Bank Of Baroda · NSE:BANKBARODA
Bank Of Baroda — Q2 FY2026 Earnings Presentation
44 slides from Bank Of Baroda's earnings presentation, Oct 31, 2025
Slide 1: Performance Analysis Q2FY26
Performance Analysis Q2FY26
Slide 2: Key Highlights
dap 3im asigr Bank of Baroda Key Highlights
Slide 3: Key Highlights
Key Highlights Business Details (INR crore) Key Performance Drivers Sep 30, 2024 Sep 30, 2025 YOY (%) Net Interest Margin (%) Net Profit (INR crore) Domestic Deposits 11,59,919 12,71,992 9.7 International Deposits 2,12,695 2,28,020 7.2 Global Deposits 13,72,614 15,00,012 9.3 3.11 3.08 19,581 Retail
Slide 4: Financial Performance
dap 3iim asigr Bank of Baroda Financial Performance
Slide 5: Key Ratios
Key Ratios Cost of Deposits Yield on Advances Net Interest Margin Domestic Domestic Domestic 3.27% 3.25% 5.16% 5.22% 5.07% 5.21% 5.14% 8.93% 3.06% 3.10% 3.08% 8.61% 8.31% 8.88% 8.46% Q2FY25 Q1FY26 Q2FY26 FY25 H1FY26 Q2FY25 Q1FY26 Q2FY26 FY25 H1FY26 Q2FY25 Q1FY26 Q2FY26 FY25 H1FY26 International Inte
Slide 6: Operating Performance
Operating Performance Particulars Q2 FY25 Q1 FY26 Q2 FY26 YOY (%) H1 FY25 H1 FY26 YOY (%) (INR crore) Interest on advances 23,058 23,636 23,505 1.9 45,718 47,141 3.1 Interest on investments 6,536 6,321 6,376 -2.4 12,974 12,697 -2.1 Other Interest income 684 1,135 1,630 -- 1,215 2,765 -- Total Intere
Slide 7: Non-Interest Income
Non-Interest Income Particulars Q2 FY25 Q1 FY26 Q2 FY26 YOY (%) H1 FY25 H1 FY26 YOY (%) (INR crore) Commission, Exchange, Brokerage 765 738 807 5.5 1484 1,545 4.1 Incidental Charges 367 349 336 -8.4 684 685 0.1 Forex Income 55 47 49 -10.9 115 96 -16.5 Other Miscellaneous Income 586 488 598 2.0 969 1
Slide 8: Operating Expenses
Operating Expenses Particulars Q2 FY25 Q1 FY26 Q2 FY26 YOY (%) H1 FY25 H1 FY26 YOY (%) (INR crore) Employee Cost 4,040 4,308 4,061 0.5 8,054 8,368 3.9 of which: Salaries 3,044 3,320 3,299 8.4 6,252 6,618 5.9 Provisions for employees 996 988 762 -23.5 1,802 1,750 -2.9 Other Operating Expenses 3,286 3
Slide 9: Profit Position
Profit Position Particulars Q2 FY25 Q1 FY26 Q2 FY26 YOY (%) H1 FY25 H1 FY26 YOY (%) (INR crore) Operating Profit 9,477 8,236 7,576 -20.1 16,638 15,812 -5.0 Total Provisions 2,336 1,967 1,232 -47.2 3,346 3,199 -4.4 of which: 1,733 1,686 883 -49.1 3,002 2,569 -14.4 Provision for NPA & Bad Debts Writte
Slide 10: Business Performance
1 AE Trust 5S wa Goo 2 Innovation: Business Performance dap 3iim asigr Bank of Baroda 10
Slide 11: Deposits
Deposits Particulars % share in Domestic Deposits in Sep’25 Sep’24 Sep’25 YOY (%) Jun’25 Sep’25 QOQ (%) (INR crore) Domestic CASA Deposits 4,58,425 4,88,660 6.6 4,73,637 4,88,660 3.2 Savings Deposits Domestic Saving 32% 3,87,468 4,08,348 5.4 4,01,582 4,08,348 1.7 Deposits Domestic Current 70,957 80,
Slide 12: Advances
Advances Particulars % share in Gross Domestic Credit in Sep’25 Sep’24 Sep’25 YOY (%) Jun’25 Sep’25 QOQ (%) (INR crore) Agriculture Retail* 2,32,311 2,73,116 17.6 2,61,479 2,73,116 4.5 16.2% Home Loans* 1,19,253 1,38,917 16.5 1,33,673 1,38,917 3.9 Auto Loans* 42,114 49,559 17.7 47,446 49,559 4.5 Cor
Slide 13: Industry-wise Outstanding
Industry-wise Outstanding Particulars (INR crore) Sep’24 Sep’25 Rating Profile Outstanding Share (%) Outstanding Share (%) Infrastructure of which 1,13,575 12.1 1,14,408 10.9 1. Power 58,829 6.3 63,549 6.1 2. Telecom 7,958 0.9 6,442 0.6 3. Roads & Ports 33,863 3.6 34,384 3.3 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 Jun’25 Sep’25 Outstanding Outstanding 15% 13% % Share % Share (INR crore) (INR crore) Pvt others AAA 1,01,561 68.39 1,13,626 69.61 40% Backed by Large 41%
Slide 15: Treasury Operations
Treasury Operations Particulars (INR crore) Sep’24 Jun’25 Sep’25 • Domestic investment book comprises of 71.09% in HTM; 19.78% in AFS; 7.76% in FVTPL and 1.37% in Subsidiaries / Joint Domestic Investments 3,60,244 3,59,734 3,72,290 Ventures and RRB’S • The percentage of Investments in SLR Securities
Slide 16: Financial Inclusion
Financial Inclusion Total Financial Inclusion Accounts Balance /Avg Balance in FI accounts Zero Balance Accounts (%) (in Lakh) 42,111 43,729 37,886 4.97% 731 4.73% 4.77% 726 714 Sep'24 Jun'25 Sep'25 5,306 5,803 5,982 Market Share* of BOB in PMJDY Accounts (%) 15.12% 15.01% 14.92% Sep'24 Jun'25 Sep'2
Slide 17: Asset Quality
Asset Quality dap 3im asigr Bank of Baroda 17
Slide 18: Strong Asset Quality
Strong Asset Quality Gross NPA & Net NPA Slippage Ratio & Credit Cost 3.00 1.40 2.50 1.16 2.43 1.20 2.28 2.50 1.07 2.26 2.16 1.00 0.90 0.91 1.00 2.00 0.80 1.50 0.65 0.55 0.60 0.44 1.00 0.40 0.60 0.59 0.58 0.60 0.30 0.29 0.57 0.50 0.20 - - Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q2FY25 Q3FY25 Q4FY25 Q1FY2
Slide 19: Movement of NPAs
Movement of NPAs Particulars Q2 FY25 Q1 FY26 Q2 FY26 H1 FY25 H1 FY26 (INR crore) A. Opening Balance 30,873 27,835 27,572 31,834 27,835 B. Additions 3,110 3,686 3,064 5,297 6,062 Out of which, Fresh Slippages 2,788 3,476 2,669 4,768 5,390 C. Reductions 5,432 3,950 3,036 8,580 6,297 Recovery 960 750 9
Slide 20: Sectoral & Industry wise Contribution of NPAs
Sectoral & Industry wise Contribution of NPAs Sector-wise NPA Industry-wise NPA Particulars (INR crore) Q2 FY25 Q1 FY26 Q2 FY26 Particulars (INR crore) Q2 FY25 Q1 FY26 Q2 FY26 Infrastructure of which 68 65 25 Corporate 623 55 1 1. Power 2 2 2 MSME 10,974 10,619 10,218 2. Telecom 2 1 1 3. Roads & Por
Slide 21: Asset Quality: Sectoral Fresh Slippages
Asset Quality : Sectoral Fresh Slippages CRILC o/s SMA1 and SMA 2 (%) Fresh Slippages Particulars (INR crore) Q2 FY25 Q1 FY26 Q2 FY26 H1 FY25 H1 FY26 Corporate 57 0 1 105 1 MSME 1,156 1,228 986 1,989 1,875 0.47 0.40 0.39 Retail 817 995 833 1,392 1,535 Agriculture 737 725 834 1,260 1,438 Others 6 14
Slide 22: Exposure to NCLT Accounts
Exposure to NCLT Accounts 42,079 31,418 99% 100% 100% 100% 99% 4,175 4,177 2,309 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% 16.97% 16.26% 15.96% 16.54% 2.46% Tier II 2.40% 2.32% 2.08% 2.39% 2.52% 1.01% 1.03% 0.77% AT-1 1.51% 0.79% 1.06% CET-1 13.78% 14.12% 13.36% 13.88% 12.67% 12.38% Sep'24 Dec'24 Mar'25 Jun'25 Sep'25 Consol Sep'25 Particulars (INR crore) Sep’24 Jun’25 Sep’25 Sep’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 multilateral -250- Bank’s branches on lease premises (1.75 MW in finance agency, under the programme known as total) in rural/semi urban areas are being run on Solar Waterle
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 Bank’s 118th Foundation Day 2025 2024 for: ▪ Raising Green Deposits and facilitating the flow of Credit ▪ Mobilized ₹ 1,513.31 Cr. of Green Deposits as on ▪ The Bank’s 118th Foundation Day 2025 was observed f
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 2024-25. ▪ To integrate ESG factors in the core business ▪ Third-Party Impact Assessment and Verific
Slide 30: Sustainability Initiatives 5/5
Sustainability Initiatives….5/5 Undertaking Compulsory Local Community ‘Listen. Learn. Lead.' – L3 Motivational Speaker Inter Zonal Sports & Cultural Service / Social Activity Series Tournaments To commemorate the Bank’s 118th Foundation Day, all In line with our ongoing commitment to cultivating a
Slide 31: Digital Banking
Digital Banking dap 3im asigr Bank of Baroda 31
Slide 32: Accelerating Digital Transformation
Accelerating Digital Transformation Innovate - Integrate - Inspire bob World bob World Business bob इ Pay 32
Slide 33: Leveraging Digital Infrastructure
Leveraging Digital Infrastructure 16,574 9,497 5,041 1,960 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) 96% 99% 92% 92% Transactions done New SHG Acquisition New SA acquisition N
Slide 34: Accelerating Digital Growth 1/2
Accelerating Digital Growth….1/2 Channels & Products Customers Onboarded on Digital Channels : 41 Lac users (Q2 FY’2024-25 vs Q2 FY’2025-26) (During Q2 FY 2025-26) Txn value Txn value 2,54,405 2,60,920 Txn value 82,564 84,502 1,363 in Rs Cr in Rs Cr in Rs Cr 30.4 126 341 10% 318 7% 115 Not Applicabl
Slide 35: Accelerating Digital Growth 2/2
Accelerating Digital Growth….2/2 Merchant Acquisition : 2.05 Lac Merchants Merchant Ecosystem (During Q2 FY 2025-26) Turnover Turnover 14, 356 16,186 1,564 1,731 in Rs Cr in Rs Cr Point of Sale UPI – QR 28.5 0.55 33 % 0.44 25 % 21.4 Q2 FY24-25 Q2 FY25-26 Q2 FY24-25 Q2 FY25-26 POS UPI – QR Number of
Slide 36: Accelerating Digital Lending
Accelerating Digital Lending Digital Sanctions - Digital Retail Products : 7 Q2 FY’24-25 Q2 FY’25-26 ₹ 4,885 Cr. ₹ 7,870 Cr. Retail Products Retail Digital Sanctions (Value in Cr.) 1585 1991 Personal Loan Auto Loan Education Loan Home Loan Pension Loan Solar Roof Top Two-Wheeler 26 % Top Up Loan Dig
Slide 37: Consolidated Financials
1 AE Trust 5S wa Goo 2 Innovation: Consolidated Financials dap 3im asigr 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%) ❑AAUM as on Sep 30, 2025 stands at Rs 55,596 crs over Rs 49,096 ❑AUM was recorded at Rs 32,825 crs as on Sep 30, 2025 aga
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 30.73 lacs as ❑ Broking revenue increased to Rs 12.84 crs in ❑ DST
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 28,633.72 crs in H1 FY2026 ❑Total Business increased to Rs12,935 crs as on Sep 30, 2025 from Rs 12,859 crs as on Sep 30, 2024. YOY gr
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 5,890.27 crore as ❑ Total Deposits stands at INR 10,855.85 cro
Slide 42: Balance Sheet and PL – Consolidated
Balance Sheet and PL– Consolidated Particulars Particulars Sep ’24 Jun’25 Sep’25 Q2FY25 Q2FY26 YOY (%) (INR crore) (INR crore) CAPITAL & LIABILITIES Net Interest Income 12,636 13,127 3.9 Capital 1,036 1,036 1,036 Share Application Money Pending Non-Interest Income 7,553 5,116 -32.3 0 0 0 Allotment T
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