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Bank of Baroda (BANKBARODA) investor relations material
Bank of Baroda Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary31 Oct, 2025
Executive summary
Global advances grew 11.9% year-over-year to ₹12,78,847 crore, with domestic advances up 11.5% and international advances up 13.8%.
Global deposits increased 9.3% year-over-year to ₹15,00,012 crore; domestic deposits up 9.7%, international up 7.2%.
Net profit for Q2FY26 was ₹4,809 crore, down 8.2% YoY but up 5.9% QoQ; H1FY26 net profit was ₹9,351 crore.
Digital transformation accelerated, with 96% of transactions done digitally and strong growth in digital product sanctions.
Focus remains on prudent liability management, digital innovation, and ESG initiatives, including a net zero policy by 2057.
Financial highlights
Operating profit for Q2FY26 was ₹7,576 crore; H1FY26 operating profit was ₹15,812 crore.
Net interest income for Q2FY26 was ₹11,954 crore, up 2.7% YoY and 4.5% QoQ; H1FY26 NII was ₹23,388 crore.
Non-interest income for Q2FY26 was ₹3,515 crore, down 32% YoY; H1FY26 non-interest income grew 7% YoY to ₹8,189 crore.
Cost-to-income ratio increased to 51.02% in Q2FY26 from 43.60% in Q2FY25.
Return on assets (ROA) at 1.07% for Q2FY26; return on equity (ROE) at 15.37%.
Outlook and guidance
Guidance for corporate loan growth at 10–11% for FY26, with strong pipelines to support targets.
NIM expected to be range-bound in Q3, with full-year guidance of 2.85–3%.
Slippage guidance maintained at 1–1.25%; credit cost expected below 0.75%.
ECL transition expected to have a net impact of 0.75% on CRAR over five years; credit cost may rise by 20–25 bps.
Focus on digital growth, sustainability, and financial inclusion continues.
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Next Bank of Baroda earnings date
Q3 25/2629 Jan, 2026
Next Bank of Baroda earnings date
Q3 25/2629 Jan, 2026
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