40% 2.39% 2.12% 1.01% 1.03% 2.19% 2.18% 0.79% 0.48% 0.48% 0.65% 13.78% 14.12% 13.36% 13.16% 13.65% 12.45% Mar'25 Jun'25 Sep'25 Dec'25 Mar'26 Consol Mar'26 Particulars (USD Mn) Mar’25 Dec’25 Mar’26 Mar’26 (Consolida
Slide 22: Digital Banking - Accelerating Digital Transformation
Digital Banking - Accelerating Digital Transformation 20
Slide 23: Leveraging Digital Infrastructure
Leveraging Digital Infrastructure Digital Touch Points Increasing Digital Leadership Across the Adoption Industry Q4 FY’25 Q4 FY’26 ATMs 9,316 9,538 2nd in Debit Card Issuance Source: NPCI 20,057 Digital Touch Points SSPBP 4,974 8,382 97% 94% 3rd in UPI Autopay Source: NPCI Transactions New SA done
Slide 24: Consolidated Financials
Consolidated Financials 22
Slide 25: Subsidiaries and JVs Performance
Subsidiaries and JVs Performance Baroda BNP Paribas Asset IndiaFirst Life Insurance Co. Ltd. BOBCARD Limited Management India Pvt. Ltd. (Holding – 64.92%) (Holding – 100%) (Holding – 50.1%) AUM stood at USD 3,628 Mn as on Mar 31, Number of active Cards stood at 3.2 Mn as AAUM for Mar ,31 2026
Slide 26: Subsidiaries and JVs Performance
Subsidiaries and JVs Performance BOB Capital Markets Limited Baroda Global Shared Services Limited (Holding – 100%) (Holding – 100%) Gross Revenue decreased to USD 4.45 Mn for FY25-26 from Revenue from operations was USD 25 Mn for FY25-26 against USD 5.17 Mn as for FY24-25. YOY decline of 13.85%
Slide 27: Subsidiaries and JVs Performance
Subsidiaries and JVs Performance India Infradebt Limited Nainital Bank Limited (Joint Venture stake of 40.99%) (Holding – 98.62%) India Infra debt limited has focused on renewable energy, roads Total Business increased to USD 1,489 Mn in FY25-26 from USD 1,395 Mn for FY24-25 YOY growth of 6.75%.
Slide 28: 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 USD 660 Mn as at Total Deposits stands at USD 1,195 Mn as at T
Slide 29: Balance Sheet and PL– Consolidated
Balance Sheet and PL– Consolidated Particulars Particulars Mar’25 Dec’25 Mar’26 FY25 FY26 YOY (%) (USD Mn) (USD Mn) CAPITAL & LIABILITIES Interest Income 13,582 14,161 4.3 Capital 109 109 109 Non Interest Income 2,539 2,375 -6.4 Share Application Money 0 0 0 Pending Allotment Total Income 16,121 16,
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