Bank of Baroda Q3 FY26 Net Profit at ₹5,055 Crore, Up 4.5%
Bank of Baroda reported a Q3 FY26 net profit of ₹5,055 crore, a 4.5% increase year-on-year. Global advances grew by 14.7% and total deposits by 10.3%. Gross NPA stood at 2.04% and net NPA at 0.57%. The bank maintained strong capital adequacy and reiterated its FY26 guidance.
The results show consistent growth and stable financial health, which is positive for the bank's stakeholders. However, the growth rates are moderate, and there are no significantly transformative announcements.
The bank reported positive year-on-year growth in net profit, robust advances and deposit growth, and strong asset quality metrics. The management also reiterated positive guidance for the full year.
Bank of Baroda announced its financial results for the quarter and nine months ended December 31, 2025. The bank reported a net profit of ₹5,055 crore for the third quarter of FY2026, marking a 4.5% year-on-year growth. Operating profit for the quarter stood at ₹7,377 crore. For the nine months of FY2026, the net profit was ₹14,405 crore, with an operating profit of ₹23,190 crore.
Global advances grew by 14.7% year-on-year, with domestic advances increasing by 13.6% and international advances by 19.3%. Retail, agriculture, and MSME advances showed strong growth. Total deposits grew by 10.3%, with domestic deposits up by 11.1%. The domestic CASA ratio stood at 38.45% and the domestic credit-to-deposit ratio was 83.89% as of December 31, 2025.
Asset quality remained robust, with the gross NPA ratio at 2.04% and net NPA ratio at 0.57%. The provision coverage ratio was 92.73%, and the slippage ratio for Q3 reduced to 0.86%. Credit cost for the quarter was 0.17%.
Capital adequacy ratios were strong, with CET-1 at 12.45%, Tier-1 at 13.10%, and overall CRAR at 15.29% as of December 31, 2025. The bank reiterated its full-year guidance for credit growth at 11-13% with an upward bias, deposit growth at 9-11%, Net Interest Margin (NIM) at 2.85-3%, credit cost below 0.60%, and Return on Assets (ROA) above 1%.
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