Bank Of Baroda · NSE:BANKBARODA
Bank Of Baroda — Q4 FY26 Earnings Presentation
48 slides from Bank Of Baroda's earnings presentation, May 8, 2026
Slide 1: Exchange filing cover letter: Investor Presentation
BCC:ISD:118:16:222 08th May 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: Ban
Slide 2: Performance Analysis Q4FY26 & FY26
Performance Analysis Q4FY26 & FY26
Slide 3: Key Highlights
Bank of Baroda India’s International Bank Key Highlights
Slide 4: Key Highlights
Key Highlights Business Details (INR crore) Key Performance Drivers Mar 31, 2025 Mar 31, 2026 YOY (%) Net Profit (INR crore) Domestic Deposits 12,42,169 14,01,290 12.8 Net Interest Margin (%) Highest ever Net Profit International Deposits 2,29,866 2,47,197 7.5 Global Deposits 14,72,035 16,48,487 12.
Slide 5: Value to our Shareholders
Value to our Shareholders Book Value per Share (INR) Earnings per Share (INR) (Non-Annualised) 251.7 38.7 223.3 37.9 34.4 181.5 27.3 148.8 FY23 FY24 FY25 FY26 FY23 FY24 FY25 FY26 Shareholding Pattern Credit Ratings Others, 9.68% Moodys Ratings Fitch Ratings S&P Global Ratings Baa3/P-3/Stable BBB- /
Slide 6: Financial Performance
aa 31m ah 7 THE BANKER Ws Bank of Baroda India’s International Bank Financial Performance
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 (%) (INR crore) Interest on advances 23,522 24,056 24,745 5.2 93,051 95,942 3.1 Interest on investments 6,421 6,262 6,109 -4.9 25,949 25,068 -3.4 Other Interest income 1,174 1,431 1,787 52.2 3,301 5,983 81.3 Total Intere
Slide 9: Non-Interest Income
Non-Interest Income Particulars Q4 FY25 Q3 FY26 Q4 FY26 YOY (%) FY25 FY26 YOY (%) (INR crore) Commission, Exchange, Brokerage 1,139 778 1,012 -11.2 3,366 3,334 -0.9 Incidental Charges 365 264 293 -19.7 1,406 1,242 -11.7 Forex Income 52 57 80 53.8 217 232 6.9 Other Miscellaneous Income 620 609 708 14
Slide 10: Operating Expenses
Operating Expenses Particulars Q4 FY25 Q3 FY26 Q4 FY26 YOY (%) FY25 FY26 YOY (%) (INR crore) Employee Cost 4,347 4,111 3,262 -25.0 16,608 15,741 -5.2 of which: Salaries 3,406 3,414 3,479 2.1 12,718 13,510 6.2 Provisions for employees 941 698 -217 -- 3,890 2,231 -42.6 Other Operating Expenses 3,750 3
Slide 11: Profit Position
Profit Position Particulars Q4 FY25 Q3 FY26 Q4 FY26 YOY (%) FY25 FY26 YOY (%) (INR crore) Operating Profit 8,132 7,377 9,069 11.5 32,435 32,259 -0.5 Total Provisions 1,552 799 3,150 -- 5,980 7,149 19.5 of which: 1,297 559 2,566 97.9 5,170 5,694 10.1 Provision for NPA & Bad Debts Written-off Provisio
Slide 12: Business Performance
Business Performance V5 Bank of Baroda India’s International Bank THE BANKER 11
Slide 13: Deposits
Deposits Particulars % share in Domestic Deposits in Mar’26 Mar’25 Mar’26 YOY (%) Dec’25 Mar’26 QOQ (%) (INR crore) Domestic CASA Deposits 4,96,462 5,45,034 9.8 5,02,560 5,45,034 8.5 Savings Deposits Domestic Saving 32% 4,08,684 4,45,929 9.1 4,17,873 4,45,929 6.7 Deposits Domestic Current 87,778 99,
Slide 14: Advances
Advances Particulars Mar’25 Mar’26 YOY (%) Dec’25 Mar’26 QOQ (%) (INR crore) % share in Gross Domestic Credit in Mar’26 Retail* 2,56,633 3,02,598 17.9 2,85,786 3,02,598 5.9 Agriculture 16.3% Home Loans* 1,31,123 1,50,305 14.6 1,43,856 1,50,305 4.5 Auto Loans* 46,549 56,157 20.6 52,687 56,157 6.6 Mor
Slide 15: Industry-wise Outstanding
Industry-wise Outstanding Mar’25 Mar’26 Particulars (INR crore) Rating Profile Outstanding Share (%) Outstanding Share (%) Infrastructure of which 1,16,468 11.4 1,18,277 10.1 1. Power 61,314 6.0 78,764 6.7 2. Telecom 7,528 0.7 8,484 0.7 3. Roads & Ports 35,783 3.5 18,168 1.6 4. Other Infrastructure
Slide 16: Segment wise breakup & Ratings of NBFC
Segment wise breakup & Ratings of NBFC Standard Outstanding NBFC Portfolio by Ownership Rating Profile of NBFCs Standard Outstanding* Particulars Dec’25 Mar’26 Outstanding Outstanding 13% 13% % Share % Share (INR crore) (INR crore) Pvt others AAA 1,31,065 71.42 1,38,847 71.45 38% 39% Backed by Large
Slide 17: Treasury Operations
Treasury Operations Particulars (INR crore) Mar’25 Dec’25 Mar’26 • Domestic investment book comprises of 73.80% in HTM; 15.84% Domestic Investments 3,70,478 3,44,152 3,72,318 in AFS; 8.86% in FVTPL and 1.50% in Subsidiaries / Joint Ventures and RRB’S of which • The percentage of Investments in SLR S
Slide 18: Financial Inclusion
Financial Inclusion Total Financial Inclusion Accounts Balance /Avg Balance in FI accounts Zero Balance Accounts (%) (in Lakh) 4.85% 4.80% 4.71% 49,618 736 45,631 733 42,851 723 Mar'25 Dec'25 Mar'26 5,927 6,228 6,742 Market Share* of BOB in PMJDY Accounts (%) Mar'25 Dec'25 Mar'26 15.01% 14.84% 14.80
Slide 19: Priority Sector Performance & Govt. Flagship Schemes
Priority Sector Performance & Govt. Flagship Schemes As on 31st March 2026 (YTD) ➢ Total Priority (40.48% of ANBC against norm of 40%) No. of Amt. in A/c Crore Mandated ➢ Agriculture (PS) Advances (18.31% of ANBC against norm of 18%) PM Vidyalaksh Norms under mi Scheme Sanctioned 2,991 323 ➢ Small &
Slide 20: Asset Quality
Asset Quality V5 Bank of Baroda India’s International Bank 19
Slide 21: 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 0.86 0.89 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 22: Movement of NPAs
Movement of NPAs Particulars Q4 FY25 Q3 FY26 Q4 FY26 FY25 FY26 (INR crore) A. Opening Balance 28,471 27,600 27,399 31,834 27,835 B. Additions 3,159 2,982 3,408 9,310 10,299 Out of which, Fresh Slippages 2,873 2,676 2,944 8,217 8,662 C. Reductions 3,795 3,183 3,749 13,309 11,075 Recovery 1,118 981 1,
Slide 23: Sectoral & Industry wise Contribution of NPAs
Sectoral & Industry wise Contribution of NPAs Sector-wise NPA Industry-wise NPA Particulars (INR crore) Q4 FY25 Q3 FY26 Q4 FY26 Particulars (INR crore) Q4 FY25 Q3 FY26 Q4 FY26 Infrastructure of which 57 25 17 Corporate 228 1 34 1. Power 3 1 1 MSME 11,242 10,097 9,713 2. Telecom 2 1 1 3. Roads & Port
Slide 24: Asset Quality: Sectoral Fresh Slippages
Asset Quality : Sectoral Fresh Slippages CRILC o/s SMA1 and SMA 2 (%) Fresh Slippages Particulars (INR crore) Q4 FY25 Q3 FY26 Q4 FY26 FY25 FY26 Corporate 0 0 34 137 34 MSME 1,473 1,065 1,241 3,579 3,276 0.33 0.36 Retail 723 815 686 2,168 2,261 0.18 Agriculture 668 776 903 2,080 2,788 Others 7 13 19
Slide 25: Exposure to NCLT Accounts
Exposure to NCLT Accounts 40,283 30,078 100% 100% 100% 99% 99% 4,150 3,727 2,328 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 V5 Bank of Baroda India’s International Bank 25
Slide 27: Capital Adequacy
Capital Adequacy 17.19% 17.61% 16.54% 15.82% 16.25% 2.46% 15.29% Tier II 2.40% 2.39% 2.12% 1.01% 1.03% 2.19% 2.18% AT-1 0.79% 0.48% 0.48% 0.65% CET-1 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 (INR crore) Mar’25 Dec’25 Mar’26 Mar’26 (Consol
Slide 28: Sustainability Initiatives
Sustainability Initiatives 27
Slide 29: Sustainability Initiatives 1/6
Sustainability Initiatives….1/6 Sustainable & Social Loans Efficiency & Green Initiatives Bank has executed an MOU with KFW, a multilateral -386- Bank’s branches on lease premises (2.96 MW in Waterless Urinals and Water Efficient Plumbing Fixtures are finance agency, under the programme known as tot
Slide 30: Sustainability Initiatives 2/6
Sustainability Initiatives….2/6 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 3/6
Sustainability Initiatives….3/6 Achievements ESG Rating Green Deposits and Green Products Green Infrastructure Bonds Raised Long-Term Green Infrastructure Bonds ▪ ESG rating upgraded by ESGRisk.ai (Acuite Group). ▪ Mobilized ₹ 1,899.12 Cr. of Green Deposits as on on March 04, 2026: March 31, 2026. F
Slide 32: Sustainability Initiatives 4/6
Sustainability Initiatives….4/6 Participation and Awards Mumbai Climate Week 2026 (Feb 17–19, Mumbai) India Climate Week 2026 (March 12–17, New Delhi) ▪ Showcased a stall on Bank’s sustainability initiatives, green products, and Net Zero 2057 commitment. ▪ Exhibition stall at Bharat Mandapam on ESG
Slide 33: Sustainability Initiatives 5/6
Sustainability Initiatives….5/6 Initiatives for ESG and Climate Risk Management Rationale of the Initiatives Strategy ▪ To provide a comprehensive structure for issuance of Green, Social and Sustainability ▪ Formulated Bank’s Sustainable Financing Framework (GSS) bonds by the Bank as per the regulat
Slide 34: Sustainability Initiatives 6/6
Sustainability Initiatives….6/6 Introduction of Emotional Wellness & Mindfulness Allowance for employees ➢ bob Pankh is a flagship initiative of our Bank ➢ The Bank has introduced an Emotional dedicated to advancing the growth, leadership, and Wellness & Mindfulness Allowance for engagement of women
Slide 35: Digital Banking - Accelerating Digital Transformation
Digital Banking - Accelerating Digital Transformation 34
Slide 36: Leveraging Digital Infrastructure
Leveraging Digital Infrastructure Digital Touch Points Increasing Digital Adoption Leadership Across the 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 Transactions New SA Source: NPCI done
Slide 37: Digital Initiatives
Digital Initiatives bob इPay Credit Line on UPI – SHG OD: First Bank to operationalise Credit Line on UPI for eligible woman Self Help Group members Digital Lending under PMJDY in Bank’s UPI payment app Fx Retail bobइPay. The initiative combines digital Digital Tractor Loans: Bank has payments with
Slide 38: Accelerating Digital Growth 1/2
Accelerating Digital Growth….1/2 Channels & Products Customers Onboarded on Digital Channels : 26 Lac users (Q4 FY’2024-25 vs Q4 FY’2025-26) (During Q4 FY 2025-26) Txn value Txn value 2,93,700 3,16,725 Txn value 80,457 85,143 in Rs Cr in Rs Cr in Rs Cr 1,495 1,329 352 132 35 327 8% 9% 121 250% 10 Q4
Slide 39: Accelerating Digital Growth 2/2
Accelerating Digital Growth….2/2 Merchant Acquisition : 7.63 Lac Merchants Merchant Ecosystem (During FY 2025-26) Turnover 7,790 8,226 in Rs Cr Turnover 12,827 16,845 in Rs Cr 33.12 0.61 Point of Sale 15 % 25.49 30 % 0.53 UPI – QR Q4 FY24-25 Q4 FY25-26 Q4 FY24-25 Q4 FY25-26 POS UPI – QR Number of Te
Slide 40: Accelerating Digital Lending
Accelerating Digital Lending Digital Retail Products : 11 Total Digital Sanctions (Value in Cr.) 14713 143% Retail Products 6048 Digital PL PLGS Insta PL PL To RGE Pension Auto Loan Two- Educati Educati Retail Solar (New) on Loan Q4 FY 24-25 Q4 FY 25-26 (New) Loan Wheeler on EDP Gold Loan Roof Top L
Slide 41: Consolidated Financials
Consolidated Financials V5 Bank of Baroda India’s International Bank THE BANKER 40
Slide 42: 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 Rs 34,403 crore as on Mar 31, 2026 ❑ Number of active Cards stood at 31.76 lacs as on ❑ AAUM fo
Slide 43: 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 Rs 42.23 crore for FY25-26 from Rs ❑ Revenue from operations was Rs 240.11 crore for FY25-26 against Rs 49.02 crore as for FY24-25. YOY de
Slide 44: 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 and ❑ Total Business increased to Rs 14,118.02 crore in FY25-26 from Rs other sectors during FY25-26. 13
Slide 45: 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 6,255.52 crore as ❑ Total Deposits stands at INR 11,330.06 cro
Slide 46: Balance Sheet and PL – Consolidated
Balance Sheet and PL– Consolidated Particulars Particulars Mar’25 Dec’25 Mar’26 FY25 FY26 YOY (%) (INR crore) (INR crore) CAPITAL & LIABILITIES Interest Income 1,28,804 1,34,298 4.3 Capital 1,036 1,036 1,036 Non Interest Income 24,080 22,527 -6.4 Share Application Money Pending 0 0 0 Allotment Total
Slide 47: 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 (
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